Umarhussain wrote: ↑
Sun Dec 01, 2019 12:29 pm
Hi there, I am relatively new to this world of investing so please excuse my ignorance.
I manage my IRA accounts through Fidelity. So which funds are the most ideal for someone like me is looking to invest my assets into funds that are diverse and have the lowest expense ratio (and of course the best returns)? So far I have discovered The VOO ETF and the mutual funds FXAIX and FNLIX. Any others out there for me to look into? Thanks I appreciate it!
I have 100% of my equities invested with FXAIX (Fidelity 500 index fund) with the Warren Buffett 2-fund portfolio. I have my fixed income portion invested with 1 month t-bills bought at auction on auto-roll at Fidelity which costs $0.
U.S. large cap as a core:
FXAIX(Fidelity 500 index) Er 0.015 SP 500 index
FNILX(Fidelity Large Cap Index Fund) Er 0.00 Fidelity index 500 stocks
FSKAX (Fidelity total market index) Er 0.015 SP index 3500 stocks
FZROX (Fidelity zero total market index) Er 0.00 Fidelity index 2500 stocks
FZILX (Fidelity zero international) Er 0.00. Fidelity index 2500 developed/emerging markets ex U.S.
FSPSX (Fidelity international index) Er 0.035 MSCI EAFE index 900 developed ex U.S. and Canada
FSGGX (Fidelity global ex U.S. index fund) Er 0.055 MSCI ACWI 2100 developed/emerging market ex U.S.
FTIHX (Fidelity Fidleity total international index fund) Er 0.06 MSCI ACWI IMI 4800 developed/emerging/small developed ex U.S.
FXNAX (Fidelity total bond index) Er 0.025 Bloomberg Barclays index 44% treasuries,23% corporate,25% MBS 5.6 year duration
FNBGX (Fidelity long term treasury) Er 0.03 100% treasuries 18 year duration
FUAMX Fidelity intermediate treasury) Er 0.03 100% treasuries 6 year duration
FUMBX (Fidelity short term treasuries) Er 0.03 100% treasuries 3 year duration
FDLXX (Fidelity Treasury only money market fund) 100% t-bills and coupons
Classic 3 fund: FSKAX/FSGGX/FXNAX or FZROX/FZILX/FXNAX
Classic 2 fund FSKAX/FXNAX
Classic 2 fund Warren Buffett FXAIX/FUMBX or FDLXX or T-bills bought directly at auction
Or Target date fund - just make sure it says INDEX in the fund
Search menu for lowest Er, index, no minimum, Fidelity
https://fundresearch.fidelity.com/fund- ... 2Cexpenses