FDVV
Fidelity® High Dividend ETF
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The story of a 19/20yr old learning (in my opinion) on of the most valuable lesson you can learn on the stock market…
What does dividend Distribution Yield (TTM) mean? High dividend funds?
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FDVV is a good one to start with. 2.76% yield, and .16% expense ratio. It appreciates nicely too.
My rollover IRA does not benefit from weekly contributions like my Roth accounts do, no DCA. Like most of my holdings in the rollover, I was interested in high dividend ETFs that still perform decent. The largest holdings include FDVV and FIVA.
You're both right. I have 1/2 of my investments in index funds, and the other half in individual stocks. Diversification isn't my main value driver with my individual stock selections. Instead, I mainly seek solid companies with good prospects for long-term growth. I buy and hold. Of the 15 stocks I own, half have been held for over 10 years. I'm patient. If they underperform, I sell... but I've been fortunate in that this has only happened 2-3 times. I'm not very active... my last three purchases (other than reinvestments) were AMD and NVDA last year, and FDVV 3 years ago. My individual stock picks have consistently beaten the S&P 500.
What you’re doing right is being to learn. For not just buy a low cost s&p 500 index, QQQM which is the NASDAQ, and a low cost total market index to hedge large cap/blue chip stocks. Some IQM, and VGT. Learn about getting what you can out of any 401k match lean harder towards a Roth 401k is possible. Max out a Roth IRA, and look into an HSA. Fidelity’s HSA is 100% investable. Calling the way build a dividend growth portfolio alongside your growth portfolio. I like DGRO, FDVV, SCHD, and DGRW.
25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.
25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.
Generally dividend ETFs are best closer or during retirement, but one exception I made for this is in my Rollover IRA which lacks contributions. I went with FDVV because despite being dividend focused, it still performs well overall due to top holdings that include Nvidia, Apple, Microsoft, Broadcom, JPM. [FDVV](https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=FDVV)
May not be quite the answer you’re looking for, but for my Rollover IRA, which does not receive contributions like my Roth, I opted for value investing with high dividends. FDVV is a large value ETF but the top holdings include Apple, Nvidia, Microsoft, Broadcom, and JPM. For International in that account I use FIVA for international large value, and it too has some big names.
Love FDVV. That’s one of my big ones.
I figure that’s what my ETFs are for, rather than individual equities. My big 4: SPHQ IGM CGDV FDVV Hedge: PPA RSPU
It has been a dog for several *years* now. YTD FDVV has a 10% return, versus SCHD's pitiful 1.89%. 5 yr return for FDVV is 18%, compared to 12% for SCHD. I used to be in the SCHD cult but have grown tired of the lag. Recently dumped it and replaces with FDVV and DGRO.
FDVV is SCHD+tech. Compare the charts, similar yield
Just use JEPI, JEPQ, GPIQ, GPIX, or FDVV. ULTY is not the play. XD
I'll keep posting it: SPMO + QQQM + AVNM + FDVV SPMO kicks VOO's ass!
Buying stocks properly takes more research than I have the patience for. It’s riskier than funds managed by a professional, just my two cents. The only stock I’ve held for many years is AAPL, which is also held in most popular funds. In regard to dividend funds, the consensus on Reddit is that for long term you’re better off with S&P index funds and/or growth focused funds. I agree if you’re talking about the popular underperforming SCHD, but there are other dividend funds that mimic S&P performance such as FDVV. What you need to do is compare fund performance on Fidelity.com for both short term and long term. Don’t let somebody else insist S&P is the only way if you want dividends, provided those dividends will reinvest in the fund of course. However if you want higher gain potential and can tolerate higher volitility, then dividend funds are not for you.
I'd stick with SCHG/SCHD since it's already working well for you. FDVV is solid if you want more international exposure but SCHD's track record is hard to beat. For growth, VUG and VONG are worth considering alongside SCHG but honestly your current combo seems dialed in already.
Yes exactly, but not being long can really hurt you over the long run. If valuations make you nervous, figure out the smallest reasonable stock allocation you're comfortable with and hold that. Don't sit in cash. Get some defensive funds like SCHD, FDVV, etc. Hold for the long-term and you'll do well.
Being early is the same as being wrong. I am all in on a CD right now, one expires in 6 months the other in 13 months (1 month already down). If the SP500 is lower then than it is now, I will all in into my stable "money storage" port (40% IVV 40% FDVV 5% IHDG 5% JBBB 10% XDTE)
I’ll admit, I sold a little bit and repositioned but I’m still 90% invested. I sold my short term buys that were only like 4% down for a small tax loss harvest, put 10% into SGOV and took 20% of my VOO shares and put them into a FDVV. Pretty much the only thing I did. My weekly buys are still on going as well as my biweekly 401k contributions. I felt that considering what is going on, having some dry powder, even if it’s just a little bit made me feel better. I’ll make adjustments as I see data and news come in if needed but otherwise just keeping with my schedule.
I got a cd paying 4.35%. Could be good for ppl that aren't going to buy for a year. Covid happened in 2020, market spikes in 2021, and crashes in 2022, reversing in late 23. Ill wait until the tariffs have been in effect for at least a year before dca into value funds. Split FDVV, VT, JBBB, SDY and SPY for me. Should net a modest gain of 6 or 7 percent a year
Seems like overly complicated set up. Any benefit of not just use SCHD and eliminate the other income funds JEPI, JEPQ, FDVV? "*I’d like to make a guaranteed decent return versus risking the market going down more*" SGOV is pretty much guaranteed, nothing else on that list is. What is your age and your criteria of moving back into index ETF?
Who cares about interest rates.? Buy a $350K property in cash, turn it into an AirBnB/vacation rental (use $50K to do that) or a long-term rental, and dump the remaining $100K into an ETF fund. ETFs are less risky than purchasing 1 stock, as they are a basket of companies. By definition, ETFs are diversified. Top 10 dividend paying ETFs according to GROK: SCHD VIG DGRO FDVV DLN SPHD VYN DVY JEPI FDV
I'm retired, so I want to avoid a significant drawdown. I like a "managed futures" holding, CTA. I hold CLO ETFs, such as JAAA and CLOZ (there are plenty of others). Also, I like BDCs. I keep a basket of BDC holdings, anchored by MAIN. I consider SPHQ and FDVV as my "core" holdings. I'm building those as I exit individual equities. Basically, I've trimmed my "fun money". I'll continue to use the "fun money" without regard to possible recession, stagflation, and/or bear market.
Trying to tell him to save money for when he's 70 is just silly. At 16, 54 years away may as well be 540 years away. Instead, make him do the right thing with at least half of his money. Open a custodial eTrade account, and put half his money in it. The other half goes in his piggy bank, custodial savings and checking, or whatever he wants. And keep a very simple spreadsheet of his "today Son" money and "tomorrow Son" money. Today money is money he keeps handy, and Tomorrow money is what's in the eTrade acct. that is a one-way trip for now, and not to be withdrawn from under ANY circumstances for at least 10 years (26 isn't as far away as 70, lol). Let him choose, within reason, how to invest some of his custodial account - FDMO & FDVV, VOO, SCHD, TBLL, VCIT, whatever, but make sure they're good, stable, mix some dividends with some growth, and maybe let him pick stocks of products he is familiar with, like Pepsi / Coke, or Colgate / P&G. Giving him some choice will give him a sense of ownership, rather than just something you're twisting his arm and making him do. Tell him something VERY VERY VERY important. This isn't the Star Trek universe, where stuff comes out of a replicator for free. You're going to start adult life working for money. That means YOU are a servant, and MONEY is your master. That's not good, but it's necessary to function in polite society. Your goal should be to turn the tables, where YOU are the master and MONEY is your servant - or, in other words, instead of working for money, your money is working for you! You can only get across that threshold by investing, and having assets that do that work of making your money make more money. And since you're not a billionaire, stacks of gold or acres of real estate isn't practical, but stocks and ETFs are. You can have him set goals, like, "my money makes so much money, it buys a meal out to eat once per month." The next goal might be "my money makes so much money, it's a car payment every month." But you keep adding to it, not taking away. By the time he's 30, he may actually be able to skim off the top for a meal out to eat every month, and the rest can continue to the grow the portfolio. Maybe by 35, it will be his car payment - again, leaving some of the D&I in to continue growing. And by then, he should be married, engaged with a career level job, and probably also have a 457 and/or 401k. And his regular portfolio is just another income source - a second job, but without having to work another 40 hours per week.
Not exactly, but my portfolio is kept sorted by Composite Value. The CV is generated with an algorithm using capital gain and dividend & interest over time. For example, my SPYI has a capital gain of 13.1% and a dividend of 12%, so the CV=.160. JEPQ in my portfolio is up 7.1% and pays 9.6%, so its CV=.114. FDVV, which I've only recently started investing in, has a CV of just .038, because it pays < 3% dividend and is nearly flat, with 0.2% capital gain. I also keep watch lists that have a fixed date and price at closing on that date, for something of a "back tested watch list." The watch lists get updated weekly, and if I see one of my products slipping badly in the watch lists, it can be a sign I need to shed some or sell all before the bottom falls out. The watch list is what convinced me to sell my WBA (Walgreens) last April. You can see what happened to the share price and dividend since then, and see how useful my Composite Value logic can be. But the question I'm asking in this thread is just to see if there are industries or sectors that I might be missing out on. I have zero REITs, for example.
I'm looking to diversify and add some longterm ETFs for **dividends** to my portfolio. I was looking at putting a few thousand in SCHD, FDVV, FBTC, IBIT, XDTE, VYM, and DGRO and have a few hundred deposit into them every month recurring. Any thoughts?
NEED ADVICE PLEASE 🙏 FXAIX, SCHG , FDVV , SCHD , SOFI ,PLTR , WBA I need to add more money 💰 to my heavy hitters this account I’ve just been letting it grow passive and me changing up my portfolio maybe once if needed a year. I mean the percentage of SoFi and PLTR has some pretty good gains I need to add more to them and I need to add more to FDVV SCHD WBA for more dividend growth. It’s at $68.61 right now all pay around the same time December. But it was a roll over from my previous employer started at 1k grown to 6.4K so far. I was wondering should I keep my portfolio in fidelity as it was ? Or should I roll it over into My portfolio with Robinhood ? I also have a SoFi portfolio two individual portfolios $900 in one and $240 in a AI portfolio. Then I have a Principal portfolio with my current employer that I am contributing 4% of my check with a 4% match so about $100 every two weeks. It’s Currenly Valued at $712 That ticker Symbol is VTTSX
i'll buy a whole bunch of random stuff, but i have daily reoccuring investments in a lot of ETF's primarily, which are my long term holdings. Daily: $2 FDVV $2 SCHD $1 IWM $3 VOO $10 VTI $2 BTC $2 VUG $2 VXUS $2 LNG (I just think they'll go up late 2026) $26/ every market day, $2 every non-market day.
Sell it, mark my words. You’re going to regret not putting half of your winnings into a money market as BP for when shit hits the fan. Your biggest tool in investing is BP (buying power) without it you got absolutely nothing of value. You’re staring at a screen with unrealized gains, and you’re going to hate yourself when you wake up and it says zero profit. This could happen in an hour, tomorrow or before the year ends. Congratulations, but don’t miss out on better opportunities, take it from someone who’s won big and lost big. Take the profits, have at least 50% buying power in a money market for rainy days, buy some cool ETF’s (HYBL, FDVV, SPYD) these are a few cool ones. NOT FINANCIAL ADVICE\* but this is 100% what i would do if i were you, and I’ve currently been doing the same and have increased my portfolio from 5k-80k this year alone, not as big as your wins but mine are now realized gains, because im currently 80% cash in 4% yield SPAXX and 20% small caps that have me at 50-300% profit from gains and investments i made before the election. Godspeed! 
Fidelity high dividend ETF (FDVV) nice dividend, good bit of risk, and steady growth
TL;DR -- What are your thoughts on re-entering the market today? I pulled out of the market in July. Would you get back in today? Longer: I'm a naive investor, and that's being generous. My investments are about 70/30 between a 401K and a brokerage. Early July, things were riding high but even I could see that a correction was brewing. I did something I've never done before- pulled 100% out of stocks and into first cash accounts, and then into short-term t-bills. In the days that followed, the value of my holdings would have dropped about $70K, had I held onto them. So I know a fool like me isn't supposed to try and time the market, but it worked this time. Now, those losses are reversed and this same portfolio would be up today around $20K over my mid-July sell prices. Of course I did earn interest on the t-bills, so that compensates some of this. I could have gotten back in before the rate hike, but decided to suppress my FOMO, in order to get a better feel for the blowing winds. It feels to me like it might be an OK time to get back in, perhaps tomorrow. I'm talking primarily about investing in VWNAX and the Vanguard Institutional 500 Index Trust (these seem to be the best options in my Vanguard 401K), and VOO and FDVV with brokerage funds. My biggest reservation is that the market is trading at all time highs. Seems precarious. But it seems the sentiment, at least for now, is moderately bullish. What are your thoughts on the market risk, entering back right now? Is it better to wait for a real correction before jumping back in?
I'm 50 and medically retired. I'm 17% cash, 30% bond funds and 53% stocks (mostly US ETFs like VOO, SCHD, FDVV and VUG). My bond funds are providing me with income and some capital appreciation due to buying them when interest rates were high. I also sold them off during COVID when rates dropped to 0. Bond funds can work well, but yes in some environments they can fail to be a good hedge. Most of the time they work well enough though.
SPY, XLK, FDVV, WBD, and F. The majority of it is the first three. I have about 5% into F, and 5% into WBD.
FDVV and FXIAX to my bedroom ceiling 🚀 💰
SELL IT IMMEDIATELY AND JUST TAKE A BREAK FOR A FEW DAYS BEFORE YOU MAKE ANY STUPID MISTAKES. GO DRINK PINA COLADAS AT THE BEACH AND THEN LOOK UP FDVV, and other LONG TERM STOCKS. DON’T BE A TYPICAL REGARD! 
Few “new topic” posts contemplate a “middle ground” adjustment. Lots of extremes. “I’m going 80% bonds!” First, what percentage are you holding now? I mean, if someone is 20% bonds now, why go 80%? That’s an unnecessarily abrupt move, especially since cash is still a 5% play. Try 30%, then maybe 40%, et cetera. I may have missed it, I didn’t identify your current bond position. I’m retired. FDVV and SPHQ are my “core”. I have cash/CDs. As the CDs mature, I am easing that cash into utilities ETFs (currently RSPU and UTES). I’ve been afraid of so many things in my mind over my lifetime. A few of them actually happened. I am still learning, emotion-driven investments are vastly suboptimal.
Well depends on your age + what else you have going on but $150k is a great amount to start investing and build a really strong foundation. As long as you make smart choice and invest it for the long hall I don’t think you will go wrong. VOO and FDVV are solid. I would suggest you look at doing a direct index with a portion instead. It’s as easy as buying the ETF versions but you capture 2-3x more tax losses to offset gains and/or up to $3k per year of income. The fees can be stupid high for direct indexing but I use Frec.com and it’s only .1% for the S&P 500. Well worth it for me.
lol, with 10k per month, you surely can retire at 55 if you are not crazy spender... For you age, I will suggest you to focus on dividend, but make sure to invest in safe ETF such as SCHD. Take a look at r/dividends/ Like 50% in grow like VTI/VOO and 50% in dividend focus ETF like SCHD/DGRO/DGRW/FDVV/VIG
Currently, FSPTX is the only true tech etf that I hold. But I am also in FDVV. It is a somewhat tech heavy dividend fund. They are about 24% of my portfolio. The other 75% is split between an S&P 500 and a total market fund. All of these funds have some overlap and therefore increase my tech exposure. At one point, I was about 90% tech, lol. I moved away from individual stocks a few years ago. I got lucky with a few swing trades but decided that swing trading involves too much risk for a person my age. And I don't have time to research companies or the market like I used to. I am confident in FSPTX and plan to keep it at around 15-20% of my total portfolio, despite its somewhat higher expense. I am on the fence about FDVV.
Aren't we all just doing some educated guesses? Most of my portfolio is on FDVV and ONEQ cause I don't think I'm smart enough to beat the market. My plan is to just rely on Uncle Sam going brrr with the printing machine and just riding that
I added more NVDA, GOOGL, FDVV, ONEQ. I expect prices to drop more so will load up once that happens
If you want safe, consistent dividends, avoid yield max ETFs. They’re pretty high risk. If you want a pretty safe ETF that has good dividend growth, go with SCHD. FDVV is another popular one, but it’s a little higher in risk. Its dividend is also lower than SCHD’s. VYM is okay, but its div yield is lower than SCHD’s. JEPQ and JEPI are 2 really popular ones. They have the yields you are looking for, and they appear to be less risky than yieldmax ETFs. They’re higher risk than SCHD. But there is very little long-term data on them, with even less data for JEPQ. Several people mentioned T and VZ. If you only want 5-6%ish div yield and don’t care about share price appreciation and div growth, these could be fits for you. Their debt is incredibly high, but they do appear to be slowly paying it off. That will likely take a very long time because of how high it is. And it assumes that they won’t add more. VZ has a higher yield and has a longer history of increasing its div yield, but it looks like it’s almost topped out. T was a dividend aristocrat, but it recently decreased its div yield. They both recently released their earnings, and T did better than VZ. However, there doesn’t look like there is much room for share price or company growth for either company.
SCHD and FDVV. DGRO is really good, but it has higher div growth and currently lower div yield.
In summary, two simple suggestions are to consider FDVV (dividends) and JEPQ (covered calls). My late father was a “value investor”, a former stockbroker way back in the day. He did quite well. In a low interest rate environment, he moved heavily into dividend funds, particularly VDIGX. This made a lot of sense. When the market “corrected”, the dividend-oriented funds held up better than the market as a whole (see 2022). In a high interest rate environment, I suspect the dividend funds might not hold up as well as they did in 2022. So, one option for you might be to roll into dividend funds. Personally I like FDVV. I still hold a lot of the VDIGX that I inherited, as a tip of the hat to my father. These days we have a newer tool, the covered call ETFs. I went slowly, I now feel quite comfortable with JEPQ. For me this has to be in an IRA, because JEPQ “dividends” are taxed like ordinary income (I think that’s correct?). I am retired as well. I try to keep it simple and also enjoy retirement!
I was trying to figure out how much of my investments are really making a difference because I keep seeing these stocks with less than 1% (some as low as 0.01%) in the ETF positions. So, if I invested $100K each in FDVV, QQQM, SCHD, SMH, VOO, XLK that would be $600K total. There are 567 stocks in these ETFs that have less than $5000 (range is anywhere from $5000 to $10 in a stock) invested and these add up to $282K. To me thats $282K wasted. Hope this clarifies.
Dividend etfs work for me, stocks like FDL, FDVV, SCHD + Vanguard etfs, they provide the most growth for the least risk, in my opinion
A second question: Two ETFs, one firm (Fidelity). They look very similar in most respects. Would anyone care to recommend one over the other? Why would you make that choice? Fidelity FVAL: [https://www.morningstar.com/etfs/arcx/fval/quote](https://www.morningstar.com/etfs/arcx/fval/quote) Fidelity FDVV: [https://www.morningstar.com/etfs/arcx/fdvv/quote](https://www.morningstar.com/etfs/arcx/fdvv/quote) Thank you, again. Redditors are the best.
No offense. Daughter used to work there and I respected what she did as a financial consultant. But I left on my own as she could not even match what I can get elsewhere fee and product wise. I can pay nothing, no commission, no expense getting 5.5% for 1 year US Treasury, or 5% for 10 year(dipped a bit) paying me every 6 months, state tax free. I also can pay 0.35% not 3% buying SWVXX getting 7 Day Yield 5.37%. Use it as a saving account. Want to cash out I sell 24 hour before. Depending on one's tax bracket some say VGSH, VMSXX, VUSXX, FDVV are all attractive.
Exactly. I’m not making huge gains, but I’m happy owning my stock picks in the long run and only do small options bets that I feel really good about. Over 50% of my portfolio is index funds (SPY/MOAT/FDVV/target date funds).
What is mooning right now? I have some share of FDVV an ETF and it is showing as up almost 5% after closing today on Robinhood . None of their top 10 holdings are doing that good
I went with Fidelity. They helped me do a Rollover IRA with my 401 K and a roth with savings. FDVV for a dividend ETF and ITOT for S&PETF
Aside from the TSP? I currently have $7,500 in my Roth IRA which consists of SPY, MILN, ICLN, FDVV, SPHD, QYLD, and BND it’s fairly low-risk. Should I just use that extra $25,000 to max out my retirement fund for the next couple of years? And keep doing what I’m doing?
I'm already invested in a mutual fund and I'm looking to put some money into my first ETF. What do you think would be the best one to get into as a beginner? JEPI, FDVV and SPHD?
That's actually a really easy question to answer. I personally use fidelity for my investment purposes and they have several ETFs made by their researchers. You can buy into these and just get dividends or growth or both and not have to worry about anything. They manage the etf and trade stocks out and in depending on their research etc. So you can just toss all your money into one or more ETFs depending on the category that you like and let them manage the rest. Examples are like, Blue Chip Value ETF (FBCV Super stable companies) High Dividend ETF (FDVV Companies which return a lot of money to investors each year) etc If you don't want to use fidelity see if the other brokers have similar features, I'm sure they do. If you really don't want to fuck around with it. Just buy S&P 500.
I took a $700 loss on a stock. Sold all tech about 3 months ago and shifted in to reits. Sold at a profit + divs. I only have about 5% invested now. I’m just sitting on the sidelines with cash. I’m going to pick some stocks to start DCAing in to next week or just start a straight VT position. The only significant position I held was FDVV. I still have around 6k in it.
Planning on making a Roth IRA through fidelity as a higher yielding bank account. Would FDVV or NOBL be sensible, tax efficient in this space?
Mining stocks like Rio Tinto or Fortescue mines. Oil stocks are 3-4%. Banks range from 1.5-4.5%. REITs will net 4-10%. There are even ETFs focused on dividends like Fidelity's FDVV. Troll through the 100 or so holdings and find something you like. I've recently purchased Prudential (4.1% dividend), Dow (4.6%), Chevron (4.1%), SPG (4.3%), Pepsi (2.5%) - all holdings in FDVV with good dividends and don't regret buying any of them.
Try FDVV from Fidelity. On a quick glance there are 22 stocks that overlap. FDVV has MSFT and AAPL as its top two holdings. It has more banks, tobacco, REITs, and energy.
19th Chevron (CVX) +5.7% 24th Alpha & Omega Semiconductor (AOSL) +13.9% Prudential (PRU) +10.1% Simon Properties Group (SPG) +1.6% Dow (DOW) +8.8% Pepsi (PEP) -1.1% 27th AMD (AMD) +16.2% Intel (INTC) -0.5% 31st FDVV ETF +0.7%
To give a different take on where to look for dividend stocks check out the ETF FDVV. It's Fidelity's dividend ETF. Mostly large, established dividend stocks. It should give you some food for thought. Or just go through the holdings of any similar ETF. I chose FDVV because I have a Fidelity account. It includes a wide range of industries so you should be able to find something that strikes your fancy.
If you don't know what to invest in and don't need the money right away I'd suggest VOO or a high dividend ETF like FDVV. Don't reinvest the dividends but take them and slowly expand your individual stock holdings.
I'd go with their lowest cost total bond mutual fund, should be easy to find on their site. If you want an ETF, Ishares AGG is the lowest expense ratio I believe. Any of the large cap dividend ETFs will work, just go with the lowest expense ratio, whether that's Schwab's, Vanguard's, or Fidelity's. (SCHD, VYM, FDVV).
Agreed! I will give them a call! But I’m 20, lucky enough for my family to live close to the college i’m attending, all i pay is phone, car, and insurance. having just about 500$ on the side may not sound like a ton but it’s all I would need if i lost my job for a few months. The rest I pile into my Roth IRA and brokerage acc. Got about 6k in the market now and I love it. Even when there’s been big dips I just buy more, however when I first started, I bought random call options, and i wish i couldn’t say this, but it worked, I profited, and they say the worst thing that can happen on your first trade is that you profit, and after that i felt like I couldn’t lose money I 5X’d my money, since then i’ve slowly lost it all back to what i started with, until about a month ago I turned 20 and I finally learned what I believe is the best lesson on the stock market, The key is time. So i sold all my dumb meme stocks, all my options, and now i’m buying growth/dividend etf/stocks like SCHD, MSFT, FDVV, etc. With the exception of a few stocks with the small “fun” portion of my portfolio. I love it and can’t wait to continue it. This years goal is to max out my roth but I doubt i can do that cause being full time majoring in Finance that doesn’t allow me lots of free time to work.
Ditto the bulk of your assets should be in an ETF or fund that has lots of stocks from different industries. Dozens, hundreds or even thousands of stocks. This a lot safer, because it spread the risk around. Any company can collapse and go out of business and the stock is worthless, but 500 or 1000 companies are not gonna fall apart all at once. Look at options like VTI, VOO, SPY, IWB, HDV. Good fidelity specific options are FZROX, FZILX, FDVV, FNILX, FXAIX, FZIPX. A common rule if you want to do single stocks is keep them a max of 10-15% of the portfolio. they are simply a lot riskier and more volatile. >After about 3 weeks I am down roughly $300 from my initial $8k investment, an average -3.3% return. 3 weeks is too short a period to draw any conclusion. pick 5 stocks at random and 3/4 of them probably have a 15-30% fluctuation over any 12 month period. stocks go up, stocks go down. it's what they do. >Relative just keeps saying, "don't worry, as long as you keep your money invested in these stocks and wait a year or two there will be a positive return." Probably accurate, but never a guarantee. >Trying to grow my savings to purchase a home in 6-12 months investing is for money you can leave alone for 5 years or more. this is because any 5 year period in market history there's an increase in value ~90% of the time. but that assumes a well-diversified portfolio as described above that represents the entire US market. >Really the only resources I have right now are my relative, and The Motley Fool/Stock Advisor that I was talked into purchasing for the next year. my personal guideline is to take investing advice from people only if they have a Wikipedia page. or at least, to give their advice more weight. People like Warren Buffett, Peter Lynch, Joel Greenblatt, Howard Marks, etc. I want advice from professionals, not amateurs. Lynch's books from the 1990s are a bit dated in some ways, but his fundamentals are bulletproof and he's not hard to read or too technical. Greenblatt's "Little Book That Still Beats the Market" is a great starting point, he wrote it for his teenaged kids to understand his career and not too technical either. Warren Buffett and Howard Marks write memos to their investors, that are widely read and followed. Marks's memos: https://www.oaktreecapital.com/insights/howard-marks-memos/ Buffett's memos: https://www.berkshirehathaway.com/letters/letters.html this is the single best introduction to investing that I've ever seen, from an old firm called Davis Advisors: https://www.davisadvisors.com/davissma/downloads/WGI.pdf take notes on all the names of the famous investors they quote...
>70% in low risk/fix income ETF HDV, SCHD, FDVV and similar ETFs are focused on stocks with higher dividends, mostly larger, established slow and steady companies. a low-volatility ETF like ACWV might be a good option, too, potentially not ETFs but you might want to consider balanced mutual funds for part of the portfolio. for example, the Dodge & Cox Balanced Fund (DODBX) is almost 100 years old, 1931 inception, one of the oldest funds on wall street and still following its original mandate (~70% blue chip stocks, 30% fixed income). Dodge & Cox has an absolutely stellar reputation [ https://www.nytimes.com/2017/10/13/business/mutfund/dodge-cox-mutual-funds.html ]. or the Vanguard Wellington fund (VWELX) similar but IIRC closed to new investors for now, the Vanguard Wellesely Income Fund (VWINX). Fidelity Puritan (FPURX) or Balanced Funds (FBALX), or the T Rowe Price Balanced Fund (RPBAX). YMMV, but longevity counts for something in my book. as for growth, I'd be a little suspicious of QQQ. it's very trendy and IMO over-valued and I'd prefer a broader growth option that's not so tech concentrated. some of the best performing stocks of the past 20 years are not tech, such as Monster Beverage and Tractor Supply. "portfolio manager for my family" sounds like a lot of potential problems. have you guys drawn up a contract of any type? is this a trust fund?
Not sure about the point of having the S&P 500 when you already have VT, unless you are very bullish on the US for some reason. Your AAPL, AMZN is also already a big component in those other funds, and have had big recent runs, so it seems dubious to include extra weight. FDVV is also dubious, if you just picked it on a whim I recommend setting aside 10 min to [watch this explanation on why dividend yield isn't important](https://www.youtube.com/watch?v=f5j9v9dfinQ). If you want hands off, just all into $VT is the best choice for long term set & forget.
30 year old in USA. Have half of my portfolio invested in S&P, other half invested equally in AAPL, AMZN, VT, and FDVV. I want something relatively stable and hands off. Anything here seem redundant? Specifically been debating AMZN. I bought up more early this year in hopes of a split with Bezos leaving, though I’m now less confident that will happen and just kind of want to set&forget with reinvesting.
Out of the Fidelity Zero funds, I like FZILX. Generally the International funds have higher expense ratios so you are getting a better deal with the fund having zero expense ratio. You may want to swap out your EEM and maybe build up a position in FZILX. FDVV and FIDI are underwhelming and pretty low liquidity. In general, Fidelity ETFs are not great. You may want to look in to the more popular and better performing options: SCHD, VIG, DGRO. Side note I have to give you props for admitting that you have NKLA. Good luck!
Hi and thanks in advance for any help. 19M / USA / $14,000 in savings / no debt I just put my first $500 into a Roth IRA with Fidelity. I plan on maxing out my contributions this year. My goal is to save this for retirement. My time horizon is long and my risk tolerance is somewhat high. I want to invest in ETFs, mostly equities (both US and foreign), and some bond ETFs. I would like to take advantage of Fidelity’s commission free ETFs and get some of those. Here are the ETFs I’m considering: FENU, FBND, FDHY, FDEM, FNCL, FREL, FDVV, VB, VOO Any advice on which of these I should pick for a good mix? Other ETF suggestions? Or suggestions in general? I’m very new to this, hoping to make a few solid, diverse investments to start off and learn as I go along. Also, when is a good time to buy? Should I wait for prices to dip or should I buy ASAP, assuming values will keep going up? Thanks so much!
I’m in FDVV right now, though I am on Fidelity so that’s partly why.
dividends are taxed at ordinary income rates, so might want to talk to a good CPA before jumping into dividend investing. don't want any tax surprises. it is often recommended dividend investing is best in a Roth IRA so the withdrawals are not taxed but rather than single stocks, I'd look at funds/ETFs that collect a group of dividend stocks. this will probably be a bit more stable than single stocks. at Fidelity, check out FDVV for US high-dividend stocks and FIDI for international