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Started By
Message
Fidelity Roth investment opinion
Posted on 7/26/24 at 6:40 am
Posted on 7/26/24 at 6:40 am
Started a Roth today through fidelity with $7000 max contribution. I would like a fund with good ROI with a low expense ratio. Any personal experiences on which fund etc…. To invest in. The $7000 will be non taxed income from the beginning so a Roth makes great sense.
I’m 45 will be contributing max every year. Already have 15% with 5% company match going into my 401K and I’ll be bumping that up to 25% next year or in 2026
I’m 45 will be contributing max every year. Already have 15% with 5% company match going into my 401K and I’ll be bumping that up to 25% next year or in 2026
12
Posted on 7/26/24 at 7:11 am to bulldog95
VTI and chill. Congrats on getting started.
Posted on 7/26/24 at 7:28 am to bulldog95
Fidelity actually has some zero cost index funds like FZROX
Posted on 7/26/24 at 8:19 am to bulldog95
All those Fantasy Football winnings, eh? 
You'll get a million responses here. Depends on your risk tolerance, timeframes, etc.
I'd consider mixing it up a little, maybe between a few funds that focus on different sectors of the markets.
The "fire and forget" logic would be to put it in an Index Fund based on a broader market like the S&P 500. Like Vanguard S&P 500 ETF (VOO). I personally have quite a bit in Fidelity 500 Index Fund (FXAIX).
Now, here's the rub. There's going to be a lot of short-term volatility in the market through the fall. There's already a correction going on in the S&P 500 as it's top heavy with large tech companies like NDVDA, MSFT etc. LIkely strong long-term outlooks but be prepared for some dips.
I like VanEck Semiconductor ETF (SMH) for some exposure to the tech sector and taking advantage of the AI markets. Great longer term track record. 26.71% annualized return over the past 3 years.
Maybe some exposure to the potential trends in Mid/Small Cap markets. I've taken a position in Pacer US Small Cap Cash Cows 100 ETF (CALF).
You'll get a million responses here. Depends on your risk tolerance, timeframes, etc.
I'd consider mixing it up a little, maybe between a few funds that focus on different sectors of the markets.
The "fire and forget" logic would be to put it in an Index Fund based on a broader market like the S&P 500. Like Vanguard S&P 500 ETF (VOO). I personally have quite a bit in Fidelity 500 Index Fund (FXAIX).
Now, here's the rub. There's going to be a lot of short-term volatility in the market through the fall. There's already a correction going on in the S&P 500 as it's top heavy with large tech companies like NDVDA, MSFT etc. LIkely strong long-term outlooks but be prepared for some dips.
I like VanEck Semiconductor ETF (SMH) for some exposure to the tech sector and taking advantage of the AI markets. Great longer term track record. 26.71% annualized return over the past 3 years.
Maybe some exposure to the potential trends in Mid/Small Cap markets. I've taken a position in Pacer US Small Cap Cash Cows 100 ETF (CALF).
This post was edited on 7/26/24 at 8:21 am
Posted on 7/26/24 at 8:52 am to bulldog95
QQQ has been very good for me.
Posted on 7/26/24 at 8:58 am to bulldog95
I’m in FBGRX and it’s been good to me.
Posted on 7/26/24 at 9:07 am to bulldog95
Give these a look:
FZROX (14% 5 year average return) and FNILX (15%) are zero expense
There are 2 other zero expense funds, but I don't think they are as good
FSKAX (14%) and FXAIX (15%) are 0.015% expense
Log into the Fidelity Web site
Click "News and Research" Tab, in the center of the top ribbon
Click "Mutual Funds", the 5th line down
Set Key Criteria to "Fidelity Funds", in the center of the screen
Set Expenses to "low", on the right hand side
Set transaction fees to "zero" at bottom of screen
Click "View Funds"
When the spreadsheet comes up with the funds
Click on the expense ratio tab to sort spreadsheet from lowest expense fund to highest
Scroll down list looking at the "5y return" or "10y return" or "life of fund return" percentage
FZROX (14% 5 year average return) and FNILX (15%) are zero expense
There are 2 other zero expense funds, but I don't think they are as good
FSKAX (14%) and FXAIX (15%) are 0.015% expense
Log into the Fidelity Web site
Click "News and Research" Tab, in the center of the top ribbon
Click "Mutual Funds", the 5th line down
Set Key Criteria to "Fidelity Funds", in the center of the screen
Set Expenses to "low", on the right hand side
Set transaction fees to "zero" at bottom of screen
Click "View Funds"
When the spreadsheet comes up with the funds
Click on the expense ratio tab to sort spreadsheet from lowest expense fund to highest
Scroll down list looking at the "5y return" or "10y return" or "life of fund return" percentage
This post was edited on 7/26/24 at 9:33 am
Posted on 7/26/24 at 9:33 am to bulldog95
FXAIX
Posted on 7/26/24 at 10:23 am to bulldog95
I’m going into with my 401K . The available options are limited and right now I’m not going into target date index’s
FID 500 index
VANG small cap indx inst
AF blended fund
FXAIX
VSCIX
RLBXG
Only other options were AF target date and theses
Pdgix
Vmcix
Rmpgx
Sgisx
FID 500 index
VANG small cap indx inst
AF blended fund
FXAIX
VSCIX
RLBXG
Only other options were AF target date and theses
Pdgix
Vmcix
Rmpgx
Sgisx
This post was edited on 7/26/24 at 10:31 am
Posted on 7/27/24 at 8:19 am to bulldog95
They have low cost versions of the s&p500 that are exactly what you are asking for.
Posted on 7/27/24 at 6:40 pm to bulldog95
quote:
s&p500
Posted on 7/30/24 at 9:23 am to bulldog95
I have some VOO and QQQ. If you're going to be a long-term investor and like QQQ, look into QQQM. Exact same fund but since it's not traded as much, the expense ratio is a tad lower.
Not sure I understand this comment about non-taxed income from the beginning. The contributions to ROTH are made after-tax. Are you saying that you could potentially make a pre-tax contribution but think tax rates will be higher in the future, so you'd rather pay the tax now versus waiting until you're retirement age? If not, then maybe a traditional IRA would be better.
quote:
The $7000 will be non taxed income from the beginning so a Roth makes great sense.
Not sure I understand this comment about non-taxed income from the beginning. The contributions to ROTH are made after-tax. Are you saying that you could potentially make a pre-tax contribution but think tax rates will be higher in the future, so you'd rather pay the tax now versus waiting until you're retirement age? If not, then maybe a traditional IRA would be better.
Posted on 7/30/24 at 12:31 pm to Bacchus
quote:
Not sure I understand this comment about non-taxed income from the beginning
Under table
This post was edited on 7/30/24 at 3:21 pm
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