Fidelity came up with this plan for me and I am not sure what to make of it. They are proposing the following to me: 45 y/o male currently mostly in cash. Based on our discussions and my risk factor, they are saying 70/30 stocks and bonds. THey are saying it would be a blend of fidelity and non fidelity funds/etfs. I would start with about 50k to invest and the fee would be 1.5% and would drop if I chose to put in more money with them: |Asset Class|Percentage| |:-|:-| |Domestic Stock|51.3%| |Domestic Large Cap Stock|35.2%| |Domestic Mid Cap Stock|10.0%| |Domestic Small Cap Stock|6.1%| |International Stock|22.5%| |Intl Developed Large Cap Stock|15.8%| |Emerging Market Stock|4.0%| |Intl Developed Mid Cap Stock|2.4%| |Intl Developed Small Cap Stock|0.3%| |Bonds|23.5%| |Muni Inv Grade Bond|15.4%| |Other Bond|6.4%| |Muni HY Bond|0.7%| |Intl Developed Mkt Bond|0.6%| |Taxable Dom Inv Grade Bond|0.4%| |Taxable Dom HY Bond|0.0%| |Convertible Bond|0.0%| |Intl Emerging Mkt Bond|0.0%| |Short Term|2.5%| |Other†|0.2%|…