Data-driven investment strategies powered by rigorous backtesting across 10 Fidelity mutual funds—including both index funds and actively managed funds. Designed to maximize returns in your Fidelity IRA while managing risk through proven seasonal patterns.
Most Fidelity IRA investors pick a target-date fund and forget about it, missing out on significant returns. Our seasonality-based strategies analyze historical performance patterns across Fidelity's top mutual funds to identify optimal allocation timing throughout the year.
Each strategy has been backtested using real historical price data from funds like FXAIX, FCNTX, FSMAX, FTIHX, and more, demonstrating strong historical outperformance in backtesting while maintaining disciplined risk management. Our fund universe includes both index funds (e.g., FXAIX, FXNAX, FSMAX) with lower expense ratios and actively managed funds (e.g., FCNTX, FBALX, FBGRX) that rely on fund manager decisions—each with different risk characteristics.
When you subscribe to a premium strategy, you'll receive timely email notifications alerting you exactly when to rebalance your Fidelity IRA funds. No guesswork, no missed opportunities—just clear, actionable guidance delivered straight to your inbox.
Based on an initial $10,000 investment backtested from 2016 to present:
Strategic, data-driven investing can significantly outperform a passive approach.
View All StrategiesA smarter way to manage your Fidelity IRA using data-driven seasonal patterns
Markets follow recurring seasonal patterns. Certain asset classes—stocks, bonds, international funds, gold, real estate—tend to outperform during specific months of the year. A seasonality strategy uses these historical patterns to determine when to rotate between ETFs in your Fidelity IRA like VOO, QQQ, GLD, VNQ, and others for optimal risk-adjusted returns.
Instead of staying in one fund year-round, you strategically shift allocations based on backtested data—moving into growth funds like FCNTX or FBGRX during historically strong months and rotating into bond funds like FXNAX during weaker periods.
Our engine tests thousands of monthly fund combinations across 10 Fidelity mutual funds (6 index + 4 actively managed) using real historical price data back to 2016.
Browse top-performing strategies ranked by CAGR, Sharpe ratio, and drawdown. Each one tells you exactly which Fidelity fund to hold each month.
Subscribe and receive email notifications before each fund switch, plus an .ics calendar file so you never miss a trade date.
Log in to Fidelity.com or the Fidelity app and move 100% of your IRA to the specified fund between 3:30 and 4:00 PM ET for closing-price execution.
A strategy might allocate to AGG (iShares US Aggregate Bond) or GLD (SPDR Gold) during volatile months like September and October, then rotate into QQQ (Nasdaq 100) or VOO (S&P 500) for historically strong periods like November through April. By systematically rotating across ETFs in your Fidelity IRA, the strategy aims to capture upside while reducing drawdowns.
Our highest-rated strategies, optimized across 10 Fidelity mutual funds for different risk and return profiles
Rank #1 by Composite Score
Based on backtesting with an initial $10,000 investment (2016–present)
This strategy dynamically allocates across Fidelity mutual funds based on seasonal patterns identified through rigorous backtesting. It aims to capture upside during favorable periods while reducing exposure during historically weak months.
Rank #2 by Composite Score
Based on backtesting with an initial $10,000 investment (2016–present)
This strategy dynamically allocates across Fidelity mutual funds based on seasonal patterns identified through rigorous backtesting. It aims to capture upside during favorable periods while reducing exposure during historically weak months.
Rank #3 by Composite Score
Based on backtesting with an initial $10,000 investment (2016–present)
This strategy dynamically allocates across Fidelity mutual funds based on seasonal patterns identified through rigorous backtesting. It aims to capture upside during favorable periods while reducing exposure during historically weak months.
Premium features included with every subscription
Receive email notifications when it's time to rebalance your Fidelity IRA funds
Clear, specific fund allocation instructions for each month of the year
Backtested across 10 Fidelity mutual funds using real historical price data
Never miss a rebalancing opportunity with automated notifications and clear guidance
Get answers to your questions via email at support@apexequity.net
Simple, transparent pricing with no contracts or commitments
Start maximizing your retirement savings with data-driven strategies across Fidelity's top mutual funds.
View All StrategiesFidelity reserves the right to monitor and flag any account for aggressive or excessive trading activity. Our strategies are designed to operate within Fidelity's trading guidelines; however, if your account is flagged by Fidelity for any reason, you may request a full refund of your subscription by contacting support@apexequity.net.
Our strategies use a mix of index funds (SPAXX, FXNAX, FXAIX, FSMAX, FSSNX, FTIHX, FSPGX, FIOFX) and actively managed funds (FCNTX, FBALX, FBGRX). Actively managed funds have higher expense ratios and their future performance depends on fund manager decisions, which may differ from past results. Index funds passively track a benchmark and typically have lower fees. Past backtested performance of any fund—index or actively managed—does not guarantee future results.
Common questions about our strategies and how they work.
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