Search found 21 matches

by Mikano
Mon Jan 18, 2021 10:10 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

Sure, still unable to assess what is your flavor of your asset allocation. Being on the trending industries such as semiconductor on one end and being on Fidelity Freedom® Index 2035 Fund on the other end. Do you want to be more passive investor investing in fund of funds or be your own indexer wit...
by Mikano
Mon Jan 18, 2021 9:44 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

My other half portfolio will hold for ever I've own these for years. I am a favorite of Index low expense funds long term. (FIHFX) Freedom Index 2035 (FXAIX) Fidelity 500 Index (FSMAX) Fidelity Extended Index (FTIHX) Fidelity Total Intl Index (FPURX) Fidelity Puritan Can be simplified as : (FSKAX) ...
by Mikano
Mon Jan 18, 2021 9:40 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

Have a plan on how your portfolio want to look like with the various asset classes such as Total US index Total International Index Total Bond Index Then to spice up, what are the tilts you prefer Small Value Technology ARK Funds Semiconductor Healthcare Medical Devices Consumer Discretionary ETC.....
by Mikano
Mon Jan 18, 2021 9:32 am
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 12
Views: 1487

Re: Fidelity HSA

KingRiggs wrote: Mon Jan 18, 2021 8:08 am Did you ever figure out whether your insurance plan is actually an HSA?
I haven't even looked yet.
by Mikano
Mon Jan 18, 2021 9:01 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Roth Ira Technology funds

Hi , My funds as of now That I'm looking to break up since its over weighted. Technology All funds with Fidelity (FWRLX) Select wireless portfolio brought at first year opened. (FBGRX) Blue chip growth held on to for years (FSELX) Semiconductors portfolio picked up last April (FSPGX) Large cap growt...
by Mikano
Mon Jan 18, 2021 8:07 am
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 12
Views: 1487

Re: Fidelity HSA

I find it complicated a little. All I know is that I pay a co-pay and my job covers the rest. I haven't paid any medical bills in years if not at all. If you have a plan with a "co-pay" on all your medical expenses, it is probably not a qualifying HDHP. An HDHP is not allowed to pay for a...
by Mikano
Wed Jan 13, 2021 10:36 am
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 12
Views: 1487

Re: Fidelity HSA

I find it complicated a little. All I know is that I pay a co-pay and my job covers the rest. I haven't paid any medical bills in years if not at all. If you have a plan with a "co-pay" on all your medical expenses, it is probably not a qualifying HDHP. An HDHP is not allowed to pay for a...
by Mikano
Mon Jan 11, 2021 2:10 pm
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 12
Views: 1487

Re: Fidelity HSA

If you have HDHP, yes you can, I did that last year as missed open window to do it through employer last year. So did after tax contribution. But benefit of doing pretax aka through your paycheck and through employer is that you can save on payroll taxes, as in after tax you still pay for it. Also ...
by Mikano
Mon Jan 11, 2021 1:48 pm
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 12
Views: 1487

Fidelity HSA

Hi All, I been looking into opening an HSA account with Fidelity. I'm working and I do have medical coverage through my job. I pay a portion of the medical insurance that is being withdrawn from my paycheck weekly which my job covers. My question is, can I still open an HSA and contribute for the ne...
by Mikano
Thu Oct 22, 2020 8:33 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after t...
by Mikano
Wed Oct 21, 2020 1:01 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Welcome to the forum! We would definitely recommend making this switch, Jack Bogle used to say: "you get what you don't pay for". There is no reason to wait for the dividend, you will get equivalent proportions of the dividend from the old fund and the new fund values respectively if you ...
by Mikano
Wed Oct 21, 2020 12:58 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after t...
by Mikano
Wed Oct 21, 2020 12:57 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after t...
by Mikano
Wed Oct 21, 2020 10:09 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Welcome to Bogleheads! You can compare the two funds here: https://fundresearch.fidelity.com/fund-screener/results/compare/snapshot/averageAnnualReturnsYear3/desc/1?order=tickers&tickers=FFTHX%2CFIHFX It appears that a switch would likely be a wise move. You can lower your fees even more by &qu...
by Mikano
Wed Oct 21, 2020 10:08 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Welcome to the forum! We would definitely recommend making this switch, Jack Bogle used to say: "you get what you don't pay for". There is no reason to wait for the dividend, you will get equivalent proportions of the dividend from the old fund and the new fund values respectively if you ...
by Mikano
Mon Oct 19, 2020 12:42 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: Fidelity Freedom Fund Question

ruralavalon wrote: Sat Oct 17, 2020 1:29 pm I prefer a good low cost index fund over a good actively managed fund. Performance is temporary, expenses are forever.
Thank you
by Mikano
Mon Oct 19, 2020 12:41 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: Fidelity Freedom Fund Question

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after t...
by Mikano
Sat Oct 17, 2020 7:51 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

The primary question is "do you want bonds in your Roth IRA?" A Target fund steadily increases bonds. Placement might dictate that your Roth (Roths) have all stock index funds. Last to be used, no RMD, tax free growth. Our Roth accounts are 100% VTSAX. Set it and forget it. Bond are in 40...
by Mikano
Fri Oct 16, 2020 12:40 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Welcome to the forum! We would definitely recommend making this switch, Jack Bogle used to say: "you get what you don't pay for". There is no reason to wait for the dividend, you will get equivalent proportions of the dividend from the old fund and the new fund values respectively if you ...
by Mikano
Fri Oct 16, 2020 12:38 pm
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Re: New Member here quick question

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after t...
by Mikano
Fri Oct 16, 2020 11:46 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1687

Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]

Hi all new to the Boglehead, I been invested in my Roth Ira since 1997. My quest is I'm invested in the Fidelity freedom fund 2035 and the expense ratio is .072. I wanted to know if its a good idea to transfer all cash and gains from this Freedom fund to a Freedom 2035 Index Fund in January after th...