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REDDIT

Torn on which U.S. fund to pick

W
Sep 30, 2025 · 19:24

Hey everyone. Just opened my Roth IRA with Fidelity. Looking to set a portion of my allocation to US market. I’m looking at FZROX or FSKAX. I’m 32 and looking for growth and dividends to grow tax free since I can’t touch this for 27 years. Does it matter which one I pick? I know FSKAX has a low expense ratio and FZROX at 0. FSKAX has 2 dividends per year, FZROX has 1. Is there a certain one I should pick? Maybe look at ITOT? Does it really matter if they all perform similarly? I appreciate any advice as I’m new to this!