Personal Investments • Fidelity says inappropriate level of risk

My 401k is 69% in s&p, age 45. Fidelity portfolio analysis tool says this. I see most BHs here have more than that in 50s. Is fidelity being conservative?

The level of stock in your retirement account is generally not associated with someone your age, which may mean an inappropriate level of risk.

Did you ever do their risk assessment calculator? Maybe they are comparing it to your results?

+1 The OP likely took some assessment and Fidelity has a target AA for the OP that says 45% S&P500 is to aggressive. Review any personal risk assessments, target retirement dates, and/or target asset allocation parameters.

I don't have any of that stuff set at Fidelity as we have 99% of our money elsewhere and it never complains that we are 100% in Large Cap Value fund at Fidelity

Statistics: Posted by retiringwhen — Sat Jan 24, 2026 11:22 am — Replies 11 — Views 634

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