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Little Chaps comments are pretty good. But they wouldn't make it on Cramer's Mad Money, to much info. Makes me think but it also makes my head hurt.

1. Fidelity?
I own Fidelity Diverse INternational, and Low PRice stock fund.
But I don't know that I would pick Fidelity family as part of my IRA. Why? Way too much stuff to pick from. I'd want to be picking too much.
Sort of like Fishing lures.
2. Bond Fund's. Remember if you invest in Bond funds you are preseving the interest payment and a little of the prinicpal. Verses investing in a bond where you are preserving your capital. So you are going to see big hits in total returns because interest rates are going up. And when they do bond prices fall. You see this less if you invest in a bond index fund. But you will see some. Vanguard Total Bond index for example. Fidelity has one to I guess.
3. Equity funds. Watch out are you chasing past returns thinking you will get better than bond funds.
4. If you are new to investing then I'd stick to index funds. Spartan's equity index is somewhat equal to S&P 500. I don't like the S&P 500 Index but it is a benchmark.

50% in 500 index or Total market index.
30% in Total Bond index or anything that gives you a above 6.5% interest or divident yield.
20% in Total international index.

Give this a few years.

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