Your wallet and the election

Plus, a surprising income opportunity, the bull market examined, employer benefit tips, and more.

October 10, 2024 View in a browser

FIDELITY VIEWPOINTS® WEEKLY EDITION: October 10, 2024

6 real ways the election could hit your wallet From taxes to groceries, both presidential candidates promise to put more money in your pocket. Compare the candidates A surprising income opportunity With the Fed cutting rates, you might think high yields are fading fast. Think again. Explore treasurys Can this bull market keep running? US stocks have been in an uptrend for 2 straight years now, notes Fidelity’s Jurrien Timmer. Get Timmer’s take 4 ways employer benefits can help you save Time to enroll: Get the thrill of accomplishment. Maximize your benefits Will the housing market improve? What the Fed’s rate cuts mean for mortgages, homebuying, and real estate investing. Register now What account is right for you? Answer a few questions, and we’ll provide options for you. Get started

Like this newsletter? Forward to a friend or family member and invite them to subscribe. Or visit our Viewpoints home. Have a nice day! Your Viewpoints Team

Contact Us   |   Refer a Friend   |   Fidelity Mobile®   |   Unsubscribe

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

This information is intended to be educational and is not tailored to the investment needs of any specific investor. Past performance is no guarantee of future results.

Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.

Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. The stocks mentioned are not necessarily holdings invested in by Fidelity. References to specific company stocks should not be construed as recommendations or investment advice. The statements and opinions are those of the speaker, do not necessarily represent the views of Fidelity as a whole, and are subject to change at any time, based on market or other conditions. In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade. Sector investing can be more volatile because of their narrow concentration in a specific industry. Digital assets are speculative and highly volatile, can become illiquid at any time, and are for investors with a high risk tolerance. Investors in digital assets could lose the entire value of their investment. Diversification cannot ensure a profit or protect against loss.

Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. The initial rate on a step rate CD is not the yield to maturity. If your CD has a call provision, which many step rate CDs do, please be aware the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may be confronted with a less favorable interest rate at which to reinvest your funds. Fidelity makes no judgment as to the credit worthiness of the issuing institution.

Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation. The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated. The third-party trademarks and service marks appearing herein are the property of their respective owners.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1037578.114.0    CV4 EMAIL REF# personas_2j1IPE9l7ecCYO3xs7INy5MDH1R.3954516 © 2024 FMR LLC. All rights reserved.