Search found 39 matches

by RDHlooking4FIRE
Wed Apr 05, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

baw703916 wrote:Is there a reason not to buy the Vanguard TSM ETF (VTI) or Admiral Shares (VTSAX)?


just because I have a fidelity account and I think I would have to pay extra to get vanguard funds.
by RDHlooking4FIRE
Wed Apr 05, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Re: Mutual Funds or ETFs?

RDH: I posted an article today that listed the reasons: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=215709&newpost=3314214 Best wishes. Taylor Oh thanks good post. What if I held FSTVX in Roth and ITOT in taxable does that still "count" towards the 3 fund portfolio. Mean...
by RDHlooking4FIRE
Wed Apr 05, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

Is Fidelity total stock market fund (FSTVX) tax efficient, specifically compared to IVW (iShares S&P 500 Growth Index etf) RDH: Both funds are very tax-efficient. FSTVXs 10-year after-tax return is in the top 11% of its category. I would not select a fund or ETF solely on its past tax-efficienc...
by RDHlooking4FIRE
Wed Apr 05, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

How can you determine if a fund is tax efficient? The tax burden of holding a fund is determined by its distributions. For a stock fund, that's dividends from the underlying holdings and then any capital gains distributions from internal fund management. If a fund has to sell appreciated shares, th...
by RDHlooking4FIRE
Wed Apr 05, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

[quote="lack_ey] Virtually identical to the Fidelity fund in holdings but closer to the iShares ETF in tax efficiency (not having capital gains distributions) would be iShares Core S&P Total U.S. Stock Market (ITOT).[/quote] Oh good idea, I hadn't thought about that. Thank you. How can you ...
by RDHlooking4FIRE
Wed Apr 05, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 2329

Is Fidelity total stock market fund (FSTVX) tax efficient

Is Fidelity total stock market fund (FSTVX) tax efficient, specifically compared to IVW (iShares S&P 500 Growth Index etf) I am working my way into the 3 fund portfolio model. Currently I have 10k in my ROTH IRA in FSTVX. I also have a taxable account with 10K in IVW (with $200 in unrealized cap...
by RDHlooking4FIRE
Wed Apr 05, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2463

Re: best place to keep $20k for 2 years

For 2 years I think I would just keep the cash in a high yield savings account or CD so it is not exposed to risk. But the interests rates are still very low, not enough for me to want to sell my car.
by RDHlooking4FIRE
Tue Mar 21, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: How to compare these? (Savings Acc to bonds)
Replies: 2
Views: 243

How to compare these? (Savings Acc to bonds)

How do you compare a savings account making 1.05% to a bond fund like AGG or FSITX for savings.

AGG: Distribution Yield (TTM) 2.37%

Not sure how much FSITX yields?

How much of that is lost to taxes? and is a saving account taxed?

(I think I am in the 25% tax bracket)
by RDHlooking4FIRE
Mon Mar 20, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1636

Re: What Fidelity funds do you use in your 3 fund portfolio?

Jack FFR1846 wrote:I would put everything into FSTVX Total Stock Market Premium Class.

When your total portfolio reaches $100k, expand to bond and international.


I like this idea. I can't afford premium shares if i use all 3 funds now.
by RDHlooking4FIRE
Mon Mar 20, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1636

Re: What Fidelity funds do you use in your 3 fund portfolio?

https://www.bogleheads.org/wiki/Fidelity Rebalance within your tax-advantaged plans. View all of your investments as a single portfolio. Whether you tax effect for TIRA or Trad 401(k) balances is your choice. Thanks for the info. What is "tax effect for TIRA or Trad 401(k)" I have a ROTH ...
by RDHlooking4FIRE
Mon Mar 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1636

What Fidelity funds do you use in your 3 fund portfolio?

What Fidelity funds do you use in your 3 fund portfolio? All the recommendation I have seen for the 3 fund portfolio have been in Vangard funds. For total stock market I have 10K to invest (currently in s&p500 index etf) For total international market I would start with 2.5K For bonds I would ei...
by RDHlooking4FIRE
Sun Mar 19, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 894

Re: Emergency fund - in Prime Money Market?

15k in high yield online savings account 1.05%.
by RDHlooking4FIRE
Sun Mar 19, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2920

Re: Help my portfolio is messy

You don't want a dividend paying fund like SCHD in a taxable account. I'd turn off dividend reinvesting for all your stocks in taxable account actually, Why? Please explain? Why turn off reinvestment in taxable account? Is it better to take dividends into the core account. Then do what with the cash?
by RDHlooking4FIRE
Sat Mar 18, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 7080

Re: Am I Addicted

Yep i love transferring money from my checking account to one of my buckets. I am addicted. I thought i was the only weird one.
by RDHlooking4FIRE
Wed Mar 15, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5396

Re: Fidelity vs. Vangard?

radiowave wrote:Here we go again :)


Link to old thread?
by RDHlooking4FIRE
Wed Mar 15, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5396

Fidelity vs. Vangard?

Seems like everyone here likes vangard? Does it have much lower fees than fidelity? Other pros and cons?
by RDHlooking4FIRE
Wed Mar 15, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K, Ira maxed out, now what?
Replies: 7
Views: 817

Re: No 401K, Ira maxed out, now what?

ruralavalon wrote:
RDHlooking4FIRE wrote:The Fidelity mutual funds I suggest using include:
Fidelity Total Stock Market Index Fund;
Fidelity Total International Index Fund; and
Fidelity U.S. Aggregate Bond Index Fund.


What do you think of FTIGX for international? It seems so new and fees are a little higher. Is there a better option?
by RDHlooking4FIRE
Wed Mar 15, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Small
Replies: 14
Views: 1412

Re: Investing Small

1- Lump sum investing > Dollar cost averaging. There's only the psychological advantage if that's what matters to you (which is ok). 2 - I'd read the Boglehead guide to investing. Putting $50-100 in a taxable vs roth ira vs 529 is vastly different - sounds like you are not too familiar with these. ...
by RDHlooking4FIRE
Wed Mar 15, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

Also I choose SHYG because they were short term bonds. I thought that would be better if interest rate rise. Is total bond market or intermed. term municipal fund still ok when there is a lot of talk of rising interest rates?
by RDHlooking4FIRE
Wed Mar 15, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

Green_98 wrote:
RDHlooking4FIRE wrote:
Green_98 wrote:Does Fidelity have a Bond Fund similar to VWIUX?

I'm going to look into it.

What about FMTLX?


That looks like a target date/lifepath fund from Franklin


Opps typo. I ment Fidelity® Intermediate Municipal Income Fund- FLTMX
by RDHlooking4FIRE
Wed Mar 15, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

Green_98 wrote:Does Fidelity have a Bond Fund similar to VWIUX?

I'm going to look into it.

What about FMTLX?
by RDHlooking4FIRE
Wed Mar 15, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

BW1985 wrote:All of our cash is in VG prime money market. I like all our accounts in one place.

What interest rate do you get on a money market? When i looked at money markets they were similar % to the online savings account i already had.
by RDHlooking4FIRE
Wed Mar 15, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: No 401K, Ira maxed out, now what?
Replies: 7
Views: 817

Re: No 401K, Ira maxed out, now what?

Ok i edited with as much info that i have.
by RDHlooking4FIRE
Wed Mar 15, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

Thank you everyone for all of your responses. It's really amazing the wealth of knowledge. I have only been on this for a couple of days, and have already gotten better information than when meeting with a financial advisor during their free consultations. AKA sales pitch. This is such a great resou...
by RDHlooking4FIRE
Wed Mar 15, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: No 401K, Ira maxed out, now what?
Replies: 7
Views: 817

No 401K, Ira maxed out, now what?

My company does not offer 401k. I have maxed out my IRA for the year. Is it taxable account a good option for the rest of my retirement savings? I thought the taxable account was an OK idea because I might be retiring before 59 and a half. Just because dental hygiene is hard on the body and might no...
by RDHlooking4FIRE
Wed Mar 15, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Re: Where do you save for large purchases?

I save in..... an online savings account. No need to reinvent the wheel here. You're not talking a huge amount of money here and it's for a short timeframe. It will be minimal difference between any of the safe options you're looking for. Your savings rate is what will make the account grow. Not te...
by RDHlooking4FIRE
Wed Mar 15, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3304

Where do you save for large purchases?

I have my emergency fund in an online high yield savings account. I also have a little extra savings in another high yield savings both at 1.05%. I am not happy with the low interest rate of the high yield savings account so i have been putting the rest in a taxable account. Invested in short term b...
by RDHlooking4FIRE
Tue Mar 14, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

KidneyMD wrote:https://www.bogleheads.org/forum/viewtopic.php?f=10&t=150025&hilit=bogleheads+returns#p2244484

Yep this is what i was looking for... Once i figured out how to use it. Thanks.
by RDHlooking4FIRE
Tue Mar 14, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

also what about Personal Capital website. They have the "performance" tab but I looks like the date isn't correct and it seems like if I add money to the account they consider that a gain, and if I take money out of my account they consider it a loss. I just want to evaluate my investments...
by RDHlooking4FIRE
Tue Mar 14, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

any links to a spreadsheet or good watchlist that will display YTD performance?
by RDHlooking4FIRE
Tue Mar 14, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

livesoft wrote:If you login to your Fidelity online account and search for "Account Performance" it appears that Fidelity has probably disabled that feature.


ugh yes. I just search for that and it says it is not available.
by RDHlooking4FIRE
Tue Mar 14, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

Thanks. I will definitely look into that.
by RDHlooking4FIRE
Tue Mar 14, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

There is no legitimate way to do it without work on your part unless perhaps you have only a 401(k) at Fidelity. The netbenefits.fidelity.com has for ONLY your 401(k) with them: In the table below and when you view charts, your personal rate of return is calculated with a time-weighted formula. The...
by RDHlooking4FIRE
Tue Mar 14, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=150025&hilit=bogleheads+returns#p2244484 That method seems like a lot of work. Someone on that link suggested they just monitor the YTD of the funds they are invested in. Is that an acceptable way to track your performance? If so is ther...
by RDHlooking4FIRE
Tue Mar 14, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

Re: How to calculate your portfolios performance

I have asked them several times on their "chat" application. No one could give me a good answer.
by RDHlooking4FIRE
Tue Mar 14, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate your portfolios performance
Replies: 18
Views: 1167

How to calculate your portfolios performance

I am very new to investing, early 30's. I use Fidelity and mostly invest in ETF and some mutual funds. I have a ROTH IRA and a taxable account. I am wondering how do I how to calculate my portfolios performance? My current stocks are all up right now, but I have no idea how much money I have gained ...