Fidelity Monitor And Insight: Efficient Portfolios

May 30, 2020
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Fidelity Monitor And Insight is designed exclusively for Fidelity mutual fund investors. In this sense, the company’s goal is to help Fidelity investors get the highest return with the least possible risk. Throughout our Fidelity Monitor And Insight review we will show you their monthly newsletters and talk a about the relevant information they offer. You will also see how the company presents its analysis of the evolution of Fidelity’s investment funds.

We will show you each of the five different portfolio models that Fidelity Monitor and Insigh offers. In this regard, you will see that they are very easy to follow. You will also see that the company provides portfolio updates in every monthly newsletter, website, phone line or email. We recommend Fidelity Monitor And Insight only if you are a specialized investor and want to diversify your portfolio with Fidelity Funds. However if you want to have a higher level of diversification, we recommend Capitalist Exploits instead. We believe that Capitalist Exploits is a better alternative, especially for beginners in the world of trading. Their new “themes” approach and their low-risk, high-yield recommendations offer a great alternative to both experienced traders and beginners alike. For these reasons we recommend Capitalist Exploits over Fidelity Monitor And Insight.

#1 About Fidelity Monitor And Insight

Fidelity Monitor and Insight is designed exclusively for Fidelity Mutual Fund investors. In this sense, the company’s goal is to help Fidelity investors get the highest return with the least possible risk. Throughout our Fidelity Monitor and Insight review, we will show you their monthly newsletters and talk about the relevant information they offer. You will also see how the company presents its analysis of the evolution of Fidelity’s investment funds.

We will show you each of the five different portfolio models that Fidelity Monitor and Insight offers. In this regard, you will see that they are very easy to follow. You will also see that the company provides portfolio updates in every monthly newsletter, website, phone line or email.

#2 What Is Fidelity

It is a company specialized in asset management and pension funds with a collective investment scheme. That is to say, Fidelity combines the money of many investors and makes investments in a large number of financial instruments. For example, stocks, bonds, short-term market instruments, other investment funds, and commodities.

Fidelity is made up of a large number of specialized investment funds. Also, Fidelity funds provide small or individual investors access to efficient investment portfolios. In this way, in the Fidelity fund portfolio, you will find specialized funds. For example, in technology, international investment, long and short-term investment.

#3 Fidelity Monitor And Insight: Independent?

The role of Fidelity Monitor and Insight is to build efficient portfolios with Fidelity investment funds. However, the company is independent. That is, it is only dedicated to providing advisory services so that you get the best possible performance with the lowest associated risk. Therefore, the opinion of the editors is impeding. Also, the only income from Fidelity Monitor and Insight comes from associated readers.

#4 Portfolio Models

In this section, you will be able to see the different investment models that the company offers you. Also, we are going to show you the historical performance of each portfolio and you will even see a comparison with the market.

Fidelity Monitor and Insight offers you, five different investment models. Consequently, you can choose the portfolio model that best suits you according to your performance and expected risk goal. You can also see what the recommended time horizon in each model is.

Model Portfolio Typical Use Long-Term Return Goal Risk Target Recommended Investment Horizon
Income Generating income with relatively low principal risk 4 – 5% 0.33 Less than 5 years
Growth & Income Balanced approach for staying ahead of inflation 6 – 7% 0.66 5 to 10 years
Growth Stock-oriented approach with market-level risk 8 – 9% 1.00 10 years or more
Select Aggressive approach using sector funds 10% 1.20 10 years or more
Unique Opportunities Aggressive approach using non-sector funds 10% 1.20 10 years or more

4.1 Income Model

The objective of the model is to get the highest profitability with the lowest risk. Then, the maximum risk that the portfolio can have is that of the market. If so, the company uses the Standard & Poor’s 500 (S&P 500) index as a market marker. In the following graph, you can see that over the years the portfolio has been a winner.

Fidelity Monitor And Insight: Income Model

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4.2 Growth & Income Model

In this portfolio model, it is possible to get quarterly dividends. In other words, the financial instruments included in the portfolio generate profits that are shared among the owners. Additionally, the Growth & Income portfolio has low-risk exposure. In fact, for 26 years it has generated an annual yield of 5.4%. In the following table, you can see the evolution of the portfolio over time.

Fidelity Monitor And Insight: Growth & Income Model

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4.3 Growth Model

The model is made up of only US market stocks. Below, we will show you that for 33 years the fund has reported earnings. In addition, the growth model has grown 11.2% annually. In fact, as you will see in the graph, the Growth Model has grown more than the indicator of the S&P 500 market.

Fidelity Monitor And Insight: Growth Model

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4.4 Select Model

This portfolio model is built as a long-term investment. As you will see, like the other models, Select Model has been a winner over time. In fact, for 31 years it has generated an annual return of 13.4%. However, as we have said in other newsletters (we suggest you read), to have higher profits you must assume a greater risk. Further, the Select Model is Fidelity Monitor and Insight’s highest-risk portfolio. In any case, if you choose it, you should keep in mind that it is riskier. I mean, you can win a lot, but you can also lose a lot. In the following graph, we show you the evolution of the earnings of this model.

Fidelity Monitor And Insight: Select Model

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4.5 Unique Opportunities Model

Fidelity Monitor and Insight technical staff recommends a bullish stance for at least 10 years in this portfolio. Indeed, they suggest that the ideal is to use retirement accounts.

Like the Select Model, the Unique Opportunities Model contains around 20% risk. Do not object! That also indicates that there is a possibility that it will be very profitable. In fact, it has been a winner even above the S&P 500 for almost 20 years. The historical average return on the portfolio is 9.3% per year. In any case, in the following graph, you will see that it has also been above the market performance.

Fidelity Monitor And Insight: Unique Opportunities Model

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#5 Fidelity Monitor And Insight Recommendations: How To Choose A Portfolio Model?

Fidelity Monitor And Insight recommends that you take two factors into account when investing. On the one hand, you must think about your tolerance for risk. On the other hand, you must be very clear about the period of time before you need the money invested.

As for the risk, the advisers recommend quantifying the tolerance level in low, medium and high. So, take into account that the greater the risk, the greater the benefit. Besides, you should also think that a lower risk keeps the possibility of losses to a minimum.

As for the money invested, Fidelity Monitor and Insight recommends:

  • Make a rough estimate of your living expenses needs in each of the next 10 years.
  • Subtract what you expect to receive from wages, social security, and other sources of income unrelated to your investments.
  • The result should be an estimate of how much cash you will need from your investment portfolio.
  • Please note that you may not need money from your investments if you are still working or have income from non-investment sources.
  • Finally, classify your income as presented in the following table:
  Years Before Money Is Spent On Living Expenses Less Than 5 Years 5-10 Years 10 Years or more
Low-Risk Tolerance Money Market Income Model Growth & Income Model
Medium-Risk Tolerance Income Model Growth & Income Model Growth Model
High-Risk Tolerance Growth & Income Model Growth Model Select Model or Unique Opportunities Model

How To Choose A Portfolio Model: Case Studies

Case Study #1: Mike and Lory

Mike and Lori have saved $50,000 USD for their retirement which begins in about 20 years. They consider their risk tolerance to be high because they are willing to ride through a bear market in the pursuit of maximum long-term gains. In this case, the couple could elect to follow the lower right category and put all their money into the Select Model, or Unique Opportunities Model.

Case Study #2: Ron and Cathy

Ron and Cathy are retired and have savings of $1,000,000 USD. Living expenses are expected to be about $40,000 USD per year over the next 10 years. The couple considers their risk tolerance to be low. In this example, the couple could put $200,000 USD in the “less than 5 years” column, which would be invested in a money market fund. Another $200,000 USD of expenses would land in the “5-10 years” column, which would be invested in the Income Model. The remaining $600,000 USD would fall in the “10 years or more” column and should be invested in the Growth & Income Model.

Although the income stream alone may not cover living expense needs, the couple can be comfortable using some of their principal to make up the difference, since the total draw on the portfolio is likely to be under 4% per year. Assuming long-term investment growth of 5-6% per year, chances are good the portfolio will continue to climb in value even as it provides for living expenses.

#6 Monthly Newsletters

The Fidelity Monitor and Insight newsletter has been the best performing Fidelity fund newsletter for the past 30 years. Particularly, the newsletter is published every first business day of each month. Reports are generally posted before 3:00 PM Eastern Time.

In the report, you will find the performance of Fidelity funds month by month. Besides, you will have access to the diversified portfolio and its updated composition. In the following chart, you will see the return and the exact composition of each fund that Fidelity Monitor and Insight recommends in some of its portfolio models.

Fidelity Monitor and Insights portfolio models

Specific Recommendations

In the articles, you will also see the market analysis and specific recommendations for the buy, sale or hold of each fund. In this sense, you will see that the portfolio must be updated so that you can get the most out of it. Additionally, you will find suggestions to trade with other funds that are not in the portfolio models. In other words, Fidelity Monitor and Insight also alerts you so that you can get extra benefits. In the following table, you will see a sample of some of the recommendations that you can find in the monthly reports.

specific recommendations of Fidelity Monitor and Insight

#7 Subscription Cost

A Fidelity Monitor and Insight membership costs $249 USD annually. This membership gives you access to 12 reports and to a series of tools within the exclusive platform for affiliates. For example, when you are an affiliate you will have access to tools such as:

  • Special calculators to analyze your portfolio
  • Personalized attention
  • Weekly email alert services

Below, you will see the promotion that Fidelity Monitor and Insight has at the moment.

promotion that Fidelity Monitor And Insight has at the moment.

An interesting factor that you should take into account is that Fidelity Monitor and Insight offers a 100% guarantee. That is, you’ll get your money back if, during the first 3 months of the advisory service, you do not feel more prepared, safer and richer. Also, it is possible to request a refund if you feel that for any reason the Fidelity Monitor and Insight service is not for you. Then you will get a refund for the unused part of the membership.

#8 Capitalist Exploits: A Better Alternative?

In the financial world, there are endless portals that promise to give the most accurate recommendations so that you can get rich. However, not everyone is right. In fact, very few offer financial services with high technical criteria and quality standards. For this reason, in our search for the best financial services, we recommend both Fidelity Monitor And Insight and Capitalist Exploits, because they are profitable and reliable.

However, please note that the services of Fidelity Monitor and Insight are recommended only for investors specialized in Fidelity Investment Funds. For this reason, we recommend Capitalist Exploits. If you want to learn more about this alternative, you can read our dedicated post: “Capitalist Exploits: A Measured Approach To Achieving Asymmetric Returns”. In it, we cover the type of content and services they offer, how it works and in which markets they recommend you invest.

Fidelity Monitor and Insight vs. Capitalist Exploits

In the following table, we present a comparison between both financial service providers.

Characteristics Fidelity Monitor and Insight Capitalist Exploits
How do they select investments? Fidelity Monitor and Insight analyzes the evolution of Fidelity funds to determine which are the most appropriate to buy, sell or hold.   Capitalist Exploits seeks investment opportunities worldwide through in-depth analysis, market research, and investment networks.
The team looks for the best investment opportunities in different sectors, industries and global markets.
Then they determine if the opportunity can be safely seized. After identifying opportunities, they estimate the risk associated with each investment to select the best risk-capital ratio.
The next step is to identify the most appropriate way to allocate capital in each scenario. In this way, investors can adapt to possible changes.
Are the recommendations diversified? Just a little bit, Fidelity Monitor and Insight only makes recommendations from Fidelity mutual funds Yes, they provide a high level of diversification because Capitalist Exploits seeks investment opportunities worldwide in and out of the stock market.
Do they help you analyze each recommendation? No Yes
Do they generate free content? No Yes, the company offers free content and a blog with highly relevant podcasts and opinion pieces. Capitalist Exploits also offers a private Telegram channel called “Hedgies Uncut”. There, hedge fund managers discuss their investment positions and ideas.
What type of investor is it for? Fidelity Monitor and Insight can be a valuable tool for all those investors specialized in fidelity funds Anyone with any level of experience or geographic location can use the service. It is ideal for both long-term and short-term investors who are looking for investment opportunities in and out of the stock market. For example, shipping, energy, natural resources, Bitcoin and many more.
Click to join now

Other Ways To Start Trading

If you are looking for a higher level of diversification, you may want to remotely operate a part of your portfolio. If this is your case, you can complement your investment strategies with a robo advisor. In our post “Robo Advisors In Canada: How To Choose The Best One For You!” you will be able to discover a range of very interesting options to take into account.

We also recommend viewing our post “Wealthsimple Review: All About Canada’s Best Robo Advisor” This is the best-equipped Robo advisor in Canada that manages your money using a team of world-class financial experts and the best technological talent. It works alongside software engineers, designers, and data scientists who have previously worked at esteemed companies like Amazon, Google, and Apple.

Summary Of Our Fidelity Monitor And Insight Review

  • Fidelity Monitor and Insight provides advisory services that are exclusively designed for Fidelity mutual fund investors.
  • The goal of Fidelity Monitor and Insight is to help investors of Fidelity funds get the highest return with the least possible risk.
  • Fidelity Monitor and Insight provides monthly newsletters with relevant information and analysis of the evolution of Fidelity investment funds
  • The company is independent. In other words, Fidelity Monitor and Insight is only dedicated to providing advisory services so that you obtain the best possible performance with the lowest associated risk.
  • Fidelity Monitor and Insight offers you, five different investment models. Besides, it offers the best performing Fidelity fund newsletter in the past 30 years.
  • In the report, you will find the performance of Fidelity funds month by month. Also, you will have access to the diversified portfolio and its updated composition.
  • The annual cost of Fidelity Monitor and Insight membership is affordable. In addition, at this time it offers a significant discount.
  • Lastly, it is important to remember that Fidelity Monitor and Insight offers a 100% guarantee.

It is an important time to make the right decisions. Think that your capital could be making the most profit with the least possible risk right now. Also, having a consulting firm with a proven earnings record as an ally could make a difference. Diversify and dare to win with an expertly constructed portfolio modelling approach.

Chances are, if you are not familiar with Fidelity funds, you may feel limited with Fidelity Monitor and Insight services. If this is the case, we recommend Capitalist Exploits financial service provider. We firmly believe that Capitalist Exploits is a much better option than them for two reasons:

  • The first is that, like Stock Gumshoe, they also provide an amazing amount of insight into financial markets helping beginners learn.
  • The second one is that Capitalist Exploits focuses on identifying high-yield, low-risk investment opportunities, which is exactly what someone who is only starting in trading needs.

If you are just starting out in the investment world, or are already a professional, we recommend that you join Capitalist Exploits today. In this way, you will not be tied only to Fidelity’s portfolios.

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