FBTC
Fidelity Wise Origin Bitcoin Trust
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The only real difference between the two is that FBTC is fidelity and is slightly more expansive, and IBIT is blackrock and is cheaper. In reality they have the same performance year over year performance so either is a great choice for tracking bitcoin.
What about FBTC? Just curious since it’s almost the same as IBIT
VT, BND, and FBTC. I added some bonds recently hoping to DCA into market volatility.
Can you explain more about FBTC and FETH in a Roth?
Just buy more auto of what you want. Don’t sell. VOO or QQQM. Same thing for crypto. FBTC FETH, in a Roth is chef’s kiss. Set to auto. work to increase the auto. Sell only when you have something urgent to pay for. Talk yourself out of smart rationalizations to sell for other reasons: consolidate, hedge,simplify… all just excuses for selling when you don’t have an urgent use of the money. Best of luck.
FBTC, not a stock but a Bitcoin etf.
Thats nothing compared to bitcoin ETFs such as IBIT and FBTC where you'll see big swings up and down every day.
KO, SPYG/SPLG/VOO, FBTC, and I would say intel but idk about that rn…maybe after they have a clear consolidation. You’d probably do the best by just parking/dollar averaging into those, maybe even a stock like DUK (energy), but actively investing may not be the best for returns if you’re already in a high income environment.
Took my ETHU profits. Holding FBTC for the rest of this rally, let's go!
I'd not be too happy because I hold a ton of FBTC in my retirement account, but I still don't get why that continues to make me money
I have it in my wife’s Roth since March 2024, DCA every week, up about 30%. I intend to keep it long term. Her Roth is the aggressive account, it also includes FBTC and IDMO.
Speak with a Fidelity rep. You can and should do this. You can open a roth ira for them, the greatest financial gift you can do for anyone. They can use the contributed money without penalty if needed. They can use that and the returns on investment without penalty for school, first home, and serious medical. The money grows tax-free and remains tax-free. Tea has them about S&P500 index funds like FAIXX or VOO. Teach them about today's tech with FBTC and FETH. You 12 year old, if making regular deposits, even small ,they'll be set and eternally grateful for the introduction.
I’m roughly 7.5% in FBTC. The my goal is to keep it within the 5-10% range of my portfolio.
None ☹️Missed that train but I might buy a little FBTC each paycheck.
>Short MSTR and get out of crypto gambling. Uhm - MSTR is tied directly to the price of BTC. If you short MSTR - you are getting further into crypto gambling unless you own an equal weight of FBTC or IBIT or similar to offset your losses with MSTR if BTC goes up.
I don't hate the trade. The chart looks rough so you probably have some wind at your back. If I were going to express this, I'd prefer a pair trade of long BTC, short MSTR (and maybe that's essentially what you're doing, based on your first sentence). BTC is still bullish enough it could float MSTR's boat a bit longer. But since MSTR's high last year, MSTR is down 21% while FBTC is up nearly 25%. So it's definitely not acting as leveraged bitcoin recently and while it has worked off some of its overvaluation vs BTC, I bet you're right that there's more to go. But I can never bring myself to be short anything bitcoin-related since short squeezes can be brutal at times, and we're still in the bullish part of the cycle. Hope it works out for you.
You might want to do VT if you’re worried about this. Personally I believe more in the US than international markets. The US government (left and right) cares more about the stock market than it does its own citizens which makes it crappy to be a citizen but great for an investor. As for bitcoin, I invest 5% into FBTC. But you might not want the added stress on your life. Once you start adding riskier investments the more you’ll want to optimize your portfolio with the best funds and you could end up losing sleep over a portfolio that might not even outperform longterm.
You might want to do VT. There is good reason to worry about the American economy. However, China is way worse off than the US and its economy is going to get even worse before it gets better. As for risky investments like bitcoin I personally do 5% into FBTC and have a lot of money in tech ETFs like SMH and IGV, as well as some single stocks. My PLTR stock is up 120% due to buying it in the dip in April. But once you divert away from a one fund portfolio it opens up a can of worms and gets you into optimizing the perfect portfolio with the best chance of a high return. This will add a lot of stress that you might not want in your life and could all be for nothing if your investments underperform longterm. So choose VTI or VT if you want to sleep well at night knowing that you’re pretty much guaranteed a fair return or you can go all in on a high risk portfolio that *could* significantly outperform over the long run at the cost of stress and anxiety (unless you have the stomach for it). If you want advice on something like that I can give you tips but I recommend starting with VTI or VT until you get a feel for your risk tolerance.
I started in my 40s as well. I have read that you need to invest $2000-2500 a month to catch up when starting at this age. I don’t have that much to invest so I’m instead investing in a higher risk portfolio. I’m not saying I recommend doing this but I either succeed or I fail and I know that a conservative boglehead 3-fund portfolio won’t get me there at this age. If I bet on the wrong funds I might make a lot less than I would with a 3 fund portfolio but if going the safe route is guaranteed to fail id rather risk it on something that has a chance even if it might end up underperforming. Most risky portfolio I’d be willing to do: SPMO, FTEC, SCHD, AVUV, FBTC, split equally, rebalancing annually for 15 years and then take a more conservative approach in retirement, maybe 30% SCHD, 30% AVIV, and 10% into the others.
Awesome situation... I think you're a little young for gold and silver and schd, however most of all you need to get more aggressive.... 30% VOO 50%. QQQM 10%. Mix of precious metals if you want 10%. FBTC Good luck with your investing adventure moving forward
Just DCA some FBTC and FETH if you want some extra excitement. Set everything to automatic. Don’t rely on self discipline. If you’re asking these questions 2 months in though, it is not a good sign. Best of luck!
You're mixing solid stuff with some weird junk. VT and AVUV are fine, but SPMO is a weird smart beta play and overlaps a lot with AVUV. SSO+QLD is double trouble - you're basically layering leverage on already volatile sectors. FBTC is fine if you’re cool with potential 80% drawdowns. Check this breakdown of your allocation: https://www.insightfol.io/en/portfolios/report/2423193b43/
Definitely take a look into a Bitcoin ETF like $IBIT or $FBTC. Fastest growing asset of all time.
You will Win with the plan you shared in your post, or even a small tweak here and there. JUST DO IT and Dont touch it for decades! The hard part is to start, and the hardest part is to stay consistent with investing and not cashing out if needed! Let it ride! Congrats! My fave etfs are VOO, SCHG, SPMO, and FBTC. SPMO and SCHG have had great returns.Check them out
I like to make my Roth a bit extra aggressive. So it’s mostly VTI with some SCHG and FBTC and FETH mixed in.
I’m probably not the best to follow. I do my more risky investments with my Roth. Currently holding FBTC, MSTR, IBIT calls. $44.5k deposited so far, grown to $200k over the 6 years I’ve been using the account.
Consider diversifying ETF custodians by splitting IBIT with FBTC. Look into the new STRC preferred instrument from MSTR. Currently offering 9% p.a., payable monthly, with the aim of a stable share price. Consider some direct BTC held in self custody (just in case ;-))
It doesn’t necessarily have to be all in QQQ (I have QQQM, which is the same thing but slightly lower expense). I also have VOO, SCHG, SPMO, FBTC, VUG. A lot of ppl will say (and have said) “ there is sooo much overlap”. But who cares! I like tilting towards certain companies, so i buy all of these. As long as you are investing, be proud of investing!! Again, it doesn’t have to be one or the other.
I just don't believe in bitcoin that's why yet FBTC is the best performing etf that I have right now. Had I gone all in with FBTC last year..........supposedly it will go to 1.5 mil
FBTC and FETH, maybe some Solana. Setup auto buys for whatever you can afford. Work to increase that auto. That’s all investing is: divert from spending to auto invest. VOO should be your largest. Sell only when you have something urgent to pay for. Learn as you go! You will do great!!
I've pissed away a few thousand in my IRA via options because I'm regarded so I don't do that anymore. However, I made a lot of money in my IRA by buying video game stonk, and then lots of GBTC back when bitcorn last went under $20k in 2022 or 23 I have some FBTC now but am mostly VOO. Whenever we start seeing articles about "is bitcorn dead" again, I'll be selling lots of VOO and buying more FBTC Oh, and 401ks can get rolled over to an IRA, so that's probably like $150k of my IRA principal.
So is Visa scamming people with Solana? https://usa.visa.com/solutions/crypto/deep-dive-on-solana.html Is Fidelity scamming people with their FBTC and FETH ETFs?
If you wanna be more aggressive, get SPMO for US equity and IDMO for international equity. The momentum tilt spices things up. Consider some FBTC. Bitcoin appears to be here to stay, like it or not, so if you buy in a Roth I recommend Fidelity’s offering. They actually hold their own BitCoin and don’t rely on a third party for it. Other considerations would be AVUV for small cap value. This ETF is something of a unicorn, they manage to get good results from otherwise overlooked small stocks. It’s been beaten down this year, which means it’s a buy opportunity. In addition to international broad indexes, I also hold FLIN for India equity. I genuinely believe in continued growth in India, and most indexes seem to be underweight for that country. If there are other regions you feel strongly about, check out other regional offerings from Franklin Templeton. Any commodities you feel strongly about? You could buy IAUM for gold, or ICOP for Copper Mining. Feel bullish on semiconductors? Check out SMH or SOXX.
Roth IRA with fideloty and then buy FBTC and FETH build generational wealth.
VTI + FBTC is a solid start. You probably don’t need a third ETF unless you want to diversify a bit more (like international or small-cap tilt). SPYG overlaps with VTI, but if it’s doing well and you like the growth tilt, no harm keeping it for now. If you want to consider managing things on your own now, check out something we have built for small portfolio managers: [www.photoncompounding.com/learn](http://www.photoncompounding.com/learn)
FBTC is superior because Fidelity self-custodies. IBIT does not hold the keys to its btc, coinbase does, so it has third party risk.
I like the IBIT pick, why was considering that or FBTC. Ended up going with FBTC, but same crap
https://www.fool.com/investing/2025/07/25/billionaires-sell-nvidia-stock-buy-etf-soar-8595/ Billionaires Sell Nvidia Stock and Buy a BlackRock ETF Wall Street Experts Say Can Soar Up to 8,595% | The Motley Fool They are dumping Nvidia for BTC ETFs. You’re good bro. Personally I go FBTC because Fidelity is not using a 3rd party like Coinbase.
I buy FBTC occasionally and will dca on dips. I like bitcoin but it’s a small percentage of my portfolio. Reddit either loves bitcoin or hates it.
I buy FBTC occasionally and will dca on dips. I like bitcoin but it’s a small percentage of my portfolio. Reddit either loves bitcoin or hates it.
For MAX return? I'd put it in a Bitcoin ETF first, like FBTC or IBIT Second choice if you wanna be a little less risky, I'd put it into QQQM. (Nasdaq). Final choice (about the same risk as #3). S&P 500. VOO. Don't panic sell if your money goes down in value between now and 5 years from now! Investing is a long term game.
I have FBTC in my Roth at Fidelity. No problem. P
Yes. I have FBTC in my brokerage and retirement funds. Hold for at least 5 years and enjoy the ride.
Seconded for PHYS, prefer the the Sprott funds over HSBC or whoever does GLD. I have a question about FBTC - I have a Roth and would like to allocate some bitcoin there. The Greyscale ETF is not allowed, not sure why, haven't looked into it. Do you think FBTC is purchasable in a Roth?
Most are good but I like FBTC for Bitcoin and PHYS for gold. Feel free to PM me if you have any other investment questions
Honest opinion, I have 20k in FBTC and 20k in SMH and plan on adding $500/week to FBTC for the next 5 years.
FBTC Bitcoin will continue to outperform everything. You can quote me on that.
Work it out in %…10% single stocks 10% FBTC 10% Covered call ETF (for the monthly cash flow), 30% SCHG 20% SCHD 20% VOO…as you age you’ll want to decrease your portfolio % of SCHG…rebalance to these percentages after 365 days.
\* 50% VTI/VUG/VGT equivalents \* 40% IBIT/FBTC/BTC equivalent \* 10% real-estate. \*\* Utilize your tax-advantaged retirement accounts \*\* DCA in to these over your lifetime. \*\* Maximize your income by becoming exceptional at what you do for a living. \*\* Remain patient and steady. Yes, it's really this simple. No, it is not easy.
So investing in FBTC is a bad idea? Holding for the long term.
I'll check it out, thanks! Seems like more risk is associated with FBTC but could work with my investing strategy.
Maybe add a small allocation to IBIT or FBTC
FSKAX and FSPSX are pretty solid choices for a Roth. No, I don’t recommend FXAIX in a brokerage, but only because it’s a mutual fund which pays capital gains, and therefore impacts taxes. Besides that it’s just an S&P500 index which is fine. I’m 47 and hold an FBTC position in a Roth that I contribute to every week. It might be one of the riskiest things I invest in but the gains have been great. I don’t know anything about the stocks you mention, generally I try to avoid individual stocks and opt for professionally managed ETFs to mitigate risk.
I would dump FXNAX, and add FBTC and IAUM
10k invested in FBTC one year ago would be worth nearly $1750 today
You did the right thing. https://www.investopedia.com/articles/investing/030916/buffetts-bet-hedge-funds-year-eight-brka-brkb.asp Buffett's ultimately successful contention was that, including fees, costs and expenses, an S&P 500 index fund would outperform a hand-picked portfolio of hedge funds over 10 years. The bet pit two basic investing philosophies against each other: passive and active investing. VTI and BFTC is fine, I have something very similar and it’s killing. you could add a growth ETF like FTEC or QQQM. Good on you for having FBTC in the Roth; make that untouchable from a tax standpoint.
Sure the guy wanting to put 20% in FBTC was asking for little risk.
„Due to limited historical data, this may show extreme values that are not realistic.“ - I guess because of the 20% FBTC which is a fairly new fund and I guess since inception it only knew one way, which was up to ;)
„Due to limited historical data, this may show extreme values that are not realistic.“ - I guess because of the 20% FBTC which is a fairly new fund and I guess since inception it only knew one way, which was up to ;)
Yes there is over lab but it probably not bad for you. To degrease overlap you could add VXUS which basically invests in foreign stocks but avoids the US. Instead o FBTC I would suggest investing in BTCI It uses covered calls to extract income from the bitcoin market. dividend Yield is about 20%
If your goal is a simple 2-3 fund portfolio, I'd recommend selling SPYG and rolling the proceeds into VTI. This avoids unnecessary overlap, reduces complexity, and keeps your US equity exposure balanced without chasing past performance. Keeping SPYG adds a growth bias, which could amplify gains in bull markets but increase risk which is fine if you're okay with that, but not essential for long-term retirement growth in a Roth IRA. Either way, both have rock-bottom expense ratios (SPYG at 0.04%, VTI at 0.03%). There's a strong case for adding a third ETF to enhance diversification, especially since your current setup (80% VTI, 20% FBTC) is heavily US-centric and includes significant crypto risk. If you add VXUS, a sample rebalanced portfolio could be 60% VTI (US stocks), 20% VXUS (international), and 20% FBTC (crypto tilt). Or dial back FBTC to 10% if you're concerned about volatility—Bitcoin ETFs like FBTC are extremely risky for retirement accounts due to wild price swings (e.g., Bitcoin dropped 70%+ in 2022), lack of income generation, and no ability to use losses for tax offsets in an IRA. However if you are a firm believer in crypto then keep it for the upside potential.
Your new setup is clean, but 20% in FBTC is a pretty heavy Bitcoin tilt for a Roth unless you're super high conviction. SPYG overlaps a lot with VTI, so probably redundant. What I'd think about is adding some international exposure (e.g. VXUS). Check this report on your allocation: [https://www.insightfol.io/en/portfolios/report/e112e6637c/](https://www.insightfol.io/en/portfolios/report/e112e6637c/)
Make that 80% FBTC and 20% the rest and you’re good.
There are tradeoffs. Some folks don’t want to be bothered with wallets and keys etc, your wife may throw your hard drive out and your retirement could be sitting in a landfill lol. FBTC is one of only two BTC ETFs that self-custody. All the other ones use Coinbase or a 3 party. I trust Fidelity more than Coinbase but that’s just my opinion. There’s advantages to have a BTC ETF in a Roth for example; that will grow exponentially tax free for life. On the other hand if Fidelity gets hacked or loses its BTC then you’re fucked; none of that is insured by Fidelity, someone else on Reddit called that out from the FBTC prospectus. My advice with BTC ETFs is to invest in only what you’re willing to lose. Diversification is important with any long term investments.
Apple Microsoft Amazon Nvidia Alphabet Tesla Taiwan Semiconductors Palantir JPMorgan Chase Walmart Costco Waste W FBTC VOO -Tech giants plus Costco and Walmart. Waste Management has been great for me for many years and garbage isn’t going anywhere. FBTC because too much potential growth in Bitcoin to ignore. JPM is a great financial sector stock for diversity.
Congrats! I'm basically all in on BITX/MSTR/FBTC at the moment, but want to take some BTC profits at some point and pick up some ETHU for short term gains. Haven't decided when I'll diversify, but I do think we'll see some nice ETH action.
I’m just not cut out to be a buttcorn HODLer. Sold my 1 share of FBTC on Friday for $8 profit. Enjoy the ride everyone else. I’ll be living vicariously and hoping for your untimely, yet hilarious, demise during the next crypto winter.
The funds you have are good. Yes, you can add a bitcoin ETF (Fidelity's btc ETF is "FBTC") if you wish, and doing so might not be a bad idea for diversification purposes.
Are you guys buying BTC and storing in wallets or just buying FBTC index fund?
I have a small position of FBTC that I am pretty happy with.
Yeah I like the potential of FBTC in my Roth IRA. Im not holding as much as you but it's been doing well so far. I throw in some more when I've got extra cash. It's not the largest portion of my portfolio but it's a sizeable amount.
Look man fidelity has a Bitcoin ETF. Higher fees than their other ETF but I'm stocking up on it in my Roth IRA. Not planning on touching it for like 40 years, we'll see how it plays out long term. FBTC. it's done pretty well for the past year
I put $40K into FBTC. It’s up about 19%. I’m ok with it being down 70%. It’s a gamble and $40K is all I felt comfortable gambling with.
I hate cryptocurrency as a whole, but I think Bitcoin is here to stay. So I’ve been giving a meager $20 a week to FBTC for awhile, and WOW the gains are just amazing. The way I figure it, if it fails that sucks and I’ll be bummed, but I don’t put nearly as much in it as I do equity.
Nvidia, in this day of age with AI is going nowhere but UP. My advice is to hold onto your convicted winner. If you want to shave some of it off, you can. If so, I would encourage you to dedicate a portion of that into a hard asset such as IBIT or FBTC. Hold onto it as long ad you have NVDA and you can thank me later. So happy for you and your success!!
It really is crazy. I only bought BITO because I was tax loss harvesting FBTC. The dividends are huge but also a massive PITA if you’re trying to be tax efficient like I was. I should have done more research. I’m using the distributions to purchase more FBTC.
My single share of FBTC I bought on Monday is looking like the best investment of my life. $8 profit in 3 days
That'sa good point. I do buy bitcoin ETF especially FBTC
ROC = Return of Capital. But I disagree. On the "Distributions" section of their website ([BITO | Bitcoin ETF | ProShares](https://www.proshares.com/our-etfs/strategic/bito)) they're all classified as dividends instead of ROC. Although in their FAQ, they state some distributions might be reclassified as ROC if the fund incurs losses later in the fiscal year. But back to your original post, the catch is that BITO buys and rolls front-month bitcoin futures contracts. That is extremely costly, so the fund's total return massively underperforms bitcoin itself in most cases. On top of that it's distributing ordinary income so the after-tax return is even worse if held in a taxable account. The past year's 53% yield is a function of bitcoin's appreciation. Since they're rolling contracts each month, they're realizing gains every time they roll the contracts forward. Over the past year, BITO's total return was 81.52%, the vast majority of which was distributed as ordinary income. By contrast, FBTC (a spot bitcoin ETF) returned 92.27% over the same period and left investors with the choice of when to realize their own gains (mostly). Over a year where bitcoin loses value, BITO's dividends might be zero. So I would not look at the dividend yield as an advantage. It's a representation of the inefficiencies of the strategy, both in its ability to track bitcoin's price, and its ability to generate after-tax returns.
1. VOO 35k 2. NVDA 18k 3. META 12k 4.AMZN. 11k 5. FBTC 9.5k Up on all and I’m 21
Interesting strategy! I’m a Fidelity customer though and I trust them for funds and ETFs, so no worries with FBTC.
I think that next year I will do 50% FSKAX, 30% stocks and 20% FBTC. I don’t believe in crypto and hate it but this is a bias that didn’t let me buy META at $100 years ago.
None of us can see the future. Personally, I dramatically shifted to more foreign equity and it sure has helped up my gains. I also increased my weekly contribution to FBTC (BitCoin). I’ve debated starting to DCA into a gold ETF, I just despise how high it is right now. But I’m thinking about it.
Been in and out of FBTC since day one. Love them. Have traded ARK ETF too; FBTC kept "fee free" longer.
I’m surprised more people buy IBIT instead of FBTC. Fidelity actually buys the bitcoin directly, while blackrock goes thru coinbase. It’s the same ER too, so Fidelity seems like a no brainer to me.
Buying individual stocks can be stressful, doing it correctly means research and babysitting. The only stock I still hold years later is AAPL, but everything else is ETFs which helps me sleep better. Stick with the advice of almost entirely ETFs, and a small allocation to stocks so you can learn with small bets. As for ETFs, keep it simple. Since you’re young I suggest 50% S&P index like IVV or VOO, 30% IDMO for international, 10% FBTC (if you don’t like crypto then make S&P 60%, 10% individual stocks.
You’re probably better off sticking with what you got, but I recommend you open a personal Roth account, contribute to that to your maximum per year ($7K if married), and stop contributing to your 401K whatever percentage that Roth max equates to. With your personal Roth established, you’re now empowered to invest in whatever you like with tax free growth. Your timeline is tight, so go bold! Maybe FSELX and FBTC. I do something similar to this. My employer matches up to 6%. So I only contribute 6% to the 401K to get my free money from them, and then everything else I do on my own with my Roth and my wife’s Roth. My investments are more exciting than their boring target fund.
Individual stocks are always higher risk versus ETFs or mutual funds. AAPL is the only individual stock I have anymore, but I’ve owned it for many years. CRSP has some serious potential, but I grew impatient and sold it. If NVDA or MSFT have another big dip, I might buy some, but it’s kinda silly since they already exist in most index funds. Happy to give you some favorite ETFs though. IDMO is a beast for international, and I’m fond of FIVA as well. I have a small position for ICOP. I genuinely believe copper and copper mining are a smart investment in the coming decades. FSELX is volatile but otherwise a great mutual fund for semiconductors. I contribute a little every week to FBTC. I don’t like cryptocurrency, but sadly I think it’s here to stay. I won’t deny it, it’s performed very well.
Make index funds the cornerstone of your investments. If you have no exposure to Bitcoin, after the next bear market / major correction to Bitcoin, if not now and near ATHs, you may want to consider some exposure to IBIT or FBTC.
Keep 75% of your profile simple. Broad ETF's. I'm bullish on bitcoin over the next 20 years, but feel free to drop it if you aren't. VOO(50%), SCHD (15%) and FBTC (10%) Add consistently and rebalance occasionally. Use 15% in a mix between established high growth stocks that you believe (whatever is the current "MAG 7" or flavor of the year). Buy when it dips and buy when it grows. Use 10% on moonshot plays. Disruptive growth stocks that could see exponential growth. Do your research and set a timeline (5-10 years). Don't get suckered into doubling down on a good month. High risk high reward, but a total loss won't crush you. This breakdown shoots for consistent long term growth. It's not going to make you an overnight millionaire, but its tried and true.