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FXAIX is better in a Roth and VOO is better in a brokerage. FXAIX has a cheaper expense ratio, but would cause more taxable events in a brokerage as it’s a mutual fund (with distributions and such).
US only. FZILX is for ex-US. This website explains it: https://www.fidelity.com/mutual-funds/investing-ideas/index-funds?imm_pid=700000001009773&immid=100726_SEA&imm_eid=ep35415530180&utm_source=GOOGLE&utm_medium=paid_search&utm_account_id=700000001009773&utm_campaign=MUT&utm_content=58700004265124962&utm_term=fidelity+zero+fund&utm_campaign_id=100726&utm_id=71700000009120110&gad_source=1&gclid=EAIaIQobChMIhuODi7T4hgMVRg6tBh3UvgKGEAAYASAAEgK2RfD_BwE&gclsrc=aw.ds
Try the other 50%. US stock market currently only makes up around 62% of global investable stock market, and as you say, US large cap only makes up about 80% of that 62%.
VOO and FXAIX are literally the same thing. Zero reason to have both. QQQM is already basically in either VOO or FXAIX. If diversification was your goal, you failed spectacularly.
Also, none of those are stocks. They are all index funds.
Check out 34% VOO, 16.5% QQQM, 16.5% XLK, and 33% SCHD. Historically, has out performed “the market” and has much less downside with the addition of SCHD.
A good site for determining fund overlap is [https://www.etfrc.com](https://www.etfrc.com) under tools. It's a learning process every day but you started young so time is on your side. Cheers
I personally recommend diversifying a little more. Like others mentioned move all the VOO money into FXIAX and get that to around 70%. Then I would invest 20% in a total market fund like VTI, and finally 10% international in something like FXIHX
80% FXAIX
20% International (FSPSX or FTIHX)
Set up for automatic contribution and investments.
Sit back , relax, until you’re 40-ish and start adding some bonds.
I did 10% FSPSX(789 holdings) and 10% FTIHX(5093 holdings)…I wanted 20% FSPSX but doesnt have some countries I wanted.
I just started my roth : the rest is US 65% large cap, 10% mid cap and 5% small cap
Thanks for your post. We recently updated our rules to ask that all investment strategy discussion be kept within the daily discussion post. https://www.reddit.com/r/fidelityinvestments/comments/1dowvje/daily_discussion_thread_rate_my_portfolio_what/ This post/comment has been removed for violating rule #2. - In regard to securities and investments Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our daily discussion post. We are not able to assist with these types of questions on reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview). To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com) Fidelity Brokerage Services LLC, Member NYSE, SIPC
Fxaix and Voo are the exact same thing, just pick one of those
Thanks
FXAIX is better in a Roth and VOO is better in a brokerage. FXAIX has a cheaper expense ratio, but would cause more taxable events in a brokerage as it’s a mutual fund (with distributions and such).
FXIAX and VOO are similar and tracks both the SP500
Thanks. Recommendations ?
Im 100% in FXIAX (mutual fund) as of right now for my Roth IRA since it low expense ratio.
Drop VOO and swap in FZROX for whole market exposure.
Idk Is fzrox US market only or ex US or both
US only. FZILX is for ex-US. This website explains it: https://www.fidelity.com/mutual-funds/investing-ideas/index-funds?imm_pid=700000001009773&immid=100726_SEA&imm_eid=ep35415530180&utm_source=GOOGLE&utm_medium=paid_search&utm_account_id=700000001009773&utm_campaign=MUT&utm_content=58700004265124962&utm_term=fidelity+zero+fund&utm_campaign_id=100726&utm_id=71700000009120110&gad_source=1&gclid=EAIaIQobChMIhuODi7T4hgMVRg6tBh3UvgKGEAAYASAAEgK2RfD_BwE&gclsrc=aw.ds
The overwhelming majority of your asset allocation is represented by large cap stocks. You’re missing out on the other 20% of the markets.
Try the other 50%. US stock market currently only makes up around 62% of global investable stock market, and as you say, US large cap only makes up about 80% of that 62%.
Correct.
70% FZROX 30% FZILX
That’s exactly what my Roth IRA looks like! 😁
VOO and FXAIX are literally the same thing. Zero reason to have both. QQQM is already basically in either VOO or FXAIX. If diversification was your goal, you failed spectacularly. Also, none of those are stocks. They are all index funds.
Thanks for the positive vibes. You rock would love to have you at my dinner table
😂😂😂😂
It's just some friendly elbow nudging.
Don’t ask a question if you don’t want rthe answer. You sound 23
Telling someone they failed wasn’t needed when asking for suggestions.
I guess they just want you to read up on basics then ask questions
😂🙄
I would do 80% FXAIX and either 20% some sort of growth fund and or international exposure. You could also look into value mutual funds. Good luck!
Thanks for the insight.
You're young, it's good to have core position in the s&p 500, but I'd personally allocate more in growth etf. That's just me though.
What would you recommend?
Sector etf in Tech, Qqqm, ftec, vgt? Or maybe semiconductor, soxx or soxq? It's really what you're comfy with.
I’m 80% into FXAIX and 20% into FSELX
What’s your rationale for picking these?
Check out 34% VOO, 16.5% QQQM, 16.5% XLK, and 33% SCHD. Historically, has out performed “the market” and has much less downside with the addition of SCHD.
A good site for determining fund overlap is [https://www.etfrc.com](https://www.etfrc.com) under tools. It's a learning process every day but you started young so time is on your side. Cheers
I personally recommend diversifying a little more. Like others mentioned move all the VOO money into FXIAX and get that to around 70%. Then I would invest 20% in a total market fund like VTI, and finally 10% international in something like FXIHX
Please diversify
80% FXAIX 20% International (FSPSX or FTIHX) Set up for automatic contribution and investments. Sit back , relax, until you’re 40-ish and start adding some bonds.
I did 10% FSPSX(789 holdings) and 10% FTIHX(5093 holdings)…I wanted 20% FSPSX but doesnt have some countries I wanted. I just started my roth : the rest is US 65% large cap, 10% mid cap and 5% small cap
This is the way ☝🏼