Search found 57 matches

by frugalor
Thu Jan 28, 2021 11:22 pm
Forum: Personal Investments
Topic: I just sold and went to cash - how long? [for my HSA to transfer to Fidelity]
Replies: 14
Views: 1633

Re: I just sold and went to cash - how long? [for my HSA to transfer to Fidelity]

I started my Health Equity to Fidelity transfer on 11/25, the money showed up in Fidelity on 12/18.

I moved my investment to cash prematurely.

In retrospective, I should have just initiated the transfer first, and only move investment to cash at the last moment.
by frugalor
Mon Jan 04, 2021 3:26 pm
Forum: Personal Investments
Topic: Effective date on 401k contributions
Replies: 6
Views: 662

Re: Effective date on 401k contributions

I just changed job. At my old job, the post date was always the same date of the paycheck date. At the new job, I was surprised that no contribution has been done yet for my 12/31 paycheck. And then I found this old thread. Fidelity says they have up to the 15th to post. That's inline with what I le...
by frugalor
Wed Dec 30, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Converting from VFIAX to VOO and cost basis questions
Replies: 5
Views: 648

Re: Converting from VFIAX to VOO and cost basis questions

as a test run, i have converted VIGAX to VUG. I called in Monday and I can see VUG in my account now (Wednesday). And when I sell, I can see all the individual lots (I choose specID for cost basis). I can sell 1 share, and pick all the partial shares among my lots. Things seem to be working well. I ...
by frugalor
Fri Dec 25, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Short term loss carryover + current year long term gain case
Replies: 1
Views: 167

Short term loss carryover + current year long term gain case

I have $10K short term loss carryover on last year's tax return. I have $10K in long term capital gains this year. I don't have any short term gains (or losses). When I do my taxes using Turbotax, will it just wipe out my short term loss? And I end up net zero? Or will it at least let me deduct $3K ...
by frugalor
Thu Dec 24, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Converting from VFIAX to VOO and cost basis questions
Replies: 5
Views: 648

Converting from VFIAX to VOO and cost basis questions

I was wondering if anyone here has done a conversion from Vanguard 500 Index Fund Admiral Shares (VFIAX) to Vanguard S&P 500 ETF (VOO). As of the close of today 12/23, VFIAX is $341.62 (up 0.36%), VOO is $339.16 (up 0.40%). First of all, if they were equivalent, why would the price movements be ...
by frugalor
Mon Dec 21, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Understanding Cost basis and selling shares
Replies: 16
Views: 866

Re: Understanding Cost basis and selling shares

There are two parts in this for tax planning: Cost basis method, and Disposition Method. In Vanguard, there is no mentioning of Disposition Method. The Reps don't seem to understand. All they said was if I needed to sell my earliest first, then I needed to choose either FIFO or SpecID. Over at Fidel...
by frugalor
Mon Dec 21, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: Understanding Cost basis and selling shares
Replies: 16
Views: 866

Re: Understanding Cost basis and selling shares

I just looked over at Fidelity side. They have something called "Default Disposal Method" which is set to FIFO. This exactly what I wanted to find out on Vanguard.

This is another area Fidelity is beating Vanguard.
by frugalor
Mon Dec 21, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Understanding Cost basis and selling shares
Replies: 16
Views: 866

Re: Understanding Cost basis and selling shares

I just changed my cost basis method to SpecID. Seems to be the best way to rule out any ambiguities. Thanks folks.
by frugalor
Mon Dec 21, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: Understanding Cost basis and selling shares
Replies: 16
Views: 866

Re: Understanding Cost basis and selling shares

I am sure the first 100 shares is purchased more than 1 year ago. So it looks like with the average cost method, they won't be able to sell my first 100 shares. Is that right? With average basis, the shares disposed of are those considered to be those acquired first. If you are sell 100 shares and ...
by frugalor
Mon Dec 21, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: Understanding Cost basis and selling shares
Replies: 16
Views: 866

Understanding Cost basis and selling shares

I have Vanguard 500 Index fund in my taxable account. There are some long term and short term unrealized gains. The current cost basis method is average cost. I just talked to Vanguard over the phone. They said if I sell a portion of my shares, say 100 shares, they will average out the shares I sell...
by frugalor
Wed Dec 16, 2020 9:19 pm
Forum: Personal Investments
Topic: How do you track your investments?
Replies: 98
Views: 7179

Re: How do you track your investments?

Hi, I was wondering how people are tracking investments amongst different accounts? I am using some spreadsheets I found from some bloggers (White coat investor and passive MD) as well as the vanguard feature that allows you to update outside investments including them in your Portfolio Watch analy...
by frugalor
Sun Dec 13, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: SWE jobs career advice
Replies: 62
Views: 4183

Re: SWE jobs career advice

For big tech, they interview at all levels. They will pay for whatever level based on your interview performance. And they are always in need for higher level developers.
by frugalor
Sun Dec 13, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: SWE jobs career advice
Replies: 62
Views: 4183

Re: SWE jobs career advice

I agree that are actually a lot of hiring going on at FAANG now. I am 45. As an older engineer, it's hard to compete with especially very talented young H1B holders who will work 24/7 so not to get deported. If you are unlucky to get one that constantly challenges you so to make them look good, it c...
by frugalor
Sun Dec 13, 2020 1:26 am
Forum: Personal Finance (Not Investing)
Topic: SWE jobs career advice
Replies: 62
Views: 4183

Re: SWE jobs career advice

You should ask these questions at teamblind. But that's the reality of software engineering interviews. You have to leetcode everyday for a few months before you can pass some interviews. (for me at least) But a lot of it is luck too. It depends on who asked you the questions, what questions they as...
by frugalor
Sat Dec 05, 2020 9:15 pm
Forum: Personal Investments
Topic: How to invest half million?
Replies: 37
Views: 4764

Re: How to invest half million?

I was also a very conservative person and holding to a lot of cash before. Now I am very cash adverse. I don't feel comfortable when I have cash at hand. Fidelity is great. I think if you just put your money into your core position, you will get 0.6%. The most popular advice in this board is that yo...
by frugalor
Sat Dec 05, 2020 8:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone able to participate airbnb ipo at Fidelity?
Replies: 32
Views: 4304

Re: Anyone able to participate airbnb ipo at Fidelity?

Yeah. I am very interested in finding out. Do we have anyone in this group with a fidelity account with 500K+ assets?
by frugalor
Sat Dec 05, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: Anyone able to participate airbnb ipo at Fidelity?
Replies: 32
Views: 4304

Re: Anyone able to participate airbnb ipo at Fidelity?

They also mentioned the requirement might be higher for certain stocks. Just curious anyone here actually got to participate because of 500K+ account holdings. If so, I might start moving my other assets into Fidelity.
by frugalor
Sat Dec 05, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone able to participate airbnb ipo at Fidelity?
Replies: 32
Views: 4304

Anyone able to participate airbnb ipo at Fidelity?

I have about 300K at Fidelity. I called them and they said I need to have 500K before I could participate in airbnb IPO. Is that right? Anyone able to participate with assets more than 500K at Fidelity?
by frugalor
Fri Dec 04, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: What happened to Fido funds today?
Replies: 114
Views: 5949

Fidelity Zero fee total market fund is down on a big up day?

[Thread merged into here, see below (Page 2). --admin LadyGeek]

https://finance.yahoo.com/quote/FZROX?p ... c=fin-srch

s&p 500 and dow are both up more than 0.8% today, and FZROX is down 0.3%? What is going on?
by frugalor
Fri Nov 27, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Which brokerages are providing excellent service now?
Replies: 32
Views: 2187

Re: Which brokerages are providing excellent service now?

I just went through lots of trouble at Vanguard canceling my account transfer from Vanguard to Fidelity. I had to call them multiple times. Each time I had to repeat myself. One or two times I got lucky and got someone who knew the situation, more often I got someone who had no clue and gave me the ...
by frugalor
Tue Nov 17, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone here mostly cash in portfolio?
Replies: 210
Views: 22013

Re: Anyone here mostly cash in portfolio?

This topic is near and dear to my heart. I started buying stocks around 1997. I was quickly shaken out. Then I was shaken out by dot bomb at 2000. Then I was shaken out by financial meltdown at 2008. Then I was shaken out at 2016 thinking it was a repeat of 2008 only to see the market going to new h...
by frugalor
Sun Nov 15, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: Any long term (+1 years) personal capital users?
Replies: 18
Views: 1759

Re: Any long term (+1 years) personal capital users?

Thanks folks for sharing your experiences. I am seeing double counting of cash flow and income. Net worth is pretty accurate, but not real time. Overall, it beats me keeping an excel spreadsheet myself.
by frugalor
Wed Nov 11, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: Gold continues to soar!
Replies: 342
Views: 23012

Re: Gold continues to soar!

I was just thinking of selling my IAU stake. I see a down trend. Is it a good idea to convert it to VOO now?
by frugalor
Tue Nov 10, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: Any long term (+1 years) personal capital users?
Replies: 18
Views: 1759

Any long term (+1 years) personal capital users?

I have already searched and read some of the discussions on personal capital here. I have just signed up with personal capital and really like their UI more than Fidelity Full view. I have just enter some accounts with small amounts to test it out. I just want to see if there are any long term users...
by frugalor
Wed Nov 04, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 13232
Views: 1022193

Re: U.S. stocks continue to soar!

When everyone is greedy be fearful. I don't know of anyone who has been able to put that into real practice in a consistently profitable way, even Warren Buffett, who has been trailing the S&P 500 for a long time now. I was real greedy, but that was last week when others were panicking. This we...
by frugalor
Sat Oct 31, 2020 11:02 pm
Forum: Personal Investments
Topic: Hit 2M, at 38, should I retire?
Replies: 106
Views: 16046

Re: Hit 2M, at 38, should I retire?

Congrats man! Now you can use your God given talent to do whatever makes you truly happy. Who knows, maybe you will make even more money as a by-product. If they don't bring money, who cares.
by frugalor
Sat Oct 31, 2020 10:53 pm
Forum: Personal Investments
Topic: Have 22k to invest should I do it now or after election?
Replies: 14
Views: 1968

Re: Have 22k to invest should I do it now or after election?

I would expect a decent amount of volatility over the next few months, but that doesn't mean wait. Volatile times are often good times to invest. Maybe 2K on Monday and about the same every week for the next 3 months. I agree with this. It seems like the market is on a down trend right now. I just ...
by frugalor
Thu Oct 29, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Energy & Oil
Replies: 91
Views: 6998

Re: Vanguard Energy & Oil

oil has been going down everyday. with the new lockdowns, could it go to negative again?

i just hope at some point it will go back up to $60 and I'll exit completely. will it ever go back to $60 again?
by frugalor
Thu Oct 29, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: is now a good time to go to cash in your portfolio?
Replies: 76
Views: 5058

Re: is now a good time to go to cash in your portfolio?

Looks very dark and unstable in the next few months (pandemic, election, civil disorder). Good idea to sell some funds to create cash in your portfolio, when things continue to drop, to purchase/buy very low. Wouldn't this be a good buying opportunity and wise move to hold cash now for the future. ...
by frugalor
Wed Oct 28, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22187
Views: 2951818

Re: U.S. stocks in free fall

jason2459 wrote: Wed Oct 28, 2020 2:07 pm Nice time to be an accumulator. :beer
I guess DCA is a better approach after all
by frugalor
Wed Oct 28, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22187
Views: 2951818

Re: U.S. stocks in free fall

Interesting BND is not dropping much. In previous drops, even bonds will drop a lot. Makes me wonder maybe there is some wisdom in holding some BND in the mix.
by frugalor
Wed Oct 28, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22187
Views: 2951818

Re: U.S. stocks in free fall

It always happens like this for me. I get serious about investing and put my cash to market, and it drops big time. I was shaken out back in 2016, only to see the market went back up very quickly after I cashed out. This time I am holding onto the ride no matter what. It's a bit frustrating right no...
by frugalor
Sun Oct 25, 2020 10:48 pm
Forum: Personal Investments
Topic: What to do with big sum in cash right now?
Replies: 21
Views: 3845

Re: What to do with big sum in cash right now?

what did you lock? I didn't understand you I meant the 60% down thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=328583&newpost=5566868&view=unread#unread Anyways, any guess on timeline of the downward movement? I have no idea! I heard chatter from people! so I thought this...
by frugalor
Sun Oct 25, 2020 10:41 pm
Forum: Personal Investments
Topic: What to do with big sum in cash right now?
Replies: 21
Views: 3845

Re: What to do with big sum in cash right now?

Nimer wrote: Sun Oct 25, 2020 10:39 pm what did you lock? I didn't understand you
I meant the 60% down thread: viewtopic.php?f=10&t=328583&newpost=556 ... ead#unread

Anyways, any guess on timeline of the downward movement?
by frugalor
Sun Oct 25, 2020 10:37 pm
Forum: Personal Investments
Topic: What to do with big sum in cash right now?
Replies: 21
Views: 3845

Re: What to do with big sum in cash right now?

Always thought cash was the safest asset but now with all the money printing, i feel i need to be invested I would suggest educate yourself with the three fund portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio . Given you are 45 I won't suggest going 100% SPY, you should choose an asse...
by frugalor
Sun Oct 25, 2020 9:03 pm
Forum: Personal Investments
Topic: Help getting in the market
Replies: 52
Views: 3543

Re: Help getting in the market

I thank all of you. You are welcome. What is the plan? How are you making your learnings into action? Already set up a chunk deposit of $30,000 along with transferring my earnings from this month immediately. Setting up another $30,000 to go in on the first as well as setting auto deposit of $30,00...
by frugalor
Sun Oct 25, 2020 8:57 pm
Forum: Personal Investments
Topic: What to do with big sum in cash right now?
Replies: 21
Views: 3845

Re: What to do with big sum in cash right now?

Read https://www.bogleheads.org/wiki/Dollar_cost_averaging#Dollar_cost_averaging_versus_lump_sum and https://www.bogleheads.org/forum/viewtopic.php?p=5556347#p5556347 I would recommend first understanding why you are in all cash, you should probably decide your asset allocation and create an IPS an...
by frugalor
Thu Oct 22, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Did the 4% rule just become the 5% rule? :)
Replies: 156
Views: 19674

Did the 4% rule just become the 5% rule? :)

[Merged into the existing discussion -- moderator oldcomputerguy] I just learned about the 4% rule not long ago. And now I read this article: https://www.marketwatch.com/story/the-inventor-of-the-4-rule-just-changed-it-11603380557?mod=home-page Basically, the opinion is that the 4% is for the worse...
by frugalor
Thu Oct 22, 2020 7:34 am
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13975

Re: All in on VTSAX

Top Ten Companies in Vanguard Total International Stock Index 1 Alibaba Group Holding Ltd. 2 Tencent Holdings Ltd. 3 Taiwan Semiconductor Manufacturing Co. Ltd. 4 Nestle SA 5 Samsung Electronics Co. Ltd. 6 Roche Holding AG 7 Novartis AG 8 SAP SE 9 Toyota Motor Corp. 10 Unilever I like owning these ...
by frugalor
Thu Oct 22, 2020 1:35 am
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13975

Re: All in on VTSAX

Top Ten Companies in Vanguard Total International Stock Index 1 Alibaba Group Holding Ltd. 2 Tencent Holdings Ltd. 3 Taiwan Semiconductor Manufacturing Co. Ltd. 4 Nestle SA 5 Samsung Electronics Co. Ltd. 6 Roche Holding AG 7 Novartis AG 8 SAP SE 9 Toyota Motor Corp. 10 Unilever I like owning these ...
by frugalor
Wed Oct 21, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: Will it be a burden to file taxes when you sell after 30+ years?
Replies: 17
Views: 2011

Re: Will it be a burden to file taxes when you sell after 30+ years?

You shouldn't be doing 15+ buys per month. What is the reasoning behind that ? For anyone curious. I had a of cash. Being a very conservative guy, I was buying every day. But I won't do that going forward now. I've looked at your 15 posts on the forum. I think, given your assets, it would be a real...
by frugalor
Wed Oct 21, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: Will it be a burden to file taxes when you sell after 30+ years?
Replies: 17
Views: 2011

Re: Will it be a burden to file taxes when you sell after 30+ years?

<r><QUOTE author="novemberrain" post_id="5557474" time="1603218465" user_id="134496"><s>[quote=novemberrain post_id=5557474 time=1603218465 user_id=134496]</s> <QUOTE author="rascott" post_id="5557216" time="1603211299" user_id="89871"><s>[quote=rascott post_id=5557216 time=1603211299 user_id=89871]...
by frugalor
Wed Oct 21, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 27719

Re: Anybody here trying Coast FIRE?

I think some people misunderstand what FIRE is about. And different people will have different implementation of FIRE. I just found out FIRE last one or twos weeks ago. I have listened to Mr. Money Mustache' talks and interviews. I am much like him that I can't truly multi-task and devote myself to ...
by frugalor
Tue Oct 20, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Will it be a burden to file taxes when you sell after 30+ years?
Replies: 17
Views: 2011

Re: Will it be a burden to file taxes when you sell after 30+ years?

I am using Vanguard and Fidelity. Should be ok, right?
by frugalor
Tue Oct 20, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: Will it be a burden to file taxes when you sell after 30+ years?
Replies: 17
Views: 2011

Will it be a burden to file taxes when you sell after 30+ years?

Let's say I purchase a total market mutual fund whenever I have excessive cash, say I have 15+ buys in a month. And this is a taxable account. I keep doing it for 30+ years. When I sell some shares in the far future, will figuring out my cost basis be a hassle? Do I have to keep my own records of ea...
by frugalor
Mon Oct 19, 2020 12:13 am
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 156
Views: 22950

Re: Ark Funds

Just heard about ark funds from a pod cast and remember this thread. First thing it came to my mind is CGM Focus Fund. It did super well during the bull market before 2008. Then it did so poorly at the market crash and ever since.
by frugalor
Sun Oct 18, 2020 11:02 pm
Forum: Investing - Theory, News & General
Topic: JPMorgan offers lowest cost ETFs so far
Replies: 19
Views: 2655

Re: JPMorgan offers lowest cost ETFs so far

frugalor wrote: Sun Oct 18, 2020 10:56 pm
VCC wrote: Sun Oct 18, 2020 10:14 pm BNY Mellon has 2 zero fee ETFs- BKAG & BKLC
Wow. It is race to the bottom...

Did a yahoo finance chart comparison between VTI and BKLC. VTI did better.
Oh wow. VTI did better than VOO. Total stock market beat S&P 500.

BKLC beat VOO
by frugalor
Sun Oct 18, 2020 10:56 pm
Forum: Investing - Theory, News & General
Topic: JPMorgan offers lowest cost ETFs so far
Replies: 19
Views: 2655

Re: JPMorgan offers lowest cost ETFs so far

VCC wrote: Sun Oct 18, 2020 10:14 pm BNY Mellon has 2 zero fee ETFs- BKAG & BKLC
Wow. It is race to the bottom...

Did a yahoo finance chart comparison between VTI and BKLC. VTI did better.
by frugalor
Sun Oct 18, 2020 10:53 pm
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13975

Re: All in on VTSAX

Thank you! I have figured out how to add a topic now :) I didn't know there was a study about lump sum vs dollar cost average. I keep hearing people recommending dollar cost average, but in reality, it hasn't served me well. I have described this in my response in this thread https://www.bogleheads...