THIS 3 Fidelity Index Fund Portfolio is ALL You Need
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- čas přidán 3. 07. 2024
- This Fidelity Index Fund portfolio of just three funds is the easiest investing strategy ever! Everything in just three simple Fidelity Funds. Don’t miss! How to Pick an ETF and the three EVERY investor should buy! • How to Pick an ETF and...
In this video, I’ll show you how to find the best Fidelity index funds for your portfolio and reveal that simple three-fund portfolio. I’ll then show you how to combine this with individual stocks for an even higher return!
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But don’t confuse easy with not as good. In fact, the simple three-index fund portfolio I’ll show you in this video would have beaten more than 80% of the professional money managers over the last 10 years with a 13% annualized return. This Fidelity Fund strategy will not only take the guesswork out of investing and beat most fund managers but will also help protect you from some of the worst investing mistakes you’ll make!
Like Vanguard Funds better than Fidelity? I used this same strategy to reveal the five Best Vanguard Funds here! • 5 Best Vanguard ETFs E...
0:00 An Easy Fidelity Index Fund Portfolio
1:28 Best Fidelity Stock Fund
2:28 How to Find Fidelity Index Funds
3:06 How to Compare Fidelity Funds
3:20 Are Fidelity Fund Fees Worth It?
4:40 Best Fidelity Index Fund for Real Estate
5:50 How to Invest in Fidelity Index Funds
9:28 Best Fidelity Fund for Bonds
My Investing Recommendations 📈
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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
😮 The ONLY stock you need! If you invest in ONE stock, make it this one! czcams.com/video/gs4-TVW5vmg/video.html
What your opinion of fkiqx? It took the place of fkinx.
Hey Joseph, what would be the best way to invest in insured cash sweep?
You can never say never to opportunity like S&P 500 ETFs, VOO which is up. I’m being instructed by an intelligent investor to buy more anytime it drops, cashing up along the way on every moves, also incorporating new stocks.
SPY, IVV, VOO, VTI hitting the scene so far. These ETF's doing just fine.
How effective is your spreads trade with this concept and which stocks should I consider in my fidelity.
Stocks is not only about anticipating moves based off trends but anticipating through participating behind real top performers and attain how they execute perfectly.
I'd say margaret ann myatt the intelligent investor is a top market overachiever.
l've been getting suggestions to use a proper enlightened top tier, please help, I’m trying to figure out your selected holdings at the moment
Thanks Joseph. This was useful because my employer-Healthcare company (Sutter Hospitals ) on the west coast uses FIDELITY for their 403b. I need to go on the website and see what I chose a few months ago. But if these funds are available I will look at them. Even though I can retire in 3 yrs, I will still contribute....I haven't amassed a lot of money. And I will be following you even after that. Thanks! (OMG, Average Joe investor on CZcams has a video on fidelity index funds. Will watch that too! Oh, that was a year ago).
Thanks for the EFT tip, I've been buying the fidelity mutual funds.
Great video. Love the ones when you focus on high returns would love to see more like that and less dividend that pay you this much videos. I think a good one would be going over your portfolio and your highest convictions. Great job
I use Fidelity as I like the broad range of options that they offer,
Hi I’m Cole & I’m an addict too 🤣 glad to be here with the bow tie nation support group!
I use the Fidelity sector funds, hold the real estate, staples, utilities and financial shares, long term.
They are very underrated and have the lowest expense ratios for sector ETFs.
I use a Fidelity total market mutual fund, FZROX, in my ROTH. It's zero fee and tax free.
I have that as well 👍👍
In it's short history, 4 years and 5 months, FZROX has outperformed VTI & VTSAX. The performance lead varies by 0.20% to 0.24%.
Example of DCA from 2019 to end of 2022:
- VTSAX 5.30%
- FZROX 5.53%
Same here
I’m In Line
FREL ETF is an excellent REIT, I've had it for over a year and it's been pretty solid with consistent dividends. I own individual real estate stocks that swing up and down, FREL has 171 real estate stocks that balance it out really well, which is why I also like FSTA.... Fidelity's not the biggest dividend payer, but they really know how to balance out the stocks in their ETF' thanks Joseph.. 👍
Thank you very much Joseph for your hard work to help us to make wise investing desicions.
👍👍
Why not FSPGX as a growth fund with super low fees? Whats the deciding factor with FBCV vs FSPGX?
With all of the current events, what is the best approach to profit from the present market? I'm still debating diversifying my $400k stock portfolio to obtain some profits while minimizing risk.
Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.
With the help of an investment advisor, I was able to diversify my $550K portfolio across multiple markets, and in just a few months, I was able to earn over $950K in net profit from high dividend yielding stocks, ETFs, and bonds
Pls who is this coach that guides you? I’m in dire need of one
Having a good FA is essential for portf0lio diversification. My advis0r is *Sharon Louise Count* who is easily searchable and has extensive knowledge of the financial markets.
Excellent video on fidelity, giving ur subscribers the benefits w o direct compensation. A+
Question: on the market future, when do u see the bottom? Why?
I love using Bond proxy like Preferred stocks & baby bonds under par....lots of under par Investment grade on sale RIV-A, ADC-A, PRH, PSA-S, DTG, just to name a few. (All yielding over 5.5% and YTC is higher)
A similar Ishares and Fidelity ETFs can do the same. 65% into ITOT, 25% into FREL, and 10% into STIP/AGG.
Thanks for the video! I use the 3/4 fund portfolio idea and the core-satellite strategy too. I like Fidelity for their Zero funds (no expense fee). I have 3 and 4 fund portfolios using these funds. I think you'll finder lower expense ratios than their ETFs if you look at their index mutual funds.
How does FBCV qualify as an index fund? Holding only 76 stocks with a turnover rate of 54% this is about as actively managed as anything out there. And an expense ratio of 0.59% is hardly cheap. Why not just jump Into FXAIX which invests in 500 stocks and has an expense ratio of 0.015%. Very confused by this video.
I'd be curious to hear why you think bonds are of value in longer term portfolios especially given the drop we have seen this year. The potential return LOST on the 10% from what I have seen strongly outweighs the "protection" aspect given long term horizons as long as you are confident in your ability to withstand larger potential drawdowns. Cheers.
My wife's 401k is with Fidelity now and I use Scwabb sometimes I think their as good or better than the Vangaurd Blackrock, and of course the Global X, when u have zero shame, also I'm going with Truist and Td over Boa and Wells Fargo.
Thanks!
Thanks for this video Joe. I like Vanguard ETFs more due to lower fees on passive ETFs. I own one Fidelity fund, Fidelity Growth Fund, through a 401K. Have owned it since 1998. Considering reallocating into bonds and real estate over the next 2-5 years.
Great video !!!
Well, here's my take at Fidelity: FDIF, FREL, and AVGE for equities. Add a T-Bill ETF and an intermediate Bond ETF plus the money market fund SPAXX and you are set. Drip them and add to them when you can. My portfolios are at Fidelity - 4 IRAs and 2 taxable accounts.
Hello Joe. All the best on your journey to FL (my former employer) and may good things keep coming to U and your family. Got the information and will look into it in Dec 2022. Thanks
Joseph, love your channel. How about a video on the FAANG stocks now. Are they still a good long term investment? Thanks
I like your videos! Thank you.
I would like to share a better option, in my opinion, than: FBCV, FREL, FBND.
My suggestion is: SCHD (55%), SCHG (30%), SPYI (15%).
As a retiree, I need income as well; thus, SPYI instead of a bond fund. Good luck to all.
I agree here. Ditch the bonds
I like your approach. Of course, I'm biased. I own this stuff, too. SPYI is a much better income approach than bonds, imho. Totally skip the bonds. SCHD is a very good foundation fund. I have FXAIX as well. Both doing fine right now. I see real estate as a fringe sector. I like a growth fund instead. Good picks. Good Luck! Cheers
I like fidelity. More user friendly and for people starting out there is no minimums to get started. You can also buy fractional shared opposed to vanguard.
I like how they allow you to buy by the dollar amount too
With fractional shares the more you invest will it eventually add it to your fractional share to make it a whole share?
@@mitty3674 yes
Yes. I like Fidelity for some reason vs others & vanguard
Hello Joseph, new subscriber. Interesting timing - doing some year-end assessments and, wow, I am humbly admitting my mostly individual stock portfolio has performed very poorly over the past two years, and the timing could not have been worse at my age. My concern for the S&P's sky high valuation has led to some moves that seemed reasonable but simply have turned out poorly thus far after two to three years. I will be spending 2024 strategically moving funds back to ETF's and away from individual stocks - ouch - but glad I found your channel. One minor point - my FTBFX bond fund has performed poorly, down 5%, while the FUMBX and FXNAX bond funds have fared much better over the past 2-5 years. Thanks!
I just recently started a new job and the only options they give me was FFF founds I don’t know which to choose.
Thank you Sir….
Great Info
Just purchased some ishares STIP bond fund with a 6% dividend yield and a.03 expense ratio
Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio.
>You’re right! The current market might give opportunities to maximize profit, but in order to execute such effective transactions, you must be a skilled practitioner.
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
How do I Find this Lady?
There are a lot of independent advisors you might look into. But i work with Nicole Desiree Simon , and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
Looks like a great time to watch or buy BLV im a little shocked how much its getting killed. Looks like one of my growth stocks ouch.
Yes I have the same thoughts about buying funds vs individual. I know just sticking with index funds is best and easiest and a lot of my money are with funds, but I too love picking and tracking individuals. Im glad I think the same as you.
Thank you
REITs are still exposed to the same downside as the rest of the equity market. To me, it has seemed like you need to directly own the real estate yourself, instead of owning a REIT, to get a return that is less correlated to US equity market.
I prefer Fidelity. I had Vanguard, and it was a chore to get through their web pages to contribute to my Roth and invest it. Fidelity is sooo much easier!!!
Should I keep my paid everyweek system stocks, just bought 2 more shares of each Friday, also I always prefer Scwabb and Fidelity and Td bamk, over Blackrock, Vanguard amd Washington mutual, now that I got around 50k total in Global x and 30x in your paid everyweek week plan, I'm thinking I leave drip off the ones I just mentioned and than put drip on for Imdex funds, Dividend, aristocrats, etc, anyway you in Florida yet Joe?? Hot?
For sure
I entered FBCV in the fidelity app and already got a warning about the risks related with this ETF. Not the best idea recommending something like this.
Since you asked about fees. Are not results inclusive of the fees???? If so, choosing a fund by performance results might prioritize choosing by low expense ratio, to a relative degree.
What 3 global x funds would u ise to do this? I have a brokerage account at my old bank w/ a few hundred in it, getting a 25k check and was gonna take 7k to pay off my wife's car, than try and set and forget an index port w/6 or 7k each and have dividends reinvested, I can't fix my main one you got me in to deep.
Thoughts on 90% Fidelity Index World - the other 10% in Fidelity Index Emerging Markets?
Can u auto invest with ETFs?
I could make an educated guess, but can't belive no on e made this video on a 3 to 5 Stf or index, fund glb x portfolio, I know it's a little crazier but I'm a crazy guy.
I'm a big fidelity fan! Go fidelity!
It's hard not to like them with all the things they offer.
- $1 minimum for Index mutual funds.
- Zero expense ratio index mutual funds.
- Best performing S&P 500 fund (FXAIX).
- Fractional shares for all ETFs.
- Lowest expense ratio Sector ETFs.
- A flat 2% cash back credit card.
- A free checking account in the USA.
I invest in the TSP and was wondering if I should dump all my money into this or invest heavily into ETF’s or this strategy. Problem with TSP is I do not receive any dividends, it all gets re invested. Which is not a bad thing either.
In TSP you also do not get to choose where your withdrawals will come from. TSP takes equally from all funds you have. Also, if you roll out your TSP upon retirement, if you have Roth TSP, rolling into a ROTH IRA will omit the RMDs. Lastly, you get more investment fund options with Fidelity (or Vanguard or Schwab). Please verify this with Fidelity or some other trusted source.
Expense ratios are too high with Fidelity funds. Go with SCHD .06%. Set dividends to reinvest and then ignore it.
Huh? Are you serious? Fidelity Index mutual funds have the lowest expense ratios in the industry.
- FSKAX (Total USA) has a 0.015% expense ratio. VTSAX is 0.04%. ETF VTI is 0.03%.
- FTIHX (International blend) has a 0.06% expense ratio. VTIAX has 0.11%.
- FSPGX (Large cap growth) has a 0.035% expense ratio. Vanguards' VIGAX has 0.05%.
@@akin242002 Fidelity also has the 4- 0% index funds..total market, international, large cap and extended market plus another total market for .015%
@@akin242002 I love these and just reevaluated my portfolio to these. I also had to get the semiconductor mutual fund for some aggressive growth
I have 85% FXAIX in my t401k and 100% FZROX in my Roth IRA.
FZROX is good. Just curious, why did you go with FZROX vs FSKAX?
@@randomdude8897 No ER.
@@Imran-Lalani fair enough. I was just curious as I have the FSKAX in case I want to go to another company, thats why I didn't go with any of the Fidelity Zero options. Thank you for your reply.
@@randomdude8897 I can still sell FZROX at Fidelity without being taxed and go elsewhere.
@@Imran-Lalani I understand, but that requires you HAVING to sell it off which means getting rid of the shares compared to simply transferring it to the equivalent elsewhere.. But I was just curious. Thank you for your response.
I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.
Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.
How long have u been investing in this portfolio and what have been your results?
I know this is unrelated but is there a good case for owning voo and vti on a roth? 10-15 years time line. You've always helped me make sense of things so I figured I'd ask you on your latest video. :)
@@calmman32 i was looking at seeking alpha and if I read it correctly, it overlaps somewhere around 84%. This is why I am having such a hard time understanding why get both instead of vug voo vbk as an example.
7:36, this is where I gave you a thumbs up lol
GREAT video! Can the funds you mentioned be held in a Roth IRA?
We selected the VTI for our Roth for the last year, but after seeing this I'm considering looking deeper into these funds you mentioned.
I personally have several fidelity funds in my Roth IRA! One account I have is a fidelity GO acct with all ETFs and mutual funds that they manage!
Mr. Hogue, just stumbled upon your channel. I am a veteran as well, and hoping the Marine, will take financially good care of this Army Captain Afghanistan. Don't have a lot of 💰, but would like a monthly return on the investment. Thank you sir, and God bless you.
Hi Sir, Thanks for the video. Can you please share your opinion on Quantumscape. Is it a millionaire maker stock? thanks
QS is speculative may do well in future they need to get their product to market first
FTEC looks good
You advise investing in 3 ETF's but you don't mention allocation percentages...what percentage allocation do you recommend for each of the 3?
he says, VTV/FREL/FBND invested at a ratio of 65/25/10%
Your thoughts on fidelity go. I’m down 6% in roth. Was 70 down to 60 for level of risk
Will I be better if with the 3 funds in video?
I have a couple accounts with fidelity GO and they are already starting to recover.
FREL lost 1/3rd of its NAV during the plandemic crash. I'm looking for double digit returns in a bull market and a reasonable result during a bear or sharp downturn. i.e. No more than -5% losses. FREL was 35% lose overnight....
Where did u move in Florida ?
Fidelity
How often would you rebalance this portfolio?
Is this fidelity funds good for Roth IRA to invest
Joseph, do you think I should wait a little bit for some of these to drop a bit?
Rob?
What about FXAIX? Still researching indexes, but I'll probably just set my percentages like you did in this video. 👍
It’s fine .02 expense ratio, sp 500
It’s a mutual fund not an etf though
FXAIX is still a low cost index fund. Good choice or you can choose the Fidelity Total Market Index fund, FSKAX. It's slightly better or you could invest in both
@@stevencloninger1020 investing in both would just mean that you alhave exposure all over us market correct? I only currently have FXAIX but im thinking if I should buy FSKAX
nice!
Need some tech in the mix
Timothy plan defensive fund
Can u do a video focusing on the best way for us to compound omterst wether its the high yield savings, Cedit union, Monday Market or stocks, Bonds and Etfs, gotta be honest some of these kids make videos and I'm like if started 3 years earlier and started this with my bulk 2 years ago I could by 3 years from a million, but even in an etf or index fund, even in Gold, diversify correct??
Are dividend and capital gains automatically reinvested into IRAs considered as part of the yearly contributions?
no
FSKAX, FTIHX and fisvx is all you need
What percentage you using for each? I have the same 3 funds in my 401k. FSKAX 60%, FTIHX 20%, and FISVX 20%.
I don't know about this one. Fidelity ETFs haven't been growing.
A bond fund that only gets 2% is a money loser by definition in direct contradiction to what he's claiming. Wth?
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
Vanguard for index funds, Fidelity for single stocks
Vanguard requires 3k minimum investment
Joseph, I think your title is misleading. Your title mentions “index”funds yet you are discussing actively managed ETFs. Confused.
Following Warren Buffet’s advice I’ve started a position in SWPPX. Super low expense ratio and tracking the S&P 500 with a lower entry point.
I never heard of Jennine Glynn, but what do I know?
@ 07:20 this was the main point.
Bonds funds did not protect us these past 2 years. They went down along with stocks. I’m buying 3 month T-bills on the fidelity secondary market & possibly some 3 month brokerage CDs with fidelity instead of going back into vanguard’s BND or fidelity’s FBND. You can buy T-Bills, bonds & notes or CDs in an your IRA if you like. Just don’t use Treasury Direct.
Why not use Treasury Direct? What's the problem???
what about ORC? Buy the dip? set the drip? singing ORC ORC BABY!
I wonder why you don’t include Fidelity’s FSELX fund in any of your discussions.
The 10 year return is much higher than any ETF you’ve mentioned
If you only buy stuff you plan on holding 5 years or more diffrent right? Trying to buy up my Florida, got to cocky Ft. Locker, Bright healthcare, Ft. Locker for the dividend is a disaster, 5.5 down to 4.3, and 16 outta 16 analysis saying sell 🤣🤣, so if I got 20k left to put in before the sh-t show, do index funds with drip?, buy groceries and stuff the Roth w/ Qyld??
With inflation currently at about 20%, my primary concern is how to grow my reserve of £250k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but my savings are lying waste to inflation and my portfolio
losing gains everyday.
There are loads of ways to make a killing right now, but such high-volume near impeccable trades can only be carried out by real-time experts WITH ISDA Agreement. An agreement that lets investors sit at the "big boy table" and make high level trades not available to amateurs. Trying to be a high stakes trader without an ISDA is like trying to win the Indy 500 riding an llama.
I'm sure the idea of a financial-Adviser might
sound controversial to a few, but a new study
by investopedia found out that demand for
Asset-Managers sky-rocketed by over 41.8%
since the pandemic and based on firsthand
encounter I can say for certain their skillsets
are topnotch.
I've raised over›$580k, from an initially
stagnant savings of $120K all within
16months.
@@michaelfranklin. wow!!! how are you able to achieve all that given that the market has
being a mess most of the year?
Asset Management is what people who don't
want to leave things to their own luck depend
on. Many People only become self-aware after they make a blunder or two, some never learn Those are the same type of people who also always gamble at casinos. Having a Financial Adviser is key to portfolio growth and securing one's wealth. My advisor is '*Roy F. Thomas* He has years of financial market experience.
Im not endorsing or referring anyone or any company to manage rpm apartments if they cant sit down with me and communicate properly and im freezing all company credit cards in the middle of there projects with no money
Why not qqq
FSKAX and chill.
Funny to watch this a year later. FXAIX, FSPGX & SCHD is all you need
Addicts is not us. We just like to play. We, like all animals, learn by Playing. We have to play to learn social skills, physical skills, mental skills (like math ...). All creative art was created by artists playing, be it with forms and colors, sounds and music, words and syntax, choreography.... All advances in science, strategy, tactics and weapons technology, architecture, economic and political theory, have resulted from creative thinkers playing with ideas, tinkering with concepts, testing out hypotheses. You can't come up with new ideas if you don't play with ideas. The best way to learn a new language by playfully playing with it. When we stop playing, we stop learning, and when we stop learning, we are dead, and we don't know it. But.
But little kids play in a sandbox, because it is less risky than playing on the highway. So we don't want to play with money we can't afford to risk. We only play with play money, money we can lose without blinking an eye, money that does not affect our budget, money we have no other use for, than to play with it and have fun in the market. While honing our skills!!!
FREL gonna go lower, I'd wait on that one.
So you buy a fidelity index fund and you lose less than you would have with a different investment strategy. My own game plan is to hold CASH and take the loss in value because of inflation so I can re-invest when the market finally drops 80 percent, similar to what happened when the Great Depression took hold.
Great plan if it works out.
How long before you think you will be able to implement your plan.
I hate to break it to you, but FBCV is NOT an index fund. The video is off to a bad start!
You have bow tie 🎀 therefore you are fidelity rep -- don't lie!
You will pay a lot of service charge on Fidelity vs vanguard
After 12 months most of picks have lost or flat lined. Buy a house is a better investment.
Anyone who invests for lower expenses will struggle to keep up with inflation.
Nie obchame tova koeto narichash lugnica❤
Can't you show up-to-date charts and not from last month....FBCV is Growth? hasn't moved in over a year
My thoughts exactly. Might as well stick with Vanguard for ETFs
@@hawdarkshooter what's the difference between ETFs and index funds
My mortgage rate is 1.87 should I pay it off with my inheritance money ?
I wouldn't. You can invest that money in super-safe bonds or Treasuries and make a lot more than 2%
@@josephhogue is it low risk and where can I invest it in fidelity brokerage? Apps