Search found 68 matches

by ulladulla28
Thu Oct 08, 2020 7:23 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 150
Views: 13473

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

Sorry if this has been asked here already, but can anyone tell me if you are able to monitor investment accounts held outside of Etrade through their website by direct linking?
by ulladulla28
Tue Apr 21, 2020 10:12 am
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 150
Views: 13473

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

Another option for looking at Brick & Mortar Bank plus brokerage/retirement accounts is Chase. Their YouInvest platform allows you to hold most every Vanguard Mutual Fund as NTF. The Sapphire Checking gives you virtually fee-free banking with fees waived on wires, atm's, checks, stop pays, etc... We...
by ulladulla28
Sun Jan 19, 2020 10:03 am
Forum: Personal Investments
Topic: Merrill Edge My Financial Picture
Replies: 8
Views: 1042

Re: Merrill Edge My Financial Picture

Yeah, Fidelity is definitely the lead horse, but for whatever reason I prefer having a physical bank. Also, their full view leaves a little to be desired.
by ulladulla28
Sun Jan 19, 2020 9:28 am
Forum: Personal Investments
Topic: Merrill Edge My Financial Picture
Replies: 8
Views: 1042

Re: Merrill Edge My Financial Picture

Thanks for the info. I really want to find a bank/ brokerage combo that offers vanguard mutual funds without a fee, the ability to link outside investment and spending accounts, and the ability to aggregate spending and investment activity from outside accounts! Was hoping Chase would be that horse,...
by ulladulla28
Sat Jan 18, 2020 3:28 pm
Forum: Personal Investments
Topic: Merrill Edge My Financial Picture
Replies: 8
Views: 1042

Merrill Edge My Financial Picture

Does anyone have significant experience with the Merrill Edge aggregator "My Financial Picture?" I am curious if it will link outside accounts, and if so, how does it compare on budgeting features, tracking spending, and portfolio analysis. Basically, how does it stack up against Fidelity Full View ...
by ulladulla28
Mon Jan 06, 2020 5:20 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I noticed that you can now link outside accounts to Chase Banking Platform. The only information available is balance information and transaction data. It does not seem to integrate with other chase account data to display reports on spending, asset allocation, or personal performance. I really wish...
by ulladulla28
Mon Jan 06, 2020 5:20 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I noticed that you can now link outside accounts to Chase Banking Platform. The only information available is balance information and transaction data. It does not seem to integrate with other chase account data to display reports on spending, asset allocation, or personal performance. I really wish...
by ulladulla28
Tue Dec 17, 2019 10:37 pm
Forum: Personal Investments
Topic: Vanguard Healthcare (VGHCX) Big loss today
Replies: 15
Views: 1570

Re: Vanguard Healthcare (VGHCX) Big loss today

Interesting. Good thing its in my Roth with automatic reinvesting. Thanks for the heads up!
by ulladulla28
Tue Dec 17, 2019 10:30 pm
Forum: Personal Investments
Topic: Vanguard Healthcare (VGHCX) Big loss today
Replies: 15
Views: 1570

Vanguard Healthcare (VGHCX) Big loss today

Anyone know what took VGHCX down 7.32% in one day? Most of its largest holdings had a flat or slightly positive day. Just seems a little weird...
by ulladulla28
Tue Dec 17, 2019 9:12 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

On another note, I see that Chase finally added a way to link external accounts. However, all it does is display balances and transactions. There is no way to aggregate the data with your chase accounts, and still no way to track personal performance of your investments - this is a really big gripe ...
by ulladulla28
Tue Dec 17, 2019 9:10 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I have been going back and forth with Chase both via secure messages and on the Phone regarding mutual fund cost basis for a while. Their reps' lack of knowledge in this regard is astonishing. One phone rep was able to repeat to me me all four tax lots that I supplied online, so they clearly had th...
by ulladulla28
Tue Dec 03, 2019 7:47 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Yes, you can trade Vanguard mutual funds in YouInvest. It is quite convenient for keeping funds in VMMXX or other money market funds to maintain emergency fund in Chase with high yield. There is a problem of cost basis in YouInvest. They only offer average cost basis for mutual funds not SpecID, so...
by ulladulla28
Mon Dec 02, 2019 4:37 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Sorry, if this was already answered. I have searched the forum and couldn’t find it. I have opened Chase Sapphire checking ($1000 promotion) and funded. I also opened Chase You Invest account. If I move the funds from Sapphire checking to You Invest, does the promotion is still going to be valid? I...
by ulladulla28
Thu Nov 21, 2019 11:58 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Has anyone heard anything more about "coming soon" improvements to the Chase YouInvest online interface? I read earlier this year that there was to be a personal performance tracker added along with the ability to link and track outside investments by August, and then I read the same story in August...
by ulladulla28
Tue Aug 13, 2019 8:12 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I understand Chase You Invest only allows you to use FIFO for mutual funds. What about for ETFs? Will they let me select a specific lot when I sell them, even on the shares that were transferred in from another brokerage? I currently have a taxable account with Merrill Edge. I only have ETFs (no mu...
by ulladulla28
Fri Aug 02, 2019 9:31 pm
Forum: Personal Investments
Topic: Chase You Invest for Taxable Account
Replies: 31
Views: 5084

Re: Chase You Invest for Taxable Account

Just posted this in another thread as well, but FYI, no matter what your cost basis selection - you will not be able to sell specific lots of mutual fund shares on you invest. Per Chase: " Unfortunately, you are not able to select tax lots when selling a Mutual Fund. Sell orders for Mutual Funds are...
by ulladulla28
Fri Aug 02, 2019 9:20 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

So finally found out today that Chase only allows for First in First Out (FIFO) Sales of mutual fund positions, Even in Taxable accounts...
by ulladulla28
Sat Jul 27, 2019 5:28 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I just received this response from Chase RE Cost basis....it seems like you will not be able to select your specific lot for sale when selling equities or mutual funds.. I was hoping Chase would work out, but this is a bit much to deal with....Guess I'll be on my way to Fidelity... Please be advised...
by ulladulla28
Thu Jul 25, 2019 1:29 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

So far YouInvest seems great, but with a couple of fairly noticeable and big hiccups... 1. Cost Basis - I am still not seeing specific tax lots for mutual funds in my taxable brokerage. Interestingly, for three ETF positions I transferred in, they elected "average cost" somehow, certainly not at my...
by ulladulla28
Thu Jul 25, 2019 10:36 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

So far YouInvest seems great, but with a couple of fairly noticeable and big hiccups... 1. Cost Basis - I am still not seeing specific tax lots for mutual funds in my taxable brokerage. I have contacted them and received the following response: "After reviewing your account, it seems there might be ...
by ulladulla28
Thu Jul 18, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Selling Older Devices (SmartPhones) online
Replies: 13
Views: 1350

Re: Selling Older Devices (SmartPhones) online

If you are good with foregoing the proceeds of sale, look into Cell Phones for Soldiers. You can donate your old phones, ipads, etc... and they wipe all devices in accordance with Department of Defense guidelines.

https://www.cellphonesforsoldiers.com/
by ulladulla28
Tue Jun 11, 2019 11:47 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Does anyone know whether money put into a vanguard money market within a Chase You Invest account will count towards the $75,000 requirement to earn the sapphire checking bonus?
by ulladulla28
Fri Jun 07, 2019 9:33 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 18377

Insights from Vanguard

Speaking of new tech/IT, I just noticed this and I am sure I'm late to the party, but.... VG's new custom report tool link on the statement page is excellent!
by ulladulla28
Fri Jun 07, 2019 9:11 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

I sent a secure message to Chase You Invest about tax lots SpecID and they said: The default method for reporting cost basis is average. We are able to change the cost reporting method from average cost to original cost. Unfortunately, the change will only apply to shares that are purchased after t...
by ulladulla28
Wed Jun 05, 2019 5:17 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Forgive me if this has been asked and answered, but what are the sweep options at YOUINVEST? Are there any CORE FDIC-insured positions similar to Fidelity? Anyone know if assets transferred to Youinvest via IRA count towards the sapphire checking $75K minimum? Or if they have fixed their ability to...
by ulladulla28
Mon Jun 03, 2019 4:02 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 219
Views: 37812

Re: You Invest by JP Morgan Chase

Forgive me if this has been asked and answered, but what are the sweep options at YOUINVEST? Are there any CORE FDIC-insured positions similar to Fidelity? Anyone know if assets transferred to Youinvest via IRA count towards the sapphire checking $75K minimum? Or if they have fixed their ability to ...
by ulladulla28
Sun Jun 02, 2019 6:38 am
Forum: Personal Investments
Topic: Help w/ Bank of America HSA Investment Choices
Replies: 14
Views: 1739

Re: Help w/ Bank of America HSA Investment Choices

Also, Does BOA/Merrill Edge have an account aggregator similar to Fidelity's Full View?
by ulladulla28
Sun Jun 02, 2019 6:18 am
Forum: Personal Investments
Topic: Help w/ Bank of America HSA Investment Choices
Replies: 14
Views: 1739

Re: Help w/ Bank of America HSA Investment Choices

dodecahedron, Thanks for all the insight. I really appreciate it. The only hang-up for me at this point is the lack of a good core sweep option. I am looking to consolidate as many things as we can, but may just have to leave the high yield online savings as is. It is 2% FDIC insured at CO360. It lo...
by ulladulla28
Sat Jun 01, 2019 8:24 am
Forum: Personal Investments
Topic: Help w/ Bank of America HSA Investment Choices
Replies: 14
Views: 1739

Re: Help w/ Bank of America HSA Investment Choices

Note: in case this matters, I have a BoA HSA which I arranged independently (i.e., it is not an employer HSA.) It also gives me much better investment options than the OP listed above. I do not know if employer-plan HSAs at BoA would be as good as what I have. Thanks! DO you know if you can hold st...
by ulladulla28
Sat Jun 01, 2019 8:13 am
Forum: Personal Investments
Topic: Help w/ Bank of America HSA Investment Choices
Replies: 14
Views: 1739

Re: Help w/ Bank of America HSA Investment Choices

A bit off topic, but can anyone with a BOA HSA tell me:


3. Is the monthly maintenance fee waived with preferred platinum status?

Thanks!

EDITED.... FOUND THE ANSWERS to #1,2, &4...
by ulladulla28
Tue May 21, 2019 7:01 pm
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3485

Re: Consolidating to Fidelity

Thanks to all for the advice here. Going to chew on it for a bit and make a decision. I like all of the benefits of Fidelity, but I do hate to leave Vanguard. Especially the Healthcare and Real Estate Index Funds!
by ulladulla28
Tue May 21, 2019 7:00 pm
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3485

Re: Consolidating to Fidelity

I'm curious what time you're spending managing and what exactly you're doing. I've got at least a dozen active credit cards, 10 or so accounts at 3 different brokerages and several online bank accounts and a credit union. All my bills that are possible are auto pay from my credit union checking acc...
by ulladulla28
Tue May 21, 2019 9:40 am
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3485

Consolidating to Fidelity

Hi all, Looking for some advice and insight from anyone who has moved and/or consolidated accounts to Fidelity. I am spending way too much time on managing our finances each month and really looking for a way to simplify. Currently we bank with Wells, have online savings with capital one, retirement...
by ulladulla28
Thu Feb 07, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Lively HSA
Replies: 15
Views: 5415

Re: Fidelity vs. Lively HSA

I bit the bullet on moving from Lively to Fidelity, just due to preferring the NTF investment options at Fidelity over TDA. We have always paid medical expenses on credit cards to collect the points and then reimbursed ourselves from Lively. It was a fairly easy process on Lively, but it looks like ...
by ulladulla28
Tue Jan 15, 2019 4:04 pm
Forum: Personal Investments
Topic: UTMA account - VTSMX vs. FZROX
Replies: 8
Views: 900

Re: UTMA account - VTSMX vs. FZROX

We are considering a UTMA account for kids. Within Vanguard UTMA accounts, are you permitted to purchase stocks or only mutual funds/etfs...
by ulladulla28
Tue Jan 15, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1676
Views: 242311

Re: Fidelity as a one stop shop

Does Vanguard offer this sort of "cash management" account with bill pay and checkwriting? Or does it have a hefty balance requirement?


Thanks,
by ulladulla28
Sat Dec 29, 2018 7:48 am
Forum: Personal Investments
Topic: Financial Checkup
Replies: 10
Views: 1705

Re: Financial Checkup

I have been incognito for a bit, but just catching up on this... it looks like per IRS Pub 969 you can use HSA funds for premiums only in certain situations. I have often thought about a plan for paying health insurance premiums in early retirement and would love if the HSA could be expanded to pay ...
by ulladulla28
Sat Dec 29, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66288

Re: Lively HSA offers first dollar investing

Anyone have any experience with regular recurring trustee transfers to Fidelity from other HSA providers? I am with Lively, but my employer has another HSA provider with fees and minimums creating a cash drag so I complete regular transfers to Lively. As much as I appreciate Lively and what they are...
by ulladulla28
Wed Aug 08, 2018 7:00 am
Forum: Personal Investments
Topic: Financial Checkup
Replies: 10
Views: 1705

Re: Financial Checkup

2. This is the first year I have been eligible for an HSA. I was keeping the investments at “my age in bonds” for no real reason. I plan to use this as a medical 401k. If I retire early or transition to consulting, I will use it to pay health insurance premiums. That would be 20+ years. Recommendati...
by ulladulla28
Tue Apr 10, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66288

Re: New HSA provider Lively offers investments for $30/yr fee

I do not not have a $2.50/month fee at Fifth-Third, just $2/month + 20 bp if I want to invest. Since I'm not investing with 5th/3rd any more, I don't have any fees, just the cash drag on whatever cash I accumulate between transfers. And since they don't charge (me) for transfers, I'm transferring $...
by ulladulla28
Sat Apr 07, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66288

Re: New HSA provider Lively offers investments for $30/yr fee

Thanks for all the input! Yes, I also do not like the cash drag on Fifth Third of $2,000 minimum in order to invest. Also, it looks like they charge the regular $2.50 fee plus another $2/month to use investment, plus another 20 basis points on your investment. They do offer some low cost index funds...
by ulladulla28
Sat Apr 07, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66288

Re: New HSA provider Lively offers investments for $30/yr fee

Just digging into some research about Lively and have a question for anyone who is a current Lively HSA user. I am thinking of doing an annual rollover from my employer sponsored fifth third hsa. 53rd charges $25 for transfers, but as I understand you can do a manual rollover for free. I am not a hu...
by ulladulla28
Mon Feb 05, 2018 9:51 pm
Forum: Personal Investments
Topic: Would this be a bad idea?
Replies: 4
Views: 688

Re: Would this be a bad idea?

Thanks for the refresher. Really, appreciate all the insight you offer here.
by ulladulla28
Mon Feb 05, 2018 10:06 am
Forum: Personal Investments
Topic: Would this be a bad idea?
Replies: 4
Views: 688

Would this be a bad idea?

I am a good 25+ years away from retirement, and indexer with an 80/20 allocation and for the most part, I follow the Boglehead indexer approach. In the Fall of 2017 my employer changed 401k administrators and I rolled my balance at the time to IRA's at Vanguard. The Roth portion went to my Roth IRA ...
by ulladulla28
Fri Aug 04, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Time Horizon Impact on Bond Selection
Replies: 10
Views: 1436

Time Horizon Impact on Bond Selection

How Much Does an investor's Time horizon impact Short vs Intermediate vs Long Term Bond Debate? I keep seeing/reading fanfare for Intermediate bonds, and my bond allocation is currently 100% in VBILX (Vanguard Intermediate Bond Index). However, I have a 27 year time horizon. When I run that horizon ...
by ulladulla28
Fri Jun 16, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 16170

Re: Vanguard's new "account overview" page... BOO!

. Ulladulla28, Although we are both now have the new account overview page, for a considerable time I was converted and my wife was not, so you are likely to be converted some time later. ---- I still do not understand the purpose of the "giant font everywhere" on the account overview page as menti...
by ulladulla28
Tue Jun 13, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 16170

Re: Vanguard's new "account overview" page... BOO!

Does anyone still have the 'old' account overview page? My wife's login has gone to the new look, but mine is still old.

I swear mine had been changed to the new look when I logged in a couple weeks ago, and then reverted back to old upon the next login.

Just curious.
by ulladulla28
Tue May 23, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 6058

Re: % Roth vs. % traditional

amd7239 wrote: ulladulla28 wrote: My employer has a roth 401k option and for the longest time I was 100% roth. After some reading and education by way of the Boglehead site, I realized that being in the 28% bracket now, I would be better off with going the traditional route. A plus is that if you a...
by ulladulla28
Mon May 22, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 6058

Re: % Roth vs. % traditional

My employer has a roth 401k option and for the longest time I was 100% roth. After some reading and education by way of the Boglehead site, I realized that being in the 28% bracket now, I would be better off with going the traditional route. A plus is that if you are not already maxing out your ROTH...
by ulladulla28
Thu May 18, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: Different Asset Allocation for Taxable
Replies: 7
Views: 1537

Re: Different Asset Allocation for Taxable

Thanks for the input! It seems like there is some merit to keeping taxable a little more conservative for an earlier retirement. I'm very comfortable with taxable account being 100% equities during early retirement because that is extremely tax-efficient what with tax-loss harvesting, qualified divi...