Search found 160 matches

by flyersrule
Tue Sep 19, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Yes, but for option 1, you have to consider that adding cash will adjust your allocation, so you'll end up with something that looks like this: Taxable $150,581 - FSTVX $89,985 - FTIPX Roth $23,143 - FSITX 401k $89,000 - PTTAX 209,056 - BSPIX For Option 2, you'll need to add a lot of cash, so it wo...
by flyersrule
Mon Sep 11, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to purchase an ETF Fido?
Replies: 12
Views: 526

Re: How to purchase an ETF Fido?

VTEB has an average bid/ask spread of 1 cent: https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/bidaskspread I would just place a market order and get instantaneous order fulfillment. Perhaps you have already made your purchase? How did it go? Also I think today is a good day to buy ...
by flyersrule
Mon Sep 11, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to purchase an ETF Fido?
Replies: 12
Views: 526

Re: How to purchase an ETF Fido?

When buying an ETF at at FiDo during normal trading hours is there a specific option I should choose? I only have done mutual funds where I get last day pricing. I remember reading that I should do a certain type of order for an ETF to protect against a rare major drop while I'm purchasing . Trying...
by flyersrule
Mon Sep 11, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to purchase an ETF Fido?
Replies: 12
Views: 526

Re: How to purchase an ETF Fido?

Smarter people than me will chime in with good advice about limit orders and such, I don't use them that much. But have you perhaps considered opening a Vanguard account and buying it there? You'll incur a $4.95 commission at Fidelity each time you buy or sell a Vanguard ETF, which you won't if you...
by flyersrule
Mon Sep 11, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to purchase an ETF Fido?
Replies: 12
Views: 526

How to purchase an ETF Fido?

When buying an ETF at at FiDo during normal trading hours is there a specific option I should choose? I only have done mutual funds where I get last day pricing. I remember reading that I should do a certain type of order for an ETF to protect against a rare major drop while I'm purchasing. Trying t...
by flyersrule
Mon Sep 04, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8429

Re: [Bitcoin] question

How easy is it to buy and sell a Bitcoin or Ethereum? For instance, let's say BTC is $4k each and ETH is $500. Can I just go on coinbase with $10k and purchase 2 Bitcoins and 4 units of Ether? Then transfer them to an external hardrive wallet and disconnect it from my PC. Then 1 year from now the p...
by flyersrule
Mon Sep 04, 2017 12:09 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 125
Views: 8429

Re: [Bitcoin] question

How easy is it to buy and sell a Bitcoin or Ethereum? For instance, let's say BTC is $4k each and ETH is $500. Can I just go on coinbase with $10k and purchase 2 Bitcoins and 4 units of Ether? Then transfer them to an external hardrive wallet and disconnect it from my PC. Then 1 year from now the pr...
by flyersrule
Sat Aug 26, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA - Moving funds from Money Market to Target? How
Replies: 1
Views: 153

Traditional IRA - Moving funds from Money Market to Target? How

My wife had moved an IRA of hers from BoA a while ago to Vanguard. There is about $18K sitting in a Money Market Account within the Traditional IRA and about $17K allocated to VTIVX (Target 2045). She has not made 2017 $5500 contribution yet. I am trying to help her use the $18K (Prime Money Market)...
by flyersrule
Wed Aug 23, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 5933

Re: The Three-Fund Portfolio

I always read in countless posts and forums that... "When the markets go down, things are on sale and I buy more". Its been a interest of mine to see what the people are generally buying when they say this. What do you guys typically buy? TSM or Index funds or individual equities? What is your go t...
by flyersrule
Wed Aug 23, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 5933

Stocks On Sale - What do you buy?

I always read in countless posts and forums that... "When the markets go down, things are on sale and I buy more". Its been a interest of mine to see what the people are generally buying when they say this. What do you guys typically buy? TSM or Index funds or individual equities? What is your go to...
by flyersrule
Wed Aug 23, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: What to do in 401K when S&P500 Index Fund is the only decent fund?
Replies: 9
Views: 700

Re: What to do in 401K when S&P500 Index Fund is the only decent fund?

I had a similar situation. Black Rock SP500 fund was only good index in my 401k at .11 ER. Out money in that fund then open a Vanguard taxable and buy Admiral Shares of Exempt Intermediate Bonds or Etf equivalent VTEB. That will even out bond allocation
by flyersrule
Thu Aug 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3944
Views: 1038261

Re: U.S. stocks in freefall

And the market just took back what it gave earlier this with with NK. Such a sham :)
by flyersrule
Thu Aug 17, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

I think VTEB looks to be a solid choice considering growth since its inception compared to others like MUB, FTABX, PTTAX http://quotes.morningstar.com/chart/fund/chart.action?t=FTABX®ion=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defa...
by flyersrule
Wed Aug 16, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

Would you ever recommend doing an even split between FTABX and VTEB? 50/50. You get longer term more risk then mid term less.
by flyersrule
Mon Aug 14, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 124
Views: 8476

Re: Bitcoin

I bought in to a few of the Crypto coins after doing research on them. 5 weeks in and I have made 5 times my investment. I pulled out my original investment after the 2nd week. Now, I'm just playing with house money. I'm learning something new and I'm having fun doing it. Plus, it has turned into a...
by flyersrule
Thu Aug 10, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

SEC 30 day yield on VTEB is higher than the SEC 30 day yield on PTTAX without adjusting for taxes for funds of similar duration, albeit different holdings. You might consider VTEB if it were in your 401k! Do you have other good investment options in your 401k or are you just trading a high ER bond ...
by flyersrule
Thu Aug 10, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

Lets say we buy $100K in VTEB with Fidelity in 1 transaction at $4.95 and then sell in 5-10 years where it has increased to $108K. What would be the fee for selling that fund? Now lets use the same numbers with FTABX and MUB that don't have a $4.95 fee. That would be commission when selling at $108...
by flyersrule
Thu Aug 10, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

Lets say we buy $100K in VTEB with Fidelity in 1 transaction at $4.95 and then sell in 5-10 years where it has increased to $108K.

What would be the fee for selling that fund?

Now lets use the same numbers with FTABX and MUB that don't have a $4.95 fee. That would be commission when selling at $108K
by flyersrule
Thu Aug 10, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

Not to hijack the thread but I need about 100k to hit my 20% bond allocation. I only have PTTAX at .85 (no load,) in my 401k. In 28% bracket and am now thinking of going the VTEB, MUB or FTABX route instead in my Fido Account. Thoughts? SEC 30 day yield on VTEB is higher than the SEC 30 day yield o...
by flyersrule
Thu Aug 10, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

Yes, no commission for the DRIPS. The benefit is - for those with Fidelity brokerage accounts who want to invest in Vanguard funds - purchasing mutual fund shares of Vanguard funds is $45 - 75 per transaction. Of course, automatic reinvestment of dividends is an easy option for the funds. However, ...
by flyersrule
Thu Aug 10, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

What's the benefit. Does it reinvest without having to pay $4.95 again? Yes, no commission for the DRIPS. The benefit is - for those with Fidelity brokerage accounts who want to invest in Vanguard funds - purchasing mutual fund shares of Vanguard funds is $45 - 75 per transaction. Of course, automa...
by flyersrule
Thu Aug 10, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

What's the benefit. Does it reinvest without having to pay $4.95 again? Yes, no commission for the DRIPS. The benefit is - for those with Fidelity brokerage accounts who want to invest in Vanguard funds - purchasing mutual fund shares of Vanguard funds is $45 - 75 per transaction. Of course, automa...
by flyersrule
Wed Aug 09, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

If I go the VTEB route in taxable, i am reading about DRIP. How does this work? Someone mentioned it would throw off tax lots
by flyersrule
Wed Aug 09, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

I'm consolidating my accounts at Fidelity and hold my bonds in taxable, so I'm trying to pick a muni fund. I've narrowed it down to the Fidelity Tax-Free Bond Fund (FTABX) or the Vanguard Tax-Exempt Bond ETF (VTEB). I am leaning toward the former for the longer duration (7.09 v. 5.8 years) and high...
by flyersrule
Wed Aug 09, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: MUB / Bonds
Replies: 12
Views: 731

Re: MUB / Bonds

FTABX might be an option
by flyersrule
Mon Aug 07, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3132

Re: Munis at Fidelity: FTABX or VTEB?

I'm consolidating my accounts at Fidelity and hold my bonds in taxable, so I'm trying to pick a muni fund. I've narrowed it down to the Fidelity Tax-Free Bond Fund (FTABX) or the Vanguard Tax-Exempt Bond ETF (VTEB). I am leaning toward the former for the longer duration (7.09 v. 5.8 years) and high...
by flyersrule
Fri Aug 04, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I wouldn't look at yield outside of the context of Total Return. Look at this chart, which shows the price (principal) of the three funds: FTABX, MUB, PTTAX over the past 5 years. Notice that PTTAX has gone down substantially when compared with FTABX and MUB. This does not take into account that PT...
by flyersrule
Mon Jul 31, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

It's after expenses. You can go to a fund's page on morningstar.com and compare that fund to any other over a certain date range. http://quotes.morningstar.com/chart/fund/chart?t=PTTAX®ion=usa&culture=en_US Did I calculate this correctly on Yearly Return Per100K investment? (I know I need to ded...
by flyersrule
Mon Jul 31, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

No, there's nothing that you can use to get a future 5-15 year anticipated look at bond funds. The reason as that a bond funds performance is based on Total Return . 30-day SEC yield gives you a good idea about what yields are today, but it doesn't tell you what your fund will get you in the future...
by flyersrule
Mon Jul 31, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

It's after expenses. You can go to a fund's page on morningstar.com and compare that fund to any other over a certain date range. http://quotes.morningstar.com/chart/fund/chart?t=PTTAX®ion=usa&culture=en_US Did I calculate this correctly on Yearly Return Per100K investment? (I know I need to ded...
by flyersrule
Sun Jul 30, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

It's after expenses. You can go to a fund's page on morningstar.com and compare that fund to any other over a certain date range. http://quotes.morningstar.com/chart/fund/chart?t=PTTAX®ion=usa&culture=en_US Is there a place I can plug in numbers for my Bond funds and get a future 5-15 year antic...
by flyersrule
Tue Jul 25, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Yes, it's possible that selling MUB could trigger capital gains. If interest rates have gone down, then the principal will have gone up. Most of the earnings from bond funds come from distributions, not a rise in principal. But it is a risk. You need to weigh it against the cost of paying $4.95 eve...
by flyersrule
Tue Jul 25, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I'm not sure it works that way. PTTAX should make more, because it's taking on more risk. That's why I was saying a more apples to apples comparison would be to compare PTTAX to 17% FSTVX/83% VTEB Got it. Earlier you mention I could funnel money into MUB then yearly move to VTEB. Will that kick off...
by flyersrule
Tue Jul 25, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I don't think you need both VTEB and FTABX. Either will provide broad exposure to the national municipal bond market. If you're planning on using VTEB, and making monthly contributions, you can make those contributions into MUB and then 1 or twice a year, move all of your holdings into MUB into VTE...
by flyersrule
Tue Jul 25, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

PA state taxes ill be applied to your national tax-exempt bond fund. Only PA issued bonds are exempt from PA state taxes. There won't be a neat break even point because you really aren't comparing apples to apples. PTTAX takes on more credit/default risk then VTEB and FTABX. If the economy does wel...
by flyersrule
Tue Jul 25, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

It's important to keep an eye on SEC yield, but that's not the only thing to look at. For instance, high-yield (junk) bonds can produce an SEC Yield over 4%, however, you can reasonably expect to see a loss of principal over time. You'll wind up with something that is more volatile, almost like a s...
by flyersrule
Tue Jul 25, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

The 30-day SEC yield is the best indicator of the current yield on a fund. That's currently 2.23% for FTABX. If interest rates stay the same, that's generally what you can expect to receive on a yearly basis. If interest rates go up, by 0.25, then two things will happen: 1. The SEC Yield will go up...
by flyersrule
Tue Jul 25, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Also how do I calculate return on bonds? Do I look To avg return or yields? In my tax bracket what would the following be. I'm in Pennsylvania so not sure state tax but am 28% federal. I see some show TTM and others 12 months. Do I calculate by deducting the ER then multiplying by tax bracket? For i...
by flyersrule
Mon Jul 24, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

That could be another reason to use municipal bonds then. If you feel more comfortable having access to the funds in an emergency, then your muni bonds can serve as an extra reserve to your emergency fund. How do muni's in taxable serve as a reserve and are you thinking the VTEB / FTABX combo. If I...
by flyersrule
Mon Jul 24, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Yes, but for option 1, you have to consider that adding cash will adjust your allocation, so you'll end up with something that looks like this: Taxable $150,581 - FSTVX $89,985 - FTIPX Roth $23,143 - FSITX 401k $89,000 - PTTAX 209,056 - BSPIX For Option 2, you'll need to add a lot of cash, so it wo...
by flyersrule
Mon Jul 24, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

OK, so what might be throwing me off is not knowing how much you are going to be moving from cash. It makes it hard to calculate 20% when the total is changing (20% of what?). How much total, are you contributing from cash? Just enough to bring your bond and international up to their desired level?...
by flyersrule
Mon Jul 24, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I see. So you need to pick up some International as well in order to maintain your asset allocation. Two questions: 1. What International options do you have in your 401k? 2. How recent was your FSTVX purchase in taxable? Are you showing a large capital gain? This might render the bond placement so...
by flyersrule
Mon Jul 24, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Where would the 73k be coming from? Do you have it sitting in cash right now? If you sell FSTVX or FTIPX to buy muni bonds, then you'd have to pay capital gains taxes on it. Probably wouldn't be worth it. I would be only selling FSTVX in my Roth and moving that to FSITX. $73K in Cash sitting on sid...
by flyersrule
Mon Jul 24, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Why are you moving into FSITX? (ETA: oh, to reset your AA?) I recently moved my stock allocation to 70% FSTVX, 10% FTIPX and 20% FSEVX. I also moved taxable FLTMX to FTABX. We have surprisingly similar looking accounts. Because I have room in my roth to move the funds from FSTVX to FSITX. Then the ...
by flyersrule
Mon Jul 24, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

If you feel it's easier to just go with PTTAX, that's probably fine. Going with a muni bond fund like FTABX or VTEB has some advantages as well. The SEC yield on VTEB is 1.92%, PTTAX has a yield of 2.13%. Before expenses, that would be 2.01% for VTEB, and 2.98% for PTTAX. They have to be taking add...
by flyersrule
Mon Jul 24, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Municipal Bonds and Municipal Bond funds, including FSTFX are generally tax exempt. However, some types of bonds, such as Private Activity bonds, are subject to AMT. FTABX includes funds that are exempt from federal income tax, including AMT. Fidelity's other municipal bond funds include funds that...
by flyersrule
Mon Jul 24, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Short vs. Intermediate vs. Long term bonds all take on progressively more interest rate (term) risk. If interest rates rise, your long term bonds will drop more in value than short term bonds. If interest rates drop, your long term bonds will raise more in value. In return for this higher volatilit...
by flyersrule
Mon Jul 24, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 46
Views: 2908

Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Can someone explain why someone would want short vs intermediate vs long term bonds in a taxable account? Basically my 401k only has a Bond Fund PTTAX with .86 ER. Because of this I have decided to just shift all 401k funds into the S&P Index fund (0.11) This means I need to pick up bonds in my Fide...
by flyersrule
Sat Jul 22, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 784

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

I think I might do all BSPIX in my 401k, move my whole IRA to FSITX and redeploy capitol to bonds in my Taxable to even it out to 20%. That means having about 80k of bonds in taxable.

What would be a good one to use from fidelity

Saw FTABX http://www.morningstar.com/funds/XNAS/FTABX/quote.html
by flyersrule
Thu Jul 20, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 784

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

CRAP....Strike my last post. I just realized I have PTTAX in my 401K not PTTRX. That changes everything as PTTAX has a ER of .086. Doesnt seem like I have any good Bond funds so I need to change my whole strategy now.