FZILX
FIDELITY ZERO INTERNATIONAL INDEX FUND
Mentions (24Hr)
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Looking for some feedback on my planned portfolio as I start investing into my Roth at 35 years old
Would you say this is too much double dipping?
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
Thoughts on transferring my entire IRA allocation to another fund?
Was recommended by fidelity 100% of Roth into FDKLX
FZROX and FZILX 80/20 vs SPY QQQ SCHD long term
My mother, nearing retirement, has a 1% fee advisor managing her IRA, what are our alternatives?
Emerging Markets and International Equity Index Fund
Only now hearing about advice to not use FZROX in a taxable account - a few questions.
Rolling old 401k into IRA investment strategy
Starting my Roth IRA. 21 years old. How’s my portfolio looking?
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
36 years old - $1.35MM Net Worth - How would you optimize my wealth?
30 y.o what can I do to better my "portfolio" for retirement
Early 40's, Recent Windfall, heavy on annuities - Looking for advice on the below
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
How does my current Roth IRA portfolio look at 20 years old?
3-Fund Portfolio Comparison: Vanguard, Schwab, Fidelity
Advice for an overwhelmed 18-year-old! (Roth IRA's and more!)
10k sitting in savings + $200 a month investment advice
0% Expense Ratio Mutual Funds Vs Indexed ETFs
Looking for critiques regarding my portfolio, as well as advice on how to best invest a lump sum. Looking at things long term and trying to get myself set up the best I can
Using Fidelity Zero expense ratio mutual funds as a cash like position for trading
Mentions
I went with total world market funds. I seek to own all the stocks and not just the 500 biggest US stocks provided by the S&P500. Most of my retirement money is with Fidelity, so specifically FZROX (US) and FZILX (International) in my tax advantaged accounts and FSKAX and FTIHX in my taxable brokerage. Bonds. I hold a bond fund FXNAX now because I am about 3 to 7 years out from retirement and want additional stability. I also want a different asset bucket to sell from in my withdrawal phase in retirement. Bonds historically have a better return than cash and better stability than stocks. Bonds also are mostly negatively correlated with the market. When the market goes down bonds tend to go up (we didn't see this in 08'). That said I am still only 20% bonds and likely won't increase that much. If you are further away from retirement than me then run less to no bonds. If you are risk adverse than run some bonds. I believe that is about all the diversity that you need. Small 1 or 2% hedge with precious metals is fine I guess. Reits are probably okay if you rent but if you own your home you probably already are overexposed to real estate. TIPS have their place as an additional safe income replacement for early retirement. Want to take 1 or 2% of your net worth a pick a single stock or 2 go ahead, have some fun. Don't over complicate it. Professional teams paid millions fail to beat the market by picking. I am not better than them and neither are you. Buy low expense total market funds consistently from a young age and in tax advantaged accounts when possible. Add bonds as your age and risk tolerance changes. It will be boring and slow but you will get there. See r/personalfinance and r/Bogleheads for more information.
Thank you for your insight, sir. This is what I'm in the mix between and upped the international as what you said. 80% FZROX 20% FZILX Or 70% FXAIX 15% AVUV 15% FZILX
C'mon my man, you're a Fidelity guy. Your 3-fund should be: FZROX / FZILX / FXNAX 0 or low fee!
I like the Roth IRA plan. Maybe add a bit of International with FZILX 20% split. For the taxable brokerage account, maybe $22,500 into SCHD for dividend growth. Reinvest the dividends to watch it grow. Leave the rest of the money ($70k) in a money market fund for a condo or car.
You hold them at whatever the current market capitalization of US vs International is, at the moment it's about 60% US and 40% international so you would hold 60% FSKAX and 40% FZILX. This willcchange as the years go buy and you adjust accordingly, ideally you adjust annually at a predetermined date. I do it the week of Christmas every year. Check out /r/bogleheads for the reasoning/strategy behind this.
FSKAX is great, the only other fund you need is a total international like FZILX for a complete portfolio. You don't need anything else. If you accidentally make too much for a Roth IRA you just need to call fidelity or whoever the IRA is with and they'll withdraw all the contributions from that year.
Hi, I’m wanting to change investments from FXAIX to VT in my Roth IRA and was confused about wash sales and wanted to make sure I don’t trigger it. Currently I invest FZROX & FZILX in my HSA and VTI & VXUS in my Taxable weekly for both. Will selling my FXAIX in my Taxable account to buy VT trigger a wash sale as I’m buying similar funds in the other two accounts?
FZROX and FZILX are better because you pay no fees plus they perform a little better due to having less holdings.
Horrible for someone with 15 years until turning 60. Fire that guy. Just use FZROX at 70% and FZILX at 30%. Replace FZILX in 10 years with SCHD.
VT or VTI + VXUS. If you plan to only hold in Fidelity and a non tax account then you can use their 0 fee mutual funds FZROX + FZILX. If you only hold VOO then you’ll miss small/mid cap and international. I personally just hold VT because it’s a simple and covers everything.
The asset class allocations are fine. Some of the funds are fine. Some of the funds have high fees, for example the Strategic Advisors funds have a fee of like 0.5%, which is on top of the 1.5% management fee you're already paying. So that part of the portfolio is actually paying a 2% fee. Just to demonstrate the tyranny of compounding fees, a 2% fee on a $50,000 investment over 30 years would come out to ~$90,000. The strategies these guys employ also lead to a high turnover rate, which adds even more fees and even more taxes if the money isn't in a 401k. Investing is simple and there is no reason to pay high fees. For example a portfolio of 50% FZROX and 20% FZLIX would essentially replicate the equities portion of this portfolio, for a whopping 0.0% fee. And those are Fidelity funds. For the bonds portion you could just do FSNAX, another Fidelity fund that charges a 0.025% fee. They will tell you that their plan will beat the market. It would have to beat the market by more than 2% annually to make it worth the fees. It will not beat the market by 2% annually. It is far more likely to underperform the market than beat it by 2%. But probably it will more or less perform the same as the market. So just buy the whole market and don't pay fees. FZROX is the entire US equities market, FZILX is the entire international equities market, FZNAX is the entire US bond market. A great option is to simply buy a low fee target retirement date fund, such as FIOFX (also from Fidelity). This is a fund for someone planning to retire in 2045. It charges a 0.12% fee. It is currently at 53% US equities/37% international equities/10% bonds. This is sort of a catch-all risk allocation for somebody 20 years from retirement. If you are planning on retiring sooner, or if you just would prefer a higher bond allocation, take FBIFX or FIHFX. FBIHX is for someone retiring in 2040 and is currently 47% US equities/33% international equities/20% bonds. FIHFX is for someone retiring in 2035 and is currently 38% US equities/27% international equities/35% bonds. They all move heavier in bonds as you get closer to retirement, so FIOHX will look like FBIHX in 5 years and then like FIHFX in 10 years. They're all the same fund essentially just for different tome horizons. Another option would be Wellington Fund from Vanguard, a 65% equities/35% bond fund from Vanguard. This is an actively managed fund with professional managers making decisions instead of following an index, if that makes you more comfortable. It has a 100 year track record of great performance, and for investments of over $50,000 charges a 0.16% fee. This fund does not adjust bond allocation over time, so you would maybe want to reasses risk tolerance after say 10 years, which you can do by talking to an advisor who charges one time for a consultation rather than managing for a fee. Essentially, a 1.5% fee is fucking crazy. And recommending funds charging 0.5% fees is just bad advice. This is extremely common with managers though, if you try a different manager they'll basically do the same thing. Just buy the market, yourself, using uncomplicated investment vehicles you're comfortable with, for very low fees. I would only recommend an active manager if you think you're the kind of person who will see on the news that the market crashed, freak out and sell everything. But even then I'd look for a manager who builds you a simple, low fee, low turnover portfolio.
Add some **FZILX and you're set.**
I definitely echo your sentiment about the possibility of a future dominated more by International markets especially with everything that is going on right now in the country but since i don’t see myself retiring until like 65, my plan is so start at 20% FZILX and then slowly increase into it depending on how the trends are looking. Since you plan to retire in 10 years, i definitely get your move of investing much more heavily in international though.
Nice this is similar to what I do in addition to 2 more funds. But I do FZROX and FZILX in a brokerage as well
The best option is to complete divest from the US and Israel. I’m FZILX’d
Fidelity total market (FZROZ) and Fidelity international total market (FZILX). Recently I have been putting more in the extended total market (FZIPX) to diversify away from big tech. Wsb is a popcorn sub for me. I don't have the stupidity or balls to pick stocks or trade options.
At least do 7k in a Backdoor Roth with FZROX and FZILX. Whether it’ll continue to dip is anyone’s guess but time in the market beats timing the market. Don’t invest in those zero funds in taxable account though because you can’t transfer them if you decide to leave Fidelity.
The FZILX is up 30% 2025 and up ~10% ytd Tf you talking about?
FZROX (Total Market): Broad U.S. exposure. FNILX (Large Cap): Similar to S&P 500. FZILX (International): Foreign developed/emerging markets. FZIPX (Extended Market): Mid/small-cap U.S. stocks.
fidelity is solid for long-term investing but their active trader platform is clunky compared to IBKR or even schwab. the zero expense ratio index funds (FZROX, FZILX) are genuinely hard to beat. no other broker offers that. their cash management account is underrated too, basically a checking account with ATM fee reimbursement and automatic sweep into money market. where they fall short is options trading (the interface is painful) and real-time data (you need to pay for nasdaq level 2 separately). if you are mostly buying and holding index funds with occasional individual stock picks, fidelity is probably the best overall platform. if you are actively trading, IBKR wins on execution quality and commissions.
The logic is sound. You've already got S&P 500 exposure in the 457b so moving the IRA to FZILX for international makes sense. No point doubling up on the same index across two accounts. Don't try to time the switch though. You'll drive yourself crazy waiting for the "right" moment and probably miss it anyway. Just make the move and let it compound. The whole point of diversifying is reducing concentration risk, not timing currencies.
If you're 100% in S&P 500 you really want to move one account to FZILX, there's two ways to do it: 1. Put new money in FZILX. Wait for the scenario you're describing where S&P and FZILX are out of balance, and move the rest then, 2. Keep putting money in VOO and wait for that scenario. Maybe it happens, maybe it doesn't. I don't think there's anything evil about what you're thinking about. There just isn't any way to know a) whether the scenario will ever happen, or b) how it works out in the end.
To elaborate on this, OP, FZROX is a zero-expense VTI and FZILX zero-expense VXUS. As others have said, this combination gets you (nearly) every publicly traded company. The only caveat here is you’d have to decide what you want your US vs Ex-US allocation to be which would be avoidable with VT. Something to note, these are not ETFs like how the Vanguard funds are. You place a buy or sell order for however much in dollars or shares and buy/sell when the NAV changes for the trading day. ETFs (VTI, VT, VXUS, etc) are bought and sold throughout the day. If you automate investments and don’t plan to actively trade the Roth IRA (which shouldn’t be done anyway), this is a non factor but I know some people get antsy about it. Last, these are Fidelity-locked. If you ever want to move your Roth IRA elsewhere, you’ll need to first sell the shares of the funds before you move the money elsewhere and buy the other ETFs/index funds in the other broker. In a tax sheltered account like a Roth IRA, this doesn’t really matter. In a taxable brokerage, this’ll force you to recognize gains or losses and to pay taxes on those gains. All that being said, I love my Fidelity Zero holdings and would definitely recommend them so long as you have no plans to move out of Fidelity any time soon.
I do 70% FZROX and 30% FZILX and I'm up 23.96% over the past year and my all time return is 45.21% (been doing it this way for almost 2 years I think). Both of those funds are zero expense ratio funds and cover most the market, both domestic and international. Lately I've been thinking about adding a small percentage of SCHD but I'm not sure how best to work it in.
QQQI has only been around for 2 years, during a bull market for big tech stocks. It's volatile, but doesn't have a long enough history to reflect it. The dividends are just financial engineering. The underlying stocks they own generally don't pay high dividends, but the fund pays out their growth like dividends instead of capital gains. In an IRA you don't have a reason to care about the tax implications of capital gains vs. dividends. Returns are returns, and the difference between dividends vs. capital gains is mostly psychological, especially when it's investing in the same underlying companies either way. I'd say just stick with your original plan of FZROX and FZILX. Those are broadly diversified and FZROX will contain plenty of the same big tech stocks that QQQI is investing in, so you'll be exposed enough to that, without extra concentration in a tech fund. 70/30 is a reasonable ratio. Market cap weighting would probably be a little closer to the 60-65/35-40 range, but close enough, and nobody can predict the future and tell you exactly which ratio is best. At your age it's fair to go all in on stocks as long as you have the temperament to not panic sell when there's inevitably a downturn. As you get closer to retirement you'll want to think a bit more about value preservation. But even in retirement, the target date funds often want you 50% in bonds which I would consider too high. Target date funds can be a reasonable option, and better than a lot of the mistakes people can make if they get too involved, but I wouldn't consider them optimal.
Especially considering the last year performance of FZROX compared to FZILX.
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..
And I believe they pay dividends once per year (at least the FZROX and FZILX that I did) instead of quarterly or monthly
25 is not late. genuinely. someone telling you that at 25 is either 22 and feels clever or has never done the math on compound growth over 40 years. all three are fine, you won’t make a wrong choice. but if I had to pick for a beginner with $3k: Fidelity. the interface is cleaner for someone just starting, they have zero-fee index funds (FZROX, FZILX) which matter when you’re starting small, and their app is genuinely easy to use without feeling like you need a finance degree. just pick one, open the account today, put it in a broad market index fund, and set up automatic contributions. the broker matters way less than just starting.
All three are excellent. the difference between them is pretty marginal, and picking one and starting matters way more than which one you pick. That said, Fidelity has a slight edge for beginners: their zero-fee index funds (FZROX for total US market, FZILX for international) have 0% expense ratios and $0 minimums. hard to beat. Vanguard funds like VTI are the industry benchmark but Fidelity's equivalents are essentially free. Schwab is solid too. At 25 with $3k, open a roth IRA at whichever you like and put it in a single total market fund. you're not late. someone who starts at 25 and contributes consistently for 40 years ends up in a completely different place than someone who waits.
I personally love FZILX. I picked up my first and only load- thus far, on August 4th of 2025, so roughly 6.5 months ago, and have generated 21.77% return. The past year's return on the fund is 33.54%, which is great, but in previous years it did not perform nearly as well. But I believe international markets are going to start to flourish more. In the future, there's no saying what could happen; the world scale is quite volatile right now, but I think it will continue to do well. I only started investing 2 years ago, so I am not experienced yet. What I recommend investing in depends on your portfolio size, how long you want to hold positions, and risk tolerance.
How do you feel about FZILX? Do you think it will have an upside? What do you recommend investing in! New investor here.
If you are using Fidelity, I highly recommend FZILX as an international exposure MF. I agree with you on the 2nd sentence. Do you think an AI bubble could pop?
* Option 1: globally diversified (slight US tilt) * Option 2: US-only, tilt towards US LC blend, US LC value, and tech. Long term, the smart bet is Option 1. >FZROX and FZILX gives broader diversification including small caps and international Correct >SPY QQQ SCHD is more us focused with a heavier tech and dividend tilt Correct. There's no logical reason to tilt towards dividend stocks. And the tech tilt can be enticing but careful chasing recent performance >QQQ has historically outperformed in tech driven markets but with more volatility Correct. After dot com it fell 80% and didn't recover for 16 years. Would you be okay holding onto QQQ if something similar happened again? >SCHD adds income through dividends Technically, but who cares about income when you're not retired? >but can lag in strong bull runs Yes. It also just underperforms long term, period.
Fidelity. 0% fee total market funds (FZROX and FZILX) and automatic money market yields on cash (SPAXX). Upgrade to FZDXX (premium money market -- higher yield and lower fees) if you have $100k+ initial cash investment. Fwiw, Schwab has more history donating to Republicans (they also decamped from CA to TX), if that matters to you.
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.
Anyone's portfolio down for the last 30 days? 75% ETFs: FZILX, FSELX, FZILX, FZROX. 20% Mag 7/"safe" stocks: GOOG, NDVA. AMZN, NFLX 5% funny money: FSAGX, XME, MU, FBTC. Should I better diversify?
25k FZROX, 25k FZILX, 50k HYSA. 20k for home improvement, new car, speculative stock bets in the first year (pick one, this is the ceiling on your fun money). Then bleed the remaining 80k into the market 5k per month for 16 months into the two ETFS I listed at the start.
For the broad market, FZILX teasuries: BWX clean energy; PBD and KGRN I also have a stake in Nokia that I’ve had for over a decade.
Just do 80/20 FZROX FZILX
To specifically answer your question: FCPIX is an excellent fund. The expense ratio is high for two reasons, first it is an "actively managed fund" (meaning the experts at Fidelity are picking the stocks, as opposed to passively following an "index" like FZILX) and second because it has very high "turnover" (nearly 100%!) meaning the fund managers are constantly buying & selling (or "flipping") stocks to time the market. It's true that FCPIX didn't have a very good year in 2025 compared to index funds like FZILX or VXUS. In my opinion this is because "international value" stocks outperformed "international growth" during that time period. Therefore funds that focus on growth companies (like FCPIX) underperformed value funds last year. But if you "zoom out" and look at the big picture, you'll see FCPIX actually has an excellent track record that goes all the way back to the 1990s (and it does beat FZILX over the lifetime of the fund). I myself do not own any FCPIX. But I want to clear up the misconception that it's any kind of scam or ripoff. The fee is justifiably high due to the active management and high turnover. And the performance is excellent, in years when growth factor does well.
You could get rid of the bonds if you want but I'd just put the 5% in FZILX. You get bonds for safety and buying an individual stock is pretty much the riskiest thing you can do, so Coke is a bad substitute. If you wanted something that's still safer than equities but returns higher than FXNAX you could find some higher yielding bond fund (intermediate corporate for example) or maybe add a conservative balanced fund with 60% bonds and 40% equities or whatever numbers suit you.
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?
I have UTMA at Fidelity so I use their zero fees funds - 65% in FZROX (total US market) and 35% in FZILX (international) I don't see the point in bonds for a "fun" money account with long maturity don't forget to harvest gains at the end of the year - it's not a lot, but with a few clicks you can step up their basis just a bit
I was 70/30 FZROX/FZILX and moved to 55/45
That's total US market, not world. Cap weighted S&P 500 and total US will perform similarly because of the weighting. FNILX is the zero mutual fund that resembles the S&P 500. The share prices is completely irrelevant. You can invest in partial mutual fund shares no problem at Fidelity. I would suggest investing in total US and an international fund. For Fidelity mutual funds, that's FZROX and FZILX for the zero funds or FSKAX and FTIHX for the normal (still extremely low fee) mutual funds.
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.
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.
Steady as she goes, DCAing each month into the S&P 500, as well as buying FZILX for the no fee international index fund (always good to diversify a little).
FZILX + FZROX is the answer
* At about 25% international you're a little low compared to market cap (around 37% last I checked) and current common recommendations (30-40% of stock). * You could simplify the international into a single fund that covers both developed and emerging, but that'd give up your slight emerging tilt. VXUS, IXUS, FTIHX, FZILX to name a few that are free to trade at Fidelity. * What's your plans for bonds or similar? * Why have SCHG & SCHV & S&P 500 fund(s)?
Wow. That was a very helpful response. I appreciate it. Are there any specific Fidelity funds you’d recommend for the mid and small cap? Seems like some allocation of FXAIX (S&P500), FZROX (large, small, and mid), FZILX (International), and some small percentage of bonds would be good?
FZILX has netted me 20% since liberation day
>50% FZROX (basically VOO but no fees?) VOO + smaller US companies, but basically yes >20% FZILX (international emerging markets with no fees) emerging *and* developed markets >20% FTEC (fidelity tech etf) This is fine as long as you can stomach more volatility for a longer period of time >10% FESM (fidelity small cap) No need, since this is already covered in FZROX. Unless you're purposefully tilting towards small cap. Overall: looks good to me. I'd get into the market immediately. If you hadn't rolled over it's not like you would've moved all your 401k to cash.
International equities have the same expected return as US equities. Actually slightly higher because of risk premiums associated with value characteristics. Essentially stocks with lower P/E are expected to return more and international markets currently have lower P/E than the US market. So you can have lots of international exposure without losing out on growth. Anyway for market cap weights you would sell ~$350,000 of VTI/FSKAX/FXAIX and buy $350,000 of VXUS/FTIHX/FZILX. Note that while doing this is a good idea in general, doing it because of your personal feelings about the market is potentially a bad idea. If you stick with the allocation for the rest of your life then it's good. If you switch back to all US equities next time the US outperforms for a year then you will just uneerperform overall.
FZILX is proprietary and does not track the same index, althouh they are mostly similar. I believe FSKAX includes more slightly underperforming (now) small caps.
FXAIX and FZROX are essentially the same thing. They have an 80%+ overlap and performance wise basically just track each other. So for simplicity sake best to pick one, sell the other, and put the money into the chosen one. Needs more FZILX. Really al you need is FXAIX (or FZROX) and FZILX.
Hello! I am new to investing and am looking for advice on growing my brokerage account. Context: * I just turned 26 * I have $45,000 in my 401k, and I contribute roughly $14,000 per year to this (this is including my employer match) * I started a Roth IRA last year and maxed it out. I also have 2026 maxed out already. I would like to build on my brokerage account for more accessible funds. I have $90,000 in a HYSA earning 4% APY. This is my down payment fund (70k for down payment and 20k for an emergency fund) I use Fidelity and my brokerage account has $10k in it. This is what I currently have: * FXAIX - $4,600 * FZROX - $2,500 * NVDA - $1,300 * IDMO - $1,000 * FZILX - $700 Like I said, I am new to investing but know some basics. I really don't want to have to monitor this daily, so I'm looking for more of a set-and-forget. Thank you :)
All you need is FZROX and FZILX.
I'm with fidelity and currently in FBGRX, FZROX, FZILX, and FNILX. I know Financial planning is based on goals, i plan on retiring early, how early? That remains to be seen. I put about 65-70% of what I invest into FBGRX and the rest is distributed evenly. Is there a fund or other plan I should go with?
At your age, for a Roth IRA, the difference between ETFs and mutual funds isn’t that big. If you want to follow the Boglehead 3 fund, FZROX/FZILX is simpler and has no fees, but VTI/VXUS offers flexibility if you plan to move the account later.
Either one will work. FZROX / FZILX, VTI / VXUS, ITOT / IXUS (blackrock iShares), etc
>Initially I was leaning towards VTI/VXUS because ETFs are better for portability The Zero mutual funds would likely only add a market day or two to your move. That's so small I wouldn't worry about it. >and I like the ability to just sell during the day as opposed to waiting at the end of the day. For some people, that makes it more likely they commit a behavioral mistake. >However for FZROX/FZILX I learned that portability doesn’t matter as you can liquidate all the assets in a tax advantaged account before you move to another company. Correct. The performance difference between VTI/FZROX and VXUS/FZILX should be incredibly close to the point which is ahead may even trade places from time to time.
Fidelity. $600 in FZROX, $400 in FZILX. DO NOT TOUCH IT
RKLB. Dumped my FZROX and FZILX and bought RKLB when it was 6. Made a decent profit.
VXUS for ETF or the mutual fund equivalents like FTIHX, FZILX (Fidelity only). Those are all total market, I don't know much about specialized ones.
Okay, the comments aren’t really helpful technically, but also helpful realistically. So as a new investor myself, 2 things I learn are 1)high reward comes with high risk, but high risk doesn’t necessarily contribute to high reward. 2)Everyone has a tolerance, and the right approach is unique. So set your own expectations. Personally for me 12-15% annual return! I tried to test different approaches (whatever comfortable). I tried to DCA FZROX and FZILX and small cap FZIPX for some months, and I didn’t know the small cap and sold for like 2% profit. I also tried to high dividends stocks due to recent price sink, like UPS, target, and high reputation PEPSI, also came across Verizon and PFE. So for those stocks, I buy gradually as well, I only add more if they sink, and when they rise like 5% in a week or so, I’ll sell, cuz annual returns already past my expectations 12-15%! I did hold a couple of times, for example Pepsi, reached 7% in 2 weeks but 2% still before I sold after 3 months! You do the maths. All above just make me stay in the track! The bonus is when I trade coreweave! When they tank like 20% in a week, I started to buy little by little, and when it pops up, I sell after couple of days, once made 12% and another time 22%! So the key for my “day trade” is NOT greedy! Buy dip sell high ONLY! Hope it helps. Good luck to all of us in 2026!
There should be (at least essentially) zero overlap, as FZROX is US total market style and FZILX only covers outside the US. International small caps are missing, but those wouldn't receive much weight if they were present. You're a little light on the FZILX, as current global market cap for ex-US is between 35 and 40%, and common current recommendations I've seen tend to suggest 30-40% of stock be international. You aren't too far outside that though, so that's not too bad.
If you use Fidelity as a brokerage and plan to stick with them I can't think of any reason not to own their 4 zero ER mutual funds - FZROX, FNILX, FZIPX and FZILX. Sure there is some redundancy but you would have covered total US, Large Cap US, Mid and Small Cap US and the rest of the world in Developed and Emerging Markets. DCA'ing into those for the young is almost stealing compared to the options available say in the early 1970s.
To be clear, I don't think you need an advisor at all. I just don't get paying someone for their expertise and then farming it out to the Internet. Since you want the internet's opinion, I would put it in the lowest-cost indexes I could find, tracking 50% S&P 500 (FNILX), 25% International Stocks (FZILX), 15% US Bonds (FXNAX), 10% TIPs (FIPDX) and then I'd rebalance periodically. I noted Fidelity funds that track those but it can be any index.
I’m 80% FZROX 20% FZILX in the retirement account from a former employer, just left the money there since I like having access to those funds over my newer employers 401k choices. I’m basically 80/20 total market/international in 401k as well, just had to piece it all together differently and don’t get that sweet 0% expense ratio.
Yup, Fizzrocks is darn near a one-stop-shop fund. If one sprinkles in FZILX then you own essentially the entire world in 2 low cost funds. It's their best product by far IMHO
The TSP C fund tracks the S&P 500 index and the Fidelity equivalent is the Fidelity 500 Index fund ($FXAIX). The TSP S fund tracks the Dow Jones U.S. Completion Total Stock Market Index and the Fidelity equivalent is the Fidelity Extended Market Index fund ($FSMAX). The TSP I fund tracks the MSCI EAFE index and the Fidelity equivalent is the Fidelity ZERO International Index Fund ($FZILX) or the Fidelity Total International Index Fund ($FTIHX). The TSP F fund tracks the Bloomberg U.S. Aggregate Bond Index and the Fidelity equivalent is the Fidelity U.S. Bond Index Fund ($FXNAX).
Those are perfect, I’m doing 70% FNILX and 30% FZILX. I just prefer the S&P 500, but we’ll all end up in the same place, or very close to it.
50% FZROX, 40% FZILX, 10% hookers and blow
I own 4 stocks and 3 funds. C, ASTS, GOOG, RITM FZILX, FXAIX, SCHD
Why not FZROX and FZILX? (US domestic and international) I recommend checking out r/bogleheads, they have some pretty good set it and forget it advice, especially if you like low fee funds.
Because FZILX is a Fidelity-only mutual, it has a 0% expense ratio. So, say you wanted to leave Fidelity for whatever reason and held the FZILX in a taxable account, you would have to sell it before moving it to another brokerage. That would be a taxable event, so say you had $50k in gains, you'd have to pay the tax to move. VXUS is portable and is at most brokerages, so you don't have that issue. You can transfer in-kind to a different brokerage via ACATS. In a tax-deferred (IRA/Roth), you can sell with no tax consequences. So if you wanted to leave Fidelity, you could sell FZILX on Monday night, buy VXUS Tuesday morning (so you don't miss any market time), then do an ACATS transfer to a new brokerage. There's not much difference between the two, except for the expense ratio, so FZILX is slightly better. Think of FZILX and FZROX as the "loss leader" or "door buster" to get you in with the zero fees.
VXUS for taxable FZILX for tax differed (IRA/Roth)
Keep my job, keep savings rate high, keep investing in FSKAX/FZILX.
43 years old. 70% FSKAX, 30% FZILX. Simple as.
401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV
It's too much REITs. 5% or even 10% ok, there's some kind of noncorrelation to the market there which makes it arguably a good choice. 20% is too much. And you have no international which is a problem. I'd like something closer to 50% FXAIX, 30% FTIHX (or FZILX), 10% VNQ, 15% small/midcap (don't sleep on international small caps either), 5% bonds.
Hi guys, I made a Fidelity roth ira account recently. I am planning to do automatic monthly contributions and invest that money each month. What is the best portfolio I can have for investing in that account? I am 22 years old and just started my first full time job a few months ago. I want to do long term investing. At the moment, I'm inching towrds investing in index funds within the roth ira (70% into FZROX and 30% into FZILX). Or do you think I should invest in ETFs instead?
S&P there are many equally good funds. VOO, SPLG, FXAIX, they will all have the same performance. Pick the one with the lowest expense ratio. Same goes for international index. VXUS, FZILX, FTIHX, whatever is low fee, passively managed, and includes everything. Value funds look into Avantis and Dimensional. Dimensional invented small cap indexing and Avantis was founded by former Dimensional managers and both use similar metrics and philosophies. For a deep dive into small/large value funds comparisons check out [this article](https://www.paulmerriman.com/best-in-class-etf-recommendations-2025) and the attached video.
Money management tips: [https://www.reddit.com/r/personalfinance/wiki/commontopics/](https://www.reddit.com/r/personalfinance/wiki/commontopics/) Book suggestion: I Will Teach You To Be Rich by Ramit Sethi You will have plenty of time to invest after you graduate from college, right now you are investing in your education so you can get a well paying career. Stack as much cash as you can now in a HYSA. Cash is king for a new college graduate that may have a lot of expenses coming up (furniture, clothing for work, car, deposits for an apartment, etc). If you can graduate college with little to no debt and a good cash amount, you will be ahead of the game. When you are ready to invest I would open a Roth IRA with Fidelity and just do a simple portfolio: 80% Fidelity Zero Total Market Index Fund (FZROX) 20% Fidelity Zero International Index Fund (FZILX) [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds) The above is a global portfolio that includes large caps stocks (like those in the S&P 500), mid and small cap stocks, growth and value stocks, dividend stocks, tech stocks, international stocks. All that to say you would not need to add any other fund.
Mostly either RSSB or FZROX + FZILX (these 2 in a ratio that is within reasonable rounding range of VT: I believe VT is currently about 36 or 37% international, so I aim for FZILX to be between 35 and 40%).
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.
Posted. Largest absolute gains come from FZROX, ITOT, and FZILX, which are broad index ETFs. Next biggest winners are NVDA and IBIT, both stocks and calls/leaps
Money management tips: [https://www.reddit.com/r/personalfinance/wiki/commontopics/](https://www.reddit.com/r/personalfinance/wiki/commontopics/) I keep a Roth IRA at Fidelity (you must have earned income from a job to invest in a Roth IRA) and an individual brokerage account at Robinhood, my RH account is just for my "fun account" where I invest in individual stocks (I invest only a small portion of my money into the fun account). My Roth IRA I invest in broad based index funds (like FZROX and FZILX). [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds)
I generally recommend Fidelity over Vanguard because their interface, research database, trading tools, and customer services is significantly better on almost all fronts. Their fund selection is also excellent. That being said at the end of the day it's splitting hairs between Vanguard, Fidelity, and Schwab. I personally have FZILX as it is a zero-cost fund and compared to VXUS it tilts much more towards Europe than emerging markets which to me is what I want. If you think emerging markets is going to outperform then VXUS is probably better.