Reddit Posts
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
What if you want a financial advisor... just not right now?
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Max out my Roth IRA at the beginning of 2024 or pay off my car loan first?
What is best fund to invest in SP500? (FXAIX, VOO, etc)
What’s the difference between FXAIX and FNILX?
Portfolio Input! Let me know what you all think
Do I need to include a small cap index / etf in my Roth?
Swapping my 401k from a target date fund to FXAIX
Should I “set it and forget it” with VTI or FXAIX?
60% of my Roth IRA is in FXAIX, but I've also started investing in FFNOX. Should I keep them split or join them?
Just opened a Roth IRA and a Brokerage account with Fidelity at 20yo, what's the next step?
Are passively managed mutual funds as tax efficient as ETFs?
What if you stop contributing to one of your IRAs?
Lets end the debate: FXAIX & FSPSX or FSKAX & FTIHX?
Is FXAIX purchase price based on the updated price at the end of previous day?
App to research stocks and etfs + history of said securities?
Should I change up my current distribution on my 401(k)?
How does the compound interest strategy work when purchasing basic mutual funds that track the S&P500?
Are there any tools available to help avoid wash-sale rules when doing tax loss harvesting and investing in a new position?
Money never seem to go up. Am I investing correctly?
Investment strategy for a 5-10 year goal. Thoughts?
Good idea to invest in multiple s&p500s in one roth IRA?
Good Fidelity fund for someone who will retire in 7 years.
I just turned 17 and have made around 15000 dollars working as a server. This is mostly saved. Any recommendations investing?
My Roth IRA performance is lagging over the years and needs a tune up - your opinions and ideas; a discussion
Does VOO rebalance stocks for the shares I already own over time?
Looking for tips on a short term lump sum investment
If I'm starting to pay attention to asset allocation, should I ditch target date funds entirely?
Is FXAIX worth the low expense ratio? Or am I better off with a vanguard fund?
How is everyone splitting their ETF/Mutual/Index funds?
Would selling a mutual fund then buying an ETF that tracks the same index trigger a wash sale?
Please be honest.. Are my 401k Management Fees That Bad Compared to Average? 0.70% Total Annual Operating Expenses ($7.00 per $1000).
Advice on my prospective investment selections for HSA, Roth IRA.
Want to Roll Over Current Index Funds into FZROX/FZILX - Thoughts?
Thoughts on this Breakout of Fidelity funds? - Goal is fairly aggressive growth
Thoughts on this Breakout of Fidelity funds? - Goal is fairly aggressive growth
Mentions
lol, i just keep it simple between those three and well FXAIX and FSPFX are mutual index funds; those stay in my Roth IRA. overall since the last week im down $3000: but im still gonna buy some more tomorrow
Honestly yeah idk why everyone is panic selling this shit was expected for awhile. Times as good as any to buy buy buy, don’t try to time it either just fucking buy. I’m all in on FSPTX, QQM, FTEC in separate accounts , also keep my bread and butter 75/25 FXAIX/FSPFX
FXAIX doesn’t distribute capital gains anymore. They changed a handful of years ago.
That’s why you buy FXAIX in a tax advantaged account and VOO in your taxable one
Most of my 401K is in FXAIX as well. It's better than my TDF option
Fidelity 401k user here, 27 years old. Here's my allocation: \- 50% FXAIX (S&P 500) \- 25% FSGGX (international) \- 10% FSMDX (US mid cap) \- 5% FSSNX (US small cap) \- 10% company stock Mind you, this portfolio is paired with a roth IRA that is 100% pure VT etf.
Why VFIAX instead of VOO/SPY/FXAIX/etc? Is the issue the fees or that you want to change from being invested in S&P 500 to bonds?
Don’t try to pick the needle in the haystack buy the whole haystack. I put 500k in FXAIX at begging of 2022…. Wasn’t good but i just let it ride and it got good.
FZROX and FXAIX are very similar as S&P500 is a big part of the total market, so you are not missing anything either way. It's 100% equity either way, so as aggressive as you can be kids have a $1,300 standard deduction, so they can realize up to $1,300 in passive income per year without filing returns or paying any tax. Some of that space will be taken out by dividends, but, depending on your balance, you can have some more tax free space left at year end. So you can sell your investments and buy them back the next day. Say you have $5,000 invested, they earned $250 in dividends throughout the year and also appreciated to $6,000. At the end of December you sell your FXAIX and buy it back, realizing $1,000 in capital gains and stepping up the cost basis to $6,000. Since the child's total income for the year is below $1,300 they don't have to pay anything
What do you mean by harvest gains? I’m not familiar with this term. Also, my Roth is currently set up with 80% FXAIX, 20% FZILX. I know this is a highly aggressive mix, but would you think being that aggressive with the UTMA is a bad idea? Having my Roth set up like this has done really well so I was originally planning on mirroring it for the UTMA. FZROX does offer better diversification with zero fees, do you feel like you are trading zero fees for less growth though?
Put 150 of it in cds for no risk gains of 4% every 6 months. Put 50 of it into medium risk mid caps with potential to outperform (with good DD) Put another 50 into VOO or FXAIX for large cap exposure with low expense ratio
Thank you for taking the time to reply. I have been watching many vids and what confuses me in [this video ](https://www.youtube.com/watch?v=7a0BRIAufBA&list=PLVCuZ_bU6InHmD1FSWqzrTeyU5RkJQqVF&index=6) is he is always using the value at the expiry date of the contract, never implying that at any point the buyer could call away the shares. This is my grey area on when a buyer decides to take their profits and call a contract vs. letting it ride to expiration. Maybe he is just doing this for ease of calculations/illustration? Sorry, I did mean to say buyer. As I said I'm very new to options and just exploring options. I have some stocks that I plan to hold until retirement (20 years) and i'm looking to just make a little more return on them. In a roth I hold a decent about of FXAIX that I was considering moving to SPY so I could do some long calls on them for just that purpose. **Doing the math.** FXAIX is up over SPY about .05% over the last 5 years and the Net expense ratio is .0015 for FXAIX and .009 for SPY. That puts FXAIX ahead by .075% to begin with. That's only $75 on 10K so not much. **Correct me if I am wrong but, tthe financials look like this based on current SPY options chain 5/15 740 strike price (I think?).** **If it is called away** **on 5/15** * Sell 100 shares at $740 strike price May 15^(th). $4.59 $459 * Profit to $740 ($740 strike price-$691 price at time of purchase) $490 **Total profit:** (If called away): **$5,640** Note: I do understand I am capping my upside here, but this is also being done w/ the assumption the S&P 500 is going to be stable or or at least not up over 7.5% by 5/15. (if option expires worthless): **$459** for a return of (.6% gain, annualized 2.14%) for doing nothing w/ something I am already holding. I'd love options on this though process. It feels like it's a win win for me w/ a slightly capped upside but at least a 2% annualized profit. I do understand that if SPY went up 10% 3 months then I'd be out that 2.5% difference of course. Thanks much, Dave
Hey man I felt that I’m doing 100% FXAIX 😂
I put half my 403b into FTIHX and frankly I’m thinking about moving the rest (it’s still in FXAIX tracking the S&P)
With a 7 to 10 year horizon and only 66k, the bigger risk is a large drawdown right before she needs the money. FXAIX is not bad, but 100 percent equities at 62 can be stressful if markets drop 30 to 40 percent at the wrong time. Since the house is paid off and there is Social Security coming in, she does have some buffer, which helps. Still, I would think in terms of balance rather than all in or all out. Something like a simple split between equities and safer assets could make sense. For example, 50 to 60 percent in a broad equity fund and the rest in bonds or cash equivalents. That way the money can still grow, but a bad market year does not completely derail things. At that age, peace of mind matters as much as maximising returns. A plan she can stick with during volatility is usually better than the theoretically optimal one she might abandon at the worst time.
gemini has a good "risk assesment for an investor of fxaix with 7 - 10 yrs before retirement" snapshot of the summary is below. "If you are 10 years out: Being 100% in FXAIX is aggressive but common for those with high risk tolerance. If you are 7 years out: It is time to start "locking in" some gains. Moving 20–30% into more stable assets (bonds/cash) can act as a shock absorber."
The SP500 has recently been slowing down due to growing concerns about an AI bubble as institutions have been pivoting away and into precious metals and international equities. I would recommend diversification and I personally would not put all of it in FXAIX. International equities in the past year have been on a tear and I would suggest some allocation into that. If she's with Fidelity, they offer FZILX which broadly tracks international equities and has an expense ratio of zero. They also offer another mutual fund with an zero expense ratio FZROX to track the whole US market if you're interested in expanding into midcaps and smallcaps.
Just switch to an international index fund. They're already outperforming the SP500. [https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPSX](https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPSX)
There's still a lot of overlap here. FXAIX, FSKAX and FNCMX all have the same top mega cap companies taking the majority of the weight. 90% of FXAIX is in FSKAX as well. You're basically investing in the top mega caps 3 times. A better way to diversify would be to do: 50% FXAIX 10% Mid cap etf 10% small cap etf 30% FZILX For the mid and small cap, you can find one that seems good to you. AVUV is a good small cap etf that a lot of people recommend. But you have fidelity mid and small cap funds for very low exp ratio. This way, you have no overlaps and have exposure to mostly everything. This is a simple "set and forget" portfolio for roth ira. Hope this helps.
Looks like you’re off to a solid start for growth at your age. I’d just keep an eye on overlap between FXAIX and QQQM both lean heavily on large cap US stocks so shifting a bit toward broader or international exposure can make sense if you want diversification without overcomplicating things.
Looks like you’re off to a solid start for growth at your age. I’d just keep an eye on overlap between FXAIX and QQQM both lean heavily on large cap US stocks so shifting a bit toward broader or international exposure can make sense if you want diversification without overcomplicating things.
As a fellow Turkish friend, I want to share my personal experience from this year when I bought a house. I purchased a home with a 3% down payment, which is very low. People usually recommend putting at least 20% down to avoid PMI, but my mortgage rate was 6.75% at the time. Now I’m about to refinance and lower the rate to 5.75%. I would still suggest buying a house and not being afraid of the housing market—rates are dropping. Of course, this only makes sense if the housing market is affordable in the state where you live. California and Massachusetts were far too expensive for me, so I had to move out of those states. Because of that, I chose to put the minimum down payment and invest the rest of my money in ETFs like FXAIX, FSPSX, FSELX, and REMX. They performed really well last year. I didn’t want to lock all my money into housing, but this really depends on the person. Some people feel more comfortable with lower housing payments and don’t care much about investing because it doesn’t feel safe to them. And if your parents does not spend their rent and pension from Turkiye, then make them put the money in Faiz Korumali Hesap. It still performs relatively when even when you consider USD/TL movements. It is relatively safe and will pay so much better than HYSA accounts here. My suggestion is to divide the money, and find a healthy spot with mortgage payments you are comfortable with and invest the rest of the money. Kolay gelsin
True. I own both FXAIX and FZROX, and they have nearly identical returns.
Fidelity's zero fee index funds like FZROX are the ultimate set it and forget it investments. FNILX gives the same exposure to large caps as FXAIX but without the fees.
If you are a penny pincher instead of VOO or IVV, go SWPPX if you're at Schwab or FXAIX if you're at Fidelity 0.02% SWPPX/FXAIX vs 0.03% IVV/VOO Mutual Funds give less anxiety, imo and you can just buy plain dollar amounts. The con is you won't get updated prices until later on in the day.
no plans for bonds at this age may be in 10 years At some point advisor was managing at SC so he bought all of these..then I moved everything at Fidelity...so kept these...these days I'm just contributing to FXAIX
FXAIX and SWPPX are the same thing. Consolidate into one (expense ratios are identical so it doesn’t matter). Some will tell you to put all your money in the S&P 500 which historically would work fine but if you’re like me and you like the peace of mind of being diversified it’s nice to have the international, emerging funds on a small scale (I would stay at or under 20% in those). As far as the growth and value goes those funds are just attacking large cap stocks with different goals so keeping those at a small portion won’t hurt. Keep grinding.
I'm a few years older than you (30) but I'd prefer more diversification than just straight FXAIX, so between the two I'd choose FFNOX. Bonds are beneficial if they align with your general sentiment on risk (how well would you stomach a 25% correction or an 18 month bear market?), or anticipate a market correction in the coming months and you would reallocate those into equities. I'm pretty risk tolerant so my retirement accounts are 100% equities at this point.
I like FXAIX; I have it in my own Roth. But, with all the craziness in the US right now, a fund with domestic and foreign stocks might be good too. But, yes, whatever you choose, I would say all stocks and no bonds for somebody your age as long as you can handle the volatility and are able to focus on the long-term.
My father recommended I should invest in the FFNOX when I first opened my Roth IRA a couple of years ago. This year, I am trying to become more financially literate so I can try to make as much money as I can but also be smart about it… So is the recommendation then to the FXAIX then? Is there no benefits to be invested in bonds at this time?
So you think I should just switch to a FXAIX? I invested in the FFNOX as that is what my father recommended me when I opened it a couple years ago. Is there any benefit to being invested in bonds right now?
Yeh, mostly just my triad of FXAIX, SPMO, and SCHG for me. My wife's just getting started on her end, so quite literally need to live in "safe but boring" world for the next month or so before getting back into equity plays (assuming we hit more of a continued downturn).
why not use the dividned income of the existing funds to by a growth ETF? Try didn't mention the dividned in total per year or what the funds are . IT is possible some of the mutual funds are growth index funds. FXAIX is a mutual fund that holt he S&P500. So it is basically the same as VOO a growth index ETF invested in the S&P500. Mutual fund as basically the same as a modern ETF. some mutual funds focus on growth and and some focus on dividneds. You need to know what the funds invest in before making any changes.
Wow. That was a very helpful response. I appreciate it. Are there any specific Fidelity funds you’d recommend for the mid and small cap? Seems like some allocation of FXAIX (S&P500), FZROX (large, small, and mid), FZILX (International), and some small percentage of bonds would be good?
Hi everyone, I'm 19 and new to investing my own money, but not completely unknowledgeable on the topic. I'm looking to make my first contribution of $7000 for a 2025 Contribution to a new Roth IRA account on Fidelity, and this is going to be my first ever investment. Right now, I'm looking to do a 70, 30 split into a US fund and an international fund, respectively. I had a few questions, though: * Since I am doing it in Fidelity, I have the options for Fidelity mutual funds (FXAIX and FTIHX). What is the interest and difference between investing in these vs doing an ETF like VTI/VOO and VXUS? If I want to switch brokers at any point (for whatever reason, but probably not that likely), is there any downside to just investing in ETFs in Fidelity (fees/costs, transferability, etc)? * Considering the events going on in the world (Greenland, Iran, Syria, etc), is now even a good time to invest, or is it possible the market could go down in a few weeks or so with these events and be a better time to throw my money in? * I could DCA if that helps, but I understand that because I'm young the market will probably bounce back and not matter too much * Is it easier to set up automatic monthly investing with the Mutual Funds or the ETFs? I don't want to have to log in constantly to place trades. * How easy is it to rebalance my 70/30 split or even my investment strategy within a Roth IRA? Would appreciate any help on this. Thank you again!
That’s interesting. So “mutual funds” like FXAIX draw the short straw, PR wise, because technically they’re mutual funds even though they act like index funds?
Transamerica holds my account, they offer FTIHX. I just reassigned current holdings and future allocations to 50% that and 50% stay in FXAIX
I have my entire 403b and all contributions going into FXAIX, should I push it all towards international markets this year? Can the S&P really keep delivering 15%+ for a fourth consecutive year?
I'm 25 with about 20k in hysa for emergency fund and \~100k that i'm thinking of finally putting into an individual brokerage specifically in Fidelity for long term growth. For my Roth/401k/HSA , I am doing a very basic approach of 50% into FXAIX , 35% into international stocks (FSPSX) and 15% into US Bonds. I want this individual brokerage to be more intentional and possibly more aggressive. Would appreciate any advice including how to truly diversify my portfolio and not have too much stocks in the same companies/sectors. Thanks!
Just looking for input/opinions on portfolio ideas for my retirement accounts. Disclaimer: I don't consider myself a financially savvy person, especially when it comes to investing. These ideas come from a mix of google research and AI. I currently have everything in S&P 500 funds or Target Date Funds. Keep in mind that I have limited fund options for some of these accounts. If you want a full list of what is available to me I can provide it. I prefer to keep things fairly simple. I believe I can setup auto rebalance with Fidelity but I can't with my Schwab Roth IRA. I would say I have a fairly high risk tolerance at the moment. Currently 40 years old, with an expected retirement age of 65. Employer 401k (Fidelity): 55% FXAIX, 15 FSMDX, 10 FSSNX, 15 FSGGX, 5 FXNAX Employer HSA (BoA): 100% VTWAX Roth IRA (Schwab): 70% SWTSX, 20 SWISX, 10 SWSSX (If VT were an option here I would likely go 100% on that. I could do VTWAX again but there are transaction fees)
I won't speak for /u/Icy-idkman3890 but I suspect he was just responding to a dismissive & ageist attitude toward posters on the very sub you yourself post on. It's a pretty common - and IMO silly - sentiment around here. Moreover, if these "bunch of teenagers and people with < 5 years of experience in investments" are - alongside their individual stock (effective) gambling - concurrently DCA'ing into SPY, they're so far ahead of the game it's ridiculous. If it continues they'll be [millionaires by ~40](https://www.nerdwallet.com/banking/calculators/compound-interest-calculator). I started at more like ~26 (still have AAPL shares from '11) and am now trying to drill into my teenage nephews how crucial it is to start early. And my not yet crawling son has his FXAIX account already growing. If a teenager or even someone in their early 20s has the discipline to be buying stocks (real companies, not MEME trash) instead of the latest iPhone or whatever else, it's really impressive and I commend them. Lastly maybe your portfolio/dick size, had you posted it, is admirable and something to emulate.
For 24 with a long horizon, this looks solid but very tech‑heavy. Just be aware there’s a lot of overlap between QQQM, FXAIX, and your individual big tech stocks. That’s fine if it’s intentional just make sure you’re comfortable with most of your returns riding on US mega‑cap tech.
Solid foundation for 24 honestly. QQQM + VTI core is smart, low fees and good diversification. But real talk - those 5% individual stock positions are kinda pointless? Like Apple, Google, Meta, Amazon are already huge parts of QQQM anyway. Your basically double dipping without any real impact on returns. Either go bigger on individual picks (10-15% if you actually belive in them) or just cut them and add to your index funds. Also only 1% PLTR at your age with “moderate to severe” risk tolerance? Thats the one position I’d actually size up if your bullish on it. Your young enough to take some swings. The Roth being 100% FXAIX is perfect tho, dont touch that.
Need advice (Fidelity Specific) Still have alot to learn about investing. I'm a new anesthesiologist with about 250K saved (150K in 401K from residency and 100K in personal stocks), no debt, high annual salary, no major expenses except rent. My personal stocks are all a mix of FNILX, FTIHX, FXAIX, FXROX, SPY, VOO. Also have about 15K in SPAXX instead of a high yield savings account. Currently set automatic 2.5K every 2 weeks to buy those stocks above. 1. Any advice on what funds I should in regularly? I want to be very aggressive 2. Is parking my money in SPAXX fine or should I get a high yield savings account? I like seeing everything in one place 3. Any other advice? I can afford to put more than 2.5K biweekly if I want to be even more aggressive
I made a contribution to my Roth IRA. Worked out in my favor getting paid biweekly. I invest through Fidelity. FREL FXAIX FSMAX FSKAX FSGGX I understand there is overlap in my portfolio. I consider myself aggressive.
That's fine to not know it all yet, that's why the suggestion to get it invested into an S&P500 index (largest 500 publicly traded companies in the USA) while you learn more is a reasonable suggestion in my opinion. S&P500 is the benchmark that most other things are compared against to determine if they were "successful", i.e. did they beat the S&P500? When you hear about people saying so and so "beat the market", they're almost always talking about them outperforming the S&P500 specifically. So if you invest into an S&P500 index fund like VOO, FXAIX, SPY (separate S&P500 index funds managed by Vanguard, Fidelity, and Spyder repsectively) you will be matching the "market rate". Whether that is a gain or a loss is another story. Order of importance of what accounts to put money into is generally described on this sub as: 1.) 6 months of expenses in HYSA (i.e. money market fund, highly liquid) as "emergency fund" 2.) 401k contributions to meet full employer match 3.) Max an IRA 4.) Max out the 401k contribution 5.) Taxable brokerage As far as what investments to make, if you're young something like 50% S&P500 index or US total market index (like VT), 50% Global index this sub might recommend. But it depends on your risk tolerance. There are other funds that have a good chance to outperform those, but you might see -50% on a down year where S&P500 might just be down -20%. Personally I like to research companies and pick stocks, but I'm also not a professional, so I like to hedge my picking by allocating around 50% of my entire account portfolio to S&P500, then pick riskier index funds or individual stocks with the rest. I also spend all day every day focusing on it, which not everyone wants to do, so the general recommendation on this sub (this sub slants to low-risk consistent gain over time) is to stick to index funds.
Mutual funds are not traded on the market. you have to buy shares from fund management. Any dividends received by the mutual fund are payed out to fund shareholders. Mutual funds also occationally have capital gains distributions. ETFs are similar except: * shares are purchased on the open market. * ETF have a way to avoid capital gains distributions. But in extreme cases they may have one. Otherwise they are basically the same and some mutual funds also have very low fees as ETFs. The capital gains distributions is the only tax difference. I invested in FXAIX a fidelity mutual fund that invests in the S&P500 II have only seen one captial gains distribution from this fund. besides I just took that and the dividend and reinvested them for more shares of FXAIX. And there are no taxes if FXAIX is in a ROTh, IRA or 401K. The tax difference between these two funds is a minor issue. Not enough in my opinion to avoid mutual funds. If FXAIX is in a taxable account and there are no capital gains distributions there is no difference in taxes when compared to VOO or any other S&P500 ETF index fund.
A Roth is a taxed advantaged account so yes - there you can move the positions around. All the funds you mentioned are Fidelity funds - I assume you have a Fidelity account. If so - if you plan to consolidate FXAIX and FSPGX - you may want to consolidate into FNILX which is basically a zero expense version of Fidelity's large cap index fund. FZIPX is Fidelity's zero expense version of FSKAK. See here for list of Fidelity ZERO funds - [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds) As for allocation of holding a total US market index fund and a US large cap index fund. The reason why some people may choose to hold both is to have a heavier concentration of their portfolio in large cap funds even though the funds may be similar.
My question is am I being dumb by being invested in FXAIX, FSPGX, and FSKAX in my Roth IRA? The money is already taxed so no penalty for moving stuff around as far as I'm aware. I've researched a bit and it makes me question if those three are all too similar and I'd be better off just consolidating it all in FXAIX. I know FXAIX performs better in the long run, but at the moment it's not the best performing of the three. I'm very much of the set it and forget it philosophy so I'd love advice on if I should just leave it as is or combine a couple of them or all three. In total I'm invested in 7 index funds which despite seeming like great advice when I started now seems to be more than what most people do. Thanks for your thoughts!
International equities have the same expected return as US equities. Actually slightly higher because of risk premiums associated with value characteristics. Essentially stocks with lower P/E are expected to return more and international markets currently have lower P/E than the US market. So you can have lots of international exposure without losing out on growth. Anyway for market cap weights you would sell ~$350,000 of VTI/FSKAX/FXAIX and buy $350,000 of VXUS/FTIHX/FZILX. Note that while doing this is a good idea in general, doing it because of your personal feelings about the market is potentially a bad idea. If you stick with the allocation for the rest of your life then it's good. If you switch back to all US equities next time the US outperforms for a year then you will just uneerperform overall.
Compare: - Plan admin fees - Fund options - Fund expense ratios Fidelity can give you the last 10 years of expenses, and your new employer's 401k plan documents will tell you what the expenses are. If your old plan is cheap with low expense ratios for index funds, keep it there. If your new plan is cheaper with lower-cost index funds, roll it over. FXAIX has a 0.015% net expense ratio, which is dirt cheap, so you're probably going to simply be comparing admin fees.
The best thing you can do for your future is to get as much money into the market as fast as you can. If you keep up what you're doing for the next 10 years you'll probably be set for retirement already. Playing with riskier investments makes that a lot less likely. Stick with FXAIX for now, maybe put like $5k in to a "play" account in a few years. You'll learn quickly it's not what the social media posts make it out to be
It depends on a few factors, like what's your risk tolerance look like? Can you stomach seeing your investments down 10, 20, or even 30% for an extended period of time? How much time and energy do you have (especially during work ours) to devote to doing stock research and keeping an eye on the market? The statistics are pretty stark, most investors don't beat the S&P over the long-term. If you simply dump most of your money into FXAIX and chill, you can save yourself a LOT of heartache, stress, and time while still performing well. If you are interested in experimenting, I'd suggest putting most of your money into FXAIX, at least for the first few years, and putting aside a smaller amount that you feel comfortable losing to use as "play" money to try to better understand the market
FXAIX is arguably all you’ll ever need. I’ve been beating the market since I started investing but honestly it’s not worth the risk what I’m doing. If I started all over again I’d just go 100% S&P 500
Since FXAIX is S&P 500 and FZROX is total US, you still don’t think there is benefit to having both?
FXAIX and FZROX are essentially the same thing. They have an 80%+ overlap and performance wise basically just track each other. So for simplicity sake best to pick one, sell the other, and put the money into the chosen one. Needs more FZILX. Really al you need is FXAIX (or FZROX) and FZILX.
Hello! I am new to investing and am looking for advice on growing my brokerage account. Context: * I just turned 26 * I have $45,000 in my 401k, and I contribute roughly $14,000 per year to this (this is including my employer match) * I started a Roth IRA last year and maxed it out. I also have 2026 maxed out already. I would like to build on my brokerage account for more accessible funds. I have $90,000 in a HYSA earning 4% APY. This is my down payment fund (70k for down payment and 20k for an emergency fund) I use Fidelity and my brokerage account has $10k in it. This is what I currently have: * FXAIX - $4,600 * FZROX - $2,500 * NVDA - $1,300 * IDMO - $1,000 * FZILX - $700 Like I said, I am new to investing but know some basics. I really don't want to have to monitor this daily, so I'm looking for more of a set-and-forget. Thank you :)
Hi all — I’m looking for guidance on setting up long-term investing for my kids (ages 11 and 9). I already have 529s for college, but I’d like to start a separate “retirement-style” pot for each of them — something that can compound for decades and eventually be handed off to them later in life. I’m in the U.S. My priorities are: * Tax-efficient (not heavily taxed along the way, if possible) * Low fees / low commissions * Simple, long-term growth approach * Ability to contribute monthly for the next \~20 years (until I retire), subject to any annual caps/limits depending on account type * Ideally something I can later transfer to them when they’re older (or that becomes theirs at the right time) My current brokerage relationships are with **TIAA (employee) and Vanguard**. Investment approach: I have a **high risk tolerance** since the time horizon is 20+ years, and I’m leaning toward a low-cost broad U.S. index fund (S&P 500 or total market). What do you think of these options, or would you recommend something else? * Vanguard Total Stock Market Index Fund (**VTSAX / VTI**) * Fidelity 500 Index Fund (**FXAIX**) * Schwab S&P 500 Index Fund (**SWPPX**) Also: for the account structure itself, what’s the best route here — custodial taxable account (UGMA/UTMA), Roth IRA (if/when they have earned income), or something else? Thanks in advance for any suggestions.
#metoo VTSAX and chill. Well, also a dab of VTIAX, and some FXAIX in a 491K. Maybe some TSP C and I Funds. But mostly VTSAX and chill.
long term...wouldnt $15k invested tomorrow in Sp500 - say FXAIX be more beneficial...then keep adding to it? rather than buying oil stocks.
Omg stop it with the gold thing on this sub! No, gold is a passive asset. It earns no compounding, no dividends, no cap gains. You buy it and it just sits there. An index fund on the other hand, compounds, meaning that even if your index fund makes ZERO GAINS, you still end up with more money. Avoid the stupid gold, open a Fidelity account and buy FZROX or FXAIX instead. Gold sucks.
FXAIX hasnt distributed a capital gains distribution since 2019, its fine in a taxable account
The last time there were distributions in FXAIX was 2019: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911750 To my understanding, the difference is very small at this point since it's a passive index fund.
FXAIX is not proprietary. The ZERO funds are, however. Those funds are still fine in a tax-advantaged account, but not a brokerage.
FXAIX is mutual fund and can do capital gain distribution which is not so great so non-tax deferred accounts. FXAIX is great for 401k or Roth but not for investment account. My 0.02
That's the only downside. Perhaps spread it out? 50% FXAIX 50% VOO (w/ Vangaurd)?
100% FXAIX - as "risky" as I'm willing to accept in Roth
How do I see capital gains distributions? I will compare to something like FXAIX to better understand. I'll wait for a down year and then try to sell FOCPX and exchange for FXAIX with taxes deferred
been stuck since last october man. i had 2 good chances to break even and leave before META earnings and then now amzn being a pos. after this one bye bye individual stocks this is a scam. going100% into FXAIX shits painful never had suicide thoughts until now
I use FXAIX and SPY both. The reason is SPY can be actively managed and you can use option strategies with it, FXAIX is a set it and forget it fund with very low management fee.
Sell the FXAIX and put it into VOO. There’s no benefit to the overlap n it makes your portfolio much easier to manage.
FZrox and FXAIX is quite similar last year, like 16+%, and so is s&p index. I don’t see much difference but preference. Also history is the future. Follow your guts, being happy is a return as well, just not numbers on paper.
I think selling VOO and buying SPY or FXAIX will be considered wash-sale
just buy the S&P 500 and relax. It really is that simple. ETF's like VTI, FXAIX are money printers
Opinions vary, but my view on the sell for 31 days and then buy back in, isn't the ideal approach. The preferred approach would be to sell the thing that you may want to buy back later, and immediately buy something that is highly correlated. Consider if you had a loss in VOO, you could sell it and immediately put the same value into SPY or FXAIX. To date, no one has provided an example of the IRS considering different index funds to be similar enough to count towards a wash sale. So, so long as that is an option you can generate a loss without losing exposure to the underlying assets.
Also you can transfer VOO positions directly if you ever decide to leave Fidelity. Can’t do that with FXAIX
+25.76% held SCHG, FXAIX, TSLA, GLD and VYMI. i bought tsla at the perfect time at about 280 but i barely bought any, wish i bought way more.
I like FXAIX, its cheaper than VOO, performs a little better than VTI
Good to know! Lower fees can add up over time, so FXAIX sounds like a solid choice. Thnks for sharing!!
uh, Good point! FXAIX is solid for low fees. Just make sure to check if it fits your investment goals.
Quick PSA first: VTI is the plus-one who brings every single coworker to the fancy gala, not just the S&P 500 A-listers. Now, stop overthinking which fund to pick! Grab the lowest expense ratio option from your broker and set it on auto-pilot. Obsessing over that 0.015% gap between FXAIX and VOO is like arguing which brand of bottled water tastes better when you’re just trying to stay hydrated for 40 years straight. Go touch some actual grass instead of refreshing this thread every 10 minutes.
Quick correction first: VTI is total market, not S&P 500 — it’s the friend who invites everyone to the party instead of just the top 500 cool [kids.As](http://kids.As) for which to pick? Just grab the lowest expense ratio option from your broker that tracks the S&P 500. Overanalyzing the 0.015% difference between FXAIX and VOO is like arguing over which brand of bottled water tastes better when you’re just trying to stay hydrated long-term. Set it on auto-buy and go touch grass instead of refreshing your portfolio 10x a day.
VOO is the S&P500, as is SPYM and FXAIX. VTI is the total US market by weight, which is close to the S&P500, but not identical.
If it’s a taxable account it’s better to buy VOO. If you ever decide to move your account to another brokerage in the future you would have to sell FXAIX since it’s only available at Fidelity. VOO is available everywhere.
If you’re in Fidelity buy FXAIX. Lower fees.
>I think fidelity has one that’s called FAIXX or something like that. Right letters, wrong order: FXAIX
Of these three S&P 500 index funds/ETFs FXAIX has the lowest expense ratio. Expense Ratios: FXAIX 0.015% (Fidelity) SWPPX 0.02% (Schwab) VOO 0.03% (Vanguard)
I got into fselx maybe 18 months ago or so. I had left my job 4/2023 and consolidated the 401k and ira. I had 66k. I broke into 100k maybe June 2024. I was up to 119k as trump took office 3/2025, dropped to 83k in May and am at 163k as of today. It is volatile but it doesn't bother me at all. I am 29 and have 31 years to go. My portfolio is 68% FSELX. Personally I can stomach it and know I am already set for retirement even if I don't keep contributing to my IRA (I will anyway). Other holdings are FNILX 10%, FSPGX 11.2%, FXAIX 7.9%, SPG (1.4% real estate). Also have a separate brokerage account thats all blue chip individual stocks for about 30k that I draw from whenever it goes above 30k for real estate related investing. NGL I am considering re-allocating FSELX to more around 50% but the key here is your time horizon. I personally can't touch the money for 30 years so doesn't really matter in the short term. I would not recommend this kind of risk if you can't stomach watching "money" disappear and re-appear in your account though like I have just in the past 12 months lol.
Keep it very simple and never own anything that you wouldn’t feel good about owning if it dropped 20-40% for an extended period. Good solid companies will come out of recessions stronger. Just invest in VOO of FXAIX and keep investing during down periods and you will do very well.
17M Am I going in the right direction I have been investing between 20-40 dollars out of my paycheck 100% into FXAIX in an individual youth account. I just want to know if there is anything better I can do or general advice anyone can give me.
Hello! I am 25M and I max out my 401k and HSA each year, which automatically invest into FXAIX and a little bit of QQQ every month. I want to buy a house and engagement ring within the next 5-6 years and was wondering what I should do with the rest of my cash. I’ve already built an emergency fund of 6 months sitting in a short term treasury bill ETF and was wondering what is the best next path for me. Not sure if I should invest the rest into the equities right now, put it into the treasury bill etf, or get into more fixed income assets. Appreciate the help!
100% your best bet is to open a Roth IRA. You can deposit up to 7k into it for tax free investing. Buy an SP500 fund like FXAIX or a retirement year fund… if you won’t need this money for anything else in the short term. You don’t need to put all of it in there either, you can do as little as you’d like but to start saving for retirement now is the best thing you can do for yourself.
You should fire the Financial Advisor. You didn’t state your age or when you want to start drawing down the money. If you have 10 years or more: 50% in FXAIX or VOO, 30% in FCNTX and 20% in QQQ. Be prepared when the market goes down the value will go down - DON’T TOUCH IT - the economy will recover. Start moving some money out when the market is up within 3 to 5 years prior to needing the money.
I rebalanced my 401k to small cap value and emerging markets about a month ago. Seems like it is performing better than FXAIX (VOO equivalent).
It really doesn't matter much and falls down to which app experience you like better. I personally invest into Fidelity as that's where my 401K is and I like to see my entire port in one place. Maybe you can hold off til you get a full-time job and transfer it to whichever brokerage your 401k goes to Since you're new, I'd strictly invest into ETFs for now like the S&P 500 (VOO, SPY, FXAIX), VTI, or VT. You can read a bit more on those but overall they're all diversified, safe, and have had solid returns historically. There's a lot that goes into individual stocks which is why I urge people to stay away from them early on. Spend a while researching and truly understanding what they are, how they move, and all the risks associated with them. A lot of people will strictly tell you to stay away, but I truly believe that with the proper research, risk management, and control you can do well while having lots of fun. If you see your ego or FOMO (getting into things with 0 research and conviction in hopes of making a quick play) getting in the way, you step back and stick to ETFs.