5 Best Fidelity Funds to Buy & Hold Forever

[@christainjames]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?

[@Davidvictor6]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@Mariakevin-d9v]

The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.

[@Daneilchirs2]

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@Mariakevin-d9v]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@Daneilchirs2]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@philly1776]

Can't go wrong tracking the S+P 500. FXAIX all day baby!!!!!!

[@majorgear1021]

I wish my 401k plan carried it. The closest I can to get , using brokeragelink, is FSKAX. It’s most of my portfolio, with some in FTIHX.

[@Mjej2216]

I agree with you for now. However I read lately that the Zero Total Market Fund was becoming almost comparable with FXAIX people are choosing 0 fees. Guess we will have to wait and see. Good luck on your investing.

[@UserrHD]

International!

[@nman2008]

Just wanted to say how much I appreciate your well thought out videos with helpful, non-sensationalized content. Thank you for sharing your experience and knowledge!

[@RayMelville]

Over time FXAIX beats them all.

[@BillyCarsley]

Over time, yes. But people close to retirement or in retirement should be moving to reduce volatility.

[@KT-cq7gb]

Thank you Tae! My company just switched providers and this video helped me choose the best find for me.

[@gautamvishwanatham7512]

FXAIX ❤

[@stephaniefythm]

[@skoopqueen]

Nice one Stephanie .Any investment tip? I would love to know how you made it this far..

[@stephaniefythm]

Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with REGINA LOUISE COLLARO an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.

[@skoopqueen]

Impressive Stephanie.Your investment advisor seems quite skilled. I've come across success stories of individuals enhancing their financial stability through advisors. Could you provide further details about this individual?

[@stephaniefythm]

​@skoopqueen she is easy to find , make a quick research of her on the internet with her name Regina Louise Collaro and leave her a message .She works with anyone independent of their location.

[@ugojazzy7812]

[@korndawggy1801]

If you have the total market and the 500 fund, wouldnt that be over lapping because they would have the same funds in them?

[@ashbus4174]

I agree

[@jaybrown6174]

I find FXAIX, and FNCMX makes a great combination! I’ve tried international and emerging markets a few time but have found they go nowhere so I quit trying. I also like the ETF’s QQQ, IVV, DIA and VTI

[@locgem]

FTEC for tech

[@zachmartin6058]

my Roth IRA portfolio is 40% FXNAX (bonds), 40% FXAIX (Domestic), 20% FTIHX (International)

[@jamesmir89]

That’s a little high on bonds unless you’re a very conservative investor.

[@Javalipapere]

You really did a great, informative and professional video. Thanks

[@veritas3179]

Thank you, Tae.

[@tosilog]

Which funds should i put in my roth ira and brokerage account? Should i buy FXIAX for both accounts or just one?

[@akin242002]

Just the IRA. For the regular brokerage account go with VOO or IVV using fractional shares. ETFs are more tax efficient, and both of those ETFs perform the same.

[@DanielThomasArgueta]

I do FZROX for Roth IRA and ITOT for taxable brokerage.

[@majorgear1021]

Why invest outside of a tax advantages account?

[@allenzhou12]

Tae, love the info. Just wondering what do you think about 'options trading'?

[@p1lowboy]

Check out investwithhenry for good info on options

[@micalus8955]

Question I know the title says 5 funds to buy and hold forever. Do you mean we should have each of these 5 in our portfolio or Just 1 or 2 of the 5. The reason why I need some clarification is because you said at least 3 of them are similar. With the exception of the international 1 they are all pretty similar. Appreciate any feedback.

[@69ztang]

On a 3 fund portfolio you pick the Bonds, one international and one US stock out of the 5 he mentions.

[@garyschmelzer]

Fzrok baby

[@jonathangrissinger2944]

I appreciate your content. Have you considered the Fidelity NASDAQ Composite Index Fund (FNCMX)? It may have a slightly higher expense ratio but performs higher than the S&P 500 and Total Market funds.

[@angelgabriel2909]

I need ur opinion pls.. would you rather invest in ETF with tight bid-ask spread (extremely liquid funds) but high expense ratio or in not so liquid , wide bid ask spread but low expense ratio..

[@Chesswiz5290]

How come suggestions of mutual funds never mention minimum investment amounts? Are there any on these funds?

[@foreveranuj]

You missed FNILX :)

[@Bill123321]

If zero total market fund I has zero expense ratio why would one invest in S&P 500 FXAIX? Just curious. Thanks.

[@dant6067]

If you want to invest in the top 500 companies in the USA, you'd go with FXAIX over the zero total market fund. It's all a matter of preference.

[@jayseanchen1]

Excellent post.

[@akin242002]

Good video! I like FSKAX more due to better dividends than FZROX. Dividends help during bad years like 2022.

[@2ryan_X0]

Can you buy fractional Shares on fidelity on these specific index funds ?

[@maidi0526]

yes...i do DCA (dollar cost average) to all my accts. For Fidelity I splits $200 among 6 funds in my porfolio there. Happy Funding!

[@blackknight9558]

Thank you, Tae, for making this video. I'm not partial towards Fidelity, but our unwillingness to switch to Vanguard is my family started with Fidelity so we don't want to close my parents' and startle them at their elderly age.

[@groseromedia]

You mentioned owning FZROX, but also mentioned preferring the standard indexes? Is the FZROX holding more experiment than long term hold? Thanks for covering these!

[@stevencloninger1020]

FXNAX?? The returns are horrible, and I can get better returns in a high yield savings account. What am I missing?

[@Dregohard609]

If I have VTI for Roth IRA do I need FIXAX as well?? Looking to add to my Ira not sure what to invest in honestly

[@Jpsantos94]

FXAIX is the s&p500. VTI is the total market. By having VTI, you already own the s&p500 because it makes up 80% of VTI. There's no need to have both. I would keep investing in VTI or switch to FSKAX or FZROX which is Fidelity's version of VTI.

[@majorgear1021]

I think VOO is the equiv of FXAIX. FSKAX is similar to VTI.

[@peaceful4you408]

I hold FSPTX only in my IRA. The returns I’ve been getting from this fund has been insane.

[@Lastof718]

Expense ratio thou

[@williehutch03]

Is that the semiconductor one?

[@SleepingMe]

The turnover is really high does effect after tax

[@williehutch03]

@@SleepingMe How does it affect your tax if you hold it in a Roth IRA

[@logicalmisery3737]

FTEC is a much much better option.

[@esbiermann62]

When you say equity funds - that does mean stocks/index funds? Also is cost per month or year?

[@ScottDukowitzDC]

In common financial parlance, the term equity generally refers to stocks while the term debt usually refers to bonds, the debt is relative to the issuer of the debt (government or corporation) You mention index funds which can be composed of either stocks or bonds. Cost are per year. and, as an aside, you can tell if you're looking at a mutual fund because their symbols end in the letter 'X" Mutual funds can be actively or passively managed, mutual funds that are based on an index tend to be passively managed and usually have lower expense ratios then actively managed funds.

[@MountainManFred]

Great info...Thanks!

[@КрабовыйПаладин]

Perfect video, Thank you!

[@TaeKimFinancialTortoise]

You're welcome!

[@chrissansonetti3515]

Excellent video.

[@paulsypersma7165]

general zod selects international as his buffet up and comming.why? so i was the day before

[@ZacKar-e1v]

Couldn't you just hold FZROX in your roth? That way when you sell or transfer, there is no downside.

[@kaosperez444]

Is FSMDX any good? Sorry im just getting started. I bought FXAIX, FTIHX,FXNAX and now looking to add FSMDX please help

[@davidparker7156]

Fidelity U.S. Bond Index Fund is down 10 percent over last 5 years

[@decidocisum]

Doesn’t matter long term.

[@DeanBKK]

In terms of Fidelity Bonds, how do you feel about FXNAX vs FAGIX? The latter has way better returns.

[@bamacaveman]

Expense ratio is quite high for FAGIX.

[@DeanBKK]

@@bamacaveman 0.025% for FXNAX, and 0.75% for FAGIX. It's higher but the better returns seem to outweigh that.

[@carl9729]

what is your relationship with Fidelity?

[@artiemixx9319]

Nicely presented, Tae. However, you presented rates of return for each fund for their respective lifetimes, and the lifetime of each fund is different. Therefore, it’s unclear how well each fund performed relative to the other for the past three years. Consider a direct comparison for the period when all funds were available.

[@majorgear1021]

This! I look at YTD and 1 3 5 year returns.

[@artiemixx9319]

I’m not comprehending your response. Where do you provide the 1, 3 and 5 year data?

[@majorgear1021]

@@artiemixx9319 Fidelity’s Fund research tool on their website will show it to you.

[@albertedwards3803]

Thanks for the great information I will definitely take your advice on these recommendations 🤔👍✌😊

[@bigtime911]

Vanguard or fidelity which is more solid

[@Tyler-ii4yb]

depends

[@lindam.3174]

I honestly prefer Fidelity

[@legendzero999]

Fidelity because I love their zero minimums. Some funds at Vanguard require a 3k minimum. Also, higher expense ratios.

[@majorgear1021]

Yes.

[@mozilla2576]

Thanks! Just got signed up at Fidelity. Needed this info....glad u made the video.

[@0326hkim]

thanks 김서방! :)

[@JPZ92]

So you should just have those three funds in your Roth IRA and just keep contributing?

[@troymack8205]

I'm in the same boat to understanding as you, but from common sense point of view, A Roth IRA is a tax free account so to grow it there with out taxes dipping into your growth would be the logical route.

[@Jack51971]

VGT😊

[@aevoss]

I think FTBFX is better than FXNAX.

[@justinmorales4635]

Hi so which 3 should I put in my Roth IRA? I was thinking the first 3 is that fine what should I look out for?

[@TJW68]

It always depends on how many years you are from retirement. While these are all great funds he's discussing, you have no need to limit your gains in a bond fund if your retirement horizon is decades out. I personally don't like international funds because Europe and Asia have much more volatile economies than ours. Stick with one of the last 3 funds until you're 10 years out from retirement. Then start moving into bond funds. At that time, a discussion with an investment fiduciary would be worth the expense.

[@akin242002]

If you don't know, go with a Total USA fund. FSKAX in this case. 50% lower expense ratio than VTI and similar performance.

[@ChrisCardenDrums]

All depends on how close you are to retirement, when you're young, it's silly to invest in bonds and international, there's just no long term example of the US stock market losing. As you get closer, you need to take the crappy returns of bonds and international so that the peaks and valleys of the US stock market don't affect you as much.

[@MerylRSuggs]

just have those three funds in your Roth IRA and just keep contributing?

[@peterl2767]

Great content 😁

[@TaeKimFinancialTortoise]

Thanks 😁

[@artist1303]

does anyone know how to get the money out of the spaxx acount into the cash settled account so i can use that money to make trades?

[@majorgear1021]

There is no such thing as a SPAXX account. That’s a fund.

[@D.J.-pw4jp]

@@majorgear1021not exactly correct. It is a money market type account that is used as the core account. When money is transferred to an account say faxnax it goes into the core account then you use it to fund the fxnax or any other account to want in your portfolio.

[@VegasBugs]

Excellent content, thanks. I have held FSKAX for the last year or so, and I intend to diversify more. I had not considered bonds until now, due to the low return. We're getting HAMMERED in the market. Hopefully this won't last too long. I'm guessing a couple of years. Thanks Biden! 💩

[@josedesantos2885]

Does it matter how many of these bonds I can get?

[@lindam.3174]

Do you have these in a brokerage account?

[@mariah12809]

Hopefully you're in it for the long haul? As such, you'll be fine holding FSKAX. Years like last happen. In the long run, everything will be fine. Adding and increasing bond allotment as you get closer to retirement is a good idea, however.

[@majorgear1021]

avoid bonds unless you are close to retirement. I’ve seen people on reddit finance forums suggest T Bill ladders as a replacement, but that is as far as I’ve researched it.

[@ytfinance]

VOO and VTI are all you need

[@akin242002]

Even though those ETFs are great, especially in a regular taxable brokerage account, they are not the only ones. FXAIX is slightly better for a Roth IRA when compared to VOO. 50% lower expense ratio and slightly better performance since January 2012. Also automatic biweekly or monthly investing. Similar situation with FSKAX compared to VTI, but VTI slightly outperforms by 4 basis points since Jan 2012. Example: 11.39% for FSKAX with 0.015% expense ratio, vs 11.43% for VTI with 0.03% expense ratio.

[@ytfinance]

@@akin242002 True, there are many great options that are similar to these investments.

[@gatoborracho4572]

@@ytfinance Mr. Berry. Shout your mouth..

[@ytfinance]

@@gatoborracho4572 Why would you say that? We are educating people on available investing options? Are you opposed to smart investing?

[@gatoborracho4572]

@@ytfinance I did say it..just because you wrote that vti and voo is only what you need.. which is not true.. there is a widely options out there.. all depends on everyone needs...

[@john00123]

it’s unclear how well each fund performed relative to the other for the past three years.

[@MichaelJSNeves]

With the FZROX cant you sell it from a Roth IRA account with out paying capital gain? or am i missing something?

[@akin242002]

No taxes at all in a Roth IRA.

[@MichaelJSNeves]

@@akin242002 yeah I forgot. 😂😂 I was thinking of a taxable account for some reason. Thank you.

[@josedesantos2885]

Does it matter how many bonds I can buy?

[@majorgear1021]

No.

[@kenichi407]

fxnax? wuh? look at the 1 year, 5 year, max historical performance... all down. pretty bad recommendation there.

[@Jlui83]

FZROx still good to go?

[@blackqueen5201]

Yep

[@Molecular_McWain]

Thank you for the video! What do you and others think about FFIJX 2065 for a "invest it and forget it" approach to a Roth IRA?

[@LittleMopeHead]

I have this same question. Anyone?

[@Fredjoe5]

Are the costs for a year, a month, a day? You don't clarify which...

[@derrickdry9770]

These are yearly expenses.

[@Fredjoe5]

@@derrickdry9770 Thanks, much appreciated! It's important that videos like this state this kind of thing very clearly. For beginners, it can't be presumed that they understand that it's a yearly fee, and not more frequent. It's the curse of competence - it can be difficult to create content a beginner can follow once you know so much about a subject yourself, as it's easy to describe something in a way that presumes a standard of knowledge that might seem obvious to you but is not to a listener. As the old saying goes, "Your communication means the response you get".

[@kylereinhart2663]

He literally says the expense ratios are YEARLY fees in the video.

[@Fredjoe5]

@@kylereinhart2663 Didn't hear that in the video. That's why it should be very clear. If it's there, it wasn't obvious.

[@lanehollis1848]

FXNAX has never made any money.

[@jamesfox406]

So the idea is to just pick one of these to invest in not all of them?

[@someparts]

Can you do a video on Consumer Staples Funds like FDFAX?

[@MrJeffgonz]

FZROX 💪

[@majorgear1021]

Boooo. Look at the morningstar rating :)

[@MrJeffgonz]

@@majorgear1021 I keep my 👀 on my portfolio 💯

[@erikl2144]

Bonds suck. (Especially in the past 3 years). And if you say: think about bonds just like your brakes (1:40), then why do you show a lady pressing on the gas pedal..? hahaha... (I see only two pedals, so I assume it's automatic gear; then the right (and lower) pedal is the gas....

[@MichaelBoelton]

these funds are over-diversified. this is something i would consider once i'm in retirement

[@LOVE-JC777]

Fzrox & Fxaix overlaps? In a Roth account?

[@JM-tm4dj]

Their best funds are their Sector Funds. Take a look.

[@UKBornin1971]

Please explain

[@michaelsmagicalmoments]

As if often said, "time in the market beats timing the market."

[@JoseGonzalez-wq2mm]

Good information i love your videos my Guy !!!!!!👌🏽

[@kameha5145]

Thank you..I just opened a fidelity Roth Ira for my son who is 15 wasn't sure what to start with but you helped alot..after watching 10 other channels..

[@TJW68]

Your son shouldn't be putting anything into a bond fun this early in his investing "career". 100% stocks until he's 5 - 10 years from retirement. He can ride the ups and downs until then. Just don't panic during the down times. Always look at the downs as an opportunity, and try to find extra money to invest while stocks are "on sale".

[@dangstown4061]

@@TJW68 Can I open an account for my son (18 months) ?

[@WLDefisher]

@@dangstown4061 you can make it in your own name and set your son as a beneficiary in case anything happens to you. You can also just call a fidelity agent and they could help you out

[@MrTmenzo]

You need earned income to open a Roth so your child isn't eligible for one, are you sure it's a Roth IRA?

[@kameha5145]

@@MrTmenzo yes I'm sure

[@jamesoller4900]

Thank you, it’s informative

[@drewbaisden3475]

Well done. No nonsense, quickly summarized, straight to the pertinent points. The average investor with busy lives could benefit greatly from this and the Vanguard Best Funds Video. Subscribed and hit the alarm. Keep the videos coming.

[@titoquinones7725]

.025% of 10000 is 250$ for the managing of the fidelity fund

[@trudgewinston]

It’s $2.50. .00025 x 10,000= $2.50

[@davidd1704]

Does “Don’t try to catch a falling knife” apply to index funds? Is there ever a bad time to increase investment in total market index funds?

[@kameha5145]

Yeah when the markets tank

[@TJW68]

@@kameha5145 Are you cracked? That's the best time to scrounge some extra money for investments. The stocks are "on sale" when the market is tanking.

[@soaringaegis]

As I understand it, the trick really is less in the timing and more spreading out investments regularly so you catch more "snapshots" of where the market is at. You get the benefits of investing while prices are low, but also spreading out the risk if prices are peaking. That way, when prices are low, you're more likely to catch them because of the frequency, and when prices are high, you're risking less money than if you're buying up a bunch all at once.

[@qleap99]

​​@@soaringaegisYes, called "dollar-cost averaging", the idea is to invest at regular intervals, best done by automatic transfers, regardless of what the market is doing. This set-it-and-forget-it approached averages out the risks of ups and downs, keeps you from having to time the market, and keeps you on track for the big picture. When stock prices really fall, you can always buy extra. Jaspreet Singh of Minority Mindset talks about this often. His videos are worth taking a look at.

[@jamesfox406]

Brilliant video! Thank you 🐢