Search found 11 matches

by savykal
Mon Mar 20, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. FUSVX capital gains distribution
Replies: 6
Views: 1112

Re: VFIAX vs. FUSVX capital gains distribution

Actually, ETF funds are OK in Fidelity but they cannot be set up for automatic investment. So it looks like for automatic investing
in SP500 in taxable account Vanguard is preferred despite the fact that the Fidelity FUSVX has slightly lower cost
by savykal
Sun Mar 19, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. FUSVX capital gains distribution
Replies: 6
Views: 1112

Re: VFIAX vs. FUSVX capital gains distribution

Thank you for your replay. I missed the no fee ETF funds -it is a good idea for Fidelity. So I am comparing the Vanguard VFIAX and IVV and FUSVX For example pretax 1 year return is is 24.91% for IVV and FUSVX and 24.94% for VIAX but after tax I tis 24.29 for IVV % and only 24.06% for VFIAX and even ...
by savykal
Sun Mar 19, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: VFIAX vs. FUSVX capital gains distribution
Replies: 6
Views: 1112

VFIAX vs. FUSVX capital gains distribution

I am doing the taxes this year. I own both index funds FUSVX (exp. ratio 0.045%) from Fidelity and VFIAX (exp. ratio. 0.05%) from Vanguard. They look identical. However, in 2016 it seems that FUSVX generated quite a bit of capital gains distribution (0.5%). VFIAX generated none. I see similar capita...
by savykal
Thu Nov 19, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cost of Vanguard VT ETF versus VTI+VEA+SCHE
Replies: 5
Views: 558

Re: Cost of Vanguard VT ETF versus VTI+VEA+SCHE

@DSInvestor.
Yes thanks. I hold also VXUS total international at 0.14% but it seems that holding VEA (or VTMGX) + SCHE would still be cheaper than VXUS for international exposure ?
Still beats me why would anyone invest in VT
by savykal
Thu Nov 19, 2015 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Cost of Vanguard VT ETF versus VTI+VEA+SCHE
Replies: 5
Views: 558

Cost of Vanguard VT ETF versus VTI+VEA+SCHE

I was looking on some simplification of my investments and the VT total world stock ETF But the cost of VT seems ot be high 0.17% per year It seems that one can just approximate VT by 56%*VT@0.05% cost + 8%*SCHE@0.14% cost + 34%* VEA@0.09% cost getting about 0.07% cost for approximately the same all...
by savykal
Sun Nov 15, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: 5/1 or 30 year or 15 year mortgage and use the difference to invest
Replies: 16
Views: 1870

Re: 5/1 or 30 year or 15 year mortgage and use the difference to invest

Thank you all. Seems like 30 year California tax free and AMT free bonds are about 3.5% right now These are free from any taxes. I remember that about 7 years ago these were 5% and mortgage rates were 5% too So why would anyone want to pay off the mortgage (in retirement or not if) if the mortgage r...
by savykal
Sat Nov 14, 2015 12:43 am
Forum: Personal Finance (Not Investing)
Topic: 5/1 or 30 year or 15 year mortgage and use the difference to invest
Replies: 16
Views: 1870

Re: 5/1 or 30 year or 15 year mortgage and use the difference to invest

thank you @grabiner. I am in CA so the marginal rate is actually over 50% but the effective mortgage deduction is more like 45% due to phase outs So yes even with 3.5% rate it will be probably easy win with investment over mortgage payoff (in long run) it seems that there is just no point in paying ...
by savykal
Fri Nov 13, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: 5/1 or 30 year or 15 year mortgage and use the difference to invest
Replies: 16
Views: 1870

Re: 5/1 or 30 year or 15 year mortgage and use the difference to invest

@davidlukewilcox. This is a good article but I am leaning more towards 5/1 which is even lower than 15 year interest rate now (mind you marginally) so I will win 20k or so over 5 years as compared to 30 year but will have about 150k more in investable assets in year 5 of the mortgage as compared to ...
by savykal
Fri Nov 13, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: 5/1 or 30 year or 15 year mortgage and use the difference to invest
Replies: 16
Views: 1870

Re: 5/1 or 30 year or 15 year mortgage and use the difference to invest

@ cherijoh Thank you Current term is 2.75% 5/5 3 years into 5 year term, max cap 7.75% payment about 3280$ over last 10 years or so I saved a lot of money on 5/1 or 5/5 mortgages and and refinanced about 4 times I think i do not want to pay the mortgage off, even in retirement just keep extending it...
by savykal
Fri Nov 13, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 5/1 or 30 year or 15 year mortgage and use the difference to invest
Replies: 16
Views: 1870

5/1 or 30 year or 15 year mortgage and use the difference to invest

Debating refinance on 1.7 mln house with 750k mortgage. My and spouse age is 50 3.5% 30 year or 5/1 2.5% (max 7.5% , max 2 % per year increase after 5 years). 15 year is 2.75% but it forces repayment Have enough cushion to pay off anytime the only reason is to free up more money for investing. 5/1 c...