FOCPX
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Rolling over $10k from former Roth 401k to Roth IRA (Fidelity)... Should I go all in in BRK.B or FXAIX?
Wanting to invest $5,000 in 5 different indexes - should I do it slowly or just dump it at once?
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SpaceX has been part of FOCPX for 10 years. It's not new.
Interesting. The FOCPX one has beaten the S&P since the 80s. Most of the time…..those drawdowns in the various Very Bad Times were brutal. The SpaceX allocations in both funds is pretty small. Fidelity might have OTC access for you to buy it by itself. I wouldn’t, but you might.
SpaceX is now showing up as a Private Placement position in several Fidelity Mutual Funds.. I discovered it in FPURX today, then went looking and saw a substantial position in FOCPX. So I bought some FOCPX today to get exposure. Those Fidelity portfolios are fine by me
Your reasoning mostly makes sense, but there are a couple of hidden leaks with a fund like FOCPX. Yes, selling now means crystalizing capital gains and paying tax. But while you hold it, you're also paying a high ongoing fee and probably getting hit with sizable capital-gains distribution every year, which are taxable too. VT's lower cost and better tax efficiency mean the performance gap you'd need FOCPX to achieve just to break even after tax is pretty large and statistically unlikely over long periods. So instead of "tax now vs no tax", the real comparison is "one-time tax now + cheaper, more efficient fund forever" vs "no tax today" + higher annual drag, plus surprise tax bills from distributions. "If you don't want a big one-year hit, the middle-ground moves are: Stop investing distributions in FOCPX and route that cash to VT. Consider selling in chunks over a few years, ideally in years when your tax bracket is lower. Do a quick spreadsheet with your actual numbers; that usually makes the decision a lot clearer than arguing about "active vs passive" in the abstract.
How do I see capital gains distributions? I will compare to something like FXAIX to better understand. I'll wait for a down year and then try to sell FOCPX and exchange for FXAIX with taxes deferred
FOCPX has some significant capital gains distributions every year, which is non-trivial long-term tax drag if you hold onto it. If you have any other taxable account positions that are at a loss, you could sell those to offset FOCPX gains. Another thought, if you do any charitable giving or plan on it in the future, would be to transfer FOCPX to a "donor advised fund" account. In doing so you keep your investment value and never have to worry about the unrealized gains, and you can let the account grow indefinitely giving here and there to causes you believe in. In your donation year, if you itemize taxes and the donation is above the standard deduction, it can be an appreciable tax benefit reducing your taxable income.
AAPL since 2020, no intention of selling it. Not a stock but I owned FOCPX for close to 10 years, and only sold it in April 2025 when I decided to redo my entire portfolio with more affordable ETFs. That fund had amazing performance though, I felt conflicted selling it but the ER was ridiculously high and I wanted a new strategy.
Looked up the first ticker FOCPX... Has only yielded half the return of the SP500 over the last 5 years and a .73% management fee. I would dump that so fast.
I am 32 years old. Due to financial regulations, I was only allowed to have an archaic Merrill Lynch account. Thankfully, as of yesterday, I am able to break free and move to Fidelity. I felt very constrained at ML. Now that I am able to start fresh and actually invest a lump sum of money in fractional shares of ETFs and mutual funds, I am trying to figure out the right diversification. I plan to invest about $1,000 a month into the following: 35% into FTEC 35% into SPLG 25% into FCNTX Is that a good mix? (I am aware some of these funds will have overlap in stocks and sectors.) I also plan to contribute an extra $50–$100 a week into FCNTX. I am really looking at that one fund as something I can grow, collect residual capital gains from, and not have to think about too much. Another fund I was considering is FOCPX in lieu of FCNTX. I am also open to seeing if I am overlooking any funds in Mid Cap Growth or Small Cap Growth or a Blend. Thanks!!
>- 3.4k in my Roth IRA (Just started). Aggressively invested in a split between 6 ETF's: FBGRX, FBIOX, FOCPX, FSCSX, FSELX, and FSPTX. Would you be opposed to just investing simply in FZROX (Fidelity Zero Total Market Index Fund) instead? Do you have particular opinions in your investments rather than just buying the whole hay stack? >My main question is should I pause contribution to the Roth IRA to accelerate the home buying process? Roth IRA contributions can be withdrawn at any time for any reason without penalty, so if you really want to you can meet halfway and contribute to your Roth IRA as before and then pull out the contributions you made when you buy the house. You'll get to at least enjoy the potential growth free of tax. That being said though, you should look to reducing your general expenditure and/or increasing your income first. Make a budget, as the canned saying goes.
My NW lost 507K in 22. Stayed the course. 23 up 511k, 24 up 600K. SPY, QQQ, several aggressive mutual funds FSELK, FSCSX,FOCPX, AAPL, and then some real gambling QLD, and SPYU...some high risk but super profitable SSPY LEAPS. I have been burned on individual stocks, as just one stock tanks it could take your earnings out.
Those sound like different time periods. 10k invested is what you want since it includes dividends. But Nasdaq-100 is a price index and doesn't have any dividends by default so even a growth of 10k may not include them. https://stockcharts.com/freecharts/perf.php?QQQ,FOCPX
What's the best tool for comparing mutual fund performance to an index? I compared a chart from google showing NASDAQ +124% vs FOCPX +77% and a chart from Fidelity showing NASDAQ +18.81% vs FOCPX +20.18%. They were both charts showing $10k invested over the past 5 years.
How do you all trade Utility stocks? Hold forever and buy dips or sell at peaks? I bought NEE and XLU last October and am sitting at 50% profit and unsure if I should keep riding them long or sell and put profits in my definite long term holds VTI/FOCPX
This is awesome. Being 20 you have so much time for the money to grow. I recommend having a main portfolio, where you pick an asset allocation (something like 80/20 Total Market/International, or if you want to lean large cap 40/40/20 Total Market/S&P 500/International) and then a side portfolio where you can make individual picks. In the long run, it’s very hard to beat the market. The reason for international is that it is a hedge against the US market. People have a lot of recency bias due to megacap stocks, but they forget that a little more than a decade ago, international beat the US for a long time. Check out FMAGX and FOCPX funds, they’re very aggressive. FIVFX for international exposure. My aggressive retirement portfolio is 40/40/20 FMAGX/FOCPX/FIVFX I also recommend putting as much as you can right now into your ROTH IRA. If you can max it out, even better. Being 20, this gives the money 40 years to grow tax free.
What investment is better than a HYSA right now? Just a personal investment account with everything in something like FOCPX?
Should of Gambled with FSELX 4-14-22 FOCPX- $16.36. FSELX- $17.28. 5-24-24 FOCPX- $21.73 FSELX- $33.69
checkout FOCPX [https://fundresearch.fidelity.com/mutual-funds/summary/316389105](https://fundresearch.fidelity.com/mutual-funds/summary/316389105)
- Consolidate. There are a lot of overlaps between ETFs/stocks/mutual funds tracking large cap/Nasdaq 100. For example, TQQQ and FOCPX could really be FNILX, *which also has zero fees.* If you insist on investing in the Nasdaq 100, look at low-fee options, like QQQM (not QQQ). - Watch the fees. This is just to reiterate my point above. QQQM’s expense ratio is 0.15% v. TQQQ’s 0.88%, for example. Fidelity’s own funds are generally cheaper, like their zero expense funds. - I’m not going to tell you to not buy individual stocks, but I’d advise buying the stock’s sector. For example, I see green stocks (CHPT & FSLR). Are there low-cost ETFs or mutual funds that you could also invest in? This protects you in case your pick goes down/sideways. Good luck! Xo. You’re a wise, young man. :)
I do about the same split. I also own some sector funds like FSELX, FBGRX, FOCPX, FSCSX, etc. Several years ago I searched the 5 year and 10 year returns and selected aggressive funds.
I have been in FOCPX for years. Its has done excellent however the expense ratio is a bit high and realizing what it costs every year I have been slowly moving to QQQ to reduce cost.
Solid for a 19 year old? Put in 4k about 5 months ago at my highest i was up $454, is it good to hold for a few years then sell? I just started putting in 10$ every week in FSELX and FOCPX . Lmk y’alls opinion. Nothing major just had money I didn’t want in savings . Also the 4k is in FSELX , FOCPX and FSPGX.
This my thoughts exactly. Everyone saw these 5% rates and missed QQQ going up 54% this year. My semiconductor fund FSELX went up 77%. Heck FSKAX went up 25%. OP- Who told you bonds were a good choice with a 30 year horizon. Just curious how you got there. The fund you mention is a great fund. I also have FXAIX, FNCMX, FSELX, FNILX, FOCPX as well as others.
FOCPX is like 65% tech btw. Also if you want the fidelity versions of VTI and VXUS, check their zero er funds. FZROX and FZILX
FCNTX FOCPX https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=6ZsWad2HJHGAWPg9io8GFk
Cut all the fat. TQQQ or FSCSX for tech. USA has a high expense ratio for no obvious benefit to just buying SPY. Keep the wife stock. Get rid of everything else. LIT has a terrible index provider. ARKQ is managed by a religious investor with a bad track record in previous funds. FOCPX seems bad but I would probably just reduce it's size if you really want to keep it at most 10%.
Fxaix, FNcmx mainly. But also FBGRX, FNILX, FOCPX, FSCSX, FSELX, FSKAK, and FSPTX. Plus 500 fund in 401k.
FOCPX's holdings are in the 30% range tech according to morningstar. Same with PBLAX. So that's 8k of your 16k, not to mention your market accounts will hold tech as well. It's just a question of what you want to do and what kind of investor you want to be. If you don't want to spend a lot of time thinking about it, and you have a long time until retirement (23 so sure), then starting to put more into VTI is a decent approach to get diversification.
Hi all, I thought I'd post since I feel like I'm pretty confused with my Roth IRA. I started adding money to it when I was 23 and didn't realize it was supposed to invest manually in things until about two years ago, I'm 28 now. Medium risk is fine, no debt, I make around 115k so retiring early could be nice but for now I'm assuming that's not going to happen. I have 4k in FOCPX 2k in FTBFX 3k in PBLAX and 4K in VTSAX. 3K unallocated. I honestly just chose these based off a few articles & guides and my personal finance app tells me I'm slightly over-concentrated on tech, but in good shape? A lot of the threads I've been reading, folks just invest in 1-2 funds, including VTI. I don't have that and was wondering if I should funnel the rest there?
FOCPX - Mutual fund. Look at the history back to the 80s. It’s awesome!
Brokerage: $5000 in FRESX (REIT) (currently down 13%) Roth IRA: $6750 in FBGRX (down 9%), $4750 in FOCPX (break even), and $7100 in SPAXX Pretty liquid right now, I've been DCAing $500 in my Roth IRA since December, and probably going to continue until the year's end unless we see a significant drop in the market. Any suggestions?
Uh huh, you put everything into FOCPX and I’ll put everything into VTSAX and we’ll see who comes out on top in 20 years.
So let’s use FOCPX as an example. You tell me what great find this is. Let’s say you told me about this fund a couple years ago. Your logic sounded good to me so I started investing heavily in FOCPX. The performance of the total market from that time until now was 5.48%. How did FOCPX do? How about -4.8%. That’s reversion to the mean.
About a decade ago, I was making more money than I expected and started a Roth IRA to do something with it all, on top of other retirement investing. Being younger and less knowledgeable (and more cocky), I went more for individual stocks rather than funds. As time has gone on (34 now), I've slowly shifted more towards funds, and am now wondering if this is a good time to take gains I've built in individuals over the years and reallocate to funds that are low currently. Again, this is Roth, so no tax worries. **Visa (V)** - up 165% ~ $5,500 owned **Energy Transfer (ET)** - up 35% ~ $2,800 owned **Kohls (KSS)** - up 10% ~ $2,300 owned **Fidelity OTC Port (FOCPX)** - already sold $5k when up about 125% to open VTI position, still have ~$4,200 up almost 500%, as my basis is basically zero. I don't particularly hate any of these positions, but feel it's a good chance to reallocate for more broad coverage. Visa is a rock star and will likely keep growing, but I also don't like having so much in one basket. ET has a decent payout, but it's oil & gas and I honestly count myself lucky to be up. Kohl's had been almost double this so I'm hesitant to sell now when it's so low, especially with a decent div and talks of going private at a high valuation. Still, it worries me. FOCPX has killed it for me, but it is super tech heavy (55% of the fund is it's top 10 holdings) and has a fairly high ER at 0.8%. I'm worried where such a tech heavy fund will end up, and with a basis of essentially zero, it may be time to fully sell out. I have about 13% of my portfolio foreign funds right now, so most proceeds would likely go to bumping that up to 15%, then most the rest to VTI, keeping a little cash on hand in case something pops up I want to scoop. Am I way off base here? Any thoughts, suggestions or slaps across the head would be much appreciated!
Fidelity has many funds with track records going back 30-40 years. Contrafund and FOCPX both out-performed their specific indexes. Fidelity sector funds have tripled (or more) the general market. It's true that past results are not a guarantee, but they do show that it's possible. But this is long-term (30-40 years)
Seeking advice and suggestions on an IRA rollover inheritance ($290k) I received this afternoon, but first a bit about me- I'm 49 with stay-at-home wife and two kids (5 & 16), living in Washington state with base salary of $200k and TC of $330k after benefits etc. The $290k from my late father is only the first part of the inheritance, but I unfortunately wont know what that is until I receive them, or at least, until I get a copy of the trust. But I do know it includes Life Insurance, at least two other IRAs, whatever may be in the trust, and a 15% share of an office building valued around $2.5M. Total net worth without the $290k is $682k, which includes $188k in debt that I will be paying off ASAP (with life insurance disbursement etc). A good chunk of that $682k is from $612k equity in a $1.1M home. So, if you can, disregard most of the above unless you think it matters since there are some large unknown factors... My question until the other elements are known are if I should just let the $290k sit there or if I should reallocate, and if this is the right time to do so. I recently devoured The Simple Path to Wealth among other books, threads and podcasts, and Total Index Funds make perfect sense to me. Here is how the $290k breaks down in shares: **Apple:** 736 **Boeing:** 8 **3D Systems Inc:** 20 **Ford:** 20 **Intel:** 6 **FMILX:** 676 **FOCPX:** 3000 **FSXRX:** 966 **FTANX:** 2304 **MCHP:** 1 **OAKIX:** 953 **PTTAX:** 1106 **YAFFX:** 1282 **SETTLED CASH:** $1855
I am a bot from /r/wallstreetbets. You submitted one or more banned tickers: FOCPX. Message /u/zjz if they're above 1.5 billion-ish market cap and not related to crypto/pennies/OTC.
Or maybe it's the Dunning-Krueger effect, now that I know quite a bit about investing I think I know a lot. So, stay the course? Even though these are in mutual funds that I was planning to get out of and even though I'll be exchanging FNCMX and FOCPX (my two biggest holdings) for QQQ, and FXAIX for IVV. So it's largely going to be a like to like exchange. I might lose a percent or two here if the market goes up and gain a lot if the market goes down. I could wait for the next ATH to get out per my plan. I just set up the limit orders BTW. It turns out I can't set any stops with mutual funds so I can't prevent it from being sold at a lower level than it is now, just have to watch the market. I also am 100% in growth or blend, not a single value investment and I've been thinking of having a full 50/50 growth/value mix in my investments. But you're right, with my luck, this will mark the end of the correction and we'll be off to ATHs right after I sell. Watch this space if that happens.
If you don’t plan on buying consistently I would personally do $1500 first. Keep the other $1500 on the side. Then I would only buy $100-200 at a time only if the NASDAQ is down 1% or more. FOCPX tracks the NASDAQ pretty acutely. I do this often to average down. I have $16k in it now. Today, it was down over 1% so I added $100.
I have been buying weekly for years. $100 a week into FOCPX. Look at the history on it. Since 1984 it’s done incredible. This year it’s down so far because of all that is going on, but it consistently gives 15%+ gains on average per year.
We might be about to cycle out of growth. If your funds drop just keep adding no matter what you do and wait for the next growth cycle in a few years. If you want to offset losses you can try adding a value fund like FSLSX. Luckily your mutual FBGRX and FOCPX funds will offset your losses and they'll go to international/value and other assets for you some what. That is not the prime directive so I wouldn't be surprised if they go no more than 20% maximum and will still go down.
Why FOCPX? First two funds + SPY is great stuff man, keep putting money into those. Sell Tesla. Any growth is priced in * 10. You own it in at least two funds anyway. If you want to stockpick I can give you some good companies.
Can anyone tell me what I’m doing wrong or what I can do better? I’m putting another chunk into the market tomorrow and want to be wise but am generally new to investing. So far am split between the following: • FBGRX • FNCMX • FOCPX • SPY • TSLA What should I change? What next?
Check out FOCPX and it’s holdings. I have been in it for years. The returns since 1984 are incredible.
I'm 37 and and am a late bloomer. I wish I had been taught to invest earlier, but here I am. I'm hoping it's not too late. In any event, I'm looking for help with mutual funds. I use fidelity, and really had no idea what I was doing, so just went heavy on about 8 different mutual funds. Now I'm seeing it's probably better to go with about 3. Should I get out of a few, and dump everything into 3? This is a 15 year plan for me as I am also maxing out my roth ira contributions each year. I have some blue chip tech stocks as well, but am mainly focused on mutual funds. Here's where I am. FBALX FBGRX FOCPX FPURX FSELX FSKAX FSPGX FTENX Please don't beat me up too bad here as I am brand new.
I’d go with FOCPX or FBGRX. I invest much the same way- the vast bulk of my IRA is in target date but I supplement because 100% target date investing is way too conservative. I’m in FOCPX and have been happy with the returns.
I keep buying FOCPX. Not much else to do, though I'll start loading up my savings account if I do decide to get my own place.