Author Topic: Fidelity Lazy Portfolio  (Read 9029 times)

h2ogal

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Fidelity Lazy Portfolio
« on: April 14, 2015, 08:57:48 PM »
Is anyone using Fidelity Spartan funds for a lazy portfolio instead of Vanguard?

What comments do all you have on this set of funds: 

10%  FSIVX Spartan International Index fund
60% FSTVX Spartan Total Market (US)
30% FINPX Inflation Protected Bond Fund

(For now Im satisfied with the 60/10/30 mix and plan to keep a 'survival' level buffer in Cash also) 

Oh, and another question regarding Cash - where do you stache your "cash"?  Money Market Fund?  Regular Bank Savings Acct?  Leave it in Cash Reserves at your brokerage for convenience?
 


Frankies Girl

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Re: Fidelity Lazy Portfolio
« Reply #1 on: April 14, 2015, 10:31:08 PM »
There are quite a few on here that use Fidelity. I totally get why Vanguard is the leader, but I already had accounts with Fidelity, and as soon as I found their Spartan funds, I saw no reason to shift over as I really liked Fido in general.

I don't do international funds, but I do have a lazy Fido portfolio:

75% - Spartan Total Market Index advantage class  (FSTVX)
10% - Spartan US Bond Index advantage class (FSITX)
10% - Spartan REIT advantage class (FSRVX)
5% - cash

I have most of the cash in an Ally savings account, but some of it is "dry powder" in a money market account with Fido (less than 1% tho).

The only comment I have on your choices would be if you had taken a look at Fidelity Spartan Inflation-Protected Bond Index Fund (FSIYX) in place of the FINPX you currently have. It has a lower expense ratio, and seems to be performing better than FINPX (if I am reading the comparisons correctly - 1 year performance is 3.17% vs. 2.74%, but FSIYX is a newish fund without enough history to compare further out).

http://www.bogleheads.org/wiki/Fidelity
^ what I use to check Fido funds against Vanguard


h2ogal

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Re: Fidelity Lazy Portfolio
« Reply #2 on: April 15, 2015, 06:19:11 AM »
Hi FrankiesGirl - Thank you so much for the advice on the Spartan bond fund. 

I will look into that!  I have several IRAs and old 401Ks at Fidelity, and I use the fullview app and the budget and expense tracker which is really helping me get ahold of my spending.

I found this tool last night, which helps analyze fund fees.  Going to try this out also...

http://apps.finra.org/fundanalyzer/1/fa.aspx

Regarding your comment on not being into International.  I never was for years either, but very recently I started adding this, after reading some portfolio allocation theory.  It seems to be an index that hasn't fully recovered all losses from 2008/9 and Im hoping there is still some upward trend left.  I don't think I will ever go above 15% though.

thanks Again!

Mississippi Mudstache

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Re: Fidelity Lazy Portfolio
« Reply #3 on: April 15, 2015, 07:10:14 AM »
I have my IRA with Fidelity, and I opened my wife's at Vanguard. Honestly, I much prefer Fidelity to Vanguard. They post contributions much more quickly then Vanguard and the trading platform is much more user-friendly. Since the fund fees are practically the same, I'll stick with Fidelity.
« Last Edit: April 15, 2015, 12:46:35 PM by Mississippi Mudstache »

Keekster

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Re: Fidelity Lazy Portfolio
« Reply #4 on: April 15, 2015, 07:13:09 AM »
For International, you might want to look at FSGDX instead of FSIVX. FSGDX includes emerging markets while FSIVX does not. I believe the total Vanguard International Index Fund holds about 13-15% emerging markets as well.

ZiziPB

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Re: Fidelity Lazy Portfolio
« Reply #5 on: April 15, 2015, 07:24:40 AM »
For International, you might want to look at FSGDX instead of FSIVX. FSGDX includes emerging markets while FSIVX does not. I believe the total Vanguard International Index Fund holds about 13-15% emerging markets as well.

This^^^

I use Fidelity as well and invest the following funds:

FSTVX - Total Market Fund
FSGDX - International Fund
FSITX - US Bond Fund in tax-deferred accounts
FTABX - Tax Free Bond Fund in the taxable account (not necessary but I do like to have some bonds in taxable)

h2ogal

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Re: Fidelity Lazy Portfolio
« Reply #6 on: April 15, 2015, 09:02:32 PM »
Quote
For International, you might want to look at FSGDX instead of FSIVX. FSGDX includes emerging markets while FSIVX does not. I believe the total Vanguard International Index Fund holds about 13-15% emerging markets as well.

Thanks for the tip - I will look into it.

You guys are great.   Since finding this forum in the fall last year I've added over $60K to the stache.   Almost cant believe it.

Keekster

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Re: Fidelity Lazy Portfolio
« Reply #7 on: April 16, 2015, 11:43:04 AM »
Nice work!

retireatbirth

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Re: Fidelity Lazy Portfolio
« Reply #8 on: April 16, 2015, 05:30:12 PM »
Here is my portfolio:

FUSVX - S&P 500
FSEVX - Extended Market

FSIVX - Developed International
FPMAX - Emerging International

I guess I'm a bit different in that I split the US total market and Global market indices into 2. I could be convinced I'm wrong to do this, but my reasoning was that I could choose my own allocation among 500/extended and dev/emerging. I could also potentially gain on re-balancing if there is a divergence and return to the mean.