FSELX
Fidelity Select Semiconductors Portfolio
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New All Time High - Happy Cinco de Mayo (all done with mutual funds FCNTX & FSELX)
Looking for some feedback on my planned portfolio as I start investing into my Roth at 35 years old
Is VOO not worth it anymore? What stocks do I get? (14M)
My TSP (Thrift Savings Plan) allows me to invest 25% into a Mutual Fund. Looking for suggestions.
Are there scenarios where semiconductors, microchips and AI won't thrive in the long run?
Looking into these index for first time brokerage account
Which ETFs would you invest 100k in? Please provide % Breakdowns.
Which ETFs would you invest 100k in? Please provide % Breakdowns.
Made profit this week on INTC. Gonna play my first and likely last option 😁. The rest of my profits is going into FSELX long term. Thoughts?
Trump says semiconductor tariffs coming soon, could reach 300%
High fee ETF and mutual funds low fee alternatives?
Consolidating accounts and might restructure. Seeking advice.
Continue contributing max to Roth IRA or pause contribution to accelerate a home purchase?
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
Yes they are legitimately free. What are your investment goals? Understanding them is important. Some money may have different goals than other dollars. (Example your 401K is meant for retirement, but you may also be savings for a house in a couple of years.) Assuming a long time frame you can open up a Fidelity account and do 30% of your money in FSELX, 30% in FDCPX, 30% in FXAIX, and the rest in FGRIX. It is a pretty easy portfolio that will make you a lot of money.
FSELX is a consistent winner for the last 10 years.
ur regarded this should be on wallstreetbets. u got the SPMO, QQQ, FSELX, & VTI but u chose that😭
FSELX is essentially my entire IRA. Only 3% of FSELX is MU right now. Seems like I could fairly safely increase return by selling about half of the FSELX to buy MU and SNDK.
Went all in for my Roth on FSELX yesterday and I'm not regretting it.
It just did look too good to be true. Most of the stocks dropped today and good thing I didn’t go all in on MUU after all like how I did on FSELX last year or false investment stuff to lose 72k.
But then what? They will go back up right for the next 20 years? I just put like $30k into FSELX this week around $73-$74 per share
Same here with FSELX going back up from last April 2025 stock drop to sell out all which I lost 42k when it drops it dropped bad. I asked Google is it illegal to manipulate the stock market and apparently it is so all our losses could have been gains. Overall lost 169k in my life so far.
Sorry for the loss. Everyone who loss like me it was supposed to be a gain. Same with seeing that FSELX was good so I went all in last year 2025 but when it dropped with Tariffs last year it dropped bad in a couple of days. Anyone claiming they can turn your money into a larger investment quickly is a scammer.
If this is with Fidelity, look into FSELX and FDCPX, these are what I use, they perform very well.
I open a conversation about this because I read about not investing in FSELX in a taxable account and there was no evidence for not doing it
Yes or you could just go FXAIX in a brokerage as well. Another good Fidelity fund is FSELX
https://preview.redd.it/xvqqd2dkr55h1.jpeg?width=1320&format=pjpg&auto=webp&s=1fabb4aed4bb3a3672f68aeca6fb9dd0f463d71f You aren’t kidding. Before you ask… My entire portfolio is comprised of: [FSELX](https://fundresearch.fidelity.com/mutual-funds/ratings/316390863) \- 60(ish)% FCNTX - 25(ish)% ULTY - the rest.
Its all about ai atm. FSELX if you have fidelity. Its the semiconductor fund.
It’s probably a sign of the top. My humble position in FSELX is up 60% YTD.
Mainly FSELX, never below 25%, sometimes as high as 100%
Sorry this happened to you. The market is some how being controlled so it is hard for me to take a chance with high gain high risk after FSELX this past 2025.
Look into ETFs that use components to build data centers such as semi conductors (SMH, SOXX, FSELX) or memory (DRAM)
This is what my fear of losing money was like this past 2025 with FSELX and learned a lesson.
Just look in the companies in some of the semi funds such as FSELX and SMH. The balance sheets and growth are insane. Semiconductors are the undisputed engine of the modern economy.
I could only buy mutual funds in my account so FSELX. I’d rather have an ETF tbh
FSELX has great! got in almost exactly 1 year ago and already up 120%. Paid me dividends twice so far that got reinvested into more shares.
this is the great meltup theory in progress; go see the last 10 yrs, last 5 yrs, & last 3 yrs for any good semiconductor etf or fund. its mind boggling. i track the Fidelity fund FSELX- inception 1985. if you bought $5k around that time you'd be very handsomely rewarded if you just held. (of course past performance is no guarantee of future performance.)
Exactly. Salty, scared losers afraid to make money. All you have to do is look up FSELX for proof of concept. But they’ll triple down on their bearish delusional stance because they missed out.
I don’t recall if it was popular at the time or not. I had just started investing in 2020 when you know what happened. I bought the a semiconductor fund (FSELX) in my Roth and NVIDIA because I wanted to buy a PS5 and couldn’t because they were sold out due to a microchip shortage. I hadn’t consulted anyone on it but that was my logic for the purchase. In retrospect I should have bought more but I was a brokie at the time.
Sorry about your loss too which the market can feel kind of scammy. I lost 42k this past April 2025 in FSELX. I am looking at the market today and seeing something that does not look good. Two of the stocks which went up look too good to be true.
Sorry about your $15,278.95 loss. I was the same with FSELX this past April 2025 not thinking it would go back up after I sold.
Hopefully the stocks go back up. I feel you on that loss OP because that is how much I lost in my life. It is okay because you have more over me and I wish I had that much. If I lost that much and had that much thinking it would go to zero I would put it back to index funds which is what I did this past April 2025 to panic sell FSELX losing 42K in 4 to 5 days. Thanks for teaching me OP about having a get rich quick mentality for myself too.
That is the part. It really took a whole year to gain back what I lost in FSELX.
This is why I stressed sold FSELX and put it back to the index funds I had my man to be safe. It felt like I was going to lose it all.
I made my bet around the same time as yours. In September 2021, I put $250,000 into FSELX in a single transaction. I made myself promise that I would leave it there for five years, no matter what. 2022 sucked, but I didn't touch it. I haven't added a dime to it. As of today, it is worth $1.1M. This represents 50% of my household's portfolio. I am 51. The FSELX is in an IRA, so I won't have easy access to that money for another eight years or so. I realize this is a good problem to have, but all that growth kinda gives me a stomachache. Wish me luck as I countdown to September 2026! Then I have to decide what to do all over again.
Right now I’ve got our investments going into FSELX, FTEC, and FSKAX. April and now into May are the reasons I’m considering selling and investing. I always liked the steady “safety net” income from rentals. What sort of easily managed portfolio would you suggest?
S&P S&P go go go. Good thing I did not sell this year but did lose 40k in FSELX this past year 2025 when I sold.
https://preview.redd.it/0bsacbax7qzg1.jpeg?width=1320&format=pjpg&auto=webp&s=2ddafef9f20a051eb0486273d884621b837f0169 Just one of my accounts. I’m about 80% FSELX and 20% ULTY (ETF)
So true without working for it even if I got scammed $29,565.30 and lost 40k to FSELX in 2025. I hope the stocks keep going up.
I learned my lesson getting crypto scammed $29,565.30 and losing 40k in FSELX this past 2025.
If you're dedicated to semiconductor stock buy FSELX instead of individual stocks, FSELX is a semiconductor mutual fund.
About 33% of my wife’s Roth is SOXQ. Good enough for me, for a few years I used FSELX but I swapped it several months ago.
I have a government 457b plan through my employer. There is no employer match, but the main thing that makes it attractive to me is that I can withdraw from it penalty free after I leave this job. My current plan is to contribute as much as I can while I am working here so I can take advantage of the tax deferred growth and the reduction in my taxable income. Right now I am contributing about $1,000 per month. For the first few months, I had the money in a target date fund. The plan is through Fidelity, and I recently found out that it gives me access to a BrokerageLink option inside the 457b. That made the plan more appealing to me because instead of putting money into the target date fund and separately investing more from my paycheck into my personal brokerage account, I could potentially do more of my investing inside the 457b while still getting the tax advantages. Now I am trying to decide whether I should keep the money in the target date fund or move it into different funds through BrokerageLink. From what I can tell, the brokerage option lets me invest in ETFs, mutual funds, and individual stocks. A few funds have caught my attention, including FSELX. I know it is concentrated in semiconductors and much riskier than a target date fund, but its recent performance has been much stronger than my target date fund, which made me wonder whether I should be more aggressive. My goal is to grow this money aggressively, but I am thinking about it with roughly a 5 year window in mind. I understand that this is not a very long time horizon, so I am trying to figure out how aggressive is reasonable without doing something reckless. For people who use a 457b or Fidelity BrokerageLink inside a retirement plan, how would you think about this? Would you keep the money in the target date fund, move to a broad market index fund, use sector funds like semiconductors, or split it between different options? Also, are there any funds or types of funds y'all would recommend researching for someone trying to grow a 457b aggressively?
What stock was that? I lost close to 40k in FSELX this past 2025.
I am very heavily invested in AI-related companies. (Ie FSELX...5x my cost basis over 2.5 years) I DCA/buy/hold and have been riding the wave for years now. The way I see it, if I can build as much as a profit buffer as possible, a 10-20% pullback doesn't even matter. Trying to time the market *usually* leaves money on the table unless you have great luck or inside info.
If I remember it was a crazy run up then a little sideways taking profits then a big accounting firm dropped them basically indicating something is wrong with the numbers fast forward to today where they were still sending chips to china when they weren’t that’s like really bad for PR and they will never recover to those levels again I’d put my money elsewhere lihe a AMD, NVDA, ASML or a fund like SMH, FSELX that’s just my opinion tho not financial advice
Fidelity semiconductor fund FSELX i think is just a money printer for the last 5 years.
I really want to invest back into FSELX but it is so risky when it drops. The insider trading thing is my paranoia about it all after I got scammed this past 2025.
What percentage do you put in FSELX?
It looks good, this is similar to what I do except the FNCMX. Adding FXNAX isnt a bad idea for psychological reasons. In terms of Fidelity funds, FSELX is the best.
That is what I went through with FSELX this past 2025. To see it drop so much made me sell not thinking it would go back up.
i do both weekly contributions simultaniously. $150 into my roth and $150 into a brokerage. $55 in FCNTX, $55 into FXAIX, $20 into FSELX & $20 into SPXL. perfectly the same between both accounts. I also use Goldman Sachs Apple Savings for my HYSA getting 3.65% if that helps.
i been holding FSELX for quite a while and i don't see a reason to sell yet so i'd say hold but im just a guy lol
So last year, at the end of April and early May, I put \~15k into Sterling Infrastructure, which was 100 shares at the time. It has been very volatile and I ended up selling on a stop loss at $420. So, I got $42k in cash. After great earnings, in greed I brought in after hours at $490, and a stop loss sold it with some recent volatility at $390. So I lost $10k. But, I've slightly more than doubled my money after just under a year. If you told me a year ago that I would double my money, I would have been ecstatic. But, now I keep thinking that if I had not had that stop loss, I would have $42k. I know it's ridiculous, but I have decided I'm staying out of it. I could have done far worse with a volatile stock, plenty of people have lost a lot of money on them. And, of course, if I would have brought back in, I would have been up a bit. But, I might not have been. And, I just used about half my investments to buy a condo, and don't want to screw up the remainder (\~150k) One thing that impacted my thinking. In the early 2000's I left a company with a small 4k 401(k), and brought JDSU. I rode it all the way down till it was worth $80. That decision has stayed with me for decades, which is why I put stop losses in. I've also decided that I'm keeping my remaining money in QQQ and the Fidelity semiconductor fund FSELX. If an individual stock makes me worry, I'm getting out of them while I'm ahead. I know I'll never hit a home run with ETFs and mutual funds, but I won't lose it all, either. How do you guys handle those thoughts of "what might have been?" I've had to force myself to look at it logically that I doubled my money in a year and to stop thinking of that and risk doing something stupid due to greed.
Why was FSELX down 5% today? Every major holding was up or flat?
How would you have made more with FSELX if it was higher price in 2000 though? Peaked roughly at $13 in 2000 and now it's $52. That like 253%. I think you were better off buying it in 2015. You made double and spent 15 less years.
That is what happened with me selling FSELX last April losing $40,000 not knowing it would go back up and I would have had more.
I took a $40,000 dollar loss in FSELX this past 2025 with the Tariffs when I went all in on it thinking it would make a profit after selling VOO and SWPPX. I put it back to VOO and SWPPX to be safe. The basic is higher expense ratio with higher the risk.
FSELX. While it is a volatile sector fund, its upside is essentially limitless IMHO. If one had invested 10k in it ten years ago, it would be worth 150k today, and there is nothing indicating that this trend will end.
I'm currently 17M and live in America. I have a lot of money saved up from freelance work (about $20k in savings available to spend w/ another $10k set aside for taxes) and I'm not sure of the best way to start investing it. I don't currently work a regular job. I put $10k into my Fidelity account around December 2025 and started doing auto investments of about $210 per week, and I've changed my strategy a few times. Right now, I'm investing $180 divided between 3 funds ($75 in VOO, $75 in VTI, $30 in QQQM) along with $30 in FSELX, but I'm not sure if I should try and simplify my portfolio or expand. Additionally, I don't want to put too much into investments at once, but I wonder if I should increase the amount I'm investing on a weekly basis to get more money into the market sooner. I'm not too sure what my future's gonna look like so I don't have any goals other than being able to afford 4 years of higher education and live on my own eventually. I have no debt currently, and I'd prefer a more proven, long-term investment strategy, but I'm okay with some risk.
im 14, i live in usa, I dont make an income, I want to get financial freedom as an adult and never make money a problem for any thing, and hopefully become a millionaire. Time horizon is a while ill be investing my whole life but id like to be able to withdrawl some money in my 20s but mostly long range, risk tolerance is medium id like to have the boring cash generators warren buffet sytle but id like some small semi risky plays that are calculated correctly, I’ve been interested in stocks for a few months now, and I already know the basics ( credit, interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
im 14 and in the usa, time horizon is a while like a while I’ve been interested in stocks for a few months now, and I already know the basics (compound interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
This is why investing in ETF or mutual fund is ideal. If an investor was unfortunate to invest $10k in FSELX at the beginning of 2000. Sadly, today it would be valued at $1.3M. I first bought FSELX in 2015. My initial investment is up over 400%
FSELX is already in my portfolio
It looks like all of those except FSMEX have significant expense ratios compared to the TSP's funds. I'd just go with the C fund instead of any of the non-TSP fund options. Plus then you not capped at 25% of your balance. But if you insist on one of those funds to get extra exposed to AI/Semiconductors (the C fund tracks the S&P and so is also *very* exposed to that same thing in the market given it's being driven by the Mag 7 who are heavily invested in that already), I'd probably take FSELX if i was you. FEMSX is more appealing to me overall, but at 100% I fund you're already primarily invested in international holdings. More international exposure doesn't really take advantage of the domestic policy stuff you're waning to take advantage of. Of the remaining 3, there's pretty reasonable overlap in their holdings (at least in terms of technologies and underlying drivers, if not in specific companies in the case of FSLEX). Given how similiar the funds are, the only real thing in your control is the expense ratio you pay. Go with the fund that has the lowest ER when all else is equal, so in this case that FSELX. But for real, with how much the current market is being driven by AI hype, C fund accomplishes most of what you're aiming for, but for a lower ER and in a much more well diversified way.
Personally that just feels like a lot to manage. My port is made up of three funds (VOO/VXUS/FSELX) and then two individual company stocks (GOOG/TSM).
I mean the market as a whole has been flat for about 1 moth its very normal Your really exposed to tech holding FSELX/GOOG, NDVA. AMZN, NFLX As those companies also make up a large part of FZROX as well
i miss when i didn't know about this sub and was yolo'd into FSELX.... should've just kept that there
Anyone's portfolio down for the last 30 days? 75% ETFs: FZILX, FSELX, FZILX, FZROX. 20% Mag 7/"safe" stocks: GOOG, NDVA. AMZN, NFLX 5% funny money: FSAGX, XME, MU, FBTC. Should I better diversify?
FSELX in my roth and SMH in brokerage.
I have held FSELX for two years. I add to it monthly. It now represents ten percent of 2m portfolio. While volatile - it’s a proven winner.
FXAIX is excellent. When you get more comfortable with investing, look at FSELX-a semiconductor mutual fund. Luckily for me, someone bought it for me 20+ years ago and it has grown enormously. If you want a semiconductor ETF, that would be SMH or SOXX.
Even ETFs like FSELX don’t include TSMC citing geopolitical risk.
If I was going to yolo into anything, I’d buy SMH or SOXX. The semiconductors have done fantastically well for me-I’ve owned FSELX for well over 20 years and am up enormously. I also own NVDIA, ASML, and TSM, because I like owning some individuals and am addicted to the gains to be made in semis. Need to rebalance, badly. I have also owned APP for a while. Be wary, it’s extremely volatile. I’ve bought and sold, made some money, but am currently underwater. Consider building a foundation in VOO or SPY or IVV. Risk is exciting, but having a good amount in steady eddies (that grow) can take the edge off when APP drops $100 over a couple days.
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.