Search found 220 matches

by SlowMovingInvestor
Sun Dec 10, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Tool to Model Cost Basis before you sell?
Replies: 7
Views: 329

Re: Fidelity Tool to Model Cost Basis before you sell?

Do you normally sell LongTerm/Highest cost shares first? Sort/Prefill by: Holding Period: Long Term or Short Term Cost: Highest Cost Shares or Lowest Cost Shares To reduce income (as you indicated earlier), it is preferrable to sell highest cost shares first. To reduce taxes, it might be better to ...
by SlowMovingInvestor
Thu Dec 07, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It looks like there's a new Schwab bonus that should be a good option for those looking to transfer between $10k and $100k. https://www.schwab.com/public/schwab/nn/new_assets_client_award_sps.html The Schwab offers are once per lifetime unfortunately. Or they were at one point. It does say for Stoc...
by SlowMovingInvestor
Thu Nov 30, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm going to end up with 2 TDAM regular (non IRA) accounts at the end of the year since I opened a new account for bonus purposes. Once the bonus is received (should be this year), can I just tell TDAM to merge both accounts into one (by transferring securities if need be) and close the 2nd account ...
by SlowMovingInvestor
Thu Nov 30, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Withholding
Replies: 5
Views: 823

Re: Vanguard Withholding

You could try removing your SS number from your account. Then backup withholding would occur. Backup withholding. If an authorized taxpayer identification number (e.g., Social Security number) has not been provided on your account registration form or certified with a W-9 Form, backup withholding e...
by SlowMovingInvestor
Tue Nov 28, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Withholding
Replies: 5
Views: 823

Vanguard Withholding

In the past, I've had Vanguard do withholding of federal taxes (at a flat 28%) from distributions in a a regular account (i.e. non IRA). TI had turned the feature off 1-2 years back. I asked Vanguard to set withholding up again this year, but I was told that it was not poossible. I currently have a ...
by SlowMovingInvestor
Thu Nov 23, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-State MFS Tax Filing
Replies: 2
Views: 215

Re: Multi-State MFS Tax Filing

First thing you have to do is determine if the state you are filing allows you to file anything other than MFJ if you file MFJ for Federal purposes. thanks ! State A in my case is NJ, and the state tax web site says that if we file MFJ for federal purposes: if during the entire tax year one spouse ...
by SlowMovingInvestor
Thu Nov 23, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-State MFS Tax Filing
Replies: 2
Views: 215

Multi-State MFS Tax Filing

Around 9 months into this year, I moved from a higher tax state (state A) into a mid tax state (state B) for a new job -- we have a residence there and my voter id, drivers license etc. is now in state B. My spouse continues to work and live in state A . My passive income earning investments are all...
by SlowMovingInvestor
Fri Nov 17, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15147

Re: Why pay cash for a car?

Personally I don't get the folks who turn down a 0% loan because they don't want a monthly payment. Put the money in the bank earning 1.3% and set it on autopay. If you have monthly bills for various utilities (total of 5 for me), insurance, cell phone, streaming service, etc. what's one more. I ce...
by SlowMovingInvestor
Tue Nov 14, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15147

Re: Why pay cash for a car?

I just don't see how it makes sense from a strictly financial point of view to pay cash when you can get a zero or low interest loan, with no discount to the purchase price if you pay in a lump sum. That's the rub though -- how do you know there is no discount to the cash price ? There may be some ...
by SlowMovingInvestor
Tue Nov 14, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 1021

Re: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade

I agree completely with the article, of course. There's a reason why you don't see any dirt cheap mutual funds in the now old-fashioned NTF fund platforms. Those funds almost universally have 12b-1 fees that have you paying for the NTF platform. And I am positive that "platform payments" from fund ...
by SlowMovingInvestor
Tue Nov 14, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 1021

Re: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade

The near 0 interest money market account is certainly true for TDAM. It is not true for Fido, whose MM rates are competitive with just about any other firm except VG. Schwab has a good MM rates too (although that cant be your sweep fund)
by SlowMovingInvestor
Mon Nov 13, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44167

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I have free trades in one newly opened TDAM account (lots), but none in another account (which is an IRA). I have a CD that doesn't come due for another 2 weeks in the account without free trades, so I wouldn't be able to use it to purchase some of the commission free ETFs that are being removed fro...
by SlowMovingInvestor
Sun Nov 12, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15147

Re: Why pay cash for a car?

One more reason I'm a little wary of financing a car -- I really don't trust dealers to present loan documents honestly. Even when it comes to cash OOTD prices, I've seen dealers play games (in one cqse, adding extra $$ to taxes). But cash is easy to check. When it comes to financing (unless it's 0%...
by SlowMovingInvestor
Sun Nov 12, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15147

Re: Why pay cash for a car?

Many ultra low loan rates seem to be offered in lieu of a rebate. So one needs to take the loss of the rebate into account when deciding whether to pay cash or not. SlowMovingInvestor, In my case, it is the reverse. I received an extra rebate for taking a car loan instead of paying cash. KlangFool ...
by SlowMovingInvestor
Sun Nov 12, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15147

Re: Why pay cash for a car?

Many ultra low loan rates seem to be offered in lieu of a rebate. So one needs to take the loss of the rebate into account when deciding whether to pay cash or not.
by SlowMovingInvestor
Fri Nov 10, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Medical Costs -- Procedure vs. Office Visit
Replies: 7
Views: 435

Re: Medical Costs -- Procedure vs. Office Visit

Here is the basics: If one is seeing the doc and you are giving a history and having a PHYSICAL exam (touching you with hands) and based on that is coming up with an idea of what the problem is and starting some plan to treat that is billed under a: E/M code (evaluation and management). Those are t...
by SlowMovingInvestor
Fri Nov 10, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Medical Costs -- Procedure vs. Office Visit
Replies: 7
Views: 435

Re: Medical Costs -- Procedure vs. Office Visit

No knowledge of your plans or medical history, but if you will be charged full price for office visits, I suspect that will quickly accumulate into your deductible. In other words, might you be underestimating this full cost for office visits? What kinds of charges do you expect? My seat of the pan...
by SlowMovingInvestor
Fri Nov 10, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Medical Costs -- Procedure vs. Office Visit
Replies: 7
Views: 435

Medical Costs -- Procedure vs. Office Visit

I've decided to go with an HDHP plan for next year (on a PPO for the rest of the year). I've used up almost none of my deductible so far this year, so trying to figure out what I should do for the rest of the year. My current plan only has co-pays for 'office visits', whereas the HDHP plan will char...
by SlowMovingInvestor
Wed Nov 08, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: HSA w high medical expenses: Still worth it?
Replies: 18
Views: 1372

Re: HSA w high medical expenses: Still worth it?

Not to hijack this thread (but it is somewhat related), but when doing these calculations on what plan to choose, should one also take into account not just the value of the tax deduction from an HSA account, but also (the presumed) value of tax free earnings on the HSA account over some future peri...
by SlowMovingInvestor
Wed Nov 08, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: DFA access
Replies: 27
Views: 2594

Re: DFA access

I've had two friendly email exchanges over the last year with an advisor who offers DFA access through TD Ameritrade for a fixed fee. The fee he quoted me a month ago was $900/year, guaranteed for at least 5 years. (That includes developing an IPS with you and managing the portfolio in accordance w...
by SlowMovingInvestor
Wed Nov 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Health care Insurance comparisons
Replies: 3
Views: 452

Re: Health care Insurance comparisons

SpiritRider, thanks.

One more related question, since you mentioned HSAs . if I have an HDHP, I presume I would still get to pay at the insurance negotiated rate, right ? It's not like I would pay rack rates until/if I hit my 'high' deductible. Or does that depend on the specific plan ?
by SlowMovingInvestor
Wed Nov 08, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm thinking of doing a medium sized transfer out of Vanguard. I was planning to take PDFs of holdings and cost basis prior to transfer. Unfortunately, there doesn't seem to be any way to do a download of cost basis into CSV files at VG, so I can't use a macro to compare in a spreadsheet. So it seem...
by SlowMovingInvestor
Wed Nov 08, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TimeRunner wrote:
Tue Nov 07, 2017 11:24 pm
For the smaller accounts, Schwab as of this post date: http://www.schwab.com/public/schwab/nn/ ... d_sps.html
That's only for Stock Plan Services people. I doubt you can make use of it as a general investor.
by SlowMovingInvestor
Wed Nov 08, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Health care Insurance comparisons
Replies: 3
Views: 452

Health care Insurance comparisons

I'm evaluating health care choices for next year from different insurance companies during open enrollment (our company gives a choice between multiple insurance companies, each offering multiple levels of coverage -- similar to the ACA exchanges, but private). Note that the co-insurance, deductible...
by SlowMovingInvestor
Mon Nov 06, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA questions
Replies: 2
Views: 288

HSA questions

I had some general questions related to HSA accounts. My apologies if some are elementary, but I'm new to this, and my HR department is non-existent. The scenario we're considering is that I sign up an HDHP plan for next year. My spouse will be on the same plan, and is not working now, but that coul...
by SlowMovingInvestor
Mon Nov 06, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I floated a question to the local Fidelity rep about matching an offer for a 250k+ transfer. After checking, the promotions team would not authorize a cash bonus, just two years of free trades. The rep indicated, in rather confused terms, that it was due to the new fiduciary rule. Seems odd. A very...
by SlowMovingInvestor
Mon Nov 06, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44167

Re: Fellow TDA bogleheads

deltaneutral83 wrote:
Mon Nov 06, 2017 9:12 am
I also got the ETF commission free email extension until Jan, in my HSA. Did NOT get the email in my Roth or taxable.
That would support the theory that HSAs are getting a break because they're considered 'instituional', but individual investors are not.
by SlowMovingInvestor
Mon Nov 06, 2017 7:08 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44167

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

AntsOnTheMarch wrote:
Mon Nov 06, 2017 6:58 am
I received the email. I have small hsa account with TDA. I did not complain.
I don't know much about HSAs are held at TDA. Are they held through a third party provider such as a bank or a benefits administrator ? If so, could they be considered 'institutional' and hence they get the extension ?
by SlowMovingInvestor
Mon Nov 06, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: HSA or Traditional Health Insurance - Need Insights
Replies: 17
Views: 1288

Re: HSA or Traditional Health Insurance - Need Insights

You live in NJ, which does not recognize HSAs. Thus your only tax savings will be on the federal tax. Not to hijack this thread, but if one lives in a state (NJ, CA) that does not recognize HSAs, I gather that even interest and dividends in the HSA are taxed by the state. Do providers send you a 10...
by SlowMovingInvestor
Mon Nov 06, 2017 6:33 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44167

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I sent a secure message to them, and heard back specifically that the date was still Nov 21st. I have < 500K with them, if that matters.

I had actually lodged a formal complaint earlier, but it seems that is to no avail.
by SlowMovingInvestor
Sat Nov 04, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: MF to ETF Conversion [Mutual Fund to Exchange-Traded Fund]
Replies: 10
Views: 602

Re: MF to ETF Conversion

... One note: They convert NAV to NAV, not mutual fund NAV to ETF share price, so it might look like you have a few dollars more or less in VXUS depending on whether it is trading at a premium or discount that day... Is this actually documented anywhere? I've looked before and could never find anyt...
by SlowMovingInvestor
Sat Nov 04, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5268

Re: Out of network care

One specific Dental HMO that I used at one time had a specific phone number for HMO plan members. Once I got through to the regular number, and the rep actually seemed annoyed and bounced me to the HMO number, which had a much longer wait time. Note this is Dental, not medical. I have no experience ...
by SlowMovingInvestor
Thu Nov 02, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44167

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Just got an email that Jan 19 is the new commission free deadline for everybody. We have extended the commission-free transition period for legacy ETFs until January 19, 2018. All new funds are available to trade commission-free today. After January 19, 2018, the 84 legacy funds will still be avail...
by SlowMovingInvestor
Thu Nov 02, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

What happens to fractional ETFs during an interbrokerage transfer (specifically a transfer out of Vanguard) ? Are we required to sell before, or are the fractional amounts liquidated automatically ? And if so is there an actual market for fractional ETFs (done through VBS) ? Also, what about shares ...
by SlowMovingInvestor
Wed Nov 01, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Carmax, Junk Yard, Auction?
Replies: 17
Views: 1553

Re: Carmax, Junk Yard, Auction?

I would donate it and get it as tax deduction. I just did with one car, but my car I still drivable, very good. But KBB shows an amount of $800, I could sell it for $300-$500 max, but I no longer want the liability of selling it to a total stranger. I get at least $500 for donation or more if they ...
by SlowMovingInvestor
Tue Oct 31, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 735

Re: Scottrade and TD Ameritrade

I got a mailed notification that my branch is closing and a phone call from someone to tell me about the change. Doesn't really affect me since I've never been to the branch, and I had moved after setting up the account and the new branch is much closer to me than the old one. I'm planning to switc...
by SlowMovingInvestor
Tue Oct 31, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Scottrade and TD Ameritrade
Replies: 6
Views: 735

Scottrade and TD Ameritrade

I'm curious if anyone has any personal experiences with changes as a result of the Scottrade takeover by TDAM. There are a whole set of generic changes discussed on the Scottrade transition pages, and they say that accounts will be transitioned between Jan-March 2018. Are there any concrete changes ...
by SlowMovingInvestor
Tue Oct 31, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 981

Re: Tax Basis -- Converting Vanguard funds to ETFs

I actually just converted from admiral funds to ETF: both VBR and VXUS. I called to do the conversion on 10/23 and the ETF showed up on 10/24. However, my new tax basis has not showed up yet. When i go to the tax basis screen, the new shares don't show up. I am worried the tax basis won't show up. ...
by SlowMovingInvestor
Tue Oct 31, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check: IRA shuffle
Replies: 9
Views: 746

Re: Sanity check: IRA shuffle

Let's start with the rules for what 401Ks can accept: Most 401Ks can accept rollovers from other 401Ks or Rollover IRAs that contain previous rollovers of 401Ks. Some 401Ks can accept tIRAs that contain tax-deferred contributions and their growth. No 401K is permitted to accept non-deductible tIRA ...
by SlowMovingInvestor
Mon Oct 30, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check: IRA shuffle
Replies: 9
Views: 746

Re: Sanity check: IRA shuffle

Also, the article you link cites the following IRS page to support the 'multiple destination' idea'

https://www.irs.gov/retirement-plans/ro ... ment-plans

But that IRS page only talks about rollovers from retirement plans to IRAs, not for conversions.
by SlowMovingInvestor
Mon Oct 30, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check: IRA shuffle
Replies: 9
Views: 746

Re: Sanity check: IRA shuffle

The reference to pre-tax is a little confusing. You will have to pay tax on the growth when you do the conversion. However, it is also possible (if his employer accepts it) to send the growth in his IRA to his employer's 401K, and rollover just the contributions. For Her IRA, that really wouldn't b...
by SlowMovingInvestor
Mon Oct 30, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check: IRA shuffle
Replies: 9
Views: 746

Re: Sanity check: IRA shuffle

Looking for a sanity check for the following planned shuffle involving of my 401(k) and various IRA accounts: Currently situation: His Fidelity 401(k) containing only pre-tax contributions. His large-ish rollover IRA containing pre-tax money from a previous employer's 401(k). TD Ameritrade, no acco...
by SlowMovingInvestor
Mon Oct 30, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth cautionary tale (Fidelity)
Replies: 4
Views: 1137

Re: Mega Back Door Roth cautionary tale (Fidelity)

My 401k is through Fidelity/Net Benefits also. I keep my after-tax conversions to Roth IRA at Fidelity itself. It is a much faster process - the money is put my 401k on Day 1, and it is usually in the Roth IRA on Day 2. So, I am about a day or so out of the market with that money, rather than days/...
by SlowMovingInvestor
Mon Oct 30, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bringing money from India to USA
Replies: 12
Views: 1268

Re: Bringing money from India to USA

Hi Bogleheads, I am wondering if anyone can provide any guidance in this matter. My cousin will be coming to US after about a year from now for further studies. To help him with his expenses while studying, my uncle wants to start sending funds from India to US. He wants me to bring the funds in th...
by SlowMovingInvestor
Mon Oct 30, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 981

Re: Tax Basis -- Converting Vanguard funds to ETFs

The conversions are done at mutual fund NAV to ETF NAV, not ETF market price. So the market value of your resulting position will be higher than you started with if the ETF is trading at a premium (and lower if it is trading at a discount). In the case of VSS, which is the ETF I'm usually convertin...
by SlowMovingInvestor
Mon Oct 30, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 662
Views: 111004

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I talked to someone at TDAM about bonuses. The person didn't seem to know about this promotion (the best offer that I can find), https://www.tdameritrade.com/offer/for90days/index.html Instead he referred to some promotion that would get me Apple Gift Cards (which I was not interested in). I could s...
by SlowMovingInvestor
Sun Oct 29, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 981

Re: Tax Basis -- Converting Vanguard funds to ETFs

I did my first conversion, and the cost basis transferred perfectly. Rather surprisingly, I actually got a small bonus during conversion (a few 10s of a percentage point), but it was a large holding so a few hundred dollars. I presume that is because of NAV/market price differences. It also seems t...
by SlowMovingInvestor
Sun Oct 29, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2266

Re: VG free turbo tax?

Fido did not have free TT for tax year 2016. I called Fido up back in Feb or so, and they said no free TT, only $20 off, although I am Fido Private Client. If you trade a lot at Fido, I think you were eligible, but I don't trade much. This is weird. I got it for free from Fido for TY2016. I definit...
by SlowMovingInvestor
Sun Oct 29, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2266

Re: VG free turbo tax?

Fido did not have free TT for tax year 2016. I called Fido up back in Feb or so, and they said no free TT, only $20 off, although I am Fido Private Client. If you trade a lot at Fido, I think you were eligible, but I don't trade much.
by SlowMovingInvestor
Sat Oct 28, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 981

Re: Tax Basis -- Converting Vanguard funds to ETFs

I did my first conversion, and the cost basis transferred perfectly. Rather surprisingly, I actually got a small bonus during conversion (a few 10s of a percentage point), but it was a large holding so a few hundred dollars. I presume that is because of NAV/market price differences. It also seems th...