Freedom Investments Buy And Hold ##BEST##

Being financially independent means having sufficient income, savings, or investments to live comfortably for life and meet all of one's obligations without relying on a paycheck. That is the ultimate goal of a long-term financial plan.

freedom investments buy and hold

Warren Buffett once famously remarked: "Our favorite holding period is forever." True to his word, one of the oldest stocks in Buffett's portfolio is Coca-Cola Co. (ticker: KO), which he first purchased in 1988 and continues to hold today.

However, most investors don't have the same stock-picking prowess that Buffett possesses. Thus, committing to a long-term hold of a single stock can be risky. An alternative for the average retail investor is a mutual fund, which can offer diversified exposure to not only stocks, but also bonds and even commodities.

Fidelity's commitment to the interests of retail investors can be seen in its lineup of ZERO index funds, which boast an expense ratio of 0%. Investors who buy and hold one of these funds therefore pay zero fees annually.

A 100% stock portfolio can be too volatile for all but the youngest and most risk-tolerant investors. Even when it comes to a long-term hold, a 100% stock portfolio can suffer deep and prolonged losses during market crashes like what occurred in the 2008 Great Recession.

An alternative for investors is FMBIX, which tracks the Bloomberg Municipal Bond Index. As its name suggests, FMBIX holds municipal bonds, which are issued by state and local governments to fund public infrastructure and services. Unlike most bonds, the interest from municipal bonds is exempt from federal income tax, making them a better alternative for a taxable account. FMBIX charges a 0.07% expense ratio.

To implement the 50/50 portfolio, investors could buy a mix of FZROX, FZILX and FXNAX, but an even easier one-ticker alternative is via FRYBX. FRYBX is a "fund of funds" that splits its holdings between four different underlying funds.

No, each target date fund is a diversified portfolio for investors with a similar target retirement date in mind, so there is no need to hold multiple target date funds. Investors that choose to mix their target date funds with other investments may want to periodically evaluate their entire portfolio's asset allocation to make sure it's in line with targets their goals.

Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. For more information, you can find the fund's prospectus, reports to shareholders, and other information about the fund (including the fund's SAI) online at www.fidelity.com/funddocuments.

Fidelity is an industry leader in target date investing and has been managing target date portfolios since 1996. Today millions of shareholders are invested in Freedom Funds and Fidelity is one of the largest asset managers in the world.1 Investors in Fidelity's target date portfolios can benefit from a time-tested investment process that is backed by a large and dedicated research team focused on target date investing. To meet the varying needs of investors Fidelity offers a choice of active, blend, and index target date funds with competitive fees. Learn more about Fidelity Mutual Funds

Working from her Houston home, Tolle rebalances her index yearly using the Human Freedom Index score calculated for 165 countries by the Cato Institute and Fraser Institute. The index rates economic and personal freedom on a scale of 0 to 10, using 82 variables covering everything from jailed journalists to international trade policy.

The freest emerging nations with liquid markets in 2021 were Taiwan (No. 19), Chile (28) and South Korea at 31 (the U.S. ranked 15th). Tolle takes the top 10 or 11 emerging markets and weights them based on their freedom scores; she then examines the 10 largest non-state-owned stocks in each country and weights them by market cap within their country weights.

(iv) Fee schedules shall provide for the recovery of only the direct costs of search, duplication, or review. Review costs shall include only the direct costs incurred during the initial examination of a document for the purposes of determining whether the documents must be disclosed under this section and for the purposes of withholding any portions exempt from disclosure under this section. Review costs may not include any costs incurred in resolving issues of law or policy that may be raised in the course of processing a request under this section. No fee may be charged by any agency under this section--

(B) On complaint, the district court of the United States in the district in which the complainant resides, or has his principal place of business, or in which the agency records are situated, or in the District of Columbia, has jurisdiction to enjoin the agency from withholding agency records and to order the production of any agency records improperly withheld from the complainant. In such a case the court shall determine the matter de novo, and may examine the contents of such agency records in camera to determine whether such records or any part thereof shall be withheld under any of the exemptions set forth in subsection (b) of this section, and the burden is on the agency to sustain its action. In addition to any other matters to which a court accords substantial weight, a court shall accord substantial weight to an affidavit of an agency concerning the agency's determination as to technical feasibility under paragraph (2)(C) and subsection (b) and reproducibility under paragraph (3)(B).

(F) Whenever the court orders the production of any agency records improperly withheld from the complainant and assesses against the United States reasonable attorney fees and other litigation costs, and the court additionally issues a written finding that the circumstances surrounding the withholding raise questions whether agency personnel acted arbitrarily or capriciously with respect to the withholding, the Special Counsel shall promptly initiate a proceeding to determine whether disciplinary action is warranted against the officer or employee who was primarily responsible for the withholding. The Special Counsel, after investigation and consideration of the evidence submitted, shall submit his findings and recommendations to the administrative authority of the agency concerned and shall send copies of the findings and recommendations to the officer or employee or his representative. The administrative authority shall take the corrective action that the Special Counsel recommends.

(3) specifically exempted from disclosure by statute (other than section 552b of this title), provided that such statute (A) requires that the matters be withheld from the public in such a manner as to leave no discretion on the issue, or (B) establishes particular criteria for withholding or refers to particular types of matters to be withheld;

(d) This section does not authorize the withholding of information or limit the availability of records to the public, except as specifically stated in this section. This section is not authority to withhold information from Congress.

(4) the results of each proceeding conducted pursuant to subsection (a)(4)(F), including a report of the disciplinary action taken against the officer or employee who was primarily responsible for improperly withholding records or an explanation of why disciplinary action was not taken;

(ii) a complete list of all statutes that the agency relies upon to authorize the agency to withhold information under subsection (b)(3), a description of whether a court has upheld the decision of the agency to withhold information under each such statute, and a concise description of the scope of any information withheld;

The great struggles of the twentieth century between liberty and totalitarianism ended with adecisive victory for the forces of freedom—and a single sustainable model for national success:freedom, democracy, and free enterprise. In the twenty-first century, only nations that share acommitment to protecting basic human rights and guaranteeing political and economicfreedom will be able to unleash the potential of their people and assure their future prosperity.People everywhere want to be able to speak freely; choose who will govern them; worship as theyplease; educate their children—male and female; own property; and enjoy the benefits of theirlabor. These values of freedom are right and true for every person, in every society—and theduty of protecting these values against their enemies is the common calling of freedom-lovingpeople across the globe and across the ages.Today, the United States enjoys a position of unparalleled military strength and great economicand political influence. In keeping with our heritage and principles, we do not use our strengthto press for unilateral advantage.We seek instead to create a balance of power that favors humanfreedom: conditions in which all nations and all societies can choose for themselves the rewardsand challenges of political and economic liberty. In a world that is safe, people will be able tomake their own lives better.We will defend the peace by fighting terrorists and tyrants.We willpreserve the peace by building good relations among the great powers. We will extend the peaceby encouraging free and open societies on every continent.Defending our Nation against its enemies is the first and fundamental commitment of theFederal Government. Today, that task has changed dramatically. Enemies in the past neededgreat armies and great industrial capabilities to endanger America. Now, shadowy networks ofindividuals can bring great chaos and suffering to our shores for less than it costs to purchasea single tank. Terrorists are organized to penetrate open societies and to turn the power ofmodern technologies against us.To defeat this threat we must make use of every tool in our arsenal—military power, betterhomeland defenses, law enforcement, intelligence, and vigorous efforts to cut off terroristfinancing. The war against terrorists of global reach is a global enterprise of uncertain duration.America will help nations that need our assistance in combating terror. And America will holdto account nations that are compromised by terror, including those who harbor terrorists—because the allies of terror are the enemies of civilization. The United States and countriescooperating with us must not allow the terrorists to develop new home bases. Together, we willseek to deny them sanctuary at every turn.The gravest danger our Nation faces lies at the crossroads of radicalism and technology. Ourenemies have openly declared that they are seeking weapons of mass destruction, and evidenceindicates that they are doing so with determination. The United States will not allow theseefforts to succeed.We will build defenses against ballistic missiles and other means of delivery.We will cooperate with other nations to deny, contain, and curtail our enemies’ efforts to acquiredangerous technologies. And, as a matter of common sense and self-defense, America will actagainst such emerging threats before they are fully formed.We cannot defend America and ourfriends by hoping for the best. So we must be prepared to defeat our enemies’ plans, using thebest intelligence and proceeding with deliberation. History will judge harshly those who saw thiscoming danger but failed to act. In the new world we have entered, the only path to peace andsecurity is the path of action.As we defend the peace, we will also take advantage of an historic opportunity to preserve thepeace. Today, the international community has the best chance since the rise of the nation-statein the seventeenth century to build a world where great powers compete in peace instead ofcontinually prepare for war. Today, the world’s great powers find ourselves on the same side—united by common dangers of terrorist violence and chaos. The United States will build onthese common interests to promote global security.We are also increasingly united by commonvalues. Russia is in the midst of a hopeful transition, reaching for its democratic future and apartner in the war on terror. Chinese leaders are discovering that economic freedom is the onlysource of national wealth. In time, they will find that social and political freedom is the onlysource of national greatness. America will encourage the advancement of democracy andeconomic openness in both nations, because these are the best foundations for domestic stabilityand international order.We will strongly resist aggression from other great powers—even as wewelcome their peaceful pursuit of prosperity, trade, and cultural advancement.Finally, the United States will use this moment of opportunity to extend the benefits of freedomacross the globe.We will actively work to bring the hope of democracy, development, freemarkets, and free trade to every corner of the world. The events of September 11, 2001, taughtus that weak states, like Afghanistan, can pose as great a danger to our national interests asstrong states. Poverty does not make poor people into terrorists and murderers. Yet poverty,weak institutions, and corruption can make weak states vulnerable to terrorist networks anddrug cartels within their borders.The United States will stand beside any nation determined to build a better future by seekingthe rewards of liberty for its people. Free trade and free markets have proven their ability to liftwhole societies out of poverty—so the United States will work with individual nations, entireregions, and the entire global trading community to build a world that trades in freedom andtherefore grows in prosperity. The United States will deliver greater development assistancethrough the New Millennium Challenge Account to nations that govern justly, invest in theirpeople, and encourage economic freedom.We will also continue to lead the world in efforts toreduce the terrible toll of HIV/AIDS and other infectious diseases.In building a balance of power that favors freedom, the United States is guided by the convictionthat all nations have important responsibilities. Nations that enjoy freedom must actively fightterror. Nations that depend on international stability must help prevent the spread of weaponsof mass destruction. Nations that seek international aid must govern themselves wisely, so thataid is well spent. For freedom to thrive, accountability must be expected and required.We are also guided by the conviction that no nation can build a safer, better world alone.Alliances and multilateral institutions can multiply the strength of freedom-loving nations.The United States is committed to lasting institutions like the United Nations, the World TradeOrganization, the Organization of American States, and NATO as well as other long-standingalliances. Coalitions of the willing can augment these permanent institutions. In all cases,international obligations are to be taken seriously. They are not to be undertaken symbolicallyto rally support for an ideal without furthering its attainment.Freedom is the non-negotiable demand of human dignity; the birthright of every person—inevery civilization. Throughout history, freedom has been threatened by war and terror; it hasbeen challenged by the clashing wills of powerful states and the evil designs of tyrants; and ithas been tested by widespread poverty and disease. Today, humanity holds in its hands theopportunity to further freedom’s triumph over all these foes. The United States welcomes ourresponsibility to lead in this great mission.George W. BushTHE WHITE HOUSE,September 17, 2002 041b061a72