A curated selection of low-cost index funds and ETFs suitable for retirement planning that require no minimum initial investment, ideal for beginners or those with limited capital looking to build a diversified portfolio.
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Tracks the performance of the S&P 500 Index, offering broad exposure to 500 large-cap U.S. companies. With an expense ratio of 0.03% and no minimum deposit for ETF shares, it is a cornerstone for long-term retirement growth.
A zero-expense-ratio mutual fund that tracks the Russell 1000 Index, excluding a small fee slice for profitability. Fidelity requires no minimum investment for this specific fund, making it highly accessible for new investors starting their retirement accounts.
Provides exposure to the entire U.S. stock market, including small-, mid-, and large-cap stocks. Purchased as an ETF, it has no minimum deposit, offering maximum diversification for retirement portfolios at a very low cost.
A no-load mutual fund with an expense ratio of 0.02%, tracking the S&P 500 Index. While many mutual funds have minimums, Schwab offers specific versions or accounts where initial investments can be negligible, suitable for cost-conscious retirees.
Another low-cost option tracking the S&P 500 with an expense ratio of 0.03%. As an ETF, it can be bought for the price of a single share with no minimum deposit, providing liquidity and broad market exposure for retirement savings.
Tracks the entire U.S. stock market, offering diversification across thousands of stocks. Fidelity removed the previous $2,500 minimum for this fund in many account types, making it an excellent choice for investors wanting broad market exposure without high entry costs.
Offers diversification outside the U.S. by tracking a broad index of developed and emerging market equities. No minimum deposit is required for ETF shares, allowing investors to hedge against domestic market volatility in their retirement portfolio.
Provides exposure to developed markets in Europe, Australasia, and the Far East. With low fees and no minimum investment for ETF shares, it complements domestic holdings to create a globally diversified retirement strategy.
Holds a diversified mix of investment-grade, taxable U.S. bonds, providing stability and income. No minimum deposit is required for ETF shares, making it an accessible option for adding fixed-income assets to a retirement portfolio.
Tracks the Bloomberg U.S. Aggregate Float Adjusted Index, offering broad bond market exposure. With an extremely low expense ratio and no minimum deposit for ETF shares, it serves as a cost-effective way to add stability to retirement savings.
Offers zero-expense-ratio exposure to international developed and emerging markets. Fidelity often waives minimums for this fund in retirement accounts, allowing investors to hold global diversification without paying management fees.
Tracks an equal-weighted version of the S&P 500, reducing concentration risk in large-cap stocks. No minimum deposit is required for ETF shares, offering a different risk profile suitable for investors seeking diversification beyond market-cap weighting.
Tracks a large-cap value index, focusing on companies with strong fundamentals and lower valuations. ETF shares have no minimum deposit, providing a value-oriented complement to growth-focused assets in a retirement portfolio.
Tracks the Bloomberg U.S. Aggregate Bond Index, offering broad investment-grade bond exposure. No minimum investment is required for ETF shares, making it a standard, liquid choice for balancing equity risk in retirement planning.
Focuses on companies with a history of increasing dividends, offering potential income growth. No minimum deposit is required for ETF shares, appealing to retirees looking for dividend stability and capital appreciation over time.
Tracks a large-cap growth index, focusing on companies with above-average growth expectations. As an ETF, it has no minimum deposit, allowing investors to target growth-oriented sectors within their retirement accounts without high entry barriers.
Provides exposure to small-cap U.S. companies, offering higher growth potential with higher volatility. No minimum deposit is required for ETF shares, suitable for investors willing to accept more risk for potentially higher returns in their long-term retirement planning.
Tracks a broad index of small-cap U.S. stocks, offering diversification into smaller businesses. ETF shares have no minimum deposit, making it an accessible way to add small-cap exposure to a diversified retirement portfolio.
Offers zero-expense-ratio exposure to the U.S. real estate sector through REITs. Fidelity often allows no minimum investments for this fund in retirement accounts, providing a low-cost way to add real estate diversification to a portfolio.
Provides broad exposure to international developed and emerging markets in a single fund. No minimum deposit is required for ETF shares, simplifying global diversification for retirement investors seeking to reduce home-country bias.