Search found 831 matches

by harikaried
Mon Jul 27, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

Turns out SIP's TLH algorithm does work as expected. Today all lots of FNDE purchased every month since account creation back in March were sold to purchase PXH. FNDE had dollar losses exceeding 0.5% of the total account, which comes from a target allocation 6% with 8% loss of that position. SCHE al...
by harikaried
Mon Jul 27, 2015 5:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

So planning ahead, if you have to sell VSS at a loss in a TLH move, what are you choosing for replacement shares? Will they have a commission to buy and sell at Vanguard? I was thinking of just buying VXUS to maintain our desired US:Intl ratio because the only position in our taxable would be VSS a...
by harikaried
Mon Jul 27, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle explains what your investment adviser should do
Replies: 1
Views: 586

Jack Bogle explains what your investment adviser should do

http://time.com/money/3972097/vanguard-jack-bogle-investment-adviser/ Spoiler: (context: Adviser sets up client in 60/40 balanced fund and tells the client to do nothing each year.) Q: "What do I need you for?" How do I answer that question? A: The only answer to that question is "I'm...
by harikaried
Sun Jul 19, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trust payout condition: Bogleheads quiz?
Replies: 2
Views: 214

Trust payout condition: Bogleheads quiz?

Does it make sense to have some additional requirement on payout conditions from a trust that shows at least some amount of financial understanding? Some people put requirements of obtaining a bachelor or masters degrees or graduating from an accredited university, but those don't necessarily cover ...
by harikaried
Sat Jul 18, 2015 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 8879

Re: Vanguard's new Personal Advisor Services

This service looks like it is probably a lot better than what people would get elsewhere. And looks like there's quite a bit of money moving to the service too according to assets under management for robo-ish advisors: http://www.investmentnews.com/article/20150717/FREE/150719905/battlebots-big-fi...
by harikaried
Fri Jul 17, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4296

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

Here's the maintenance schedule for 2012 Subarus:

http://www.cars101.com/subaru/maintenance3.html

The main difference at 60k is to replace accessory belts (e.g., A/C), fuel filter, spark plugs, brake fluid.
by harikaried
Wed Jul 15, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3939

Re: Are the more expensive bikes worth paying for?

Trek 7.3 Hybrid http://www.trekbikes.com/us/en/bikes/city/fitness/fx/7_3_fx/ Any bike experts want to compare that with this one from bikesdirect: http://www.bikesdirect.com/products/mercier/galaxy_tour.htm We bought a pair of Mercier bikes from bikesdirect probably 5 years ago and have gone on sev...
by harikaried
Sat Jul 11, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 57
Views: 3890

Re: Choosing to go with a Robo-Advisor and If so, which one?

My advice would be to be more patient, trade less, and capture the big ones. But what's big enough? I checked our SIP account and at one point this week it had almost 1.5% in net losses for the whole account, but it didn't TLH at that point. It does seem like Schwab's algorithms are set up to prima...
by harikaried
Sat Jul 11, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 57
Views: 3890

Re: Choosing to go with a Robo-Advisor and If so, which one?

In the Betterment interface, it doesn't really show you your individual fund cost basis anywhere except on the quarterly statements and statements for individual trades. Schwab Intelligent Portfolios is built on top of their usual Brokerage account platform, so you can view all individual lots and ...
by harikaried
Sat Jul 11, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 57
Views: 3890

Re: Choosing to go with a Robo-Advisor and If so, which one?

Betterment doesn't use a 3rd set of ETF's and perhaps that is a defect compared to manually performing TLHs. Betterment does have a concept of tertiary ETFs, but they might only be used in situations where there's overlap between taxable and tax-advantaged: https://www.betterment.com/resources/rese...
by harikaried
Fri Jul 10, 2015 10:38 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

What is causing you to change your mind? Is it the cash allocation, the "complexity" of the portfolio or the inability to control TLH? There's a number of things that aren't all related to Schwab. The cash allocation isn't an issue at all as we just shifted our cash from checking to broke...
by harikaried
Fri Jul 10, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

Has Schwab still not TLHd for you? It has not. Part of the reason I would assume is they want to harvest a substantial amount on really large drops and not be stuck with the alternate ETF on new purchases. Schwab's TLH algorithm looks for losses relative to the whole portfolio as opposed to a singl...
by harikaried
Mon Jul 06, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Global Small Cap Tilt for "Financial Freedom" Fund?
Replies: 6
Views: 599

Re: Global Small Cap Tilt for "Financial Freedom" Fund?

PORTFOLIO OPTION 1 Total Stock Market (VTI) - 40% Small Cap Value (VBR) - 20% Total International Stock Market (VXUS) - 40% PORTFOLIO OPTION 2 Total Stock Market (VTI) - 35% Small Cap Value (VBR) - 15% Total International Stock Market (VXUS) - 35% FTSE All Wd Ex US Small Cap (VSS) - 15% PORTFOLIO O...
by harikaried
Sat Jun 27, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7854

Re: What credit should you get? (Ask me anything)

2% All: Fidelity Amex, Priceline Visa, Citi Double Cash MasterCard (Sam's Club) 5% Grocery: Sallie Mae 5% Dining and Amazon: Citi Forward 5% Gas: PenFed Cash Rewards That's pretty much what we have: 5% Grocery/Gas: Sallie Mae (up to $250/mo on each of groceries and gas) 6.667% Restaurants/Amazon/Mo...
by harikaried
Wed Jun 24, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

Schwab's Institutional Intelligent Portfolios are now live as of yesterday allowing RIAs to automate trades/rebalancing of customized portfolios. https://institutionalintelligent.schwab.com/advisor There's 450 ETFs to choose from that matched various requirements: • Correspond to one of 28 available...
by harikaried
Wed Jun 24, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

Emerging Markets TLHed on 6/1 and Developed Markets on 6/8 This might just be the difference in triggering methods. I believe Betterment looks at how much a given lot has lost as a threshold whereas Schwab looks at how much of the total account has lost as a threshold. My recent purchase of Emergin...
by harikaried
Wed Jun 24, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7854

Re: What credit should you get? (Ask me anything)

How about cash-ish sign up bonuses over $400? E.g., statement credits, amazon gift card, purchase redemption. In the last 3 months, we've received 2x each of capital one venture, barclay arrival plus, chase sapphire preferred, amex premier gold, wells fargo propel world for a total of ~$6000 in rewa...
by harikaried
Tue Jun 23, 2015 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3856

Re: Ask me anything - Mortgages

I can't speak for everyone but major banks want to charge you fees and sell your loan to Fannie or Freddie. Is this why one can get a significant rate buy up / negative points enough to put towards principal curtailment (even after fees/costs)? So banks get paid their fees in the process even thoug...
by harikaried
Mon Jun 22, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1556

Re: Robo Advisor for people in retirement

2. Do roboadvisors allow automated monthly withdrawals? I don't think so. Schwab Intelligent Portfolio seems to be built on the usual Schwab Brokerage account, so you can do recurring withdrawals as usual. It allows for various options: Monthly Quarterly Annually Twice a year Twice a month Weekly-M...
by harikaried
Sun Jun 21, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

Has the tax loss harvesting benefited as of yet? Not at all. I'm not sure if I'm doing something that is preventing SIP from tax loss harvesting, or their thresholds just haven't been exceeded. In particular, I've been adding 2%-of-account cash at the beginning and middle of each month enough to tr...
by harikaried
Sun Jun 21, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

This article on Friday 6/19 from RIABiz seems to indicate Schwab Intelligent Portfolio total managed assets is now $2.8b. http://www.riabiz.com/a/4987740034695168/schwabs-robo-for-rias-is-set-to-launch-in-next-10-days-to-delight-of-online-forerunners That would put it a good bit ahead of Betterment ...
by harikaried
Sun Jun 21, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

The performance view was updated this week to show a benchmark. They also made a new blog post describing the "blended benchmark": With Schwab Intelligent Portfolios, your portfolio is broadly diversified across up to 20 asset classes, with allocations to stocks, fixed income, commodities ...
by harikaried
Thu Jun 18, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 738

Re: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Thanks for the suggestions. I suppose another option is to buy Fidelity Spartan mutual funds with the cash -- perhaps some international fund Global ex-US (FSGDX), International Developed (FSIVX), or Emerging (FPMAX). None of them are Intl. Small Cap, but they're free without spread. But they all ha...
by harikaried
Thu Jun 18, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on what to pay off first: mortgage or car payment
Replies: 23
Views: 2528

Re: Suggestions on what to pay off first: mortgage or car payment

Car loan: -30k -1.9% interest -5 years remaining Is this a 2014 or 2015 new vehicle? You can refinance it to a 0.99% 48-month loan at PenFed. Saves you a little bit of interest but higher monthly payments. Current loan: ~$525/mo and $1500 total interest vs new loan: ~$640/mo and $600 total interest...
by harikaried
Wed Jun 17, 2015 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3472

Re: Tax savings of moving to no income tax state

From our experience moving from California Bay Area to Nevada but assuming OP's $500k income, a 2000sqft house, $100k local spending/yr, drive 15k mi/yr @ 20mpg. Santa Clara tax: income tax: 11.3% bracket -> ~$42k (8.4%) property tax: median $906/sqft -> ~$24k (4.8%) sales tax: 8.75% -> ~$9k (1.8%) ...
by harikaried
Sun Jun 14, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 738

Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Just making sure, is it basically a no brainer to buy/hold VSS (Vanguard FTSE All-World ex-US Sm-Cp ETF) to get international small cap at Fidelity even with the $7.95 trade fee compared to buying 2 separate iShares ETFs at 80/20 weighting to get something similar with SCZ (iShares MSCI EAFE Small-C...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

If you don't actually know how the risk and return properties of your portfolio depend on the various asset allocations you are discussing then there is no rationale at all for any of the choices, including not "tilting" at all. Doing some backtesting of asset class allocation over 1972 -...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

We tilt to SV (actually, VSS, which isn't really SV) in international too. Oh that's interesting. I don't think Fidelity has something that's Global Small Cap. That's a pretty clever way to get small cap. We used 2:1 ratios all over the portfolio, including equities/bonds, but am now sliding toward...
by harikaried
Wed Jun 10, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

pt32 wrote:Do REITs provide any additional inflation protection compared to stocks?
I believe that's the common wisdom, but I don't have anything offhand to substantiate.
by harikaried
Wed Jun 10, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

I'm not sure what you are looking at Just doing a search for IJS and IJR with google using the site search. Digging in a bit more shows there's some debate about using IWN that tracks Russell 2000. IJS: About 1,310 results IJR: About 2,330 results IWN: About 3,910 results Although I see from this p...
by harikaried
Tue Jun 09, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

feh wrote:We use 2:1 ratio: US eq:ex-US eq and total market:small-value.
We currently have 2US:1ex-US. Any reason why you tilted small value for US but nothing for ex-US?
by harikaried
Tue Jun 09, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

SpideyIndexer wrote:Perhaps you do not believe the REIT overperformance will persist but you do with SV?
Some reason it seems that tilts to REITs tend to be small percentages as opposed to say 2US:1REIT or even 4US:1REIT. In fact, the Core Four has 48% US and 8% REIT for a 7US:1REIT ratio.
by harikaried
Tue Jun 09, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

ruralavalon wrote:I don't see any reason to require the same ratio, either 2:1 or 1:1, in all four areas.
I think the consistency/symmetricity keeps it closer to simple than having a bunch of different percentages especially by avoiding fixed percentage tilts, e.g., 5% REITs.
by harikaried
Tue Jun 09, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

I like the 1:1 plan, minus the TIPS at this point We don't have REITs for that rough inflation protection, so we'll go with TIPS. The 1:1 plan is nice in that there's just 2 percentages: one for the UStotal/USsmall/Global/Emerging and another for USbonds/TIPS. It is quite a big change from what we ...
by harikaried
Tue Jun 09, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

watchnerd wrote:Intl Dev: 1 Europe: 1 Pacific
This adds another level of splitting that moves things further from simple. I think we'll stop at Equity vs Bond -> US vs Intl -> Total vs Emerging for now before adding -> Europe vs Pacific.
by harikaried
Tue Jun 09, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

matjen wrote:Just looking at google hits is not the way to go about this decision
It's still curious why there's more discussions involving IJR than IJS. Are there more people talking about tilting to small cap instead of small cap value?
by harikaried
Tue Jun 09, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs Brokerage Account when Saving for College
Replies: 3
Views: 661

Re: 529 vs Brokerage Account when Saving for College

It looks like the main argument for brokerage account for education saving is assuming one will be in 10-15% tax bracket to be able to realize long term capital gains at 0% tax. A secondary item is the state capital gains tax rate, where in Virginia you have it at 5.75%, but if you move to another s...
by harikaried
Mon Jun 08, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

I use IJS in my Fidelity account. It may be free still to buy or perhaps like $7 Thanks. A quick look seems to indicate free. I'm not sure how much I value keeping everything as mutual funds to simplify exchanges. A quick Google search reports 1300 pages mentioning IJS vs 4010 pages mentioning IJR....
by harikaried
Mon Jun 08, 2015 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

going from no tilt to a 50/50 Total Stock Market/Small Cap Value tilt is a big move. I would go 3 to 1 or perhaps 4 to 1. Same for International and Emerging Markets Some reason I feel that smaller moves isn't really worthwhile when an asset class ends up less than 5%. (I realize my example had TIP...
by harikaried
Mon Jun 08, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Re: Total:Tilt ratios for Small/Emerging/TIPS

US: 2 Total US : 1 Small Cap, <= looks reasonable to me but prefer small cap value, link Fidelity doesn't have a Small Cap Value Spartan fund, so plain FSSVX Small Cap is a proxy for that. Sounds like some people use IJR ETF at Fidelity to tilt, but that's also Small Cap and not SCV. Bonds: 2 US Bo...
by harikaried
Mon Jun 08, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2235

Total:Tilt ratios for Small/Emerging/TIPS

We were thinking of adding in some tilt (from the 3-fund), and I wanted to keep things relatively simple with nice ratios. From some searching around here, it looks like there's quite the range of tilts. I'm currently leaning towards 2:1 ratios, i.e., Equity: 2 US : 1 Intl US: 2 Total US : 1 Small C...
by harikaried
Sun Jun 07, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6643

Re: What Percent Of Your Annual Expenses Are Property Taxes?

Assuming annual expenses are all things paid other than income-related taxes for that year.

2013: 0.90%
2014: 0.96%

Although in 2013, there was some new furniture and appliances expenses, and 2014 had some remodeling expenses.
by harikaried
Thu Jun 04, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Home Improvement Projects
Replies: 9
Views: 1596

Re: Home Improvement Projects

We have a project of similar price. We put it all on 10 new credit cards earning about $5k cash from sign up bonuses.
by harikaried
Wed Jun 03, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6160

Re: Heads up on a great CC promotion (Chase Freedom)

555 wrote:I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus).
Just to make sure, you're trying to decide between 41% cash-back vs 45% cash-back?
by harikaried
Tue Jun 02, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Firefox Reader View - Nice!
Replies: 3
Views: 1036

Re: Firefox Reader View - Nice!

This works on both Firefox for Android and the usual desktop client. It's especially useful on mobile as it sizes the main article nicely.
by harikaried
Fri May 29, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity as part of your Net Worth?
Replies: 25
Views: 2934

Re: Home Equity as part of your Net Worth?

Did a couple of searches but didn't see any past posts as to how much your home equity should ideally be as part of your overall net worth. Perhaps you were missing a keyword of " percentage / ratio home equity net worth " Common answers seem to fall between 10% and 30%. Unless the person...
by harikaried
Wed May 27, 2015 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3370

Re: Penfed 0.99% auto loan

Just to follow up, we received on Tuesday via USPS the one page loan paperwork (truth in lending disclosure / promissory note) to sign and return (no postage necessary). We also deposited the check with mobile deposit, and we'll handle it like we handle any additional cash/paycheck/bonus. Our monthl...
by harikaried
Tue May 26, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49545

Re: Schwab Intelligent Portfolios [now live]

how can I avoid having a commodity allocation in SIP? Here's a sheet with the various allocations: https://docs.google.com/spreadsheets/d/1APKgMzRAXjQqqV_ZyNk42SSU6gZx4b0sbWuBS6ulllI/edit?usp=sharing Equity Gold 94 0 85 3.1 77 4.7 69 5.8 65 5 61 5 54 5 45 4 37 2 28 1 21 1 12 0 Only the most aggress...
by harikaried
Mon May 25, 2015 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 and Arizona and Deleware
Replies: 10
Views: 830

Re: Fidelity 529 and Arizona and Deleware

Fidelity has 4 plans: New Hampshire, Arizona, Delaware, Massachusetts. They say the national one is New Hampshire. https://www.fidelity.com/529-plans/overview All 4 seem to have the same total expenses. There's some slight differences in maximums. We set ours up with the UNIQUE College Investing Pla...

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