I am just now getting serious about retirement investing. All of my accounts are with Fidelity, so I am partial to their index funds since I don’t have to pay commissions on them. Right now I have most of my money in their S&P 500 tracking fund (FXAIX) and in their total US market tracking fund (FSKAX).
I’d like to diversify a bit and get some exposure to international markets. The problem I have is that the list of Fidelity funds is so huge that it is overwhelming to dissect everything in front of me. And the one or two funds I did look at seemed to greatly underperform the S&P 500, while the two funds I currently hold seem to track it very nicely. I understand that foreign markets are not going to track the S&P 500, but it does make me question whether I am thinking about this correctly, or if I should just leave my money in US markets.
Obviously I am pretty new to investing, so any advice is appreciated.
EDITED TO ADD: I am looking for investments in my Fidelity Roth IRA and my Fidelity HSA, in case that is relevant. My 401k has very limited choices, so it is not as overwhelming to research those different funds offered. The choices on my Roth IRA and HSA on the other hand.... let’s just say that “overwhelming” would be an understatement!
Submitted September 22, 2018 at 08:52AM by quitter4now https://ift.tt/2OHDEkV
