FZROX is a mutual fund and VTI is an ETF but which one is better and whats really the difference between an ETF and mutual fund? Im only 17 and started investing like 2 months ago and I just wanted to know which one is better for a youth taxable brokerage account? I don’t plan to change my brokerage with Fidelity but I am more worried about which one would grow more and capital gains taxes.

Looking for opinions here. I got money in a ROTH IRA. To keep it simple, I just invested in a target date fund, **FIDELITY FREEDOM INDEX 2045 INVESTOR** (FIOFX). I read that supposably these do well. As it's been about six months now, it just doesn't seem to me to do as well as some of my ETFs, etc. in my regular taxable account. Should I just stay the path and do these target funds start to pick up well much later? Or, are these funds overrated and I should just like do some type of aggressive growth ETF in it? I'm trying to be like you guys. Help me, be you.

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!