FSPGX
FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
Mentions (24Hr)
0.00% Today
Reddit Posts
This year is absolutely crazy so far
Are there scenarios where semiconductors, microchips and AI won't thrive in the long run?
22yo, $28k Roth IRA. Rate my 60/20/20 "Aggressive Global" Portfolio.
Does This 5–10 Year Growth Portfolio Look Solid? AI + Core ETFs
401k Investments - Would this be good for long-term growth?
What is your take on an ETF vs. Mutual fund given similar holdings/expense ratio?
Should a Roth IRA make use of a Large Cap Growth fund in your 20s?
Should I change up my current distribution on my 401(k)?
Mentions
Sell everything and put 100% into SCHD, and anything new going in goes to BRK.B, FSPGX, and individual stocks
some of you are wrong about Fidelity. I know one of Fidelitys own funds holds Space X and it's FSPGX, as of 6/30/2026, it was less than 1% value as of 6/30 was $110,704,636 holding in fund 0.241%. I'm sure there are other funds too
This is easy. You don’t need one. Max your 401K (pick index funds that track the S&P 500 or the Total US Stock market). Max your HSA (if health plan option available through work). Max your IRA. Accumulate RSU, don’t sell, reinvest dividend (if you think it’s a great company that is growth). Open a brokerage account either in Vanguard or Fidelity. Once you max all the above, invest remaining money every week in VOO or VTI, VUG, and VXUS ETFs if Vanguard or FXAIX, FSPGX, FSPSX if Fidelity (Ratio 50:30:20). That’s it, don’t worry about individual stocks. If you need more input feel free to DM me.
TLDR: VT and chill Hello, responding here because I am also unhappy that my passive funds will buy SpaceX. I have decided to not take any action regarding the SpaceX IPO, and accepting that my funds will buy it even though this IPO seems like an obvious grift. I am not trying to convince you to take action or not take action, just explaining my reasoning because this IPO has made me worry about my portfolio and maybe this will be helpful to you in your own decision. First let's understand what types of funds could be affected by the IPO: \- Total world market funds (VT and the like). These track the total world's equities market, which is roughly $154 trillion in market cap. \- Total US market funds (FSKAX, FZEROX, VTI, VTSAX, and the like). These track the total US equities market, which is roughly $77 trillion in market cap. \- S&P 500 funds (FXAIX, VOO, and the like). These track the largest 500 companies in the US by market cap, which total to about $62 trillion. Note that this is about 80% of the total market. \- S&P 100 funds / Mega cap funds (FGRTX, QQQ, and the like). These track roughly the top 100 companies in the US, totaling roughly $55 trillion. Note that this is roughly 70% of the total market, and roughly 89% of the S&P 500 \- Large cap funds (FNILX, FSPGX, and the like). These are functionally equivalent to the S&P 500 so I will not add anything here, they may be slightly larger or smaller percent of the total market than the S&P 500 depending on holdings. \- Mid cap, small cap, and international funds: unaffected The first thing you want to think about is: what are you invested in? You don't have to go super granular but most passive investors have their investments in some version of the above funds. Are you more of a total market person, or more S&P 100? It doesn't matter which one you are, but take a look at your portfolio and understand what you are invested in. Now let's assume SpaceX does IPO at $2 trillion and let's look at how the SpaceX IPO affects the broad categories: \- Total World Market Funds: 2 / 154 = 1.2% of the total world market \- Total US Market Funds: 2 / 77 = 2.6% of the total US market \- S&P 500 and other large caps: 2 / 62 = 3.2% of the S&P 500 \- S&P 100 and other mega caps: 2 / 55 = 3.6% of the S&P 100 Now let's assume that the worst case happens: SpaceX IPOs at 2 trillion, and then the price goes literally to 0. If you are mostly in total market funds, your portfolio would go down by 2.6%. If you are mostly in large cap funds, your portfolio would go down by 3.2%. If you are mostly in mega caps, your portfolio would go down by 3.6%. But let's be realistic, even with this IPO likely being an Elon grift, do we really think this is going to 0? I don't. Maybe it loses 50% of its price, maybe 80%, I don't know. But it's a real company with real revenue (though small revenue compared to its huge valuation), so it's not going to 0. I'm not going to redo all the calcs but just for example, assuming it goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by 1.6%. But here is the biggest consideration: 100% of SpaceX is not going to be publicly tradable. We don't know exactly what the percent it is going to be but likely only like 5%. This means that the indexes will only track 5% of SpaceX's market cap. So assuming SpaceX IPOs at 2 trillion and goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by (2 \* .05)/62 = .16%. To be clear, this is like a fifth of a percent, which is inconsequential, the market moves more than this on a daily basis. Another point: I don't know what is going to happen in the future: I don't know if SpaceX's price will actually shoot up for whatever reason, so as an uninformed person, I think actively shorting SpaceX is not a good idea. Remember the famous quote "the market can remain irrational longer than you can remain solvent". I am a regular person and don't have any privileged information about what is going on with SpaceX so I think shorting it would be equally risky to shorting any other company that doesn't have a high-profile controversial figurehead as Elon Musk, which is something I wouldn't do (and likely something other passive investors wouldn't do either). At the end of the day, passive investors get to benefit from all of the companies in the market without having to do the work of researching and understanding each business, and making bets about which one will go up or down. We have benefitted from all the other great businesses that have continued to skyrocket without having to use a second of time to evaluate them. If you want to take action against the SpaceX IPO that is totally ok, but you could be introducing complexity to your portfolio, and spending your valuable time thinking about how to hedge against something that will impact your portfolio less than regular daily market fluctuations. Again, not trying to convince you one way or another, and to reiterate, I am not happy that I will be buying into this IPO passively because I do think it is a grift, but by looking at the actual numbers I have decided that this is not consequential. So to summarize all of this information, even though I am more of a Fidelity stan than Vanguard, "VT and chill".
mutual funds are >>>> etf's for long term investing FSPGX or FXAIX and just throw in whatever dollar amount, is easier than buying ETF's
I believe you should invest in ETFs in your Roth and equity heavy mutual funds in your 401k (like FSPGX or some shit). Max them out. After that, put your remaining money into high growth stocks in your personal taxed investing account (Google is a solid option as an example). Then allocate $500 or something depending on your risk tolerance every month as gamble money which you play options with.
Probably do 3k SCHD, 3k BRK.B, 3k FSPGX and use 1k for swing trades use the profits for more of the 3 holdings and rinse and repeat with that 1k for swing trades move profits to big3
I am new to investing, I'm 26 and want to be slightly aggressive now while I'm young but I dont want to be stupid. I had asked AI a bunch of financial questions and im not one to rely on AI alone, I wanted to bring its idea here to real people to confirm or deny if this is a good strategy. The strategy is as follows Roth IRA: 50% FSPGX 50% FISVX Individual: 40% FXAIX 30% FISVX 30% FDTX End of every year, 10k in FXAIX I would like to have a set it and forget it mentality to avoid emotional selling with anything TOO risky. But again, im young, so I would love to be slightly aggressive. Anything I should change before I do this strategy? Anything im overlooking? Is this considered slightly, highly, or not at all aggressive?
Good job getting started. You still have 20 years until retirement and a 6 figure salary. My recommendations: - Add a growth fund. FSPGX or SCHG, and make it 30% of your Roth IRA. Keep FSKAX at 70%. Stay on this path until you 58. - Max out your Roth IRA every year and focus on staying employed. - If you have extra money left over after paying your routine bills, use similar ETFs in a taxable brokerage account. Example: VTI and SCHG.
I invest 90% into SCHD, BRK.B, and FSPGX the remaining 10% is in a few stocks and swing trades
just buy up FSPGX. it's much easier to throw a dollar amount than buy ETFs. you can check out the holding, it's all the good companies, and you don't need to buy anything else
Only issue is the Target Date fund. Too bond heavy for you to catch up. Recommendation: 70% Total USA and 30% Large cap growth in your IRA until you turn 55 years old. Reevaluate at 55 for safer choices. - FZROX 70% - FSPGX 30%.
I may just redistribute the remaining 20% to the other 3 funds or keep FSPGX exposure small (5% or smaller). My 401k plan does not have any low-cost EM fund. I have a Roth IRA with 30% into FTIHX, which should include EM.
I could drop FSPGX and allocate that 20% towards FSPSX (International Fund) to make it 30%?
>I get where you’re coming from on factor tilting — small‑cap value and quality/profitability tilts have strong academic backing. If my 401(k) offered low‑cost factor funds, I’d definitely consider adding a tilt. You are adding a tilt though, just one that seems to go against research: >**FSPGX** (large‑cap growth) >For now, I’m sticking with a straightforward, behaviorally sustainable allocation that fits the constraints of my plan. You still can, I'm actually suggesting you simplify further by dropping a fund.
I get where you’re coming from on factor tilting — small‑cap value and quality/profitability tilts have strong academic backing. If my 401(k) offered low‑cost factor funds, I’d definitely consider adding a tilt. But my plan’s lineup is pretty limited. The cleanest, lowest‑cost options available to me are: * **FXAIX** (S&P 500 index) * **FSPGX** (large‑cap growth) * **FSMDX** (mid‑cap index) * **FSPSX** (international index) Given that, the most rational approach is to build a simple, diversified, low‑cost portfolio that approximates total‑market exposure. I’m not avoiding factor tilts — I just don’t have the tools to implement them properly inside this 401(k). If I ever want to tilt toward small‑cap value or other factors, I’ll do it in my Roth IRA or taxable account where I have access to the full universe of ETFs. For now, I’m sticking with a straightforward, behaviorally sustainable allocation that fits the constraints of my plan.
> the portfolio is considered strong because it's diversified and fully equity-based As of January 2026, the "Magnificent Seven" companies (Apple, Amazon, Alphabet, Meta Platforms, Microsoft, Nvidia, and Tesla) account for approximately 33.8% to 35% of the total market capitalization of the S&P 500. (FSPGX), roughly around 35% to 40%, is the mag 7. Big tech growth has taken over those 2 such that if they under perform, diversity of those 2 has been overwhelmed and cannot be overcome in your portfolio. I recommend a percent closer to what Familiar-Stranger172 wrote, if your not in love with AI and big tech.
A Roth is a taxed advantaged account so yes - there you can move the positions around. All the funds you mentioned are Fidelity funds - I assume you have a Fidelity account. If so - if you plan to consolidate FXAIX and FSPGX - you may want to consolidate into FNILX which is basically a zero expense version of Fidelity's large cap index fund. FZIPX is Fidelity's zero expense version of FSKAK. See here for list of Fidelity ZERO funds - [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds) As for allocation of holding a total US market index fund and a US large cap index fund. The reason why some people may choose to hold both is to have a heavier concentration of their portfolio in large cap funds even though the funds may be similar.
My question is am I being dumb by being invested in FXAIX, FSPGX, and FSKAX in my Roth IRA? The money is already taxed so no penalty for moving stuff around as far as I'm aware. I've researched a bit and it makes me question if those three are all too similar and I'd be better off just consolidating it all in FXAIX. I know FXAIX performs better in the long run, but at the moment it's not the best performing of the three. I'm very much of the set it and forget it philosophy so I'd love advice on if I should just leave it as is or combine a couple of them or all three. In total I'm invested in 7 index funds which despite seeming like great advice when I started now seems to be more than what most people do. Thanks for your thoughts!
Despite the name including the word "growth" and great recent returns, long term has tended to favor the complete opposite: small and value over large and growth. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/ >FTIHX at 20% feels like enough international exposure to avoid being 100% US, without dragging down returns too much if the US continues to outperform But waters them down if international continues to over perform (2025 favored ex-US). This isn't an uncommon event, over 40% of 10 year periods since 1970 have favored developed ex-US over the US, which isn't too far off from a coin flip. In fact, last I checked, many places were expecting markets to favor international over the US for the next decade or two (valuations playing a large role in that). >FSPGX is my "aggressive" bet. I know it overlaps with FSKAX, but I want to double down on growth/tech while I’m 22 As covered above, "growth" as a style has tended to under perform in the long run. You may be reducing your expected returns with this. Sector bets are uncompensated risk. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. What makes you think that tech is either the only sector still under valued or the only sector not over valued? >-Is 20% International (FTIHX) a good middle ground? I see some people say 0% and others say 40% (market weight). I’m trying to find the sweet spot for maximum growth. This is impossible to tell ahead of time. Take a look at Figure 4 here: https://www.bogleheads.org/wiki/Domestic/International a 37ish year period where anything more than 10% US hurt your returns. Figure 2 shows roughly the same time length where the best returns were with 40-50% international (when we exclude emerging markets). >Are there any specific "gotchas" or better fund equivalents at Fidelity I should be using instead (e.g., FZROX vs FSKAX)? Do you prefer the few hundred extra holdings or the very tiny expense ratio difference? Does it matter to you if FZROX follows an index Fidelity designed themselves?
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.
Calling this a “high-yield savings engine” is delusional. You are triple-dipping on the exact same companies: FSPGX and VUG are already top-heavy with the specific tickers you listed individually. This isn’t “diversified stability," it is a massive sector bet with extra administrative work. If big tech stumbles, your capital evaporates. Just buy QQQM and admit you are gambling.
Lmao high yield savings engine =\= growth stock portfolio. Also, look at the composition of FSKAX, FSPGX, and VUG. They have high compositions of MSFT, GOOG, META, NVDA.
In no way, or direction up or down, will this function like a high-yield savings account. What’s the sharpe ratio on the tests you’ve run? You choose FSPGX to “not overly concentrate the portfolio” but this is an intensely concentrated portfolio without it. How did your tests compare this to 100% VUG?
FSPGX and FXAIX are dominated by the same mega-large US companies. I'd do just the S&P 500. I'd do either the mid cap index, or the mid-cap value, but not both. very long-term mid cap value has been an exceptionally good investment but that might mean 10+ years of disappointment. I'd boost the international allocation closer to 30% or more.
**I’m a freshman in college, with about $6,500 in my account – what should I do to maximize my savings?** **I’m a freshman in college, and I’ve been working since I was 14, but for the first time in my life, I don’t have a steady income.** I’ve saved up money over the years, and most of it has just been sitting in my Fidelity account earning interest. Now that I am on my own and thinking more about the future, I want to start building an actual investing plan instead of letting my random positions sit here. I also have a few individual stocks I bought earlier, including NVDA, but my portfolio definitely isn’t balanced. I want to take my investing seriously, but I don’t know the best way to diversify without giving up potential gains. In my current portfolio, I have 0.061 shares of CRWD, 4.549 shares of FSPGX, 5.058 shares of FXAIX, 0.944 shares of META, 0.117 shares of MSFT, 19.006 shares of NVDA, 1.5 shares of SYM, and 0.797 shares of VOO. In total, my portfolio is up about 122% in 4 years. If anyone has any suggestions on how a younger investor should be thinking about diversification, long-term strategy, or even what mistakes to avoid early on, I would really appreciate it.
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?
Why is FSPGX better for taxable and not for a roth ira?
When you say: “Better” I’m assuming you mean returns? Yes there are. ETFs and Funds like QQQ/QQQM, FTEC, FSPGX, just to name a few, are aggressive growth funds that focus on a particular sector or exchange, or Company cap size. Nasdaq 100 focuses on the top 100 Companies listed on the Nasdaq exchange. Not nearly as diversified as an S&P fund or a Total Index Fund. But they’re not supposed to be. These funds are for aggressive growth. They will always outperform less risky funds in an up market or a Bull Market. But in a down or bear market, you are more susceptible to a larger decline, due to them being less diversified. But for me, the reward outweighs the risk. And historically markets go up overtime. If market goes down, I keep buying. Goes sideways I keep buying. Goes up, you get the drill. If you wanna be conservative, buy the S&P or a total index ETF/Funds, and something else that is more aggressive for growth, if that helps you sleep better. I am a big proponent of the NASDAQ, because of the many Companies they housed that I personally value. And I believe these companies will continue to go up in the future for years to come. We have lost the ability to do some many things well in this country. Except Tech. It is one of the only things we still excel at business wise here. So much so when Tech is down, the market goes down with it. That sector alone has changed so many people’s lives.
Start Fidelity account FXAIX 70% FSPGX 10% 20% international
I would stick with FSPGX over FNILX as it has performed a little better.
FXAIX is a great fund, also FSPGX is another good one which performs a little better
10% Growth is WAY to low. Aggressive growth should be the bulk of your investment percentage. QQQ, QQQM, FSPGX, etc. These are just examples of high growth more risk ETF’s and mutual fund. You can choose which ever ones you and Husband are comfortable with. You taper down the aggressive growth as you draw nearer to retirements. Right now you are trying to grow your investments as quick as possible while you are young.
if taxable, pour money into FSPGX. Growth is better for taxable. If this is tax deferred, stick with FNILX and FZROX.
Yup. I have a mega-cap mutual fund, which has averaged 18+%/year over its lifetime, FSPGX. It contains heavy concentration in the magnificent 7, just like the OP's list of companies... but it's still not 23%, and I'm not sure if that kind of growth is sustainable for another 30 years. Personally, the only way I think someone can see that type of return is to gamble significantly on crypto. High risk - high reward needs to be done with expendable cashflow.
She’s right to be upset. I’d put some in FSPGX, some in stocks you believe in (I’d recommend AI related but whatever floats your boat), and then look at it monthly and decide if you should update. If you keep waiting to buy the dip you’ll miss out (as you already have).
FSPGX Learned about the existence of ETFs
How would you rate this portfolio with emphasis on long-term growth and income? FSPGX-33.33% VOO-33.33% VIG-33.33% What could be added, adjusted or removed to strengthen this portfolio? New to investing, hungry to learn.
S&P500 tracker, doing FNILX which doesn’t name S&P500 but should track close and zero expense, also buying FXAIX which does track it just to see how they compare QQQM- cheapest Nasdaq tracker FSPGX- large cap growth fund. Bought some when I was first deciding what to get, just leaving it and probably won’t buy more. Strategy now is to buy S&P500 when market is going up and QQQM when market is down. Idea is I think QQQM outperforms long term but downside risk is too much to be 100% in, I want more during recovery periods, less when markets are at ATHs (most of the time I know). Goal is to get historically avg S&P 500 returns and a little juice from QQQM when it’s recovering from low periods. Eventually when I’m ahead of target goals I’ll put excess $ into VTI and VXUS for more diversification.
I have SCHG, FSPGX, and FXAIX in various different accounts, and they’ve all done great.
buy FSPGX, not FXAIX. look it up. same exact kinda index fund, but FSPGX does better because it's more top weighted. that's what i do.
You can check historical returns on [portfolioslab.com](http://portfolioslab.com) for etfs/index funds/mutual funds/closed funds. This will include fees and dividends reinvested. eg Here is FXAIX vs. FSPGX. [https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPGX](https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPGX) If you zoom out to 10 years it looks like FSPGX is a big winner.
Mine are for retirement as well. But it's cash in my ROTH as of this evening so having it sit as cash doesn't give me much return possibility. I hold ETFS as well as FXAIX, FSPGX, [SWISX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWISX), [SWPPX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWPPX) and [SWLGX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWLGX) depending on where the retirement accounts are held.
Yeah, I certainly don't like the ratio but I've never had much interest in bonds to be honest. Looking even as far as the 2060/65 target vanguard fund, they still allocate about 8% to bonds. Given my current financial situation I am doing my best to be a bit more aggressive with growth stocks. As I get closer to needing funds I plan to dial it back. I know only 1% of what most here know so I'm just sort of picking brains and taking in all the info that I can. I'm curious what the opinions of SCHG are here? I was also eying VXUS and VTI. I don't know what sort of value you guys put on Morningstar but they rate both of those vanguard ETFS at 3 stars. Recently, i moved My ROTH from vanguard to fidelity and moved a bunch from a high expense ratio vanguard fund to **FXAIX and** **FSPGX** and it's done well thus far. Dave
open an account with fidelity, and just buy a mutual fund instead. it's easier to invest straight dollar amounts than buy shares of an ETF, plus a fund reinvests the dividend for you. FSPGX or FXAIX. although i wouldn't worry about this shit until your early 20s. you need accessible money now, not a Roth IRA
If you're going to be using Fidelity I would buy fidelity index funds. FXAIX (sp500), or FSPGX (large cap) Are the two best performing in my research
Follow the boglehead approach until you have a nice sizeable chunk invested in broad market low cost index funds. Once that's established you should have an idea on how to research companies, and get a better idea on what stocks you want to invest in individually. Limit it to 10% of your portfolio. I just started investing about 4 years ago. Majority of my money is in VTI/VOO/FSKAX/FXAIX. I have a small amount in VUG/FSPGX and BRKB. So the only individual stock I have right now is BRKB. My base is almost set and soon I'm gonna look into some other individual stocks.
Rebalancing 401k Day Hello all, Yesterday was rebalancing day for my 401k plan (1 year since I initially started investing in the plan). I don’t love my providers fund options but I do it for the company match I get. When I first started I was only in three funds with very limited diversification, a realization I had yesterday. So for rebalancing I decided to go with the allocation model of 45% FSPGX (large cap growth, ER: 0.03) 20% AEPGX (Europacific Growth, ER: 0.85) 20% RREMX (Emerging Markets, ER: 0.88) 10% VMGMX (Midcap Growth, ER: 0.07) 5% VEVRX (Midcap Value, ER: 0.54) This is a change from 80% FSPGX, 10% AEPGX, 10% VMGMX. My thoughts was to take some more risk and get more diversified. I am 23 so long time horizon that in my mind justifies the 100% equities. Any advice or just general comments would be greatly appreciated. I like to use Reddit as a sound boarding.
As a fidelity user, **FSKAX**, **FSPGX**, and **FXAIX** are all amazing, broad, medium risk, and the majority of my steady growth strategy portfolio. I have been looking into "riskier" options like **FDIS**, **FSTA**, **FTEC,** **ONEQ****,** and **FHLC** because I trust those markets will consistently grow. The ups and downs of those "riskier" funds will be more significant than the S&P 500 but less fluctuation than a single stock. In addition, those MSCI funds are not dependent on the US total economy, but focused on specific dominant sectors in the US economy. If you have a low risk tolerance, looking at bond funds like FXNAX would be perfect to lean into as you get closer to retirement! I hope this helped out!
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
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.
I do! My portfolio consists of FXAIX, FSPGX and VGT. I now have this extra cash I wanted to dabble in individuals stocks. I had planned to hold them for the long-term, but you are right.. who knows if Reddit will be around in 30 years. Certainly, if it came to it, I'd just move the funds into FXAIX.
The 3.5% dividend in SCHD is not worth the underperformance compared to VOO and especially FSPGX. Swap it out for those two.
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
With so many large cap growth index options available theres no reason to hold this fund when you could hold something like FSPGX which hasnt had a cap gains distribution since 2021.
You are 19 assuming we are talking ira and the time horizon is 30-40 years away put it in to FSPGX ytd 34% or QQQM. Both them have out preformed a total market or S&P. They are more volatile but you are young and trading potential returns for volatility is a good deal
True, but I'd also like to know other people's thoughts on FSPGX vs FXAIX.
what do you mean by "Ko is expensive" and "FSPGX is more affordable"? Just go with a broad low cost index fund like VTI or VT..
It's not bad, but those fees are very high. Why not use FSPGX? 1. It's cheaper 2. Has done better 3. More diversified It's basically the Fidelity equivalent to VUG.
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%
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.
Way too much overlap in 500 stocks 85 % of the SP momentum is centered around a 6-7 tech stocks. When the rotation starts your returns significantly reduce. FSPGX is good but still concetrate in exactly same stocks with a bit diversification. If we experience another 2010, 2018, 2022 kicking yourself not having right portfolio like most aggressive investors.
Compare 2 like funds, FSPGX is similar to JLGMX but expense ratio is 0.035%.
Comparing the two specific funds you asked about JLGMX (an actively managed growth stock fund) and FXAIX (an SP500 index fund). You can certainly get the same growth exposure with much lower fees and even better performance with any decent growth stock index fund, e.g. VIGAX, VUG or FSPGX. If you're in a 401k plan with limited investment options it might be worth paying the higher fees to gain access to better performing growth stock funds.
Or just FSPGX, SCHD, TSLA, BRK.B
I just love the potential earnings of FSPGX. My account currently has 16 stocks in it, with my highest position being META at 12.8%. A lot of the stocks in FSPGX, I already own though.
USFR, AGG, VTI, FSPGX, UPRO are all index funds. USFR is similar to a money market fund and with no risk. AGG holds a portfolio of bonds and has some risk. SPY and FSPGX hold stocks and can lose a bunch of money in a bad year (like 50% in 2008). UPRO is highly leveraged and can lose almost all of its value in a bad year. You will need to determine how much you are willing to lose if things go against you. 0% -> money market fund 5% -> commercial paper 10% -> broad bonds 20% -> mostly bonds, some stocks 35% -> stocks and bonds 50% -> mostly stocks more -> leverage
The ones I was looking into are under categories like Value Funds, Growth Funds, Performance Funds, Emerging Markets and Sustainability. I guess, what should I be looking for if I have a relatively high risk tolerance and want to maximize gains? I know ETFs and money market funds like VMFXX are as “safe” as you can possibly get, but then I look at ones under the other categories I mentioned above and see the percentages I could be getting back like FSPGX. Why shouldn’t I put my money in there vs VUSXX/VMFXX?
First ask yourself "do I need this money now and what is my time horizin?" If you don't need the money at this time than invest it. Investing your HSA is as simple as selecting a fund, clicking buy, and then fidelity will ask you where the funds will come from. You'd be using your money under the HSA umbrella and so the fund you purchase will be under that umbrella as well. Some great funds that I personally like are FXAIX, FSPGX (similar to FXAIX). A total stick market fund would be good too. I personally invest my HSA in FSPGX. You won't get hit with taxes if you sale as the HSA is triple tax advantaged. You will get hit with taxes if you use HSA funds to purchase non related health expenses. The HSA is a wonderful account. I would advise watching The Money Guy's episodes on HSA via YouTube or Googling HSA and reading up on the account. Lastly, formulate a game plan. Personally my game plan is to leave my HSA untouched and invested. I do kit plan to touch it for the next 40 or 50 years. If invested it could easily grow to several million to be used for care expenses when I am old. Not ever financial plan is right for everyone but for me thus is the right plan for my HSA.
What about FSPGX(Russell 1000 growth), SCHD, FTIHX( international index), FXNAX (bonds)
What about FSPGX(Russell 1000 growth), SCHD, FTIHX( international index), FXNAX (bonds)
There are a number of funds that have out perform the S&P500 fund consistently, but there is a strong bias against them as they are deemed riskier due to being concentrated in a single sector (US large cap technology). Past performance of this funds, like VIGAX, VONG, FSPGX, SCHG, etc, is claimed to not to be trusted and that only the S&P500 can be trusted. Some rational to this position as we are talking about 30 years versus 100 years. PRWAX has a large expense ratio, 0.76%, but over 5 year and 10 year it has outperform VFIAX. It under performed over 3 years as large cap growth took a larger beating in 2022 than the S&P500 did. For comparisons, I like to use Portfolio Labs https://portfolioslab.com/tools/stock-comparison/PRWAX/VFIAX
What do you guys think about FSPGX ?
My preference is large cap growth funds that have been returning higher returns than the S&P500 like VIGAX, SWLGX, FSPGX, or SCHG.
Why so light on ex-US? at 5%, you're not getting much of any benefit. Common current recommendations would be closer to 40% of stock. Why not merge FNILX + FZIPX into FZROX? FSRNX may already by covered by FNILX/FZIPX or FZROX. SCHD and FSPGX are covered by FZROX/FNILX and maybe FZIPX. Why SCHD? Why FSPGX? >I want to be aggressive for future growth. Be sure you aren't mistaking performance chasing with being aggressive or thinking that recent past is a good predictor for how the future will play out (this is especially relevant to the large growth tilt and massive under weight on ex-US).
I've been holding FSELX, FBTC. It's tech heavy but very profitable so far. I strayed away from an international fund cause it's just not done very well. I know it's a bogle method to hold an international one but until there's a tech burst or something, I'm fine with my 25-50% returns on FBTC & FSELX. My Roth has FSKAX & FSPGX 70/30 respectively.
I did 30% FXAIX, 30% FCNTX, 30% FSPGX and 10% in SPAXX for trading options
>I was thinking of moving this to another similarly performing fund (FSPGX), with a much more affordable P/E of 0.035. If two funds are performing similarly, why does P/E matter? From the perspective of you have money, you could invest in either one of them, at the end you're expected to have about the same returns, but they have different P/E. Why does it matter? Either way you'll have about the same returns.
I'm a relatively new investor. I've been diligently contributing to my IRA account, but only recently found out that my contributions were going into money market funds and not into any of the various mutual funds that were rolled into from previous company 401Ks in-like mutual funds (Thanks to reading Ramit Sethi's book highlighting the importance of paying attention to your IRA investments). I made sure to put my contributions into mutual funds in my IRA account and consolidated all of them to a target-date fund and a growth fund that appeared to be performing well (FDGRX). FDGRX has an P/E of 0.72, which isn't too bad, but isn't great either. I was thinking of moving this to another similarly performing fund (FSPGX), with a much more affordable P/E of 0.035. However, after looking at [this post about zero-P/E mutual funds](https://www.reddit.com/r/investing/comments/10zwehe/are_fidelity_zero_funds_really_a_good_deal_theres/?utm_source=share&utm_medium=web2x&context=3), it looks like a better strategy is to consider investing in zero P/E funds (such as FZROX or FNILX) in the IRA and perhaps investing in FDGRX or FSPGX in a brokerage account. I thought to post to ask if the general school of thought is to have mutual funds with the lowest or no P/E-ratios in tax advantaged accounts and better to have mutual funds with higher (but still acceptably low) P/E-ratios in brokerage accounts. Just looking to see if this is the right basic principle to consider as a factor when choosing mutual funds between a tax advantaged account and a brokerage account.
The feeling of opening your brokerage/retirement accounts and seeing green, though boring perhaps, is a lot nicer than the feeling of seeing some green and some red and wondering "Should I sell my total dog stocks at a huge loss or keep hanging on in hopes they recover?" That's not a good feeling. I'm probably 80/20 on winners and losers, but I've also spent hundreds of hours on due diligence and looking at MACD and RSI and all that jazz and I'm *barely* beating SPY. And I'm only barely beating SPY because I have a handful of double-baggers like META and a handful of real dogs like D, ALB, and so on. META, ELF, BCC feel good. D, ZIM, ALB, FUTY feel real bad. My 401k though, it's FXAIX and FSPGX and it's doing great.
I use fidelity and have FTEC, FSELX. XLK or SMH are kinda similar (respectfully).and recently got a position in the fidelity Bitcoin eft FBTC. I use FSPGX over FXAIX. it seems to be a more tech weighted/growth oriented S&P 500 fund. I'm rolling the dice on nuclear/uranium with URNM ETF since there seems to be a uranium shortage currently manifesting. It's volatile but could be a cheeky play if you manage your exposure. I am relatively new to investing (6 months in). Do your own research and good luck 🤙
The difference in expense ratio is because FDSVX is actively managed. SCHG follows an index. The Fidelity fund that aligns with SCHG is FSPGX. It is very difficult to beat the index you're trying to beat consistently over time. One of the things you can control are the fees. I generally like index funds over actively managed. The actively managed fund has to beat the index plus the fee.
How old are you? Depending on that - I’d put it back in the market asap. Personally just did the same thing (30 YO) and have the following: FSKAX - 65% (Total Market - Russell 3000) FSPGX - 15% (Russell 1000 - Growth) FEQIX - 10% (Russell 1000 - Value (dividend)) FPSPX - 10% (EAFE Int’l)
SCHD 50% / Fidelity FSPGX 40% (Same as SCHG) / SSO 10%
Cut QQQ , FXAIX, VOO and put into FSPGX INSTEAD,,, sure keep FBTC but you could just own BTC or ETH in fidelity crypto account super easy,,, and if you like AMZN and NVDA go ahead and roll with them I’d personally swap AMD for NVDA but those are good longer holds My top 3 holdings are TSLA, BRK.B and FSPGX
Index funds unless you are researching stocks heavily. I use fidelity and have a broad US market/S&P 500 (FSKAX/FXAIX OR FSPGX), broad international (FTIHX), and maybe some tech funds like FTEC & FSELX if wanna dabble. HYSA are good if you wanna play it safe. That's all you rly need IMO.
I’m a fan of BRK.B and would be very happy just investing in that as a lone stock for years and I’m bullish on tsla those are my current two biggest investments everything else is FSPGX and building all the rest up little by little
Or just invest in FSPGX or FBGRX
Solid for a 19 year old? Put in 4k about 5 months ago at my highest i was up $454, is it good to hold for a few years then sell? I just started putting in 10$ every week in FSELX and FOCPX . Lmk y’alls opinion. Nothing major just had money I didn’t want in savings . Also the 4k is in FSELX , FOCPX and FSPGX.
(10) SOFI at current price 7.30 equals $73, the remaining $27 add (1) RVIN $17,,,leaving $10 to put into (1) RKT Or (1) XOM, Or all into FSPGX
Although fairly new FSPGX is a great low cost passively managed index fund that tracks the Russel 1000 growth index . To be honest you’ll get better results from buying a low cost index fund and dollar cost averaging than trying to pick individual stocks. You’ll be greatly increasing your risk if you don’t have at least 100k and experience in stock analysis, buying through DCA and holding a low cost index fund like FXAIX or FSPGX will be your best bet. Consistency and patience will be your best friend.
I prefer great stocks with good fundamentals and track record But most advice I hear is put $$$ into a fund Stocks vs funds I lean towards stocks but I am slowly adding to a large cap growth fund Like is there a better ratio of stocks/funds Currently holding: (2) brk.b, (4)tsla, (6) Xom and adding to FSPGX, $400 for swing trades ….3k account, just started plz don’t laugh to hard:)
I feel really good about the upcoming week and the sector as a whole. I do not mind the noise between the news drops. Every week adds new potential catalysts and the pressure on congress to act on cannabis just gets higher and higher. Republicans now want reform on cannabis almost as much as Democrats, the only differences are in the specifics of how the reforms should be carried out. The lack of pushback on cannabis issues this year has been **very** telling. Large and mega cap companies are finally lobbying for cannabis reform because they're seeing the obvious turning of the tide and there's money to be made. There's really no stopping it at this point short of WW3 or a coup; the only questions left are the timing and exactly how the reforms play out. What else... Mike Johnson's scandals are piling up and he is not likely to survive as Speaker through November. The guy is such a weird creep; the closer people look the more skeletons pop out of his closet. Leave it to Republicans to elect a Speaker that claims to not have a single bank account because he's so deeply in debt. No financial disclosures since 2016? I wonder what/who else is in that closet besides skeletons, hmm? Adding to key positions this week regardless of market action, especially CWBHF. I really like the story, the approach, and the brand. CBD is going to be such a huge industry. I've been with cannabis my entire life but never appreciated how amazing CBD is until recently. It's such an incredible little wonder. I think the full medicinal potential has barely even begun to be understood. Onward and upward, and good luck to everyone this week! PS: Markets will probably have a big dip this week. There are a number of technical, statistical, and sociological reasons but unless underlying strength takes a big hit this is a dip to buy and for the first time in a couple months I **will** be buying into a non-cannabis dip if it occurs. TAN, TLT, ARKK, and probably restart my previously liquidated positions in index funds (FXAIX, FSPGX).
What do you think of Growth (FSPGX) and Total Emerging Markets (FTEMX) added to the portfolio of FSKAX and FTIHX?
FBGRX isn’t an index fund, it’s an actively managed large growth mutual fund. If you want an index of large growth, get FSPGX.
FSKAX 80% The remaining 20% is either FSPGX or FTIHX. FSPGX if you believe in the USA large cap more than International.