FREL
Fidelity® MSCI Real Estate Index ETF
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Thoughts on this chatgpt generated portfolio? looking for a 3 year cash out. $800/wk investment. Thoughts on this portfolio? I am really concerned about using chatgpt and lately it has shown a lot of issues with the information its provided. FXAIX - 40% FISVX - 10% FTIHX - 15% FREL - 5% SMH - 5% IBIT - 5% FDRXX - 20%
Welcome to the world of investing, while you are young and have time to make mistakes and grow I would strongly encourage you first to have an emergency fund in case anything goes back or unexpected bills appear. Next consider a few things, what is your time horizon? how aggressive do you want to be? How much risk do you want to take? From there I would highly encourage a satellite approach to build you a strong base. Something like 60% of your portfolio divided between ETFs (exchange traded Funds) these are like baskets of a variety of stocks. Consider something like Spy or QQQ as 30% of that 60% 15% in a large cap like SCHG 10% in a reit (real estate investment trust) ETF like FREL and 5% in an alternative income fund, something to generate income, currently many consider SPYI as a decent fund that has tax advantages for this but explore what would work for you after that invest your other 40% into things that you know, understand or are good at please try to avoid the concept of yield traps: 60% satellite Spy or QQQ 30% Schg 15% Frel 10% Spyi 5% Remaining 40% individual stocks you believe in and understand (try to avoid having any of those individual stocks over 6% of your portfolio) This is a blueprint and may not fit perfectly for your goals but it's something to consider. If that seems too complex just putting all your money in the SPY or VOO general out performs and get a market return for little effort. You will make mistakes while investing, it's inevitable but the point of the satellite is to protect you some so you don't start from ground zero. Take your time and slowly add money to your positions, set your stuff to reinvest the dividends and don't panic for drops in your stuff. Go to company websites and research what happened don't trust YouTube or Redditors or financial gurus for advice. You determine if what happened would cause you to leave a stock. Best of luck on your investment journey take care!
Semiconductors are cyclical. Look at MU from 2014-2016, went down 75%, I know because I was in it. PE was skyrocketing even as the share price fell. People are making a huge mistake here thinking semis only go up. OP, you’ve been lucky, congratulations. My advice. GTFO now. Diversify broadly. The stocks you are in are wildly expensive relative to everything else you are not in. Buy VOO, VEU, VXF, FREL, AGG, and rebalance that thing at least quarterly.
Office REITs seem like the only one people point to as bad buys. It looks like they make up about 4% of FREL by weight. Are there other sectors significantly bigger than office REITs to avoid? Stock picking to protect 0.2% of my portfolio (that's two figures!) sounds unconventional.
I can't speak for properties, but for ETFs there are a few really good choices. - VNQ (Older and trustworthy) - FREL (Lowest expense ratio) - XLRE (Best performance since 2016)
Put that 100k in a high yield savings account. Capital One has 3.5% yield right now you can open it instantly with no catch. Other financial companies probably have even higher for some catches. Sit it there and it earns you money every day paid monthly to use on the rest of this stuff until you pull the trigger on a decision. Then make sure you contribute the maximum allowed amount to a Roth IRA. You can even put this same stuff in it if you want. Paying every month buy some bond etfs: - VGSH (Short Government) - VGIT (Intermediate Government) - VGLT (Long Term Government) - SPIB (Intermediate Corporate) - SPHY (High Yield Corporate) Paying every 3 months buy some dividend focused ETFs - SCHD / VYM (US Dividend) - VYMI (Intl Dividend) - Sector ETFs in Energy, Utilities, Real Estate (FENY FUTY FREL) all pay higher dividends than other sectors. Feel free to research all of these recommendations or find peers that you think are better. All of these things will generate extra taxable income but you’re going to reinvest it all and continue to build wealth. Helps a lot long term. That’s my advice, best of luck on your financial journey. You have a very good start compared to many others.
Rare art and farming are underrated investments, but hard to get into. There was a platform to help make it easier, Yieldstreet, but they were found to be a scam. ​ Real Estate can be invested into on the stock market via REIT companies or REIT ETFs. Best practice is to invest into them in a Retirement account (401k, 403B, Roth IRA, or Traditional IRA) for tax protection. The most popular REIT is "O". The most popular REIT ETFs are VNQ, XLRE, FREL, and SCHH.
Unneeded complication and too much overlapping. Here is a more effective allocation for a Fidelity 401k if they allow it: FZROX 60% FTIHX 30% FREL 10% This allocation will keep your expense ratio as low as possible and will be far more effective.
If you really want exposure to real estate I would look at REITs or, even better imo, a REIT index. USRT, SCHH, and FREL all come to mind as low cost options that might be worth looking into. Personally I don't go for REITs as they don't generally perform as well as something like VTI and their dividends are taxed as ordinary income. They are also fairly highly correlated to the stock market so you don't really get much asset class diversification. If I was 19 again I would open a Roth IRA at a major brokerage like Fidelity, Schwab, or TD Ameritrade and look into things like VTI or VOO. That's what I did when I was ~19, and 20+ years later I have no regrets.
ONEQ. ​ Honestly, not just ONEQ, but DGRO, FDIS, FMAT, FIDU, FREL, ITOT and IXUS. Diversify, always, but if I were forced to pick one ETF, it would be DGRO.
VOO at 50% VXUS at 20% QQQM at 20% VNQ at 10% A cheaper allocation with similar exposure is: - VOO at 50% - VXUS at 20% - FTEC at 20% - FREL at 10%
Fidelity. You can invest in Fidelity Index mutual funds, all kinds of ETFs, and with all types of accounts. Examples: 401k, Roth IRA, HSA, or regular taxable brokerage account. I highly advise on starting with a Roth IRA if you earn less than $129k per year. Invest 80% into FSKAX (Total USA fund) and 20% into FREL (real estate etf).
I like VNQ, FREL, or XLRE for those under 50 years old and in a tax protected retirement account (401k, 403B, IRA, and HSA). Unfortunate that the dividends are taxed as normal income. Thus they are not good for a regular taxable brokerage account.
Look into XLRE or FREL. VNQ may get mentioned, but has been outmatched by the previous 2 mentioned since 2016.
No, just don't make a REIT ETF more than 20% of your retirement account. Also due to taxes around REIT, only use them in retirement tax protected accounts. The best REIT ETFs are: - XLRE - FREL - VNQ
Only sell if you have a few years to retiree, less than 5 years. Otherwise hold buy cheaper Index mutual funds or index ETFs. There have been numerous studies on this. Even better reason to "hold and buy the dip" is to buy cheaper shares for dividends if you have more than 5 years to retiree. Those invested into SCHD, DGRO, XLRE, FREL, and VNQ are increasing their dividend potential this year.
Yes they track the same index and FREL has a lower expense ratio. Share price is arbitrary; it doesn't indicate something is better or worse.
Looking for help with FREL vs VNQ. I'm looking to buy a real estate index fund and came across these two options. Both seem to be the same thing, but Fidelity's FREL is cheaper, has a lower expense ratio, and a higher yield. VNQ has more assets and a lower return, but costs more. It seems like FREL would be the better option, but VNQ is still more expensive. What am I missing here?
Hello, I just contributed $12,000 (Year 2021 &2022) to my Schwab Roth IRA account and need some insight into how to invest it. I'm 34 years old. Live in the US. Employed. Make around $40,000/year. My horizon is for 30 years. My risk tolerance is aggressive. I have $0 debt and I'm extremely good at saving money. As this is a long-term investment. I was just thinking about putting everything on the SWPPX index, which tracks the S&P 500. My other option is VOO (from Vanguard), which also tracks the S&P 500. What are your thoughts on these two? I know people usually go for a 3-way portfolio for diversification: US Stock, International Stock and Bonds. However, since the SWPPX (and VOO) is tracking the S&P 500, the money its already being diversified. Also, historically, the S&P 500 has always risen and given back an average 10% return per year. If I was to diversify I think I would go with the following ETFs: Technology: Either VGT (expense ratio 0.1%) or FTEC (expense ratio 0.08%) Growth: Either VUG (expense ratio 0.04%) or SCHG (expense ratio 0.04%) International Market: VXUS (expense ratio 0.08%) Real Estate: Either VNQ (expense ratio 0.12%) or FREL (expense ratio 0.09%) What do you guys think?
You should be fine if you have 35 years to retiree. 3/10 years the USA stock market is flat or has a loss year. 7/10 years is has average or great returns. The last 3 years we had great returns. S&P 500 had 31% in 2019, 18% in a volitile 2020, and 28% in 2021. Just learn to endure the few bad years in a decade. Now if you have 5 years to retire, it is a different story and strategy needed. Switching to fixed income is a must. FXNAX, FREL, or SPHD.
All small cap, mid cap, and international fund. For ETFs: Small/mid/international ETFs, and sector ETFs (FTEC and FREL).
VTTSX was where I had my 401k until it switched over to VILVX this year. This portfolio is just a standard brokerage account: 31% VTI, 15% AVUV, 12% QQQM, 11% VXUS, 4% FREL, 3% GLD, 11% cash, and a fun 12% TQQQ. All percentages being approximate, idk if they even add up to 100. My goal is to grow this for maybe 5 years and use it as maybe a down payment on a house, vacations, or general large life expenses.
I started investing a little over two weeks ago and learning about the workings of the market and investing in it has absolutely consumed every waking moment I've had to myself. I rapidly became absolutely obsessed. I briefly entertained a notion of being a day trader, then quickly realized you can never time the market consistently and that the intelligent and responsible path is the most boring by comparison. In my case, 70%-VTI, 20%-VEA, 5%-FREL, 5%-SCHP in a Roth IRA. But you do you! Have fun, live your life. Just don't take on more risk than you can tolerate.
I'm in the process of putting together a long term 4 fund portfolio (70%-VTI, 20%-VEA, 5%-FREL, 5%-SCHP), but I'd also like to do some small short and mid term trades just for fun with this taxable Fidelity account. Should I open a self-directed IRA for the 4 long-term funds and use the taxable account for all my other short and mid-term trades? And since the long-term funds are already in a taxable account, could I roll them into the new IRA, or would I have to sell them and re-buy them from within? Thanks in advance! Sorry I've been blowing these discussion threads up, sometimes asking very similar questions, but I'm learning a lot!
Hi all, I'm 35 and looking for something in between "early investor" and "middle aged investor" style portfolio. I have around 5k to start with and my goal is to add around $500 a month moving forward. So far, I'm thinking: 70%-VTI, 20%-VEA, 5%-FREL, and 5%-SCHP. With any luck I'm able to work until I'm in my 50s or later, so my horizon is something like 20-30 years. Any thoughts are welcome and needed. I'm new to all of this and have been fooling around for a few weeks but it's time I developed a solid portfolio plan and stuck to it going into 2022. I want as much growth as possible with as little risk as possible (obviously) and something diversified enough that it won't die during the potential chaos of the next few years. Thanks in advance, everyone!
It's not a dumb idea if it is inside an IRA. Tax protections! Also if it is 20% or less of an IRA, it is a nice allocation. Some REIT ETF recommendations: VNQ, XLRE, or FREL to check out.
Would I recommend it? Yes in an IRA. I'm heavily growth focused right now, but I plan on adding FREL when I turn 50. Currently in my late 30s. It has the lowest expense ratio and 2nd best performance. Far better than a bond fund for those looking for something conservative with decent dividends.
REITs are a great replacement for bonds under 50. Some popular REIT ETFs have produced 10%+ returns per year. Examples: XLRE, FREL, and VNQ. It may not have the extreme growth like sector ETFs or individual stocks, but they are solid and generally reliable with good dividends.
My spouse and I recently rolled over our old 401ks into an Rollover IRA. We’re both early 40s. Aggressive, since a bit behind. My allocation 65% FSKAX 95% FTIHX 2.5% FTBFX 2.5% FREL I plan to increase the bonds and REIT by a percentage every other year. I still need to focus on growth at least 10-15 years. She doesn’t want a custom plan like what I’ve done, but I can’t convince her about the high fees of Target Date Funds and now is not the time to go heavy on bonds. Are there any other Fidelity Funds, that folks recommend?
I'm a long way from retirement and not interested in generating income right now, so I'm wondering if there is any point to adding a REIT to my Roth? I currently hold no REITs in either my IRA or taxable account. I've been looking at WPC or FREL -- either an individual stock that historically has performed quite well, or Fidelity's ETF that offers more stability (and seems to consistently outperform VNQ). My thoughts are that overall maybe it's just good to have a REIT for the sake of covering that method of investing -- and by steadily reinvesting the dividends in the Roth, I'll be gradually adding more shares automatically without tax consequences so that when I'm ready for retirement, I could switch that larger investment to generate income instead. I'd value a more experienced opinion yea or nay. Is it worth it? Thanks.
Precious metals can be good for inflation crazed years, but not a steady growth strategy. Below are some Index mutual funds and ETFs with better long-term potential using a Fidelity IRA: - FSKAX (Total USA stock market fund) - FSPGX (Large cap growth) - FTIHX (International fund) - FTEC (Information Technology ETF) - FREL (Real Estate Trust ETF for retirement investing only).
Completly remove the leveraged ETFs and FREL. Leveraged ETFs are only good for day traders, and FREL (REIT ETFS) are only good for retirement accounts due to tax protections. You can replace both with SCHG. Pick ITOT or IVV. Not both due to excessive overlapping. The rest is fine.
Hi. I have 2 x UTMA’s setup for my 2 kids. Is this a good breakdown of holdings? They are 3 and 5 in age, and unless they go to a super expensive university will most likely not need it at 18-19 and possibly try to push it out as long as they are willing. FREL 10% - should I dump this into IVV? I hear real-estate holding are bad for taxes IVV 50% - S&P 500 ITOT 15% - 3200 US total market stock mix IXUS 15% - non US markets UPRO/TMF (55/45) 10% - 3x leveraged Thanks in advance.
Hi. I have UTMA’s setup for my kids. Is this a good breakdown? They are 3 and 5. FREL 10% - should I dump this into IVV? IVV 50% - S&P 500 ITOT 15% - 3200 stock mix IXUS 15% - non US markets UPRO/TMF (55/45) 10% - 3x leveraged Thanks in advance.
They follow two different indexes and I am not an expert but it looks like they restrict weighting of certain companies a bit different VNQ follows this index https://www.msci.com/documents/10199/ef194bc3-0ca0-4524-8614-6f19e8f517a3 FREL follows this https://www.msci.com/documents/10199/ef194bc3-0ca0-4524-8614-6f19e8f517a3 From a quick glance the FREL restricts the weights a bit more meaning it will be slightly less concentrated in a few big stocks vs the VNQ index.
What are some reasons people choose VNQ over FREL for REIT ETFs?
Eviction moratorium donezo. Landlords will be selling properties rather than roll the dice on losing another year of rent, and with this market that’s not a losing proposition. Property owners I know are mostly 100% or more up on what they paid. Unanimously a great time to sell. Jobs in my area cannot support this housing market and we’re already past the point of it basically being big-fast money vs. big-fast money out there. Your first time home buyer hardly stands a chance. Suddenly, supply shock, and this bloated bitch comes back to earth. Not sure how I’m gonna play it but looking at FREL (shit liquidity and spreads but if it hits that don’t matter), EXPI, OPEN, IYR, XLRE December puts. Anyone else?
FREL land reits, PKB engineering and construction, ITB home builders and supplier, RTI agriculture futures commodities. These are my climate change bets all have done well this year.
> Why FREL and not a larger dividend etf (e.g., SCHD)? I read about it the other day and was impressed with the overall impression I got while wandering around Morningstar the other day. SCHD looks good too. Let me ask you why SCHD and not FREL? [https://imgur.com/a/Nnqgztk](https://imgur.com/a/Nnqgztk)
FREL, um... wut O_o my boomer buddy is in hard on it at $29 and has been telling me I need to buy.
Why FREL and not a larger dividend etf (e.g., Schwab)?
> I have VNQ and FREL Thanks for the response.
I have VNQ and FREL, around a 50/50 split, alternatives are important for diversification however I only keep about 4-5% in it they are great for dividend income as I believe there are some solid tax benefits as well, however being not retired I keep it in my IRA for taxable reasons both have performed admirably over the years
Does it make sense to invest in VBR at this point, or has it just risen too much, too fast? I'm not sure how small cap value has performed historically during an inflationary scenario, but the current situation is somewhat unique anyway. Similarly, I've seen some crazy growth from REITs over the past few months. Both individual companies and ETFs have disconnected from what REITs have always been - relatively slow growth with high dividends. Anyone considered getting into them at this point? I had been watching WPC or FREL instead of the more common O or VNQ.
FREL is good and has low fees
Personally keep it with indexes - FREL has done me well.
I would also add FREL to this list, but it has already risen approximately 25% since January. You may have missed the boat on mortgage ETFs. But I would recommend creating REIT a watch list and looking for the next opportunity. The dividends are decent so you should be able to find some long term holds.
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
Hard to say without knowing your age and risk profile, but in general, VTI is a slightly better option than VOO/VO/VB combination. It also has real estate exposure so you can ditch FREL. VXUS has bigger range of companies for international stocks than VEU. More mid and small cap specifically. No clue on the bond fund. You’re on the right track though.
Started investing recently. I have all my money in index ETFs with the following mix 40% large cap (VOO) 10% mid cap (VO) 10% small cap (VB) 20% international (VEU) 10% corporate debt bonds (VCLT) 10% real estate (FREL) I’m following the advice from a coworker who works in Investor Relations. Y’all have any input on this advice?
Great information and makes total sense. I hold two other Fidelity funds FENY and FNCL which have been great. I’m going to look a little more into FREL.
I would stay away from mort unless you fully understand what you are getting. SRET is almost entirely mreits just be aware and a lot of them will probably drop soon. If you want growth and dividends fidelity just came out with an actively managed etf FPRO that has done really well it is only a few months old. If you want passive real estate FREL or VNQ are your best bet. If you want monthly dividends with a home construction and compliance twist check out HOMZ it has done very well.
VNQ and FREL are very diverse ones that I like
FREL looks to have very similar holdings to XLRE, so I'd say it's probably not a bad pick.
Hi and thanks in advance for any help. 19M / USA / $14,000 in savings / no debt I just put my first $500 into a Roth IRA with Fidelity. I plan on maxing out my contributions this year. My goal is to save this for retirement. My time horizon is long and my risk tolerance is somewhat high. I want to invest in ETFs, mostly equities (both US and foreign), and some bond ETFs. I would like to take advantage of Fidelity’s commission free ETFs and get some of those. Here are the ETFs I’m considering: FENU, FBND, FDHY, FDEM, FNCL, FREL, FDVV, VB, VOO Any advice on which of these I should pick for a good mix? Other ETF suggestions? Or suggestions in general? I’m very new to this, hoping to make a few solid, diverse investments to start off and learn as I go along. Also, when is a good time to buy? Should I wait for prices to dip or should I buy ASAP, assuming values will keep going up? Thanks so much!
Here's my current long-term portfolio. I've got medium/high risk tolerance in short-term trades, but I'm trying to not just concentrate on growth stocks in the long-term. I can rebalance later, but I'm looking for what I might be missing now. Maybe small cap value (VBR)? VTI 52% - VEU 10% - VUG 8% - VBK 8% - FREL 8% - VGLT 7% - SSO 4% - VCLT 3%
I have no idea how to allocate my boomerfolio. Thinking 40% BRK.B (for USA large-cap values), 30% International large-cap values, 10% emerging markets, and 10% FREL (REIT for my roth IRA). Fucking A, I'm feeling uneasy about even vanguard 500 fund right now, spy isn't looking too hot. Today was very good for my ARKK puts though. And I got some PLTR 20ps for 4/16, let's see if that works out. Still holding onto BLUE calls on the off chance it does gap up, but I'm writing that call off as a loss tbh.
Thoughts on my Roth IRA investing strategy? This year my big financial goal is to max out my Roth IRA by the end of the year. I'm about to get a raise in the next few weeks and hopefully I can start maxing it out beginning in April! I did the math so I know how much I need to contribute each paycheck and here is the breakdown: Age: 21 Platform: Fidelity General Allocation: 50% Growth, 30% Aggressive Growth, 10% REITs, 10% Cannabis ETFs Growth: FZROX, FNILX, FSMAX, FZILX Aggressive Growth: FBGRX, FLGEX REIT: VNQ, FREL Cannabis: MJ, CNBS, YOLO
There's loads of them but ONEQ is the NASDAQ one Then FTEC FDIS FHLC FENY FREL The list goes on
Question about REITs in ETFs. Beginner question fro someone who is deciding whether or not to include REIT ETFs in their Roth only or also some in their regular brokerage account also. I know REIT dividends are always taxed as ordinary dividends, as opposed to qualified dividends, and that when you sell the cost basis can be adjusted depending on depreciation of the REITs actual assets and that gets passed on to the investor and affects the capital gains the investor is taxed for. But I was asking how does this work in REIT ETFs and REITs held In ETFs. Are the distributions from these ETFs also taxed in this way? Or since it’s technically it’s own fund will it’s dividends also be taxed as qualified dividends once the time period for this has passed? Same with how the cost basis is determined (based on depreciation) when I decide to sell. Thanks for any help! Also, if you have any advice on specific REIT/real estate ETFs lemme know! (Considering FREL)
Looking to branch out into some REITs as well, thinking 5-10% and am liking either FREL or VNQ and I'm curious about your thoughts. What REITs are you invested in?