FXAIX

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

Admirable-Ad-8402

75% to living expenses. 15% to S&P 500 investments (ex FXAIX) 10% emergency funds Pay off your credit card every month Buy transportation you can afford and don't finance it if you can avoid it Live within your means. Live your life. Enjoy.

Admirable-Ad-8402

If you want to be a passive investor and just leave it somewhere to grow I suggest low fee ETFs such as FZROX or FXAIX. Check out an investment calculator (https://www.calculator.net/investment-calculator.html) to understand how that investment might grow over time. If you assume ~10% growth with an initial investment of $110k after 20 years you could be sitting on $740K.

AllTooHumeMan

My advice would be not to spend any of it. You are very young and even without adding any more money to it, it could turn into a substantial fortune for you near your retirement years. In fact, you could even retire much earlier than the standard retirement age if you invest it correctly. If I were you, I'd put most or all of it into an index fund that tracks the S&P 500. This will help you diversify without having to pick your own stocks. Depending upon witch company your funds are held with you may have some different options. Fidelity offers their FXAIX, Schwab offers their SWTSX, JP Morgan offers their JPUS, etc. Without getting into too much detail, these funds are very similar in the companies they hold, are diversified, US focused, and have low costs or expense ratios and are perfect for parking your money into for decades of low risk growth with little or no involvement. You can also choose a Vanguard fund such as VOO or VTI which should be available through most investment companies which offer similar holdings and expense ratios. Good luck, youngster.

Kqzxh-900355

All good. If you’re new, then the simplest (and actually the best) is to invest in an index fund called VOO or FXAIX

Several_Vanilla8916

I’ve always been on team VOO (okay technically FXAIX but you get the idea)

options-tradin

Is it redundant to own VTI and VXUS and still have FXAIX and FZILX? Trying to rebalance my Roth portfolio. Mostly own vti and vxus and have some shares of FDEGX. Not sure if i should swap it for FXAIX and FZILX or just sell and put the money into VTI/VXUS.

2020R1M

Would’ve been down like 40% on RDDT, but I completely forgot I set a stop loss at my average price when I was getting fed up with the volatility. I decided to look at my fidelity account after the massive dip we just got expecting to see an insane loss, only to be surprised I didn’t lose anything. I could not believe I forgot I did that. I’m still happy. Threw it all into FXAIX after that scare.

JojoAnthony

I want to start investing in gold and silver. I've seen different ETFs thrown around like PHYS, GLDM, GLD etc. If I want to invest in gold and silver in a brokerage, roth ira, and 401k which ones should I buy? Assume I have very little tax knowledge. I plan on holding it long term. what percentage of my portfolio should these be? My brokerage is 100% VT. My roth ira is 100% FXAIX. My 401k is 60% SWPPX, 30% SWISX, and 10% SCHE.

CarnageAsada-

Possibility but I’ll stay diversified with my FDKLX in ROTH IRA and just push FXAIX/FSPSX in my 401k Roth w match 😂

CarnageAsada-

Sp500 is bloated with AI bs. The whole thing is being held up by 8-10 top companies, those go down and ifs a wrap for a long time. A diversified target date or even making your own three part portfolio is the better way but to each their own. I do both target date fund for ROTH IRA and 80% FXAIX/20% FSPSX in a matched 401k Roth.

FishermanOk4659

FXAIX is the same 500 companies, just offered by fidelity and has dif expense ratios. Actually considered better for what your son’s doing.

Mom-Of-2Boyz

What are your thoughts on FXAIX? My 19 year old is putting in $40/week into that.

Zann77

FXAIX is excellent. When you get more comfortable with investing, look at FSELX-a semiconductor mutual fund. Luckily for me, someone bought it for me 20+ years ago and it has grown enormously. If you want a semiconductor ETF, that would be SMH or SOXX.

CrackofDawn05

You're on the right track, keep DCA'ing (dollar-cost average, means to invest a set amount every week / month and NOT based on if you think the market is going up or down.) Almost NOBODY knows where the market is going, just that it tends to trend upwards over time. Best way retail investors like us is to learn and stay invested within your risk tolerance. Also if you in Fidelity, in the long term look into the FXAIX it has lower fees than the SPX. They both track the S&P 500, the FXAIX is just a mutual fund from Fidelity specifically, but only really matters in the long run or for a large invested amount. Starting early is the best way to let your dollars compound over decades, while continuing to expand your knowledge of stocks. You got this!

Skidpalace

I just moved most of my money out of the US stock markets and into international funds. Compare FXAIX or FBGRX to FSPSX.

svmmerkid

I have really great positions in a personal brokerage, i.e. $35,000 in NVDA that's up like, 850%. Does it make sense to sell some of that in order to max my Roth IRA for the year? My thinking is that my personal brokerage is so unbalanced that it's a good way to hedge against risk, but is cashing out when I bought so cheap, just to invest it in something like FXAIX in my Roth, a stupid idea?

Admirable-Ad-8402

FXAIX or FZROX or 50/50. Low fees and a nice spread across the market. Let it roll!

ParticularInitial147

I use 100% FXAIX in a 401K from a previous employer.

Phuffu

For 99% of investors, it doesn’t matter if you own VOO, IVV, or FXAIX. For all intents and purposes, they are the same thing.

KumingaCarnage

Jeez $1500 in fees?! How many shares did you have at the time? Idk how I’d go about rolling over to FZROX since all I’ve got in FXAIX in my ROTH IRA

pinprick58

I agree most people should have the majority of their money in the S&P. However, you should look at Fidelity's FZROX. It is the same exact holdings as FXAIX but has **zero fees**. It was started by Fidelity to entice people from other brokerages to move their money to Fidelity. I switched mine to FZROX last year and saved $1500 in fees.

KumingaCarnage

What are you even trying to ask? Look at the last thirty years. Despite the dot com boom, the 2008 recession, Covid. The S&P 500 has held steady and grown no matter what and will continue to grow. FXAIX and chill.

bad_detectiv3

Does this mean the index ETF like SPY will be forced to buy space x shares and for the first five month, it should be business as usual And on the sixth month, best practice is to sell SPY holding like SPDR or FXAIX to avoid becoming generational bag holder?

Ok_Assignment4100

I get where you’re coming from on factor tilting — small‑cap value and quality/profitability tilts have strong academic backing. If my 401(k) offered low‑cost factor funds, I’d definitely consider adding a tilt. But my plan’s lineup is pretty limited. The cleanest, lowest‑cost options available to me are: * **FXAIX** (S&P 500 index) * **FSPGX** (large‑cap growth) * **FSMDX** (mid‑cap index) * **FSPSX** (international index) Given that, the most rational approach is to build a simple, diversified, low‑cost portfolio that approximates total‑market exposure. I’m not avoiding factor tilts — I just don’t have the tools to implement them properly inside this 401(k). If I ever want to tilt toward small‑cap value or other factors, I’ll do it in my Roth IRA or taxable account where I have access to the full universe of ETFs. For now, I’m sticking with a straightforward, behaviorally sustainable allocation that fits the constraints of my plan.

SeanWoold

I'd love to see that too, but VTI and VOO are probably already bottomed out. I don't know that I have ever seen an ETF below 3 BP. The only mutual funds I've seen below that are FZROX and FXAIX but those are loss leaders.

KumingaCarnage

lol, i just keep it simple between those three and well FXAIX and FSPFX are mutual index funds; those stay in my Roth IRA. overall since the last week im down $3000: but im still gonna buy some more tomorrow

KumingaCarnage

Honestly yeah idk why everyone is panic selling this shit was expected for awhile. Times as good as any to buy buy buy, don’t try to time it either just fucking buy. I’m all in on FSPTX, QQM, FTEC in separate accounts , also keep my bread and butter 75/25 FXAIX/FSPFX

groceriesN1trip

FXAIX doesn’t distribute capital gains anymore. They changed a handful of years ago.

Responsible_Knee7632

That’s why you buy FXAIX in a tax advantaged account and VOO in your taxable one

CryptoeKeeper

Most of my 401K is in FXAIX as well. It's better than my TDF option

Familiar-Stranger172

Fidelity 401k user here, 27 years old. Here's my allocation: \- 50% FXAIX (S&P 500) \- 25% FSGGX (international) \- 10% FSMDX (US mid cap) \- 5% FSSNX (US small cap) \- 10% company stock Mind you, this portfolio is paired with a roth IRA that is 100% pure VT etf.

leftlanespawncamper

Why VFIAX instead of VOO/SPY/FXAIX/etc? Is the issue the fees or that you want to change from being invested in S&P 500 to bonds?

1kpointsoflight

Don’t try to pick the needle in the haystack buy the whole haystack. I put 500k in FXAIX at begging of 2022…. Wasn’t good but i just let it ride and it got good.

Spare_Ad8851

FZROX and FXAIX are very similar as S&P500 is a big part of the total market, so you are not missing anything either way. It's 100% equity either way, so as aggressive as you can be kids have a $1,300 standard deduction, so they can realize up to $1,300 in passive income per year without filing returns or paying any tax. Some of that space will be taken out by dividends, but, depending on your balance, you can have some more tax free space left at year end. So you can sell your investments and buy them back the next day. Say you have $5,000 invested, they earned $250 in dividends throughout the year and also appreciated to $6,000. At the end of December you sell your FXAIX and buy it back, realizing $1,000 in capital gains and stepping up the cost basis to $6,000. Since the child's total income for the year is below $1,300 they don't have to pay anything

FunConcert1690

What do you mean by harvest gains? I’m not familiar with this term. Also, my Roth is currently set up with 80% FXAIX, 20% FZILX. I know this is a highly aggressive mix, but would you think being that aggressive with the UTMA is a bad idea? Having my Roth set up like this has done really well so I was originally planning on mirroring it for the UTMA. FZROX does offer better diversification with zero fees, do you feel like you are trading zero fees for less growth though?

decolored

Put 150 of it in cds for no risk gains of 4% every 6 months. Put 50 of it into medium risk mid caps with potential to outperform (with good DD) Put another 50 into VOO or FXAIX for large cap exposure with low expense ratio

TT_Vert

Thank you for taking the time to reply. I have been watching many vids and what confuses me in [this video ](https://www.youtube.com/watch?v=7a0BRIAufBA&list=PLVCuZ_bU6InHmD1FSWqzrTeyU5RkJQqVF&index=6) is he is always using the value at the expiry date of the contract, never implying that at any point the buyer could call away the shares. This is my grey area on when a buyer decides to take their profits and call a contract vs. letting it ride to expiration. Maybe he is just doing this for ease of calculations/illustration? Sorry, I did mean to say buyer. As I said I'm very new to options and just exploring options. I have some stocks that I plan to hold until retirement (20 years) and i'm looking to just make a little more return on them. In a roth I hold a decent about of FXAIX that I was considering moving to SPY so I could do some long calls on them for just that purpose. **Doing the math.** FXAIX is up over SPY about .05% over the last 5 years and the Net expense ratio is .0015 for FXAIX and .009 for SPY. That puts FXAIX ahead by .075% to begin with. That's only $75 on 10K so not much. **Correct me if I am wrong but, tthe financials look like this based on current SPY options chain 5/15 740 strike price (I think?).**    **If it is called away** **on 5/15** * Sell 100 shares at $740 strike price May 15^(th).  $4.59 $459 * Profit to $740 ($740 strike price-$691 price at time of purchase) $490 **Total profit:** (If called away): **$5,640**  Note: I do understand I am capping my upside here, but this is also being done w/ the assumption the S&P 500 is going to be stable or or at least not up over 7.5% by 5/15. (if option expires worthless): **$459** for a return of (.6% gain, annualized 2.14%) for doing nothing w/ something I am already holding.  I'd love options on this though process. It feels like it's a win win for me w/ a slightly capped upside but at least a 2% annualized profit. I do understand that if SPY went up 10% 3 months then I'd be out that 2.5% difference of course. Thanks much, Dave

CarnageAsada-

Hey man I felt that I’m doing 100% FXAIX 😂

LongroddMcHugendong

I put half my 403b into FTIHX and frankly I’m thinking about moving the rest (it’s still in FXAIX tracking the S&P)

Inevitable_Pin7755

With a 7 to 10 year horizon and only 66k, the bigger risk is a large drawdown right before she needs the money. FXAIX is not bad, but 100 percent equities at 62 can be stressful if markets drop 30 to 40 percent at the wrong time. Since the house is paid off and there is Social Security coming in, she does have some buffer, which helps. Still, I would think in terms of balance rather than all in or all out. Something like a simple split between equities and safer assets could make sense. For example, 50 to 60 percent in a broad equity fund and the rest in bonds or cash equivalents. That way the money can still grow, but a bad market year does not completely derail things. At that age, peace of mind matters as much as maximising returns. A plan she can stick with during volatility is usually better than the theoretically optimal one she might abandon at the worst time.

Bush_Trimmer

gemini has a good "risk assesment for an investor of fxaix with 7 - 10 yrs before retirement" snapshot of the summary is below. "If you are 10 years out: Being 100% in FXAIX is aggressive but common for those with high risk tolerance. If you are 7 years out: It is time to start "locking in" some gains. Moving 20–30% into more stable assets (bonds/cash) can act as a shock absorber."

FaithfulGaurdian

The SP500 has recently been slowing down due to growing concerns about an AI bubble as institutions have been pivoting away and into precious metals and international equities. I would recommend diversification and I personally would not put all of it in FXAIX. International equities in the past year have been on a tear and I would suggest some allocation into that. If she's with Fidelity, they offer FZILX which broadly tracks international equities and has an expense ratio of zero. They also offer another mutual fund with an zero expense ratio FZROX to track the whole US market if you're interested in expanding into midcaps and smallcaps.

p3dal

Just switch to an international index fund. They're already outperforming the SP500. [https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPSX](https://portfolioslab.com/tools/stock-comparison/FXAIX/FSPSX)

ciferite

There's still a lot of overlap here. FXAIX, FSKAX and FNCMX all have the same top mega cap companies taking the majority of the weight. 90% of FXAIX is in FSKAX as well. You're basically investing in the top mega caps 3 times. A better way to diversify would be to do: 50% FXAIX 10% Mid cap etf 10% small cap etf 30% FZILX For the mid and small cap, you can find one that seems good to you. AVUV is a good small cap etf that a lot of people recommend. But you have fidelity mid and small cap funds for very low exp ratio. This way, you have no overlaps and have exposure to mostly everything. This is a simple "set and forget" portfolio for roth ira. Hope this helps.

u_spawnTrapd

Looks like you’re off to a solid start for growth at your age. I’d just keep an eye on overlap between FXAIX and QQQM both lean heavily on large cap US stocks so shifting a bit toward broader or international exposure can make sense if you want diversification without overcomplicating things.

u_spawnTrapd

Looks like you’re off to a solid start for growth at your age. I’d just keep an eye on overlap between FXAIX and QQQM both lean heavily on large cap US stocks so shifting a bit toward broader or international exposure can make sense if you want diversification without overcomplicating things.

Emergency_Tap6904

As a fellow Turkish friend, I want to share my personal experience from this year when I bought a house. I purchased a home with a 3% down payment, which is very low. People usually recommend putting at least 20% down to avoid PMI, but my mortgage rate was 6.75% at the time. Now I’m about to refinance and lower the rate to 5.75%. I would still suggest buying a house and not being afraid of the housing market—rates are dropping. Of course, this only makes sense if the housing market is affordable in the state where you live. California and Massachusetts were far too expensive for me, so I had to move out of those states. Because of that, I chose to put the minimum down payment and invest the rest of my money in ETFs like FXAIX, FSPSX, FSELX, and REMX. They performed really well last year. I didn’t want to lock all my money into housing, but this really depends on the person. Some people feel more comfortable with lower housing payments and don’t care much about investing because it doesn’t feel safe to them. And if your parents does not spend their rent and pension from Turkiye, then make them put the money in Faiz Korumali Hesap. It still performs relatively when even when you consider USD/TL movements. It is relatively safe and will pay so much better than HYSA accounts here. My suggestion is to divide the money, and find a healthy spot with mortgage payments you are comfortable with and invest the rest of the money. Kolay gelsin

paragonx29

True. I own both FXAIX and FZROX, and they have nearly identical returns.

Whiskerdots

Fidelity's zero fee index funds like FZROX are the ultimate set it and forget it investments. FNILX gives the same exposure to large caps as FXAIX but without the fees.

moSNAP

If you are a penny pincher instead of VOO or IVV, go SWPPX if you're at Schwab or FXAIX if you're at Fidelity 0.02% SWPPX/FXAIX vs 0.03% IVV/VOO Mutual Funds give less anxiety, imo and you can just buy plain dollar amounts. The con is you won't get updated prices until later on in the day.

LuckyScale6649

no plans for bonds at this age may be in 10 years At some point advisor was managing at SC so he bought all of these..then I moved everything at Fidelity...so kept these...these days I'm just contributing to FXAIX

Relevant-Ad4735

FXAIX and SWPPX are the same thing. Consolidate into one (expense ratios are identical so it doesn’t matter). Some will tell you to put all your money in the S&P 500 which historically would work fine but if you’re like me and you like the peace of mind of being diversified it’s nice to have the international, emerging funds on a small scale (I would stay at or under 20% in those). As far as the growth and value goes those funds are just attacking large cap stocks with different goals so keeping those at a small portion won’t hurt. Keep grinding.

Chiethe

I'm a few years older than you (30) but I'd prefer more diversification than just straight FXAIX, so between the two I'd choose FFNOX. Bonds are beneficial if they align with your general sentiment on risk (how well would you stomach a 25% correction or an 18 month bear market?), or anticipate a market correction in the coming months and you would reallocate those into equities. I'm pretty risk tolerant so my retirement accounts are 100% equities at this point.