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
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.
I have FSELX in my Roth since it’s a mutual fund, and just recently started buying SMH in my taxable. I’m still up pretty high in FSELX (started a little over 2 years ago), but am already down almost 7% in SMH. So I’ll be buying more into that one to lower cost basis, where it actually matters. It’s a really good idea to not have more than 5-7% max invested into any one specific sector, but semiconductors are big due to AI’s popularity that doesn’t seem to be slowing anytime in the short term. I have about 15 years till traditional retirement, but in another several years, I’ll also be vested in my company’s pension, so will likely retire before 60 in any case.
I am curious with everyone if I should still hold on to FSELX. I combined my VOO and SWPPX into FSELX. The stock market for 401K does not look good right now.
fuckkk i just put 10k in FSELX too
I rarely buy individual stocks but just bought TSLA last week because I think it'll go up substantially within a few years. The majority of my portfolio is in FXAIX, and then sector and growth ETFs like QQQ and FSELX.
XLF because it's heavy in Berkshire. FSELX because AI is going to grow exponentially and semiconductors will be big for a long time. FXAIX because I'm always buying the S&P FBTC because I expect Bitcoin to continue trending up for a long time FSPGX and QQQ because growth Oh wait you said stocks. I don't really buy individual stocks, except TSLA occasionally because I believe in the company and expect continued growth
The stocks you’re buying are garbage. I highly suggest a mutual fund or index fund, I personally love SPY, QQQ, and any of the fidelity ones. Blue chip Growth, FSELX, etc. I know you use Robinhood but maybe they have similar? The only single stocks I buy are Apple, Nvidia, Amazon, Costco, and Berkshire Hathaway. Oh and Mastercard and Visa occasionally. Just set up an automatic reoccurring investment, mine does $600/Month, or $150/Week. $25 Monday, Tuesday, Thursday, and Friday. And $50 Wednesday.
Thank you!!! I am using primarily mutual funds since they are actively managed. I assume they will outperform other passively managed investment vehicles. My Roth consists of VFIAX, VIMAX, FCPGX, and SCHD, small, mid, and large caps with SCHD because I like the idea of receiving money without selling my stocks. In my traditional, I have VTIAX, FSELX, and FCNTX. My 4 months of research got me here. This is my plan. Please don't hesitate to give criticism and your opinion on allocations, percentages, or if I should switch to different stocks altogether. Like I said before, I am starting and don't have much experience, so any advice is welcome.
Hello, everyone. This is my first post ever, and I need some help. I am 25 and started investing in December of last year (When the market was at its all-time high). I am maxing my Roth and traditional IRAs and have 4k in each account. I want some insight from more experienced investors on what I should do. I own some investments that track the SP500, which I bought at its highest. Should I buy more of the SP500 and take advantage of the dip, or should I stick to my plan with smaller caps with a higher upside since that is retirement money I won't touch in the next 35 years? I am employed, making 8k a month. My current holdings are VFIAX, SPY, and FSELX (I plan on buying VIMAX, FCPGX, SCHD, VTIAX, FCNTX, and FBALX.) Open to any feedback
FBGRX 10% - 11.4% NVDA FITLX 17% - 9.3% NVDA FSELX 21% - 23.6% NVDA It’s a tad bit higher than the 7% you mentioned, but to me, that still seems a bit high for one single company. Seeing how it reacted to the DeepSeek news, that could drive big swings in the IRA. I didn’t mention it in the original post but there’s also a lot of overlap with other stocks between FGBRX and FITLX. There also pushing me towards making a move
Honestly, unless you think you have a crystal ball, I'd just keep things simple and split the sell proceeds across the ETFs, either equally or in the same proportion you currently hold them. Not that it matters much, but you didn't say what % you have in FSELX vs the other two mutual funds. What total exposure % you want to NVDA (and/or chips) could play a role in your calc. Right now, if you have equal amounts in those 3 funds, your total portoflio exposure to NVDA in the Roth is about 7%. Of course, plus whatever exposure the ETFs have and what you have in other accounts. I wouldn't consider 7% as being overweight across all my money.
Chip stock is taking a much deeper dive than the rest of the market. China’s retaliatory tariffs are obviously going to affect semi-conductors. NVDA will probably be fine eventually but to be clear funds like FSELX, which are focused on semi-conductors are down more than 15% since last week while the market as a whole is down 3%.
My mutual fund FSELX quadrupled under Biden. Lost 70k the past month and got out😔. Have money on the sidelines in my 401k trying to figure out a safe mutual fund.
If you bought Intel in late '99, early 2000, you could hold it 10-15 years and still be down at least 50%. Maybe break even in 20 years. Intel's still around, still a major player, but doesn't mean a good long-hold investment. *Major opportunity cost* in that situation where money in an S&P or NASDAQ index would have gone further. Or even something more sector specific like FSELX. Depends on how much you believe in this company of yours, where you bought in, what "overpriced" means, what you believe the earnings growth potential to be, and how concentrated your portfolio is.
Hello all! (30, Male, Married no kids, USA) Here is my current breakdown. I realize I’m very heavy in the S&P 500 but I essentially use that as a higher growth savings account to buy a rental property one day. I am trying to be in large, mid and small cap funds to be diversified well. I don’t really think international funds tend to do well, but open to hearing about a good one. What would you change either percentage wise or new fund completely? Thanks in advance! Brokerage VOO - 48% FCNTX - 21.8% VONG - 8.7% VIMAX - 8.6% VSMAX - 8.5% FSELX - 4.5% 401k VIMAX - 25% VSMAX - 25% FAVRX - 25% RGAGX - 25%
That’s FSELX, Fidelity’s semiconductor fund similar to SMH. In other words they’re investing in tech and a niche of tech.
And that is why I am just the 500. Might not be sexy as trying to guess the direction of a stock, or some theory of why something is undervalued. There is no real logic to the market. Good news=price drop, good news=price rise, bad news=price rise... I tried to beat the 500 for years before realizing it is best to be the 500. 40% 500, 20% nasdaq 100, 10% AAPL, the rest in specialty funds like FSELX. 5% in long term calls on SPY and QQQ
I have about $1k/month to invest. This will be a part of my retirement plan. I am 42 and in the US, so I’ve got about 25 years to work with. I plan in investing in the below funds/etf’s. I’m looking at a growth strategy, and have high tolerance for risk for the time being. Buy and hold is the current plan, and I will reevaluate annually. Is there one/more I should take off the list, or any I should put on? What proportion of each would you put in the portfolio? I invest with Fidelity, hence the Fidelity funds. FXAIX ONEQ FSPGX FBGRX FSELX
So… I’m new to investing and just put a couple grand into FSELX. (Heard how powerful yet volition it can be) On Dec 15th… I’ve just watched it wittle away into oblivion the last few days and was wondering if “investing” was a big mistake. (If I continue, I’ll diversify) So I either started investing at the absolute worst time ever, or You’re saying “I didn’t lose any money” because everyone is distributing gains?
That’s what risk looks like, and why you diversify away risk by buying the market. If you just diversified the semiconductor market with FSELX you’d be better off. Compared to the peak on July 14, 2000, today you’d be up 234% with FSELX instead of down -71% with INTL. FSELX didn’t return to the 2000 price until 2017, but at least it did. Sorry for your loss.
Just buy some sort of semiconductor or tech ETF and you'll be solid. Personally go for FSELX/FSPTX and DCA.
Hello! I'm 37 years old, in the US. I have a rollover IRA sitting in a Fidelity money market account that I was unaware of until recently. So it's been doing effectively nothing for the better part of 5 years. The total is only $3,200, and looks like my options while keeping it with Fidelity are ETFs or Mutual Funds. I am a complete newb at independent investing and allocation, I have always just put money in my employers 401k programs. I don't really care if I lose it, but would be nice to see some growth and have the option to add funds periodically and use it for learning so I can get more serious about this after some debts are paid down. Obviously, this really isn't a large sum of money for most people but if this was your $3,200... what Fidelity Mutual fund or ETF would you put it in? Should I opt for something that has really high return in the last year, or something that shows a more sustainable return in the last 3-5 years? I was looking at mutual fund FSELX. I do my own taxes, are there any implications of either one that I need to be aware about after I move the money? I am sure the question will pop up on HR Blocks program and be obvious, but since I never have done this, I probably glance right over it each year since I didn't know this existed and it isn't invested in anything.
Put 150K in cash, a money market fund. Take out major positions in index funds. I like VFAIX and FXIAX. Take out smaller positions in a tech fund (FSELX) and an energy fund (FUSTX). Do a 70/30 split, adjusting for your risk tolerance. Do this if you think the economy still has room for growth.
And not to belabor the point, but...Zacks still has FSELX at a Strong Buy.
And not to belabor the point, but....Zacks still has FSELX at a Strong Buy.
Price target for FSELX is 43.35.
The truth lies in the middle . Today FSELX is trading at 35.57. Thanks for the correction on Zachs.
No offense, but FSELX is currently trading at >$41, and hasn't been in the $35 range since early August. Zachs is now "Buy", not "Strong Buy". Could still be a good addition, but needs due diligence.
If you want to go-long Consider FSELX. Incredible returns. Top percentile rankings with Morningstar and Lipper. Still trading under $35. Zach's rating is Strong Buy.
I'm pretty bullish on AI and semiconductor companies in general, for a long play. I've FSELX in my sights, and I was wondering, is this too focused on NVDA's performance, or is it a good option? I believe in semiconductor companies in the long run, I'm just unsure if I should go ETF or pick some focused stocks. Thoughts?
I like staying in house so FSELX is my preference but theyre essentially the same.
So SMH vs FSELX, which one do you prefer?
I'm trying to add some more mutual funds or ETFs to my portfolio. I currently have about $3,700 to divvy up. Here's what I'm considering: FSELX (semiconductor) - to continue building w/o buying more individual stocks FSENX (select energy) - wanted more exposure beyond info tech and wanted more "essentials" FNARX (natural resources) - similar to above FSELX (alternative energy) - similar FSLBX (brokerages) - great returns and these companies will always find ways to win the system... might as well get a piece of the pie FIDSX (financial services) - similar to above and also an "essential" FFGCX (commodities) - another "essential" but don't want too much exposure if geopolitics will negatively impact this IDGT - wanted exposure to digital infrastructure companies w/o picking stocks I could do an even split between all but was curious if folks had suggestions on portioning for reasons I haven't considered.
I manage my children’s Roth IRAs (they are around your age). I have them mostly in FXAIX. I have some tech heavy ETF investments (QQQM, FSELX) added in because I believe tech will only advance during their lifetimes. I also added in a growth fund (VUG) because time is on their side. There is nothing wrong with a 100% FXAIX portfolio at your age, and is probably the easiest thing to do. Just do me a favor and do not withdraw from this account for another 43 years! Good luck!!
Thank you. I'm diversified with the other funds mentioned, but FSELX is about 25% of the portfolio. In theory shouldn't tech funds go up over time as technology evolves and advancements are made as tech is in theory a consistent.... or is that just my simple, uneducated mind trying to justify? TYIA
FSELX is more tech heavy, so it's gonna swing harder. FXAIX, FSKAX, and VOO are broader, more stable. If you believe in tech long term, it could rebound, but short term, it’s volatile. Diversifying more might help balance it.
# Are there mutual funds (not ETFs) that are similar to MAGS and FTEC? I have a Fidelity BrokerageLink account under my 403b, but it only lets me invest in mutual funds, not stocks or ETFs. What is a way using mutual funds to buy the largest 5 to 7 tech companies? Are there any mutual funds similar to MAGS that I can invest in? I've been searching and don't see any. There are tech-focused mutual funds like FSELX, FSPTX, FSCSX (and other similar ones), but those aren't concentrated like MAGS in the top 7 tech companies. Also, are there any mutual funds similar to FTEC in composition (all the tech-focused mutual funds I see have different compositions than FTEC)?
I invest primarily in FXAIX. What do you think of FSELX, which is a semiconductor portfolio?
Got it - so you are a sucker that fell for Fisher's sales pitch and are in denial about making that bad decision. Somewhat like people that fell for scams but are too embarrassed to report the theft to police. Did you also fall for a timeshare pitch in the 80's that you're still trying to convince yourself and others was a good investment? You think making 2% over S&P is good? The 10 yr avg return for S&P is a little over 12%, so let's just round up to 13%. So your 10 yr avg return that you're bragging about is 15% per yr avg with Fisher. FSELX avg annual return over the last 10 yrs is 26.62%. Let me help further to put that in perspective - if you invested $10k in Fisher 10 yrs ago and made 2% over S&P, you'd have approx $34,429 today. If instead you'd put your $10k in FSELX 10 yrs ago, you'd have about $105,932 today... so over 3x as much in total value of that account. If you back out the initial $10k investment in the above example to compare only earnings to earnings, FSELX had right at 4x as much in total earnings for the past 10 yr period compared to Fisher. Furthermore, look at any period besides 10 yrs - Past 1 yr as of 10/31 S&P was up 36% but FSELX was up 76%, so I made double what you made with Fisher. Past 5 yrs S&P avg annual return was a little under 15% compared to FSELX at 33% avg annual return. Again, I made close to double what you made over the past 5 yrs. Yes there's been a couple of selected time periods in history that there's been 70+% loss in FSELX (dotcom bust, recession when housing bubble burst in 2008), but you conveniently ignore all the yrs that it more than doubled as well as made an exaggerated claim of "90% loss" which never happened in the almost 40 yrs of its entire existence. FSELX has been around since 1985, and even after incurring all the catastrophic losses you claim, it's still well ahead of the S&P over that same period of nearly 40 yrs. Yes FSELX can be a rollercoaster at times, but most of the periods of losses are short term (and I welcome them as good opportunities to buy more). That risk is also a reason for diversification, and I've never promoted putting everything in FSELX or any other investment. You also ignore that Fisher loses money some yrs as well. Such as 2022 FSELX was down something like 33% for the yr as best I remember (S&P was also down that yr, so you also incurred some loss too). But even with that one yr of the 3 yr avg being bad for FSELX, the other two were stellar. Bottom line is the 3 yr avg annual return for FSELX is 23.35%. If you invested $10k 3 yrs ago at 2% over the S&P return (your stated Fisher rate of return), you'd have about $3200 in earnings now compared to over $8700 in earnings for FSELX. More falsehoods you spew: \>>>>>"but if you compared directly managed assets, Fisher has many more assets then Fidelity or Schwab." Fidelity has $5.4 trillion under management and over $14 trillion total assets under their administration: [https://en.wikipedia.org/wiki/Fidelity\_Investments](https://en.wikipedia.org/wiki/Fidelity_Investments) while Fisher by their own admission on their website has less than $300 billion under their management. So Fidelity has close to 20x more in assets under their management. Thus your claim that Fisher has more in managed assets is asinine - the truth is they only mange about 5% of what Fidelity manages. And it's not just Fidelity that dwarfs Fisher in size - there are plenty of other companies similar in size to Fidelity, such as Vanguard for example. \>>>>"Also you cant single out 1 investment and compare returns, Fisher is a diversified strategy." FSELX is not a single investment. It is a mutual fund that like all mutual funds diversifies for you by investing in numerous individual stocks. A team of fund managers perform that management service for you of picking stocks and how to much to allocate to each similar to Fisher advising or managing what to invest in. Granted sector funds such as FSELX provide a degree of less diversification, but it's also easy to select a few funds in different sectors as well as diversify via other non stock mkt investments such as real estate. I don't want the focus to be on FSELX or even Fidelity. I only used it as one example using hard, black & white numbers as to how poorly Fisher does no matter if you look at 1 yr, 3 yr, 5 yr, 10 yr, or almost 40 yr life of fund avg returns. I could repeat the above comparison exercise using any one of numerous managed investments with numerous other companies besides Fidelity that are similarly all better than Fisher. Any way you slice, Fisher is simply not a good choice when compared to other similar alternatives.
I am a long term client of Fisher sure, but every part of your comment was off. They are not small, they might have less assets then the big brokerage houses but if you compared directly managed assets, Fisher has many more assets then Fidelity or Schwab. Also you do not get assigned an analyst at all, you get an advisor who is the liaison with the investment team and updates me on what they are doing. From my understanding this team is a few hundred or more people of researchers and analysts and decision makers. Also Morningstar returns are wildly inaccurate. They are not meant for private clients and you cant even buy them. I cant comment on review being removed but in my personal experience with them I have outperformed the S&P over the last 10 years by over 2% net of roughly 1.2% fees. Also they have like 160k clients and $300 billion in assets so 140 reviews is garbage and means nothing. With that said onto your new comments. FSELX is a concentrated index of semiconductors, of course it has outperformed most things, look at the risk. It has lost above 70% multiple times over the years and in 2000 in lost almost 90% or so. You have to compare risk adjusted returns. MORE risk should mean MORE reward, can you sustain a 90% loss while living off of the money? Probably not. Also you cant single out 1 investment and compare returns, Fisher is a diversified strategy. Please compare apples to apples and not apples to oranges.
You couldn't be further from the truth. I'm retired and have a few million invested in financials, plus other investments like real estate. I loathe Fisher simply because they got my contact info from somewhere unknown to me and they have continued with their unsolicited and unwanted high pressure sales pushes despite my efforts to be put on their do not contact list. If I was a competitor or disgruntled employee, I'd be trying to steer people to a specific investment. I deliberately tried to avoid naming any particular investment solely to avoid the appearance of promoting a specific alternative. But since you raised the issue, I've been very heavily invested in FSELX for decades as one of my investments. Fisher hasn't even remotely come close to FSELX avg returns no matter if you look at 1 yr, 3 yr, 5 yr, or 10 yr timeframes. You sound like a Fisher troll trying to discredit bad reviews. You make general statements like "there are so many things wrong with his comments" but yet you don't give even a single specific example. Currently 97 out of 139 Yelp reviewers gave Fisher 1 star and another 10 gave them only 2 stars. I guess all 107 of those 139 reviewers are competitors and/or disgruntled employees as well? And look at how many posts you have made in reply to negative posts about Fisher from numerous others trying to discredit them as well. Seems obvious you are a Fisher troll.
I go with the one that 23 Nobel Prize winning Economists are choosing. It has been easier to predict markets following the passage of bills such as the CHIPs Act and Infrastructure Bill. Invested heavily in FSHOX and FSELX and have done way better than S&P. You do you though and Vote.
Fidelity Investment Portfolio Rate My Fidelity Investments 31, married, no kids: high risk tolerance/aggressive portfolio Just getting into mutual fund investing; looking to see if the funds I picked are sound choices. All are morning star 4 or 5 star rated. Going to ride the wave for 20-30 years FBGRX 10% FBNDX. 8% FCNTX. 20% FGRTX. 15% FIVFX. 12% FMILX. 10% FSELX. 15% FSPGX. 10%
I’ve made a killing on FSELX personally. I bought in big in 2018. Over 30% share of it is NVIDA so there you have it. It’s been a good semiconductor ETF and well managed by Fidelity.
Great job being wise and frugal at such a young age. You have a wonderful future ahead of you. Roth IRAs are an excellent choice because you are funding them with money you have already paid income tax on. This will save you a ton of money when you begin withdrawing this money. Over the next 40+ years your deposits in this account will multiply many times over due to the principle of “compounding interest.” You can open a Roth IRA through any broker; I have used E*trade for over a decade with no complaints. Investing in mutual funds allows you to buy into entire sectors of the market (biotech, pharmaceuticals, energy, etc.) so you don’t need to understand how to evaluate individual stocks. Som examples are FSELX and FBGRX. Many of these mutual funds do not have minimum orders, transaction fees, etc. so they are not usually cost prohibitive. Roth IRAs have a maximum annual contribution of $7k each per tax year (this changes with inflation) and you cannot contribute to a Roth IRA if you make more than $240k/yr as a couple. Godspeed! Hope this helps.
FSELX tracks the semiconductor sector and is on a bit of a streak lately
Almost put a bunch of money into FSELX...phew
Just do it. Buy SMH or FSELX or similar.
When I first started working, I always thought I need a FA for investments and I had even asked my colleagues. I was so naive that I kept all my money in savings account paying almost nothing. I moved from another country so I didn’t have any clue on IRA and my employer didn’t offer 401k. I researched on my own and eventually opened IRA but still was naive enough to not contribute every year. Eventually, I became more intelligent. Just before Covid hit, I was looking at investing $100k that I had been saving. I thought it’s a big amount, I need a FA to help me invest properly. I met few but wasn’t sold on any. So, I decided to do it on my own and I am glad the portfolio has been doing good. Over the last 4 years it has been at least matching S&P. We now have a brokerage account, HSA, 2 Roth IRAs and 2 401ks. All retirement accounts have 3 funds - FSELX, FXAIX, and VTI in 10-60-30 allocation. I have also learned to feel, one needs a FA after ~$5m+ assets or if getting a $1m+ inheritance. Not only is that a life changing amount but one also needs to do proper tax planning. In your case, I think it is safe to assume, between your parents, your wife’s parents and your grandparents, you two are likely to get significant inheritance (combined mid 6 figures or may be even more). Hence, having a relationship with a FA would be beneficial. I’d speak with both (your grandparents’ and in-laws’ FA). Understand their plan, their investment philosophy, fees etc, do some research of my own and then pick one.
I’m thinking about selling my FSELX and putting it in PLTR. Good idea?
God I wanna dump my FSELX and put it all in my home down payment savings account.
Just buy into FSELX or SMA - heavy. People will tell you to stay in an S&P tracking index, and that’s safe, but i think it’s worth the so-called risk for the massive returns these indexes offer. And I love the idea that I dont have to pick the stocks (or when to sell them), rather,let the people who spend all their time thinking about this stuff - and controlling large influential amounts of capital- make that decision for you.
FDKLX is made up of index funds. There is no "less returns". There's "less returns" than just investing in the S&P500 for the past 15 years but that's not the goal of a TDF. And if you just wanted maximum recent performance you wouldn't invest in the S&P you'd invest in some growth index like VUG or FBGRX which have killed the S&P the past 10+ years. But why stop there? Fidelity's semi conductor fund FSELX has outperformed all of those funds over 10 years
I am no AI, but I already had (5) of the stocks on this list (listed below), and recently sold one that I had been holding since 2012 *(TSLA; finally got tired of EM's daily rants/antics about subject matter no sane person wants their CEO to be engaged in)*. I have been wanting a piece of MSFT, and been anxiously (procrastinating) watching for years (since it was $32, per share). I would also, like to mention one that is also doing spectacular for me, that may not have come up for you because you may have asked in about "stocks" and this is a (Fidelity) Mutual Fund; **FSELX**. **AAPL** **AMZN** **GOOGL** **NVDA** **WMT**
It’s because we are young and want to buy the dip. We also know if a 2008 ever happened we’d sell a kidney to buy as much Realestate and VTI/VCR/VHT/FTEC/FSELX as possible and then get fat in 20yr
Right? Semiconductors/microchips are in ALL modern technology. They aren't AI dependent. FSELX has been around since 1985, though I currently hold SMH just for the smaller expense ratio.
Im investing $500 every week in the s&p 500 each month in my taxable brokerage, $300 some in HSA, $900 in 403b, and $1,166 per month in Roth IRA accounts. No longer risking this shit in Nvidia directly or FSELX. One day can totally fuck you over.
I certainly never said anything about an investment. If it makes you feel better, I hold a ton of FXAIX and FSELX. But those are boring.
Restructured this morning. Sold AMD and AVGO for FSELX and FXAIX
I hold ADBE- $500 AMD $7000 AVGO $15,000 NVDA $32,000 FSELX $15,000 FSPTX $9,000 FXAIX $115,000 FZILX- $100 MKTAY $900 MU $400 Thinking about selling AMD & AVGO and going NVDA, FSELX or FXAIX with the funds.
Maybe obvious, I'm sitting on 100 stocks of FSELX. 🤷♀️
Have you looked at SMH by any chance? I'm trying to choose between the two - SMH seems to have performed a little bit better than FSELX from what I could tell and it has a smaller expense ratio at .35 . It hasn't been around as long, but the return over the life of the fund is much larger (though I imagine that's partly since it's been around since 2011 vs 1985). I'm asking in earnest because I'm new to this but want to add semiconductors because I can't imagine not needing them in our lifetimes given that we can't live without technology.
Hi, 19 year old who recently opened a Fidelity brokerage and ROTH IRA with $500 in the former and $2000 in the latter. I was wondering if my portfolio is considered too complicated or risky, or if there is a better approach. Currently in my ROTH, I have split my money 80% into FXAIX, 10% into FSELX, and 10% into FBGRX. To my understanding, the most common advice for new investors is to put all your money into FXAIX and call it a day. However, I'm ok with taking a more aggressive approach and the current 10 year return percentages of FSELX and FBGRX seemed like a no brainer to choose them. Of course, I only invested 10% into each of them due to the much higher expense ratios and risk. Would it be ok to invest even more into these as their high returns outweigh the expense ratios, or am I wrong to think this? For my brokerage, I have it set up 50% FSKAX and 40% FSPGX for their low expense ratios and great 1 year returns, but also placed 10% to FCNTX for its even higher 1 year return. (Like FSELX, I only kept it at 10% as I noticed the higher expense ratio). I've also realized that my portfolio is essentially completely invested into domestic tech. I was searching for funds within other sectors like utilities and health care but their funds seemed to have higher expense ratios with lower returns. International funds also seemed to have very low returns compared to the ones I had already selected. Am I going about this the right way? I'm still very new to this. Thank you for your help.
I personally bought FSELX a Semiconductor Fund
Active managed FSELX for the win. Chips aren't going away, but some companies will fail to grow.
Only let it fall x% from top. I had trailing 15% on nvidia and got out when Jensen sold his to cause a big dip. But then I was greedy and bought FSELX and now it’s a blood bath. Should have kept gains in cash.
Not sure. This was one of those late night trades that isnt making much sense to me now. I actually own a LOT of FSELX, which has now grown to more than 40% of my portfolio. To buy SMH wasn’t smart, but it has one big advantage: you can buy and sell at will. To sell FSELX, I have to put in the order and it sells the next day at some unknown price. i had some cash on hand and bought. Probably will hold long enough to get back to even (plus a few if it’s running), and then sell. But if that’s the only semi you’re holding, I’d definitely keep it and add to it. Some people think semis are played out, I strongly disagree. Semis have been by far the biggest grower in my port.
Are you relatively new to investing? It can feel really frightening, my friend. It's so scary. And that fear is part of how markets operate, how crashes happen. It makes you want to sell to avoid more pain, and humans are usually pain averse. I don't have any specific insight on AMD. I own about 300 shares of Fidelity's Semiconductor fund (FSELX), so I believe in the sector. I don't want to fear the volatility, so I like the own the whole Semiconductor space. It's a really confusing industry, so I let the egg heads at Fidelity figure out which are the best companies in the industry. Maybe your next investment should be into something boring. An index fund that won't drop so much in just a short period of time might be nice. If you insist on buying individual companies, consider a long-standing value company that pays a medium sized dividend.
Hey there! I'm somewhat new to investing and have been working on diversifying my portfolio lately. Here's my current split: * BND - $6.5k * VOO - $47.5K * VXP - $10.5k * VXUS - $21k * FSELX - $11k I'm aiming for a 3-fund portfolio. I already had VOO and FSELX before starting this transition. I'm keeping FSELX but not adding more to it for now. In addition to this, I have a substantial amount of company stock - $200k worth, with 70% of it in long-term holding. The last time I sold this stock was at $85. Since then, it dropped by 60%, which was disappointing. However, the price has recently risen back up to around $50, and I'm considering selling. There are rumors of the company getting bought out, which adds to my uncertainty about whether to wait or sell now. I know holding this stock poses a significant risk to my portfolio, but I'm unsure whether patience might pay off. I'm also curious about the tax implications. What would taxes look like if the stock is bought out or transferred to the acquiring company? Additional info: I have a fully funded emergency fund plus extra in a HYSA, and I max out my retirement contributions, so there's no pressure on those fronts. This money is purely to set me up for the future as best as I can. I'd appreciate any additional insight here. What would you all do? Am I overthinking this?