FSGGX
FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS
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Is there an ideal day of the month to make my recurring purchase of index funds in my IRA?
Mentions
I appreciate the help and details a lot ty! I just googled these and both of the ones I'm looking at (FSGGX and MXJVX) are non- hedged
I decided to simplify my Roth as I've gotten crazy over the last couple of years. Soon to be 31F and would love to FIRE at 50, even if it's some version of Barista or Coast. Any thoughts on something like this? 35% FXAIX (S&P 500 - large blend) 25% FSGGX (Int'l excl. US - foreign large blend) 10% FMDGX (midcap growth) 5% FDLXX (treasury only money market) 5% SPAXX (gov't money market) 20% stocks
Put me down in the financial advisors are not worth it group. The internet can give you the same advice an FA can give. I will give your FA credit though 1. Put you in low cost Fidelity Mutual Funds and not in commissioned funds 2. Your portfolio is mostly diversified, but underperforms the S&P 500 Index is my guess FSPGX 5 year annual return 18.88% FLCOX 5 year annual return 8.08% FSGGX 10 year annual return 5.26% FSMDX 10 year annual return 10.26% FSSNX 10 year annual return 8.60% But, you are here for a reason. You have come to the conclusion you could have done the same thing, buy mutual funds and not pay the 1% AUM. I am retired and I never used a financial advisor. I feel I know more than most any FA I will run into, especially if they work for a bank or an insurance company. Long ago I came to the conclusion to put our retirement accounts into the S&P 500 Index. It worked out well for us. We own taxable small cap value mutual fund and a taxable international fund to be diversified. You are 22 with $58,000 in investments, WOW. When I was 22, I was dead broke, and had no clue, but I could drink beer. Vanguard might offer those Fidelity Funds. You could roll them over to Vanguard, FREE, and sell them. If you what you paid for them is less than what you sell them for you will pay taxes on the gains, you cannot avoid capital gains if you have them. No one ever went broke taking a profit.
>FKIDX for Roth IRA Why this instead of FTIHX, FZILX, or even FSGGX?
>I know there’s some overlap bc I essentially have VTI with two stocks but I invested in the S&p500 first and later decided I wanted some more market exposure so I got FSMAX. If you want market cap weight, since this is an IRA, there's no issue moving FXAIX & FSMAX to just FSKAX or FZROX. >FSPSX Is there a reason you only want developed markets? FTIHX, FZILX, or even FSGGX would all include developed + emerging in one.
Hello everyone! I (21M) am currently a college student making around 20k (gross) a year. When I turned 18, my family suggested that I invest money into a traditional IRA, and I have been doing that ever since. I currently have around 20k in my IRA invested in usual stuff like FXAIX, FSGGX, etc as well. However, I am starting to think that this wasn’t the best idea, and that I should’ve gone with a Roth IRA instead. Should I start investing in a Roth IRA now, or stick with putting money into my Traditional IRA? One potential idea I had in mind was to invest in a Roth IRA starting now until I (hopefully) exceed the income threshold of around $150k, after which I go back to investing into a traditional IRA. I am wondering what you guys suggest. Thanks!
>FSPSX - international - 0.035% Be aware that this is basically developed market large (maybe mid as well) caps only. FTIHX, FSGGX, or FZILX are all developed + emerging and at 0.06% or less ER. Or there's FPADX if you want emerging but would rather add a fund to do so than change (such as if this is a taxable account).
Make sure to contribute at least 6% to your 401k to get the full employer match, as it's essentially free money. If you need to maximize your current take-home pay, contribute pre-tax, but Roth contributions will allow you to withdraw the money tax-free in retirement, which is a significant long-term advantage. Continuing to contribute to your Roth IRA in FXAIX is an excellent choice due to its low cost and growth potential. Given your desire to be aggressive and avoid bonds for now, a good allocation could be: 60% in FXAIX for large-cap, 20% in FSMAX for mid-cap, 10% in NRGSX for small-cap, and 10% in FSGGX for international diversification. This diversification will help balance risk and growth potential. Keep a diversified portfolio and review your investments at least once a year. Adjust your contributions between pre-tax and Roth according to your financial situation and tax goals. Maximize your 401k match, keep investing in your Roth IRA with low-cost funds, and diversify your 401k according to the suggested allocation. If you want, we can talk privately 😂😂. Good luck with your investments!
Since I can't decide, for different reasons I have FTIHX, FENI, FSPSX, FSGGX and FZILX in different accounts. I also rotate them out for tax loss harvesting reasons sometimes.
>entirely FXAIX >Should I invest in anything else There can be benefits to going broader, into both the US extended market (such as FSMAX, or swapping out FXAIX and using FSKAX instead which should essentially be FXAIX + FSMAX merged into one) as well as going global (such as FTIHX or FZILX or FSGGX). There has been and will be plenty of times where favor is not with US large caps.
Dividends aren't free money, the share price drops by the distribution amount. A decent chunk of SCHD is in FXAIX already, essentially all of it is in FZROX or FSKAX. Going global can both help increase returns and reduce volatility in the long run. FTIHX, FZILX, or FSGGX can provide international exposure for a few examples. Expanding into the US extended market can also be beneficial (US total market style funds exist, such as the FSKAX or FZROX I mentioned above).
FTIHX is pretty much the entire investable ex-US market. FZILX follows a Fidelity in-house "index" and lacks small cap. FSGGX lacks small cap. There are also funds that only contain developed or emerging markets. I like FTIHX.
>I'm going to start investing into Fidelity's FSFAX (Total Market Index Fund) into my Roth IRA, Pick 1 from: FTIHX, FZILX, or FSGGX. There's benefits to going global as updated to the US only that FSKAX would be. >Also, I'm considering doing hand-selecting of dividend stocks and tap into the DRIP and let it compound over time. However, just wanted to know if there are those who've opted for Dividend ETFs ? The purpose is really to take care of month expenses (e.g., Rent, groceries, gas, etc.). For non-retirement accounts? First, dividends aren't free money, the share price drops by the distribution amount. Second, even dividends focused find like SCHD only distribute a small amount of the share price, so you'll need a lot of it before it makes any noticeable difference. It'll take years before the distributions even pays for itself.
For a 25 yo I would recommend something like 70% FXAIX, 15% FSMAX, 15% FSGGX. That mix would give you some more diversification as opposed to 100% FXAIX, which would be heavily concentrated on large cap US stocks.
I would do 100% FXAIX. Maybe 80% FXAIX 20% FSGGX if you want international. Or 80% FXAIX 20% FCNKX if you want to tilt towards tech/growth
>Could also add one for Emerging Markets Or just change FSPSX out for FTIHX or FSGGX.
Why ignore emerging markets? FTIHX or FSGGX both contain both developed and emerging in one.
You are going to have overlap on FXAIX and SCHD Personally I do a split between FSKAX and FSGGX
I’m sticking with simple for my kid - FTSAX and FSGGX to cover the world.
Should I rollover my old 401k to my new job’s 401k? Old 401k Investments: VANGUARD EXT MARKET INDEX INST (VIEIX) - E/R 0.05% VANGUARD INST INDEX (VINIX) - E/R 0.03% VANGUARD TTL INTL STK IDX INST (VTSNX) - E/R 0.08% Maintenance/Admin Fees: $50.00/year New 401k Investments: Fidelity® Global ex U.S. Index Fund (FSGGX) - E/R 0.055% BlackRock Russell 2500 Index Fund - E/R 0.018% State Street S&P 500® Index Non-Lending Series Fund - E/R 0.0027% Maintenance/Admin Fees: $16.00/year
In my IRA I hold 60/40 FZROX/FZILX In my 401k I hold 48/12/40 FXAIX/FSMAX/FSGGX
VXUS, FSGGX (has no small caps, I think), SWISX/SCHF (has no emerging markets, maybe combine it with SCHE)
FSKAX is great, that's what I use for my US exposure. I personally use FSGGX for my international exposure because it also includes emerging markets (including Taiwan). So FSGGX has TSMC exposure while FSPSX does not. Those are the only two funds in my 401k.
What's the marketing gimmick about FSKAX or FTIHX or FSGGX or FXAIX?
I'm pretty sure I've only ever seen 25-30% for emerging combined of FTIHX, VTIAX, FSGGX, and FZILX since I've been paying attention. Any one of those 4 funds would be useful for the 40% of ex-US part of the global market cap (so about 10% or so of the total). Russia wasn't even 1% before the war.
>Off the top of my head, Vanguard uses Russell, Schwab uses MSCI, so its impactful. Fidelity's FTIHX, FSPSX (seems to be very common in 401Ks), FSGGX, and FPADX (the emerging only index fund) also seem to use MSCI. Of major index funds from Fidelity that I know of (that include emerging markets), that leaves FZILX, which follows Fidelity's own index.
My 401k is currently all in an American Century Target date fund, but it has a relatively high expense ratio (0.32%). I've been using a three fund portfolio in my Roth IRA (with Schwab), and I could something similar in my 401k. Within my plan options, I could do a split of FXAIX, FSGGX, and FXNAX. Does it make sense to switch my allocation going forward, or should I leave it in the target date fund? I'm 28 so pretty far out from retirement.
I'd say no to both: >fxaix Lacks the US extended market and every non-US company. >fzrox Lacks every non-US company. Adding FZILX, FTIHX, or FSGGX would help, as they'd cover thousands of non-US companies.
>Is that something to consider or is the difference between a large cap and total market big enough to keep investing in both? Roughly 80% of the weight of FZROX should be the entirety of FNILX. Unless you really want to overweigh large caps, FZROX has you covered between those 2. >Or would there be a different index fund or etf to look into FZILX, FTIHX, or maybe FSGGX (choose 1 of the 3) are good compliments to US total market.