Fzrox fxaix reddit. 28% according to yahoo finance. 4. You can’t guarantee those returns but for me personally that’s a big enough difference that I do all FXAIX in my 401k. VTI vs FZROX in taxable. FZROX fully contains FXAIX, so there is no real good reason to hold both, just hold FZROX. FXAIX, on the other hand, charges 0. In the 10 year view you'll notice that early on that US total market was doing better than S&P 500 only. The OP knows the Zero funds currently distribute dividends only once a year but the majority of funds distribute more frequently. I am using the account purely for retirement, so looking for long-term holding (25+ years). It’s a comfortable spilt between the growth of the nasdaq and stability of the total market at a minimal expense ratio when combined. What are you looking for in terms of asset I believe it is more strictly cap weighted than the S&P 500, as S&P 500 has other components than just large cap. So, technically if you wanna go for the same type of fund as FXIAX you can go with FNILX which is a no fee s&p 500 fund. 5k FXAIX position would be the first to sell if you need it. 03% over VTI. FZROX has a 0. I'd personally not invest a large amount of money in any fund at the moment if they are near their highest price of the past year. FXAIX is not a good choice as an only fund because it only has the 500 largest domestic stocks. , $1000 for $100,000, $5000 for $500,000) with a 5 year lock up. It’s not a crazy amount, but less than ideal. 25%. Jan 26, 2023 · FNILX vs FXAIX: Key differences. So assuming the capital gains per dollar turned over are the same, FXAIX has best tax efficiency at 4 percent of shares subject to tax. Average return of FXAIX is 10% and 8% for FSKAX. The main difference is FNILX doesn't have the . I want 40% to FDVV because I like the idea of receiving high dividends in 30 years when I retire. 015% ($1. The difference is that FXAIX makes that top 10 a larger percentage of the overall portfolio (25. My question is, would there be any Robinhood currently offers a 1% match if you transfer your 401k or IRA (e. Reply. persoanlly i would go. I’ve got all my accounts in FZROX. For my Roth IRA, I want to do a typical “set it and forget it” Bogleheads style. At times those 800 holdings and adjusted weights can boost FSKAX over FZROX, other times hurt it. A lot of it depends on your risk profile and if you are willing to self balance once a year. VTSAX is a vanguard mutual fund, you can buy them through fidelity, but there will be a ($75 per transaction) fee. The difference in returns can be a bias due to send date selection/recency, as there are plenty of times where the extra holdings will pay FSKAX ahead of FXAIX. I love FZROX, but the dividend once a year, I don't like at all. 51% compared to the 21. Perhaps a difference in deposits since the initial investment, but we (the commenters) can’t know. There’s so much overlap between FZROX and FXAIX that it’s not worth having both. I know FXAIX tracks the S&P 500, and although it’s popular, it doesn’t have any international holdings. If the extended market holdings of FSKAX outperform, FSKAX benefits, but FXAIX will see any of that benefit. Add some FZILX too. FXAIX (S&P500 Index) follows an established index and is mostly large-cap with a small bit of mid-cap at the bottom of the index. I use FZROX, also, to add a little small and mid-cap stocks, but overall, FXAIX seems to perform a little better. I am 65% FSKAX, 25% FTIHX, 10% SCHD. FSKAX is 0. FZROX is a fine choice. the 2 top one has overlap but that is to get a littl more attention to SP500 area but still keeping the numbers easy to remember. That's a 0. There are a few key differences between these two funds. This means that FZROX gives you exposure to a wider range of stocks. Large Cap - FXAIX (S&P 500) - 0. 46 and $354. Is this still a fine choice to go 100% in? The other choice is between VT and a 60/40 split between FZROX and FZILX. However, FZROX has some advantages over FXAIX. • 1 yr. FSPGX tracks the Russell 1000 growth, which is roughly 93% of the US stock market. This comparison is just like VFIAX (S&P 500) and VTSAX (total US stock index). If you want to do automatic investing , then FZROX or FXAIX is a better option . Clearly, you can buy more shares of FZROX. You would need to add VSS if you want them. 015%. edit: Thank you everyone for your responses. 015%, not 0. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. It’s mostly for investors who prioritize capital appreciation rather than regular income payments. Plus that fund's ER will detract it's performance over the long-term and it won't be nearly as tax efficient. Some things I look at are holdings, idea, and expense ratio. Note that tracking more accurately does not necessarily correlated to higher returns. Both funds are good choices for investors. However after reviewing them all I’ve narrowed it down to these two funds being the best. That's $30 per year on $100,000. You simply choose 1 or the other and focus on increasing your income and savings rate. Figure it'd be best to have total market instead of just the top 500. I chose FZROX. Plus I really like the zero expense. VOO as an ETF is able to avoid wash sale rules. I’m 37 so I feel like I’m a little behind and am trying to catch up. FXAIX has the lowest expense ratio I've seen in an S&P 500 fund at 0. Both VOO and FXAIX are the same so choose either one. One of the reasons I chose FZROX over FXAIX is because I'm young so I can take on a bit more risk. You are making a great choice. 50 per year, per $10K value of the investment. Over time, you will do better than way more than 90% of your peers. Anyways, we would need more info like your age to start. Fidelity ZERO International Index Fund (FZILX) Fidelity ZERO Total Market Index Fund (FZROX) Fidelity ZERO Large Cap Index Fund (FNILX) Fidelity ZERO Extended Market Index Fund (FZIPX) The ZERO funds consist of four index funds. 30% FNILX. • 9 mo. I’m currently 70% FXAIX, 10% FSMDX, 10% FSPSX and 10% FTEC. FSKAK is a good fund but you would have to pair it with an international fund such as FTIHX or FZILX. 0. It doesn't have small cap international stocks. Long term, "small" is an expected compensated risk factor, so VTI/VTSAX (or FSKAX or FZROX) should probably be expected to outperform FXAIX. 97% difference. S&P 500 Index return is 17. 30% FZROX. FZROX and FZILX. FZROX is 6 percent but is is early days. However, the difference in costs is very insignificant. FZROX is a proprietary total market fund, FXAIX is S&P500, and FIOFX is a target date fund which covers US and ex-US equities as well as US bonds (with a glide path built-in to decrease equity / increase bond exposure as the date in the fund name approaches and passes). Do I put all of my eggs in one basket or should I diversify my investments? FXAIX is just over 500 baskets. Invest 100% FXAIX since it tracks the SP500. The performance of FSKAX this year through the end of April was 8. Are 50 pennies better than two quarters? Moreover, FZROX has no minimums and has 0% ER, so it would be completely irrational to not buy FZROX over VTI. 3 billion in net assets and about 2,800 stocks. 33%, and for FXAIX it was 9. FZROX currently trades at $14. But I would recommend using FNILX over FXIAX. Total market (FZROX) VS FNILX & FZIPX. FZILX covers all mid and large international stocks. 30% FZILX. IMO that’s a better way of comparing than just looking at the dividend distribution amount. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. FZROX is billed by Fidelity as a "total market" index fund, and according to Morningstar contains the "total-market" proportion of mid- and small-cap stocks, but it follows a proprietary Fidelity index. The strategy I’ve developed and quite like is a 50/50 slit between the FNCMX and FZROX which is a total market fund with a 0. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0. I wonder why the moderator failed to answer the question. " Use only 1 year or YTD view for the Zero funds to get a fair comparison. The other 60% is where I am split. The more apt comparison would be FSKAX vs VTI or FXAIX vs VOO. My roth IRA is 100% with FZROX, but the more I see FXAIX tossed around, the more I wonder if I should switch to that instead. The answer is absolutely no. Most of my investments stay in a tax-advantaged account, be it my Roth or 457b deferred comp from work. • 1 mo. i originally had fzrox in my roth then decided to switch to fxaix but now i'll sell my fxaix and get it back into fzrox. Fidelity doesn’t support automatic investing (SIP) on ETFs. This is why limiting portability matters so much for brokerages. Retirement. 00% expense ratio, which is lower than FXAIX's 0. 15% management fee. The $7. 00% expense ratio. The sp500 zero fund (FNILX) turnover rate is 10 percent. 03% expense ratio and FXIAX is a mutual fund with a 0. Obviously the difference between the two is small enough that I wouldn't take the tax hit on anything I already own but what I'm thinking: -FZROX has the zero expense ratio but VTI is pretty cheap regardless. 591 subscribers in the TheMoneyMix community. Or in a non fidelity account. I recently opened a Roth IRA. About 65% - 70% in FXAIX, about 25% SCHD. 17%. Balance can go down to say $100, but all monies can be held there pending movement to SP500. 08% expense ratio and will probably migrate all of my funds into 0% expense ratio mutal funds. It isn't available to everyone. 16 votes, 20 comments. In theory they should be damn near exactly the same. They both overlap quite a bit. FDEWX looks like more diversified and less risky. Not a band fund, but it is different. FZROX is a loss leader. FSKAX has about 3,500 holdings and FZROX has about 2,000, so you’re missing out on holding certain companies in the zero fee one. -VTI owns more stocks. Say you have a 10% gain of $750, then you pay taxes (assume 25% if regular income, 15% if long term capital gains) of either $187 or $112. Personally I’d choose FXAIX since it’s cheaper but that’s minimal. I can't really see myself leaving Fidelity. Hey all. In a Roth, you can swap without any tax considerations. This would give me the benefit of having some diversification internationally as well, but I heard the expense ratio for Fzrox contains more than fxaix. Second, it tracks the total stock market, while FXAIX only tracks the S&P 500. FZILX is worth having because, even though the U. But the first two are fine. The last cap gains distribution from FZROX was all of 0. FXAIX. S. Long term, I would expect FSKAX to beat FXAIX, as it includes smaller caps which are a known expected compensated risk factor. Fzrox tracks the entire US stock market. The top 10 FXAIX holdings are the exact same as the top 10 from FSKAX. FZROX is the way to go. VTSAX does have more holdings, but they'll be on the lower end (in terms of weight in the fund), to the point where it makes very little to no BoxerRumbleEJ257. The fee and benchmark differences are much less important than the organizational structure. FZILX or FTIHX are great compliments to FZROX. But there is no real difference compared to other low cost index funds. Comparing their top 10 holdings they’re essentially 98% the same , tracking the S&P. All of them show a dividend paid and reinvested on 12/15/23. For those following and unaware, the ex-dividend date is on which the distribution amount per share is deducted from the fund's So, I have $7000 in the Roth (6000 for 2020 and 1000 in 2021). It is, but I generally don't look at that. No fxaix tracks s&p where as vti is a total market index. FXAIX is good, but FSKAX is better, and FSKAX paired with FTIHX is best (within Fidelity's non-Zero funds). Broad market, 0 fees. This can easily outweigh the ER difference (the impact of the extra holdings means the difference in weight of Apple alone is greater than the ER of FSKAX: 6. I’m leaning on FZROX because it’s cheaper to buy shares and has no expense on the From 2. FZROX saves you 0. 015% expense ratio. I generally keep FXAIX, plus a mid cap, small cap and a bit of international fund in my Roth, along with any specialty funds I might be interested in having. There's about 9000 other domestic and international stocks you're missing out on. This made a difference with Tesla a few years back: FNILX had it long before FXAIX was allowed to add it. 12% vs 6. I have 100% in FSKAX (total market) in my ROTH. 10% FXNAX. If you have FZROX and FZILX, you don't need FXAIX. When those periods of bust occur in the stock market, the name of the Game is to NOT sell. However, I see there is a Fidelity 500 Index Fund with a better Morningstar rating, lower expense ratio and higher performance. joerover34. FXAIX has yielded 12% YoY over the last 10 years. As of March 2023, FSKAX has $66 billion in net assets and about 4,000 different holdings, while FZROX has $12. • 10 mo. Of these two FSKAX and FXAIX have the lower expense ratios. The most significant difference between those two is that one is organized as a mutual fund and the other is an ETF. Some would say you're too young to need them right now, others would say having at least some can be beneficial. 20 respectively. You can use a total market fund (VTI or FSKAX) instead to simplify things. FSKAX probably tracks the total stock market more accurately as it has more holdings. If you buy the SP500 fund, eventually you’ll want to add bonds to the mix. FXAIX tracks the S&P 500 which is essentially the 500 largest US stocks by market cap weight. Discuss topics related to Personal Finance, Money, Budgets, Careers, Investing, Retirement, and FIRE… VOO is an ETF with a 0. I recommend the second option for you as well. 14 votes, 14 comments. However, as of this afternoon, my balance has not reflected these dividends being paid out. For example, I'd choose FSKAX or FZROX over FXAIX, as both are US total market style, so roughly 80% of them would be S&P 500 (FXAIX) and the other 20% would be thousands of additional holdings and you can get them at the same expense ratio as the S&P 500 only funds. something around 65/35 FZROX/FZILX makes sense. FXIAX as a mutual fund can be tax loss harvested with the funds reinvested the same day. S market has outperformed international in recent years, this is not a guarantee long-term. you guys are awesome. But overall they should perform nearly identical. But fskax contains more than fzrox. I understand that the FZROX is basically FNILX and FZIPX combined. I’m new to all of this so please forgive my rookie questions. So I would not expect FXROX to have such a low turnover in the long run. Check out r/bogleheads too. In taxable accounts for now, ETFs and some Vanguard mutual funds (including VTSAX) have an advantage over other mutual funds due to the way internal capital gains are handled. A large majority (65%) of my 401 (k), which is with Fidelity, is invested in FXAIX. Bcs he probably added more when the market was at the lowest. FXAIX also appears to track the S&P 500, and has an expense ratio of 0. In Fidelity, I found FSKAW (total market index fund) and FDEWX (freedom index 2055 fund) would be a good choice for me. The performance of Dow Jones US Total Market Index is 1 year returns of 20. The links only show the current frequency. If your company offers a Roth 401K option, invest in a fund that mimics the S&P 500 and you really don't need a Roth IRA since a Roth 401K maxes out at $20,500 vs $6K for a Roth IRA. I would put it into FXAIX if I was a little bit older (probably). NEW 2 Fidelity index mutual funds FZROX and FZILX with a zero expense ratio. Also, if you can accumulate $10,000 in the account for 1 week, start a premium money market fund FZDXX for higher return. 25% to 1. I'm thinking about this as I'm making more contributions to my Roth IRA. Reply reply Weary-Ad9400 I own FZROX, FXAIX, FSKAX. I have the same set up and FZROX preforms pretty good. Just curious, for those that are FXAIX and chilling, what's Jan 26, 2023 · FZROX vs FXAIX: Key differences. 60% FZROX, 36% FZILX and 4% VSS is global market weight for equities. 06% = 0. 96% in the past 5 years vs FZROX 37. FSKAX has more stocks so it has better coverage of the entire US market. g. First, there are no fees attached to FNILX. 06 per share while VTI and VOO trade at $202. lol. FXAIX has slightly better ratings usually and had a lower expense ratio, so was thinking of going with them however MFEKX seems to do better on gains. With mutual funds you can specify a $ amount you want to invest, for ETFs you usually need to purchase full shares. 06% while the ER of FSKAX is 0. FSKAX or FZROX are much closer Fidelity equivalents. Edit: the benefit of this over FXAIX is that FZROX and the free international fund have more diversity and are both zero expense. It’s a loss leader to get you to stick with Fidelity and they use a proprietary tracker developed in-house to save on fees. FSKAX vs FZROX - same as above but for total market and zero expense ratio for FZROX Flip a coin. That means FSKAX is a more diversified fund, and you can expect more volatility with FZROX. As a very aggressive investor, I’m personally doing 70% FZROX and 30% FZILX! Look into creating a 3-fund portfolio between bonds, US, and international funds. It’s also proprietary to fidelity so you cannot transfer it to another brokerage) Me personally, I just buy VT so I don’t have to worry about the market cap weighting of US and international stocks. 55%. RameshKapoor1947. Thoughts on FXAIX? Most of my net worth is FXAIX. You can do a quick math Distribution Amount * Distribution Frequency / NAV. This fund cannot be transferred to a different broker in the Total’s top holdings will resemble the SP500 in a weighted fashion and hold some more. A lot of people go all in with FXAIX or FZROX and some international such as FZILX. FZROX has a slightly lower expense ratio but has around 800 less holdings (which also means adjusted weights for the roughly 2,400 they both have). 75%, I would challenge your definition of better. FSKAX and FZROX track the total US Stock Market. If you were to switch to FXAIX, FZROX, or FSKAX, that means you're switching purely to US stocks and ignoring the other 3 asset classes mentioned above. There's no problem running FSCSX bc it does outperform the greater market, but as will all things it isn't as safe as a normal s&p 500 fund. Nov 10, 2018 · Define "better". $0 for Fidelity funds and hundreds of other funds with no transaction fees. If you are with Fidelity, they have four funds with zero fees. Their performance should be incredibly similar, based on if large caps (FZROX) or small caps (FSKAX) as broad classes do better over FZROX is $16 while FXAIX is ~$154. 10. Personal finance… A common 3-fund mix on Fidelity is FZROX, FZILX, and FXNAX. Small caps outperform large caps in the long term, so as a 22 year old you shouldn't miss out by only buying the S&P 500. ITOT in a non-tax advantaged account is better than FZROX, IMO. I am 24 and I currently have a traditional 401k, Roth IRA (maxed out), HSA (maxed out) and a taxable investment account. Hello, My 401k options are fairly limited unfortunately. First, it has no fees. FXIAX/FSKAX in brokerages so they retain portability without triggering a tax event. FZROX (and the others) should be internally reinvesting the dividends until close to distribution date, so you don't really miss out on anything (there was a thread a while ago that mentioned they had to be doing that to match their performance). NEW No minimums to invest in Fidelity mutual funds. I know there's probably a billion posts comparing FXAIX to other Index Funds. Diversification. VOO is a Vangaurd ETF that also is designed to track the S&P500 index. 02% per year. FZROX is one of fidelitys 0 expense ratio funds. This help investors save some more money because they don’t have to pay an extra management fee to Fidelity. Since Fzrox is lot cheaper and could buy way more shares would I get more dividend or does it go by total cash that we have in the fund? And the difference paying it annually compared to quarterly would it make a difference on the total you receive? 679 subscribers in the ArrestYourDebt community. ago. FZROX/FSKAX hold thousands of companies instead of just 500. 8. -VTI pays dividends more often but this could be a disadvantage if you don't need the Considering FXAIX has increased 51. 3. I wouldn't mind being all in total market if I was going to be 100% stock. They are both seperate classes, VTI is a total market index ETF, FXAIX is a SP500 index fund. com. Just last September, FBGRX passed on a cap gain distribution to the tune of 4% NAV. In my tIRA I have FXAIX (S&P500) along with other things. 35 years old. 15%. So if your goal is to pursue investments that are more diversified, fskax matches up closer to that theory. 45% of FSKAX). Both of these last two differences are basically moot if you hold them in an HSA which has all the tax There’s a lot of recommendations for FSKAK or FZROX. Your question was are you an idiot. I am working on increasing ftihx to 30% and decreasing FSKAX to 60% allocation. I have no real interest in a . ginger2020. There is an estimated ex-dividend date of December 15, 2023, with an estimated pay date of December 18, 2023, for FZROX, which can be viewed here: Distributions by Fidelity Mutual Funds. It doesn't really make much of a difference if you don't though. But FXAIX outperforms both. Analyze the Fund Fidelity ZERO ® Total Market Index Fund having Symbol FZROX for type mutual-funds and perform research on other mutual funds. All of its holdings are already in FSKAX and FZROX. I can't imagine a scenario in which one would tank while the other would flourish due to the major overlapping holdings. Ooh this is very useful and good to know, thank you so much! Glad you found it useful. 02% expense ratio. Look at the other 2 funds in the 10 year view. FXAIX - Expense Ratio Comparison. FXAIX is one of the best index funds to hold long term. ) Some of the Vanguard ones are slightly higher ratio, but still outrageously cheap. Should I throw my lump sum money into the same fund, or should I contribute 50% and 50% Tax efficiency isn’t a concern in a Roth because it’s a tax sheltered account. Roth IRA: FXAIX vs FDKLX. FZROX vs. Both will perform quite similarly considering the S&P 500 (FXAIX) and FZROX (total US stock index) have 99% correlation. FXAIX - S&P500 FSKAX & FZROX - Total market funds (Fzrox has less holdings but it’s free. Use FZROX, zero fee. If you compare the performance of FZROX (Fidelity no fee total market index fund), FSKAX (Fidelity regular total market index fund) and VTSAX (Vanguard total market index fund), then FZROX has slightly outperformed the other two in the 4 years it has existed. In its short history, FNILX has outperformed FXAIX before you adjust for the expense ratio and dividend reinvestment. FZROX is the loss-leader though and if Fidelity wants to give me a freebie that's fine with me. FSKAX is 11 percent. You are diversified. How do they manage for expenses? FXAIX is a great fund to be in, but just like anything else, diversification is your key to lowering your investing risk. I am 30 and have all of my Roth IRA (my only investment) in FZROX (80%) and FZILX (20%). It is a "passively" managed mutual fund designed to track the S&P500 index. Tintn00. 50 per year for every $10k invested in the fund. The exception is Vanguard's mutual funds which use a patented arbitrage system to get the same tax efficiency as their ETFs. Maybe a bond fund. This final point, if I understand correctly, is why the Bogleheads wiki explicitly recommends using FXAIX as part of a total market strategy, rather than View community ranking In the Top 10% of largest communities on Reddit. Mostly on FZROX and I play around with 2 year LEAPS. Vti or fxaix, fzrox or fskax . Introducing zero expense ratio index mutual funds, FZROX and FZILX available on August 3, 2018. FXAIX is only the S&P 500, while VTSAX, FSKAX, and FZROX are all US total market style funds. And fskax (and fxaix) have such low expense ratios that the zero expense nature of fzrox is so insignificant when making that choice. Boggle in his book mentioned to get the total at it covers all the companies and to just hold hold hold and reap the benefits of compounding. For the "core" or majority of my holding, I am looking at FXAIX, VTI, or VOO to track the S&P 500 and let that core holding grow and compound over the years. FZROX/FNILX in tax-advantaged accounts as you can liquidate before moving. I watch and buy after a few down days, or New comments cannot be posted and votes cannot be cast. There are other enhanced funds (~5 Both FSKAX and FZROX already fully contain FXAIX as about 80% of their weight. I recently became aware that it ties me to Fidelity behind a taxable event if I ever had to or wanted to put that money elsewhere. Also, Fidelity will be changing FLCEX fund (SP500) to an ETF Nov 19, 2023. I'm fairly risk tolerant. Plus, consider saving cash along with investing in stocks Apr 14, 2023 · As of April 2023, FXAIX, which was created in 1998, has assets that total $364 billion invested in 506 different holdings. My 401k is invested in a…. FOCPX is a good actively managed fund that meets Dave's criteria, though I avoid those. FSKAX is Fidelity's non-zero total market fund. ago • Edited 1 mo. FZROX uses more sampling so it holds fewer stocks, but it has a 0% expense ratio. Jan 31, 2023 · The size of the funds and the number of stocks held is another significant difference. I thought it would be good to choose either FXAIX or FZROX. If you’re looking for the former, it’s an excellent option that affords good diversification and low fees. Just set it and forget it even during market corrections until you retire. Award. Arrest Your Debt is about helping others get out of debt and start building wealth. If you want to buy vanguard funds through fidelity you should by vanguard ETFs like VTI (the ETF equivalent to VTSAX). Personally I like the large and small cap separate, because I like to invest more heavily in the small cap (because FZROX and FZILX are pretty darn diverse and have zero fees. 3% to 0. It doesn't really matter. ETFs are generally more tax efficient than mutual funds when used in a taxable account. 9%. I hold VOO, VTI, BND, and BSV in my taxable account at Fidelity. 015%). As far as I have been able to determine, the tax advantages of ETFs FZROX & FSKAX are US total market style, FNILX and FXAIX are S&P 500 or "essentially S&P 500. (3) Most importantly, the combination of FXAIX and FSMAX appears to provide more broad diversification and to more closely approximate the total U. . thank you so much! What are the communities thoughts on FZROX? The majority of my portfolio is in this fund, ROTH and Taxable. There's almost never any reason to hold FXAIX with either one, and doing so does reduce your diversification and may actually reduce your expected long term returns. You are not an idiot. There's cycles of boom and bust. If FXAIX does well, FSKAX will also do well. . If it’s in a taxable account it isnt transferable to another brokerage. no, that portfolio doesnt really make sense. Spoke to fidelity and they recommend the Fidelity Freedom Index 2060 fund for my Roth IRA. I'd choose between FSKAX or FZROX. They also have Fidelity ZERO alternatives with a 0 expense ratio, so FSKAX has FZROX and FXAIX have FNILX. This is a dumb meaningless argument. I was thinking a 60/40 split between either FXAIX/FZROX and FDVV. I would put it into several different low cost index funds to cover the entire market, not just the top 500 companies. MFEKX vs FXAIX - Advise appreciated. 015% expense ratio = $1. I do not know why but would it be smarter to invest in FNILX and FZIPX rather than just FZROX? or does it not matter. You can not get it in a solo 401k, for example. FSPSX is my preferred international fund because it excludes emerging markets, which are risky and can have moral issues. Learn more about mutual funds at fidelity. If you want a mid and small cap fund, I personally prefer FXAIX is a mutually fund. Most (if not all) lost money during covid. You should be looking to hold FZILX or FTIHX though. It seems the biggest difference (apart from the expense ratio) is that IVV is an ETF that can be sold at any time during trading hours, while FXAIX appears to be a mutual fund, that sells for the Much better growth. You can just look at the performance history of any and you'll see they were down in 2022. 015% ER - that’s nothing. 06%. The holding allocations are different between FZROX and VTI. I wouldn't worry about purchasing ETFs for your roth account. What are the cons for FXAIX other than a less diversified portfolio? My understanding is that during downturns, having a total market index with mid cap and small cap can sometimes be beneficial. market, given how FSKAX weighs large-caps. FZROX would be cool if it had more holdings. If you only want to use one fund stick with FFIJX. Mutual Fund Research: FZROX. VTTSX had yielded 8% YoY over the last 10 years. When adjusted for dividend reinvestment and how often dividends are payed out in a year, FXAIX has the slightly better long-term trajectory. sn qa pc uy bg zo kz gf ys yc