One of the largest mutual fund families is the fund family run by Fidelity Investments. This group of funds covers as wide a scope as almost any single fund family available. Because the offerings for Fidelity are so varied, and the funds are so large, many companies choose to simple outsource their retirement plan management to Fidelity Investments. The result is that many investors who don’t really have an investment portfolio end up with one that is actually their largest asset, their retirement fund at work.

The problem with this scenario is than there are many investors in Fidelity funds who don’t have much background in investing of any sort, so there is a real educational need for this type of investor. One of the byproducts of this is that there is a real market need for investment advice that is tailored specifically for Fidelity investors. There is a regular cottage industry of Fidelity fund newsletters that all tout their version of the best Fidelity funds.

There is a wide range of investment styles covered by these newsletters. Each of them recommends what should be the best Fidelity funds for their subscribers. Some would follow an asset allocation strategy, where investments are regularly made, but the specific fund advice would only change every couple of years for a given investor. Some investors would like to be more active than that, so there are newsletters that are tailored to trading more often, like 4 times a year. This is a popular option because there are many Fidelity funds that have an early redemption fee if they are not held for 90 days, so trading quarterly allows the investor to choose from the vast majority of the Fidelity mutual fund offerings.

This also allows for the widest range of investment choices to build the diversification of your portfolio. There are funds to invest in specific domestic market sectors, there are a wide range of bond and fixed income funds, ranging from very short term money market funds, to variable rate funds, to long term bond funds.

In addition, there are a wide range of international funds to choose from. You can simply choose a global fund, or you can invest in specific market regions, like the Pacific Basin or Europe. Finally, you can even invest in single country funds, like Germany, China, or Japan.

For those who are interested in trading even more often, with the expectation that these investments could yield even more, there is the Fidelity Select fund family. There are about 41 funds in this family of funds, and they specialize in many domestic sectors of the market. For example, there are technology funds, medical funds, biotech funds, industrial sector funds, precious metals funds and more. But there are no international funds in the Select Family, and there are no fixed income offerings as well. So, this may be a great choice for a large part of your portfolio, but it should not be the exclusive vehicle you use for your investments.

When investing in mutual funds, there are a large number of investors who would like to gain an additional edge by adding a marketing timing component to their investment approach. The problem is that many market timing systems tend to break down over time, and it usually seems that time is right around the time you choose to invest some of your money in that system.

There is one market timing system that has been tracked in real time for over 20 years, the Fosback timing system. This system seems to keep working, although like any system you have to look at it over time, any given trade is likely to not work. But it’s a simple enough system, strictly calendar based, so you can plan your trades for months in advance if you cared to. The primary problem is that it is in and out of the market at least once a month, so there are few mutual funds that would be suitable investment vehicles for use with this market timing system.

Fidelity Investments funds along with some simple market timing systems should provide enough investment choices for almost any investor. From international equity funds to fixed income funds there are bound to be the right fund for your investment portfolio.

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