34-year-old complete beginner — just opened a Fidelity account with $100. Where do I start?
I’m 34 and just took my first step into investing by opening a Fidelity brokerage account and transferring in $100. Starting next month, I plan to contribute $200/month consistently.
I have zero investing experience and I’m looking for beginner-friendly guidance. Specifically:
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What should I actually buy first with $100 in Fidelity? (Index funds? ETFs?)
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Should I open a Roth IRA or stick with a regular brokerage account?
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Is there a simple “set it and forget it” strategy for someone contributing $200/month?
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What are common mistakes beginners make that I should avoid?
My goals are long-term wealth building, not looking for quick wins. I’ve heard about FXAIX and FZROX but not sure if those are right for me. Any advice appreciated!
Posted Jun 17, 2026, 1:16 PM UTC