The Fidelity article, “6 Ways Busy People Can Help Build Their Wealth”, provides practical investment strategies for individuals who want to grow their wealth efficiently while juggling a busy schedule.

The article highlights six passive investing strategies, including:

  1. Mutual Funds & ETFs – Offering diversification and professional management.
  2. Target Date Funds – Automatically adjust risk levels as retirement approaches.
  3. Robo-Advisors – Using automation to manage investments based on goals and risk tolerance.
  4. Model Portfolios – Pre-constructed portfolios designed for different risk profiles.
  5. Managed Accounts – Personalized investment management for a hands-off approach.
  6. Automating Contributions – Ensuring consistent investment without daily effort.

These strategies can help investors build wealth passively, but they lack customization, control, and precision. While they offer convenience, they often result in average returns because they spread investments across the market without identifying the best opportunities or factoring in market timing.

Most passive strategies assume that buying at any time is fine as long as you hold for the long term. But VectorVest has proven that market timing matters—there is a right time to buy stocks and a time when it’s better to stay on the sidelines.

Our mantra is simple: Buy safe, undervalued stocks, rising in price, in a rising market.

If you want to take control of your wealth-building while keeping it simple, VectorVest offers a better alternative—one that helps you invest smarter, not harder.

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The Problem with Passive Investing: Is “Average” Good Enough?

Most passive investment strategies—like mutual funds, ETFs, and robo-advisors—are designed for average returns. They track indexes, diversify broadly, and minimize risk, but they don’t actively identify the best investment opportunities or the best times to buy them.

Here’s why that matters:

  • Low-performing stocks still drag down returns. Many mutual funds hold hundreds of stocks, including weak performers that weigh down your gains.
  • You have no control over stock selection. Passive investing means you’re investing in everything—good or bad.
  • You miss out on high-growth stocks. Many ETFs and model portfolios fail to capitalize on top-performing individual stocks because they prioritize diversification over smart selection.
  • You might be buying at the wrong time. Even great stocks lose value in a bear market. Without market timing, you risk buying right before a downturn.

Wouldn’t it be better to focus your investments on the best stocks available and buy them at the right time? That’s where VectorVest’s stock selection and market timing system gives busy investors a major advantage.

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The VectorVest Advantage: Smarter Investing in Less Time

Instead of relying on broad-market funds, VectorVest uses data-driven stock analysis and market timing to help you:

  • Find high-quality stocks with real upside potential.
  • Avoid weak stocks that drag down your portfolio.
  • Buy stocks when market conditions are favorable.
  • Invest with confidence—no guesswork needed.

With VectorVest, you don’t need to be a stock market expert to make better investment decisions. Our system evaluates stocks using three critical factors:

  • Value – Is the stock undervalued or overpriced?
  • Safety – How financially stable is the company?
  • Timing – Is the stock’s momentum strong or weak?

But just as important as stock selection is knowing when the market itself is rising or falling—which is why VectorVest provides daily market timing guidance.

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How VectorVest Improves on Each Passive Investing Strategy

  1. Instead of Mutual Funds & ETFs → Invest in Only the Best Stocks at the Right Time

Problem: Mutual funds and ETFs hold hundreds of stocks, including many that underperform the market.

VectorVest Solution:

  • Invest in only top-rated stocks with high upside potential (Relative Value > 1.00).
  • Avoid weak stocks dragging down returns.
  • Only buy when the market itself is rising—not during a downturn.

Example: Instead of buying an S&P 500 ETF (which includes weak stocks), you can use VectorVest to identify the top-performing 10-20 stocks within the index and ensure you’re buying when market conditions are favorable.

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  1. Instead of Target Date Funds → Adjust Risk Dynamically Based on Market Timing

Problem: Target date funds automatically become more conservative over time—but what if market conditions change?

VectorVest Solution:

  • Use Market Timing Indicators to know when to adjust risk levels.
  • Stay invested in growth stocks in a strong market but shift to defensive assets or cash in a downturn.
  • Customize risk allocation instead of following a rigid plan.

Example: If the market is bullish, why shift to bonds early? VectorVest lets you stay invested in strong stocks as long as conditions are favorable.

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  1. Instead of Robo-Advisors → Get Real, Data-Driven Stock Recommendations with Market Timing

Problem: Robo-advisors use basic asset allocation formulas—they don’t analyze stocks individually or factor in market trends.

VectorVest Solution:

  • Buy only stocks with strong Value, Safety, and Timing (VST).
  • Follow simple Buy, Sell, Hold ratings—no complex formulas needed.
  • Avoid buying when the market is in a confirmed downtrend.

Example: Tesla (TSLA) is a popular stock in robo-advisor portfolios. However, VectorVest’s analysis shows that TSLA is massively overvalued ($417.63 vs. true value of $33.01) and has poor long-term upside potential (RV = 0.04). A robo-advisor won’t tell you that—but VectorVest will.

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  1. Instead of Model Portfolios → Build a Portfolio That Works for YOU with Market Timing

Problem: Model portfolios are one-size-fits-all—they don’t adjust for changing market conditions or stock performance.

VectorVest Solution:

  • Build a dynamic portfolio based on current market conditions.
  • Hold stocks that are performing well and replace underperformers.
  • Use market timing to avoid buying at the wrong time.

Example: Instead of investing in a static portfolio, VectorVest helps you focus on top-performing stocks right now and avoid risk in bear markets.

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The Easiest Way for Busy People to Build Wealth

If you’re a busy investor who wants to grow your wealth faster—without spending hours researching stocks—VectorVest is the perfect solution.

Here’s how you can get started today:

  1. Check any stock’s rating for free: VectorVest Stock Analysis Report
  2. Try VectorVest risk-free for 30 days: Special Trial Offer

With VectorVest, you’ll always know:

  • What stocks to buy (and which to avoid).
  • When to buy for maximum profits—based on market timing.
  • When to sell to protect your gains.

Final Takeaway: Smart Investing = Right Stocks + Right Timing

The Fidelity article provides great passive investing strategies, but with minimal time and effort, VectorVest helps busy investors take their wealth-building to the next level by adding market timing into the equation.

  • Don’t settle for average returns—invest in the best stocks at the best time.
  • Don’t rely on generic portfolios—customize your wealth strategy with market timing.
  • Don’t waste time on research—use VectorVest’s Buy, Sell, Hold system for instant decisions.

Want to grow your wealth effortlessly? Start using VectorVest today.