FSELX
Fidelity Select Semiconductors Portfolio
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Why shouldn’t I go all in on one fund in my retirement accounts? FSELX
Early 40's, Recent Windfall, heavy on annuities - Looking for advice on the below
Thoughts on this Breakout of Fidelity funds? - Goal is fairly aggressive growth
Thoughts on this Breakout of Fidelity funds? - Goal is fairly aggressive growth
Portfolio choices for taxable account for growth and minimize taxes?
Up %400 in Nvidia in Roth IRA keep riding or semi ETF?
Thinking of swapping a mutual fund for its ETF equivalent (in IRA), lower fees, better long term return
Clarifying questions from a new investor looking to get started intelligently
Mentions
I also think this is a good start. Consider FSELX. It’s my biggest winner by far in 25 years in the ETF/mutual fund category.
As a fellow Turkish friend, I want to share my personal experience from this year when I bought a house. I purchased a home with a 3% down payment, which is very low. People usually recommend putting at least 20% down to avoid PMI, but my mortgage rate was 6.75% at the time. Now I’m about to refinance and lower the rate to 5.75%. I would still suggest buying a house and not being afraid of the housing market—rates are dropping. Of course, this only makes sense if the housing market is affordable in the state where you live. California and Massachusetts were far too expensive for me, so I had to move out of those states. Because of that, I chose to put the minimum down payment and invest the rest of my money in ETFs like FXAIX, FSPSX, FSELX, and REMX. They performed really well last year. I didn’t want to lock all my money into housing, but this really depends on the person. Some people feel more comfortable with lower housing payments and don’t care much about investing because it doesn’t feel safe to them. And if your parents does not spend their rent and pension from Turkiye, then make them put the money in Faiz Korumali Hesap. It still performs relatively when even when you consider USD/TL movements. It is relatively safe and will pay so much better than HYSA accounts here. My suggestion is to divide the money, and find a healthy spot with mortgage payments you are comfortable with and invest the rest of the money. Kolay gelsin
Smh in taxable, FSELX in tax free
No. I sold one of my ETF's last Friday that had a solid gain so I could buy a few individual stocks. Would like more growth in my roth. Went with Google, Netflix and TSMC. The rest of my port is split out between Voo, VXUS and FSELX
The key question isn’t whether semiconductors and AI will matter long term — they almost certainly will — but whether **today’s prices already assume that success**. Many industries that changed the world still delivered poor returns when investors extrapolated recent outperformance. FSELX outperforming is a signal to *examine concentration and expectations*, not automatically increase exposure. The risk here isn’t “AI goes away” — it’s **great businesses meeting already-great expectations**.
FSELX is actively managed, and well. Quick Shifts in market sentiment can hit the fund like a ton of bricks, but longer term shifts will be accounted for in its holdings.
If your comfortable with the drawdowns when this so called AI bubble pops and you plan long term horizons then FSELX but why not VVSM for your semiconductor portfolio as it reduced its reliance on Mega Caps (Nvida) and has a better risk tolerance.
A concentrated bet like 50% in FSELX can swing wildly, so many experenced investors balance that kind of high‑growth exposure with broad indx funds (like total‑market or S&P 500) for the remaining chunks to keep long‑term risk in check while still captring tech upside.
Yeah I mean that's what everyone keeps telling me, but the fund has averaged like 30% for the last 30 years lol. That is why I would like the other 50% of the Roth to be hedged against the FSELX though I do like the idea of keeping the 401k in the target date retirement too though
> and do heavily believe that Al and correspondingly semiconductors are going to continue to boom for the foreseeable long term future. What is this belief based on? If it’s not data-backed, stop. If it is data-backed, what do you know that the rest of the market doesn’t? > want to keep about 50% in FSELX How would you respond if this fund lost +70% of its value? > I'm not looking for financial advice just some thoughts on what some experienced investors would do so that I can look into those funds. An experienced investor wouldn’t put 50% of their portfolio into one particular sector (tech) much less a subcategory of that sector (semiconductors)
IMO makes no sense to hold both VTI and VOO. Also makes no sense to hold something like FSELX with capital gains distributions when you can find a tax-efficient ETF with very similar performance. Is there a reason why you want a growth tilt right now? Knowing that "growth" doesn't mean that it will literally have more investment appreciation. Why are you overweight US equities? (Versus the total world market cap). Have you considered asset classes beyond just stocks and bonds?
MSFT is kind of obvious. As for a sector fund...FSELX. Altria would have been an excellent pick outside of the tech sector.
Buy a semiconductor fund like FSELX.
I was hit hard by the tech layoffs for a few years, so my buying power was super fucked. But I have 8,000 shares so i’m ultimately okay. I am pissed at myself for not liquidating at least my $Meta or $FSELX stock in 2022-2023 or even April’24 to get to 10,000 shares, which was ultimately my goal. The irony is i’ve spent more money on my recent 3,000 shares that my original 5,000 shares (prior to Aug’24 breakout) This is my favorite comment from u/EarlyYouth8418, it’s when RKLB first hit $50 for the first time back in July’25. I fundamentally believe we cant comprehend how big this stock will be in 10 years. It’s already so different from when I started investing in it 5 years ago. https://preview.redd.it/7z5ga0ow0tag1.jpeg?width=1320&format=pjpg&auto=webp&s=847b24dc3d982730ce4973880106160d4d8ebeeb
Same, 26%. No buffoonery. VOO, QQQ, VLCAX, PRCOX, FSELX.
19% up this year in early leanFIRE, while holding about 20% in bond and money market funds (so a little stock heavy for a semi-retired person), and that's after withdrawals of about 2% for living expenses. Mostly in VPMAX, VGHAX and VGT/FTEC with a smattering of FSELX, COST, REGN and AAPL. I've been investing since 1996, averaging 10-11% over the past three decades, and averaging 10.2% over the past 10 years as my portfolio gradually shifted to be more conservative.
FSELX is Fidelities best performing fund
19% up this year in early leanFIRE, while holding about 20% in bond and money market funds (so a little stock heavy for a semi-retired person), including withdrawals of $23,500 for living expenses. Mostly in VPMAX, VGHAX and VGT/FTEC with a smattering of FSELX, COST, REGN and AAPL. I've been investing since 1996, averaging 10-11% over the past three decades, and averaging 10.2% over the past 10 years as my portfolio gradually shifted to be more conservative.
I'm really surprised no one has mentioned FSELX. It's Fidelity's semiconductor ETF. It holds all the big names in AI and has incredible growth over the last 5 years. I'm holding it longterm. I buy it in my Roth IRA and it's my all-time top performer. With that said, FSELX is heavily weighted in NVDA and will be a direct casualty of the "AI bubble" popping *if* it ever does.
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.
FSELX and FBMPX are my two favorites. Semi conductors for fselx and Goolge n friends for fbmpx
5 stocks and 4 MF or ETFs My choices are FBCG,FSDAX, FXIAX,FSELX. Stocks, RKLB,ASTS, PL, LUNR,NBIS
Why decide between the three? Just buy an index that contains them all and gain some diversification in the process. If determined to go all in on tech, consider FSELX via Fidelity. As it stands an S&P 500 index fund is probably about 25 to 30 percent those companies anyway.
I've been in FSELX 4 1/2 years and it is a little painful in the down cycle. But its a beast..up 115%. Its weighted a bit heavy NVDA which has worked well in that time period. It is managed but it hasn't changed much over the years. Have been disappointed AMD hasn't been added and NXP remains a top 5 holding..which is a laggard. I guess its more stable that way. It has become roughly 25% of my portfolio due to its rapid growth and has outperformed by a long shot. We dont know the future but pretty sure this sector will remain robust and adapt as needed over the long haul. Smh is is an excellent etf and has performed about the same. FSELX has 6.37 div yield .62 expense ratio/ SMH .30 div .35 exp raio. They're literally a toss up in my opinion.
This is why I prefer the **Set it and Forget it** investing strategy. I don't look at my portfolio every day. I definitely don't look every day during down turns. The only time I sell is to rebalance or move gains to cash. How much was your portfolio up YTD and long term prior to the $35K drop? How much were your tech positions up YTD and long term. Investors have to look at the big picture. FSELX is one of my holdings I first bought in 2015. A $10k investing would now be valued at $135k. That includes a loss of 35% in 2022. Don't buy individual stocks. Buy mutual funds or ETFs.
It's not a stock. I would consider FSELX, SMH or SOXX
The answer is not to pull your investments, it’s to keep it balanced and diversify. If you have too much tech, then consider a positions of VTV and AVUV to offset. Got a huge of SMH or FSELX? Consider SOXQ instead for less Nvidia concentration. Consider a dry powder position with JPST, and have it ready to buy more equity shares if the market drops.
>Example 2: Good query: "given the performance of FSELX over the past 24 months and an expectation of continued 20% returns going forward the next 5 years, and given a dollar/cost average of 1000 dollars biweekly, what is an estimation of the total net worth of said investment after a 5 year period?". This is a math problem. You've given Gemini a set of parameters within which to perform a calculation. That's a perfectly fenced query, and your results will be accurate There's also no guarantee those types of queries will always be accurate. I don't know if you're singling out Gemini or suggesting most AI can do this, but you're wrong. And if we're going to use personal anecdotes, I can play that game too: I recently asked AI (Claude.ai which is one of the more respected models) to give me a materials list for a simple construction build of framing that was x by y length with a 16" OC on the trusses. The AI couldn't even give me an accurate count of trusses which was a simple division result! It's really unscientific and irrational for you to imply that AI can reliably give accurate results, but even you betray your own claims by adding the qualifier "given a GOOD QUERY" - which basically tosses the whole argument out the window. Just stop. Just go somewhere else. We get it. If you craft the perfect query you can get the perfect answer. That was never the topic of conversation!
You accuse me of moving goal posts and straw men while COMPLETELY ignoring the fact that I never said grounding removes all error. As a matter of fact I specifically made sure to say (on multiple occasions) that it is incumbent on the user to ensure the answer to the query is correct. I'm not sure how else to spell it out for you without using crayons. You seem to be arguing for the sake of arguing, and cherry picking things I say and ignoring others, which is bad faith. And arrogant. And haughty. All for what? Scoring e-peen points in a conversation which no one is paying attention to besides you and I lol? Let me try again, for the third time. AI has specific use cases in which one can be confident of its performance. LMM CAN be highly accurate when used appropriately for specific use cases. I'll use the market example again. Queries revolving around past market performance are not interpretive when phrased correctly. What does that mean? That means isaying "how'd the NASDAQ work out for everyone in the year 2000" is begging for a sub-optimal response from Gemini. If used in that manner, I AGREE WITH YOU that the user will more than likely open themselves up to slop. If one poses the question more like "what price were MSFT shares when the dot Com bubble burst? How did the price of MSFT change in comparison to QUAL within the 5 year period after the dot Com bubble." That query is fenced off. It has boundaries that leave very little room for Gemini to fly off the rails because the data it asks for is not gray. It is very much black and white. Example 2: Good query: "given the performance of FSELX over the past 24 months and an expectation of continued 20% returns going forward the next 5 years, and given a dollar/cost average of 1000 dollars biweekly, what is an estimation of the total net worth of said investment after a 5 year period?". This is a math problem. You've given Gemini a set of parameters within which to perform a calculation. That's a perfectly fenced query, and your results will be accurate. You can be fairly certain of it and if you are not, you can verify Gemini's answer because it will give you the formula it used to perform its calculation. Ask me how I know. Its because that is what we use it for in my use case. It has yet to fail. Do we ASSUME it will never fail? Of course not, that would be stupid, because your argument 100% has merits in that there is greater than zero chance it might hallucinate or commit an error.
> FSELX So download the Fidelity app, give them some money and start buying shares?
FSELX prints money and wont stop anytime soon
I bet people who were invested in FSELX from 1998 to 2000 were taking victory laps too. How did the next decade work out for them?
I don't get how people say this. There's a lot of easy ETFs even that outpace VTI. FSELX alone has made far more money than VTI, that didn't take a genius to pick
I have owned FSELX for about 10 years and SOXX about 6. Both have done extremely well. I bought SMH 2 or 3 years ago. I now own all three.
I use Fidelity, so that's the same as FXAIX, right? I am ~75% FXAIX, my shares in FSELX have grown to be the other 25
I think it’s possible Nvidia may be maxed out on valuation, although I hope not since it’s carrying the S&P significantly. I think it’s also possible just general market anxiety and imbecile economic factors are impacting the stock price. Google’s announcement undoubtedly caused Nvidia stock to flinch, but no I don’t think it’s a primary factor for Nvidia being down 11% in the past month, or flat the past week. Nvidia remains a contender, no doubt about. On the flip side, I did switch from FSELX to SOXQ recently for my semiconductor fund. Nvidia is already a top holding in most of my US funds, and I didn’t want to overweight it anymore than it was. FSELX holds Nvidia at 25%, SOXQ a more modest 9%. Just hedging my bets.
Buy SMH, SOXX, or FSELX instead
Target Date retirement funds are way too conservative imo, being too heavily invested in bonds and only adding more bonds to the mix as it gets closer to the target date. If you have the ability, you're better off putting at least half of your funds into an S&P index (FXAIX) and then a mix of other indices. Personally I like FSELX (semis) and FBGRX (blue chips) for growth and a smaller mix of funds like FSAGX (gold) and FLCOX (large cap value) for a little more diversity and defensiveness.
Shucks man. I learned my lesson with FSELX being risky. I put it back to VOO and SWPPX. I feel you totally on this one for sure. The stock market can feel like a scam sometimes my man.
I think FSELX is the best high growth investment to buy. Chips are vital
Additionally, I had only MUTF for years, but after leaving jobs and moving on, I decided to roll over all my 401k/403b accounts to Fidelity and take control myself. So today I have 20 % ETF and stocks and 80 % MUTF of which are right now 50% domestic tech heavy like FSELX, PRSCX, FSPGX, FDCPX, and 50 % international that I shift somewhat, but now Asia ex China + Japan + Global (I believe China - US trade issues will keep coming...). The 20% ETF and stocks are comprised of half a broader ETF and half stocks in boring companies that offer a yield and an actual business foothold. I used to really think a lot - but now I read, listen, and try to take far higher altitude look at the company. --- Does their business make sense? --- Will they be around 10 years from now?
75% VOO 10% NLR 10% FSELX 5% cash Off my noggin lol, I'm sure there are better but this would slap.
Imagine the gains one would have if they went 100% FSELX though. The hefty capital gains distributions alone would have eclipsed the expense ratio of the fund.
I like semiconductors the most, SMH and FSELX
I was recently in the same position about a year ago. I put 15K into FSELX Mutual Fund, and I am up more than 10K, so far in that time period. DYOR, but it has a low share price, great historical rate of return (inception; 1985), relatively low fees.
There is a ton of overlap in the funds. I feel as long as you just stay the course you are fine. Possibly add in FSELX and FNCMX from the FBGRX.
My exposure to semiconductors is through FSELX. Started investing in it 3.5 years ago, back when it was still trading around 15 bucks or so. It's been around for 40 years and pays out a nice dividend/capital gains distribution.
Should I sell FSELX and put that money into gold or crypto? I have about $20K in FSELX, but have been reading too much and hearing it may be overvalued. Should I park that money in FIBC or just buy gold? I'm not feeling very confident about the near future of the US economy.
Happened to me. In the fog of divorce in 2001, I conflated two accounts in my mind and forgot about the one at Schwab. I think that‘s what happened. I moved around a lot, Schwab lost track of me. Discovered it in 2021 when I called Schwab to open an account. The rep asked me, what about this other account? It had been invested in QQQ and FSELX, among others. $423,000. I nearly died on the spot.
I have held FSELX for 1.5 years. I put in $115k and that has grown to $180k (>56% return). I like sector funds because it's not as risky as a single semiconductor stock. I get a broader batch of semi/AI companies and I am good with that exposure. This is a minority holding in my overall portfolio, the rest is in solid S&P500 funds. There will be major ups and downs in this sector fund but I think the next 3-4 years will have many more ups! I will reassess in 3-4 years so for now I am staying pat.
FSKAX is the place I'm in when things seem chill. When there is a market drop off ~10 ish %, I switch to FDGRX and FSELX until about 20% increase from switch. This keeps me interested and gives me something to do that's pretty safe and makes me feel like I'm trading.. Overall FSKAX and chill is going to be safe and fine of your not interested in being more active or risky. (In my opinion)
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.)
FSELX would be where I go with it. Very aggressive (Semiconductors/AI) but you'd be investing in the top players of the tech sector so at least you wouldn't have all your money in one company.
Fidelity has a number of etfs and mutual funds. If you’re being serious, look at stuff like FSKAX, FXAIX, FTIHX, and FSELX among the hundreds of others that they offer.
Maybe go for a Semi index like FSELX or Van Eck? They both lean heavily into NVDA and Broadcomm as well, plus you get the added benefit of like 30 other tech stocks to boot.
Voo or spy or any etf like FSELX. True. Modest gains after hitting a home run isa tough pill for many ‘investors’
I wouldn't choose a stock. Invest in an ETF instead. I recommend FBGRX or FBCG to all my younger family and friends. I have now owned it for 10 years. In those 10 years it's up almost 600%. A $10,000 investment is now valued at almost $60K. FBGRX and FBCG are basically the same. FBGRX is a mutual fund while FBCG is an ETF. An investor has to tolerate the volatility. Another suggestion is FSELX a mutual fund. It's a tech ETF. Over the last 10 years it has an annualized return of almost 30%. A $10k investment 10 years ago would be worth almost $124k. It has an annualized rate of almost 30% the last 10 years. Again, it's highly volatile. An ETF option if SMH or SOXX. Both tech funds. SMH has done slightly better the last 10 years. I own significant amounts in all of the funds I mentioned.
TQQQ 10% FXAIX should be your base investment 50% FSELX 20% QQQ 20%
I can't take 100% credit, but in 2016/2017 AI & ML were being mentioned in my industry .. A LOT! Funny enough, I'm not in the Tech Industry. Add to that, GPUs were gaining popularity for Crypto Mining. Those two years I plowed the entirety of my Solo 401(k) contributions into FSELX (Fidelity Select Semiconductors Portfolio).. knowing that the Semiconductor Sector was going to boom. After all, everything has to run on some sort of hardware. It did & that position is up >600% since I bought in. Those same conversations are now about Quantum Computing. I am working to figure out how to responsibly get into that sector. I'm not the type to invest heavily into a single Equity, especially when it's speculative. MFs & ETFs are more my style for anything I plan to hold for more than 5 years.
I have held FSELX for 3 years and it is 75% of my IRA. NVDA comprises 27.45% of FSELX. I watch fselx and nvda every day and this is the first time I can remember fselx having a nice green day as nvda had a terrible day. I'm guessing fselx bought Broadcomm in time for AVGO's big gains.
You can absolutely beat the market if you build the right fund. You know how AI and Semiconductors are all the rage these days? There are funds that exist purely on this bet like FSELX that have returned 183% in the past 5 years compared to VTI's 84%. The thing is that the AI bubble could burst and if you go all in on FSELX today you could be left holding the bag while the S&P 500 chugs along on the back of other industries. If you were a stock picker and were all in on Nvidia or Broadcom or even Netflix, you are sitting pretty right now compared to lowly Bogleheads. You just introduce a lot of risk to your portfolio when you start doing that.
FSELX. But the tariffs and murkiness of nvda's sources of revenue have me worried. In business as usual tines, fselx is an easy choice afaic. It's most of my ira and has been my best investment.
I invest in both FSELX and SMH as well just to see which does better. SMH beat FSELX this past decade, but FSELX performed much better in the years before that.
Chips are at the core of AI. You got to ask yourself: Is AI going to continue growing or is it going to die on the vine? We might be in an AI bubble right now and see a big short term correction. Long term there is no way the AI Genie is going back in the bottle. Just my opinion. BTW: A similar alternative to FSELX is the ETF —>>. SMH. I own both as well as XLK. As mentioned it might be foolish to go all in on FSELX but it might be wise to have a healthy position.
FSELX has had long term great performance
IMO, I'd say do your own research on what you thing the long term roadmap is for semis, go from there. It's a long term hold for me. Like someone else said it's volatile and inherently more risky. Might as well skip FSELX and buy NVDA AVGO and TSM if high risk is your thing
stick to 3-5% max for sector funds like FSELX. think of it like debugging code... you want broad coverage first (FXAIX/FSKAX) then small targeted fixes. semiconductors are volatile but solid long term given AI/tech trends
I probably wouldn't do that. If you insist then I wouldn't put more than \~5% of your total portfolio into an industry specific fund such as FSELX. Also, you already get exposure to many of those same stocks through FXAIX. Personally, I'd swap out of FXAIX in favor of broader diversification like a total stock market index fund such as FSKAX, but using an S&P 500 fund isn't horrible.
Maybe FSELX would be a good purchase now since it will dip tonight when it's priced?
For me sticking w/ FSELX and VGT help with this scenario. Diversification is the key - Right??? But if Taiwan was invaded TSM would just fall under Chinese rule I'd imagine? Although I'm pretty sure if that happened the market would have a worse day than April 7th all together.
SP500 or index funds in sectors like FSELX will balance out the winners and losers, and just do the work for you. I have tried many times in my life to stock pick, and most of the time been wrong with one dog dragging down my earnings. The news runs in cycles between fear and celebration. I always use the 500 as my base comparison....did the stock beat the 500?
Investing in stocks and what you read online is irrational. There is very little logic to investing, and it is a complete waste of time to read, and study anything. \\ What I will tell you is that a broad index fund will do just fine without ever watching it, and indexes like FSELX will kill it over time. Screw the bond funds. You are loaning out your capital for pennies.
I got out of Tesla like 2 months ago, rolled it over to my VGT & FSELX ETF's. I have a bunch of QQQ I can't imagine getting out of anytime soon. I say do it!
If your massive SPAXX position is part of your emergency savings, then don’t invest it, everyone needs a decent savings before they think about more investing. You may wanna consider FDLXX instead of just SPAXX, it can save you on taxes. Your portfolio overall is actually pretty aggressive, only way it gets more dramatic is maybe some FSELX or SPMO.
What percentage of your portfolio do you put in FSELX?
If his whole strat is half the mag 7, then you could probably beat him with half voo, 25% FSELX, and 25% in bouncy meme tech stocks (but you have to watch them).
Well for me it's an issue with my company and what they allow you to do in Fidelity. I have two accounts one 403b and one 401k. After some poking around, I was limited to some Fidelity funds. Invested in FSELX in my 403b and FSPCX in my 401k. Not sure I'm making any money in them even with what I put in each paycheck and the company match but supposed to be decent funds. Not sure when the heck they payout perhaps every 6 months which is annoying to wait on.
You’re probably better off sticking with what you got, but I recommend you open a personal Roth account, contribute to that to your maximum per year ($7K if married), and stop contributing to your 401K whatever percentage that Roth max equates to. With your personal Roth established, you’re now empowered to invest in whatever you like with tax free growth. Your timeline is tight, so go bold! Maybe FSELX and FBTC. I do something similar to this. My employer matches up to 6%. So I only contribute 6% to the 401K to get my free money from them, and then everything else I do on my own with my Roth and my wife’s Roth. My investments are more exciting than their boring target fund.
Individual stocks are always higher risk versus ETFs or mutual funds. AAPL is the only individual stock I have anymore, but I’ve owned it for many years. CRSP has some serious potential, but I grew impatient and sold it. If NVDA or MSFT have another big dip, I might buy some, but it’s kinda silly since they already exist in most index funds. Happy to give you some favorite ETFs though. IDMO is a beast for international, and I’m fond of FIVA as well. I have a small position for ICOP. I genuinely believe copper and copper mining are a smart investment in the coming decades. FSELX is volatile but otherwise a great mutual fund for semiconductors. I contribute a little every week to FBTC. I don’t like cryptocurrency, but sadly I think it’s here to stay. I won’t deny it, it’s performed very well.
There’s no way in knowing. I dumped a rollover Ira straight to FSELX in February and the market went down the next month. Totally regret it.
Forget this very terrible idea. GOF has hugely underperformed QQQM, VOO, and FSELX the past ten years.
Losing that much can make one depressed. I learned my lesson with FSELX since it was volatile.
And I’m the sucker losing money with FSELX Make it make sense lol
Her job provides her a pension, so ya her personal Roth is more fun, but it’s not a lot of money we’re talking about. Every week it’s a meager $40 in FSELX and $10 in FTBC.
I wish you could teach people like me. I was in FSELX and it was highly volatile when the market dropped in April 2025. Thank you.
>- 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.
It was nice to see that $4,000 gain after I sold yesterday but FSELX is very volatile. It is worth 144k in Fidelity. I do not want to lose anymore money and want to play it safe.
I lost $40,000 to FSELX and sold it. Should I hold off for now. I had my stocks in VOO and SWPPX until I combined it all to FSELX.
I’m 19 looking for some advice. Overall I’m down 15% but FSELX is down 33% and FBGRX is down 18% individually. Is that really bad and unrecoverable? Should I sell at a loss and buy more of when S&P dips more? Please be nice! I know I’m kinda dumb.
> Is the concern that people will just forget about their investments and 2 years will go by in the green before they realize “oh crap, I never re-invested that money I set to the side”? Not quite, it’s more a behavioral thing. People consciously leave their money on the sidelines while there’s volatility. Not until they see things “calm down” (i.e., go back into the green) will they reenter the market. It’s completely illogical but it’s what millions of people do every time the market drops, and they end up screwing themselves. You think “well I won’t do something so obviously dumb like that” but if you haven’t experienced a +30% market drop and recession, you really can’t say. > I entered June 2019 at a cost basis of $44.77 with my initial investment ($44k). First things first, [cost basis ≠ performance](https://investor.vanguard.com/investor-resources-education/taxes/cost-basis-isnt-performance) if this is a taxable account. That’s important to understand. > As of right now, I am up $64% on this particular fund. I’m up 184% on FSELX. I’m up 46% on FBSOX. Yes you can lock in a 64% gain now. But you will also lock yourself OUT of future gains. Time and time and time again, people who attempt to time the market during volatile periods end up underperforming their buy-and-hold peers - https://www.schwab.com/learn/story/does-market-timing-work - https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ - https://awealthofcommonsense.com/2025/02/market-timing-a-recession/ - https://awealthofcommonsense.com/2023/07/the-siren-song-of-market-timing/ - https://www.morganstanley.com/atwork/employees/learning-center/articles/cant-time-market - https://advisors.vanguard.com/insights/article/the-difficulty-and-rewards-of-staying-the-course - https://advisors.vanguard.com/insights/article/dont-just-tell-show-clients-the-pitfalls-of-market-timing
> And what if it doesn’t keep dropping? How long will you remain in cash while the market goes up? Is the concern that people will just forget about their investments and 2 years will go by in the green before they realize "oh crap, I never re-invested that money I set to the side"? On the locking out future gain....again I'm not investment smart so maybe I am missing something....and you can clear it up for me. I will use FFNOX as an example. I entered June 2019 at a cost basis of $44.77 with my initial investment ($44k). I have a ton of $0 cost basis with misc purchases between Dec 2019 and today. It seems these are dividends because they happen every December and April. So my AVG cost basis is $34.20. The current FFNOX price is $56.35. The high was $62. My guess is in the next 1-2 weeks, I'll see another April purchase of $0 cost basis for several thousand (most are $2000 something) These are not purchases made by me. So the dividends have lowered my average from $44 to $34 over 6 years. If I were to hypothetically sell this fund of about $72k (initial investment was $44k) into cash..., it sounds like if I hypothetically re-entered at $60, all those $0 cost basis dividends I'd no longer be benefiting from...they would still happen going forward just based on the new 'avg' cost basis of $60. As of right now, I am up $64% on this particular fund. I'm up 184% on FSELX. I'm up 46% on FBSOX.
> Yes. Probably not this year, maybe not in the next 5 years. But it eventually will. And most importantly: is your time horizon for needing this money the next 1-5 years? So can you explain to me what is the 'harm' in the following scenario. I have a rollover IRA. I haven't contributed to it in about 7 years since I started my new job, as it is just a bunch of prior 401k rollovers. October 2022 - value $64k. Feb 14 - value $108k Today: value $96k. (will be less by the end of today) So hypothetically speaking, I move all my rollover IRA funds which are mostly ETF and index funds (FFNOX, FSELX, FXAIX, and a few others) into 'cash' within Fidelity's system...and just leave it there till things maybe calm down and less chaotic. Then when it seems there is some stability, even if we have a week of 'green' and success, I then enter those funds back into my ETFs.... what exactly is the harm that has been done other than maybe missing out on a couple thousand bucks which in the long term isn't much?
As others have said...what is going on right now is a bit unprecedented and we have a 'leader' who is self sabotaging our economy for who knows why....and it sounds like the trend is the dip will continue and who knows when it will stop. I have a rollover IRA I haven't touched in years since I haven't had to roll any 401k investments in for some time. I have a Roth I actively contribute to. Most of my investments are in FFNOX, FXAIX, FSELX, FBSOX. I'm down about 12k and it will be more by the end of today. Is there anything wrong just selling what I have and moving it into CASH inside Fidelity...almost all of it are long term positions dating back years.
I don't know what to do....I get you can't 'time' the market and what is important is 'time in the market' but because we have no clue how deep these lasting impacts will go, I don't know whether to shift my investments into safer areas or just leave it alone. I'm down about 12k from the high, and most of my investments are in etf/index funds such as FFNOX, FXAIX, FBSOX, and FSELX. Most of these are in my rollover IRA which I don't contribute to anymore (I have a roth I actively manage)...I could theoretically just move it all into 'cash' inside Fidelity and let it be while things fall.