FSSNX
FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
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Portfolio Input! Let me know what you all think
Started investing somewhat late, and looking for some feedback on what I've done so far.
Taking a 401K loan to invest in a brokerage account?
Are there any cons to investing in FSKAX over the popular VTI?
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There are two issues with those fund: - first as the other person mentioned, those mutual funds have much higher fees than alternatives. Fees will eat into your returns over time. There are better options with lower fees. - second, those two fund are very similar, both focused on larger American companies. links below. The top 10 stocks in both funds are very similar: Microsoft, Amazon, Nvidia, Broadcom, Apple ... so whoever sold you these funds didn't put much thought into the process. a better portfolio would be, maybe, (1) Larger US company fund; (2) smaller US company fund; (3) international company fund. these 3 would zig and zag differently, and would compliment each other better than two that are nearly identical. so my advice is similar to the other reply: fold both of those funds into FZROX or FXAIX or FSKAX (to use Fidelity examples), and add an international fund (FZILX, FSPSX) and possibly a fund focused on smaller US companies (FSSNX) ACAAX portfolio: https://www.morningstar.com/funds/xnas/acaax/portfolio FAGAX portfolio: https://www.morningstar.com/funds/xnas/fagax/portfolio
My first piece of advice would be to sell all of the individual stocks and sector/industry ETFs. Like others on this thread, I have learned from experience that it's a recipe for underperformance. Once you do the above, then I think the next step is to diversify. The Roth IRA is relatively easy, since you already have a couple of funds that could serve as a starting point. One potential strategy would be: \- FXAIX = 56% \- FSMDX = 14% \- FSSNX =10% \- FSPSX = 20% The taxable account is more challenging. The equity portion could follow a similar strategy to what's above, but you also say that you are looking to generate income. How much income are you looking to generate? Is what you have in SGOV providing enough income or do you need more? If you need more, then you may need to change things up. \-
>100@ FXAIX 15 @ FSSNX 10 @ FSPSX Its fine. Also holding overlapping funds is not bad , as long as you realize they are overlapping. Some people think diversifying is just holding lots of funds so they sort of just start buying random tickers thinking they are diversifying But buying IVV, SPY, SPLG, VOO does not diversify you as they all hold the same underlying basket , its not going to really hurt you in any way though
Russell 2000 is a common index of small-cap US stocks. You cannot invest directly in "the Russell 2000", but you can replicate it in several ways. The simplest is an index fund which buys all of the stocks in the index for you and charges a low fee. IWM, run by Blackrock, and VTWO, run by Vanguard, are two ETFs which do that. FSSNX (Fidelity) and SWSSX (Schwab) are mutual funds which do it, but they are likely not available through Chase. Of the two, VTWO has a lower fee of 7bps (0.07%) per year while IWM charges 19bps, so I would go with VTWO. There are also many other small-cap index funds which are pretty much equivalent to ones tracking the Russell 2000 and have even lower fees. You do not have much risk if you buy more Vanguard. If Vanguard goes bankrupt, its estate cannot claim the assets of the funds it runs, they are separate. The funds may close and return all cash to investors, which could be inconvenient and taxable, but not a direct loss. Or they may get bought out by another company and continue running under a new name.
From what I've been taught your goal for investing should be to make at least 10% returns on your investments. This is what my future investment portfolio would look like. I know its hard to tell what my returns are before I invest, but with this investment portfolio, do I have the potential to get at least 10%? + WFSPX + FSSNX +VOO +VTWO +Corporate Bonds
Fwiw - if you already have an ETrade account - just see what mutual funds they offer. ETrade is part of Morgan Stanley. And they have a bunch of no fee no load funds. And some of the proprietary funds have no expense ratio. I see that ETrade has nearly 6000 mutual funds and 171 of them are small cap blend funds. And FSSNX appears to be a no load/no transaction fee choice fund at E\*Trade. [https://www.etrade.wallst.com/v1/stocks/snapshot/snapshot.asp?symbol=FSSNX](https://www.etrade.wallst.com/v1/stocks/snapshot/snapshot.asp?symbol=FSSNX)
You're welcome. Just wanted to remind that when I said FSSNX - that's just an example fund. If you don't have a Fidelity account - there may be a load or transaction fee for that fund from your broker.
Thanks for this! I think im going to invest in both FSSNX and VTWO. I was having a lot of trouble finding good index funds for the Russell 2000 and it sucked cause I really am interested in small-cap companies as much as large-cap. At times small cap outperforms the S&P 500 and I just wanted to get in on it! Again thank you!!!
Does that mean that you want to buy and hold? If so - then you may care about things like expense ratio and tracking error. In that situation - look at something like VTWO. IWM is the normal go-to for more active investors who may want liquidity and optionability. And depending on your broker - for buy and hold - a small cap mutual fund may be better because it's easier to DCA and expenses are lower than an ETF. For example - Fidelity offers some decent small blend funds like FSSNX that track the R2k and have very low expense ratios - so the fund can slightly out-perform the r2k over time. Also -- bear in mind - there are lots of variants of the Russell 2000 Index - I assume you are asking about the base index and not the variants like R2k Growth or R2k value. Regarding Morningstar - bear in mind also that Morningstar will rate based on their process to small cap blend - so the "best" funds will not track the r2k. A Morningstar rating for a r2k fund is likely to be considered average.
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'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.
Option 1 FTIHX Total International (5,089 Companies) 20% FSKAX Total US Market (3,944 Companies) 80% Option 2 FSMDX Mid Cap (812 Companies) 10% FSPSX International (744 Companies) 10% FSSNX Small Cap (1,988 Companies) 10% FXAIX S&P 500 (506 Companies) 70% Just started my 401k and Roth IRA not too long ago and chose option 2 for my 401k plan. I need help deciding whether to pick option 1 or 2 for my Roth IRA. Option 1 looks more diversified compared to option 2, but let me know what you guys think.
>I'm honestly not sure how to decide what to invest in between the Roth IRA and brokerage. Both are intended for retirement See the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics >I've been looking into some Fidelity funds (FSPSX, FDIVX, FMCSX, FSSNX, FXAIX, FTIHX, FSKAX) but when it comes to making a decision, I'm a bit lost. Many of these have overlap, both with each other and the SWPPX you hold. Are you aware of that and is it intentional? Here's one example of a simple but very diversified portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. In trading that, you should find that the 3 fund is more of a concept that you should cover 3 main categories: US stocks, ex-US stocks, and bonds. I can design a portfolio with anywhere from 1 to 7 funds and stay true to the 3 fund concept. >I read something about avoiding fee free funds The Fidelity Zero funds? They're perfectly fine inside an IRA, it is taxable accounts where you wouldn't want to hold them. >Fidelity funds all have a minimum 1k purchase They shouldn't have a minimum, or something insanely low like $1. Are you considering buying Fidelity funds in a non-Fidelity account? Don't do that. With mutual funds, you'll typically want to use the funds with the same "brand" as your brokerage. This doesn't matter for ETFs, just mutual funds.
I think there is value to holding small caps in a well diversified portfolio. I would caution that if you're going to pick individual stocks that is very high risk and requires a ton of research, luck, and actively following the company performance and news. I hold \~$20K in FSSNX; this is a small-cap index fund. This allows you to invest in small caps with built-in diversity, and having the experts choose the best stocks for you. I'd warn that small caps are very volatile and sensitive to interest rates and projected market trends. When the positive inflation reports started coming in a few months ago my shares jumped in price, only to drop again when employment data came in weaker than expected. Overall this fund has lost value since I bought in, but I am riding it out and hoping that the falling rates and eventually a booming economy will push my shares higher.
You do not need to buy fidelity mutual funds in your fidelity account; you can buy vanguard or other ETFs instead. But if you're looking for fidelity index mutual funds, there's FSSNX for small cap US (Russell 2000 Index), and FZILX for total international (Fidelity Global ex U.S. Index) or FTIHX (MSCI ACWI Ex-US IMI).
Although the S&P 500 is pretty well diversified, a lot of the index funds out there for it, are pretty heavy in the top 10 holdings, sometimes upwards of 30-35%+. I'm in FXAIX, and their top 10 is 35.7%. (I'm not really complaining, because the fund is doing fantastically well, but still...) I have a multi-index fund strategy in place, where I have a large, mid and small cap low-cost index fund. S&P 500 is my large cap. I also have a low-cost International fund, because a lot of "Total Market" funds have very minimal International company exposure. Here's my 4 base tickers with expense ratios: FXAIX - large - 0.015% FSMDX - mid - 0.025% FSSNX - small - 0.025% FSPSX - international - 0.035% Small price to pay to have multiple dividends per year, but much more diversity.
Add some FSMDX & FSSNX to cover all basis
Current auto-investment allocation is as follows. FXAIX S&P500 75% FSMDX mid-cap 8% FSSNX small cap 9% FSPSX international 8% Plan to rebalance yearly.
Current auto-investment allocation is as follows. FXAIX S&P500 75% FSMDX mid-cap 8% FSSNX small cap 9% FSPSX international 8% Plan to rebalance yearly.
Following the advice of many, I decided now is the time to start investing outside of retirement savings. I'm midway through my 30s, and was only able to establish a 401k through Fidelity two years ago. Currently around \~50k saved there. Employer match is discretionary, I contribute 13%. I make too much for a tax deduction on an IRA, so I decided I might as well open a Robinhood account, and plan on making small, but weekly recurring buys. I'm wondering what you all think of the following distributions across my 401k and taxable brokerage account, and overall investment strategy. I'm okay with only holding stock rather than bonds, and don't think I'll be investing in anything other than ETFs. Am I diversified enough? Too risk-averse? Brokerage: * 40% VTI * 40% SPY * 10% VGT * 10% SMH 401k: * 60% FSKAX * 30% FSPSX * 10% FSSNX Apologies if any terminology is off—obviously a relative newcomer to investing in general, and every decision I've made thus far has been largely due to r/Bogleheads and this subreddit. Appreciate any insight you may have!
30yo with a Roth IRA through Fidelity. I set the auto investments years ago so hoping for some guidance/advice. Current funds owned include FXAIX (56% of balance), FSKAX (18%), and FSMDX and FSSNX (both 13%). I feel like I should sell everything and make things easy by doing an 80/20 split into FZROX and FZILX - is there anything I’m missing by selling all right away and doing this approach? Also, is the 1x salary in retirement by 30 still the goal? I feel like I’m behind but total Roth IRA/401k balance is about 120% of current salary. Hoping to continue maxing out the Roth annually and contributing 12% (with add’l 6% employer match) into 401k. Right now I’m splitting my 12% into 7% Roth and 5% traditional but maybe that should get tweaked too. Thanks!
30yo with a Roth IRA through Fidelity. I set the auto investments years ago so hoping for some guidance/advice. Current funds owned include FXAIX (56% of balance), FSKAX (18%), and FSMDX and FSSNX (both 13%). I feel like I should sell the small/mid cap funds and roll them into FSKAX to simplify things and then maybe add some int’l exposure, just don’t know what allocation %s should look like. Also, is the 1x salary in retirement by 30 still the goal? I feel like I’m behind but total Roth IRA/401k balance is about 120% of current salary. Hoping to continue maxing out the Roth annually and contributing 12% (with add’l 6% employer match) into 401k. Right now I’m splitting my 12% into 7% Roth and 5% traditional but maybe that should get tweaked too. Thanks!
83% FXAIX 8% FSMDX 9% FSSNX got this from [https://www.bogleheads.org/wiki/Approximating\_total\_stock\_market](https://www.bogleheads.org/wiki/Approximating_total_stock_market)
For context, I am turning 30 this year. So if went the target date fund route, I’d choose the 2055 or 2060 fund. Otherwise, my thoughts are to go 70% into FXAIX, 10% into FSSNX, 15% into FSMDX, and 5% into FTIHX. Would I be better off just going 100% into FXAIX?
Why IWM, if you don't mind me asking? The expense ratio is higher than FSSNX.
You dont really need bonds for maybe another 15yrs. Get rid of the bonds in your wife's account and make it 75/25 or 80/20 VTI and VXUS. With your 401k you can do the same using the 4 equity funds 50% FXAIX, 15% FSMDX, 10% FSSNX, 25% FSPSX. Alot of people that use the TDFs will select one that instead of 2045 be more aggressive and go with say 2055 or higher.
Roth IRA Portfolio Start Up Hello, My husband and I just created our first retirement account in fidelity. A Roth IRA. We contributed the $6500 for 2023 and are doing the full for 2024 as well. I am 30 and my husband is 32. Is this an appropriate strategy for both of us for our portfolio. We figure to not get any bonds now as we are still fairly young. Me 80% FSKAX 20% FTIHX Him 70% FXAIX 20% FSPSX 10% FSSNX I know for him he could also swap it out with the zero fee ones but regardless it is not a huge difference there. Should we do anything drastically different or should we have the same exact portfolio. First time doing any sort of investment so we want to make sure we are on the right track with our initial $13,500 each and not doing anything stupid. Thank you so much
Thanks for all the support and suggestions. I’m leaning towards 70% FZROX, 20% FZILX and 10% FSSNX.
> Any thoughts on this approach? Does this make sense? Don't fixate on fees. They don't matter except when comparing 100% identical funds. Focus on total return. For example FSSNX is junk. Get CALF or AVUV.
Hi All — I’m a 28 year old male living in the USA. I’m employed and make about $215k a year. I inherited some money when my father pass away and have about $900k to invest. I am required to take an RMD from the account every year (it was before the 10 year rule, so no worries there). My goal is to use this account and take just the RMD to help me out year to year, and then be able to retire younger (50/55 ideally), I’m also saving about 20% of my work income into a 401k. I want a modestly aggressive strategy. I also want low fees. I just took over control of the account from a managed account and sold off all the individual stocks and plan to go to ETFs. I have all my accounts with Fidelity, so wanted to take advantage of zero cost funds. My current allocation plan: 63% to FZROX (Total stock market) 20% FZILX (International stock market) 7% FTEC (bit higher risk tech) 5% FSSNX (higher risk small cap) 10% FXNAX (total bonds) 20k cash holdings for RMD requirements Any thoughts on this approach? Does this make sense? Thanks all!
>Traditional 401K - 100% FXAIX The S&P 500 is large US companies, and in reality it's dominated by a handful of mega-large companies. It's extremely concentrated right now. So I'd add at least 2 additional funds: something with smaller US companies, and something with international companies. There are periods of time that smaller company stocks, and/or international stocks, will perform better than the S&P 500. FSSNX and FSPSX would be good compliments to FXAIX, maybe 10-20% each and the rest in the S&P 500.
This is the way. Most of my investments are in SPY, MOAT, FXAIX, FSSNX, and some target dated funds. The rest is in GOOG and a couple of picks which has been a mixed bag. Options are fun, but just gambling, so I keep it limited. SPY and hold is just too easy. I might start selling options.
Currently I follow a three fund portfolio minus the bond fund, I will allocate to bonds when I am closer to retirement. https://www.bogleheads.org/wiki/Three-fund\_portfolio Topic of bonds: [https://www.bogleheads.org/forum/viewtopic.php?t=328019](https://www.bogleheads.org/forum/viewtopic.php?t=328019) Topic of international: [https://www.reddit.com/r/Bogleheads/comments/r3jdhi/as\_a\_us\_based\_investor\_what\_percentage\_of\_your/](https://www.reddit.com/r/Bogleheads/comments/r3jdhi/as_a_us_based_investor_what_percentage_of_your/) The important thing is to follow an asset allocation strategy and stick with it. I would also avoid performance chasing. When I was younger I wasted a lot of time picking investments thinking this would make me rich, instead I learned that I should have focused more on improving my income and increasing my contribution rate. Your greatest wealth building tool is your income. The more money you earn the more money you can invest and reach your goals even sooner, it's as simple as that. [https://www.getrichslowly.org/building-wealth/](https://www.getrichslowly.org/building-wealth/) You will always find "better" portfolios out there, the main thing is to pick one and stick with it: [https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/](https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/) > fidelity with 25% spilt between FSKAX, FSPSX, FSSNX, FXAIX What made you pick this allocation, is it the Dave Ramsey portfolio? ​ FSKAX is a total u.s. market index fund that included the S&P 500 stocks and small and mid cap stocks, I would drop FSSNX and FXAIX. Instead of FSPSX I would used a Total International Index Fund like FTIHX, FSPSX does not include emerging markets and FTIHX does include them. I would use caution with advice that tells you to drop your international allocation, this is an indication that the advice is coming from someone with recency bias. If this was my portfolio, it would look like this: 70% FSKAX 30% FTIHX
I’m 21, I have $5500 invested in fidelity with 25% spilt between FSKAX, FSPSX, FSSNX, FXAIX. I contribute about 200-300 dollars a month. Just wondering on everyone’s opinions on my portfolio and what I can do to improve?
Would like some advice on my IRA portfolio. Am I overdoing it with all these funds? 33 y.o. FBGRX FPADX FSMDX FSSNX FXAIX FZILX
I did 40% into FXAIX, 15% into FSSNX(small cap), FSMDX(mid cap), FSPSX(international index), and FDKVX (2060 target date). How does that allocation sound?
I've had FXAIX for the past 8 or 9 years in my Roth, and have been overall really happy with the returns. I tend to take this approach - rather than a "total market" fund, which normally doesn't include much, if any International exposure, I do this (I'm with Fidelity, so these are all Fidelity funds): Large cap - FXAIX - S&P 500 - 0.015% ($1.50/year/10K invested) Mid cap - FMCSX - higher expense ratio, but WAY better returns than my original choice of FSMDX - 0.85% ($85/year/10K invested) Snall cap - FSSNX - 0.025% ($2.50/year/10K invested) International - FSPSX - 0.035% ($3.50/year/10K invested) I like this multi-fund approach for a couple of reasons: 1. More funds = more distributions throughout the year, vs usually an annual distribution for the total market fund) 2. Yes, more funds = more expense, BUT most of these funds are incredibly inexpensive, as you can see. As others have said, since it's your Roth account, tax efficiency makes no difference here - go with the S&P 500 fund with the lowest cost. I'm not sure I've even seen an S&P fund that's doing as well as FXAIX with that low of an expense ratio.
Question: What to do with Fidelity Taxable Investment Account currently down -3.44% ? I invested a lump sum $42K per the advice of a financial advisor in April '22 but now we are looking at a future home down payment and have High Yield Savings with 4.5% return that's doing well. April 22' Taxable Investment Account Allocation for $42K: FXAIX: 21% | total loss -3.17% FSMDX: 10% | total loss -7.77% FSSNX: 11% | total loss -8.61% FTIHX: 18% | total loss -3.39% FMBIX: 40% |total gain 0.75% \*Down $1,450 or -3.44% total including dividends \------------------------------------------------------------------------ How old are you? What country do you live in? - late 30's USA Are you employed/making income? How much? - \~$150K What are your objectives with this money? (Buy a house? Retirement savings?) - Buy a house and fund a baby on the way What is your time horizon? Do you need this money next month? 6-24 months What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) - medium to low What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) - State Public Employee Retirement over $150K, Deferred Compensation $50K, Roth IRA $10K, Roth 401(k) $10K, High Yield Savings (4.5%) $80K Any big debts (include interest rate) or expenses? Wife Student Debt $80K paying $1K /month And any other relevant financial information will be useful to give you a proper answer. Our Financial Adviser in April '22 suggested the following $42K lump sum investment, in addition to opening Roth IRA: April 22' Taxable Investment Account Allocation for $42K (untouched): FXAIX: 21% FSMDX: 10% FSSNX: 11% FTIHX: 18% FMBIX: 40%
I'm at about 28% FXAIX, up about 56% - that's the one I've held the longest. I don't own FSMDX anymore - I switched it out for FMCSX, which overall has higher returns (and higher expense ratio, but worth it for me) 17% FMCSX, up 38.7% 19% FSSNX, up about 24.6% 16% FSPSX, up about 24.3% The rest of my portfolio is in individual funds, and some sector-specific funds. FSELX is one of them. Currently up 37% total on this one. Its 1 / 3 / 5 / and 10 year earnings are: 51.11% / 34.12% / 28.54% / and 26.79% The reason I recommend FSMDX even though I don't own it anymore, is for people starting out - it's a good fund, and VERY low cost, but I don't have the time to wait that a 20-something would have. I'm late 40s, so higher returns now are more important to me.
Rather than limiting yourself to the biggest 500 companies, I would do something like this (I'm with Fidelity, so these are all Fidelity funds): Large cap: Fidelity 500 (S&P 500): FXAIX (0.015% expense ratio, one of the lowest you'll find) Mid cap: FSMDX (0.025%) Small cap: FSSNX (0.025%) International: FSPSX (0.035%) By investing this way, you're diversifying into basically the entire stock market, including International, which even most "total stock market" funds don't give you. The way to read these expense ratios is, taking FXAIX as an example: 0.015% means you'll pay $1.50 per year, per $10,000 you have invested in the fund. So the mid / small caps would be $2.50, and the International would be $3.50. All extremely low cost funds. I've been doing this for about the past 10 years, and very happy with the returns so far. I even got into some specialized sector funds later, but my primary strategy is still this multi-fund low cost portfolio.
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.
>I've been contributing to VTTSX as my main position, which is a target retirement fund for 2060. Other options for funds include: SWPPX, FSSNX, FSKAX, FSMDX. They give us limited options, but of these, what other funds should I consider? Or keep on the current track? If you do not know how to construct an investment portfolio according to an asset allocation strategy, I would stick with the target date fund. Too many articles online bad mouthing TDF's because they know they are popular and it will get them clicks. Also, a lot of portfolio suggestions on reddit are influenced by recency bias. ​ When I was younger I wasted a lot of time thinking picking the "perfect" asset allocation and picking the "best" funds was going to benefit me in the long run, instead I learned that I should have focused more on improving my income and increasing my contribution rate. A person can easily become trapped in searching for the "best" portfolio, but in reality the best portfolio is only known in hindsight. Which matters more for building wealth: Your saving rate or your investment returns? [https://www.getrichslowly.org/building-wealth/](https://www.getrichslowly.org/building-wealth/) ​ >I am able to contribute on pre-tax or on Roth % basis. I'm currently at 8% Pre-tax, but was thinking to do a 4% split between the two. Is this wise? [https://www.reddit.com/r/personalfinance/wiki/rothortraditional/](https://www.reddit.com/r/personalfinance/wiki/rothortraditional/) [https://www.zdnet.com/finance/taxes/what-do-pre-tax-and-post-tax-mean-and-why-should-i-care/](https://www.zdnet.com/finance/taxes/what-do-pre-tax-and-post-tax-mean-and-why-should-i-care/) https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save
I'm 30 years old and contributing 8% of earnings to my 401k. I plan to contribute more going forward, but recently purchased my first home and trying to pay down on debts. I earn base pay approximately 55k gross and tracking with commission/bonus at 80-85k total compensation. The 8% to my 401k comes out of my regular biweekly pay, and my bonuses each month are taxed at 35%. 1. Is it possible to have my employer contribute part of my commission to my 401k? 2. I am able to contribute on pre-tax or on Roth % basis. I'm currently at 8% Pre-tax, but was thinking to do a 4% split between the two. Is this wise? 3. I've been contributing to VTTSX as my main position, which is a target retirement fund for 2060. Other options for funds include: SWPPX, FSSNX, FSKAX, FSMDX. They give us limited options, but of these, what other funds should I consider? Or keep on the current track?
As others have said, they don't track the same index. The way I got into investing in my Roth in the early days (about 10 years ago), and I still do mostly the same now: Rather than have a single "total market fund" (like FSKAX), I have a large, mid, small cap and a bit of international to really diversify. Large: FXAIX (0.015%) Mid: FSMDX (0.025%) Small: FSSNX (0.025%) International: FSPSX (0.035%) (Max 10% of portfolio) When going this way, the fund price is super cheap, but you get multiple dividend payouts and some also offer capital gains distributions = faster compounding. If you only chose FSKAX, you get 2 dividends per year. If you chose FZROX (or any of the current free funds), you'd get 1 dividend payout per year. I've since upgraded my Midcap fund to FMCSX which has a much higher expense ratio of .85%, but also has significantly better returns too.
FTIHX. Expense ratio is a nonfactor. Also I suggest FSKAX over S&P500, that’s my largest holding in both my IRA and 401(k). That way you get mid cap and small cap exposure. Or keep what you have and buy FSMDX and FSSNX.
Full port 401k yeet into small caps FSSNX. This will be a 20 percent gain or loss by the time hot girl summer rolls in
My setup is kinda weird... 55% FXAIX 20% FSMDX 10% FSSNX 10% FSPSX 5% APGZX But I have been contributing 100% to FXAIX for the past year or two since I have been managing it myself. 6% contributions from myself with a 3% company contribution and a 2% match from the broker. So basically 11% total I guess? Please let me know if im doing things wrong lol.
A) You don't need an advisor. B) With that much in bonds I would not consider this aggressive. Using Fidelity funds I would do more like 65% FXAIX (Or better yet FSKAX), 20% FSPSX, 15% FXNAX. Maybe even 65/25/10. If I wanted a want a small cap tilt I would do a little FCPVX rather than FSSNX. I don't see the point in holding FDRXX at all. Go read the wikis at r/Bogleheads. You can learn to do as well or or better in a day.
It is with a Fidelity IRA. Does it being housed within Fidelity give an advantage to FXAIX/FSSNX as opposed to VTI?
If this is with a Fidelity IRA, try... FXAIX 80% FSSNX 10% FSPSX 10%
Some options: - 70% FZROX and 30% FSPGX until your mid 50s. - 90% FXAIX and 10% FSSNX until your mid 50s.
What do to think of 70% FSKAX with 15% FSMDX and 15% FSSNX? VTI/FSKAX are so large cap weighted I like to have more exposure to the growth that small/mid caps can deliver.
So I'm looking into maybe getting into a small cap fund. With fidelity, so FSSNX is the obvious choice. But when I try to track how its held up vs the Russell 2000 benchmark, it seems wildly off. [Over 5 years, IWM pretty spot on but FSSNX significantly underperforms.](https://www.google.com/finance/quote/RUT:INDEXRUSSELL?comparison=MUTF%3AFSSNX%2CNYSEARCA%3AIWM&window=5Y) Is this because of how capital gains distributions works? Fidelity shows a $0.124 per share distribution on 6/44/22 and a $0.673 on 12/17/21 for example. So I guess that lowers the price of the fund, but not the index (as the index doesn't need to worry about capital gains distributions), and so as long as you reinvest everything stays the same but the google chart isn't showing that reinvestment instead its just showing fund price? That is the conclusion I've come to but figured it didn't hurt to check with others. Is there a good site for tracking the proper fund price? Yahoo shows the same sort of drift. Want to make sure a fund actually does a good job tracking the right indexes.
For now, yes! Once his IRA grows over $10k, he can start mixing in some international (FTIHX) and small cap (FSSNX) exposure. Something like a 70%/20%/10% mix allocation.
>FSMDX - 4% (0.025% ER) >FSSNX - 10% (0.025% ER) >SWPPX - 28% (0.02% ER) For US: https://www.bogleheads.org/wiki/Approximating_total_stock_market Fort ex-US,. consider skipping it here and over weighing it in your IRA and taxable to make up for it.
Target Date funds are ok. They mix in US stocks, foreign stocks, and bonds. However, international exposure is too high and bonds are a huge drag on a portfolio for young investors during bullish periods. Thus noticeable underperformance. Only use them if it is best choice available in a 401k/403B plan. A better long-term choice is a low expense ratio Total USA fund or S&P 500 for 70% to 80% of any portfolio. Long-term they provide reliable growth. My 401k: - 90% S&P 500 (FXAIX) - 10% Small cap blend (FSSNX)
I have fidelity so I have FSSNX. Pretty low cost
Don’t know why you would waste your money on these funds like FSSNX (which is your single biggest loss). Why tag the post with NVDA loss when you’re not even managing your own assets directly?
Seems like all you need is FZROX at 85% and FTIHX at 15%. FZROX has FXAIX inside it and some amount of FSSNX. FXAIX is unnecessary if you want all of the USA market. FSSNX is fine if you want to increase your small cap exposure.
FZROX (total US zero expense) already contains FXAIX (US large) and FSSNX (US small), so it's redundant. FSKAX+FTIHX around 60/40 (global weighting) would get the entire market with maximum simplicity.
I’ve been employing a Fidelity index funds approach since last year (after investing in individual stocks for over 10 years). I think been more lucky than good at picking stocks but I’ve come to the realization that in the long I’m probably not going to “beat the market.” That said I’ve been using the following allocation: FXAIX 40% FZROX 30% FSSNX 15% FTIHX 15% Questions: is this a sensible allocation? Should I change? Any feedback/suggestions. Thanks
Last Friday bought- AAPL, JPM, MSFT, SBUX, ARKK, PLTR, FXAIX, FZROX, FSSNX, FTIHX. I’ll probably buy more into the index funds this week
Received $2K in my quarterly PFE dividends today. What stocks/funds should I buy? I love investing in individual stocks but this has become a riskier strategy as I get older, so I might put it all in some Fidelity index funds. I've been investing in FXAIX, FZROZ, FSSNX and FTIHX. Any suggestions on which mix of stocks/funds to buy today?
Received $2K in my quarterly PFE dividends today. What stocks/funds should I buy? I love investing in individual stocks but this has become a riskier strategy as I get older, so I might put it all in some Fidelity index funds. I've been investing in FXAIX, FZROZ, FSSNX and FTIHX. Any suggestions on which mix of stocks/funds to buy today?
I bought in to a small cap and mid cap mutual fund to round out my portfolio in my IRA. My current holdings are as follows: Large Cap/S&P: FXAIX, 40% Mid-Cap: FSMDX, 15% Small-Cap: FSSNX, 15% International: FZILX, 30% Small Cap has been generally outperformed the S&P since I bought it. Does anyone have any thoughts on how small cap will fare relative to mid and large cap moving forward?
Apparently I can’t invest in FCUTX in my Fidelity IRA. I guess FSSNX will have to do, despite the lesser returns.
I’m reviewing my 401(k) and trying to decide how to allocate it. I'm thinking of doing 42% large cap, 10% small cap, 15% international, and 33% bonds. Given my other info (below), how do these numbers look? More info: I am 43 years old and probably \~25 years from retirement. My risk tolerance is medium. My plan is to leave my allocations the same for 5 years. Then in 5 years I will put 5% more money in bonds and keep the other investments roughly proportionate. I currently have two 401(k)s (although I might do a rollover from my old one to my new one). In my current employer’s 401(k) with Charles Schwab, the large cap fund is FXAIX (Fidelity 500 Index), the small cap fund is GSSIX (Goldman Sachs Small Cap Value, has a .96% fee but no better options are available), the international fund is VTSNX (Vanguard Total Intl Stock Index), and the bond fund is VBTIX (Vanguard Total Bond Market Index). In my former employer’s 401(k) with Fidelity, the large cap fund is FXAIX (Fidelity 500 Index, same as at my other 401(k)), the small cap fund is FSSNX (Fidelity Small Cap Index Fund), the international fund is JIGTX (John Hancock Intl Growth Fund Class R6, .88% fee but no better options), and the bond fund is PICYX (Pioneer Bond Y, .45% fee but no better options). I don’t know much about investing, but my thought in domestic stocks is to very roughly replicate the total market. Trying to beat the market doesn’t seem like something I have the time or expertise to do – but if you think I’m making a mistake, let me know. Also let me know if any of my other numbers look screwy. Let me know if you need more info. Thank you so much for your help!
You could simplify it with 70% FXAIX, 15% FSSNX, and 15% FTIHX.
Move to Target Date Fund or Keep Current holdings? I don't love my employers 401K options. I am very happy with what I have done with my IRA and personal brokerage, but I struggle with the 401k because I just don't love the options compared to what I have elsewhere. They are missing some classes of investment, each class has only a single option, and in some of those classes I just don't feel comfortable with the option. So my question is, do I just move it into a Target Date fund (which is a reasonable fund, even if I am not 100% satisfied with it) or do I keep my current allocation (which because of available options, I am also not satisifed with) Target Date option: SIA Target Date 2050 Class 1 Current holdings: Large Cap Blend --> FXAIX -->50% of holdings small cap blend-->FSSNX -->14 international large blend --> FTIHX-->12 international large growth --> RERGX -->12 international large value--> OANIX -->12 (note, those are the only international options, no domestic value options, only growth or blend, no mid cap option)
You can add small cap ETF or index mutual fund. If you are using Fidelity as your broker, try FSSNX or ETF IJR.
I'm up 92% with FSSNX, granted it's a mutual fund not an ETF