| The one-fund option
For some, one mutual fund is plenty to get started as an investor. This is the best option if you haven't got a lump sum to invest. Rather than spend your time cobbling together a full-blown investment portfolio, let a mutual fund company do the work for you. A number of fund companies offer one-fund solutions, which themselves own other mutual funds. Some companies even tailor the funds to your desired retirement age. Want to retire in 2030? You might consider the Fidelity Freedom 2030 (FFFEX) fund, which will keep more of your money in stocks now, when you can take on a little more risk, and put more conservative bonds in the portfolio as you near retirement.
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Next- Make a Portfolio
