Search found 13 matches

by averageJoe576
Wed Aug 01, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 82447

Re: New Fidelity Fund 0.00 ER

More info will be available Aug 3. https://www.fidelity.com/why-fidelity/pricing-fees Would be curious if it makes sense to exchange out of current total US and total international with Fidelity for these. Will wait to see the holdings, etc. Also, wonder if this is limited (like premium) to over 10...
by averageJoe576
Wed Jul 25, 2018 11:20 am
Forum: Personal Investments
Topic: TD vs Vanguard for 3 Fund
Replies: 12
Views: 1554

Re: TD vs Vanguard for 3 Fund

Went TD awhile back since they had commission-free Vanguard ETFs and some niceties over Vanguard Brokerage, but since they switched to iShares products I have been neglecting to make a decision on whether to switch (brokers and/or funds). Been using up free trades and paying some fees to keep buyin...
by averageJoe576
Wed Jul 25, 2018 11:14 am
Forum: Personal Investments
Topic: TD vs Vanguard for 3 Fund
Replies: 12
Views: 1554

Re: TD vs Vanguard for 3 Fund

I don't suppose you could route the solo 401k contributions through a taxable? Yeah that's what is I did at TDA, but it still took multiple manual steps spread over a few days. Someone (either TDA or Vanguard cant remember) told me that the solo 401k makes so little profit that it can't offer even ...
by averageJoe576
Wed Jul 25, 2018 11:02 am
Forum: Personal Investments
Topic: TD vs Vanguard for 3 Fund
Replies: 12
Views: 1554

Re: TD vs Vanguard for 3 Fund

In my TD account, it's the SPDRs that are commission-free (not iShares), and they have very attractive ERs. Not sure why it'd be worth paying or transferring just to get Vanguard funds: Total Bond: SPAB, 0.04% Total US Market: SPTM, 0.03% Int'l (Developed): SPDW, 0.04% Int'l (Emerging): SPEM, 0.11%...
by averageJoe576
Tue Jul 24, 2018 2:53 pm
Forum: Personal Investments
Topic: TD vs Vanguard for 3 Fund
Replies: 12
Views: 1554

Re: TD vs Vanguard for 3 Fund

What type of Vanguard account exactly? I seem to remember asking explicitly about recurring ACH for solo 401k in the past and they said it was a no-go.
by averageJoe576
Tue Jul 24, 2018 2:00 pm
Forum: Personal Investments
Topic: TD vs Vanguard for 3 Fund
Replies: 12
Views: 1554

TD vs Vanguard for 3 Fund

Went TD awhile back since they had commission-free Vanguard ETFs and some niceties over Vanguard Brokerage, but since they switched to SPDR products I have been neglecting to make a decision on whether to switch (brokers and/or funds). Been using up free trades and paying some fees to keep buying Vg...
by averageJoe576
Wed Nov 15, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 33857

Re: Why pay cash for a car?

If you are acquiring a new car, you major cost is not loan interest, but depreciation. In stead of spending $20k on a new compact, consider spending $15 on a used $25-30k car that is 3-5yrs old and has a great durability record reliability record . Search on auto-trader over a wide area, find a low ...
by averageJoe576
Wed Oct 18, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 71325

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

John, in the same boat as you (solo 401k, multiple purchases per month) but not sure if I'm leaving TD yet. May I ask, why Fidelity? Is it their MFs (if they allow "premium" ones for solo 401k, unlike VG) or the better iShares section? The main reason for Fidelity. I was originally a Fidelity custo...
by averageJoe576
Wed Oct 18, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 71325

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

Yes I will be leaving. I’ll be taking my brokerage, 2 solo 401ks, and 2 Roth IRAs to Fidelity. I will leave my HSA there (my HSA custodian uses them for brokerage). I’ll will make one trade of BND per year and pay the commission. The overwhelming reason why I chose to do business with TDA was commi...
by averageJoe576
Tue Oct 17, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 71325

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

Recently became self-employed and about the same time leaned about index funds, really glad that I became "enlightened" early on in my career, my costs at my employer 401ks were attrocious. I went TD so I could do the solo 401k with vanguard funds. I like vanguard products a lot, due to the costs an...
by averageJoe576
Fri Jul 22, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: ETF.com ETF ratings
Replies: 10
Views: 1289

Re: ETF.com ETF ratings

I am increasingly of the belief that all ratings are purely for emotional appeal; a good rating on a investment makes you feel good about buying into it, and has minimal insight to a investments future performance. While it can be useful to know how closely a fund matches to a particular asset clas...
by averageJoe576
Fri Jul 22, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: ETF.com ETF ratings
Replies: 10
Views: 1289

Re: ETF.com ETF ratings

I would not use their ratings nor the site at all. I want products that fill a specific asset class. There are only limited number of asset classes that I want to invest in. This means I only need to know about 5 or 6 ETFs. Simple. What asset classes do you wish to invest in? Why? I am planning to ...
by averageJoe576
Thu Jul 21, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: ETF.com ETF ratings
Replies: 10
Views: 1289

ETF.com ETF ratings

Hey guys, Just getting into taking an active roll in my retirement and also doing some post-tax investing. I decided to go with ETFs. I have read various articles about ETFs in general and comparing specific ETFs, but the database at ETF.com seem like a really great resource, specifically for pickin...