Search found 5532 matches

by Duckie
Sat Apr 21, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401K fund selection through Wells Fargo
Replies: 4
Views: 293

Re: 401K fund selection through Wells Fargo

Is it possible to identify equivalent funds from Vanguard family for these funds: FXSIX, FSEVX, FSPNX. FXSIX = ( VFIAX ) Vanguard 500 Index Fund Admiral Shares (0.04%) FSEVX = ( VEXAX ) Vanguard Extended Market Index Fund Admiral Shares (0.08%) FSPNX = ( VTMGX ) Vanguard Developed Markets Index Fun...
by Duckie
Sat Apr 21, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection
Replies: 7
Views: 285

Re: 401k Fund Selection

The account is through Mass Mutual and they have an automatic rebalancing option called "Cruise Control" that I am planing to use to keep my allocation consistent, rather than having to manually rebalance. Is there any reason to do it manually instead? The main reason to do it manually is that you ...
by Duckie
Sat Apr 21, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 31
Views: 2554

Re: Do you use Yahoo? New Privacy Terms

This is what happened to me--I figured I'd have the opportunity to review something before actually agreeing to something. What happened is exactly as you described. Does that mean we accidentally accepted it already? No. The email had a glitch. The next time I logged in I got a big pop-up notifica...
by Duckie
Fri Apr 20, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Portfolio Review
Replies: 7
Views: 822

Re: 2018 Portfolio Review

Is there an online tool to test the what ifs? EG: What if I was on the fund allocation vs my current over the past 5 years, 10 years.. etc? I know I can build one with excel and yahoo data; but I wanted to see if there was something that looked nicer out there. Try Backtest Portfolio Asset Allocati...
by Duckie
Thu Apr 19, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 31
Views: 2554

Re: Do you use Yahoo? New Privacy Terms

Did anyone try clicking on the "Review and accept now" button? When I clicked on it, it sent me to a login page and when I re-logged in it sent me to the main Yahoo page. There was no way to review or accept.
by Duckie
Wed Apr 18, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 1657

Re: How to handle former employer’s retirement plan

Kathys wrote:
Duckie wrote:I consider anything above 25% high.
Did you mean 0.25%?
Yes. :oops:
I'd roll to the new plan.
even thought the money will become inaccessible until I leave the employer?
Yes.
by Duckie
Tue Apr 17, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 1657

Re: How to handle former employer’s retirement plan

When I got home I looked up the expense ratios of the funds I invested in and they seem high to me in comparison to the expense rations of the available funds in my current employer’s plan even though I can’t really compare because I don’t have the same investment options in both plans. Would you c...
by Duckie
Tue Apr 17, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Fidelity or my new 401K?
Replies: 16
Views: 767

Re: 401K rollover to Fidelity or my new 401K?

My Fidelity "advisor"--not the paid advisory service--put me in these funds when I started with him in 2013--but I'm not sure why I should stay in higher cost funds if there are lower cost index funds available. Fidelity has three low-cost total market index funds that we usually recommend: ( FSTVX...
by Duckie
Tue Apr 17, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Part time W2, how to invest pretax?
Replies: 1
Views: 119

Re: Part time W2, how to invest pretax?

Newenglandcowboy , welcome to the forum My wife recently started a part time job and receives $500/month. We are in a very high tax bracket so I’m trying to figure out a way to invest this pretax but her employer doesn’t have any options. Thoughts on how we can make use of this pretax without havin...
by Duckie
Tue Apr 17, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1667

Re: Trying to simplify investments,--Please help

Any thoughts on this Portfolio, any opinions? This looks good to me. Ignoring the $60K emergency fund, currently you have 31% US stocks, 17% international stocks, 46% bonds, and 6% cash. Taxable bank accounts -- $350K -- 6% 6% Cash/CDs His taxable at Vanguard -- $1689K -- 28% 19% ( VTSAX ) Vanguard...
by Duckie
Tue Apr 17, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 22
Views: 1903

Re: brokerage account conversion

Duckie, our 403b do take roll overs. Is it best to roll the $5,500 from the TIRA to our 403b or into a Roth? Which would provide greater advantage? Because you are using the backdoor Roth IRA method, you need to roll all pre-tax TIRA assets to the 403b plans before 12/31/2018 to avoid the pro-rata ...
by Duckie
Mon Apr 16, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Review & improvement on personal investment portfolio
Replies: 6
Views: 653

Re: Review & improvement on personal investment portfolio

Age: 40 Desired Asset allocation: 90% stocks / 10% bonds 10% bonds is low for your age. I'd be 30%. Desired International allocation: 40% of stocks Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussion . I usually sp...
by Duckie
Mon Apr 16, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

In your earlier message you mention a mix of admiral shares funds as well as investor shares funds, and no ETFs. Is there a reason to buy an SX over an AX, or is that just in the case where I would be unable to satisfy the fund minimum for AX? The reason was that since I didn't know the size of you...
by Duckie
Mon Apr 16, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1834

Re: Simplifying Investment Life

I want 60%/20%/20% Stock/Bond/Int'l how do I setup my automatic contributions to my company t401k? t401k: 25% Stock/15% Bond/15% Int'l I guess my contribution would then be 0.25/0.55=45.45% Stock 0.15/0.55 = 27.3% Int'l and Bonds. That does add up to 100% so I think that's the right calculation. No...
by Duckie
Mon Apr 16, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 22
Views: 1903

Re: brokerage account conversion

I will now (1) open a Roth with $0 balance (2) contribute $5,500 for tax year 2017 and '18 to my existing TIRA with Vanguard, (3) wait for it to post and then transfer it to the Roth (currently with a $0 balance) (4) follow the tax instructions below when working with my accountant (5) repeat again...
by Duckie
Sun Apr 15, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Redesign - Leaving EJ - Asset Allocation
Replies: 2
Views: 294

Re: Complete Portfolio Redesign - Leaving EJ - Asset Allocation

Taxable at EJ - (55.94% of total portfolio) Ouch, that's a lot of expensive funds. Many of them are decent, but they're costly. Before moving "in kind" make sure you have all the cost basis for each fund. When you do finally sell them you don't want to be begging EJ for the basis information. In ch...
by Duckie
Sun Apr 15, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning - Are we on the right path?
Replies: 10
Views: 1490

Re: Retirement Planning - Are we on the right path?

contimprov , welcome to the forum. Age: 37 Desired Asset allocation: 95% stocks / 5% bonds Only 5% bonds at your age is aggressive. I'd be at least 20% and maybe 30% bonds. Desired International allocation: 0% of stocks (not entirely sure on if this is what we need) If you don't want them, you don'...
by Duckie
Sun Apr 15, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

If I was planning to buy let’s say 50k of bonds, would you really say go buy 50k of a bond fund today? Yes. Or should I buy in as interest rates rise? I wouldn't wait. Where do you stand on bond fund vs individual bonds (I.e I-bonds). I prefer mutual funds to individual bonds. I-bonds are an except...
by Duckie
Sun Apr 15, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1834

Re: Simplifying Investment Life

I don't think there's any tax implications here - particularly moving my tIRA to my current employer's t401k. I know I have to report it on my taxes, but I don't think I'm taxed. You are correct. You do have to report it but you're not taxed. I tried to keep only one fund in each account a while ba...
by Duckie
Sat Apr 14, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1834

Re: Simplifying Investment Life

Does this seem reasonable? Yes. Roll the pre-tax 401k and company contributed pre-tax 401k directly into your current pre-tax 401k. Don't bother with rolling to the TIRA first. Roll the Roth 401k into your Roth IRA. Roll the TIRA to your current pre-tax 401k. I am thinking of closing out my account...
by Duckie
Sat Apr 14, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

Any advice for how quickly to move when setting up the appropriate asset allocation across my accounts? Should I just go buy 20% bonds, or is this something I should do over a period of months/years to take advantage of dollar cost averaging (or does that even apply in a situation like this). Have ...
by Duckie
Sat Apr 14, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Switching from SEP IRA to Solo 401k
Replies: 2
Views: 181

Re: Switching from SEP IRA to Solo 401k

I've already contributed to my SEP IRA for tax year 2017 (though I made the contribution this month). Can I still switch to and contribute to the solo 401k in 2018? Yes. As long as you don't make any contributions to the SEP IRA for 2018, you're good. As I max out my 401k at my main job, I know tha...
by Duckie
Sat Apr 14, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth IRA
Replies: 1
Views: 225

Re: Opened a Roth IRA

I just opened an account with Vanguard. My question is, what is the Vanguard Federal Money Market Fund? Is my money added to that by default? The Federal Money Market Fund is the settlement fund for the brokerage. That's where new money goes. My account is pending approval so do I have To wait till...
by Duckie
Sat Apr 14, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

90/20 makes sense, but does emergency fund factor into this? right now my emergency fund (getting 1.5-1.75% in HY saving and MM) is approx 10% of my net worth. Your emergency fund does not factor into your retirement portfolio. (And I assume you mean 80/20, not 90/20.) 70/30 was my though for domes...
by Duckie
Fri Apr 13, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Roth conversion
Replies: 6
Views: 502

Re: Question on Roth conversion

So would it make sense, in the future when I do these transactions, to ACH transfer from my Ally account to Vanguards Federal Money Market Fund, Yes. let that settle, and then after it settles purchase the VTSMX and then convert to Roth the following day? Once it settles convert to the Roth IRA, th...
by Duckie
Fri Apr 13, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

Age: 29 Desired Asset allocation: 90/10 (probably 95/5 but working on it) 10% bonds is aggressive. I'd be at least 20%. Desired International allocation: 70/30 (missing the mark on this too, but working on it) Do you mean you want 70% of your stocks to be US and 30% to be international? My wife has...
by Duckie
Thu Apr 12, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: In Backdoor Roth IRA tax reporting [problems] - please help
Replies: 2
Views: 248

Re: In Backdoor Roth IRA tax reporting [problems] - please help

I use TurboTax so this information may not be exactly how to do it in HR Block, but it'll give you an idea. Tell HRB that you contributed $5500 to a Roth IRA for 2017 in 2017. Somewhere it should ask you if you recharacterized any of that contribution to a TIRA. Click yes. When it asks how much was ...
by Duckie
Thu Apr 12, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: More strategic asset allocation across taxable/non-taxable account going forward
Replies: 14
Views: 1130

Re: More strategic asset allocation across taxable/non-taxable account going forward

Dak52 , welcome to the forum. Any and all advice is welcome. What are the options in the 401k? List the fund names, ticker symbols, and plan expense ratios. You should consolidate your Roth IRAs at one custodian. Vanguard, Fidelity, and Schwab are the most recommended on this board. Does your spous...
by Duckie
Wed Apr 11, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2217

Re: Why is TurboTax saying I need to file multiple state tax returns?

So as I'm going through it jointly, it's asking me which of the total stock numbers that I put in earlier for federal came during the time in California to be taxed by their state...how do I do this? You pick the exact date she left California and you look at the brokerage and bank statements, mont...
by Duckie
Tue Apr 10, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, Bigger Paycheck, No more Roth?
Replies: 6
Views: 593

Re: New Job, Bigger Paycheck, No more Roth?

What should I do about the ~$2000 I already contributed to the Roth so far this year? I didn’t realize that my income may cause an issue when I added the money into my vanguard account already for 2018 Depending on whether or not you have any other non-Roth IRAs (because of the pro-rata rule ), you...
by Duckie
Tue Apr 10, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fund IRA's or not? Possible to have too much in IRA's?
Replies: 20
Views: 1848

Re: Fund IRA's or not? Possible to have too much in IRA's?

These are our tax-advantaged accounts: His Roth IRA: $48,362 His Rollover IRA (not Roth): $88,580. His 401(k): $358,165 - just under half of this is Roth. Her Roth IRA: $31,570 Her Inherited IRA (not Roth): $3,399,992 Based on this, how useful would it look like to you that we do backdoor Roth IRA'...
by Duckie
Tue Apr 10, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 10
Views: 904

Re: Rebalancing advice

Non-Qualified Plan Options The best options are: VANG INST INDEX PLUS (VIIIX) 0.02% -- Large caps, 80% of US stocks BTC RUSSELL 2500 0.04% -- Mid/small caps, 20% of US stocks BTC US DEBT 0.03% -- US bonds Company Contribution Plan Options The best options are: VANG INST INDEX PLUS (VIIIX) 0.02% -- ...
by Duckie
Tue Apr 10, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 34 and Need Investing Help
Replies: 8
Views: 1235

Re: I'm 34 and Need Investing Help

Just to be clear, if I opened a solo 401K, do you all think I should indeed roll over my 401K from my old job into the solo 401K? Or, keep the old 401K as is and just open the solo 401K?

 It depends on the options/costs in the old 401k but yes, I think you should combine them. It's one less accoun...
by Duckie
Tue Apr 10, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Sound investment strategy?
Replies: 6
Views: 710

Re: Sound investment strategy?

Given we have more capital going to taxable advantaged accounts we'll need to have some stocks in them, but does this look like a correct tax efficient fund placement to aspire to given this set of accounts? Basically, yes. In general it's better to put assets with higher expected growth (stocks) i...
by Duckie
Tue Apr 10, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Employer fund options or broker instead?
Replies: 4
Views: 288

Re: Employer fund options or broker instead?

geospatial wrote:Offhand, are you sure that the International Stock Index Fund represents all international stocks including emerging markets?
According to your link the International Stock Index Fund in your plan follows the MSCI All-Country World Ex-USA IMI Index which is a "total international" index.
by Duckie
Mon Apr 09, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Higher ER with 403(b) Options?
Replies: 11
Views: 298

Re: Paying Higher ER with 403(b) Options?

I agree with FiveK. I'd start with 80% of your contribution going to 500 Index and 20% going to Bond Index. You'd be missing mid/small caps and international but you can get them in an IRA if wanted.
by Duckie
Mon Apr 09, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing to multiple retirement plans. Need a reference please!
Replies: 4
Views: 322

Re: Contributing to multiple retirement plans. Need a reference please!

You have a separate deferral limit if you’re also eligible to participate in a 457(b) plan. See 457(b) Plan Contribution Limits. It is not combined with your deferrals made to a 403(b) or other plans. "Or other plans" should include solo401ks, correct? Yes. For 2017 as an employee you can contribut...
by Duckie
Mon Apr 09, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Higher ER with 403(b) Options?
Replies: 11
Views: 298

Re: Paying Higher ER with 403(b) Options?

akm0404 , welcome to the forum. Given that I'm only able to invest in the .75% actively managed fund via the 403(b), is it ever better to eschew the pre-tax vehicle and stick post-tax dollars into a taxable account with Fidelity instead? In other words, is there ever a break point where a higher ER...
by Duckie
Mon Apr 09, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 34 and Need Investing Help
Replies: 8
Views: 1235

Re: I'm 34 and Need Investing Help

I’m 34 and self employed. Do you have employees? What should I do with my 401K? That depends on whether or not you have employees. If you don't, you can open a solo 401k at Fidelity and roll the 401k over to it. (Vanguard's solo 401k does not allow incoming rollovers.) You would also want to roll y...
by Duckie
Mon Apr 09, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Employer fund options or broker instead?
Replies: 4
Views: 288

Re: Employer fund options or broker instead?

I believe the fund options and expense ratios for the index funds are competitive with the big brokers out there (Vanguard, Fidelity, Schwab, etc...) but would like confirmation based on others' experience/knowledge You have some excellent low-cost options. The primary ones are: Large Company Stock...
by Duckie
Mon Apr 09, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Consulting income-how to manage taxes?
Replies: 11
Views: 937

Re: Consulting income-how to manage taxes?

beginner_investor wrote:From his university employer we currently max out his 401K, 403b and 457b.
The 401k and 403b plans share the same $18.5K employee contribution total. If you max one you can't contribute to the other. Are you referring to after-tax (not Roth) contributions?
by Duckie
Mon Apr 09, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sound investment strategy?
Replies: 6
Views: 710

Re: Sound investment strategy?

Heres the list: You have a lot of excellent choices. Because you have a taxable account earmarked for retirement using individual funds instead of balanced funds (funds with both stocks and bonds) in all accounts is the best option for figuring your AA and rebalancing. HSA Funds Normally the best o...
by Duckie
Sun Apr 08, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 5
Views: 568

Re: Please Evaluate My Portfolio and Make Recommendations

I am very new to the investing concepts; can you explain or link to an explanation, what "sell up to the top of my 25% tax bracket" means? Your tax bracket for 2017 was 25%. For 2018 it may be 24%. I'm not sure because I don't know your income. Here are the Long-Term Capital Gains Rates and Margina...
by Duckie
Sun Apr 08, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help Transfer Index Fund from Fidelity To Vanguard
Replies: 13
Views: 1022

Re: Help Transfer Index Fund from Fidelity To Vanguard

I think I will initiate a transfer in kind as suggested. I guess I can do it on line but not sure exactly what form to use but I will figure that out. If anyone with experience can briefly guide me through the procedure it would be appreciated. You need to open a taxable brokerage account at Vangua...
by Duckie
Sun Apr 08, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Sound investment strategy?
Replies: 6
Views: 710

Re: Sound investment strategy?

taxefficionado , welcome to the forum. Overall, does this look like an okay strategy? Other than Betterment, yes. I would like to sell off the $25k in stock from my previous employer to be more diversified, but I don't want to cause any major adverse tax consequences. You don't have to sell it all ...
by Duckie
Sun Apr 08, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: 3-port vs. Vanguard LifeStrategy Funds
Replies: 4
Views: 528

Re: 3-port vs. Vanguard LifeStrategy Funds

If you have a 3-port approach and your AA is 40/60 stocks/bonds or 60/40, why would you choose VTSAX/VTIAX/VBTLX or VTI/VXUS/BND over Vanguard LifeStrategy Conservative Growth Fund (VSCGX)--40/60 or Vanguard LifeStrategy Moderate Growth Fund (VSMGX)--60/40? E.g., do the lower expense ratios of the ...
by Duckie
Sun Apr 08, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio - newbie(ish) investor here
Replies: 6
Views: 550

Re: Please critique my portfolio - newbie(ish) investor here

lookingforFIRE , welcome to the forum. Desired Asset Allocation: 70% Stocks/ 30% Bonds - going by "age in bonds" philosophy.My SO wants a more balanced approach. I am bit more on the "aggressive" side. 70/30 is reasonable. What does your SO mean by "balanced"? Desired International Allocation-> Wou...
by Duckie
Sat Apr 07, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Helpless 27 year old!!
Replies: 6
Views: 923

Re: Helpless 27 year old!!

Is there any specific way I should break down the contributions into each or should I just stick with VINIX 90% and FXSTX 10%? <snip> I could have all three of my accounts at Fidelity, but wouldn't that make my investments between my ROTH IRA and taxable stock account redundant? You look at all ret...
by Duckie
Sat Apr 07, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Non-deductible IRA
Replies: 5
Views: 432

Re: Non-deductible IRA

We do have existing Traditional IRAs from past 401k rollovers. Given this, it does seem that funding new, Traditional non-deductible IRAs would complicate tax matters down the road and may not be as effective. If your current 401k plans will take incoming rollovers (and have decent options) you cou...
by Duckie
Sat Apr 07, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Helpless 27 year old!!
Replies: 6
Views: 923

Re: Helpless 27 year old!!

I updated my post with the options. The best 401k options are: VANGUARD INST INDEX (VINIX) 0.035% -- Large caps, 80% of US stocks FID EXT MKT IDX PR (FSEVX) 0.07% -- Mid/small caps, 20% of US stocks FID INTL INDEX PR (FSIVX) 0.06% -- Developed markets, 75% of international stocks FID US BOND IDX IS...