Interface Walkthrough
Screens and categories, at the level of what each button means. Broker-neutral, no fund names — the choosing stays yours.
At Fidelity, uninvested cash in an IRA or brokerage account typically sits in a 'core position' — often a money market fund you can see named on your positions page. If your balance shows there, it is parked.
Accounts → Trade. You pick the account, then the fund from what the account can hold, then dollars. Mutual fund orders price once, at the day's close.
Automatic Investments lives under Accounts → Transfers / account features: a fixed dollar amount into a fund you already hold, on your schedule.
Every reader sees the same three categories. This page teaches the kinds — it never picks one for you. Picking one for you, from your situation, is what advisers are licensed to do.
One fund built around a year — roughly your retirement year. It holds a mix of stock and bond funds and slowly shifts steadier as the year approaches. Different companies run theirs differently and charge differently.
Funds that copy a published list — for example, a list of large US companies, or a list spanning the whole stock market — instead of picking winners. Usually the lowest yearly cost on the menu, because copying is cheap to run.
Cash-like funds holding very short-term loans. Steady value, modest yield, barely any movement. This is where uninvested money often sits — parked, not growing.
Interfaces change their layouts over time; the categories and the order do not. If a screen name differs slightly from this page, follow the category, not the pixel.
The Filled Plan pack, the first-account walkthrough pack, the first-30-days plan, the full catch-up tables, the decoder card deck, and the order workbook — one pack, one-time payment.