FXAIX

zhawk122

Hijacking your question. I recently rebalanced my Roth port to start contributing 63, 21, and 16% to FXAIX (S&P500 index), FZILX (international index), and FSKAX (total market index), respectively. Is this a solid split?

bejammin075

One that tracks with the S&P500, and another that tracks with international (non-US) stocks. There are lots of these, each trading platform will have some version of these. If it was Fildelity, I'd say FXAIX (S&P) and FSPSX (international).

SirNutellaLord

How are they taxed differently? Even if the mutual fund is an index fund , say like holding FXAIX in a taxable brokerage?

CarnageAsada-

100% FXAIX or FSKAX 80% and FTIHX 20% in Roth IRA/401k ROTH

EdgeInformal8264

$30 of my weekly $150 roth contributions so 20%. i've also got FXAIX FCNTX and a few singles like META and RBRK

big_shidd

I made that much in one year with FXAIX bruh :( You have 36k in an individual stock…. Get help

CarnageAsada-

Salesforce is trash, intuit is trash,Duolingo is trash and coin base is super trash. FXAIX and chillax

Ameri0425

I missed out on INTC, because I had a LEAPS contract and one day a few weeks ago told myself "I should scale out of options and into safe ETFs" Sold every contract I owned except a single GOOG LEAPS, put it all on FXAIX when spy was around 635. Its worked out very well don't get me wrong, but not as well as keeping those LEAPS would've...

Icy-Sheepherder-7595

I would say I had or have long term conviction in all of them, except LULU I bought that at the recommendation of a friend who works in IB so thought he couldn't be wrong. I actually did see it go over $400 at one point but since then it just keeps going lower. NVO I still have conviction in, I've seen how well GLP-1 works and that obesity is one of the biggest health issues in the U.S. however I also know LLY has the home field advantage, but still believe the Ozempic brand name has value. MSFT and UNH pretty self explanatory, bought them low and will be forever holds (the shares of UNH I offloaded as I wanted to lower my risk and felt o may have bought them too high, $245 is a price I don't think we'll ever see again but who knows it got close a month ago). ADBE I liked as they keep growing revenue despite the SaaSpocalypse narrative and they are a strong legacy company I feel but again I can't predict the future of this stuff so who knows what AI will do to it. MELI I liked for the Mercado Pago system they have implemented in societies that are still cash reliant where many people don't have traditional bank accounts, and the fact that they are fending off Amazon's e-commerce growth in Latin America, I liked them as a hedge against the U.S. market but they seem more affected by it than I realized. META just makes a ton of money and I bought the dip, don't know if I want to hold them long term as it's really all ad revenue and they don't really provide anything of use to the world beside data centers now I guess. FXAIX and VTI are my index fund/ETF holdings. Hope that answers your question. Thanks for reading

Icy-Sheepherder-7595

Need opinions on my portfolio and wether or not I should sell it all besides my top 3 holdings. Yesterday I was feeling confident again after watching the bloodbath that was last month but losing confidence again now that the fear is back. 99 MSFT shares at $395, 42 UNH shares at $245, 42 VTI shares at $328, 82 LULU shares at $194, 48 ADBE shares at $272, 13 META shares at $595, 204 NVO shares at $46, 2 MELI shares at $2,076, 7 FXAIX shares at $207. I hate the idea of locking in a loss but I also don't want to be part of a sinking ship.

user-namepending

>this is not business as usual Correct. Notice that this is a far different statement than rugpull of the century imminent. >QQQ is cloned a dozen ways to Sunday. This is just wrong. God forbid you don't mean TQQQ. Unless you mean the Nasdaq. Only index funds tracking the Nasdaq will have to buy into SpaceX. Actively managed mutual funds like in a 401k will not. There are probably hundred ETFs that have a tech sector tilt. I personally prefer SPMO. Which you continue to ignore exists for some reason. >401ks are FULL of Nasdaq clones No they are not. FXAIX for SPY is not the Nasdaq. Total Stock Market even less. How about you put your money where your mouth is, nut the fuck up and buy some God damn puts instead of rambling to me about how sure you are of the next cataclysm. I'll remember this buddy don't go deleting your account when the next catastrophe doesn't happen 😒. Is it any surprise you doomers are wrong every single time the moment this changes everything is supposed to happen?

Icy-Sheepherder-7595

99 MSFT shares at $395, 42 UNH shares at $245, 42 VTI shares at $328, 82 LULU shares at $194, 48 ADBE shares at $272, 13 META shares at $595, 204 NVO shares at $46, 2 MELI shares at $2,076, 7 FXAIX shares at $207. I was feeling good yesterday and now back to feeling like it's over and I should sell everything but the first 3. But don't want to take a loss

CarnageAsada-

FTIHX 80% and FSKAX 20% let it ride for 30 years a bit less than FXAIX but you got all your ducks diversified.

Global-Iceman

FXAIX

Ahamadrayasbaboon

Daily DCA and annual lump sum accounts are ~ 40%SPMO, 20%QQQM, 10%VUG, 10%VONG, 10%SPHQ, 10%SGOV.  Every 2 weeks is like 90%FXAIX (SP500), 10%Vanguard TDF.  Retard port has all sorts of shit, and is a margin account. 

CarnageAsada-

lol, I traded my TDF into FXAIX when it was down and the next day it rallied about a month ago. I did the same thing with my ladies TDF and it rallied the next day again. I decided to diversify and fuck the dips all together but keep what I already have in FXAIX.

EdgeInformal8264

i do both weekly contributions simultaniously. $150 into my roth and $150 into a brokerage. $55 in FCNTX, $55 into FXAIX, $20 into FSELX & $20 into SPXL. perfectly the same between both accounts. I also use Goldman Sachs Apple Savings for my HYSA getting 3.65% if that helps.

Realistic-Ruin-6424

This is why I love index funds like FXAIX or Mutual Funds like FCNTX

FrankDrebinOnReddit

My mutual funds including FXAIX in my Fidelity 401k price around 5:30pm.

FrankDrebinOnReddit

Mutual funds haven't been priced yet for the day (they only price daily, around 5:30 PM), so you're looking at yesterday. That said, yesterday FXAIX (Fidelity 500 Index Fund) gained 0.26%, so I'm not sure what you're looking it. And FXAIX does track the S&P 500.

Immediate-Run-7085

What’s the ticker? FXAIX? It’s up .25% are you reading it correctly?

Cultural-Movie-9335

I'm 28 years old with $51k in my 401k (9% contribution rate w/ 6% match + 3% non-elect contribution from employer), $15k in a Vanguard Mutual Fund that my grandfather started for me years ago, opened a Roth IRA 2 weeks ago (maxed out 2025 contribution) with $5k in FXAIX & $2k in FNILX, and brokerage acct with $2k in SCHD I have a good amount of extra income to invest every month and, initially, I was thinking I would just dump into SCHD so that when I'm ready to retire I have those dividends on top of my IRA and 401k. But it just hit me that I could use my brokerage acct to dump into VOO and maybe a bit in VGT and then when the time comes move everything to SCHD or something similar. Opinions?

ChaplnGrillSgt

Lower expense ratios for an almost identical product. Can add up over 30 years. Probably won't be a make or break difference though. I don't plan to leave Fidelity so I prefer the lower ER of FXAIX or the zero ER funds.

BeautifulAuthor9167

Go FZROX or FXAIX. If you want a target date, only use FIPFX to keep fees at rock bottom.

OrgafoogieGames

I have FSKAX (total market) and FXAIX (Fidelity 500) which sounds like what you’re looking for. They’re no transaction fee and 0.01% expense ratio. You just have to set up automatic purchases from future deposits which is pretty easy.

Specific-Midnight644

I thought of contrafund first. But that honestly isn’t actually as growth tilted as I would have done or used. So I exchanged contrafund for blue chip growth. But you wanted me to show me work, here it is. I did a Morningstar report. This includes all fees of the funds also. The last ten years. 3/31/2016 - 3/31/2026 Using FXAIX 50%, FBGRX 30% and SCHD 20%. A 10% band and/or annual rebalance. It outperformed the S&P 500 over the time 1.14% annualized for a difference of $39,933. Now compound that out another 30 years. Tilt is the portfolio (look up investment tilting) Cumulative return: tilt: 314.90% S&P: 274.97% Annualized Return: tilt: 15.28% S&P: 14.14% Year by year comparison 2016: tilt mix - +9.27% S&P 500 - +10.48% 2017: tilt mix - +25.5%% S&P 500 - +21.79% 2018: tilt mix - -3.12% S&P 500 - -4.42% 2019: tilt mix - +31.02%% S&P 500 - +31.45% 2020: tilt mix - +31.87% S&P500 - +18.38% 2021: tilt mix - +26.15% S&P 500 - +28.67% 2022: tilt mix - -23.73% S&P 500 - -18.14% 2023: tilt mix - +30.55% S&P 500 - +26.27% 2024: tilt mix - +27.85% S&P 500 - 24.98% 2025: tilt mix - +16.38% S&P 500 - +24.98% YTD: tilt mix - -3.29% S&P 500 - -4.35% 3yr risk/return vs index Standard deviation tilts: 12.98% S&P: 12.06% Mean tilt: 19.83% return S&P: 18.30% Sharpe Ratio tilt: 1.18 S&P: 1.13 Beta: tilt: 1.06 Alpha: tilt: 0.60 5yr risk/return vs index Standard deviation tilts: 16.22% S&P: 15.26% Mean tilt: 11.22% return S&P: 12.06% Sharpe Ratio tilt: 0.54 S&P: 0.62 Beta: tilt: 1.05 Alpha: tilt: -1.05 10yr risk/return vs index Standard deviation tilts: 15.87% S&P: 15.02% Mean tilt: 15.28% return S&P: 14.15% Sharpe Ratio tilt: 0.89 S&P: 0.85 Beta: tilt: 1.04 Alpha: tilt: 0.58 So like I said. Still Beat the S&P 7/10 years. Especially during drawdowns years. This time similar volatility and risk, but still higher mean returns, better alpha, and better sharpe ratio. Is that enough work shown for you.

MurphMurp

For others coming back, I got into Motley Fool around 2022. I selectively bought their recommendations, just didn't always have cash to put in. Still, I got \~40 stocks on their recommendations. Four years later, the total portfolio is ... up 4.2%. Compared to the market, that's abysmal. Compared to a CD that's abysmal. Looking back, their picks were suspicious at the time as well - and I thought so, but I was trying their system so I followed their system. Choosing Zoom at the peak of their boom was chancey. And sure enough it's down 25% from where I bought it. I'd say about 2/3 of their picks are down, many by over 50%. A few winners like Adove, AMD, Crowdstrike, or even Nvidia barely get the whole thing back above water. There is a reason they are marketing their gains since 2002 instead of recent performance. I think they had some early wins and are still trying to market that past performance. Let me give alternate advice, which I received years ago, which has proven much more effective: 1) Indexing (SPY, FXAIX) is good. Hold your cash, wait for a crash, and then throw it in. This seems to happen every 5 years or so now and I think the current pressure (Spring 2026) is downward, so we should be dropping somewhere in the next 1-24 months. 2) Professional investing, making wins every month or quarter, is hard. Private investing is not. Sit back, think through where the world will be in 5-10 years, and put your money into it. 10 years ago I figured ecommerce was on the rise (you don't have to be a guru to notice these things) and invested in Fedex, UPS, and several online shopping platforms. 5-10 years later you're good. I missed out a bit as I didn't anticipate Amazon cutting UPS out, I should have gotten out after my investment doubled but I let it ride. I'm still up, just not as up. I'm on another cycle now and just looking at macro trends and where the world is going, and then putting some money behind it.

SnooPickles3280

This is why I’m 100% FXAIX. Set and forget. It’ll be fine, just relax

jonnno_

I’d disagree. They follow the same index but will track it differently. I could make the argument that I like the way Fidelity manages their fund to track the 500 better than the way Vanguard does, and therefore I consider FXAIX to be substantially different from VFIAX.

Specific-Midnight644

I thought of contrafund first. But that honestly isn’t actually as growth tilted as I would have done or used. So I exchanged contrafund for blue chip growth. But you wanted me to show me work, here it is. I did a Morningstar report. This includes all fees of the funds also. The last ten years. 3/31/2016 - 3/31/2026 Using FXAIX 50%, FBGRX 30% and SCHD 20%. A 10% band and/or annual rebalance. It outperformed the S&P 500 over the time 1.14% annualized for a difference of $39,933. Now compound that out another 30 years. Tilt is the portfolio (look up investment tilting) Cumulative return: tilt: 314.90% S&P: 274.97% Annualized Return: tilt: 15.28% S&P: 14.14% Year by year comparison 2016: tilt mix - +9.27% S&P 500 - +10.48% 2017: tilt mix - +25.5%% S&P 500 - +21.79% 2018: tilt mix - -3.12% S&P 500 - -4.42% 2019: tilt mix - +31.02%% S&P 500 - +31.45% 2020: tilt mix - +31.87% S&P500 - +18.38% 2021: tilt mix - +26.15% S&P 500 - +28.67% 2022: tilt mix - -23.73% S&P 500 - -18.14% 2023: tilt mix - +30.55% S&P 500 - +26.27% 2024: tilt mix - +27.85% S&P 500 - 24.98% 2025: tilt mix - +16.38% S&P 500 - +24.98% YTD: tilt mix - -3.29% S&P 500 - -4.35% 3yr risk/return vs index Standard deviation tilts: 12.98% S&P: 12.06% Mean tilt: 19.83% return S&P: 18.30% Sharpe Ratio tilt: 1.18 S&P: 1.13 Beta: tilt: 1.06 Alpha: tilt: 0.60 5yr risk/return vs index Standard deviation tilts: 16.22% S&P: 15.26% Mean tilt: 11.22% return S&P: 12.06% Sharpe Ratio tilt: 0.54 S&P: 0.62 Beta: tilt: 1.05 Alpha: tilt: -1.05 10yr risk/return vs index Standard deviation tilts: 15.87% S&P: 15.02% Mean tilt: 15.28% return S&P: 14.15% Sharpe Ratio tilt: 0.89 S&P: 0.85 Beta: tilt: 1.04 Alpha: tilt: 0.58 So like I said. Still Beat the S&P 7/10 years. Especially during drawdowns years. This time similar volatility and risk, but still higher mean returns, better alpha, and better sharpe ratio. Is that enough work shown for you. I would put pictures but the sub doesn’t make it easier for pictures. So that’s two portfolios. Should I keep going?

Specific-Midnight644

I’m just copy and pasting. Who ever said jumping in an out of the market? That and when to buy and sell a position tells me you have know idea what I’m talking about and this is way above your understanding. Plus your use of Buffets’s bet is totally irrelevant to what I’m talking about. He was talking about one fund correlated to one index. You understand even in large caps there’s multiple indexes right? A growth fund is not benchmarked against the S&P500. SCHD is not benchmarked against the S&P500. But you wanted me to show me work, here it is. I did a Morningstar report. $100k in the portfolio. This includes all fees of the funds also. The last ten years. 3/31/2016 - 3/31/2026 Using FXAIX 50%, FCNTX 30% and SCHD 20%. A 10% band and/or annual rebalance. It outperformed the S&P 500 over the time .41% annualized for a difference of $13,816. Now compound that out another 30 years. Tilt is the portfolio (look up investment tilting) Cumulative return: tilt: 288.79% S&P: 274.97% Annualized Return: tilt: 14.54% S&P: 14.14% Year by year comparison 2016: tilt mix - +8.98% S&P 500 - +10.48% 2017: tilt mix - +24.62%% S&P 500 - +21.79% 2018: tilt mix - -3.93% S&P 500 - -4.42% 2019: tilt mix - +30.19%% S&P 500 - +31.45% 2020: tilt mix - +22.19% S&P500 - +18.38% 2021: tilt mix - +27.44% S&P 500 - +28.67% 2022: tilt mix - -18.76% S&P 500 - -18.14% 2023: tilt mix - +25.37% S&P 500 - +26.27% 2024: tilt mix - +25.37% S&P 500 - 24.98% 2025: tilt mix - +26.14% S&P 500 - +24.98% YTD: tilt mix - -2.27% S&P 500 - -4.35% 3yr risk/return vs index Standard deviation tilts: 11.76% S&P: 12.06% Mean tilt: 19.29% return S&P: 18.30% Sharpe Ratio tilt: 1.24 S&P: 1.13 Beta: tilt: 0.96 Alpha: tilt: 1.29 5yr risk/return vs index Standard deviation tilts: 14.82% S&P: 15.26% Mean tilt: 11.97% return S&P: 12.06% Sharpe Ratio tilt: 0.63 S&P: 0.62 Beta: tilt: 0.96 Alpha: tilt: 0.18 10yr risk/return vs index Standard deviation tilts: 14.78% S&P: 15.02% Mean tilt: 14.54% return S&P: 14.15% Sharpe Ratio tilt: 0.89 S&P: 0.85 Beta: tilt: 0.98 Alpha: tilt: 0.56 So like I said. Beat the S&P 7/10 years. Especially during drawdowns years. But also less volatility, less risk, higher mean returns, better alpha, less beta, and better sharpe ratio. Is that enough work shown for you. I would put pictures but the sub doesn’t make it easier for pictures.

BugsyBologna

He’s down 91 cents FXAIX. Clearly no stop loss set in place.

whywires

I recently inherited a managed brokerage and merged it with my own brokerage. My portfolio has been pretty simple - target fund, QQQM, SCHD, and VXUS. But the managed brokerage is a hodgepodge - multiple bond funds, multiple S&P 500 funds, several international region funds, etc. For instance, the managed brokerage has SPY, FXAIX, and VFIAX. That's crazy overlap. What's a good strategy for remedying such overlap without getting crushed on capital gains taxes? Is there some simple solution that I'm blanking on?

HamM00dy

Claude actually did exactly that. Told me I'm doing fine financially and just FXAIX and chill. Also told me you don't want to be the generate like those guys in Wall Street

SnS2500

That is not good. Change what you have to an SP500 fund like FXAIX. It is up about 275% the past ten years.

PHL1365

Thanks. I have a fair amount of money in my IRA that is pretty aggressively invested in mutual funds. I may switch some of that to VOO or similar, but (at least on the surface) my funds have beat or matched VOO over the last 15-20 years. I'm looking at the Fidelity equivalent FXAIX

RiPFrozone

All things considered down 4% so not that bad My biggest holding is novo nordisk, TSMC, Nvidia, solstice advanced materials, Broadcom, uber, Eli Lilly, and then 3 mutual funds as my foundation FXAIX, FGKFX, FOKFX

nleksan

FXAIX?

emmanuelibus

I have FXAIX on the Fidelity accounts and SCHG on the Schwab account. Should I just focus on those?

CarnageAsada-

Yep I sure did I sold my TDF and bought FXAIX then went back to buying more FSPSX and bonds for the next dip.

AlfB63

In general, an IRA is better, no fees and more options. It sounds like you are talking to an advisor who wants you to use them for the fees. If you simply want someone to manage your money, an advisor may be OK but you have to be careful as not all advisors are good. In fact, I would say that most aren't. I would move it to something like Fidelity. They have a management option if you simply don't want to do it. All that you need to do is go to the website and open an IRA account (or Roth IRA if you 401K is a Roth type), and go to the funding options to transfer from your employer 401k. You will need information like where is the 401k held and account number. You can transfer in-kind (don't sell, transfer whatever you own) if you want. There may be a few things that won't transfer which you'll have to sell to transfer. You can also call Fidelity and they will walk you through the process if you like. If you don't want to pick investments yourself, you could go with an index ETF like FXAIX which is an S&P 500 index ETF.

LightForceUnlimited

Well I am invested in U.S. as well, my 403B did not offer VT, I ended up settling in FXAIX.

Mr-Nanny

FXAIX and chill bro. S&P almost always guarantees returns. This is just Trump market manipulation but it always goes up.

EdgeInformal8264

FCNTX & FXAIX. set an amount weekly & ignore the noise. contributions increase as your income does.

TheRealGreenArrow420

My 401k is 100% FXAIX, been DCAing the whole time

Throwaway-4593

My contributions are automatic and they split into 2 funds - VOO, FXAIX. Why would you contribute less when the markets are “bumpy”? These are the times where you get the best deals.

Ahamadrayasbaboon

Once you figure out the available funds, there may be literature available on the 401k’s app or website. Otherwise go to the fund manager’s website. They’ll probably be listed next to the fund ticker. Like it’ll say “FXAIX Fidelity Large Cap 500 Fund” or something like that. If not, punch the ticket into Google and see who manages the fund.  You’re looking for fund literature and prospectus or fund composition. Or portfolio holdings. You may find that it’s a fund of funds. For example, with Vanguard target retirement funds, they are made of varying ratios of Vanguard’s more generic funds. So you’ll have to click portfolio composition, then you’ll see like 4 items, click one, scroll down to it’s composition.  Some of the funds may be index funds, or mutual fund versions of common ETFs. 

Ahamadrayasbaboon

They already do that. SP500 contains companies like Apollo and Ares. I buy FXAIX in my 401k, and have been for years. That’s SP500. 

Ahamadrayasbaboon

Index funds are a type of either mutual fund(MF), or exchange traded fund (ETF). The difference between MF and ETF is mutual funds only trade at a specific time each day, and can’t be transferred between brokerages without first selling them. So ETFs can be more convenient. ETFs also are associated with lower management fees, but that isn’t always true. FXAIX is a Fidelity index MF with a lower expense ratio than competing ETFs that track the same index.  Check out r/bogleheads and Investopedia too. 

roughdraft29

So if I'm 15 years away from retirement, but doing a 90% FXAIX, 10% HYSA for the past 5 years (I know it's nothing fancy, but its been suiting my needs) do I need to rethink that strategy until the SpaceX IPO situation settles?

OnyxObsessionArdor

You didn’t mess up, you just got an instant lesson in what “volatility” actually feels like. A few things to zoom out on: You’re investing in FXAIX inside a Roth. That’s literally textbook: broad market, super low cost, tax free growth. The “wrong” move would’ve been trying to time this and then never getting back in. Your contribution years are locked in. Even if the price dropped more, you bought more shares at lower prices. When it recovers, it recovers on all of it. As for “how long to catch up” there’s no clean formula because future returns are unknown. But historically, every ugly lump sum entry looks terrible in the short term and completely irrelevant 10 to 20 years later. You’re a new grad. Your biggest edge is time, not timing. Just keep buying on a schedule and try not to watch it every day.

Pndrizzy

You have about 59.6 shares of FXAIX that have dropped about 6%. You're down like $800. What's the big deal?

Minute_Researcher143

Hey — looking for some advice here I’m 28 and recently came into about 220k (inheritance). I wasn’t really expecting it so I’m kind of figuring things out as I go. Right now it’s just sitting in a money market getting around 3-4%. I’ve been thinking about putting some of it into the S&P (like VOO or FXAIX), especially since the market seems to be down a bit lately. But I also keep seeing people say don’t try to time it, so I’m not sure if I should just put a chunk in now or spread it out. Also part of me is thinking about real estate sometime in the next year (maybe a fixer or something), so I feel like I shouldn’t invest all of it either. I guess I’m just trying to avoid doing something dumb with it. If you were in this spot, how would you approach it?

ExcitingPresentation

Seeing how sharply FXAIX is dropping with the Strait of Hormuz closed, now I'm pretty glad I got out when I did. This will be quite a dip to buy into

GomaN1717

Holding tight on individual equities for a second. Mainly just building my wife's Roth with FXAIX, SPMO and SCHG since she got a bit of a later start. Boring, I know, but probably the best opportunity to get her comfy with buying in spite of market conditions.

BeginningFriendly338

FXAIX in a Roth is a textbook move, you're doing fine. Been at this 15 years and honestly keeping it simple is the real secret. I usually just pair my s&p core with some private tech like vcx for a bit more growth potential. stay the course.

L83S

So what other fund would you recommend ? I was reading historically FXAIX is normal to go down, but has always recovered over the years and that if I stick with it, I’ll see growth long-term.

taplar

An index fund based on equities is not guaranteed to be stable, as you can see from recent years.  The different funds change risk by increasing the diversity of what you have invested in. FXAIX is an S&P 500 index fund. This means if we were to give it categories we could say; large cap, equities, USA. So anything that affects those categories add a whole will affect it. So to increase diversification, you could choose more (or different) funds with more categories. A fund with bonds would give you non-equities. A fund that includes international equities would give you non-USA.  A fund that includes medium cap or small cap equities, while probably increasing volatility, would expose you to any growth they could have. Bottom line, diversification is meant to help you if one of your categories takes a hit. If you are in just one thing, you live and die by that one thing.

Ahamadrayasbaboon

It sounds reasonable, but I don’t know your tax situation, income level, or how deep your emergency fund is. What I can say is, FXAIX is a great fund with a very low expense ratio. 

taplar

A Roth account is a decent strategy if you are in a low tax bracket and expect to be in a higher tax bracket later in life. FXAIX, being an index fund, gives you diversification for large cap domestic equities, relative to the USA. Depending on your risk tolerance and desired diversification you could consider other options like funds that are diversified for bonds, or the entire domestic market, or even an entire world market ETF.

L83S

I recently opened up a Roth IRA and a contribute to FXAIX. I plan on putting 1000/mo combined into the Roth IRA/FAIX and the rest into Roth solo 401(k). do you think this is a good strategy? Do you have any recommendations. I chose to go roth because I want all of my money to be tax free by the time I retire. I am currently using Fidelity. So again I just wanna know if I'm making the right choices and if this plan is solid, and if not, do you have any recommendations. Thank you. ••• Reply View

taplar

A quick test for verification. Ignore pls. I recently opened up a Roth IRA and a contribute to FXAIX . I plan on putting 1000/mo combined into the Roth IRA/FXAIX and the rest into Roth solo 401(k). do you think this is a good strategy? Do you have any recommendations. I chose to go roth because I want all of my money to be tax free by the time I retire. I am currently using Fidelity. So again I just wanna know if I’m making the right choices and if this plan is solid , and if not, do you have any recommendations. Thank you.

Brave_Tree1859

What do you mean? I primarily use Fidelity and have my life saving in VOO and FXAIX

jrex035

There's absolutely nothing wrong with index fund investing. Statistics show that most traders don't beat the S&P in the long run and index investing is *way* lower stress with lower risk. And yes VOO is one of those S&P indices, but there are a bunch. You might want to look into others if you're interested in diversifying, QQQ covers the Nasdaq, VTI covers the entire US market, VXUS covers the global market excluding the US, etc. Most of these have low expense ratios (the cost you pay to park money in these funds) but be careful as some do not. Your broker might also have accounts specific to them (Fidelity for example has FXAIX which covers the S&P like VOO does, but with a smaller expense ratio).

Ameri0425

I have a restriction from my degeneracy, even if I sold all the FXAIX and went back in I'd have to wait for the cash to settle tomorrow lmao

Ameri0425

Officially scaled everything out of my options account save for one GOOG LEAPS, and dumped it all into FXAIX for the long haul while things are down No gambling for me for a while. I'll be back tho.

14mmwrench

Motorcycle parts. Maybe some FXAIX if I don't need to many parts 

SnooPickles3280

Geez, put it in FXAIX and come back in 30 years

DrScitt

I’m too heavy on my favorites already so I’ll just invest more in FXAIX for the foreseeable future

nastybushwoogie

FXAIX is better than VOO

EdgeInformal8264

60% FCNTX 40% FXAIX. when the market is down, buy more, when the market is up, keep buying. lump sum what you have available now and plan to invest a feasible amount weekly based on what's available in your budget until you're ready to retire & over the next 30 years you'll accrue multiple millions of dollars. (35 to 65) proud of you bro.

bad_detectiv3

i'm legit thinking to do with. I have a lot of cash tied to VOO/FXAIX, around what time is a good time to exit out? I'm reading post where the market will need to stay afloat for six months before all those shares are given to retail

DinkandDrunk

I threw $10 on DOGE a few years ago and cashed out at a total $100 like a month later. On a percentage basis, that is my most successful ‘investment’. All of my money goes to VTI and FXAIX. I don’t have the stomach to get granular with my strategy.

BudFox_LA

Down 4.6%. Only single stock I buy is Apple, the rest is spread out between FXAIX, FDGRX and FPURX. Just DCA'ing like usual, I mean whatever. I don't need the money for a while. I'm honestly excited because THIS is when you can lay the groundwork to make some real money. Because it will rebound and will rebound big. Figure I DCA for the next year, let's pretend it's a year-long bear market, everything's in the shitter. Just buying that whole time. At some point, indexes will hit previous highs again and when it does, we'll be in good shape. Love the Reddit bros almost bragging that they 'got out while the getting was good', selling at huge losses. Same geniuses that pulled the same thing the last time we slumped w/the tariffs. Same guys posting a few months ago, wishing they hadn't done that.

steady_compounder

$175 down on a Roth IRA is genuinely nothing in the long run. FTIHX is a solid fund, you just caught the wrong week. Since the Roth is maxed, honestly the best move is to do nothing. International was undervalued relative to US for years and that thesis hasn't changed just because of one bad week. The swap from FXAIX to FTIHX actually gives you better diversification. Check back in December, not next Friday.

Nikita90876521

FXAIX ( 90 shares since 2012) American Express ( 45 shares since 2014) SCHG ( 45 shares since 2015 )

ExcitingPresentation

But what if you *can't* DCA? On February 27, I exchanged my entire FXAIX allocation for FTIHX. I couldn't have timed it any worse - this was precisely the moment when the international sell-off started. I was up over $100 in FTIHX since the start of the year, and now I'm down $175 one week later. But my Roth IRA is already maxed out, and buying the dip would require selling other investments. So what now?

DeeDee_Z

The thing they need to learn is, for example: • The S&P 500 is an index comprised of \* ONLY 500 \* ONLY US \* ONLY Large-Cap companies. • **"Everybody and his dog"** provides a **fund** that tracks that **index**. There are multiple Vanguard funds that track the S&P 500. There are multiple Fidelity funds that track the S&P 500. There are multiple Schwab funds that track the S&P 500. There are multiple AmFunds funds that track the S&P 500. There are multiple T Rowe Price funds that track the S&P 500. Etc. If you want to track the S&P 500, "VOO" is NOT your only option. An additional thing which follows from that: You are NOT diversifying your portfolio by investing in multiple S&P 500 trackers, for example -- say, VFIAX and FXAIX and SWPPX and VOO. If you don't understand the difference between an index and an index fund, or only know about Quotron symbols ... you could end up doing something not just stupid, but REALLY stupid.

EdgeInformal8264

lol keep buying FXAIX and ignore the noise

KumingaCarnage

I don’t. VTI/VXUS on a 70/30 split in my taxable brokerage accounts. FXAIX/FSPFX in my Roth IRA. Lump Sum, DCA, who cares. I just buy, buy, buy and live my life

absolutemurphman

Was all 1 stock, FXAIX

BigvalBROski

Put it all into FXAIX and check back in 10 years

absolutemurphman

I’m basically one of those bogleheads but with Fidelity instead of Vanguard. My money was in FXAIX which is Fidelity’s VOO. Made me $19k so far so it can’t be all bad!

absolutemurphman

That’s what it was though. FXAIX or the Fidelity version of the S&P 500

Various_Couple_764

FZROX and FZILX iare a total market fund and interhnationonal market fund. FXAIX is just a S&P500 index fund. The stock in FXAIX are in FZROX. I would just go with FZROX and FZILX. Both are fidelity zero funds which are only available to fidelity customers and and have zero fees and expenses. IF you invest in these fund and max out your yearly deposit you will have about 2 million invested by age 60. But one issue with Roth accounts the deposit limit is very low. 7500 per year. If you could increase the deposit limit to 15000 you would have about 4 million by age 60. So it is worth it to make changes to get more money into the account. So I would consider adding a dividend fund to your account. dividends are cash profit sharing payment to investors in a company. And a Roth account allows unlimited dividend deposits into your account. I have a fund in my account QQQI. It has a dividend yield of 13% so it will generate a lot of cash Now you could invest all the cash in QQQI or your could collect the cash and and set up and automatic monthly transfers of the money into FZROX and FXIKX and QQQI. AND do an occasional rebalancing so that each fund will hav the same ammount of money..

Mad_Max0515

Can you explain to me why FXKAX over FXAIX? I get that’s it’s a more diverse range with small and mid caps so we get the smaller winners who outperform the big guys, like if a small-cap biotech explodes in growth, FXKAX captures that upside, FXAIX doesn’t, but I’m worried abt the volatility of the next few years. Might be too aggressive of an approach.

poonjouster

You're deep in that 22% tax bracket. I'd be contributing a lot more in the 401k and probably traditional IRA instead of Roth. Maybe it's just my lifestyle, but I make 90k before taxes and do 12% 401k, max HSA, max traditional IRA. Everything is in FXAIX, VTI, VXUS.

WMan37

* Finally get into investing at the start of this year because fuck it, my job gives me a 401k plan with fidelity where I get an extra 3% of everything I put in because I chose to allocate 6% * Within days my shares depreciate like a collective $200 in value even though I diversified, which is like 50% of what I put in * Feel like a sucker and I'm currently waiting (hoping) for them to go back up to at least a point where I can break even * Go to report my taxes on TurboTax the other day It doesn't make it super clear how to report gains from sold shares, meaning I'm worried about that too when it's no longer de minimis. I can now absolutely see why people call it gambling. I should have just been happy with the 3% APY returns from a HYSA. That'd at least be upward-ish enough momentum to pay for a trip to the gas station every month despite inflation taking a chunk of buying power anyway. Feels like gambling, because I did the right thing and actually tried to look into companies I was investing in, followed places on the internet like here to get a broader scope of discussion surrounding this, consumed a lot of investing based youtube content, and even then I still got screwed over a bit. As an example, [AMD beat earnings](https://www.investing.com/analysis/amd-beat-earnings-by-600-million-so-why-did-30-billion-disappear-200674451) and their share prices *tanked.* Then I bought 1 share of VOO to test the waters since people say that's what to go for, and then it tanked 10 dollars the next day and hasn't really yet broken even. Tried to get into metals after reading news articles, so own shares of silver and gold, tanked and hasn't reached purchase prices yet. When a company does well and still gets reamed, and you do research and it doesn't feel like enough, it definitely feels like gambling. At least I didn't put anything in I wasn't ready to lose, but it still feels bad. People act like it's this super approachable, easy thing, but you get a mountain of so much conflicting information and it feels like just taking potshots in the dark, I'm probably not going to be investing much after this. The only thing that has earned me minor amounts of upwards momentum is FXAIX and even that makes like a few cents of overall progress while wildly fluctuating up and down. Maybe it's because I'm new to investing, but so far I feel like the time I spend trying to follow the stock market would be better spent just doing uber/doordash/instacart, etc. as a secondary source of income.

D_Pablo67

So long as you are investing for your son on a regular basis, FXAIX, VOO, SPY and IVV are all good choices. Once you get the value over $20,000, you may want to set aside half your new investments to a handful of individual stocks that have excellent earnings growth.

emmanuelibus

I'm doing the same thing for my daughter. Also putting most of it on FXAIX.

Gonzalez100kof6el

If you invest $500+ per month, it's possible to achieve your goal after 65 years. However, over such a long period, I believe you also need to consider unavoidable factors such as the economic environment, inflation, and economic bubbles. I don't think FXAIX is the best investment option if you're looking for a more sustainable legacy

Cruian

Vanguard's VTI at 0.03% or VTSAX at 0.04% are higher than Fidelity's FSKAX at 0.015% or FZROX at 0.00%. Same story with VOO/VFIAX vs FXAIX.

CarnageAsada-

I have both a TDF and sp500 FXAIX 80% international 20% so I guess I’m the best of both worlds 😂

TotalWarFest2018

Well I guess im not the only one. In the movies people are willing to go into crypto sleep for decades for a single share of Weyland-Yutani. If we life in a dystopian future ruled by one of these mag 7, my hope is my FXAIX and FBGRX at least allow me not to have to join the colonial marines.

nastybushwoogie

FXAIX

HaiKarate

I don't mean to be rude, but why are you asking us? The information you need is 1) in your portfolio history, and 2) in an online chart of the S&P 500 by year. You can create your own spreadsheet that looks at how much your financial advisor earned or lost each year, and compare to the S&P 500 performance by year. And yes, that should most definitely point out to you that you would be better off just putting everything in an S&P 500 index like FXAIX or VOO and just letting it ride. And I'm assuming there's a large amount of money at stake here (25 years and underperforming the SP500 by 122.42%). You should probably talk to a lawyer and see if you have grounds for a lawsuit. Underperformance is not enough, but if you can prove the losses were a result of misconduct, you may have a case. The S&P 500 had a phenomenal last 25 years, returning 265%.

BakerBunearyBella

FSPTX is a mutual fund, so the order does not execute intraday. It settles once per day after market close at the fund’s NAV. For ETFs, a limit order means you are willing to wait until a seller is available at your specified price. Looking at average daily volume and the bid/ask spread gives you a good sense of how quickly a limit order is likely to fill. In general, for a buy order, placing the limit closer to the ask than the bid will result in faster execution. For highly liquid ETFs, such as those tracking the S&P 500, using a market order is usually fine. The bid/ask spread is very tight, so execution is immediate and the expected slippage is minimal for long-term investors. If you want to avoid intraday execution altogether, you could also buy an S&P 500 mutual fund such as FXAIX (Fidelity 500 Index Fund), which executes once per day at NAV.

FrankDrebinOnReddit

That would still be FXAIX, which is a Fidelity mutual fund tracking the S&P 500. VOO (along with SPYM; both track the S&P 500) trade in shares, but you can trade as little as 1/1000 of a share with Fidelity and can enter orders in dollars (it may need to round to the nearest 1/1000 of a share, but with SPYM especially that will be $0.08 increments.

Careless_Llama_3382

It’s either FXAIX or VOO or some similar sp500 passive etf

PeopleRFuckingDumb

That looks so much like FXAIX