FSPGX
FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
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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
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.
Small cap value, IJS, have a good long-term track record. No growth expected, but stability and dividends. For growth, you are better off with large cap growth ETFs (SCHG or VUG) or index mutual funds (VIGAX, FSPGX, or SWLGX). As you mentioned, sucessful companies leave Small cap growth funds and end in large cap growth funds. Thus, large cap has outperformed the the S&P 500 over a rolling 20 and 40 year period. You can back test this on portfolio visualizer to verify.
Either 20% towards international or towards large cap growth. With Fidelity, these are the tickets: - FSPGX (Large cap growth) - FTIHX (International).
Large cap growth is dominating 2023 YTD. SWLGX 14% FSPGX 14% IWY 15% VUG 17% SCHG 17% QQQ 20%
Lol wtf. Okay 👍 Fidelity manages 401k accounts, right? If you have a 401k through your job that Fidelity manages, all funds you have invested in that account are part of that 401k right? Say you have 100,000 shares of VMFXX, that's your 401k still, right? Now what if you have 100,000 shares of VMFXX and 10,000 shares of FSPGX, does that mean only the FSPGX is your 401k and the VMFXX is no longer part of your 401k for some reason? If so, what's that reason?
Kind of a 5/10 in terms of aggressive. Also, no need for a financial advisor until you are 5 years away from retirement or run a business. A better Roth IRA portfolio that you can self manage and automate monthly is 70% FSKAX and 30% FSPGX. Keep this allocation and invest $500 monthly until you turn 55 years old. Then talk to an advisor.
Start with a few core steps. 1) Get a job that pays $50k or more. 2) Contribute to your company 401k or 403b match if your employer offer it. Either in the S&P 500 or a Target Date fund. 3) Get a free checking account. 4) Build up emergancy fund for 3 months of routine expenses in a high yield savings accounts (Discover, Capital One, or Amex) 5) Open a Roth IRA with Fidelity or Charles Schwab. Then try to max out your Roth IRA annual deposit. For 2023, the IRS has the depisit limit at $6,500. Invest into a Total USA fund and Large cap growth. Automate your investment monthly, and keep investing until your early 50s. Schwab: 70% SWTSX and 30% SWLGX. Fidelity: 70% FZROX and 30% FSPGX Additionally, use cash back credit cards to add more money into either into the Roth IRA or regular taxable brokerage account. For the regular taxable brokerage account invest into a Total USA ETF. Either VTI or SCHB.
From now until you turn 55 years old, invest into FZROX 70% (Total USA) and FSPGX 30% (Large cap growth). You can auto invest monthly in your Fidelity Roth IRA using those 2 index mutual funds. Keep in mind to reinvest the dividends. Large cap growth can help make up for any lost time. Also, it has outperformed the S&P 500 in the last 3 decades when adjusted for inflation and dividends reinvested. Only downside is high levels volitility.
Too much work. Just add a low expense ratio Large cap growth ETF or index mutual fund. They outperform SPY over any 10+ years of investing. Below are a few: \- VIGAX (index mutual fund) \- FSPGX (index mutual fund) \- SWLGX (index mutual fund) \- SCHG \- VUG \- IWY
If you are working, look to open a Roth Individual Retirement Account (Roth IRA) with Fidelity. Invest into 70% into FZROX 30% into FSPGX. Keep doing this while you are working until you turn 50 years old. Keep in mind retirement investing is a long-term game ( 20+ years) If you have anything extra past $541 per month for a Roth IRA, you could invest into Microsoft/Apple/Google in a taxable brokerage account that offers fractional shares.
I don’t think it really matters. ITOT and FSKAX are my go-to’s. I like FSKAX because it’s less liquid (can’t be sold to the open market) so it keeps me from being tempted to fomo into common stock. This year I’m loading FSPGX in my Roth IRA since tech is in the dumps
SCHD- Schwab dividend, FXAIX- fidelity S&P 500, FSMAX- Fidelity extended market, FSPGX- Fidelity Large Cap Growth, FMDGX- Fidelity mid cap growth, FECGX- fidelity small cap growth.
Some options: - 70% FZROX and 30% FSPGX until your mid 50s. - 90% FXAIX and 10% FSSNX until your mid 50s.
FSPGX - Growth tilted S&P 500 mutual fund
The Schwab 1000 is a proprietary Schwab index, so Fidelity won't have anything exactly like it. Closest would probably be FSPGX, which tracks the Russell 1000 Growth.
FXAIX, FZROX, and FSPGX all contain overlapping holdings. FZROX isn't a bad choice, except you cannot transfer it to another brokerage if you need to. (you have to sell it first, so can be problematic in a taxable account). My suggestion (not financial advice), would be FSKAX 80%, FTIHX 20%. Set it and forget it for the next several decades. I know it sounds boring and not very exciting...but that is how its supposed to be. Enjoy your life, and look at your portfolio once a year or even at longer time intervals. Keep investing and don't screw with a well diversified portfolio.
FSPGX and FXAIX probably have overlapping holdings. Might want to change that unless intentional.
Hi all, I'm 21 yrs old and I just recently opened up my Roth IRA w/ Fidelity a few days ago which I have contributed $500 to thus far (will be able to contribute $500 a month). I admit, I probably jumped the gun too quick and shouldve done more research but this is what i currently invested the $500 in: 30% Fidelity 500 Index Fund (FXAIX) 30% Fidelity ZERO Total Market Index Fund (FZROX) 25% Fidelity Large Cap Growth Index Fund (FSPGX) 15% Fidelity Total International Index Fund (FTIHX) It would be extremely helpful if i could get any advice/pointers from anyone regarding my current asset allocation. Because of my age, i know it's not especially encouraged to go with bonds/fixed income. But how about REITs? emerging market equities? Should i have only kept it to 3 funds? Could i go with more? Someone told me i should maybe just do 100% FZROX, what do you think? Or maybe it's fine how it is? Any help would be greatly appreciated, thank you!!!
I have always been more risky. But I'm a gambler who bet sports in Las Vegas for 24 years. My Roth is loaded with tech index funds like FSPGX. Yeah I'm taking a hit this year and especially today but I don't care in the slightest. I have to be true to myself. That account has soared over the past decade. I've done a good job this year of being patient and not fully contributed early, as I normally do. I put $2250 in there near the tech bottom a few months ago toward 2022 but have left the remainder open.
Neither due to sky high expense ratios. Check for an S&P 500 fund in the 401k selection. If it isn't available, check for a low expense ratio Target Date fund. Focus any additional investing money after the employer match towards maxing out a Roth IRA ($6k annual deposit max) because you have a far wider selection of low costing funds. Fidelity or Schwab are great choices for Roth IRAs. Schwab: - 70% SWTSX for Total USA fund. 0.03% expense ratio. - 30% SWLGX for Large cap growth. 0.035% expense ratio. Fidelity: - 70% FSKAX for Total USA fund. 0.015% expense ratio - 30% FSPGX for Large cap growth. 0.035% expense ratio.
If you are working, open a Roth IRA with either Fidelity or Charles Schwab (travelors & investors). Tax free gains in retirement. Fidelity's 2 fund portfolio for a 10+ year old: - FSKAX 70% - 30% FSPGX. Schwab's version: - SWTSX 70% - SWLGX
Moderate growth. Usually a Total USA fund and Large cap growth for 20 years. Below are some index mutual fund example for a Roth IRA: - Fidelity: 70% FSKAX and 30% FSPGX. - Schwab or TD Ameritrade: 70% SWTSX and 30% SWLGX. - Vanguard: 70% VTSAX and 30% VIGAX.
With Fidelity: - FSKAX (Total USA) - FTIHX (International) - FSPGX (Large cap growth) With Schwab: - SWTSX (Total USA) - SWISX (International Developed market) - SWLGX (Large cap growth) With M1 Finance or SoFi: - VTI (Total USA) - VXUS (International) - VUG (Large cap growth)
A 70% Total USA fund and 30% large cap growth fund. Below are some examples for a Roth IRA: - SWTSX and SWLGX with Schwab. - FSKAX and FSPGX with Fidelity. - VTI and VUG with M1 Finance. Another choice if you have $10k in savings is VTSAX and VIGAX with Vanguard.