FTEC
Fidelity® MSCI Information Technology Index ETF
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Is a mix of VOO, SCHD, SCHG a good start for a Roth IRA at 28?
Portfolio choices for taxable account for growth and minimize taxes?
Is my Roth IRA Portfolio Too Risky/Diversified Enough?
Do you ever re-balance your portfolio? Or do you just hold onto the growth stocks you bought in 2021?
Realistically what does the tax advantage look like for ETF VS. Mutual
Is it silly to hold both QQQ and FTEC (or VGT) at the same time?
Service to view combined percentage stock holdings from multiple ETFs?
Mentions
VOO + FTEC or VGT instead
I dunno - just used ChatGPT and felt like I accomplished more than I expected to - then checked NVDA after hours, currently about +5%. I would love to see Burry on CNBC. Another thing to consider 1 yr returns FTEC vs. SCHD (almost no tech) +20.7% vs. -5.97% - that is like real lifestyle differences returns. lol!!
SPLG/FTEC/FCNTX FCNTX is my exotics. I get some open AI and SpaceX exposure.
I'd like a recommendation for an ETF for a possibly 40-60 year hold, very long term, very tech. I have the usual VOO/ VXUS portfolio and short term bonds portfolio. My preference is towards tech and higher risk (open to losing 50% of it any time). I've cut it down to specifics I'm looking for 1) tech diversified and not focused on mega caps 2) has robotics and hardware 3) has a decent number of holdings, 100+ Which one would be the best out of? I am leaning towards IGM. VGT: Pro: growth Con: 50% is Nvda, Aapl, Msft, Avgo IYW: Pro: Has the robotics and hardware component Con: 45% is Nvda, Aapl, Msft IXN: Pro: Global tech Cons: Assumes the US does not dominate like the others do IGM: Pro: Evenly distributed, more emphasis on all North American Tech, and not top heavy Cons: More volatile XLK: Pro: Heavier on the full SP500 IT companies Cons: Not many, but similar to IYW. FTEC: Same as VGT Cons: Same as VGT
100% FTEC in individual, 100% FBTC in IRA and 401k
I'd like a recommendation for an ETF for a possibly 40-60 year hold, very long term. My preference is towards tech and higher risk (open to losing 50% of it any time). I've cut it down to specifics I'm looking for 1) tech diversified and not focused on mega caps 2) has robotics and hardware 3) has a decent number of holdings, 100+ Which one would be the best out of? I am leaning towards IGM. VGT: Pro: growth Con: 50% is Nvda, Aapl, Msft, Avgo IYW: Pro: Has the robotics and hardware component Con: 45% is Nvda, Aapl, Msft IXN: Pro: Global tech Cons: Assumes the US does not dominate like the others do IGM: Pro: Evenly distributed, more emphasis on all North American Tech, and not top heavy Cons: More volatile XLK: Pro: Heavier on the full SP500 IT companies Cons: Not many, but similar to IYW. FTEC: Same as VGT Cons: Same as VGT
I am a young, risk-on investor looking to maximize long-term growth while maintaining balanced exposure. I am pretty confident on my allocations but have two questions. 55% VTI 10% AVUV 10% FTEC 10% VEA 10% VWO 5% IBIT 1. Should I swap VTI for VOO to flush out the small-cap growth? Or does VTI provide better diversified exposure for the long haul (i.e. mid-caps)? 2. Increase AVUV to 15% by decreasing 55% -> 50%? Seems like small-cap value is best bet for my long-term goals, but the recent extended underperformance is daunting. Regardless, what's the best balance? The answer could depend on whether VTI or VOO is selected. Any thoughts much appreciated. Thanks in advance.
Usually yes but not always. High dividend yields erode NAV. Some companies can both have decent yields and growth like Walmart or Abbvie but look at AMD and Meta and Google...they all prioritize share price increase over dividend payouts. Obviously don't invest in hot mess penny stocks but at your age, I think you can take higher risk bets than just VOO. Maybe VGT/FTEC if you think the AI boom will continue.
I like FTEC and SPMO. These are growth ETFs. If you’re interested in steady, less volatile but incremental growth, then go for VTI, SCHG, or VOO. Determine your risk tolerance, goals and future prospects. Then, strategize, study and execute.
International stocks did very well the first quarter of this year but the last 6 months, domestic stocks have performed better especially tech etfs, SMH, FTEC, VGT.
I bought into APLD at $5.12 good choice. Archer Aviation has a lot going for it except profits. Stellantis is helping with a production facility in Atlanta. Korean Air and United Airlines are onboard. Lots of exposure coming up with The World Cup and the Olympics. I honestly think Robinhood could hit $300 next year. I know there are a lot of haters for good reasons but, there is a new generation of young investors who don't care about the Game Stop scandal and they like the format and incentives. Earnings report is coming up. Kratos Defense is another good one. Considering your picks are all technology, FTEC is a solid ETF.
Same. I also gave shares of FTEC, which hold a significant amount of NVDA, AAPL, and MSFT. that pretty much covers everything I need tech wise
1st, no one can give advice since we don't know your LT/ST gains, if it's taxable account, 2nd, the chains on FTEC VTI MAGs and similar ETf's are likely pretty illiquid, you can check spreads on 2 year legs for yourself lots of other rabbitholes here...
I love FTEC been DCA since it was $35 a piece.
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.
QQQM only out for 5 yrs. Yes XLK, SCHG, SMH, FNGS(etn), FTEC and MAGS will easily... all higher TR from QQQM inception.
I don't think the semiconductor ETF's are good for long term I am currently torn between QQQM VS SCHG I don't like XLK and FTEC as much because they are too top heavy
I like your current portfolio but I’d change QQQM to FTEC or VGT
I’d go VOO, FTEC or VGT (I think they’re better than SMH), VYM
I would probably ditch the Japan etf, split that between the sp 500 and the all world, lower NVDA and Alphabet and put that into a Tech etf like FTEC or Nasdaq 100 etf like QQQ. Then take 1-5% (start lower to begin) and try to invest in higher risk higher reward asset like basically stock picking the next big thing. Do your research and develop high conviction. Look up the barbell method
I do think going 100% into tech will beat the market over a long period if you can stick with it through extended bear markets. However, I would recommend tech ETFs like FTEC, SMH, IGV, QTUM, maybe even CQQQ, for 50% of your portfolio. With the other 50% try a momentum strategy with single stocks, because the top growers will change year after year,decade after decade. You might also consider BTC and ETH which have an even larger potential for growth if crypto stabilizes as a true asset class. But only do any of these things if you’re trying to get rich at the risk of underperformance, which could be significant. If you stick to your current portfolio long term it is guaranteed to underperform because companies come and go, trends change, winners become losers. But the people who make the highest return are those that go all in on a single factor that happens to be the right factor, but also have the lowest return if they bet on the wrong factor.
You could go 50/50 VOO and FTEC or VGT.
If you really want tech you should pick a tech ETF like VGT or FTEC. QQQM isn’t strictly tech.
I'm a big fan of QQQM it was one of my first buys. I also very much like FTEC for its select technology concentration. I hold both in my Roth.
You could also go w an IT sector fund like XLK or FTEC and get good exposure to both plus MSFT, AAPL, ORCL, PLTR, AMD, CSCO, CRM and more.
Buy FTEC and IVV Hedge? GLD
It’s a shame FTEC doesn’t hold Google shares
Invest it monthly into a low-cost growth fund like $SCHG, $SPMO, or go full hog on technology with $FTEC. At your age, put this in a Roth IRA (up to the yearly max); the rest in a brokerage account (Fidelity, Vanguard, etc.). IF you want to dabble in some dividend paying ETF's (that are also good growth vehicles), try $CGDV. Good luck!
To each their own, but I look at options more like long term investing. I sell secured puts and covered calls and buy to close if it makes sense, ie, contract already at 30-50% of full value in a short period of time like 1st week out of a month long contract, or suspect possible downside looking at RSI/Bollinger bands plus already made good profits. I look at buying call options more like gambling and would only do that with a very small portion and we had just experienced a huge drop, and I suspect that drop was an overreaction or we will recover by my expiration date, and even then prob wouldn't hold until expiration. SPLG for small account index trading, QQQM for medium, QQQ for larger. Honestly for small account though swing trading with shares outright has been more profitable. SPMO, CGDV, FTEC, idk your account size but if goal is growth, there's some great ETFs to DCA til it's big enough to Wheel QQQ, (im doing 1dte during overbought territory, 20Delta PUTS til assigned.) But good luck regardless. Still learning too.
3 fuNd portfolio here- VOO, SPMO, FTEC
I started in my 40s as well. I have read that you need to invest $2000-2500 a month to catch up when starting at this age. I don’t have that much to invest so I’m instead investing in a higher risk portfolio. I’m not saying I recommend doing this but I either succeed or I fail and I know that a conservative boglehead 3-fund portfolio won’t get me there at this age. If I bet on the wrong funds I might make a lot less than I would with a 3 fund portfolio but if going the safe route is guaranteed to fail id rather risk it on something that has a chance even if it might end up underperforming. Most risky portfolio I’d be willing to do: SPMO, FTEC, SCHD, AVUV, FBTC, split equally, rebalancing annually for 15 years and then take a more conservative approach in retirement, maybe 30% SCHD, 30% AVIV, and 10% into the others.
I’m actually trying to decide which one to continue contributing to. FTEC is obviously pure tech and QQQM is diversified in comparison. I guess for an aggressive portfolio, FTEC is the right one.
You can double your time frame as well... if you retire at 57 you will still have some amount of equities at 77 or later. I just keep 2 core funds. But I always thought it would be interesting to hold something like FTEC or QQQM into later retirement without touching it.
Sounds good to me. I am 75% VOO, 23% FTEC and 2% IBIT across all my accounts. I'm 43 and fired 4 years ago to Mexico. I know this is a higher risk portfolio than is typically recommend but I can cut my expenses in half at any time if I need to.
If you’re trying to be aggressive I would just overindex on tech ETFs like FTEC or VGT but that’s just me.
I'd need MSTR out as well, when those two go the index will take decent sized hit. The best alternative I have found so far is FTEC (though I just found out it has a small portion of MSTR). anybody know of better alternatives
The only thing I have to say is I wish I bought more FTEC
If you're under 40 and want a vanilla account go 50/50 with any SP500 ETF and FTEC.
FTEC doesn't have a lot of volume on a daily basis, but based on its holdings, and from looking at the chart from Friday, it looks like the normal spread during regular hours is probably not more than a nickel, if that. So just log in when you're ready to do your trade, look at the bid/ask then and if it's a nickel or less, I'd say a market order would be OK if you just want to get the job done fast. Or just put in a limit order at the ask. A nickel doesn't mean shit on a $205/share stock. if you try to get cute and save a penny you could end up spending half an hour chasing a fill.
FTEC. This is for hypothetical purchase while I'm sitting at my desk at work eating lunch. I was going down a rabbit hole on how to evaluate ETF's. Not that I'm planning on trading but just educating myself. I already have 40k in FTEC and plan to leave it there. One article lead to another lead to be evaluating liquidity and ask/bid spread.
In terms of your investment strategy, it makes sense that you’re leaning toward aggressive growth given your age and time horizon. The portfolios you’re considering are all solid, and honestly, you can’t really go wrong between them, but there are a few nuances that might help you fine-tune the decision. Your first option using FSKAX, FTEC, and international exposure like FTIHX or FZILX is probably the most well-rounded aggressive strategy. It gives you broad US market exposure, tilts toward high-growth sectors with tech, and still includes global diversification. That kind of setup gives you a good shot at outperformance without putting everything on one bet. The only thing to be mindful of is the tech overweight, it can swing hard in either direction, so just be ready to stomach the volatility. The second option with VOO and QQQ has a bit more redundancy, since QQQ and VOO overlap a lot in holdings. You’re really doubling down on large-cap US, and particularly tech-heavy names. That could work really well if the AI-driven rally keeps pushing, but it’s also the most momentum-heavy of the choices. The risk there is you’re paying a premium for assets that have already had a big run, which can hurt if there’s a correction. The third option, mostly FSKAX and FTIHX, is simpler and probably smoother in terms of performance. It gives you great global diversification and lower volatility, but it’s also the most conservative of the three in terms of growth potential. That might be totally fine depending on your risk tolerance, especially if you want to leave some room for life purchases like the house or the boat. If it were me, I’d lean slightly toward option one. It captures a strong long-term growth trajectory while still spreading risk across sectors and geographies. You can always adjust over time if tech gets too overheated or if international markets underperform. And honestly, with your income and age, you’ve got plenty of room to take some calculated risks now and shift more defensively later. One last note, it’s smart that you’re considering the house and surf boat, but maybe segment your capital a bit. Keep some in HYSA or short-duration bonds if you know you’ll need it in the next year or two, and invest the rest with a 5+ year horizon. That’ll keep you from having to sell during a downturn if something big comes up.
You have a pretty long time horizon for investing, so my (17F\*) advice is to stay an aggressive investor, mostly invest in tech ETFs (FTEC, VOOG, etc.), set up recurring investments of about $10 or so every Monday, and keep your money in the market for *decades*. I know a lot of people who treat it like gambling, *please don't do that*. Otherwise it looks great! \*I'm only 17 and I'm not an expert, so please don't take my word for it. Redditors, please correct me if I'm wrong!
I’d say 5-15% in something like QQQ, FTEC, or crypto if you’re wanting to take on more risk.
You did the right thing. https://www.investopedia.com/articles/investing/030916/buffetts-bet-hedge-funds-year-eight-brka-brkb.asp Buffett's ultimately successful contention was that, including fees, costs and expenses, an S&P 500 index fund would outperform a hand-picked portfolio of hedge funds over 10 years. The bet pit two basic investing philosophies against each other: passive and active investing. VTI and BFTC is fine, I have something very similar and it’s killing. you could add a growth ETF like FTEC or QQQM. Good on you for having FBTC in the Roth; make that untouchable from a tax standpoint.
If you want a small cap tilt, use small cap value, like AVUV. There's a good chance that offers a risk premium, no so much with small cap growth. There is no risk premium offered by sector funds like FTEC. The fact that tech has done great the past 10-15 years, if anything, is an indication it will not do as well in the next 10-15 years. Sector outperformance is cyclical, and tech is NOT always the big winner. Sector funds offer uncompensated risk.
I have the same allocation for all our accounts. 75%VOO and 25% FTEC for 2 Roths, 2 IRAs, HSA and taxable account.
It's just a leveraged bet on QQQ. Just own FTEC or QQQM. I worry about what happens to BTC when quantum computers crack encryption.
Thanks for letting me know, although I do want to hold FTEC, I’ll probably make it not my entire portfolio. I may diversify more with QQQM or s&p 500. Is there anything you recommend specifically? Maybe like 50/50 qqqm and s&p?
When you're buying an ETF it doesn't generally matter where you have an account: Schwab, Fidelity, Vanguard, etc. You can trade any of the ETFs through it, generally with no transaction fee. If you want diversification check VTI over QQQ (and its related funds). QQQ while more diversified than FTEC, is pretty similar, and doesn't really diversify you very much.
Thanks, I only have a fidelity account and will stick with it forever. I don’t think I want to be all in on tech, maybe 30% FTEC and 70% QQQM to still have a high tech concentration but be a little more diversified.
QQQ is a composite of the NASDAQ exchange, which is tech heavy, but it is not pure tech. FTEC is all tech. Another alternative to FTEC is VGT, Vanguards tech ETF. Vanguard and Fidelity are two great fund companies, I also like the few Schwab funds they offer, but they do not have a specific tech fund. FTEC's expense ratio is 0.08 vs VGT's 0.09. I might switch between these two in order to capture potential end of year losses for tax motivated loss harvesting, while still staying invested in tech. I think the funds are different enough for the IRS to accept that, even with the performance being identical.
I’m 16, U.S, part time employed part time student. Want to take advantage of compounding interest in Roth IRA, can max it every year. High risk tolerance and can rebalance later in life. Should I go higher risk like FTEC? Or just simple s&p 500 like FNILX (0 expense ratio w/fidelity).
I’m in the same situation as you. I’m young with a high risk tolerance, looking for something to buy for my Roth IRA and hold forever. Is FTEC a better option than something like QQQM?
Tech innovation has been changing the world for four+ decades and it continues to. The tech itself changes lives, but it's also the foundation of most of the innovation in all industries. Make sure you're tech weighting us heavy. Just strap in and wait. Think qqq or FTEC or .... I've always been a bit over weighed, but I wish I had been much more over weighted.
I have $ in various Fidelity ETFs to gain exposure to stocks I don’t own directly, knowing there’s definitely some overlap. FIDU, FSTA, FPRO, FENY, FPRO, FTEC, FMAT, FMDE, etc. Whatever brokerage you are with probably has the same.
For tech ETFs, I like FTEC for general tech, SMH for semiconductors, and IGV for software. I do think just doing ETFs is better just in case stronger companies come along. But I personally like investing in the top 1-3 holdings of SMH and IGV short term. NVDA has beaten SMH significantly every year for the past decade. I’ll likely keep investing in that for 5-10 years and then move the money to SMH eventually.
I started investing in my mid to late 40s as well. Since I don’t have a lot of time I don’t invest conservatively at all (I’ll either have the money in retirement or I won’t) so I avoid bonds, high dividends and large value. I invest heavily into tech because it has doubled the performance of the SP 500 over the last 30 years. Tech is very volatile but if you can get extra cash and invest when it’s down it will have even better. I have more faith that it will outperform everything else over the next 20 years. A very risky portfolio that has been recommended to me: 20% SPHQ, 20% SPMO, 15% XMMO, 15% FTEC, 15% IGV, 15% SMH. This will cover you in all phases of the market cycle but you’ll be betting on US outperforming international long term. I think that’s a fair bet because if international outperforms over the next 20 years you’re screwed unless you invest 100% international. So bet one way or the other. This portfolio will either get you the returns you need to retire in 20 years or it will do poorly. But in my opinion some money is the same as no money if you can’t retire on it, so it’s worth the gamble. At or near retirement if you have enough money built up, switch to 25% AVIV, 25% SCHD, 25% VOO, 10% SPMO, 10% FTEC, 5% XMMO. I’m sure 99% of people on here would disagree with me, but most of them have the luxury of taking a more conservative route and coming out on top no matter what happens because they either have more time or money to invest. Any other suggestion will work fine too if you have at least $2500 to invest every month.
Have you checked out FTEC? It tracks MSCI USA IMI Information Technology 25/50 Index which is more broad based technology than QQQ. You may see that as a positive out a negative depending on your perspective.
I sold half of my FXAIX and VTI once my account total went from 475k to 375k. I've bought back in since. I sold all of my QQQ and FTEC positions (46k) for a miniscule gain two days prior to the NASDAQ rising by 12% in one day. I was absolutely flabbergasted. I experienced FOMO and bought back in within 30 days, triggering a wash sale. Definitely regret selling, and I only sold half. I seriously set myself back.
Yeah the income funds are better if you come into a ton of money and want to collect dividends as extra income or if you’re retired and want to live off of dividends. But you have a lot of time for investing in more growth. Personally I am tech heavy with FTEC, SMH, and IGV.
Not exactly how volatility works but I see what you're saying. Don't forget the lows will be low! Maybe add some VGT or FTEC for higher tech exposure. Good luck!
Wow! Great reply! This post saved me a lot of writing, as I was going to say much of this. Two opinions I'll add: I won't invest in healthcare. Almost all the profit these companies make comes from one country that's so poorly governed at some point it will have to correct itself and when it does the biggest correction will be to stop overpaying for healthcare that's driving it into bankruptcy. That will really hurt the day dumb happy healthcare industries. Consider FTEC, or the like. Twice the S&P, and long term better than any much higher risk future funds that I know of. Very low expense. Most innovation is powered by info tech. So being in info tech gets you the growth of it, but also the growth due to it in other industries. Been doing such for almost 40 years now with no regrets. Well, only one - that I didn't have my entire profile in it.
The funds you have are a good start. I would limit your allocation to the bond fund if you are relatively young. It's a judgment call if you wish to hold more concentrated assets. One possibility is the tech index, via an ETF like FTEC or VGT.
I am 32 years old. Due to financial regulations, I was only allowed to have an archaic Merrill Lynch account. Thankfully, as of yesterday, I am able to break free and move to Fidelity. I felt very constrained at ML. Now that I am able to start fresh and actually invest a lump sum of money in fractional shares of ETFs and mutual funds, I am trying to figure out the right diversification. I plan to invest about $1,000 a month into the following: 35% into FTEC 35% into SPLG 25% into FCNTX Is that a good mix? (I am aware some of these funds will have overlap in stocks and sectors.) I also plan to contribute an extra $50–$100 a week into FCNTX. I am really looking at that one fund as something I can grow, collect residual capital gains from, and not have to think about too much. Another fund I was considering is FOCPX in lieu of FCNTX. I am also open to seeing if I am overlooking any funds in Mid Cap Growth or Small Cap Growth or a Blend. Thanks!!
This. You’re 22. At least add a tech only ETF like FTEC.
Terrible advice. u/Asap316 , you'll be fine with what you already mentioned voo/qqq/qqqm. Whatever you do stay away from JEPI and JEPQ |Ticker|Sharpe3Y|Sharpe5Y|Sharpe10Y| |:-|:-|:-|:-| |VOO|0.61|0.82|0.73| |QQQ|0.76|0.78|0.86| |VGT|0.71|0.79|0.91| |XLK|0.68|0.82|0.93| |JEPI|0.34|0.75|0.00| |JEPQ|0.67|0.00|0.00| |FTEC|0.72|0.80|0.90| |SPMO|1.00|1.01|0.00|
0.75% is not trivial 0.075% wouldn’t even be trivial. That’s around what you’re looking at for FTEC.
If both are in the “MAG7”, there’s the XMAG ETF which doesn’t contain those MAG 7 stocks, rather the remaining 493 or so in the “large cap” index (typically S&P 500). Then perhaps buy the remaining stocks individually on the market. If both are “consumer discretionary” stocks, you could buy a low cost tech ETF index like FTEC and then a “value” index fund like Vanguard’s VTV or iShares IUSV. Another idea is see if they are excluded from a “quality” screened index (like iShares “QUAL”) .. as somewhat problematic stocks also have a lot of leverage and perhaps sales problems.
Either **VTI** (total US market) and/or **FTEC** (US tech index) would be better options.
SPLG QQQM SCHD FTEC is a good base to start from. All are cheap and cover the same as VOO QQQ VGT. SCHD is for dividends. The one stock I would advise to anyone is Amazon. E-commerce, robotics,AI, cloud computing, prescription drug delivery, autonomous cars, space rocket program.
I advise you include a "total market" fund or two, such as VTI (US mkt), VEA (non-US developed mkt), VWO (emerging mkt), etc. In lieu of QQQ, consider FTEC or VGT for the US tech index (both have lower expenses than QQQ). I would definitely not put 25% in BND.
For me I would keep the money in a high yield savings account because you need it so soon. Over a five year term the SP500 actually loses value around 10% of the time historically or over 20% chance it will underperform holding the money in high yield savings. You say you are open to volatility so that must mean you do not really need all the money you plan to invest for the home purchase, otherwise you would not be able to tolerate the risk of loss. If that is true, then I would recommend a broad market fund like VOO. Around 80% of the time for your investment timeline that will outperform a high yield savings account. If you cannot tolerate the risk of loss then play it safe and put the money in a high yield savings account. If you want something even riskier than that for a five year timeline then you are boarding on gambling level risk rather than intentional investing, that said, if that is your preference then you could pick a sector ETF based on what you think will perform best over the next few years, maybe FTEC for information technology and getting a reasonable amount of Nvidia without putting all your eggs in one basket, or pick a couple individual stocks, or go to a casino and put it all on black. It just comes down to risk tolerance and what you think will do the best over the next five years. I would recommend high yield savings.
Frankly, you should not be buying individual stocks. Buy a nice Tech ETF like VGT or FTEC and own them all.
**Looking for dividend funds/ETFS...** * 40 year old, currently living in Southeast Asia. * I do not currently have a paying job. * I want $2,500 in passive monthly income. * I receive my only income through rent \~$1,600 net monthly. I paid $370,000 in cash for a condo in 2022. It's probably only worth about $400-425,000 at this moment. The ROI is bad. * I have zero debt. I want to sell the condo and re-invest into dividend funds with a goal of getting $2,500 a month from dividends, after the sale of the property. Let's assume I will have $400,000 after the sale (I'm a realtor). I have $200,000 in other investments (50% between FTEC, FZROX, QQQ, FNILX, SCHG, FNCMX, ITOT) which I don't draw on for living expenses, but I don't mind reallocating. * What's the initial capital needed and selection of funds/etfs/stocks to get $2,500 in passive income after 2 months?
Most signs point to us being in the late stages of the business cycle. Don’t believe me? Pick your favorite AI and ask it. That said, there does not need to be a sustained and deep correction to the market unless a number of very bad things happen that aren’t normal for the business cycle. I happen to agree with the AI that this market pumps so hard and think a recession is imminent, but I don’t know that it will be deep or long and lean toward it probably not being that. I still have about 2/3 of my money in the market and the rest in cash and bonds. The stuff I sold were the broad ETFs like VOO, SCHG, FTEC etc because I do think I will be able to get back into those below these prices in the next twelve months. I kept most of my individual stocks and any defensive ETFs and also bought a few short positions on the market. If you continue to see drops in revenue during earnings like we have seen start with things like MCD, share prices will come down. But if that happens, many people will have a new problem in that they don’t want to buy before the bottom and they won’t do anything. I highly recommend people that want to try to time the market prepare themselves mentally for what that actually entails psychologically. If you aren’t prepared to make mistakes and take risks then you should just put your money in and leave it there.
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame, FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
FTEC is a sector targeted fund so in my opinion strikes a balance between straight up diversification and fulfilling your goal to be a more active trader while mitigating the worst of the risk. Just my take, but do what you prefer, at the end of the day it is your money. Good luck!
I think reactionary trading of individual stocks is a near guaranteed way to lose out on money you could be making with a consistent strategy. If you are bullish on tech consider buying a tech fund like FTEC as part of your asset allocation strategy. People who trade more tend to do less well than those who buy and hold and people who pick individual stocks tend to do less well than those who just buy well rated broad market funds and forget about it.
XLK or if you want more midcap exposure, FTEC. Maybe some small positions in some high risk, high reward areas you mention if you insist.
60% VTI, 20% VXUS, 20% FTEC The companies held in those funds are well diversified and almost certainly will be the ones in the future to reap the benefits of tech innovation. They will either be the ones to innovate or they will buy the companies that do. VTI is a broad market U.S. fund, VXUS is a broad market non-U.S. fund, and FTEC is a tech sector focused fund, but even VTI and VXUS have an outsider portion of their holdings in tech already, which is why I only recommended 20% in FTEC. This allocation remains reasonable while meeting your goal of a strongly tech tilted strategy.
Yeah, that and $6k in FTEC at 140 that day was possibly my greatest market timing moment ever. I just wish I had spent more than 20% of my available cash then.
I have $1000 to add to my portfolio and I also lowkey know absolutely nothing. I was going to sell QQQ once it wouldn’t be at a loss but I don’t know if I had a good reason for that. I’m 20 in SE US but I want to move further north in the next 5 years and maybe out of the country long term. Full time college student (junior). Income is basically whatever I can scrap together because I don’t have any expenses my parents don’t cover at the moment since they will pay for groceries/gas/rent until I graduate and get a more permanent job (and they are also covering my student loans). Once I do I will probably make like 40-50K towards the beginning and maybe 70-80 later. My objective is pretty much to get things started/a solid base to be financially stable in the future. So eventually the house and retirement thing but right now I just want to figure things out. The money I have in there I don’t need and I plan to act as if it never existed and it’s not even an option to take it out. I will probably need some in like 10-15 years but I plan on leaving most of it in there as long as possible. I don’t care about risk at all but that’s probably because I don’t really understand it at all but like I don’t need this money right now so like wouldn’t it recover eventually? FTEC 1.147 shares $177.80 +$13.45 +8.18% QQQ 0.44 shares $200.11 -$29.74 -12.94% VOO 1.257 shares $618.93 -$36.83 -5.62% VXUS 0.959 shares $59.99 +$6.24 +11.60% XLE 1.03 shares $83.36 +$2.64 +3.28%
I typically follow a “Ramseyesque” style where I put 25% in growth stocks (for instance SPYX), aggressive growth (ESML or even FTEC), international (EFAX) and dividend (SCHD or XLP). I tend to focus on index funds that have a historically good rate of return, are fossil fuel free, and are passively managed. As an environmentalist I do lean toward that anyway, but it also gives the added benefit of being shielded from the volatility of oil. If an oil spill happens it won’t be my investments that take the hit. I can’t stress enough how important the international portion of your investment is. This protects your financial assets from being too heavily dependdependent on the US economy. Your job, your home’s value, your US equities are all dependent on the domestic economy. Don’t put all your eggs in one basket!
BRKB FTEC VOO. 33% in every one everytime i DCA. I just added today at near end of close very happy to start my first my dooms day DCA here. I will keep buying in small amounts to spread out my cost basis. Most importantly 50% of pay goes straight into brokerage account this entire year. Im on rice and beans during this fire sale year!
I have 15k loss in mostly invested in FTEC, is these still better time to exit? Any advise?
You could choose a sector ETF like FTEC for information technology or FUTY for utilities, but honestly if I were you I would just put the extra in your HYSA or put it in VOO instead of some random third fund.
Is FTEC not broad or diversified enough to withstand an AI bubble?
I’m just planning to buy more FTEC
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!