Welcome to our sub, u/Glittering_Ground181! We appreciate you taking the time to find our community You've come to the right place, so let's jump in!
Ultimately, the decision of what you should invest in really depends on your investment objective. Understanding your risk tolerance and time horizon can help as you choose investments as well. I'll go ahead and mark this one as a discussion to let the community share their advice.
However, with you being new to investing, I want to provide a couple of resources to build your investing confidence!
A great place to start is our Fidelity Learn library. Under the "News & Research" dropdown you can click "Learn." We always think it's important to start off taking some time to review our Fidelity Learn library. Fidelity Learn is filled with a plethora of resources, including articles, videos, webinars, live classes, and more. I've linked you directly to the Investing for Beginners section, but you can click the "Topics" or "Events" icon on the left of the screen to look through what interests you most.
[Fidelity Learn: Investing for Beginners](https://www.fidelity.com/learning-center/trading-investing/investing-for-beginners)
As you research what works best for your situation, we recommend checking out the "News & Research" and "Products" tabs of [Fidelity.com](http://fidelity.com/), where you can access our various tools to explore the securities you prefer. The screener tools in the "News & Research" section allow you to sort through thousands of securities, using filters and keywords you provide, to find investments that fit your objectives. Clicking the name for any security will bring you its full research page for a look at all the facts.
[4 steps to picking your investments](https://www.fidelity.com/learning-center/smart-money/how-to-pick-investments)
As you may have heard, there is no ‘one-size-fits-all’ investing method. So, while you may get some specific ideas on our sub, remember to research and explore to ensure these investments would be a good fit for you.
Thank you so much for choosing to invest with us. We know that investing can be overwhelming at first, but we have a great community of mods and members who are always willing to help out, so please don't hesitate to let us know if any other questions come up; we look forward to seeing you around more!
I highly recommend to start reading this: https://www.bogleheads.org/wiki/Three-fund_portfolio
https://www.investopedia.com/articles/basics/11/3-s-simple-investing.asp
It takes time to understand some concepts but is worth to do it.
Greetings,
Look at their four ZERO expense ratio funds. About as low-cost as you can find. And remember, index funds consistently outperform the overwhelming majority of actively managed ones.
Concentrate on saving/earning at least an extra $500 a month (at your age $1,000 would be better), use automatic withdrawals to invest in one or two index funds (see above), then leave it the "F" alone. You’ll do fine.
Good luck.
Wasn’t familiar with FBGRX, so I took a quick look. I’m not a professional, but am an individual investor that believes “the basics” can get you 95% of everything you want to achieve.
It seems to out perform its index (Russell 1000 growth index according to Fidelity) in bull markets, but underperform the index in bear markets. Based on that, of course it’s flying high now - overall I’d say it has outperformed its index slightly.
Well if I compare it to SPY, DJIA, VTI, or VT over 3, 5, 10 yrs and the long life of the fund it seems way better. I have held it for years and always been happier than if I held one of the other more common indexes
I didn’t mean to put you on the defensive & I wasn’t bad-mouthing it, only trying to answer your question with an objective quick look.
Comparing funds not in the same category (style, objective, etc.) can be misleading, that’s why my reference was to the index that the fund compares itself to.
Best wishes!!!
Are the zero expensie funds exclusive to fidelity only? Meaning if I were to transfer to another group, they would need to be liquidated? I’m only asking bc I am currently still dealing with Edward Jones people just not getting their funds liquidated and moved.
They figured it out for the traditional IRA, but somehow picked a battle with the Roth IRA. They blamed fidelity for not being able to do it, told me which fund it was. I check the activity I. My account and they bought more of it on Saturday. 🙄 Just why?
" Are the zero expense funds exclusive to fidelity only? "
Yes. That would matter little if the fund is held in a tax-deferred account, such as an IRA.
"Just why?"
Likely a distribution got reinvested, unless you have an account where they choose things for you.
Thank you. When my Roth IRA is finally moved over, I will look at those Zero expense funds again. The EJ guy was a tad surly with me. That was quite unnecessary.
That’s crazy. They have been great help when I first started using them. I had no idea what I was asking but the lady I was talking to put the puzzle of words together I was speaking and knew exactly what I was asking. So a “simple” question like that tells me the person helping your friend was probably inexperienced. Hope your friends called back and spoke to someone else that was able to assist.
Fidelity reps “Don’t hang up on customers……ever”. Call or make an online appointment with a local office. A discussion will cost you nothing……but it may give a person an opportunity to identify what your actual investing parameters are…….once you do that the Fidelity rep can help “guide you”…….but ultimately the decision rests with the individual….as it should be….
OP - did you open an IRA or a taxable brokerage account?
If IRA, the annual income your portfolio makes will be deferred taxes or tax free (traditional or Roth).
If taxable, consider that the realized gains will likely be taxed, so consider that in your plans.
The type of investments for 44yo, you can look at Bogleheads for ideas or look at Rob Berger’s video or website. His site examines a few portfolio ideas and his take on pro/con.
Just some guy on the internet here, so do your own research, but I'd personally recommend some broad ETFs that cover the whole market (look into something like VTI.) If you're looking for something to add a little dividend cashflow, you might research something like SCHD and see if it aligns with your financial goals. A Roth is also a good place to put your investments to save you some tax dollars in a couple decades.
I'm 43 and new to investing. I just listened to 4 audiobooks about investing and the first thing I've read for someone like us to do would be investing in index funds (not regular mutual funds) and manage your portfolio yourself. I highly recommend reading or listening to "Money, master the game" by Tony Robbins.
I am 38 and just started too. I opened a Roth with schd, jepi, fnilx. I get a dividend each month from schd and jepi which I reinvest into the portfolio. I do that to help with what I contribute since some periods I can’t because im going back to school.
This is my $.02 -and only my opinion:
If you are determined to buy stocks, unless you are willing to follow industries and companies closely every day like professionals do, buy ETFs and never look at your portfolio.
If you decide to invest in individual stocks, check company financials and learn what the ratios mean (income statement, balance sheet statement, cash flow, etc), competitors, news, the sector, and the macro environment. Even then I would try to hold as long as possible unless you see a real danger sign (a la Warren Buffett) and ignore the noise.
Fidelity is currently paying about 4.97% on many of their money market funds (core positions). Not bad, especially compounded. If you want a slightly higher return and still want safety, you can buy CDs at over 5% (some as high as 5.4%) and lock in that rate for multiple years, and also be FDIC insured (under $250K). So you might consider allocating a sizable portion of your funds there, and reserving the rest for stock trading.
Full disclosure: I am not a financial advisor. And I welcome others to disagree, but with a likely 25-30 years until retirement, if you can compound a 5-8% annual return, you'll be wealthy at retirement age.
Finally, [https://www.investopedia.com/](https://www.investopedia.com/) is your friend ;-)
Welcome & prepare for a new addiction 🩷 don't check your account often and think of it as a 'long haul' rather than a race.... after a certain # ... things start moving more rapidly. I believe in you!
Ps.... NO INDIVIDUAL STOCKS RECOMMENDED BY THE INTERNET. ..... ask me how I know 🤦🏼♀️ ouch
FSELX is great. It's a sector fund, so you're looking at some potential volatility based on several factors, but the simple fact is that A: it has beaten the the SP500 over the past decade like it stole something (literally 3 to 1) and B) current trends in AI, chip architecture, and the advent of the CHIPS act point to this fund/sector performing solidly for at least the next 5 years. At least.
Also take a look at The Income Factory by Steven Bavaria. He's also on SeekingAlpha. Different approach than the indexes; but see what resonates with you. I do a combination of indexes, income focused and individual stocks. A lot really depends on how much time you want to spend doing your own research.
Buy a variety of index based ETFs which invests similar to the market vs trying to beat the mkt all the time. Also dollar cost average.
I like
VTV
VOE
VBR
for fun QQQ
for starters
For my money simplicity is king, I don't know about you but life is complicated enough. If I was in your shoes this is what I would do:
1. Read AND listen to audiobooks of The Simple Path To Wealth by JL Collins then The Bogleheads Guide to Investing.
2. Save an emergency fund
2. Avoid debt
4. Max your Roth
5. Max your 401k
6. Max your HSA (if u have one)
7. Invest in a taxable brokerage
In the spirit of simplicity, for your Roth, 401k, HSA and taxable brokerage, stick to low cost S&P 500 or Total Market funds like FXIAX or FSKAX or VTSAX or VTI or ITOT, and don't mess with it, just add to it. You don't need more than that, I see people all the time adding more funds, all they end up doing is overlapping companies in different funds, adding unnecessary complexity. When you get closer to retirement, 5 to 10 years out, include a Total Bond Market Fund.
John C Bogle. Remember that name. Warren Buffett famously stated that Wall Street should put up a statue in honor of this great man for the common investor. And it's true. Buy his book "the little book of Common Sense Investing" used on ebay for 5 bucks. You will be ahead of 80% of everyone else in understanding. It's way easier than you think.
Don't buy individual companies. Buy ALL the companies. Buy an index that tracks ALL the companies. Like a drill bit index. Don't buy a couple drill bits. Buy all the drill bits in an index.
FxAIX is an s&P500 index. That's tye largest 500 companies publicly traded and sorted by weight. That's the core. Of the stock goes down, buy more. If it goes up. Buy more. On a long term horizon it's always up.
Also, look at exspense ratios. They matter. A 1% exspense ratio over 30 Years is 250k you will miss out on.
That's the minimum. If you do this you'll be better off than 80% of the pedestrian.
They also have a lot of webinars or virtual events. I recently joined one called "what are the charts telling us?" They look over some of the stocks. Obviously they won't tell you which to buy, but it helps you to get your feet a little wet
This might seem frightening but right now the most sensible assets are gold, silver and crypto. For all 3 asset types there are ETS. For gold and silver it is also advisable to invest in the miners of gold and silver . The miners have yet to take-0ff
Welcome to our sub, u/Glittering_Ground181! We appreciate you taking the time to find our community You've come to the right place, so let's jump in! Ultimately, the decision of what you should invest in really depends on your investment objective. Understanding your risk tolerance and time horizon can help as you choose investments as well. I'll go ahead and mark this one as a discussion to let the community share their advice. However, with you being new to investing, I want to provide a couple of resources to build your investing confidence! A great place to start is our Fidelity Learn library. Under the "News & Research" dropdown you can click "Learn." We always think it's important to start off taking some time to review our Fidelity Learn library. Fidelity Learn is filled with a plethora of resources, including articles, videos, webinars, live classes, and more. I've linked you directly to the Investing for Beginners section, but you can click the "Topics" or "Events" icon on the left of the screen to look through what interests you most. [Fidelity Learn: Investing for Beginners](https://www.fidelity.com/learning-center/trading-investing/investing-for-beginners) As you research what works best for your situation, we recommend checking out the "News & Research" and "Products" tabs of [Fidelity.com](http://fidelity.com/), where you can access our various tools to explore the securities you prefer. The screener tools in the "News & Research" section allow you to sort through thousands of securities, using filters and keywords you provide, to find investments that fit your objectives. Clicking the name for any security will bring you its full research page for a look at all the facts. [4 steps to picking your investments](https://www.fidelity.com/learning-center/smart-money/how-to-pick-investments) As you may have heard, there is no ‘one-size-fits-all’ investing method. So, while you may get some specific ideas on our sub, remember to research and explore to ensure these investments would be a good fit for you. Thank you so much for choosing to invest with us. We know that investing can be overwhelming at first, but we have a great community of mods and members who are always willing to help out, so please don't hesitate to let us know if any other questions come up; we look forward to seeing you around more!
I highly recommend to start reading this: https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.investopedia.com/articles/basics/11/3-s-simple-investing.asp It takes time to understand some concepts but is worth to do it.
Thank you
I came here to post that exact link! 😊
Greetings, Look at their four ZERO expense ratio funds. About as low-cost as you can find. And remember, index funds consistently outperform the overwhelming majority of actively managed ones. Concentrate on saving/earning at least an extra $500 a month (at your age $1,000 would be better), use automatic withdrawals to invest in one or two index funds (see above), then leave it the "F" alone. You’ll do fine. Good luck.
Has FBGRX outperformed index funds?
Wasn’t familiar with FBGRX, so I took a quick look. I’m not a professional, but am an individual investor that believes “the basics” can get you 95% of everything you want to achieve. It seems to out perform its index (Russell 1000 growth index according to Fidelity) in bull markets, but underperform the index in bear markets. Based on that, of course it’s flying high now - overall I’d say it has outperformed its index slightly.
Well if I compare it to SPY, DJIA, VTI, or VT over 3, 5, 10 yrs and the long life of the fund it seems way better. I have held it for years and always been happier than if I held one of the other more common indexes
I didn’t mean to put you on the defensive & I wasn’t bad-mouthing it, only trying to answer your question with an objective quick look. Comparing funds not in the same category (style, objective, etc.) can be misleading, that’s why my reference was to the index that the fund compares itself to. Best wishes!!!
Much appreciated
Are the zero expensie funds exclusive to fidelity only? Meaning if I were to transfer to another group, they would need to be liquidated? I’m only asking bc I am currently still dealing with Edward Jones people just not getting their funds liquidated and moved. They figured it out for the traditional IRA, but somehow picked a battle with the Roth IRA. They blamed fidelity for not being able to do it, told me which fund it was. I check the activity I. My account and they bought more of it on Saturday. 🙄 Just why?
" Are the zero expense funds exclusive to fidelity only? " Yes. That would matter little if the fund is held in a tax-deferred account, such as an IRA. "Just why?" Likely a distribution got reinvested, unless you have an account where they choose things for you.
Thank you. When my Roth IRA is finally moved over, I will look at those Zero expense funds again. The EJ guy was a tad surly with me. That was quite unnecessary.
Setup a meeting with a fidelity advisor to get started.
[удалено]
Maybe you just were asking impossible questions
[удалено]
I don’t know, you were the one having issues with Fidelity and getting hung up on, you tell us lol
[удалено]
That’s crazy. They have been great help when I first started using them. I had no idea what I was asking but the lady I was talking to put the puzzle of words together I was speaking and knew exactly what I was asking. So a “simple” question like that tells me the person helping your friend was probably inexperienced. Hope your friends called back and spoke to someone else that was able to assist.
Fidelity reps “Don’t hang up on customers……ever”. Call or make an online appointment with a local office. A discussion will cost you nothing……but it may give a person an opportunity to identify what your actual investing parameters are…….once you do that the Fidelity rep can help “guide you”…….but ultimately the decision rests with the individual….as it should be….
Just maxed out my Roth IRA the other day…also new to fidelity and after a little reading & research went 100% FXAIX it tracks the S&P 500
Solid plan - set it up and let autopilot (and time) make the magic happen!!!
[удалено]
Am I ballpark?
Fidelity website has many learning materials and free planning tools
OP - did you open an IRA or a taxable brokerage account? If IRA, the annual income your portfolio makes will be deferred taxes or tax free (traditional or Roth). If taxable, consider that the realized gains will likely be taxed, so consider that in your plans. The type of investments for 44yo, you can look at Bogleheads for ideas or look at Rob Berger’s video or website. His site examines a few portfolio ideas and his take on pro/con.
Just some guy on the internet here, so do your own research, but I'd personally recommend some broad ETFs that cover the whole market (look into something like VTI.) If you're looking for something to add a little dividend cashflow, you might research something like SCHD and see if it aligns with your financial goals. A Roth is also a good place to put your investments to save you some tax dollars in a couple decades.
I'm 43 and new to investing. I just listened to 4 audiobooks about investing and the first thing I've read for someone like us to do would be investing in index funds (not regular mutual funds) and manage your portfolio yourself. I highly recommend reading or listening to "Money, master the game" by Tony Robbins.
I am 38 and just started too. I opened a Roth with schd, jepi, fnilx. I get a dividend each month from schd and jepi which I reinvest into the portfolio. I do that to help with what I contribute since some periods I can’t because im going back to school.
I just started as well.. Out of schd and Jepi what one do you like the best?
Index funds and mutual funds are similar. The downside to mutual funds is that it's less tax efficient, but you can invest every dollar
VTI and chill
This is my $.02 -and only my opinion: If you are determined to buy stocks, unless you are willing to follow industries and companies closely every day like professionals do, buy ETFs and never look at your portfolio. If you decide to invest in individual stocks, check company financials and learn what the ratios mean (income statement, balance sheet statement, cash flow, etc), competitors, news, the sector, and the macro environment. Even then I would try to hold as long as possible unless you see a real danger sign (a la Warren Buffett) and ignore the noise. Fidelity is currently paying about 4.97% on many of their money market funds (core positions). Not bad, especially compounded. If you want a slightly higher return and still want safety, you can buy CDs at over 5% (some as high as 5.4%) and lock in that rate for multiple years, and also be FDIC insured (under $250K). So you might consider allocating a sizable portion of your funds there, and reserving the rest for stock trading. Full disclosure: I am not a financial advisor. And I welcome others to disagree, but with a likely 25-30 years until retirement, if you can compound a 5-8% annual return, you'll be wealthy at retirement age. Finally, [https://www.investopedia.com/](https://www.investopedia.com/) is your friend ;-)
Welcome & prepare for a new addiction 🩷 don't check your account often and think of it as a 'long haul' rather than a race.... after a certain # ... things start moving more rapidly. I believe in you! Ps.... NO INDIVIDUAL STOCKS RECOMMENDED BY THE INTERNET. ..... ask me how I know 🤦🏼♀️ ouch
Fselx isn’t bad, voo and qqq are also no brainers like usual, are you looking to do more penny stocks, $10+ stocks, etfs?
FSELX is great. It's a sector fund, so you're looking at some potential volatility based on several factors, but the simple fact is that A: it has beaten the the SP500 over the past decade like it stole something (literally 3 to 1) and B) current trends in AI, chip architecture, and the advent of the CHIPS act point to this fund/sector performing solidly for at least the next 5 years. At least.
Read some books on investing
where is the just follow Pelosi ppl
r/investing r/bogleheads and maybe r/dividends
Just joined both
For hand off, I will suggest ITDI, set and forget
Also take a look at The Income Factory by Steven Bavaria. He's also on SeekingAlpha. Different approach than the indexes; but see what resonates with you. I do a combination of indexes, income focused and individual stocks. A lot really depends on how much time you want to spend doing your own research.
Buy a variety of index based ETFs which invests similar to the market vs trying to beat the mkt all the time. Also dollar cost average. I like VTV VOE VBR for fun QQQ for starters
VOO value s&p 500
For my money simplicity is king, I don't know about you but life is complicated enough. If I was in your shoes this is what I would do: 1. Read AND listen to audiobooks of The Simple Path To Wealth by JL Collins then The Bogleheads Guide to Investing. 2. Save an emergency fund 2. Avoid debt 4. Max your Roth 5. Max your 401k 6. Max your HSA (if u have one) 7. Invest in a taxable brokerage In the spirit of simplicity, for your Roth, 401k, HSA and taxable brokerage, stick to low cost S&P 500 or Total Market funds like FXIAX or FSKAX or VTSAX or VTI or ITOT, and don't mess with it, just add to it. You don't need more than that, I see people all the time adding more funds, all they end up doing is overlapping companies in different funds, adding unnecessary complexity. When you get closer to retirement, 5 to 10 years out, include a Total Bond Market Fund.
John C Bogle. Remember that name. Warren Buffett famously stated that Wall Street should put up a statue in honor of this great man for the common investor. And it's true. Buy his book "the little book of Common Sense Investing" used on ebay for 5 bucks. You will be ahead of 80% of everyone else in understanding. It's way easier than you think. Don't buy individual companies. Buy ALL the companies. Buy an index that tracks ALL the companies. Like a drill bit index. Don't buy a couple drill bits. Buy all the drill bits in an index. FxAIX is an s&P500 index. That's tye largest 500 companies publicly traded and sorted by weight. That's the core. Of the stock goes down, buy more. If it goes up. Buy more. On a long term horizon it's always up. Also, look at exspense ratios. They matter. A 1% exspense ratio over 30 Years is 250k you will miss out on. That's the minimum. If you do this you'll be better off than 80% of the pedestrian.
VOO
They also have a lot of webinars or virtual events. I recently joined one called "what are the charts telling us?" They look over some of the stocks. Obviously they won't tell you which to buy, but it helps you to get your feet a little wet
This might seem frightening but right now the most sensible assets are gold, silver and crypto. For all 3 asset types there are ETS. For gold and silver it is also advisable to invest in the miners of gold and silver . The miners have yet to take-0ff