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Old 06-08-2021, 12:09 PM   #21
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Trying to figure out the 85/15.
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Old 06-08-2021, 12:11 PM   #22
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Passive choices:
Fidelity 500 Index Fund (FXAIX)
Vanguard Small-Cap Index Fund Institutional Plus Shares (VSCPX)
Fidelity Global ex U.S. Index Fund (FSGGX)

100% Fidelity 500 Index Fund (FXAIX) in 401(k)
100% Vanguard Extended Market Index Fund Admiral Shares (VEXAX) in Roth IRA
I will buy FZROX for Roth IRA because itís $75 a buy to buy Vanguard funds at Fidelity.
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Old 06-08-2021, 01:04 PM   #23
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I will buy FZROX for Roth IRA because itís $75 a buy to buy Vanguard funds at Fidelity.
Look for the closest Vanguard ETF and buy it instead of mutual fund--no cost at Fido. Fido has a great ETF screener to help you choose.
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Old 06-08-2021, 01:08 PM   #24
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Look for the closest Vanguard ETF and buy it instead of mutual fund--no cost at Fido. Fido has a great ETF screener to help you choose.
I could buy VTI. Whatís wrong with FZROZ?
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Old 06-08-2021, 01:39 PM   #25
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Originally Posted by target2019 View Post
Passive choices:
Fidelity 500 Index Fund (FXAIX)
Vanguard Small-Cap Index Fund Institutional Plus Shares (VSCPX)
Fidelity Global ex U.S. Index Fund (FSGGX)

100% Fidelity 500 Index Fund (FXAIX) in 401(k)
100% Vanguard Extended Market Index Fund Admiral Shares (VEXAX) in Roth IRA
Quote:
Originally Posted by F.I.R.E User View Post
I will buy FZROX for Roth IRA because itís $75 a buy to buy Vanguard funds at Fidelity.
100% Fidelity 500 Index Fund (FXAIX) in 401(k)
100% Vanguard Extended Market ETF (VXF) in Roth IRA
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Old 06-08-2021, 01:46 PM   #26
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100% Fidelity 500 Index Fund (FXAIX) in 401(k)
100% Vanguard Extended Market ETF (VXF) in Roth IRA
I have 100% VTSAX at Vanguard for taxable at Vanguard.

I will have FZROZ at Fidelity. It’s a zero fee. I can’t buy VTSAX at Fidelity since it will have $75 fee. I could buy VTI though.
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Old 06-08-2021, 02:17 PM   #27
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I could buy VTI. Whatís wrong with FZROZ?
Absolutely nothing.
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Old 06-08-2021, 02:25 PM   #28
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Absolutely nothing.
I would have chosen VTSAX at Vanguard but they were not going to credit me $135 total fees from leaving EJ.

Fidelity will so I created a Roth IRA at Fidelity.
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Old 06-08-2021, 02:26 PM   #29
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Just clarification: FZROX is Fidelity total market index zero fee fund. Not FZROZ, which is an error that keeps repeating.


I think FZROX is a fine choice since it is total market, although results will be similar to S&P 500 fund performance. Just a bit more diversification on total market.
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Old 06-08-2021, 02:28 PM   #30
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Just clarification: FZROX is Fidelity total market index zero fee fund. Not FZROZ, which is an error that keeps repeating.


I think FZROX is a fine choice since it is total market, although results will be similar to S&P 500 fund performance. Just a bit more diversification on total market.
FZROX, sorry.
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Old 06-09-2021, 01:49 PM   #31
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Is that your entire portfolio? You should view your investments in total, not account by account.

If you haven't read the page I linked previously, that's a good place to start.
I posted other accounts.
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Old 06-09-2021, 02:37 PM   #32
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I've owned both, and IMO, VTSAX and FZROX are close to identical.

PortfolioInitial BalanceFinal BalanceCAGRStdevBest YearWorst YearMax. DrawdownSharpe RatioSortino RatioUS Mkt Correlation
FZROX$10,000$15,247 16.58% 20.25%31.15%-14.15%-21.08% 0.801.231.00
VTSAX$10,000$15,273 16.65% 20.22%30.80%-14.13%-20.87% 0.801.241.00

https://www.portfoliovisualizer.com/...ocation2_2=100
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Old 06-09-2021, 04:29 PM   #33
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I've owned both, and IMO, VTSAX and FZROX are close to identical.

PortfolioInitial BalanceFinal BalanceCAGRStdevBest YearWorst YearMax. DrawdownSharpe RatioSortino RatioUS Mkt Correlation
FZROX$10,000$15,247 16.58% 20.25%31.15%-14.15%-21.08% 0.801.231.00
VTSAX$10,000$15,273 16.65% 20.22%30.80%-14.13%-20.87% 0.801.241.00

https://www.portfoliovisualizer.com/...ocation2_2=100
Thanks.
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Old 06-11-2021, 11:29 AM   #34
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1 fund should be optimal right?
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Old 06-11-2021, 06:37 PM   #35
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1 fund should be optimal right?
"Optimal" in what sense?
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Old 06-11-2021, 06:44 PM   #36
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"Optimal" in what sense?
To mimic a fund like VTSAX/FZROX.
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Old 06-11-2021, 07:52 PM   #37
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To mimic a fund like VTSAX/FZROX.
If you want to invest in the total US stock market, you'll need either a single fund that does so, or use multiple funds if there is no such single fund among your choices.

If you prefer using only one fund, and are willing to accept "something like" the total US market, then an S&P 500 or other fund will work.

If you don't have access to a single "total US market fund" then you have to choose between "one fund" vs. "total US market".
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Old 06-11-2021, 09:07 PM   #38
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If you want to invest in the total US stock market, you'll need either a single fund that does so, or use multiple funds if there is no such single fund among your choices.

If you prefer using only one fund, and are willing to accept "something like" the total US market, then an S&P 500 or other fund will work.

If you don't have access to a single "total US market fund" then you have to choose between "one fund" vs. "total US market".
Bada Bing posted:

85% FXAIX.
15% VSCPX.

What do you think?
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Old 06-12-2021, 06:46 AM   #39
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Bada Bing posted:

85% FXAIX.
15% VSCPX.

What do you think?
I think that agrees with the numbers in Approximating total stock market - Bogleheads for someone who wants to invest in the total US stock market but doesn't have access to a single fund for that purpose.
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Old 06-13-2021, 06:33 PM   #40
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I think that agrees with the numbers in Approximating total stock market - Bogleheads for someone who wants to invest in the total US stock market but doesn't have access to a single fund for that purpose.
Oh ok.

Interestingly enough. My then EJ FA put me on mostly passively managed funds here but all actively on my then Roth IRA at EJ. This tells me they want to make max commissions. I also did not see those 2 funds in the link you posted as 85/15?
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