Search found 9 matches

by cck
Sun Sep 15, 2019 3:22 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1230

Re: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

Thanks for all the help and responses! I might've been overthinking the Roth vs. pre-tax question for US vs. international equities. I'll move forward with using VTIAX in my Vanguard taxable account and FTIHX where I have room in my tax-advantaged accounts (luckily, FTIHX is also an option in my 401...
by cck
Sat Sep 14, 2019 7:22 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1230

Re: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

Between total US and total international stock funds, is there a better one to keep in Roth? I'm at a 100% stock allocation, so I don't have any bond funds competing for space in any tax-advantaged accounts. International stocks are eligible for the foreign tax credit if held in taxable. You lose t...
by cck
Sat Sep 14, 2019 6:58 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1230

Re: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

Thanks for all the input! I have a personal preference for mutual funds, and my Fidelity taxable account is actually kind of like an old remnant that doesn't have anything in it anymore, though it does still exist in case I ever want to invest in any commission free Fidelity funds in taxable again. ...
by cck
Sat Sep 14, 2019 5:51 pm
Forum: Personal Investments
Topic: International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?
Replies: 13
Views: 1230

International Fund Questions – Roth vs. Pre-Tax, FTIHX vs. VTIAX?

Assuming there are identical fund offerings in each account, is it better to hold international stock funds in a pre-tax IRA or a Roth IRA? I have both from Fidelity and was thus looking into adding the Fidelity Total International Index Fund (FTIHX) to one of my IRAs. I’m planning on putting some i...
by cck
Tue Jun 18, 2019 10:00 pm
Forum: Personal Investments
Topic: Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX
Replies: 6
Views: 553

Re: Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX

Your idea is very sound, except that you do not want to be out of the market for several days. Do you have an account at Vanguard already? Can you rustle up/borrow $9k from somewhere? Or, do you have $9k in bond funds in 401k plan that you can temporarily switch to equities while the transfer plays...
by cck
Tue Jun 18, 2019 8:57 pm
Forum: Personal Investments
Topic: Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX
Replies: 6
Views: 553

Re: Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX

UpperNwGuy wrote: Tue Jun 18, 2019 8:54 pm Why not keep your taxable account at Fidelity and sell your FSKAX and buy ITOT?
Just a preference for mutual funds. I used to use ETFs but I prefer the convenience of mutual funds with automatic reinvestment.
by cck
Tue Jun 18, 2019 8:48 pm
Forum: Personal Investments
Topic: Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX
Replies: 6
Views: 553

Incurring small amount of short-term capital gain to switch from FSKAX to VTSAX

Hello! Very young and new investor here, so I might be worrying about minutia, but I thought I'd ask. Last year was my first year investing in my taxable account after maxing out my tax-advantaged accounts. Since I already had my other accounts with Fidelity, I opened my taxable account with them an...
by cck
Tue Jan 29, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA paycheck and employer contribution limits (part-year eligibility)
Replies: 1
Views: 210

HSA paycheck and employer contribution limits (part-year eligibility)

I left my previous employer pretty recently and had an HDHP and an HSA account with them. My new employer does not offer high-deductible plans, therefore making me ineligible to further contribute to an HSA. However, I already had two paycheck deductions this year from my previous employer into my H...
by cck
Tue Sep 18, 2018 7:49 pm
Forum: Personal Investments
Topic: ESPP with exorbitant commission/transfer fees - Worth it?
Replies: 3
Views: 347

ESPP with exorbitant commission/transfer fees - Worth it?

I was excited to find that my new company offers an ESPP, but now learning of the exorbitant fees associated with it, I need some help deciding if I should pursue it. I originally was hoping to turn around and sell shares immediately to minimize the risk. Details: I'll be able to contribute about $5...