FSRNX

ConfusionFlat691

“Great” is subjective. But if I’m recommending, I would focus on either asset classes or investing approaches that aren’t offered through the TSP. For example, if you want exposure to real estate, you might be interested in FSRNX. There are also funds that provide exposure to gold through mining companies. If you want a more specialized bond fund than the F fund—which is essentially AGG, there are innumerable decent options to choose from.

feelingsupersonic

I'm not an investing genius but if I had to give criticism, you seem to be overweight on tech stocks. I would also ask if you have considered a small amount (maybe 10-20% of this) toward international stocks, and maybe 10% toward bonds. Not as lucrative, but it would hedge against a big tech drop. Especially given that you are investing 50% of your income, it comes down to your risk tolerance. For reference I'm similar to you - early 30s, single, but medium cost of living area and a house that's mostly paid off. I am putting closer to 25% of my income into these below bins. These are approximate values, recurring investments. - 60% total US stock market (FZROX, similar to VTI) - 10% total international stocks (FZILX) - 10% total US bonds (FXNAX) - 5% precious metal fund (FSAGX) - 5% each into small / mid cap (FSSNX / FMDGX) - 5% into real estate (FSRNX) - The last 5% is discretionary, individual stocks. Right now energy stocks seem like a good buy, maybe some defense as well. Smarter investors than me will probably be able to point out how I could improve so, so I am also open for criticism. The main thing I was going for was avoiding overlap between the funds, so I can re-balance it if needed with little fuss.

throwawayainteasy

FXIAX is a S&P 500 fund and FSKAX is total domestic market fund. There's a huge overlap between the two funds--holding them both is largely redundant unless you have some compelling reason to want to weigh larger-cap stocks (the S&P) more heavily than the broad market. Personally, I'd just pick one of the two (FSKAX would be my pick, but both are going to be largely the same). FSPSX at 20% is fine. Some people think it's worthwhile to hold an international index, some don't, but there's nothing wrong with it one-way or the other. Same deal with FIPDX--I'd personally hold a regular bond fund instead of the inflation-protected variety, but there's no real big con to having 5% in a bond fund overall. FSRNX is a head scratcher for a basic investor. Unless you have some reason to really like real estate, there's no real reason to hold it. Again, it's pretty redundant to your total domestic market fund (Real estate is part of the total market--almost 3% of your FSKAX holdings are real estate already) unless you have some reason to want to weigh real estate more heavily than the broader market.

AICHEngineer

Everything besides FSRNX makes sense for your timeline. If youll really need that money by year ten, a higher bond allocation (or buy some intermediate treasuries) would be prudent, since stocks can and have been dowm over ten year periods in history.

Cruian

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).

Doggies1980

I use fidelity, but some of those mutual funds are good. I have FBALX, FSPHX, FSRNX. FSRNX seems to be the one that doesn't perform as well as the other 2 since other 2 I'm always over 100% gain and shares keep on reinvesting so I have over 250 shares in each, I've had those awhile though. There's plenty other funds too, those are the 3 that I currently have.

big_red_72

I recently paid off my house and have some additional funds available ($2000-$2500 per month extra) - 44M, married no kids. Emergency fund of 12 months. No other loads, car payments etc to note. Currently max out company 401k & ROTH the past few years, the wife the same. I have a 2 Brokerage accounts(Schwab & Fidelity) that I use for Index funds, stocks and EFTs over the past few years but now I am ready to commit extra money. Fidelity: FZROX - 15K FZILX - 6K FSRNX - 4K VOO - 13K Schwab: SCHD - 14K DGRO - 6K Misc stocks - 20K (Apple, Tesla, MO, O etc) Does one stick with the ETF route(VOO, SCHD, DGRO) or play it "safer" with the Indexes (FZROX etc)???

floppydisk1995

What does everyone think of this Roth IRA allocation? I am about 25 years away from retirement: 20% US Large Cap (FXAIX) 20% US Mid Cap (FSMDX) 20% US Small Cap (FSSNX) 20% Int'l Developed (FSPSX) 10% Nasdaq Composite (FNCMX) 5% REIT (FSRNX) 5% Emerging Markets (FPADX) Contribute the max annually, rebalance annually.

Animag771

What do y'all think of mine? The goal isn't maximum returns but low drawdowns and a quick recovery from downturns to maintain principal with moderate growth in order to maintain a high PWR in retirement. 10% US Total Stock Market (FZROX) 30% US Small Cap Value (FISVX) 10% REIT (FSRNX) 5% Emerging Markets (FPADX) 25% Long Term Treasury (FNBGX) 20% Gold (SGOL) For the naysayers for gold investing check out [this](https://portfoliocharts.com/2021/12/16/three-secret-ingredients-of-the-most-efficient-portfolios/) article.

CrossBeaux

I've been investing in a Fidelity Roth IRA for about 3 years now. My portfolio is roughly mirroring the [Swenson Asset Allocation Portfolio](https://www.listenmoneymatters.com/swensen-portfolio/). Appreciate the feedback! ​ |FSKAX|Fidelity Total Market Index Fund|30%| |:-|:-|:-| |FSPSX|Fidelity International Index Fund|15%| |FSRNX|Fidelity Real Estate Index Fund|15%| |FPADX|Fidelity Emerging Markets Index Fund|10%| |FIPDX|Fidelity Inflation-Protected Bond Index Fund|15%| |FUAMX|Fidelity Intermediate Treasury Bond Index Fund|15%|

SpookyKG

>my non-informed investment brain Don't make choices, make yourself informed and make a plan otherwise your entire investing career will be plagued by these sudden ideas. If you MUST invest in REITS, choose only VNQ or FSRNX in a tax-advantaged (401k/403b or Roth IRA) account or you'll just be bleeding money in taxes.

InvestingNerd2020

80% of FZROX is FNILX, so replace FNILX with FZROX. Below is an allocation suggestion: - 70% allocation FZROX - 10% FSDIX - 10% FTBFX - 10% FSRNX

alternativehermit

FSRNX

Kurseddragon

Hello. I have 10k just sitting in my regular savings account doing nothing. I currently separately invest $200 a month into these with these distributions: FXAIX (US Stock): $100 FXNAX (US Bond): $40 FZILX (Int Stock): $30 IAGG (Int Bond): $10 FSRNX (Real Estate): $20 I use Fidelity if not obvious and if it matters. Just curious what are the best options to do with the 10k. I'm thinking of putting all or like 75% of it into the market as well but should I just compile it into these positions all the same? Or most of it and leave some extra cash in the account? Any advice appreciated including if my current investments aren't great. Thanks. Some have suggested high interest savings account but I'm also thinking about maxing a Roth IRA for this year?

JeffB1517

Good point. I just checked funds like FSRNX used to have a $1m minimum. Now its retail available at the same 7 basis points (well used to be 6 but...). I do see your point: it's hard to say that their offerings are a gimmick anymore. I'm out of date they just have a full range of low cost index funds.

CarelessAd6973

I purchased FSRNX, fidelity real estate index fund. It moved WAY TO SLOW. Just look at the chart, over the last 10 years, it’s hasn’t even gone up 100% yet.

hashtagblesssed

I've been saving up a down payment to invest in rental real estate locally. I was planning to buy when the Covid-refugees went back to the city. That hasn't happened yet, and I am priced out of our local real estate market. It's due, in part, to these huge companies buying residential real estate. So, if you can't beat them join them. I bought FSRNX and FRESX, probably the equivalent of VGSLX.

MONGSTRADAMUS

There is FSRNX, fidelity reit index , it has under performed vanguard equivalent. If you want to buy vanguard REIT at fidelity you can buy the etf version vnq

LCJonSnow

So, I'm assuming for this that you already have emergency money squared away, and this is money you can afford to not touch for AT LEAST 5 years. If neither of those are true, don't touch the stock market. In general, you want to look for a fund that doesn't charge you an arm and a leg. The Contrafund looks like it charges a 0.86% expense ratio in management fees. That's not super crazy for an actively managed fund, but it's a near 1% drag on the returns you can expect to achieve. *Net of fees*, very few funds outperfrom the market, and even those that do on one time horizon tend not to do so on a different time horizon. Your best bet is probably to try and minimize your fees and use passive funds, and contribute to them regularly and on a set schedule. The Contrafund is overwhelmingly domestic equity. With Fidelity, you could use something like FSPGX (large cap growth, expense ratio of 0.035%), FXAIX (Fidelity 500 Index Fund, expense ratio of 0.015%), FSKAX (Fidelity Total Market Index Fund, expense ratio 0.015%). If you want international exposure, you could consider something like FTIHX (Fidelity Total International, expense ratio of 0.06% expense ratio), or if you want real estate you could look at FSRNX (Fidelity Real Estate, 0.07% expense ratio). Fidelity has quality, low-expense ratio index funds in house with low/no minimums. To put that in perspective, if you invest in the Contrafund, you'll pay them about $8.60 to manage every $1,000 you put in. Not a deal breaker, but it's still a drag. With say FSPGX, you'll pay $0.35 to manage every $1000 you put in.

JMac453

I'm 35, 6% of my total portfolio is bonds. Bond index fund that is in my 401k because there are no other decent volatility controls. I have 4% of my total in Real Estate related investments in my IRA (split between MGLAX and FSRNX). Roth and brokerage are 100% equities.

Jumpy-Imagination-81

You should have 0% in bonds. That's what I have - 0% - and I'm much older than you (the older you are traditionally the more you have in bonds). Interest rates are very low, and after accounting for inflation real interest rates are negative, so bond funds are losing you money after adjusting for inflation. If interest rates rise the value of the bonds in the fund will drop, so you'll lose even more money. An alternative to bonds is the Fidelity Real Estate Index Fund (FSRNX), which will add diversification. You should have a cash position of around 10% so you can take advantage of buying opportunities when the stock market corrects. You have some redundancy with two large cap funds and two international funds. You might want to consolidate those. The total allocation of 34% to international stocks seems high. You might want to reduce that and shift funds into the Fidelity® Nasdaq® Composite Index Fund (FNCMX), which gives you the large tech stocks like AAPL, AMZN, MSFT, GOOGL, FB, NVDA, TSLA, ADBE.

Lonely-War7372

We started late in investing because life happened and early on we were burdened by student loan, credit card debt along with a ridiculously high mortgage and need advice. We're both 56 years old and plan to retire at 67. We plan to max out both ROTHs, HSA, will have $5800 in SS income and contributing up to the company match on 401k. We'd like to invest in the following: FZROZ@60%, FZILX@20% and FSRNX@20% in one account. Then VYM, SCHD, SDY and HDV for high yield dividend ETFs in another. We're concerned that we won't have enough growth if we go with the recommended FXIFX and/or FIHFX but we can't afford to lose it all either. Any recommendations would be great. We're late to the retirement game but still want to live well.