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
Just recently, 2025, I bought all three SPY, VOO, and FXAIX. Do not know why really, but FXAIX was very strongly the laggard. VOO was a tiny bit better than SPY. Of course, this has been an unsettled time.
I never argued that my knowledge is anywhere near as valuable as his. But I think it is healthy to try and understand what is going on with my personal assets. I may not have a parade of people acknowledging the significance of the discrepancy, but not one person has argued that I'm wrong, only that the difference is too "minimal" to worry about. Mathematically, investing in FXAIX will save me THOUSANDS of dollars in the future. My "opinion" (factual data) has been validated. I appreciate the dialogue
I have the same problem (not a FA but buying SPY vs FXAIX). I love spending on red days and often times, I put my order in for FXAIX only to see I bought in the green by 3pm after close lol With SPY, I get the price at the time of the order. so if im buying red, I get red. maybe your FA likes that control. in the long run, I don't think it matters. im sure there's been days I bought when it was green that turned red by close. I notice the other way more because I buy more when its red.
You shouldn't be getting downvoted. It's idiotic to handwave this by saying the expense ratio is "minimal". Yeah? Well so is the effort of moving your money. As far as FXAIX or VOO, do the former if it's in a tax advantage account (Roth or 401k) AND you're investing from Fidelity. The latter if it's from a brokerage.
Just selling one and buying another could results in lost value that's more than years of those extra fees. Of course it could also go the other way. Is it worth putting new investments in VOO or FXAIX? Probably for me, but it is more to track and somewhat complicates the account - so maybe not.
It DOES matter over a long period of time. 100k in SPY since 6/1/2011 would be $565,234 and FXAIX would be $569,298. I used portfoliovisualizer dot com and picked 6/1/2011 because that is the FXAIX starting date. That is only 15 years. The compounding over 30 is much more. Every .01% counts in the long term on index tracking funds. Why leave money on the table?
SPY is better for active traders.. slightly more liquid than VOO. Your friend...probably personal preference on SPY. For you, however, VOO better as you don't trade it often. So saving on fee take priority. arguably, FXAIX would have been best if you never leave Fidelity. If you buying the samething.. why do you need some to do it for you?. Otherwise.. don't question someone who does it for you for free.
You aren't doing the math,you are just seeing a number . I have people in Voo,Spy and FXAIX Expense ratio is the least of my concerns because it's minimal
The point of the post is to try and find a justification for the higher expense ratio. They perform identically so why not buy the cheaper one, even if the difference is relatively minimal? Would you buy SPY over VOO or FXAIX?
The point of the post is to try and find a justification for the higher expense ratio. They perform identically so why not buy the cheaper one, even if the difference is relatively minimal? Would you buy SPY over VOO or FXAIX?
Congratulations on starting so young. In my opinion, your strategy is going to be dependent on what your long-term goals are. However, I do agree with SnooSketches6618's comment. If you are consistent with investing in an index fund that tracks the S&P 500, you will likely be amazed with how much your money will compound over time. For example, the all-time average annual return of FXAIX is 10.4%. At this rate, if you invested your $5,000 into FXAIX right now, you found a way to invest an additional $300 on a monthly basis for the next 32 years, and you opted to automatically reinvest your dividends into FXAIX, you would have well over $1,000,000 by the time you are 50 years-old. Nothing is guaranteed, but I have found this strategy to be effective up to this point. Regardless, you seem to have a solid head on your shoulders. Keep it up all around.
You’ll be investing for a very long time, so 2% will make a difference in 20-30 years. I invest in FXAIX and then I invest in my brokerage link the rest. In there, I like SCHD and other dividend/value funds and stocks. I don’t know much about the other investment choices in the traditional 401k. I think I did 75% FXAIX, 15% international, 5% small, and 5% bonds if I remember right when I first started, but that was a long time ago. I only do FXAIX because if I put all the money into the brokerage link, I would not buy VOO (FXAIX equivalent) and want to grow my S&P holdings because I think it’s a good long term investment. If I were you and didn’t want to do too much research, I’d probably just do FXAIX and forget it. That should be really good when you plan on retiring.
FXAIX is just the S&P500 in a mutual fund. I invest about 50% in that and 50% in the brokerage link option, which i have as more value focused (SCHD, KO, etc.). If OP has similar options to me, their’s also has small cap, mid cap, and international mutual funds in the generic 401k option. I would probably not get the aged fund, it’s usually more expensive (fees) and more conservative (bonds).
Read or listen to personal finance for dummies, they have a 20s and 30s edition. It is presented in an easy to digest manner and gives you a lot of great info. For your IRA you will need to invest it. At your age it makes sent to heavily invest in ETFs. I recommend a S&P 500 ETF, Fidelity's is FXAIX. Don't get drawn into chasing dividends at your age.
Pay off debt. Don’t create more debt. Put what’s left in FXAIX. Live life happy.
[Fidelity.com](http://Fidelity.com) Go online open a brokerage account, a Roth account. Go to Fidelity and talk to an advisor...it's free and comes with the account. Invest in long term low cost index funds like FXAIX.
FXAIX is fine too but if you use fidelity and get the really cheap expense ratio. And it’s nice that you can buy fractional shares. But because it’s a mutual fund vs ETF, they may distribute capital gains differently. Wouldn’t make a difference in a retirement account, but could make a difference for taxes in a brokerage.
Why does everyone on here always suggest VOO over an index fund like FXAIX. It's it just so it can trade like a stock throughout the day? For someone not constantly checking the market is FXAIX better?
You’re seriously doing it right. At his age, throwing a few hundred into something like VTI or FXAIX monthly is a smart long play. Maybe even a small crypto slice for future upside. Love the “life-forward” mindset he’s lucky to have you.
Yeah, I think technical analysis using your brain meat is a losing proposition for virtually everyone. But if you know how to program, you can find and back-test weak correlations that give you a small edge, especially when you set limits to enter and exit. But, the odds are more like 55% of a chance of being right and 45% being wrong over the ST. If you try to leverage those odds, you will quickly fall victim to the Gambler's Ruin paradox. Even if you have a small edge on a single stock, if you bet the farm on it, volatility will quickly kill you, because you should expect a weighted coin to land on tails ten times in a row if you flip it a lot. To be clear, techniques like using Fibonacci sequences or Elliot wave theory are almost certainly BS and so hand-wavy that I don't even know how to begin to code them and they are motivated by absolutely nothing, as far as I can tell. Other indicators like crossovers can be statistically confirmed and easily coded, but their predictive capability is so weak that they aren't worth it. However, you can use technical indicators as a basis to preprocess data for statistical (weaker) or modern ML (stronger) methods to create ensembles that allow you to quantify volatility and the risk of a trade. The good thing about price and volume data is that there is a lot of it, especially with intraday data, even though it is still extremely sparse in high-D space. The really bad thing about fundamental data is that there is so very little, which makes it that much harder to find any correlation that isn't near-zero over a market cycle. I tried and repeatedly failed to get fundamental screens to work for so many decades that I gave up, with the exception that it is a good thing when revenues and EBITDA reliably trend up and a really bad thing when they go down, especially if the PE and PS are high. But for me, growth is a screen to whittle down what companies to even consider. I will never bet on a turnaround of fundamentals until the data comes in and I don't care that this means that I will always exit after the top and always enter after the bottom. Companies like Renaissance Technologies beat indices in their closed private funds for many years (their pleb funds underperform the S&P) because there is useful information in the raw data. They started by sending peons to copy treasury data by hand so they could digitize it and use it and I think they started with hidden variable Markov models. Data is useful because the market is driven by big players following the Pareto distribution, and no big players can enter and exit a position without leaving a significant wake in the data. Of course, as a retail trader, your algorithms are going to be worse than those of quant shops, and whatever model you use, they presumably see the same correlations as part of their ensembles and potentially exploit traders with weaker models. I still have a buy-and-hold account though. I try not to think about it, especially in times like these. I still buy positions of index funds along with stock trades to easily track performance in real-time, so I always have VOO, FXAIX, or QQQ positions. Also, there is absolutely no reason to buy individual stocks if you don't have a reason to think that your trades will outperform the index, unless you just like collecting shares of a specific company because you like the company. This is because any time you buy a company vs. an index fund you are assuming extra risk with less diversification for the potential of extra reward. Less diversification is the only way you can outperform. The only way to begin quantify that risk is to use data-driven algorithms. Ignoring that risk is fine if your portfolio is small compared to your salary, but losing money really hurts when that isn't true. TL;DR: I'm 40% cash/inflation-linked bonds right now which is a lot for me, because I'm convinced there is a modestly greater chance of more carnage ahead. I hate dividend stocks and bonds except for times like these. If I'm wrong, I still make less money with less risk; if I'm right, I get to buy great companies at even better prices knowing that this insanity won't last forever.
FXAIX for 40 years will fix you right up
FXAIX is Fidelity's equivalent of SPY. Low expense ratio index funds are the way
Both are fine. VOO allows for easier trading. If you don't need that, FXAIX *may* provide marginally greater returns.
I HAVE AND EVERYTHING POINTS TOO FXAIX😂😭 which is why me seeing people saying Voo is the better option makes me want to know why
Ask it why invest FXAIX over VOO and Vice Versa. Tell it to give it pros and cons… see how I’m doing this? Since you’re 18, continue to invest a little bit at a time and let it compound YoY for many many years.
Well ChatGPT is the one trying to get me to invest into FXAIX in fidelity for my Roth IRA
No one’s managing my account, I use fidelity, expense ratio is .015% for FXAIX which is why I ask cause Voo is .03%
VOO and FXAIX are very similar.. instead of looking at daily graph.. looke at 3 months to 5 year graph VOO is an ETF -- it's an index fund like FXAIX but you can buy and sell like a stock i day trade VOO pretty much.. since i don't like the risks of single stock and i don't like how i can only buy/sell at the end of the day with FXAIX
Robin Hood might be unpopular, but I like that I can dollar cost average literally a dollar at a time. So let's say somebody has $200 a month to invest. They could just throw it into VOO or FXAIX, but if they want to buy individual stocks, they can DCA $10 a day spread out over their favorites
I am 85% cash and 15% index funds (VFIAX and FXAIX). I am feeling the urge to get back in. My better judgment tells me to wait until mid-July when the tariff pause window closes. At 69 years old, I can't be driving over the speed limit in the passing lane. But the FOMO dynamic keeps pushing on the pedal.
1. Juat get rid of any stock under 3% of your portfolio. It's just noise. Keep FXAIX. 2. 59 isn't young anymore in the investing world. You really need to tailor your asset allocation. It's likely you'll need a hefty chunk in fixed income, probably like 30-35%. 3. I'd probably take the cash and do 30% BND, 50% FXAIX and 20% VXUS.
In a similar situation. My Roth IRA isn't invested. Just sitting there at like 2% growth. I was going to move it all to FXAIX (Fidelity's S&P 500 mutual fund). But now I'm going to wait.
I’d suggest just putting all the money into a total market and/or S&P500 fund. The target funds are usually a little too conservative for younger people and almost always have high fees. FXAIX for example is an S&P fund from fidelity that I invest in.
VOO is the S&P500. There's many funds that track it. https://www.fidelity.com/529-plans/overview open an account and buy FXAIX, which also tracks S&P 500. I hope education is still a thing in 18 years!
Can also buy SP500 index funds like SWPPX or FXAIX. They all track the same thing.
im not a fan of bonds until closer to retirement age. maybe when hes closer to say 50 he should go like 20-25% bonds individual stocks are much riskier i think his strategy of FXAIX and SWPPX is all he needs. investing in the S&P 500 through low cost mutual funds is a great long term strategy for retirement.
In my IRA, I have about 100k in FXAIX at Fidelity. What is the downside to moving all of it to Fidelity's Zero Funds like FNILX? I know that I must sell the FNILX fund if I want to transfer it to another brokerage fund. Any other downsides I'm not aware of?
FXAIX is an index fund (indexed to the S&P 500). Was your question if you should add another?
I don’t think that constitutes a huge mistake, but if it’s not a security you foresee trading on an active basis and want to just park an investment in a tax-sheltered account, then FXAIX is nearly identical and has a lower expense ratio.
In my Roth I have just been investing FXAIX. I was wondering if I should have an index fund in my individual account.
Who is the administrator of the stock plan you have for work? I would bet that they likely administer other accounts too. I use Fidelity for everything: Roth IRA, traditional Ira, 401k, HSA, money market account and individual brokerage account. Idk, it just makes it easier this way, and with fidelity you get access to Fidelity index funds with very low expense ratios, like FXAIX, which is pretty similar to something like VOO but with an even lower expense ratio. Robin blood works too, but sometimes there can be perks of keeping all your investing accounts with one brokerage.
You don’t need $3K to invest in the S&P 500 anymore! You can start with as little as a few dollars using ETFs like VOO or SPY, or even FXAIX if you're with Fidelity. Platforms like Fidelity, Schwab, and Vanguard now allow fractional shares, so you can invest whatever amount you’re comfortable with and still get exposure to the S&P 500. Since you’re investing for retirement, consider opening a Roth IRA or Traditional IRA and buying an S&P 500 ETF inside it. That way, you get the tax advantages too. Start now, even with a small amount. Time in the market beats timing the market!
I’m more in the thought that in the past 20 years 7-8 companies really contributed to Market growth. So having more exposure to the top companies like FXAIX. I would consider keeping your total index whichever is least expensive expense ratio keep it and sell the rest. I personally would be all in s&p but some like broad diversification. I find Commodities hedge against risk better than total market indexes. Something else to consider for growth potential is a QQQ nasdaq index tracker or mutual fund equivalent. This isn’t financial advice I’m just a funny man on the internet. Past performance isn’t indicative to future results.
So would I just sell all my current holdings in FXKAX and FXAIX and disregard my losses and then put it all in FZROX
FSKAX and FZROX are both total market funds, so they are invested in more companies than FXAIX (which is only invested in 500 companie). FXAIX and FZROX are therefore theoretically more diversified and a better investment If you plan on staying with Fidelity, go with FZROX. If you think you might switch brokers in the future, go with FSKAX.
Which fund would you recommend, FSKAX and FXAIX are basically the same. I’ve heard FZROX is best for Roth because of the tax free benefits
Good start. A little redundant but not “bad” - FZROX is the total US stock market - FSKAK is *also* the total US stock market - FXAIX is the S&P 500 which comelroses 80% of the total US market So at minimum you can exchange FSKAK into FZROX. Arguably you should drop FXAIX too. And there’s an argument for some international stocks too. The US is ~65% of the world market cap, so there’s 35% of the marketplace you’re not visiting.
I’ve been seriously adding to my VOO position as they’ve been dropping, and reducing my average cost basis by over $25. I was also able to do it to some degree for FXAIX (Fidelity’s S&P 500 in myRoth) as well.
Not much different. A solid portfolio of FXAIX and an international fund. I pulled out of bond funds when interest was going to go up and have been buying government individual bonds until they became risky. Now that money is in money market funds. That's the half I self manage. The other half is at Vanguard under PAS. It's a conservative 50/50 Bogle portfolio.
Not OP but maybe you can give me similar insight. 32 years old. Long in the market for another30+ Based on my available cash this is what I’ve been doing… 583 into FZROX MONTHLY 400 into FXAIX MONTHLY 50 into FSAGX MONTHLY 50 into FTIHX MONTHLY Should I start to rebalance this?
Look up brokerage-link on fidelity. It allows you to trade regular stocks using your 401k account. Personally I do a mix of VOO, FXAIX, and a few other big ones. I don't do individual stock investments using my retirement accounts, so honestly for me, even with all the craziness this year, I barely even took a hit.
I bought some recently, as well as FSPSX, to balance FXAIX somewhat during these uncertain times
I was 100% FXAIX when I was with Fidelity. Until I rolled it over to consolidate for retirement into VFIAX. I am retired and I am aggressive. I did get out of the market September 1, 2020, so I missed the bull run for 2021, but I 100% missed the 2022 pandemic collapse. I was nervous because retirement was closing in, and China Evergrande failure scared the crap out of me because of 2008. I still had a lot in my taxable accounts for 2022 though. I went 100% VFIAX February 2023. 2025 is not being fun. #47 and his sycophants and the Congress of Chaos are not doing America any favors.
My money is sitting in a money market gaining four percent a year. I moved out of all FXAIX when it dropped from 213 per share down to about 195. Didn’t wanna lose more. Any suggestions? Keep it in the money market or buy back into fxaix and wait for it to climb?
Help Choosing Between Two 457 Plans – Which Would You Pick? Hi all, I’m 29 years old, working a local government job for just over 3 years now. I’ve been maxing out my Roth IRA since 2019 and contributing regularly to my retirement. My job includes a pension (I contribute 8.25% of my gross pay) and I earn about $75K a year. I’m also enrolled in a high-deductible health plan (HDHP) and have been maxing out my Health Savings Account (HSA) — did so last year and am doing it again this year. I transfer my HSA funds to a Fidelity HSA and invest exclusively in FXAIX (Fidelity 500 Index Fund). I don’t use the HSA for medical expenses. Instead, I save all medical receipts and plan to use the HSA as a long-term investment vehicle for its triple tax advantage. Right now, I’m looking to start contributing to my employer’s 457 deferred compensation plan. For those who don’t know, a 457 is similar to a 401(k), but with a nice bonus: you can withdraw funds without the 10% early withdrawal penalty if you leave your job, though you still owe taxes. My employer offers two 457 plan providers, and I’m trying to decide which is better: Option 1: Nationwide • Admin fee: 0.30% • Best fund option (IMO): Fidelity 500 Index Fund (FXAIX) • Expense ratio: 0.015% • Effective cost: ~0.315% • Target Date Funds: 0.74% (plus admin fee) Option 2: Voya (CalPERS 457) • Admin fee: None • Best fund option: State Street Russell All Cap Index Fund – Class I (tracks Russell 3000) • Expense ratio: 0.21% • Target Date Funds: 0.22% I’m an aggressive investor and want to keep things simple with broad market exposure and low fees. I have no interest in Target Retirement Funds. Curious — if you were in my shoes, which plan would you pick? Is the simplicity and lower expense ratio of FXAIX worth the extra admin fee? Or would you take the no-fee Voya plan with the slightly more expensive Russell 3000 fund? Thanks in advance for your thoughts!
I currently pay an extra $1,000/mo toward principal on my 3.75% mortgage ($544k / 26 yrs remaining / $3,834 monthly PITI). I have been debating dropping the extra payment to $0. I know the math says my money is better off in FXAIX, but the mental boost of knowing I’m getting out of my mortgage nearly a decade early is nice too.
Yep, Vanguard’s ETF for the S&P 500. FXAIX is half the expense ratio of VOO, so it’s definitely less expensive to hold in the long term. I have FXAIX in both my Roth and employer’s retirement accounts. I have VOO in my taxable brokerage.
I guess you're pretty far in with FXAIX already - since it's a mutual fund, it has the potential to be less tax efficient than an S&P 500 ETF, like VOO. In an IRA, great, put FXAIX all day long. Since you already have so much in your taxable account though, I would be watching if they ever rebalance their portfolio - it could lead to more taxable income.
I bought apple because they will def get an exemption imo. Not that I got it at a great price, hopefully others will do better during a dip, but $40 less than what it was before all this started I'm doing DCA literally daily. Robinhood takes a dollar or three each for various stocks and FXAIX takes 10.
VOO/FXAIX/SWPPX all track the S&P 500, the largest 500 equity companies in the usa by market capitalization (shares x price). Alternatively VTI tracks the total usa equity market. If you wanted two holdings you could buy VTI and VXUS, the later tracks the total international equity markets. Or if you want just one single holding, VT tracks the total world equity markets. These are easy options for investing with diversification built in that you don't have to do anything extra for.
Oh okay, i have FXAIX option, you would have had some S&P 500 option too?
I have a boring investment strategy. 100% FXAIX in my Roth 401k. Always buying. I’m 23 with a 27% savings rate for it including 7% employer match. Don’t really have any 3-5+ year things to save for, so my future large expenses are in liquid HYSA earning 4.2% interest. Currently saving for my car hobby and next years vacation. Will probably start saving for a down payment fund sometime in the next year in an after tax brokerage account. I’m loving this downturn right now. Hope it keeps falling and crashing.
In the last few years, I started my first “big boy” job stepping into my career out of college. Based off my limited understanding of how things work, my 401k is set to a similar target fund of 2065 and my Roth IRA is set to invest mostly in FXAIX. Based on my limited understanding, the target funds are geared toward ‘When do you expect to retire?’ so generally I believe these are the funds you should think about setting your 401k on. I’m 26 so my 401k was auto set at 2065 when it opened up and I’ve left it there for now. Setting it to a date that’s further out means it will be more aggressive in its holdings now, and more conservative later. It is really up to you based on your age, where you are in your career, and how soon you plan on retiring. I’m curious on what others think for both myself and OP. Market goes up and down, just keep zooming out.
For 2025 50% money market with occasional options trades 20% FXAIX 15% FCNTX 14% AKREX 1% FBGRX
DCA into FXAIX the whole way down
An S&P 500 index fund. Vanguard offers VOO as an ETF, Fidelity has FXAIX as a mutual fund (little difference between the two). I put a few hundred into FXAIX each month to fund my Roth IRA. I should with a million or so (not including my work 401k). The beauty of the S&P 500 is that it readjusts the top 500 on a quarterly basis. So if a company bombs, they’ll soon be replaced by another with greater market value.
I was at work when all this shit happened, so I was blissfully unaware, but my FXAIX that I already had increased by 8.71% overnight which was a total of about 4% increase on what I already had.
This does not appear to be accurate. I personally own a Vanguard mutual fund, and I just checked if FXAIX was available to put in a buy order for and it is. My account not at Vanguard or Fidelity.
If you open a normal brokerage account, FXAIX pays dividends. Dividends are taxable events. You will be required to make estimated tax payments if you expect to owe the IRS the amount, as defined by the estimated tax sheet (1040-ES https://www.irs.gov/forms-pubs/about-form-1040-es). If you do not exceed the amount, or if you make extra withholdings with your company (by filing a W-4 https://www.irs.gov/forms-pubs/about-form-w-4) that will cause you to fall below the amount, you do not have to file estimated taxes.
If I open an account with Fidelity and then dump $1000 into FXAIX for example, I never have to pay taxes until I actually sell right? They I would owe capital gains taxes and need to pay estimated quarterly taxes?
I was halfway back in before today. When I saw the market was up 6% I put the rest of my cash into Google and Microsoft. Eventually I want to put it in FXAIX but that wouldn't go through until the end of market and I didn't want to miss the second half of the day. I figure the market is moving on sentiment right now and those are good proxies for sentiment. Right now I have bigger positions in them than I would like but once the volatility calms down I'll exit and move back into FXAIX.
I sold all the growth investments in my IRA February 11th and bought back in over the last two weeks while the market was crashing. I'm pretty ok with it. I got FXAIX, Microsoft, Google, Coca Cola, Caterpillar and Coca Cola Consolidated (little Coke) at great prices. The key is, if a president is talking about a disastrous economic policy they are going to do, you have to sell it before he puts it into effect, then buy when everyone else is freaking out.
I bought $1000 of FXAIX last night. I thought eventually it would go back up and the price showed good opportunity for gains. Feels good today.
As long as FXAIX recovers, I'm down. (VOO for you other folks! :)
You’re really young. Learning these lessons with small amounts of [temporary] capital loss is invaluable. FXAIX will recover in time, it’s a great mutual fund that tracks an index (S&P 500) that has gone up and to the right for like a hundred years. What you should try and do is buy more if you have savings to invest. Keep learning and investing!
1) Popular ETFs track diversified indexes. If you want to follow the S&P 500 (one of the most popular ones) then you can choose from SPY/VOO/FXAIX/SWPPX. They are different funds that track the same index, offered by different companies (SPDR/Vanguard/Fidelity/Schwab). If one of those matches up with your brokerage, go with that one. If not, and you can buy any of them, avoid SPY. It's fine, but it's more geared for people who want high liquidity for things like trading options. I'm assuming you're not wanting to do options. Other domestic offerings that can be considered would be things like VTI which is Vanguard's offering for a total stock market ETF. It essentially invests in all equity companies in the US market. Going a step further, VT is Vanguard's total world market ETF, so it includes equities world wide. All of this plays into how much diversification you want. There are also ETFs for things like bonds. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) has some listings of different funds they recommend, depending on if you want domestic equities, foreign equities, bonds, etc. 2) I'm not sure what you are referring to when you say automated. When you invest with an ETF, they manage their underlying portfolio and you don't have to do anything. That's why you pay them an expense ratio for owning the fund. They're going to get paid for their work. 3) For opinions on diversification, check out that bogleheads three fund portfolio page.
FXAIX at 24 is the best thing you could have done. Don’t worry
Lump sum tends to beat DCA but DCA minimizes risk. (https://ofdollarsanddata.com/dollar-cost-averaging-vs-lump-sum/ <- good article with more data on this) I don't know if you need to invest in SCHD versus investing in a growth ETF (ie more into FXAIX), at 22 it is fine to invest in growth and have the slightly higher risk.
Not to brag or anything but I sold 9k worth of FXAIX with a $215 NAV right after Trump won. It's 176 now haha I saved so much fucking money man. I usually dollar cost average and don't touch anything, but I KNEW that if he tried to do what he ran on everything would tank. Boy oh boy that paid off like a mother fucker. Frankly, for all the morons who voted for this idiot who are mad - eat shit and fuck your investments. You got what you voted for. I'm just gonna trickle money back into FXAIX every other day. It could totally still drop but even if it does at least I lightened the blow significantly. Maybe I'll buy an Ethereum since crypto tanked too, I'm on the fence really.
I just sold my IONQ so I could start DCAing it into stocks that have become much cheaper like SCHD and FXAIX
Feels cash money. Literally. Sold the entirety of my 401k FXAIX holdings on inauguration day.
I have $500 to invest in my roth ira to finish maxing it out for 2024. I plan on buying FXAIX. Should I just buy it all in one go today? Or do $100 a day for the next 5 days in case it goes lower? Or does it not matter either way because i have 40 years until i retire 🙃
thats only what I would do. $100k lump sum and DCA from there but you need to set your DCA amounts and be disciplined with them. Maybe $10k every Monday. That'll give you 40 weeks to get the entire amount in and if we have some large dips along the way, make some larger contributions. if we get back to ATHs, then I would stop the $10k. if you don't know how or what to invest, just pick the best index like FXAIX or FSKAX and let the market do its thing.
I would definitely move more into Europe/Int'l, I'd probably take 10% from FXAIX and 10% from "stocks", unless those are already int'l. Just me, but I'd keep the midcap even though you might be in for a rough ride.
I'm going to condense 30 years of investing into 5 easy steps: 1. Buy and Hold Growth. VOO and FXAIX both follow the S&P 500. Pick one. 90%. There are a variety of Growth funds out there. 2. 10% in a money market for emergency cash when needed. 3. Don't want to buy and hold? DCA each month for the next 30 years. Keep adding. DCA is not sexy and it's boring, but it does the trick. 4. Never. Ever. Ever. Sell. 5. You are 19. Go and live your life. **You got a second chance**. Go experience life's up's and downs. **Don't worry about the market.** As the years go on, keep embracing the laziness it takes to simply allow the magic of geometric progression, i.e. compounding, to quietly do it's thing. I really wish you good luck out there in life.
If you want a specific one to look at, try FXAIX.
For IRS purposes, the sale and purchase need to be “substantially different” securities. So you couldn’t sell FXAIX and buy VOO. You could sell those and buy something different VTI or VT though.
Buying on margin is a terrible idea, even more so since you're not experienced. Just use whatever cash you have and throw it in a Roth IRA with a S&P 500 equivalent ETF (FXAIX for Fidelity) and let it sit until you retire. Don't try to gamble because you'll likely end up losing.
So over the years I've bought handful of random stocks and whatnot. Does it make sense to leave those alone? Or would you sell (at loss mostly) and buy something else? Luckily my percentage leans toward etfs which Is my goal like vti and vxus as example. Vs say my 2 stocks of FXAIX and 5 of spy and 5 of Lowes etc
Without knowing your investing time frame or your financial situation, I can only assume your investment plan is longer than 10-15 years. The longest the sp500 has stagnanated was 2000 to 2009, meaning if you had bought at 2000 and never bought again it would've taken that long to recover. Sooner if you kept investing while it was low in intervals. Of course past performance does not equal future performance but that should give you an idea. You're going through something a lot of new investors experience, and it's completely understandable to feel stressed. First of all, you didn’t make a mistake by investing—you made a smart long-term decision, even if the short-term results feel discouraging right now. Your portfolio is down about 15%, which definitely hurts, especially since you waited a long time to take the leap. But the funds you chose—VOO, FXAIX, AVUV, and SCHF—are diversified, well-respected, and historically strong performers over time. What you're experiencing is a market fear, not a permanent loss, unless you sell now. It's unfortunate that you invested near a peak, but that doesn’t mean the market won’t recover. No one can perfectly time the market. Even professional investors get it wrong. Historically, the S&P 500 has always bounced back after downturns. Right now, the best thing you can do is stay calm and avoid making emotional decisions. Selling now would lock in losses. Instead, staying invested and continually investing is giving your portfolio time to recover is usually the best move.
Yes. Their native mutual fund for S&P is FXAIX, or you can buy an ETF like VOO if you prefer. No significant difference.
300 a week into FXAIX at age 50 FTW
Real talk - I'm a patient investor and only invest in Mutual Funds primarily maxing out my 401k & IRA. I obviously have no power over my 401k, but should I be selling my IRA or transferring funds into something specific? Right now I'm in Fidelity's 60% FXAIX, 20% FSMAX, and 20% FSPSX.
Like I am trying to DCA average between SCHD and FXAIX but kinda wanted to dive into the options world and see how things work out.
I think times like this show that having a more liquid version of an index like SPY is much better than something priced at the end of the session like FXAIX. Anything I’m overlooking here?
I consider myself slightly above the average American, blue collar no college decent union job family kids house car dog I have about 2k as a buying opportunity here and even that’s technically an Emergency fund but I’ll take to risk of using it I usually buy FXAIX , SCHD and just start a small position to “wheel” a individual company I’ll buy some individual companies her if they keep dropping, HOOD , PLTR(it needs to drop a lot more for me ) COST, NIVIDA, probably some QQQm’ maybe a few other TJX looks interesting to me here.. I did pretty well during the “covid crash “ as it was when I opted my Roth This is all in my ROTH again average American I don’t have the extra money for a cash brokerage yet at 33 I just started making good money And if that I would say the average American doesn’t even really participate in the market like I do , I do it for the hopes of passing something on to my kids I’ve yet to me a person IRL that I can talk Options buying/selling with
Yes, you go to Transact > Automate. You can search for the fund when you’re creating the automation, perhaps you already own FXAIX so its suggesting that.