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Generally speaking, index funds are good starter funds if you don't go with a target fund and aren't interested in analyzing different funds. Usually a 401k has a S&P 500 or Total Stock Market index fund. You may have those just by a different name. Mutual funds by their nature achieve the diversity your article describes.

Who thinks if you are unsure of what a fund is, you should call Fidelity and get some free advice on any of the funds you do not understand...
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