FHLC
Fidelity® MSCI Health Care Index ETF
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What is the penalty or fee for selling Gabelli Healthcare and Wellness RX Trust mutual funds and purchasing an ETF of its equivalence in Fidelity or Vangard?
17 Years Old, Just opened custodial account
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**FHLC** Fidelity MSCI Health Care Index ETF $75.69 Healthcare is always in need but the sector has been out of favor. +1.94% for the year +1.24 for six months. But it appears to be cycling in as tech cycles out. +7.39% three months +5.18 one month FHLC has the same expense ratio as XLV but costs less per share and holds 342 companies vs 63 FHLC up 2.60% year to date vs XLV up 1.39%
You can get some bargains in poor performing sectors. Real Estate has the worst 1 year performance (+6.85) but it's not an exciting place to be. Financials are the next worst (+8.57). They'll get a bump if interest rates go up and companies always need a loan or someone to do their IPO. Year-to-date, Healthcare and Financials are down 4% and 3% respectively. I only do ETFs. I just threw another thousand into healthcare (FHLC) and financials (XLF).
Hi, there aren’t really “charity ETFs.” FHLC is just healthcare exposure, not impact investing. For dividends + quality tilt, VIG or NOBL are solid. For ESG exposure, ESGV or DSI; ICLN for clean energy. Most people combine dividend ETFs with direct donations for actual impact.
I like FHLC for healthcare index funds
As a fidelity user, **FSKAX**, **FSPGX**, and **FXAIX** are all amazing, broad, medium risk, and the majority of my steady growth strategy portfolio. I have been looking into "riskier" options like **FDIS**, **FSTA**, **FTEC,** **ONEQ****,** and **FHLC** because I trust those markets will consistently grow. The ups and downs of those "riskier" funds will be more significant than the S&P 500 but less fluctuation than a single stock. In addition, those MSCI funds are not dependent on the US total economy, but focused on specific dominant sectors in the US economy. If you have a low risk tolerance, looking at bond funds like FXNAX would be perfect to lean into as you get closer to retirement! I hope this helped out!
- 25% FIPDX - 15% FUTY - 10% FHLC - 15% GLD - 15% SPAXX - 20% FXAIX Outside of that I accumulate shares of NVDA. I wanted additional exposure to AI, despite the increased risk.
- FIPDX, inflation protected bonds - FUTY, utilities - FHLC, healthcare - GLD, gold - FXAIX, s&p 500 - SPAXX, cash high interest yield Cash to buy up assets that tank during his term at a discount. Gold to hedge the global instability. Utilities and healthcare are defensive sectors to provide stability in times of uncertainty and tariff potential. Inflation likely to rocket so get invest accordingly.
- FIPDX, inflation protected bonds - FUTY, utilities - FHLC, healthcare - GLD, gold
How should I invest for my goal described below? * My saving goal is for a house down payment in 3-5 years. I'm flexible as to timing so kinda want to wait for a downturn to get a home. I have 75% of down payment saved in a CD ladder. However, as rates are slowly going down, I want to have some savings elsewhere. * I already have healthy tax advantaged retirement accounts (mostly SP500 and a little of bonds & international). The goal of this portfolio is to have OK return during a downturn. Best case scenario for me would be making some money during that time to increase my downpayment & have more options when it comes to purchase a home. * Should I buy defensive stocks (VPU/FHLC/FSTA), or gold mine companies? Or should I look into bonds (feel like I don't know enough to successfully invest in bond other than for volatility hedge in my long term retirement portfolio)? * Very new to investing and appreciate thoughts and guidance on the appropriate portfolio composition.
FIPDX - inflation protected bonds FUTY - utilities index FHLC - healthcare index FXAIX - S&P 500 mutual fund GLD - gold SPAXX - cash high yield savings This is a strategy for highly liquid assets with baked in defensiveness against inflation and global tension. Some cash in a high yield savings will be nice to have when they tank the economy so you can buy up more assets like FXAIX at a discount.
FHLC Healthcare FSTA Staples FDIS Discretionary FIDU Industrials Just a sample, those are Fidelity's.
I hear you. I have maybe 10% in VIG, FHLC and GH is health/biomed. Regardless, point taken. I’m still fairly young in my investing life (38), but I’ll say this strategy has been fruitful (outside of ARK funds, fliers on some marijuana stocks and LAZR). My goal hasn’t been to get rich. I actually had a goal when I was younger to invest $10k in each of Google, Amazon, Apple, FB and Microsoft. I’ve really just left those and haven’t re-weighted. Since then I’ve been into VOO probably 90%. My point is, it’s grown this way and it’s not something I orchestrated over night. Long-term investor, but I feel like ARK is stuck on the bottom of my shoe.
You could also spread your bets by investing in a fund that includes MRNA and their peers. Funds like GNOM, IBB, & XBI are more targeted to biotech, while funds like IXJ, VHT, & FHLC cover the healthcare sector more broadly (in each group the first is global and the other two are domestic). Of course these are just examples; plenty of these funds exist with different benchmarks, strategies, and fees.
I like health care sector for portfolio diversity reasons but prefer ETF exposure (XLV, FHLC) over trying to stock pick such a government regulated industry. Best of fortunes to ya!
TL;DR: Reached $100k invested within 3-4 years Here’s the breakdown: 2014: - started new job when I only had $1k in a 401k from my previous job. - started off with low % contributions into my new job’s 401k (vested immediately), - company stock ESPP (purchased quarterly with discount) - also got annual stock awards starting with a hiring bonus - fyi, each year’s award would vest over 5 years - ended 2014 with just over $10k total invested 2015: - continued ESPP and 401k in 2015 - ended 2014 with just over $32k invested 2016: - continued ESPP and 401k in 2016 - ended 2016 with just over $76k invested 2017: - continued ESPP and 401k in 2017 PLUS also started investing in some index funds and sector ETFs too - ended 2017 with just over $147k invested Summary So I had surpassed $100k invested from early 2014 to some time in 2017. Additional Info: 2017 was also the first year that I had started to increase my % contributions until I had slowly maxed out EVERYTHING by end of 2019. And then 2020 was the first full year that I had it all maxed out. Things I maxed out: - 401k pretax - 401k after tax, with in plan Roth conversions - IRA (started with Roth but recharacterized to Traditional after surpassing income limit) - HSA - ESPP I also continued to receive annual stock awards of company shares each year + additional shares from special stock awards as well. … a few more answers: - How old were you? 40 years old - Did you start from $0? Almost. I had $1k from my previous job that I rolled over into my new 401k. - Did you get any help from family / inheritance? No help from family, no inheritance. My wife and I actually are the ones who’ve helped family over decades, including siblings and still help our parents financially. - How much did you save each year? See above breakdown. - What did you invest in? The 401k was just in a target date fund at the time. Later in 2021-2022, I redirected new 401k contributions into a more aggressive fund. The company stock was just my employer’s shares obviously. The index funds and sector ETFs I started with were: - total stock market (FZROX) - healthcare (FHLC) - tech (ONEQ)
TL;DR: Reached $100k invested within 3-4 years Here’s the breakdown: ### 2014: - started new job with only $1k in a 401k from my previous job. - low % contributions into my new job’s 401k (vested immediately), - company stock ESPP (purchased quarterly with discount) - also got annual stock awards starting with a hiring bonus - each year’s award would vest over 5 years) - ended 2014 with just over $10k total invested ### 2015: - continued ESPP and 401k in 2015 - ended 2014 with just over $32k invested ### 2016: - continued ESPP and 401k in 2016 - ended 2016 with just over $76k invested ### 2017: - continued ESPP and 401k in 2017 PLUS also started investing in some index funds and sector ETFs too - ended 2017 with just over $147k invested ### Summary So I had surpassed $100k invested from early 2014 to some time in 2017. ### Additional Info; 2017 was also the first year that I had started to increase my % contributions until I had slowly maxed out EVERYTHING by end of 2019. And then 2020 was the first full year that I had it all maxed out. Things I maxed out: - 401k pretax - 401k after tax, with in plan Roth conversions - IRA (started with Roth but recharacterized to Traditional after surpassing income limit) - HSA - ESPP I also continued to receive annual stock awards of company shares each year + additional shares from special stock awards as well. … a few more answers: - How old were you? 40 years old - Did you start from $0? Almost. I had $1k from my previous job that I rolled over into my new 401k. - Did you get any help from family / inheritance? No help from family, no inheritance. My wife and I actually are the ones who’ve helped family over decades, including siblings and still help our parents financially. - How much did you save each year? See above breakdown. - What did you invest in? The 401k was just in a target date fund at the time. Later in 2021-2022, I redirected new 401k contributions into a more aggressive fund. The company stock was just my employer’s shares obviously. The index funds and sector ETFs I started with were: - total stock market (FZROX) - healthcare (FHLC) - tech (ONEQ)
NVDA, AMD, SOXX - Semiconductors power all tech and AI LIT, TSLA, ARKQ - Autonomous technology, replace factory workers, everything needs batteries MSFT, GOOG - The best AI companies will win ARKG - Machine Learning + Genetic revolution FHLC - healthcare to outperform over the next decade with increased longevity & silver tsunami 🌊
Little late reply. You could just hold FHLC and basically hold all 3 of those tickets under one with cheaper fees. Just a thought
I haven't looked totally under the hood for specifics, but at first glance IVW is something of a compromise between IVV and QQQ, tho it leans closer to IVV. Seems like you could accomplish the same goal just balancing percentages between QQQ and IVV. Not a big deal, but just make sure your "healthy mix" weights things how you want. As for health care and financials, the less hands on you want to be, the less I like these, especially financials. If they are under 5% of the mix though I guess that doesn't matter much. These five things are a perfectly valid portfolio for someone who doesn't monitor every day but does pay attention. If you want to similfy it in your head further, think of IVV as your basic holding and you want to go heavier on tech, health care and financials via QQQ, FNLC and FHLC. As time goes on, adjust the weighting as you see fit.
Hello! I know these posts pop up all the time and I’m hoping this is a simple one. Thanks in advance for your input. I have ~$10k to invest. I’m about 30 years from retirement (hopefully earlier lol). Overall I’m behind in my investment strategy so trying to play catch up. - I’m in my mid 30s, make ~$180k/yr, and have 2 kids -I’m maxing out my 401k -I’ll be maxing out IRA - I worked with a FP to make sure I’m on target for my goals with 529 contributions -I’ll be opening an HSA and working to max out contributions -I have $5k in brokerage accounts currently - I have 2 cars but only 1 car payment with about $8k left and 2.9% interest - Mortgage is ~$1700 and I have 18 years left. I refinanced during the peak period in COVID so have a great rate I don’t want to have to manage my portfolio on a daily basis. I’d prefer something “set and forget” so I was planning on one of two things: - Investing in market index stocks OR -Opening a robo advisor account like Fidelity Go If I invest in market index stocks, what’s a healthy mix? I currently have positions in IVV, IVW, QQQ and a few fidelity stocks like FNCL, and FHLC. I want a healthy mix and IVV, IVW, and especially QQQ is very US/tech focused so I’m not sure if there is something more balanced I should consider to supplement or if folks have recommendations on specific stocks and percentages. I’m planning on investing about $2k/mo over the next 5 months. Does this seem to make sense or are there other places I should be putting the money? Thanks!
42 year old male. I have both a 401K and Roth IRA that I’m maxing out. I am looking at investing into healthcare and Fidelity has an ETF called FHLC. Anyone familiar and is it a good fund?
29 - all of my life savings have just been sitting in a functionally zero-interest savings account until about a month and a half ago lol. Looking at ETFs over individual stocks so I don't need to monitor my portfolio as much until retirement in \~35 years. This is my first pass at a composition that balances some growth sectors with broader market picks: 5% ICLN 5% SMH 10% FHLC 5% SPGP 30% FXAIX 15% VTI 15% SCHD 15% JEPI
Flu season is here. Medical ETFs, FHLC and IXJ.
I have FHLC and IXJ myself.
Qqq is your standard tech etf and when it comes to healthcare ones, every breaker has their own For ex. Fidelity’s main HC one is $FHLC
I personally do a lot of funds because I can get more diversified without taking huge losses in a market slow down. With that here is what I have. **$SCHD** \- a long time reddit favorite especially among r/dividends. Good growth good dividends. Lower barrier of entry as shares fluctuate between 70-80 per share. (3.27% yield) **$XLF** \- not the best at returns and has a moderate dividend (1.97%), and is pure financial sector. This is heavily dependent on how banks are doing. I am buying in now while it's low and things are on the slow down with loans and mortgages. This one is kind of a gamble to see what happens. If the world can get it's inflation under control this is something I can see being great in the long term. **$IXJ and $FHLC** \-- 1.27% and 1.33% yield. It's not a power play like others, but the medical field will always have a constant/consistent demand. Again this is me personally, I know there are a lot of other options out there, but I am one of those who don't have a lot left over at the end of the month to invest.
I am looking into $XLF in the next month or 2. With housing market slowing down along with car buying, bank stocks will drop. I'm looking to Q4 to hop into the financials when things stabilize. $INTC (Intel) while they are on the down turn. While I am an AMD fan and use AMD, I can see INTC learning from AMD's game plan and making adjustments. ICLN - not the best green etf, but has potential especially with Europe trying to increase their solar and wind investments. FHLC and IXJ - waiting for winter for people to get sick.
Fun fact if you ditch ARKK and buy FHLC, FTEC, and FDIS instead you'll get the same exposure for much lower fee.
So depending on your income and how much you have available I would start off with SCHD, FHLC and maybe JEPI. These have lower buy ins than VOO, QQQ, and.... well dang I cant remember the last one, but avoid reality etfs for a little bit while the housing market calms down.
I would diversify more personally. While VTI is good and we have a decent dip, you dont want to put all of your money into one spot. Personally I would add in $SCHD for long term growth (Equity ETF) , and $FHLC (Health and Biotech ETF) due to people don't know how to avoid getting sick.
FXAIX and FZROX in different accounts plus some sector index funds like FHLC and FSPGX
I get it. I saw later that you are in sector funds. I have some too - FDIS, FENY, FHLC, FIDU, FNCL, and FSTA.
I will keep my FHLC forever because healthcare will go up forever overall. New innovation all the time. People living longer and needing it for longer.
VTI, FHLC, FSTA, and KRBN kept me afloat while I made daily retarded picks that lost me money. I also (rightly) cut my Chinese exposure by 2/3, that kept me from losing more. Trading pro-tip: have an intelligently diversified portfolio that you can day-trade stupidly on top of to limit your overall losses.
I use FHLC, it holds all of these and more with an ER of .084%.
A few years ago I got deep into investing and started learning about mutual funds and ETFs. I am looking for advice as this next year I am planning to switch jobs to hopefully increase salary by 30-50% and plan to invest my proceeds. I want to understand if my approach is an ok one, or a naive one. I plan to invest some into ROTH IRA via backdoor first, as well as into my personal trading account once I hit limits. Back when a few years ago when I did deep research, I decided I wanted to stay safe and invest in solidly performing low expense ratio funds seeking long term growth as well as maintain solid value. I found FXAIX (.015% expense ratio) and FTEC (.084% expense ratio ) to be the best at the time. I've been very happy with the performance so far! In getting ready for this next year and plans to change jobs I went and did some research again and found a lot of cool looking new ETFs but many of them are so young it's hard to gauge performance. That and expense ratios were substantially higher than what my current holdings were. After doing a ton of research, I still found FXAIX and FTEC to be some of the best options to invest in (or at least thats how it seems to me), with maybe FHLC being the next best but it's performance still isn't as great. That's said, I initially wanted to diversify my holdings. But I am very much attracted to the health and performance of FXAIX and FTEC and I am considering purchasing more of both next year. Before I did I wanted an external perspective as this wont really diversify my holdings. I was curious what other like minded investors think: Should I continue to add to my current holdings? Should I change it up and do different funds? What is your advice? Are there any funds perhaps I have missed that would be solid safe long term investments? I also posted this yesterday but late in the day. Thank you to anyone who has taken the time to read this and get back to me! How old are you? What country do you live in? **30 / USA** Are you employed/making income? How much? **Employeed / $90K** What are your objectives with this money? (Buy a house? Retirement savings?) **Retirement Savings** What is your time horizon? Do you need this money next month? Next 20yrs? **30 years** What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) **Safe** What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) **currently holding $50K+ FXAIX and $60K+ FTEC** Any big debts (include interest rate) or expenses? **Mortgage 260K debt and Medical Expenses due to genetic condition that cost me up to 1K month** And any other relevant financial information will be useful to give you a proper answer: **I am looking for long term financial independence / early retire and ability to pay my medical bills without a job.**
Hello! A few years ago I got deep into investing and started learning about mutual funds and ETFs. I am looking for advice as this next year I am planning to switch jobs to hopefully increase salary by 30-50% and plan to invest my proceeds. I want to understand if my approach is an ok one, or a naive one. I plan to invest some into ROTH IRA via backdoor first, as well as into my personal trading account once I hit limits. Back when a few years ago when I did deep research, I decided I wanted to stay safe and invest in solidly performing low expense ratio funds seeking long term growth as well as maintain solid value. I found FXAIX (.015% expense ratio) and FTEC (.084% expense ratio ) to be the best at the time. I've been very happy with the performance so far! In getting ready for this next year and plans to change jobs I went and did some research again and found a lot of cool looking new ETFs but many of them are so young it's hard to gauge performance. That and expense ratios were substantially higher than what my current holdings were. After doing a ton of research, I still found FXAIX and FTEC to be some of the best options to invest in (or at least thats how it seems to me), with maybe FHLC being the next best but it's performance still isn't as great. That's said, I initially wanted to diversify my holdings. But I am very much attracted to the health and performance of FXAIX and FTEC and I am considering purchasing more of both next year. Before I did I wanted an external perspective as this wont really diversify my holdings. I was curious what other like minded investors think: Should I continue to add to my current holdings? Should I change it up and do different funds? What is your advice? Are there any funds perhaps I have missed that would be solid safe long term investments? I am posting late in the day so may re-do this post tomorrow morning as well. Thank you to anyone who has taken the time to read this and get back to me! How old are you? What country do you live in? **30 / USA** Are you employed/making income? How much? ** Employeed / $90000K** What are your objectives with this money? (Buy a house? Retirement savings?) **Retirement Savings** What is your time horizon? Do you need this money next month? Next 20yrs? **30 years** What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) **Safe** What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) **currently holding $50K+ FXAIX and $60K+ FTEC** Any big debts (include interest rate) or expenses? **Mortgage 260K debt and Medical Expenses due to genetic condition that cost me up to 1K month** And any other relevant financial information will be useful to give you a proper answer: ** I am looking for long term financial independence / early retire and ability to pay my medical bills without a job.**
Hi folks. Quick retirement goal portfolio question: Is it wrong to **exclusively** put low cost ETFs/Mutual Funds into my retirement portolio? Here is an example of the ones I'd like (some already have): FIDU(, FHLC, FTEC, FSPGX, FDIS, FALN. ​ Details: 26y/o. Employed fulltime. Projected retirement Age 65. Plan on DCA my portfolio with certain percentages in each asset.
Current situation: I'm 41 and just recently paid off my mortgage. I have zero debt and a fully funded emergency fund. I'm putting 15% in my company's 401k, and they match 9%. With my current balance and future calculations, I'm well on my way to retire very comfortably at 60, so I don't feel any need to add more. So all that being said, since I no longer have my mortgage payment, I'm wanting to take that money and do some investing. I've always wanted to have some fun investing outside of my retirement account and see how much my money can grow. I don't have a particular goal in mind. Some of it could go towards a car, maybe buy a nicer home, or I may just end up using it as an early retirement fund and retire much earlier than 60. The options are endless, really. I'll have $700 a month to invest, and this will be long term (10 years at the minimum). I'm not adverse to risk, and I want to try and maximize my returns. My only line in the sand when it comes to risk is investing heavily in single stocks. I'm not against dabbling into some stocks, but it would be a small part of my portfolio. I'm basically looking for funds that have average returns of 15% or more over the long term (preferably a fund that's been around 10 years or longer) I'm leaning towards sector ETFs, as they seem to have the highest returns. Just a quick browse at Fidelity, I'm looking at FTEC, ONEQ, and FHLC as potential investments. But I'm open to any other suggestions, even outside of ETFs.
VTI, VOOG, FHLC, MRNA, NVDA, and chill ...plus a bunch in ENVX as my Porsche convertible fund
So as an avg investor....how exactly do I measure this? I use Fidelity.... If I go to the performance tab and open my rollover IRA, I see my RoR for 1 year as 26.88%. Though I had removed some profits previously and re-invested them in a couple things so that 26.88% is lower than what it likely would have been. My Rollover IRA is in the following * 78% of account - FFNOX (%total gain 48.76%) * 7.5% of account - FBSOX (%total gain 61.90%) * 1.62% - FCOM (%total gain 35.82%) * 1.57% - FHLC (%total gain 23.39%) * 1.08% - FNBGX (%total loss 9.24%, this is a treasury bond index though) * 8.75% - FSELX (%total gain 83.63%) * 1.49% - TSLA (%total gain 78.67%) My indexes though say S&P: 30%, DJIA - 32.13%.
>September 2008 Yeah that George W Bush sure was a hard core Democrat who put FNMA and FHLC into conservatorship which is clearly SO corrupt even though he wouldn’t benefit from that in any way. And GM declaring bankruptcy obviously just lined the pockets of…nobody. But that’s beside the point!! Corrupt democrats somehow!!
99% of my portfolio is spread across some core pieces. FBSOX, FFNOX (this represents probably 75% of my portfolio) , FCOM, FHLC, FSELX. So the $1k in treasury was meant more as a small protective play. Never seen it go above $1k, so didn't know if worth leaving or moving.
All, Thoughts on having separated portfolio accounts for one being more aggressive and the other being more defensive? Any advice on my more conservative portfolio? It is small and the plan is to purchase incrementally for years. Holdings: -SCHV -FIDU -FSTA -FHLC -FUTY -VEA
healthcare stocks spook me for that exact reason. it's hard to imagine an industry that's more prone to political induced disruption. my goal for 2022 (and possibly the latter half of 2021) is to get over that fear and enter the sector, because it's just too big of a sector to ignore (and for diversification purposes, i do feel i should have at least some exposure to it) my plan is to go with a company like JNJ which has a strong over-the-counter presence in addition to their their larger scale ambitions, and then find a good ETF for the sector. (doing some googling, FHLC looks promising and well rated, but still looking into what makes sense)
FHLC is just a smaller expense ratio with some under performing stocks filtered out they both follow the exact same index. The big difference between AVUV and AVDV is one a international small cap and the other is united states small cap.
Any reason why you would pick FHLC over VHT? Looks like i will pick AVUV over ACDV
Yeah healthcare is something I want to add to my portfolio. I had a quick look in comparison between the two and there doesn't seem too much different apart from a slight difference in expense ratio/dividend payouts and a few more stocks with VHT. Why would you suggest going with FHLC over VHT?
AVDV and AVUV are better small cap ETFs. I like FHLC as a better broadmarket health care ETF.
Good post I think your guidance of sorts is good. I'm a huge fan of XLV and the big healthcare stocks (PFE, LLY, ABT, JNJ). Whatever happens, they have a massive runway ahead of them as medicine and biotech continues to race forward. XLV is my play, and I also like FHLC because it includes many small biotechs. Not absurdly overvalued as a cohort. Good hedge in case of other pandemics, health scares, god knows what. Just not discussed often enough IMO. Seen as unsexy (yes, JNJ does move rather slowly lol). CURE is there if you're feeling extra frisky
You just turned 24. I just turned 24. Idk man. Diversity is safety. It puts us more into the low risk avg return than the high risk high reward category. Then again, since we are young, we can approach our holdings like decade or more long outlooks. So if we believe in our holdings and hold, and we are right about maybe 7/10 or 6/10 of em and then more or less ten bag for us, then who knows maybe we would just be outperforming by rocking with what we got and not overtampering our portfolio at all. I have been reducing my holdings as of late and I’m tryna gauge to what degree of conviction I have for each holding and focusing on my biggest ones. I have FAAMG but I don’t have as much as I’d like to and idk when to buy more. It could be a slowly average up on the position play. Same with Blackrock BLK i am 3% rn might want a 5% or 10% sized position I want more but idek when to buy these rippers. I also wanna increase ownership in AMD nvda but don’t wanna buy at these prices want better valuation prices w less market hype priced in like how may 10ish was. I’m being patient but I do have plans to focus in on a few holdings. For funds I really like FTEC, VOO, MSOS great price rn, if KWEB bleeds more and shows a floor I will pick up, FHLC, IHI. All the things I listed I would like more ownership in and I have cash I want to employ sometime soon. When did you start investing OP? I started about a year ago when the stock market crashed. I didn’t make any killer moves but made some money and got my feet wet. Recently I have been optimistic about my future 10+ years out and a lot of that has to do with being at the cusp of finishing school and getting started w my own stock portfolio
This is for my ROTH set and forget, still experimenting, my indiv account has single stocks. 30% FZROX :Fidelity ZERO Total Market Index Fund 15% FZILX: Fidelity ZERO International Index Fund 10% FMDGX: Fidelity Mid Cap Growth Index Fund 5% FENY: Fidelity® MSCI Energy ETF 5% FHLC: Fidelity® MSCI Health Care ETF 5% FMAT: Fidelity® MSCI Materials ETF 5% FIDU: Fidelity® MSCI Industrials ETF 5% FNCL: Fidelity® MSCI Financials ETF 5% FSTA: Fidelity® MSCI Consumer Staples ETF 5% FUTY: Fidelity® MSCI Utilities ETF 5% FTEC: Fidelity® MSCI Information Tech ETF 5% FREL: Fidelity® MSCI Real Estate ETF
Not sure if my fidelity portfolio is ok as I just changed it: I have FZROX, FZILX, & a target date fund of 2065 in my Roth IRA and recently just invested in FTEC & FHLC etfs in my individual/taxable account. I plan to use the money from the etfs in 10 years or so and they’re slightly tax efficient in a taxable account. For the funds in the Roth, I leave it until I’m 60. Is my portfolio ok so far? I readjusted everything since I put the index funds in the taxable account and moved it to a retirement account and bought etfs in the taxable account
Depends on who you’re with, I know fidelity has the ability to screen by sectors so you can find etfs to fit what you want. Fidelity has an etf for most, if not all, sectors. Fidelity ones that I know off the top of my head are FUTY, FENY, FNCL, FIDU, FMAT and FHLC.
There's loads of them but ONEQ is the NASDAQ one Then FTEC FDIS FHLC FENY FREL The list goes on
I've been looking at putting a possible portfolio together with a similar thought. I haven't made it as far as percentages but overall I'm thinking (Fidelity based) Roth IRA + employer 401k VFIAX - S&P 500 index from 401k FZROX: total market index etf FDIS: consumer discretionary sector etf FTEC: technology sector etf FHLC: health care sector etf (then my fingers crossed long term growth portion) ARKF: fintech etf ARKG: genomics etf ARKQ: autonomous driving/robotics / AI
I've often been in the group where I set it and forget it when it comes to the long term investment funds. I'm in Fidelity and the long term funds I have my rollover IRA in are * FBSOX * FCOM * FFNOX * FHLC * FNBGX * FSELX For the most part, they have done well in the past 18 months and recovered well after the covid-crash in early/mid 2020. Went from 74k, down to below 50k and back up to 77k. In Q3 2020, I did trim off 10-15% on a couple of funds to pick up some TSLA just to own some post-split, and closed my position in FSDAX (aerospace fund) to reallocate into one of the others listed above (don't remember). Point is, I did trim off some profits with the intent to reposition myself into a couple other funds. I wasn't sure how often people did this kind of thing though, even if it meant moving those profits into the cash portion of the account or moving that money to invest more into one of your other funds. Every few months? Once a year? With an IRA, never? and with the market possibly on the verge of a correction, is it worth at least pulling out some of the profits (leaving the original)?
I've often been in the group where I set it and forget it when it comes to the long term investment funds. I'm in Fidelity and the long term funds I have my rollover IRA in are * FBSOX * FCOM * FFNOX * FHLC * FNBGX * FSELX For the most part, they have done well in the past 18 months and recovered well after the covid-crash in early/mid 2020. Went from 74k, down to below 50k and back up to 77k. In Q3 2020, I did trim off 10-15% on a couple of funds to pick up some TSLA just to own some post-split, and closed my position in FSDAX (aerospace fund) to reallocate into one of the others listed above (don't remember). Point is, I did trim off some profits with the intent to reposition myself into a couple other funds. I wasn't sure how often people did this kind of thing though, even if it meant moving those profits into the cash portion of the account or moving that money to invest more into one of your other funds. Every few months? Once a year? With an IRA, never?
started my roth as soon as i turned 18. 23 now and have positions mostly in Fidelity sector ETFs. FHLC, FTEC, and FDIS have preformed well for me