FNILX
FIDELITY ZERO LARGE CAP INDEX FUND
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When and how is Fidelity going to add SpaceX to FNILX?
Looking for some feedback on my planned portfolio as I start investing into my Roth at 35 years old
VOO (etf) vs FNILX (index fund)...which one is better for me?
FNILX vs FXAIX or any S&P500 tracker. Worth the lower expense or too much tracking risk?
What Dividend Stocks/Funds/ETFS Would You Invest in to Achieve $2,500 a Month Income?
What’s the difference between FXAIX and FNILX?
36 years old - $1.35MM Net Worth - How would you optimize my wealth?
I just turned 17 and have made around 15000 dollars working as a server. This is mostly saved. Any recommendations investing?
How does my current Roth IRA portfolio look at 20 years old?
If you had, say, $5k to invest, and you had narrowed it down to three things: two index funds [Fidelity ZERO Large Cap Index Fund (FNILX) and Vanguard Total World Stock Index Fund ETF (VT)], as well as Series I Savings Bonds, would you:
Should I do anything with my Roth IRA or do I leave it untouched?
0% Expense Ratio Mutual Funds Vs Indexed ETFs
Is ARKK a good long term investment?
Using Fidelity Zero expense ratio mutual funds as a cash like position for trading
Index/ETF investing any tips on proposed allocations?
Im 18yo and ive been researching about stocks and investing
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Times like this are uncommon. The idea that you could have put 100k into Micron or Sandisk and be near a million dollars right now is really uncommon. If it makes you feel any better index funds are generally a safe bet and FNILX is down 1.6% today. Even with the recent downward trend it's still 20% from the last year.
FXAIX is transferable - it's the Zero fund version (FNILX) that wouldn't be transferable. Roth IRA is better for mutual funds specifically (FXAIX), because if they distribute capital gains (nothing recent, but it could happen in the future), then that's a taxable event in a taxable account. ETFs are more tax efficient to put into taxable. I have FXAIX in my Roth and work retirement accounts, VOO in taxable.
Did you cherry pick the specific comparison time frame that supports your case? Looking at 2 or 3 year returns shows FNILX ahead. https://totalrealreturns.com/n/VOO,FNILX
https://portfolioslab.com/tools/stock-comparison/FNILX/VOO VOO's 5 year average CAGR is 13.49% FNLIX's 5 year average CAGR is 13.21% Even after fees, voo has been the better pick But regardless, you can't handwave the holding differences between the two and act like the 0.03% fee is a deal breaker
FNILX isn't an SPX fund and FZROX isn't a total market fund but they perform basically the same.
Very new to this too. What is the difference in what you said and opening a Fidelity cash management account and letting them automatically put the funds in SPAXXand investing the FNILX where there's a lower expense than SPY?
TLDR: VT and chill Hello, responding here because I am also unhappy that my passive funds will buy SpaceX. I have decided to not take any action regarding the SpaceX IPO, and accepting that my funds will buy it even though this IPO seems like an obvious grift. I am not trying to convince you to take action or not take action, just explaining my reasoning because this IPO has made me worry about my portfolio and maybe this will be helpful to you in your own decision. First let's understand what types of funds could be affected by the IPO: \- Total world market funds (VT and the like). These track the total world's equities market, which is roughly $154 trillion in market cap. \- Total US market funds (FSKAX, FZEROX, VTI, VTSAX, and the like). These track the total US equities market, which is roughly $77 trillion in market cap. \- S&P 500 funds (FXAIX, VOO, and the like). These track the largest 500 companies in the US by market cap, which total to about $62 trillion. Note that this is about 80% of the total market. \- S&P 100 funds / Mega cap funds (FGRTX, QQQ, and the like). These track roughly the top 100 companies in the US, totaling roughly $55 trillion. Note that this is roughly 70% of the total market, and roughly 89% of the S&P 500 \- Large cap funds (FNILX, FSPGX, and the like). These are functionally equivalent to the S&P 500 so I will not add anything here, they may be slightly larger or smaller percent of the total market than the S&P 500 depending on holdings. \- Mid cap, small cap, and international funds: unaffected The first thing you want to think about is: what are you invested in? You don't have to go super granular but most passive investors have their investments in some version of the above funds. Are you more of a total market person, or more S&P 100? It doesn't matter which one you are, but take a look at your portfolio and understand what you are invested in. Now let's assume SpaceX does IPO at $2 trillion and let's look at how the SpaceX IPO affects the broad categories: \- Total World Market Funds: 2 / 154 = 1.2% of the total world market \- Total US Market Funds: 2 / 77 = 2.6% of the total US market \- S&P 500 and other large caps: 2 / 62 = 3.2% of the S&P 500 \- S&P 100 and other mega caps: 2 / 55 = 3.6% of the S&P 100 Now let's assume that the worst case happens: SpaceX IPOs at 2 trillion, and then the price goes literally to 0. If you are mostly in total market funds, your portfolio would go down by 2.6%. If you are mostly in large cap funds, your portfolio would go down by 3.2%. If you are mostly in mega caps, your portfolio would go down by 3.6%. But let's be realistic, even with this IPO likely being an Elon grift, do we really think this is going to 0? I don't. Maybe it loses 50% of its price, maybe 80%, I don't know. But it's a real company with real revenue (though small revenue compared to its huge valuation), so it's not going to 0. I'm not going to redo all the calcs but just for example, assuming it goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by 1.6%. But here is the biggest consideration: 100% of SpaceX is not going to be publicly tradable. We don't know exactly what the percent it is going to be but likely only like 5%. This means that the indexes will only track 5% of SpaceX's market cap. So assuming SpaceX IPOs at 2 trillion and goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by (2 \* .05)/62 = .16%. To be clear, this is like a fifth of a percent, which is inconsequential, the market moves more than this on a daily basis. Another point: I don't know what is going to happen in the future: I don't know if SpaceX's price will actually shoot up for whatever reason, so as an uninformed person, I think actively shorting SpaceX is not a good idea. Remember the famous quote "the market can remain irrational longer than you can remain solvent". I am a regular person and don't have any privileged information about what is going on with SpaceX so I think shorting it would be equally risky to shorting any other company that doesn't have a high-profile controversial figurehead as Elon Musk, which is something I wouldn't do (and likely something other passive investors wouldn't do either). At the end of the day, passive investors get to benefit from all of the companies in the market without having to do the work of researching and understanding each business, and making bets about which one will go up or down. We have benefitted from all the other great businesses that have continued to skyrocket without having to use a second of time to evaluate them. If you want to take action against the SpaceX IPO that is totally ok, but you could be introducing complexity to your portfolio, and spending your valuable time thinking about how to hedge against something that will impact your portfolio less than regular daily market fluctuations. Again, not trying to convince you one way or another, and to reiterate, I am not happy that I will be buying into this IPO passively because I do think it is a grift, but by looking at the actual numbers I have decided that this is not consequential. So to summarize all of this information, even though I am more of a Fidelity stan than Vanguard, "VT and chill".
Well, then, SPYM (formerly SPLG) is the way to go for even lower expense ratio. Or in a non-taxable account, get something like Fidelity’s FNILX for 0 expense ratio (not exactly the same thing, but essentially). Also, if this is a taxable account such as brokerage, no point selling SPY to switch. Just don’t buy any additional SPY.
In that case - don't bother. It requires active management. Also - fyi - Fidelity offers zero expense funds to their customers if your goal is to reduce expense drag. It's basically a small perk to retain customers. So - something like FNILX could be potentially a better fit than FXAIX. Fidelity offers 4 different 0% expense funds. The 0% fund info can be found here - [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds)
Fidelity has their 0% fee funds. Im more knowledgeable in the securities field, but I still have 2 of those. The large cap (FNILX) and total intl funds. I'd say check out the Bogle/Vanguard subs and learn about index funds.
Don’t pay fees based on the value of your investment. Also, if you are 100% in Fidelity, just buy FNILX.
Primerica preys on the financially uneducated. Tie for first place Vanguard and Fidelity Third place is Schwab because their sweep account pays you diddly. Whereas Fidelity and Vanguard Sweep accounts pay you over 3% currently. I am a Vanguard client, not too long ago I was a Fidelity client also. Since I had been with Vanguard since 1983 with no bad things happening to me, I consolidated it all to Vanguard. If I was new, I would be all in on Fidelity because of the ZERO Fee funds, especially FNILX. You could have given FNILX your $30,000 and guess what was invested, $30,000. You invested $28,800 with Primerica.
I'm 28 years old with $51k in my 401k (9% contribution rate w/ 6% match + 3% non-elect contribution from employer), $15k in a Vanguard Mutual Fund that my grandfather started for me years ago, opened a Roth IRA 2 weeks ago (maxed out 2025 contribution) with $5k in FXAIX & $2k in FNILX, and brokerage acct with $2k in SCHD I have a good amount of extra income to invest every month and, initially, I was thinking I would just dump into SCHD so that when I'm ready to retire I have those dividends on top of my IRA and 401k. But it just hit me that I could use my brokerage acct to dump into VOO and maybe a bit in VGT and then when the time comes move everything to SCHD or something similar. Opinions?
What would be best AI company to invest in right now? Thank you all. I have never invested in just a 'company' I usually invest in like 'free large cap index funds' like FNILX. but thinking might be a good idea to invest in AI right now.
myfloridaprepaid 529 plan offers US large cap investment fund. its actually just viiix (vanguards unlicensed index for SP500, ie its version of FNILX). does slightly better than voo, requires $100M minimum on vanguard, but through the plan you no minimum
Crypto is too high of the risk and instead of investing in BDJ, I would rather do good S&P500 or FNILX type of fund if you are investing long term. You can average 12% minimum while taking similar risk. This is not an advice. You should do your own research. I believe Stock market is going to stay volatile until 2030 due to Bubble behavior, Tight money (reduced or expensive liquidity), Debt stress (corporate and consumer), and External shocks (policy, geopolitical, economical). I am going to be extremely careful and keep an eye on liquidity. Also, if liquidity is stays stable I will be keeping an eye on next big thing. I would rather not say what it is but it has started to emerge. I am also going to be keeping an eye on short term AI stock rallies. There’s going to be one later this year but I would rather not say which stocks here. But if you want to do your own research, look into AI bottlenecks and will exist even after new google product. I could go on and on about each one of these topics but I would rather encourage you to read and research. This way you will able to learn for yourself. Just so you know, I will never ever going to invest in crypto currency but I am open to blockchain related advancements that has applications in other industries.
For people starting out the Fidelity Zero Expenses Funds puts it over the top. I recommend FNILX all the time. The negative on these Zero Expense Funds, if you get mad at Fidelity, you must sell to get your money out, they are proprietary. I am Vanguard since 1983. I was a Fidelity client from 1996 to 2021 or so. moved it all to Vanguard. why? I had been with Vanguard the longest Vanguard VMFXX actually beats SPAXX, so Vanguard wins the sweep accounts contest. Schwab sweep account pays something like 0.01%. For me, it is either Fidelity or Vanguard. Fidelity has more bells and whistles and real physical offices. Vanguard NEVER asks me to talk to their advisors. Vanguard HQ Campus in Pennsylvania is the only offices site and is under high security. Fidelity has the most money under administration, Vanguard has the most money in Assets under management.
FNILX down 1.60% today. At what point should I start selling before I start loosing principal?
FZROX (Total Market): Broad U.S. exposure. FNILX (Large Cap): Similar to S&P 500. FZILX (International): Foreign developed/emerging markets. FZIPX (Extended Market): Mid/small-cap U.S. stocks.
FZROX isn't an S&P fund of any sort, it is a US total market style fund that follows a Fidelity in house designed index. FNILX is closer to S&P 500, but again, uses a Fidelity in house designed index of 500 US large caps, not the S&P 500.
it seems fine. personally i think you could save money and get zero commission ETFs like FNILX FZILXat Fidelity instead of paying expense ratios at vanguard, but to each their own
FNILX safe play Low risk - Google Medium Risk - SHOP High Risk - RZLV BBAI Navitas
Mostly yes. The committee doesn’t like volatile stocks. They also famously kept tsla out for a while even when it met all the criteria. Some others like pltr etc. and currently sofi qualifies but doesn’t have consistent enough earnings. FNILX is the closest thing to true passive large cap.
That's total US market, not world. Cap weighted S&P 500 and total US will perform similarly because of the weighting. FNILX is the zero mutual fund that resembles the S&P 500. The share prices is completely irrelevant. You can invest in partial mutual fund shares no problem at Fidelity. I would suggest investing in total US and an international fund. For Fidelity mutual funds, that's FZROX and FZILX for the zero funds or FSKAX and FTIHX for the normal (still extremely low fee) mutual funds.
If you're really into the sp500 Fido offers a zero fee sp500 equivalent as well, FNILX.
Like others have said, nobody knows. If you want a fund of just the 500-ish biggest US companies and to pay zero expense ratio, you can use FNILX or BKLC.
Fidelity's zero fee index funds like FZROX are the ultimate set it and forget it investments. FNILX gives the same exposure to large caps as FXAIX but without the fees.
For kids, I'd have my largest segment in the total market fund (FZROX). If you want to overweight large caps, add a smaller position in FNILX. The rest is just "how do you feel"? I'd probably include some international, but you don't have to. I don't think you need bonds at that age at all, but you might want some. Bottom line is, *"It don't bloody matter, within ±10%"*.
If you all your accounts are at Fidelity, then I would also reconsider holding FNILX, SPY, and VOO. Both SPY and VOO are essentially the same thing. FNILX being a large cap fund is going to be very close to them in performance. Holding all three of those doesn't really give you any extra diversification. I'd personally opt for just FNILX for a Fidelity holder. That doesn't mean selling SPY and VOO to move it to FNILX, if that would result in a tax bill. You could just contribute future contributions to FNILX.
Need advice (Fidelity Specific) Still have alot to learn about investing. I'm a new anesthesiologist with about 250K saved (150K in 401K from residency and 100K in personal stocks), no debt, high annual salary, no major expenses except rent. My personal stocks are all a mix of FNILX, FTIHX, FXAIX, FXROX, SPY, VOO. Also have about 15K in SPAXX instead of a high yield savings account. Currently set automatic 2.5K every 2 weeks to buy those stocks above. 1. Any advice on what funds I should in regularly? I want to be very aggressive 2. Is parking my money in SPAXX fine or should I get a high yield savings account? I like seeing everything in one place 3. Any other advice? I can afford to put more than 2.5K biweekly if I want to be even more aggressive
A Roth is a taxed advantaged account so yes - there you can move the positions around. All the funds you mentioned are Fidelity funds - I assume you have a Fidelity account. If so - if you plan to consolidate FXAIX and FSPGX - you may want to consolidate into FNILX which is basically a zero expense version of Fidelity's large cap index fund. FZIPX is Fidelity's zero expense version of FSKAK. See here for list of Fidelity ZERO funds - [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds) As for allocation of holding a total US market index fund and a US large cap index fund. The reason why some people may choose to hold both is to have a heavier concentration of their portfolio in large cap funds even though the funds may be similar.
I'm with fidelity and currently in FBGRX, FZROX, FZILX, and FNILX. I know Financial planning is based on goals, i plan on retiring early, how early? That remains to be seen. I put about 65-70% of what I invest into FBGRX and the rest is distributed evenly. Is there a fund or other plan I should go with?
If you use Fidelity as a brokerage and plan to stick with them I can't think of any reason not to own their 4 zero ER mutual funds - FZROX, FNILX, FZIPX and FZILX. Sure there is some redundancy but you would have covered total US, Large Cap US, Mid and Small Cap US and the rest of the world in Developed and Emerging Markets. DCA'ing into those for the young is almost stealing compared to the options available say in the early 1970s.
I got into fselx maybe 18 months ago or so. I had left my job 4/2023 and consolidated the 401k and ira. I had 66k. I broke into 100k maybe June 2024. I was up to 119k as trump took office 3/2025, dropped to 83k in May and am at 163k as of today. It is volatile but it doesn't bother me at all. I am 29 and have 31 years to go. My portfolio is 68% FSELX. Personally I can stomach it and know I am already set for retirement even if I don't keep contributing to my IRA (I will anyway). Other holdings are FNILX 10%, FSPGX 11.2%, FXAIX 7.9%, SPG (1.4% real estate). Also have a separate brokerage account thats all blue chip individual stocks for about 30k that I draw from whenever it goes above 30k for real estate related investing. NGL I am considering re-allocating FSELX to more around 50% but the key here is your time horizon. I personally can't touch the money for 30 years so doesn't really matter in the short term. I would not recommend this kind of risk if you can't stomach watching "money" disappear and re-appear in your account though like I have just in the past 12 months lol.
To be clear, I don't think you need an advisor at all. I just don't get paying someone for their expertise and then farming it out to the Internet. Since you want the internet's opinion, I would put it in the lowest-cost indexes I could find, tracking 50% S&P 500 (FNILX), 25% International Stocks (FZILX), 15% US Bonds (FXNAX), 10% TIPs (FIPDX) and then I'd rebalance periodically. I noted Fidelity funds that track those but it can be any index.
FNILX is a good fund (not that you'll really notice the difference with VOO lol)
I'd say it matters who you invest with. If you are at Fidelity, then you would be better off with FXAIX or he'll, even FNILX. What investment firm are you using?
Those are perfect, I’m doing 70% FNILX and 30% FZILX. I just prefer the S&P 500, but we’ll all end up in the same place, or very close to it.
Hey everyone! I started up a brokerage account recently (21M). Along with a Roth IRA and HYSA. I’m still very new to investing, and specifically what to invest in. My goal is to use these investments for the long term, to just build wealth to my name for years to come. Some people I know invest in higher risk holdings to hit some home runs, but I want to shoot for singles and doubles. I have kind of a rough draft allocation setup based on my ideas. I really like the zero fee Fidelity funds. I’m going to use that as my core. I know overlapping isn’t necessarily bad? But I don’t know too much about it, or the specifics on how it could hurt/harm a portfolio. I know SPYG and FNILX, but I think it should be okay? Any advice or tips on my allocation or holdings would be greatly appreciated, thanks everyone! I’m thinking 55% FNILX 20% VXUS 15% SPYG 10% FSSNX
If you plan on holding it long term and dont plan on ever leaving Fidelity, FNILX would be fine in a roth and taxable
If one has a Roth IRA or a traditional IRA then FNILX or FZROX are AMAZING options. Zero fees, cheap shares and they essentially mimic the S&P 500 (in the case of FNILX) or a total US market fund (in the case of FZROX). They aren't portable, but if one is going the long haul with Fidelity, there is literally no reason to not make those two funds your workhorses.
My FNILX in ROTH IRA since September has gone up and down. So far the return is around 3%. I plan on buying Nvidia instead and see what happens. Yes this is a long investment.
> FNILX does not track the S&P 500, it tracks a proprietary Fidelity large cap index Which is not "automatically" a bad thing! Suppose that you determine, by statistical sampling, that you can get 98.6% of the performance/behaviour of the S&P 500 by buying only 350 companies? Such an index will be "Pretty Good", and probably cheaper than buying 150 extra companies that don't contribute to the overall performance. I secretly cling to the belief that just as much can be made from knowing which companies to AVOID, as which to SELECT.
FXAIX also pays quarterly dividends. FNILX doesn't. Mostly annual, so FXAIX might be better is held in a Roth and it also earns dividends. FNILX is only annual most years.
Fidelity has FNILX, Morgan Stanley has ETLGX
You are splitting hairs over a rounding error. FXAIX charges 0.015% (about $1.50 per $10,000 invested), while FNILX is free, and the performance difference is negligible because FNILX is essentially a “store brand” S&P 500 that saves Fidelity the licensing fee. The only actual downside is that FNILX is proprietary, meaning you cannot transfer it to another broker without selling it first. Since this is a Roth IRA, selling isn’t a taxable event, but it is still a hassle if you ever leave Fidelity, so just pick one and move on.
I use FNILX. Up 140 bucks since mid August. 2.4
The longest return period for FNILX on morningstar is 5 years. The 5 year return for FNILX is 14.58% The 5 year return for FXAIX is 14.91% They both consist of almost the same investments.
FNILX does not track the S&P 500, it tracks a proprietary Fidelity large cap index. I assume it's very close, but it's not actually SPX.
FXAIX and FNILX both track the S&P 500, so before fees their performance should be almost identical, and the tiny expense ratio differences only matter very slightly over long periods. Short-term return charts can look different depending on the exact date range and whether dividends are included, which is why you’re seeing conflicting claims.
Fidelity is top notch. You deserve to enjoy some zero expense ratio Fidelity funds like FZROX and FNILX after getting scammed by EJ for a decade .
META seems like a great long term investment at the moment. I would also consider buying FNILX so that you can diversify your tech stocks. YTD META grew 6.17% and FNILX grew YTD 15.52 which is better than S&P 500 and Dow Jones. I personally don’t expect META to do any better than its competitors so it might be great idea to diversify tech stocks through FNILX just in case. FNILX is not strictly tech fund but it is heavily invested in it. On the side note, if you are planning to buy high and sell low throughout the year it might be worth it to invest in META as you can make good penny from temporary highs. I do this with Amazon all the time. As always, do your own research and go with what you think might be best.
It doesn't make sense to me, but I'm the sort of person who gets ticked off if anyone suggests touching my money, let alone me paying them to mess with it. If I were in her/your shoes I would transfer the Roth IRA to Fidelity, replace GFFFX with GARP (better performance, lower expenses) and NFFFX with a combination of VYMI and either FXAIX, FNILX, or SPYM. Of course, I don't know what the current allocation is in your daughter's portfolio, but here's a quick backtest to show what it might look like when compared to GARP + VYMI + FXAIX -- and this doesn't even take into account the AUM fee being siphoned out of your daughter's money. [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1NPb1B2eUs5EdCQZx0bwIm](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1NPb1B2eUs5EdCQZx0bwIm)
If you dont plan on leaving Fidelity which I would imagine most wouldnt, FNILX would be perfectly fine in a taxable account. FNILX is a better choice because theres no fees.
For a 2–3 year goal, 100% in FNILX is a bad match; stocks can drop 30%+ and not recover by the time you need the car or down payment. What I’d do: park the next 12–18 months of the car money in a HYSA; put the house fund in a 3–24 month Treasury ladder at Fidelity with auto‑roll or a 12–36 month CD ladder. T‑bill interest is state‑tax free, which helps. If OP really wants some risk, cap equities at 10–20% and move that to cash 12–18 months before purchase; dividends won’t save you if the market tanks (S&P yields \~1–2%). This is what I used for my place: HYSA for near cash, then T‑bills and no‑penalty CDs so I could bail if closing came early. I’ve used Ally for HYSA and Fidelity for T‑bills; I’ve also mixed in no‑penalty CDs at Marcus, and a small MYGA via Gainbridge for a fixed 3‑year rate when I wanted to lock something in. Bottom line: for money you need in 2–3 years, use HYSA/T‑bills/CDs, not an S&P 500 fund
Well the FNILX has done nothing but go up in recent years (aside from a dip in April which rebounded by july/august), wouldn't it take a huge economic downturn to derail that steady and stable progress?
Roth, HSA, 529 are all good options. I'm currently going 50-50 in BTC and SPYM, but that's just me. Unless you want BTC exposure, then I'd recommend anything that tracks SP500 or Total Stock market or w/e. I was all in on FNILX before but wanted an ETF instead of a Fund, so I switched to SPYM. \----- If you think you'll need the money before retirement, you can invest it normally.
Drop seems inevitable and that was the part of reason why I sold off Amazon but I do not expect it to be 30%. Maybe it will go back down to upper 220s and lower 230s but at that point I might consider investing in FNILX to slightly diversify. Do you think I should stick with tech heavy funds like FNILX, maybe VOO, or look for the ones that are diversified across different industries and investment types?
I like VOO too but it is similar to FNILX so if I had to pick between two I would go with FNILX.
Lmao no way I gotta eat too. Another 10k to FNILX.
>If so, do not use FNILX. Not just because of the possible taxable gains I have FNILX for my Roth IRA and in a taxable brokerage I also have FNILX as well, but only about $140 so far. If I switch from FNILX to VOO or FXAIX in my Fidelity brokerage account (NOT MY ROTH IRA), how big of tax savings will that really make if I contribute let's say $500 a month in my brokerage?
I'm doing it now. Yesterday I sold out my dad's investments in the IRA I inherited from him, reinvested everything I could immediately, and was peeved that I had to wait for the mutual funds to trade at the end of the day to get the rest of the money. Now I'm mad that I have to wait until the markets open at 9:30 to place my dollar orders at market rate for ETFs and even more annoyed that I my largest order (FNILX -- the only mutual fund I'm buying) won't go through until tonight and I'm missing an entire day in the market with it. But maybe I'll be lucky and the market dips today and I get my FNILX at a discount tonight. Maybe I'll be unlucky and the market dips tomorrow. But this investment is for the long haul, so chances are good it will work out in the end.
I would stick with FSPGX over FNILX as it has performed a little better.
Why is the $8k in FXAIX but the $46k in VOO, which is the same index? This is inside a retirement account so the tax inefficiency of capital gains distribution of mutual funds is moot. Keep it simple. Since you want growth, skip SCHD and just stick with one growth index fund. And since you have Fidelity, consider their Zero funds instead, like FNILX or FZROX. The amount to convert depends on your taxable income. If you have plenty of room in the 12% bracket and you have time, then convert only up to the top of the bracket. If you're solidly in the 22% bracket then there's not much tax savings left so you might as well use up the 22% and 24%.
I give my friends stock tips, I do not invest any money for my friends. Tell your friend to open a brokerage account at Fidelity. They do all the work, their SSN, not yours. Invest the money in FNILX. this also sounds sort of fishy. is your friend from another country? is your friend's money made in funny ways?
I currently have a brokerage and Roth IRA open with fidelity. I’ve been investing in 4 Fund specifically in both . FNILX,FSMAX,FZILX,FZIPX. I’m doing a 80% domestic and 20% foreign split. For my domestic split in itself I put about 60% into FNILX and the rest split evenly into FSMAX and FZIPX. Is this a good split? I’ve also been thinking about putting 5% into crypto specifically bitcoin. Im 23 years old and just started a job with a salary of 54,000. I live at home and plan to go back to school again so this year is a savings year.
It's been a great performer for me. I have bought and sold some individual chip stocks along the way, but I chose the fund as my preferred method to own semis. I started in early 2022 and any time there's a significant dip, I throw a little in. The only ETF that some close is SMH, but I don't know that I can buy fractional shares in that. SMH fees are a little cheaper though. My basis in FSELX is 65% of what I have in FNILX (Which is really just an S&P fund.)
if taxable, pour money into FSPGX. Growth is better for taxable. If this is tax deferred, stick with FNILX and FZROX.
I'm going to propose a different kind of diversification, but hopefully one that will appeal to you. You have two very high expense, high turnover, actively managed funds. I would look for options that are low expense, low turnover, passively managed funds -- the kind that you can throw money at for the long term without stressing about whether one sector is doing better than another, the brilliant manager in charge of your fund has gone to a different company, etc. This is your buy and forget about it portion of your Roth. I am assuming you are a Fidelity customer or at least somewhere that you can buy Fidelity mutual funds without a fee. So, my proposals would be FNILX or FZROX -- depending on whether you want whole US market coverage or just large caps + either FSPSX or FZILX -- depending on whether you want your international holdings to be developed markets only or to include emerging markets.
Alternatively, if expense ratios bother you that much, then you could consider opening an account with Fidelity and invest in FNILX, rather than SPY or VOO. They offer a 0% expense ratio.
1. FNILX 65% 2. FZILX 25% (or substitute FSPSX if you aren't interested in emerging markets) 3. FZIPX 10%
You could split the difference and go with FNILX -- also a zero fee fund, but large cap only so it behaves more similarly to the S&P. [https://www.marketwatch.com/tools/fund-comparison?tickers=fnilx,%20fxaix&filter=returns](https://www.marketwatch.com/tools/fund-comparison?tickers=fnilx,%20fxaix&filter=returns)
Pick the one with the lowest ratio. I have SPLG in my brokerage and FXAIX/FNILX in my tax advantaged accounts.
Vanguard is fine, but for a Roth, Fidelity is a better choice. Why? Their Zero funds — NO expense ratio or other fees. You can put together a solid portfolio using FNILX, FZIPX, and FZILX, roughly 50/30/20. Yes, you have to sell positions before transferring out of Fidelity, but in a Roth there are no negative tax implications. Remember, the most important thing is not what you invest in, but that you earn, save or somehow otherwise find the money to invest. A great initial goal is to max out your Roth IRA. That’s $7K a year, just under $600 a month. Again, 95% of people spend 95% of their resources looking for the next hot stock or fund, and 5% of their efforts trying to max their contribution. Of course, it should be the other way around
Sounds like you're asking about a taxable account. If so, do not use FNILX. Not just because of the possible taxable gains, but if you ever leave Fidelity, you'd have to sell to move cash. Fidelity doesn't charge to purchase VOO so there is no worry about them not having their own S&P500 ETF Also, both of those are index funds. A mutual fund or an ETF that tracks an index is an index fund.
If you're at Fidelity, look at the four "Fidelity Zero" funds, see what their investment focus is. You might get rid of one or both of the Vanguard funds. (FZROX is Total Market. I don't remember the rest, but they're named along the same lines: FZIPX, FNILX, etc.)
Both are actually index funds. FNILX is an index mutual fund, VOO is an index exchange traded fund. VOO is the S&P 500. FNILX is technically not, but should generally behave very similar under normal circumstances (Tesla's delayed entry into the S&P 500 until it was worthy of a top 20 spot did result in a notable gap between them a few years ago though). >I put allllll my savings in a brokerage account Hopefully not your emergency fund or anything else you'd need in the next 5 years (at minimum). >I'm learning that index funds are "Less tax efficient...selling within the fund may trigger capital gains for all holders" an etfs are "More tax efficient uses “in-kind” creation/redemption to minimize capital gains." Mutual funds, not "index funds." However, FNILX is very tax efficient, to date they've only ever had a single capital gains distribution: in 2018. >Fidelity does not have an ETF like the VOO, but does have FXAIX and FNILX, zero cost, but they are index funds. Mutual funds, not ETFs. Fidelity is free to trade on ETFs, so there's no issue using VOO. >So how do I know if the tax efficiency is going to outweigh the expense ratio? You can't be certain. As shown above, the tax efficiency argument can be real some years (2018) and only theoretical in others (2019 through August 2025 so far). However, I'm personally more of a total market style person, and definitely be sure to have some international coverage as well.
Could just choose a Fidelity Zero mutual fund like FNILX. Or BKLC if you need an ETF.
Not sure if this is right place to put this. I'm finally starting out investing and using retirement accounts. I've done a bunch of research. I've got about a 32 year time horizon. I've never really asked for advice about this stuff. Here is my allocation: Roth IRA (represents 40% of my total portfolio): 35% FNILX (broad large cap) 30% XMMO (mid cap momentum, overweighted here because I can't get this in my other accounts) 15% AVUV (small cap value) 15% FZILX (broad international, developed and emerging) 5% AVDV (international small cap value) Roth 403b (represents 20% of my total portfolio): 65% VIIIX (S&P index) 15% DFFVX (small cap value) 20% VTSNX (broad international, developed and emerging) Roth 401k (represents 40% of my total portfolio): 65% SWPPX (S&P index) 15% DFFVX (small cap value) 10% SWISX (broad international, developed) 10% DCEFX (broad international, emerging)
My understanding is that if you are married filing separately, and either you or your husband has access to a workplace plan such as a 401(k) or 403(b), you cannot contribute directly to a Roth IRA if you make more than 10,000 per year. You should confirm that with a CPA or CFP though. However, you may be able to do a [backdoor Roth](https://www.fidelity.com/learning-center/personal-finance/backdoor-roth-ira). If it turns out you aren't actually allowed to contribute directly to a Roth, you will need to go through a process to retrieve the money and start over. Is your account at Fidelity (you mention buying a Fidelity mutual fund so that is my best guess). If so, you can make an appointment with an advisor at your local office who can walk you through anything you need to do with your account. And btw I think buying into FXAIX is a great plan :) With the rest of the 60,000, I would think about using some to pay down the car loans (depending on the interest rates), set aside more of an emergency fund, and use a bit of the leftover for a regular brokerage account. For regular brokerage accounts subject to capital gains taxes and so on, I believe it is best to have low expense, passively managed index funds. So FXAIX would be another good pick here. For my brokerage account, I have a mix of FTIHX, FNILX (only available to Fidelity customers), IUSG, and VOT. But whatever you pick, I encourage you to get in the habit of passively investing -- set up a regular direct deposit from each paycheck, or a regular fund transfer from your bank to your brokerage, for investing. I think you are doing really well to have bought a home, have significant equity, and cash savings! Don't be down on yourself, really.
S&P500 tracker, doing FNILX which doesn’t name S&P500 but should track close and zero expense, also buying FXAIX which does track it just to see how they compare QQQM- cheapest Nasdaq tracker FSPGX- large cap growth fund. Bought some when I was first deciding what to get, just leaving it and probably won’t buy more. Strategy now is to buy S&P500 when market is going up and QQQM when market is down. Idea is I think QQQM outperforms long term but downside risk is too much to be 100% in, I want more during recovery periods, less when markets are at ATHs (most of the time I know). Goal is to get historically avg S&P 500 returns and a little juice from QQQM when it’s recovering from low periods. Eventually when I’m ahead of target goals I’ll put excess $ into VTI and VXUS for more diversification.
No reason they should be different. Did you own either of those before you made those purchases, and did you buy any since? The overall % up/down on the main page of your account is an average across all your transactions. On MSFT I'm "only" up 45%, but if you look at the individual transactions, I'm up anywhere from 150% to 3%. Go to your individual account page, then clock on both VOO and FNILX, and look at the individual transactions and their dates.
So this sparks a question I've been trying to research for myself with little luck on the right answer. in mid January I bought some VOO ($315.93 a share) and some FNILX ($21.19 a share) from what I could see they both for the most part tracked the same stocks. Today VOO is at $585.58 a 13.47% increase FNILX is at $22.82 a 7.69% increase Using this site it says they are neck and neck with FNILX slightly in the lead. [https://portfolioslab.com/tools/stock-comparison/FNILX/VOO](https://portfolioslab.com/tools/stock-comparison/FNILX/VOO) I can't figure out how. It doesn't seem FNILX had a big run the 2 weeks prior to me buying but in my portfolio VOO is up substantial more. What am I missing? Is FNILX lagging because its only for Fidelity account holders???? Trying to decide which I want to hold long term and even with fees VOO seems to be better.
Yes. Dividend equally in FAGIX. FDGFX FGRTX. FMAGX. FNILX. FULVX I own all and have nice gains. You will too. Buy and forget
Mutual Funds it is for most busy people. FNILX, FZROX from Fidelity - 0% fee indexed stock funds. If you're absolutely in love with ETFs, BKLC from BNY, also 0% fee.
I’m not sure what 200SMA is but wonder if there is something to shifting between funds that track the same index. I dug into FNILX because it’s a zero fee fund but doesn’t actually name S&P500. I checked it against FXAIX and VOO and over various periods they do pretty much track each other. I notice day to day though there is a decent amount of variance. Considering history indicates they will finish within like less than .1%, theoretically you could shift back and forth buying up the underperformer and boost returns a bit. Guessing very small boost though and the transaction time leading to time out of market would more than offset the gains in the long run.
Fidelity SPAXX 1 yr return = 4.31%, current 7 day return 3.99%, expenses 0.42% Vanguard VMFXX, 1 yr return = 4.68%, 7 day yield 4.21%, expenses 0.11% I say use Fidelity for investing in FNILX the Fidelity Zero Expense Fund All my money is at Vanguard. I have quite a bit in VMFXX
I’m 16, U.S, part time employed part time student. Want to take advantage of compounding interest in Roth IRA, can max it every year. High risk tolerance and can rebalance later in life. Should I go higher risk like FTEC? Or just simple s&p 500 like FNILX (0 expense ratio w/fidelity).
All you need it FNILX and FZILX.
I'm late to investing. 40, USA. I finally paid off my high interest debt and have some income stability and I'm planning on retiring at 72. I was thinking of allocating my Roth IRA thusly: 65% FNILX (US large cap blend) 15% AVUV (US small cap value) 15% FZILX (International large cap blend) 5% AVDV (International mid/small cap value)
FNILX can only owned at Fidelity. If you want to move the funds, you must sell them creating a tax event. Honestly chasing less fees when they are almost free....
FNILX is not transferrable to other brokerages so you'd have to liquidate if you moved to Vanguard or another firm (not an issue in an IRA but could be a huge tax hit if in a taxable account). FXAIX is 0.015% fee, which is ridiculously cheap ($1.50 per $10k invested). I'd just go with that
There's barely any difference in the performance of SPY and VTI because tech moves the whole market, FNILX having a few differences from SPY isn't noticable.
FNILX typically outperforms FXAIX ever-so-slightly, and when I compare their holdings I see slightly heavier weight for FZILX in the top holdings like MSFT and NVDA. The 3 year sharpe ratio is also higher on FZILX. FZILX is not advertised as an S&P500 index, but it sure comes close and performs a little better. At zero expense, it sounds like a winner.
But FNILX seems like the same at zero. Ik it’s very small but if they are matching performance I’ll take the free money lol
FNILX is probably my favorite. Pretty much tracks S&P500 but in Fidelity account 0% expense ratio.
I ate a $10k loss on FNILX positions. Sold 2 days before the "good time to buy" tweet. So it goes.
Best is very subjective and, in many cases, negligable for most investors. It depends on what you need from the fund. There is no ticker that goes by SDPR for an S&P 500 fund. Are you asking about SPY? Or maybe SPLG? SPLG is 0.02% - SPY is 0.09. - VOO is 0.03 - IVV is 0.03 There are also lots of low expense mutual funds that track the S&P 500 index. SWPPX is 0.02% Fidelity has a fund that technically is not using the S&P 500 index but is a decent large cap index - FNILX has a 0.00% expense ratio.