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
Remember the yearly contributions limits. In my opinion, drop JEPI and QQQ and put it into FXAIX and VTIAX evenly as you can easily change it in a Roth when you need income (QQQ is just nonsensical). Also, unless for some odd reason you have 2 separate roths, you may be charged to buy mutual funds from other brokerages so if with Fidelity, I’d get FTIHX for intl.
The good news is that you're 19 and starting a ROTH, plenty of time for growth. You can keep it in VOO/VXUS or look into some other funds like SCHG (growth), QQQM (NASDAQ exposure), or research other funds. I have a Fidelity ROTH and have FXAIX, QQQM, SCHG, VXUS and some growth stock. Just research the funds you're interested in that have low fees and proven track records.
I’d use a more well established platform such as Fidelity or Vanguard. Both free to start and have great apps for convenience. That’s an excellent plan, if you start young and invest in index funds (think FXAIX, VOO, VTIX) you’ll be setting yourself up for a nice retirement when it comes. I would just voice caution on getting too antsy and investing in individual stocks. You can get lucky and rich off the right one, or go broke.
Remove SCHD, young people don't need dividends unless there's a large sum of money you can invest in. Dividends are immediate income and not growth focused. VTI and FXAIX are overlapped for the SandP500. 40% VTI, 30% VXUS, 20% QQQM.
FBGRX and FXAIX are both fine funds. (Although if you can buy ETFs, use them instead of mutual funds.) \> I also considered putting all of my FXAIX money into 1-2 safe consumer staples stocks such as PG and Walmart, What on Earth for? There is nothing "safe" about individual stocks of any kind compared to the S&P500. PG has lost 9% the past year! The two ETFs you have are fine. If you want "safer", just dump the TSLA and RKLB... and also the NVDA is you really want to make a point of it. Redistribute the funds into the two ETFs... or if you really need to feel like you need to own something else, don't focus on high risk low return individual stocks like PG, but rather get a third ETF like a mid or small cap factor ETF.
I agree. Would you keep both the OP FBGRX and FXAIX knowing that they share many of the top 10 stocks?
I performed a 10-year backtest of your portfolio. this can't predict the future, but it gives us a means to compare. I base my remarks on what I learned. you are right that FBGRX has powered along, but beneath the fireworks is a lot of volatility, which could burn you if the market takes a turn. to hold three aggressive stocks entails big risks specific to each one. you could fold these into a big FBGRX position, i.e., hold 55 FBGRX, 45 FXAIX, but that is not unlike holding all FXAIX, but with more volatility. so I would roll it all into FXAIX. the market has been phenomenal these last few years, but many risks are arising, such as recent issues with credit quality and geopolitical turmoil. you want to catch up, but job #1 is to protect your capital. that's why I suggest a balanced approach, i.e., FXAIX.
Since you are relatively new to investing, sell everything and just invest in FXAIX (80%) for now.
My portfolio is currently 100% allocated in FXAIX and I plan to change it to about 90/10% allocated into FXAIX/FBGRX for a little bit more of a growth tilt. Is there any more ways that I can optimize my portfolio towards moderate growth? I feel like I lost a decade investing and am trying to catch up by optimizing. Projections currently value the investments at about 1.3 million in 25 years but I’d like to retire earlier. Right now the biggest problem in my investing is low income and having to start over after losing my career. Thanks for the replies.
Investment account? S&P500 ETF like VOO IRA (Trad or Roth)? S&P500 Mutual like FXAIX
Majority (95%) of my holdings are FXAIX, FZILX and NVDA. I just play with the other 5%. For example had some shares of palatir at 160 and sold at 200.
Lots of suggestions of sticking as much as you can in a Roth IRA over two years and letting it grow until retirement, and if you want this money to grow to the maximum possible, that's the way to go. But, I'm gonna suggest you open a taxable brokerage so you can let this money grow for a bit and then access earlier for a large purchase like a home in 10+ years. You can do this with Fidelity, Vanguard, Robinhood, or Schwabb. Depending on your risk tolerance you could put 70% into a domestic stock fund like VOO/FXAIX for SP500 or VTI for total stock market. 20% foreign stock fund like FENI/VXUS/VYMI. 10% put into a bond fund like SGOV, or pick a municipal bond fund for your state so you don't have to pay federal or state income tax on the dividends. The 90/10 portfolio has worked out pretty well for Warren Buffet. Right now there's no capital gains tax if your taxable income is under 48k (gross income under ~64k) for a single filer. Time will tell if this is still true in 10+ years.
If you want to move out soon, then don't put the money into the stock market. If you do put it into the market, I might not put it in VOO since you already have FXAIX. Don't base your investing strategy on FOMO. It isn't a good strategy.
I would merge VOO and FXAIX or transition FXAIX to VXUS. I don’t understand why you have a very concentrated position on MSFT. Makes no sense. I would diversify to SPMO. Overall, it’s a very heavy growth portfolio. It’s good, but I would add international and perhaps private equity if you are eligible at one stage.
i have tried both. in my experience, FXAIX is better for most investors because its price doesnt move throughout the trading day. if the price of VOO climbs up at market open and climbs down towards market close, it may prompt some people to make emotional decisions. or to quickly transfer a few dollars to “buy the dip”. its just not necessary but its more convenient if you might transfer to another brokerage.
Thanks! FXAIX and VOO will both track SP500 - so why FXAIX and not VOO ?
you have alot of overlap, but since youre already invested, id just leave it as-is. no need to pay taxes just to rebalance. i would sell COST as thats a dividend play and going forward go all in on FXAIX due to low fees.
buy s&p 500 index fund FXAIX inside your roth ira, anything above the 7k in your roth, you won't get a tax benefit for but put the additional funds into a brokerage also openable with fidelity & also into FXAIX. congratulations young one.
That's literally what it will do https://chatgpt.com/share/68fc15fa-0e3c-800e-8221-ee266718c5ac > Allocate 60% ($6,000) to a low-cost, diversified S&P 500 index fund or ETF (e.g., VOO or FXAIX) for long-term growth. Put 20% ($2,000) in high-yield savings or short-term Treasury bills to maintain liquidity and stability. Invest 10% ($1,000) in international or emerging markets ETF for global diversification. Use 10% ($1,000) for personal conviction or higher-risk assets (e.g., tech stocks, REITs, or crypto) if you’re comfortable with volatility. Rebalance annually and reinvest dividends to maintain target allocations and compound returns.
If 78-100k ruined you, you ain’t got no business in options trading or investing in general 😂 That’s why I just send my cash to my ROTH IRA target date fund and FXAIX if I feel like gambling I just go to a casino and lose $500 max twice a year. I just enjoy seeing others win here. Well some win.
Fidelity is perfect for your son - they have zero-fee index funds (FZROX, FXAIX), great app for individual stock trading if he wants that, easy Roth IRA setup, and excellent customer service for beginners. Just clarify: a "Roth IRA" is already the account type (can't have both "traditional" and "Roth" versions of a Roth) - you probably mean he should max the Roth IRA ($7k/year) and maybe open a regular taxable brokerage account for additional investing beyond that limit. At $9-11k/month with no benefits, he should be socking away at least $2-3k/month - max that Roth IRA immediately, then put the rest in a taxable account with boring index funds like FXAIX (80-90%) and let him play with individual stocks (10-20%) so he scratches that itch without blowing up. His age is an insane advantage - every dollar he invests now is worth like $10-20 at retirement!
Hey! At 19, investing in S&P 500 index funds is actually a great move - the people saying it's "terrible" are probably talking about individual stock picking or timing the market. Both Fidelity and Vanguard are solid choices (can't go wrong with either), but I'd lean Fidelity for their zero-fee index funds like FXAIX and better app/customer service. Starting with $500 and adding $500/month at your age is going to set you up incredibly well - that'll compound to serious money by the time you're 50+. Just make sure you have a small emergency fund first, then invest consistently and don't panic sell when the market dips!
SPMO is better than itot & FXAIX is half the price.
You bought doge. 😐 Best advice? Stick to something like FXAIX. Mutual fund, low cost, and keeps you from trading
He isn't right, both are liquid... SPAXX you make 4% no risk. FXAIX you can make 10-12% at least per year but can also go down in a major correction, so yes with upside for sure but you are assuming a higher risk cause you are now buying stocks essentially. RIsk vs reward.
I keep things as simple as I can for me. I'll reevaluate when I'm 40. I keep about 3-4 months of expenses in a HYSA for my emergency fund. About 90% of retirement savings in growth funds like VTI and VXUS (FXAIX and FSKAX in my 401k). The other 10ish% in income (SPYI and QQQI) and bonds (FBND). I started contributing $5 a paycheck and now I'm up to 28% of my salary. I also have an HSA to take advantage of that benefit and I recommend everyone I know to look into it. Anything helps so start as soon as possible, even if it's only $3 a month.
This is probably because SPAXX is often/generally where your money deposits to when you transfer to your accounts. It probably happens a lot that newbie investors deposit money in their fidelity account and think they are done, not realizing that they need to actually buy the investments they desire, moving money out of SPAXX into, for instance, FXAIX. But some people do intentionally want to hold SPAXX just to keep their money liquid while earning a little interest. In my case, I like to buy SGOV to differentiate my emergency fund money from money I've just deposited that I intend to invest (SPAXX). Do you have other money actually invested, and you are purposely keeping this 6k set aside as emergency savings? I could see the Fidelity rep thinking "this guy hasn't invested his money at all!" and kinda giving you a heads up about that. Make sure you are thinking of your money as being in separate buckets: cash (liquidity for emergencies... stable against market down turn) and investments (long term growth at the cost of short term volatility and downside risk; FXAIX, stocks, etc). These two things are kind of opposite sides of a spectrum. If you go all cash, you can weather a downturn no problem, but you won't grow your wealth. If you go all stocks (even in something like FXAIX), you may get screwed if you need money during a market down turn. Sometimes markets sink and don't recover for 10 years - you could lose 20-50% and not gain it back for a long time. But, on average, over long time periods, your stock fund (FXAIX) will likely grow WAY more than cash (SPAXX). Understanding this, you can allocate appropriately.
Emergency funds are for emergencies and should be liquid (access within 72-hours or less) and not tied to market fluctuations. Ideally, they should grow with at least inflation, after tax. FXAIX fails that test because it’s subject to market fluctuations. I personally am using BOXX for my emergency funds within a taxable brokerage. This can carry some tax advantages (deferred LT CG) but has potential future tax risks (IRS changes tax treatment). I am in a state without income tax and willing to take the risk.
There's at least two components to liquidity: (1) access time to cash: SPAXX is basically a cash fund, and AFAIK, you can wire funds out and have it in a local bank account or even cash in your hands within a day, while FXAIX is a stock mutual fund and doesn't sell until the end of the trading day, is limited to $100k transaction per day, and AFAIK, takes the usual three days for the transaction to complete to cash in your hands. If you need more than $100k in liquidity, you have to add one more day per $100k. (2) uncertain growth. FXAIX is invested in the basket of SP500 stocks, dominated by large-cap US technology stocks. These stocks can get hit in a matter of days by changes in the expectation of economic conditions, moving rapidly downward by about 30%. That includes the downdraft we experienced earlier this year when Trump totally fucked international trade with tariffs, rapidly changing the expectations of the profits of those very large-cap US corporations that rely on inter national trade. The market recovered from that over a few months, starting in April, and grew beyond the levels of January, but Trump is threatening tariffs of 100% all over again. If you need to pull out your emergency funds when the market has panicked like this, you lose the 30% of your funds permanently, because you can't afford to wait for a recovery. --------- Now, if you've got additional funds invested in stocks beyond your emergency funds, you can open a credit line based on the margin of your investments. Basically, you're pledging your investments as collateral for a credit line based on their value. You can access that credit line about as quickly as SPAXX, and even if your investments take a 30% hit, you are simply burdening your investments against your credit to a greater degree, you're not permanently losing that 30%. This April, when I got my taxes calculated at the last moment, I needed cash immediately to pay taxes due, and selling stocks wouldn't settle before April 15th. A margin loan raised the necessary cash, and the interest on that margin loan was much less than the amount my equities recovered up to now. Closing that margin loan now would put me far ahead of where I'd be if I had sold FXAIX or other equities on April 14th. (I *should* definitely close that out, though waiting until after Dec 31st would delay the capital gains taxes by a year.) *Really* wealthy people can live their whole life on borrowed funds and never pay off the loans until it becomes part of their estate upon their death. To them income tax is for dumb lovers who actually have to stoop to taking income.
> Its labelled as "Emergency Savings" in my account, **so he knew.** Are you merely assuming that, or *did you EXPLICITLY tell them, verbally, that it's an emergency fund.* I find it highly unlikely that a Fidelity rep would suggest putting emergency savings into FXAIX. I'm almost certain there's a miscommunication or misunderstanding here.
FXAIX tracks the S&P, so if there is a dip, it dips, if it goes up it goes up. It’s not riskless, so if you’re trying to keep that money safe and in a risk free position just be mindful of that.
Its labelled as "Emergency Savings" in my account, so he knew. But he said FXAIX is more or less riskless and I could have it back after a day of processing.
Did the rep know it was your emergency savings? Because that would be insane advice (and likely contrary to Regulation BI) if so. You put money into FXAIX, or the stock market in general, that you can afford to lose for a while (say a 20-30% drop that will take years to recover from), not for emergency savings. It's true that you don't stand to gain 9-10% a year from, more like 3.75% soon to be less, but you're not going to lose any principal.
He was just a normal service rep, but he basically said "I dont understand why you have all this money sitting uninvested, FXAIX is just as safe and it'll grow faster." I was just wondering if Reddit agrees or not.
Buy FXAIX and stop watching it.
"S&P 500" isn't a stock; it's a collection of 500 different companies. Rather than you investing in each of them individually, there are companies out there that bundle them together for you. SPY, VOO, IVV, FXAIX, etc all track that index of companies. There are also variations on the theme, but SPMO and SPYI are not tracking the index itself.
>If so, do not use FNILX. Not just because of the possible taxable gains I have FNILX for my Roth IRA and in a taxable brokerage I also have FNILX as well, but only about $140 so far. If I switch from FNILX to VOO or FXAIX in my Fidelity brokerage account (NOT MY ROTH IRA), how big of tax savings will that really make if I contribute let's say $500 a month in my brokerage?
I’m 30 and can tolerate swings so my portfolio is 100% VITIX which is a growth oriented fund but basically the SP500. At your age, I’d just go 100% in FXAIX and reconsider allocations at 40.
Indeed. Last time he was in office and the market tanked I bought $16k worth of FXAIX. Earlier this year I did similar. LOL, in my mind it's the only thing I can count on when he's in office -- a down market. But, yes, I understand the angst that's going on around all this stuff.
Do you have your own retirement account - a spousal Roth? Or your own brokerage? Regardless, throw it all in a FXAIX or VOO and let it grow.
SCHD is for old people that are shifting their assets to prioritize stability and more accurate annualized returns as they’re closer to retirement. FXAIX is a good choice, I personally buy BRKB for my “safe position” right now because I think the SPY is an overvalued shitcoin rn
FXAIX is a great choice. If you want to replace SCHD with a value ETF, look at CGDV or FDRR.
No problem cheif! Just be sure to be in the know when using them (or anyone really) technically its 'our' tenders 'we' gotta protect and make more of.. I learned a lot from browsing around on reddit. I have robinhood it started with one dollar. Somehow it's currently bouncing around $16-20 i buy crypto with that platform, but I wouldn't trust my roth with them. No offense to anybody. Robinhood does have 24hr mkt trading with more financial products.. but ..... Schwab and Fidelity have their own etfs.... SCHD , etc for schwab and FXAIX, etc for fidelity.... Also i believe Fidelity have etfs @ 0% fee with them directly though so something to think about...
I literally only hold it for the dividend. Once the last of my shares finally hits that 1 year mark I'm going to sit on it until it hits $13.50 again and sell. Then dump all that into FXAIX, SCHD, & DRGO. Then I wait to see if my other disappointing stock picks go up. You know the ones. Pfizer, Intel, Rivian, BP. Although I'm up on all of them this last week the market pushed my 💩 in. But it's ok I'm in this for the long haul. We could see Ford go as high as $13.55 in my lifetime.
Man if you just left all of that money in FXAIX and forgot about it
Many 403B accounts and 401K accounts offer FXAIX but not VOO. Also for those using Fidelity FXAIX is a fine choice for a mutual fund as it has a lower expense ratio than VOO.
Hey folks. Fairly new to investing. I opened a Roth IRA with fidelity this year and put in chunks of cash when they came by. Recently I decided to put in a set amount each paycheck. Am I better off buying every week with that set amount or should I wait to build up and then purchase? I’ve only been buying S&P or FXAIX. Thanks in advance.
Your options: 1. Keep Fidelity Go as-is – if you want truly hands-off and don't mind the fee. 2. Switch to self-directed – sell the robo funds, buy FXAIX or another S&P 500 index fund yourself, and save the management fee 3. Do both – keep the Roth IRA in Fidelity Go, open a separate brokerage account for your ETFs where you have more control I'd probably move the Roth IRA to self-directed and just buy FXAIX or FSKAX (total market fund) if you're young and want growth. Set up automatic contributions and let it ride. If you want something more dynamic than basic buy-and-hold but still automated, there are no-code platforms now where you can build or follow strategies that actually adapt to market conditions – rebalance automatically, handle risk management, run on rules instead of emotions. It's like a robo-advisor but smarter and you keep full control of your brokerage. Could be worth exploring if you want automation without paying ongoing AUM fees. Happy to share the name of the tool if that sounds interesting.
Start Fidelity account FXAIX 70% FSPGX 10% 20% international
Thank you! I like the idea of selling puts. Know about it for a while, never did it. Now I have 200 S&P 500 shares (FXAIX), that I want to sell atleast 100. Is it a good idea to sell call, if it sells then good. If not I make some extra cash. Does it make sense at all? Same thing for other stocks that I have over 100 stocks and want to get out at some point….
FXAIX is a great fund, also FSPGX is another good one which performs a little better
Love that you’re actually letting go of the stock-pickng trap and leaning into funds, that’s way harder than people admit, especially when you've been hands-on for a while. one blnd spot though is you're kinda stacking U.S.-heavy funds (like FXAIX and SPYI) that ovrlap more than they help, so are you intentionally doubling down there or just playing it safe without realzing it?
I do 25% target fund that is 10 years past my actual target date and 75% FXAIX. But im also 35 so apples to oranges.
Why is the $8k in FXAIX but the $46k in VOO, which is the same index? This is inside a retirement account so the tax inefficiency of capital gains distribution of mutual funds is moot. Keep it simple. Since you want growth, skip SCHD and just stick with one growth index fund. And since you have Fidelity, consider their Zero funds instead, like FNILX or FZROX. The amount to convert depends on your taxable income. If you have plenty of room in the 12% bracket and you have time, then convert only up to the top of the bracket. If you're solidly in the 22% bracket then there's not much tax savings left so you might as well use up the 22% and 24%.
My advice... Low to no fee S&P 500 like FXAIX or broader market exposure like FZROX. GLD or GLDM for holding value of investments (5-10%). Buy in a routine manner when markets are up or down. Dollar cost averaging. Use an S&P 500 calculator to see what to expect over time. It keeps you focused. Keep 10% of your wealth for rainy day fund. Buy cars you can afford to buy with cash. Pay off your credit card every month (when eligible). Develop a budget and monitor your monthly spending against it. Live within your means. Don't lend friends or family money. Don't share your wealth information with them. Focus on developing marketable skills. Do this for 10+ years to develop good habits and you'll likely be on a path to retire early. Just my 2 cents. I'm not a financial planner or a licensed broker.
All the big index funds have heavy overlap. VOOG is more heavily concentrated in the top 10 large cap growth stocks. VONG mixes in some mid cap growth. Both are more growth oriented than VOO or FXAIX.
Im confused because it looks like the holdings are similar to the FXAIX I have
You could also just use a MF like FXAIX
Damn okay so if I up from 3 to 4.50 per hour that’s 15 percent of 30 per hour so that’s probably all I should adjust. My “emergency savings” I consider my cash management account, that I have about half invested into FXAIX and half withdraw able at the moment. I thought I might be a neat idea to have my “checking/emergency/liquid” account be one where I can play with the market with also and try to match the compounding rate on the invested funds within it, rather than just cash in the mattress or a 5 percent savings account. If I’m seeing 15 percent return on my IRAs I figured why not try to get close to that return in my liquid money too
Im heavy FXAIX and have a big cash reserve to balance an equity heavy portfolio and also buy back in during major contractions. So, I’m either up and not really DCA’ing, or I’m down and buying for cheap. Worse case scenario the market is too high to buy or my cash on hand drops down to 6 months
Fidelity and Schwab have comparable mutual funds with lower expenses vs vanguard ETF. SWPPX Schwab S&P500 has an expense ratio of 0.02% FXAIX fidelity s&p500 has an expense ratio of 0.015%. I think you are confusing active vs passive what has nothing to do with ETF vs mutual funds.
You are confusing active vs passive. SWPPX Schwab S&P500 has an expense ratio of 0.02% FXAIX fidelity s&p500 has an expense ratio of 0.015%. The Lowest expense index funds are mutual funds. Fidelity also has 0% expense funds. Not that this really matters as savings a couple basis point is not going to change the outcome
Yes buy FXAIX. Don’t buy crypto or crypto funds. There is no intrinsic value there. Buy companies that make goods, sell them, and earn revenue. That’s value.
Yes except you should do 60%-80% FXAIX and 20%-40% FTIHX.
If I'm understanding what your OP is saying, I think a point may need to be made. You're saying 3.75% APY. But that's the cash back rate, yes? So that would only apply for the year that the money goes into the account. What are you going to do with the cash after that? Leave it as cash? What does Robinhood do with uninvested cash? I assume a cash sweeps or something. So what's the APY for their cash sweeps? VOO/SPY/FXAIX/SWPPX are all fine S&P 500 index funds.
FXAIX is a great basic 500 fund. It's done very well for me in my ROTH. If you're already using Fidelity, then go for it.
I haven't read this entire thread, but one thing I think doesn't get mentioned enough is that many of the people buying into precious metals are relatively naive investors. I don't mean that disparagingly though. There's a demographic of blue collar folks, mostly men, who "stack" physical silver and gold. They buy Eagles, rounds, "junk" silver coins from before 1964, etc. While mostly invisible on the market they can drive a lot of demand. Every town has a coin shop or two, and it doesn't take many sales a day across the country for the refiners to feel the increased demand. The last time silver was this high was during the 2008 recession. My point here is that blue collar folks who may only be incidentally invested in the stock market through their place of employment are feeling threatened, and they're reacting the only way they know how: buying actual precious metals, not ETF's or futures. They put it in their gun safe, they can see it, and they know that no matter what kind of computer bullshit happens with the stock exchange, that metal will still be right there. A lot of people across this country have, at one time or another, had a traumatic experience with money, and the feeling of KNOWING that you have X amount of money and always will have it because it's REAL is a powerful incentive to buy precious metals. To me this indicates that things are going increasingly poorly for folks in lower income brackets across America. That's not gonna take very long to catch up to stock prices, IMHO. When consumers get scared and stop buying, markets collapse. It's basically summer time now, and the holidays are coming up soon to drive some spending, but come February, when there's nothing left to look forward to... Let's just say I'm not optimistic. Personally, I'm going heavy into defense, holding what gold and silver I have, selling some losers, and putting money into funds like FXAIX. My bet is that even if defense doesn't blow up over the next 10 years (pun intended), big money will continue to get bigger and S&P500 tracking funds will do well. If I gave financial advice (which I don't) I'd say avoid sectors that rely on discretionary spending, and maybe pick up some depressed alcohol stock. Brown Forman is in the crapper right now from the Canada tariff thing, and their dividends are not bad. That's just an opinion though, since I don't give financial advice. I don't think we've seen the inevitable market correction that's coming yet, and the next 3-4 months are gonna be wild.
FXAIX is great, I prefer a combination of FZROX and FZILX in my IRA, can't port them to other brokers if you transfer from Fidelity though.
You’re 21, best bet is to do FXAIX, unbeatable low fees and just auto buy throughout your life. VOO is an ETF which will create the temptation to sell and buy whenever you want. Stick to long term. At your age, by the time your mid 30’s come around your compound gains will surpass the gains of any day trading.
QQQ, FBGRX, IWY, VUG, FDSVX, VOOG, FCNTX, FXAIX, have 10-year total returns of 523% to 299%.
expense ratio. spy charges $9.45 per $10,000. voo charges $3 per $10,000 and fxaix charges $1.50 per $10,000. it's not personal opinion, they're the same index so they hold the same companies, but the compound interest can lose $8 per year in growth by choosing SPY over FXAIX. doesn't look big in the scheme of things, but it's hundreds, then thousands of dollars, over a 40 year period.
I'd avoid QQQ at the moment. The market is so topheavy with not just mega cap but also a smattering of bubbleish companies. I think we probably have a recession not too far off but short term they'll rebalance, call it a sector rotation, and the overall market won't beas affected. Some companies that have been lambasted will suddenly be just fine without AI and oh hey, look at those fundamentals, ratings upgrades etc. Applied Materials just jumped, look at AEO, plenty of others. Plus tech isn't everything. Once a decade or so the world is reminded oil is may not be ideal but is at the moment necessary. I'd go with a more broad market etf or fund, VOO, FXAIX, many others. And a smaller hedge. Better dividends too. 10% pullback in QQQ seems like it could happen, but if that's where you are in a year and it trades sideways for a bit you'd start sweating. Just my two cents. I have been swinging some oil positions, selling calls or just top of the channel. It's yeoman's work but it adds up and they behavea bit more. The calls probably not necessary but on an apparent spike when I see another shiny object I do sell them with no ragerts. I figure the odds of a sudden spike there are not unreasonable, so you could very well catch that upside.
Probably easier to just buy a mutual fund equivalent instead, like SWPPX or FXAIX or whatever the native fund is at your brokerage.
I’m 40 with kids, employed full time in the USA and spent most of the last 13 years putting most of my savings money into a 401k deferred compensation plan and my pension (I have a union job). It wasn’t until about 3 years ago that I remembered I had a Roth IRA and I should have been building that too. I’m a conservative, long-term investor that doesn’t expect to retire for at least 25 years. My (small) Roth IRA portfolio is below. Is this the right mix? Should I also have bonds? Is it best to pour anything I add into VOO? FXAIX: quantity = 6.2, 11% of account QQQM: 15.3, 28.6% VOO: 10.1, 47.4% VXUS: 19.4, 10.8% Thanks!
FXAIX, QQQM, SSO, BTC. Same as before and same tomorrow.
You can go with FZROX or FSKAX. That will be C and S in one fund. The FXAIX and FSMAX works too.
You don't have to direct index to tax loss harvest. If you were invested in say VOO, you could sell VOO and turn around and buy SWPPX or FXAIX. They all track the same index, but they are ran by different companies, and to date no one has stated an instance where the IRS has considered this kind of trading as "substantially identical". Also when you directly own stocks, you receive all of the associated investor literature and notifications of meetings and all that. Imagine having to deal with all of that for lots of companies. Maybe most of that can be sent to you digitally, but I know for the few that I currently get I personally find them annoying. I'm not interested in voting or any of that. I just want the companies to keep making money and being profitable.
Open the account and get it moved. I use Fidelity, but I am sure Merrill has low cost funds, and you buy FXAIX, or voo in Merrill. I think you might be confusing account with investment. You have to move the money into an inherited IRA, then you can choose what you are investing the funds into. Yes I have an inherited IRA, but mine is pre 10 year rule.
Hi All, Not sure if this is the right place to post, but I want some opinions/advice on my current investing situation and what exactly I am investing into where. I am a mid-20s adult and live in a MCOL - HCOL cost of living area as a remote worker. I make \~ $85,000/year from my salary. Below is my investment breakdown: ***Bi-Weekly Paycheck: $3,302.52*** **Pre-Tax Investments** * 10% of Paycheck into 401(k) through Fidelity (FXAIX): $330.25/paycheck * Company Match (50% on first 6%): $99.08/paycheck **Tax Payments** * State/Federal Taxes: $723.74/paycheck ***Post-Tax Paycheck Balance: $2,248.53*** **Post-Tax Investments** * 10% of Post-Tax Paycheck into Personal Portfolio: $224.85/paycheck * 70% into FZROX: \~ $157.40 * 30% into FZILX: \~ $67.46 * Max Roth IRA: $269.23/paycheck * 70% into VTI: \~ $188.46 * 30% into VXUS: \~ $80.77 ***"Take Home" Paycheck: $1,754.44*** The $1,754.44 goes into my Checking Account. Once a month, I move $715.55 (10% of monthly salary) from my Checking Account to my Savings Account (variable APY, but \~4% right now). I accumulate \~ $8,586.55 in my savings a year from this. Let me know if anyone has any suggestions or questions. I appreciate the input in advance!
There are two issues with those fund: - first as the other person mentioned, those mutual funds have much higher fees than alternatives. Fees will eat into your returns over time. There are better options with lower fees. - second, those two fund are very similar, both focused on larger American companies. links below. The top 10 stocks in both funds are very similar: Microsoft, Amazon, Nvidia, Broadcom, Apple ... so whoever sold you these funds didn't put much thought into the process. a better portfolio would be, maybe, (1) Larger US company fund; (2) smaller US company fund; (3) international company fund. these 3 would zig and zag differently, and would compliment each other better than two that are nearly identical. so my advice is similar to the other reply: fold both of those funds into FZROX or FXAIX or FSKAX (to use Fidelity examples), and add an international fund (FZILX, FSPSX) and possibly a fund focused on smaller US companies (FSSNX) ACAAX portfolio: https://www.morningstar.com/funds/xnas/acaax/portfolio FAGAX portfolio: https://www.morningstar.com/funds/xnas/fagax/portfolio
SPY is worse than VOO , and VOO is worse than FXAIX. tiers here bud, tiers.
it IS a set number. you have your emergency savings in check and that's the perfect first step. second would be working on that Roth IRA. you can only put 7k per year in, so getting as close to that if not fully maximizing the opportunity, is the next best option! ( download fidelity and open a Roth IRA, then with your contributions, buy 70% FXAIX , 30% FTIHX ). Third, After maxing out that roth, anything additionally you're able to invest above your immediate high yield savings should go toward a brokerage account (also able to be opened on Fidelity) and in there, invest in 40% VOO , 30% VXUS , 20% SPMO and 10% QQQM) that'll maximize your growth opportunity and still maintain a nice set of diversification. This account is traditionally used for larger life purchases before retirement such as a car and/or your first or next home purchase! amazing questions, we wish you nothing but the best on your journey!
I get your point, as it highlights the difference between primary and secondary markets, however don't you think that it still drives demand for said stock? Example: I invest in...say...FXAIX. while the money i throw into FXAIX doesn't necessarily make it to Microsoft directly, increased purchase of FXAIX by myself and about 200 million other US investors necessarily drives up demand for Microsoft stock, thereby indirectly benefitting Microsoft via the secondary market. Is this an accurate assessment?
You could also buy FXAIX, which is a mutual fund and thus trades natively in dollar amounts.
Best thing to do if you wanna stay in the market is start dollar cost averaging into the S&P 500. Even if it is $20 a week anytime you have the urge to gamble just throw that money into the S&P 500 fund. I recommend FXAIX, best decision I ever made. Started doing that after a 60k loss gambling on penny stocks.
Find the flow charts that tell you where your money should be going. You already have accounts, so you know how to save... So I guess you are asking what to invest in... The SP500 is the market. this is the baseline for your investments. FXAIX is one of the Fidelity mutual funds, but there are many. Bogleheads is a standard investment method which takes a split into more safe versions. At 40ish I think the 500 is a great option. I also do QQQM which is the nasdaq and more risky. FSELK is a chip mutual fund that is one of the top performers, but with that comes risk. I would stay away from bonds, and keep the HYSA, you could look into high income bond funds with dividends...JEPI is one of them. Remember...this is long term. If you are in the 500, stay there. do not panic when it falls...which it will. Do not sell. Just hold it for 20 years.
Ok I'm thinking about these changes based on everyone's feedback: Bucket 1: 5% in swvxx/vmfxx/spaxx (wherever my accounts land after consolidation) and 5% VTIP Bucket 2: 40% VOO/FXAIX/SWPPX 20% FFTWX/SCHD/VTV 5% SCHF Bucket 3: 30% SWLGX As retirement nears I'll shift percentages from Bucket 2 to Bucket 1 and reduce percentages in Bucket 3 as well.
Fidelity has a number of etfs and mutual funds. If you’re being serious, look at stuff like FSKAX, FXAIX, FTIHX, and FSELX among the hundreds of others that they offer.
There are much better options of S&P 500 funds than VOO and SPY. Check out FXAIX or SPLG
If I'm understanding you, FXAIX is already available in the account. So why do you need to rollover to a tIRA? Just do an in account transfer from the target date to FXAIX.
depends on your strategy and risk tolerance. FXAIX is fine.
I would hold an ETF in taxable. It is universally portable and more tax efficient (although lately that advantage has only been theoretical). VOO would be the Vanguard ETF equivalent of FXAIX.
You can backtest using this - [https://testfol.io/](https://testfol.io/) For your 401K, can you invest in something similar to $FXAIX? I have 401K account in Fidelity and I found a fund that was similar to the S&P500
Just put in 10K into FXAIX. Then once in you can shuffle to others. You know you have lost quite a bit of earnings hesitating...or being in fear. You deserve her feeling upset.
I own FXAIX in my Roth for broad exposure to the S&P 500. It's been pretty solid. But why limit yourself to mutual funds? Why not ETFs? VGT has also been really good for me for broad exposure to tech.
TQQQ 10% FXAIX should be your base investment 50% FSELX 20% QQQ 20%