Please know that I will try my best to respond to your comments, but I may not make it to all of them. Also, there exists a nefarious element that will try to spam or scam others. I will never ask for personal information or ask you to send me money in any form. Those are scammers. Also, I am not a licensed financial advisor, so please do not request personal advice with your funds, as I am unable to overstep those boundaries. I am here to share information as best I can. WHAT TO WATCH NEXT: ♦Where to Park Cash: Guaranteed 5-6% ua-cam.com/video/0wSxTAxUVe4/v-deo.html ♦Best Bank and Brokered CDs | Guaranteed 5.8% MYGA Return!: ua-cam.com/video/WROae6XP4P8/v-deo.html ♦Investment Ladder Strategy with CDs T-Bills and MYGAs ua-cam.com/video/J_wCv8TtnIk/v-deo.html ♦The 6 Best High Yield Bank Accounts of 2023 ua-cam.com/video/de7nzQUzjzg/v-deo.html
That is why I work with Stacie Lynn Winson, who introduced me to a better financial community, a verified organization where I learned how investing works and how to invest proficiently, as well as free books, courses, and daily lectures. You also get to meet new people, which was the best decision I ever made..
Some great funds explained here, but one very important thing that is shown here. When looking at funds, make sure you check for overlap. If you were to buy all of these funds, you'd be buying a LOT of APPL, GOOG, TSLA, AMZN, etc.
Yes, that is very true I do cover that subject in great detail in another one of my videos where I actually created a spreadsheet that maps out all of the different companies when it's in each of the different funds. It was really difficult to make, and I'm not sure that I would duplicate it for a future video. Have that one in my top ETF video
I look for the same overlap. I have 4 ETF’s in my Roth. Vti, vym, divo and spyd. Next year I’m adding sphd. Very little overlap. Vti for the growth and other 4 for the very good dividend yield.
@@BusinessWithBrian how the Nasdaq composite index can be a good one to buy if it doesn't have capital gains so what's the gain or reason to buy? can you please briefly explain i dont get it
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
While you picked all great funds I think it is a very low probability that your account value will triple in just 3 years. Being 100% in equities significantly increases your risk to have a 50% drop in value. Over 10-20 years this account fund mix should perform very well.
Fidelity's high-growth index funds are designed to track indexes comprised of companies with strong growth potential. These funds offer investors a way to achieve long-term growth by holding onto investments in companies that have the potential for significant expansion. This strategy can help diversify a portfolio and potentially yield favorable returns over an extended period.
Indeed, the prospect of purchasing additional stocks and index funds during market downturns can be daunting and challenging for many, including myself. I have $260k that I intend to move into a Stocks & Shares ISA, yet taking that step can feel quite difficult and intimidating.
A Financial Advisor is essential to safeguard your investments from market risks and pitfalls. They offer personalized advice aligned with your risk tolerance, making them a top choice for reliable guidance. Although there are subpar advisors, those with a proven track record can be a valuable asset.
@@hunter-bourke21 Kindly share the details for reaching your advisor. With inflation negatively affecting my funds, I'm in search of a more lucrative investment strategy to optimize their performance.
"Camille Alicia Garcia" is my portfolio-coach, I found her on Bloomberg where she was featured, I googled her name on the internet. Fortunately I came across her website and reached out. You can go verify yourself.
After conducting an online search of her name, her website quickly surfaced, piquing my curiosity. The initial impression is positive and I intend to arrange a call with her. I'll make sure to provide you with updates on how it goes. Thank you.
51 years old. I have $295,588.25 in my Fidelity retirement account. I cranked my contributions up to 35% with the help pf Norman Vitalii. Fidelity just holds my ETFs/stocks. I made that change earlier this year. I'm hoping to end the rat race by 60 but it's looking more like 63-ish. I want to have $1.5M and bring in about $60k in dividends each year.
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.
I’m a contractor, and my job doesn’t permit me the time to properly analyse my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.
@@darnellcapriccioso Finding financial advisors like Margaret Johnson Arndt, who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@tatianastarcic Impressive, will definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
Dividends are what got me into investing in the stock market. The thing to me is, if you invest and have other income outside of dividends then you will be able to live off dividends without selling. Which means you can pass that on to your kids which will give them a leg up in life. Have over $600K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops further.
@Darrius427 I've been skeptical about the banks for a long time, to be honest, but didn't know how to get started with an advisor. If it's okay, can I know who your advisor is, because I need some recommendations?
Hello @jessy830 I hope you can answer just one question. Can you invest into stocks through fidelity to receive dividend or it has to be by specific brokers like ameritrade, Robinhood, or any other. I am sorry for the dumb question is that I am a 22 years old self employed and I been looking to build my retirement account since what I do I get no 401k or any benefits. In other words, can I use fidelity for as my one stop investing account?Please if you help it would be great. By the way, you are great role model for your kids and I am sure they would appreciate that. I wish I had the same luck your kids have.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Amber Dawn Brummit" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
Well its nine months later. My mm went to 5.30 and i made 25k so far. Ive been with 5 different investment companies and have never made that amount yet. Im considering this a success.
I have kept my eye out over the years whenever there is a printed review of portfolio management software. I can say unequivocally that there is not a better all-around portfolio management software program out there today. Norman Vitalii handles everything... even those esoteric transactions that no one thinks about talking about in the media. And, Quicken is not sophisticated enough to handle the transactions as seamlessly as Norman Vitalii
I liked the portfolio and it would definitely grow over time. Very interesting and glad I found your channel, love these topics and I am always curious about what other investors are building in thier portfolios.
Good morning Brian! Great video. I know everyone invests differently. In your opinion how many index funds would you prefer someone have in their Roth portfolio? Thanks again
Question: @2:16 you said "as a long-term capital gains regardless of when you bought the fund". Do I understand you right that the capital gain from the fund will be reported as "long-term capital gain" even if I hold the fund for less than a year? Thanks.
Brian, great job for the Fidelity fund info. I just retired and am planning to deal with my 401K money. Fidelity funds are in my consideration to transfer money to. My questions: are those capital gains, dividend yield and expense ratio numbers are included in the 10 years and 3 years return number? Thanks!
Those are all perfect questions. Yes the final performance numbers shown take into account the dividend yield being reinvested and also expense ratios. If you ever have a question about Fidelity specific ones, their site outlines these details in the perspectus as well.
Starting early is simply the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, I am able to build a suitable life beause I invested early ahead. Thanks to Norman Vitalii for aligning my individual's risk tolerance and financial goals
Thank you for the great content. I am curious what your views on the Fidelity Zero funds. They are advertised as index funds with zero fees, but I am not sure if the fees are just hidden or if there is a downside to them.
Thanks for your comment and question. They are solid options, and I included them in my file in the video description. They overlapped other funds, and they don't have as much historical results to compare, so they didn't bubble to the top. But they are great options that bring customers to their platform. It's a passive enough index that they won't lose much, and they hope it gets new customers that buy other product where they do make money.
The only downside I know of regarding the Zero funds is that they are not portable. You have to hold them at Fidelity. Otherwise, they very closely approximate major indexes and perform very similarly. The portability issue is not a big issue to me, but might be to others. I'm invested in FNILX and am very happy with it.
At 28 years old, I'm just beginning my journey into index fund investing. I've done some research and I am aware of the small overlap between FSKAX and FSPGX. Would it be a smart move to start with $10,000 in FSKAX and $10,000 in FSPGX? I also plan to add monthly contributions to each of these index funds.
Hey Brian, I am a new subscriber and love your content. I just started watching your videos. It's extremely valuable for me. You video on "Best AI stock to buy in 2023" was a game changer for me. Thank you and appreciate it!! I have one request "can you make video on how Divided is earned in a simple format for beginners and advantages of compounding it back to the stock, Appreciate it
Awesome, thank you! I can definitely touch on that subject more. I've tried to explain dividends in a few other videos, it can be misleading and in some cases almost a safety blanket. It's definitely an area I can cover further with some more fundamentals.
Great video. If you were to select 3 from the 8 which ones would you recommend? Also, perhaps, Fidelity International Index Fund - FSPSX could be a good consideration to diversify the other selected funds out of US based index funds into international. The semi conductor index funds look good, presumably focusing on AI as well? Thoughts?
I just opened my Roth IRA on July 1st.. $2500-FSKAIX .. $1000-FZILX .. $1000-FSELX.. $1000- FZROX & $500- FXNAX.. I’m already up over $120.. I wanted Diversification so I did S&P500, Total Stock Market, International Market, Tech Market & Bonds.. I want to set it & forget - Just let it GROW! Any Tips or Advice?? Thank you all & GoodLuck..
Wild question, but do you offer any consulting services?.... for a fee? I keep watching these videos from you and other content creators, and it seems great. But when the video is done, I don't know where to start. It's information overload in my brain.
That's a great question that I often get, unfortunately since I am not a licensed financial advisor, I do not consult on these topics. I do most of my consulting to larger companies on different topics. I get it, some of these topics and items can be a lot to digest. If you have suggestions on things that I can do in the videos that would better help you, please let me know
@BusinessWithBrian understood. Table/Charts are very helpful, so include them when you see fit. IF you ever do get to providing a paid coaching/consulting service to the common folk as myself, please put it on this channel. There will be plenty to take you up on the service. I'll think of Subscribing for the moment so I don't miss out.
Everyone does it differently. Every month, I plan to invest a certain amount I have left over from my income. I tend to either split the amount I'm investing among several funds or alternate between funds. I do it every month with the intention of holding long term. Mutual funds are awesome because they average all of your shares, and your basis is based on average. One thing to be mindful of is that some funds have a minimum buy in, and even a fee for buying shares, you can check all the details for this on the prospectus for the fund.
I've been in FXAIX for years, but I wanted to see if there were some other Fidelity funds that I hadn't already known about. I've recently been looking at FSHCX fund, but the Semiconductor and Growth and Income funds look appealing as well. Subscribing for more :)
Brian, thank you for this video. I have own two in your list. Could you please help for comparison on SMH vs FSELX, which one is better? or make a video for it? Thank you.
Interesting you ask that. I plan to do a video on Mutual Funds and ETF covering Gold/Silver. I'm just trying to figure out how to make the topic more broad. I don't have a recommendation right now, as I need to do a lot of research. Thank you for the question, and I hope to have content on it soon.
@@BusinessWithBrian How about combine it with BRICS stated goal of dethroning the US dollar? Whatever you decide, I'm subscribed so hopefully you will decide how to make it more broad. The reason it appeals to me is to diversify in the unlikely chance BRICS has some success. Highly doubt it since if Putin goes to their next BRICS meeting in August in South Africa, SA is a member of ICC and is obligated to arrest Putin on the warrant.
My portfolio has good companies, however it has been stalling this year. With the present inflation and dollar devaluation I just got my money out of the bank, I invested some in gold and silver and I’ve approximately $700k stagnant in my reserve that needs growth, any suggestions to grow my portfolio will be highly appreciated.
I thought this was going to be the start of one of those threads with all of the bots saying to hit up some sort of 'financial advisor' on another app that rhymes with hellagram
No, I haven't had anything specific to balancing with regards to taxed accounts. But I do go over balancing for 401K accounts in this video: ua-cam.com/video/rHT1EL-w_BY/v-deo.html
Hi Brian- curious to know when this video was made and if you have any information/ comments on the Fidelity Zero Funds with no fees- what’s the catch?
This was made 2 years ago I think. One I can definitely update. My point of view is that the 0 fee ETFs are perfectly fine. They're just an entry drug to get you to be on the platform to invest in their other areas. It's a smart strategy on their part, and they're really good performing funds
I believe Vanguard funds are less expensive expense wise...I like VGT. It is a ETF. The tech sector has ruled since 1988. Everywhere you go people are doing what? Looking at a cell phone. That is where the future is going. Someday your airplane will have no pilot. Your car drives itself. Your cell phone can read your thoughts? Cheers!😊
Brian, I am a newbie in this space so my question is pretty basic as well. If your 401K allows you to buy why not just buy SPY ETF ? Appreciate your insights.
No problem. If your 401K allows you to buy SPY etf, then it's a solid choice where the expense ratio is low, as is the turnover. This video was specific to mutual funds, but I have other videos that are specific to ETF. Hope that helps.
Yes, I've done a few videos on ETFs, and I'll be planning to do more in the future. QQQ is a solid choice, and I have quite a few funds in that particular one
Newbie here .. Sorry for the dumb question. For example FSHCX is returning around 14.5 % at both the 3 Year and the 10 Year mark. That means a person making an investment before 10 years only made 14.5 % for the 10 years which is close to 1.45% / year ? Am i missing something here ?
Yes you're missing a key point. The total return is the total annualized average return. That means it's the rate it's receiving each year as an average. Some years it may be much higher and some it may be lower, but the average is at the total
You're in luck. I already have a couple videos on the subject, and I will certainly be making more specific to ETF index funds. There's a surprisingly large demand for knowledge on mutual funds, but as I state in many of my videos.......ETF are far superior (my opinion). Thanks for the comment.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inheritance portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
I've come across a lot of recommendations but this one stands out. Jenny's resume is pretty sophisticated, and shows she was active during the last bear market, I also emailed her. Thanks for the info!
Hi Daniel, I'm not sure if you recognize that the video is about Fidelity mutual funds. VOO is a vanguard ETF. Which means it's not a Fidelity mutual fund. I have different videos specific to ETF.
Oh, and as a reminder Daniel you can look at the spreadsheet of all the different fidelity mutual funds that I had compared including ones that aren't in the video. All the links are in the description.
Thank you for asking. I do not do consultations for personal finance, since I am not a licensed financial advisor. I only do consulting work for large corporations.
To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Norman Vitalii focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. His skills set is top notch.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
I’m saving and investing around 70 percent of my income in the financial market(high yield etfs, stocks etc) pretty much how I made my first million although with an FA. I have a high paying engineering job, and I live upstate NYC. my expenses are low. I have zero debt, low rent and car truck paid off. So i can just save. feel lucky at this point I'm actually grateful Norman Vitalii handling my portfolio
be careful with all of this when you want to cash it in. fidelity sells are often not on time and go through other 'clearing houses' resulting in different results when you push the sell button.
If the mutual fund starts the year with 100 stocks but replaced 15 stocks by the end of the year (15 divided by 100 stocks) it has a turnover of 15%. The higher the turnover the higher the cost to investors because of capital gains taxes
That's a tough question to answer. I own LOTS of index funds. You may want to watch this for an understanding of diversity within the portfolio: ua-cam.com/video/5mvy3wCfDvo/v-deo.html
I have a 401K from a previous employer that I need to do something with! Is there an IRA that invests in these Fidelity funds? I apologize in advance, I'm a financial illiterate 🙂
It's a little tricky to explain, but the IRA is an account that allows you to save for retirement in a way that is tax-advantaged, in accordance with government rules. Within the IRA, you can invest in almost anything, including these Fidelity funds. There are a few exceptions, but generally you would be able to buy Fidelity funds even if your IRA account was at another brokerage, such as Vanguard, Schwab, etc.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Maria Reyes
My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
I really appreciate the dedication in each video you post. To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Norman Vitalii focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. His skills set is top notch
I hit $90,000 today, starting just two months ago in 2024. Financial education is crucial for more than 70% of the society, as very few are literate on the subject. Thanks to Norman Vitalii’s team for helping me achieve this milestone and for their continuous support.
I experienced friendly, helpful and efficient service. My request was attended to in a very professional manner and in the time mentioned. I look forward to dealing with Norman Vitalii in the future
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Angela Lynn Schilling is who i work with and she is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.
I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market. All thanks to Norman Vitalii for is guidance
Pray tell me why you list capital gains in $/share terms. You don't even quote the share price, so stating the capital gains numbers is as close to meaningless as it gets. $1 of capital gains on a $10 price is very different from $1 of capital gains on a $100 price.
I didn't become financially independent until I was in my mid 40s, in addition to owning a second house making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future! By participating in the financial market,Thanks to Norman Vitalii
Your title says "8 Best Fidelity Index Funds To Buy and Hold Forever". Well, only 3 of them (FSPGX, FXAIX & FSKAX) are index funds...the rest are actively managed. A deceiving video with not much useful information IMO.
The very first year i get into the above mentioned Fxaix fund with fidelity its at a year to date all time low. I pulled out months ago and im getting a flat 5.02 with a safe moneymarket. Oh well ...maybe some day.
Please know that I will try my best to respond to your comments, but I may not make it to all of them. Also, there exists a nefarious element that will try to spam or scam others. I will never ask for personal information or ask you to send me money in any form. Those are scammers. Also, I am not a licensed financial advisor, so please do not request personal advice with your funds, as I am unable to overstep those boundaries. I am here to share information as best I can.
WHAT TO WATCH NEXT:
♦Where to Park Cash: Guaranteed 5-6% ua-cam.com/video/0wSxTAxUVe4/v-deo.html
♦Best Bank and Brokered CDs | Guaranteed 5.8% MYGA Return!: ua-cam.com/video/WROae6XP4P8/v-deo.html
♦Investment Ladder Strategy with CDs T-Bills and MYGAs ua-cam.com/video/J_wCv8TtnIk/v-deo.html
♦The 6 Best High Yield Bank Accounts of 2023 ua-cam.com/video/de7nzQUzjzg/v-deo.html
That is why I work with Stacie Lynn Winson, who introduced me to a better financial community, a verified organization where I learned how investing works and how to invest proficiently, as well as free books, courses, and daily lectures. You also get to meet new people, which was the best decision I ever made..
Do you have a discord server?
Do you have a discord community?
Some great funds explained here, but one very important thing that is shown here. When looking at funds, make sure you check for overlap. If you were to buy all of these funds, you'd be buying a LOT of APPL, GOOG, TSLA, AMZN, etc.
Yes, that is very true I do cover that subject in great detail in another one of my videos where I actually created a spreadsheet that maps out all of the different companies when it's in each of the different funds. It was really difficult to make, and I'm not sure that I would duplicate it for a future video. Have that one in my top ETF video
I look for the same overlap. I have 4 ETF’s in my Roth. Vti, vym, divo and spyd. Next year I’m adding sphd. Very little overlap. Vti for the growth and other 4 for the very good dividend yield.
Definately
@@BusinessWithBrian how the Nasdaq composite index can be a good one to buy if it doesn't have capital gains so what's the gain or reason to buy? can you please briefly explain i dont get it
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
'Rebecca Nassar Dunne’ is the manager I use. Just research the name. You'd find necessary details to set up an appointment.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
While you picked all great funds I think it is a very low probability that your account value will triple in just 3 years. Being 100% in equities significantly increases your risk to have a 50% drop in value. Over 10-20 years this account fund mix should perform very well.
Fidelity's high-growth index funds are designed to track indexes comprised of companies with strong growth potential. These funds offer investors a way to achieve long-term growth by holding onto investments in companies that have the potential for significant expansion. This strategy can help diversify a portfolio and potentially yield favorable returns over an extended period.
Indeed, the prospect of purchasing additional stocks and index funds during market downturns can be daunting and challenging for many, including myself. I have $260k that I intend to move into a Stocks & Shares ISA, yet taking that step can feel quite difficult and intimidating.
A Financial Advisor is essential to safeguard your investments from market risks and pitfalls. They offer personalized advice aligned with your risk tolerance, making them a top choice for reliable guidance. Although there are subpar advisors, those with a proven track record can be a valuable asset.
@@hunter-bourke21 Kindly share the details for reaching your advisor. With inflation negatively affecting my funds, I'm in search of a more lucrative investment strategy to optimize their performance.
"Camille Alicia Garcia" is my portfolio-coach, I found her on Bloomberg where she was featured, I googled her name on the internet. Fortunately I came across her website and reached out. You can go verify yourself.
After conducting an online search of her name, her website quickly surfaced, piquing my curiosity. The initial impression is positive and I intend to arrange a call with her. I'll make sure to provide you with updates on how it goes. Thank you.
51 years old. I have $295,588.25 in my Fidelity retirement account. I cranked my contributions up to 35% with the help pf Norman Vitalii. Fidelity just holds my ETFs/stocks. I made that change earlier this year. I'm hoping to end the rat race by 60 but it's looking more like 63-ish. I want to have $1.5M and bring in about $60k in dividends each year.
do not do it online, go to a real locale and guarantee that what you think you are selling for is exactly what you are getting
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.
I’m a contractor, and my job doesn’t permit me the time to properly analyse my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.
@@tatianastarcic I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
@@darnellcapriccioso Finding financial advisors like Margaret Johnson Arndt, who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@tatianastarcic Impressive, will definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
Thanks!
That is incredibly kind of you! Thank you.
Dividends are what got me into investing in the stock market. The thing to me is, if you invest and have other income outside of dividends then you will be able to live off dividends without selling. Which means you can pass that on to your kids which will give them a leg up in life. Have over $600K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops further.
@Darrius427 I've been skeptical about the banks for a long time, to be honest, but didn't know how to get started with an advisor. If it's okay, can I know who your advisor is, because I need some recommendations?
@Darrius427 excellent share, just confirmed her page online after inputting her full name on my browser, she seems valid. very much appreciate it.
Hello @jessy830 I hope you can answer just one question. Can you invest into stocks through fidelity to receive dividend or it has to be by specific brokers like ameritrade, Robinhood, or any other. I am sorry for the dumb question is that I am a 22 years old self employed and I been looking to build my retirement account since what I do I get no 401k or any benefits. In other words, can I use fidelity for as my one stop investing account?Please if you help it would be great. By the way, you are great role model for your kids and I am sure they would appreciate that. I wish I had the same luck your kids have.
Brian I'm so glad I found your page. Get gives me options to move my money instead of keeping it in a savings account.
That fantastic!
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
Who is this person guiding you and how can i reach he/she?
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Amber Dawn Brummit" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Well its nine months later. My mm went to 5.30 and i made 25k so far. Ive been with 5 different investment companies and have never made that amount yet. Im considering this a success.
I agree with you, you found the success just right
You got some nice picks, couple of them I don’t have, added into my watch list like the one on semi conductors. Liked and subscribed. Cheers 👍
I have kept my eye out over the years whenever there is a printed review of portfolio management software. I can say unequivocally that there is not a better all-around portfolio management software program out there today. Norman Vitalii handles everything... even those esoteric transactions that no one thinks about talking about in the media. And, Quicken is not sophisticated enough to handle the transactions as seamlessly as Norman Vitalii
Fidelity Select Semiconductors... I like this buy so far! Thank you, Brian.
Do you know of the best semiconductor index fund equivalent for Vanguard?
I liked the portfolio and it would definitely grow over time. Very interesting and glad I found your channel, love these topics and I am always curious about what other investors are building in thier portfolios.
I am also glad you found the channel. Thank you so much for the comment, and I hope that I provide more content that you enjoy
what is the percentage weight of these 8 funds in a sample portfolio?????
Good morning Brian! Great video. I know everyone invests differently. In your opinion how many index funds would you prefer someone have in their Roth portfolio? Thanks again
Question: @2:16 you said "as a long-term capital gains regardless of when you bought the fund". Do I understand you right that the capital gain from the fund will be reported as "long-term capital gain" even if I hold the fund for less than a year? Thanks.
Brian, great job for the Fidelity fund info. I just retired and am planning to deal with my 401K money. Fidelity funds are in my consideration to transfer money to. My questions: are those capital gains, dividend yield and expense ratio numbers are included in the 10 years and 3 years return number? Thanks!
Those are all perfect questions. Yes the final performance numbers shown take into account the dividend yield being reinvested and also expense ratios. If you ever have a question about Fidelity specific ones, their site outlines these details in the perspectus as well.
Thanks, I already have some of your picks and will investigate the rest for future investing.
Great. I hope that it was in informational and enjoyable to watch.
Starting early is simply the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, I am able to build a suitable life beause I invested early ahead. Thanks to Norman Vitalii for aligning my individual's risk tolerance and financial goals
Im grateful that I stumbled across your channel today! Great video and great content. Cheers!
I'm happy you stumbled upon my channel as well! Thanks so much for the comment, and I hope I continue to provide content you enjoy
What’s the advantage of Fidelity over Vanguard?
Thank you for the great content. I am curious what your views on the Fidelity Zero funds. They are advertised as index funds with zero fees, but I am not sure if the fees are just hidden or if there is a downside to them.
Thanks for your comment and question. They are solid options, and I included them in my file in the video description. They overlapped other funds, and they don't have as much historical results to compare, so they didn't bubble to the top. But they are great options that bring customers to their platform. It's a passive enough index that they won't lose much, and they hope it gets new customers that buy other product where they do make money.
FZROX has no fees; however, Fidelity temporarily keeps FZROX dividends. You will receive lump sum dividend in the end of December.
The only downside I know of regarding the Zero funds is that they are not portable. You have to hold them at Fidelity. Otherwise, they very closely approximate major indexes and perform very similarly. The portability issue is not a big issue to me, but might be to others. I'm invested in FNILX and am very happy with it.
Thank you so much. Wonderful video. You explained it better than Fidelity itself.
Thank you for your kind message. I appreciate it. I certainly try my best to provide good content with a solid production.
Thanks a lot, Brain. I am a beginner at investment. I have learned a lot from your videos.
Great to hear!
Finally a good and rich video. Thank you for the info. Can you share the percentage contribution on each one? Thank you!
At 28 years old, I'm just beginning my journey into index fund investing. I've done some research and I am aware of the small overlap between FSKAX and FSPGX. Would it be a smart move to start with $10,000 in FSKAX and $10,000 in FSPGX? I also plan to add monthly contributions to each of these index funds.
Hey Brian, I am a new subscriber and love your content. I just started watching your videos. It's extremely valuable for me. You video on "Best AI stock to buy in 2023" was a game changer for me. Thank you and appreciate it!! I have one request "can you make video on how Divided is earned in a simple format for beginners and advantages of compounding it back to the stock, Appreciate it
Awesome, thank you! I can definitely touch on that subject more. I've tried to explain dividends in a few other videos, it can be misleading and in some cases almost a safety blanket. It's definitely an area I can cover further with some more fundamentals.
Great video. If you were to select 3 from the 8 which ones would you recommend? Also, perhaps, Fidelity International Index Fund - FSPSX could be a good consideration to diversify the other selected funds out of US based index funds into international. The semi conductor index funds look good, presumably focusing on AI as well? Thoughts?
Fidelity semiconductor fund has been banging for a long time. It's in my foundational funds bc I don't have kids and can carry the risk.
I just opened my Roth IRA on July 1st.. $2500-FSKAIX .. $1000-FZILX .. $1000-FSELX.. $1000- FZROX & $500- FXNAX.. I’m already up over $120.. I wanted Diversification so I did S&P500, Total Stock Market, International Market, Tech Market & Bonds.. I want to set it & forget - Just let it GROW! Any Tips or Advice?? Thank you all & GoodLuck..
What about FXIAX
Very good video thank you.
Are you still recommending these top 8 funds a year later ?
Wild question, but do you offer any consulting services?.... for a fee? I keep watching these videos from you and other content creators, and it seems great. But when the video is done, I don't know where to start. It's information overload in my brain.
That's a great question that I often get, unfortunately since I am not a licensed financial advisor, I do not consult on these topics. I do most of my consulting to larger companies on different topics. I get it, some of these topics and items can be a lot to digest. If you have suggestions on things that I can do in the videos that would better help you, please let me know
@BusinessWithBrian understood. Table/Charts are very helpful, so include them when you see fit. IF you ever do get to providing a paid coaching/consulting service to the common folk as myself, please put it on this channel. There will be plenty to take you up on the service. I'll think of Subscribing for the moment so I don't miss out.
Can you make a video on your recommended taxable dividend growth fund?
How does one invest in all of these all together? Is there such thing? Or do you have to individually have to invest in each separately?
Everyone does it differently. Every month, I plan to invest a certain amount I have left over from my income. I tend to either split the amount I'm investing among several funds or alternate between funds. I do it every month with the intention of holding long term. Mutual funds are awesome because they average all of your shares, and your basis is based on average. One thing to be mindful of is that some funds have a minimum buy in, and even a fee for buying shares, you can check all the details for this on the prospectus for the fund.
I've been in FXAIX for years, but I wanted to see if there were some other Fidelity funds that I hadn't already known about. I've recently been looking at FSHCX fund, but the Semiconductor and Growth and Income funds look appealing as well.
Subscribing for more :)
Fantastic! I hope that there's more content in the near term that gives you value.
I just got the Semiconductor fund last week. It's going gangbusters.
@@rexx9496 Yep, I finally got into it last month, and thanks to NVIDIA being like 30% of the fund, it's been going great.
I would love if you could cover how you make the the tradeoff between similar etfs and index funds for taxable and non taxable accounts
Brian, thank you for this video. I have own two in your list. Could you please help for comparison on SMH vs FSELX, which one is better? or make a video for it? Thank you.
Is the recommendation to buy all ones reviewed or just to choose 1?
It depends on your existing portfolio. You may have funds or etf that are exactly like one I mention. No point in doubling up.
quite a few of those funds are not doing well on the 1-year chart. Comparitively
Can you recommend an index fund for gold/silver?
Interesting you ask that. I plan to do a video on Mutual Funds and ETF covering Gold/Silver. I'm just trying to figure out how to make the topic more broad. I don't have a recommendation right now, as I need to do a lot of research. Thank you for the question, and I hope to have content on it soon.
EPGFX is Peter Schiff gold fund
@@BusinessWithBrian How about combine it with BRICS stated goal of dethroning the US dollar? Whatever you decide, I'm subscribed so hopefully you will decide how to make it more broad. The reason it appeals to me is to diversify in the unlikely chance BRICS has some success. Highly doubt it since if Putin goes to their next BRICS meeting in August in South Africa, SA is a member of ICC and is obligated to arrest Putin on the warrant.
My portfolio has good companies, however it has been stalling this year. With the present inflation and dollar devaluation I just got my money out of the bank, I invested some in gold and silver and I’ve approximately $700k stagnant in my reserve that needs growth, any suggestions to grow my portfolio will be highly appreciated.
Yes, keep your money where it is and just wait a few years until inflation gets under control. Investing is a long game.
I thought this was going to be the start of one of those threads with all of the bots saying to hit up some sort of 'financial advisor' on another app that rhymes with hellagram
NVDA. VGT. VOO.
Very good information. Do you have a video on how to balance your portfolio once your select the investments you want?
No, I haven't had anything specific to balancing with regards to taxed accounts. But I do go over balancing for 401K accounts in this video: ua-cam.com/video/rHT1EL-w_BY/v-deo.html
Hi Brian- curious to know when this video was made and if you have any information/ comments on the Fidelity Zero Funds with no fees- what’s the catch?
This was made 2 years ago I think. One I can definitely update. My point of view is that the 0 fee ETFs are perfectly fine. They're just an entry drug to get you to be on the platform to invest in their other areas. It's a smart strategy on their part, and they're really good performing funds
Hi forgive me if this has been already asked, what do you think of the Fidelity Contra Fund?
Brian do you k now of any chart resding or option training courses. Also I want to thank you for sharing your knowledge with us.
I believe Vanguard funds are less expensive expense wise...I like VGT. It is a ETF. The tech sector has ruled since 1988. Everywhere you go people are doing what? Looking at a cell phone. That is where the future is going. Someday your airplane will have no pilot. Your car drives itself. Your cell phone can read your thoughts? Cheers!😊
Brian, I am a newbie in this space so my question is pretty basic as well. If your 401K allows you to buy why not just buy SPY ETF ? Appreciate your insights.
No problem. If your 401K allows you to buy SPY etf, then it's a solid choice where the expense ratio is low, as is the turnover. This video was specific to mutual funds, but I have other videos that are specific to ETF. Hope that helps.
Is there a mutual fund version of SCHD?
thanks Another great video. Thoughts on FOCPX?
What does the expense ratio covers ?
I like Fidelity's FOCPX (large tech), but QQQ has a much lower expense ratio at 0.20%, and QQQ has options.
Yes, I've done a few videos on ETFs, and I'll be planning to do more in the future. QQQ is a solid choice, and I have quite a few funds in that particular one
QQQM is the same thing with 0.15% fee.
Hi Brian, Is it a good idea to hire a FA to manage my portfolio and pay a 1% fee? What if the market keeps going down?
It's been going up since zero lmao
Newbie here .. Sorry for the dumb question. For example FSHCX is returning around 14.5 % at both the 3 Year and the 10 Year mark. That means a person making an investment before 10 years only made 14.5 % for the 10 years which is close to 1.45% / year ? Am i missing something here ?
Yes you're missing a key point. The total return is the total annualized average return. That means it's the rate it's receiving each year as an average. Some years it may be much higher and some it may be lower, but the average is at the total
Thank you for the video Brian. I like the FHLC ETF for healthcare. Expense ratio of 8 bases points or 0.08%.
I'm a big fan of ETF. I'll be making more videos on ETF in the near term as well.
Well organized and informative.
I’ll search for the ETF’s that track them. Unless you make another video to cover the ETF’s😅
You're in luck. I already have a couple videos on the subject, and I will certainly be making more specific to ETF index funds. There's a surprisingly large demand for knowledge on mutual funds, but as I state in many of my videos.......ETF are far superior (my opinion). Thanks for the comment.
@@BusinessWithBrian great, thanks for your reply
Health care and mega cap are active management, aren't they?
Which one would you suggest if you can only afford one or two?
FXAIX or the (very similar) FNILX.
This is really great. I'm a beginner, so these suggestions are super helpful.
I am so thankful that you found value in the video. I hope I have more videos that make you equally as happy. Thanks again for your comment
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inheritance portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
my partner’s been considering going the same route, could you share more info please on the advisor that guides you
I've come across a lot of recommendations but this one stands out. Jenny's resume is pretty sophisticated, and shows she was active during the last bear market, I also emailed her. Thanks for the info!
2.5 mill and your worried about retirement? Laughable. You should consider downsizing and giving back
FGRTX does not make sense to me. I mean, did you compare last 5 years performance with VOO, for instance?
Hi Daniel, I'm not sure if you recognize that the video is about Fidelity mutual funds. VOO is a vanguard ETF. Which means it's not a Fidelity mutual fund. I have different videos specific to ETF.
Oh, and as a reminder Daniel you can look at the spreadsheet of all the different fidelity mutual funds that I had compared including ones that aren't in the video. All the links are in the description.
How does FXAIX pay out it's dividends and gains?
Can you do a video on Consumer Staples Funds like FDFAX?
Good suggestion!
Really appreciate the information and personal insight. First time here. Will return 😊
Wonderful, glad you stopped by and I hope I continue to have content that brings you value
Good strategy. Thank you for sharing.
You bet
Great as always ❤
Thank you so much 😀
Thank you for sharing your investment knowledge!✨
My pleasure. The more I learn the more I try to share.
What do you think of FEPAX?
I would lean toward similar efts over mutual funds
I'll have a video on that in another week or so.
Brian ,
Do you do consultations ?
Thank you for asking. I do not do consultations for personal finance, since I am not a licensed financial advisor. I only do consulting work for large corporations.
Would investing in all of these at once be bad?
To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Norman Vitalii focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. His skills set is top notch.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
Nicely done!
Thank you. I appreciate it. All those graphics were killing me......and then they almost killed my computer. 😂
Thank you for your education
How about FXAIX
I’m saving and investing around 70 percent of my income in the financial market(high yield etfs, stocks etc) pretty much how I made my first million although with an FA. I have a high paying engineering job, and I live upstate NYC. my expenses are low. I have zero debt, low rent and car truck paid off. So i can just save. feel lucky at this point I'm actually grateful Norman Vitalii handling my portfolio
Most have all the same companies? Sort of confused here.
be careful with all of this when you want to cash it in. fidelity sells are often not on time and go through other 'clearing houses' resulting in different results when you push the sell button.
What is turnover rate mean
I explain it at 2:37 It's when stocks are bought and sold (turning your asset).
If the mutual fund starts the year with 100 stocks but replaced 15 stocks by the end of the year (15 divided by 100 stocks) it has a turnover of 15%. The higher the turnover the higher the cost to investors because of capital gains taxes
How many Index Funds do you recommend having? Is there a total percentage you recommend?
That's a tough question to answer. I own LOTS of index funds. You may want to watch this for an understanding of diversity within the portfolio: ua-cam.com/video/5mvy3wCfDvo/v-deo.html
I have a 401K from a previous employer that I need to do something with! Is there an IRA that invests in these Fidelity funds? I apologize in advance, I'm a financial illiterate 🙂
It's a little tricky to explain, but the IRA is an account that allows you to save for retirement in a way that is tax-advantaged, in accordance with government rules. Within the IRA, you can invest in almost anything, including these Fidelity funds. There are a few exceptions, but generally you would be able to buy Fidelity funds even if your IRA account was at another brokerage, such as Vanguard, Schwab, etc.
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I'm surprised you know her. I've been making a lot of profits investing with her for a few months now.
Mrs Reyes changed my life because of the high profits I got from investing with her.
You invest with Mrs Reyes too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
OUTSTANDING WORK!
Thank you kindly!
My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
I really appreciate the dedication in each video you post. To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Norman Vitalii focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. His skills set is top notch
If you bought FSELX a year ago and held, congratulations.
I hit $90,000 today, starting just two months ago in 2024. Financial education is crucial for more than 70% of the society, as very few are literate on the subject. Thanks to Norman Vitalii’s team for helping me achieve this milestone and for their continuous support.
I experienced friendly, helpful and efficient service. My request was attended to in a very professional manner and in the time mentioned. I look forward to dealing with Norman Vitalii in the future
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Angela Lynn Schilling is who i work with and she is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.
Thank you for this amazing tip. I just looked the name up and wrote her
I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market. All thanks to Norman Vitalii for is guidance
Pray tell me why you list capital gains in $/share terms. You don't even quote the share price, so stating the capital gains numbers is as close to meaningless as it gets.
$1 of capital gains on a $10 price is very different from $1 of capital gains on a $100 price.
Fselx gang
WHEN I HERE "HOLD FOREVER," that is a lie and clickbait.
Good thing I give a full explanation in the intro.
Dude titled the video “Best index funds” and the first fund is actively managed 💀 😂
FYI: www.investopedia.com/terms/a/active_index_fund.asp#:~:text=An%20active%20index%20fund%20attempts,to%20the%20passive%20index%20fund.
I didn't become financially independent until I was in my mid 40s, in addition to owning a second house making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future! By participating in the financial market,Thanks to Norman Vitalii
Your title says "8 Best Fidelity Index Funds To Buy and Hold Forever". Well, only 3 of them (FSPGX, FXAIX & FSKAX) are index funds...the rest are actively managed. A deceiving video with not much useful information IMO.
All of the funds listed are "index", as they are indexed to a specific market or sector.
@@BusinessWithBrian
The very first year i get into the above mentioned Fxaix fund with fidelity its at a year to date all time low. I pulled out months ago and im getting a flat 5.02 with a safe moneymarket. Oh well ...maybe some day.
These are long-term investments. Watching them nervously for a period of one year and selling at the bottom is not the road to success.
FXAIX