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frugalor

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.

frugalor

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...

frugalor

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 ...

frugalor

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 ...

frugalor

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 ...

frugalor

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...

frugalor

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.

frugalor

I just changed my cost basis method to SpecID. Seems to be the best way to rule out any ambiguities. Thanks folks.

frugalor

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 ...

frugalor

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...

frugalor

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...

frugalor

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.

frugalor

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...

frugalor

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...

frugalor

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...

frugalor

Yeah. I am very interested in finding out. Do we have anyone in this group with a fidelity account with 500K+ assets?

frugalor

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.

frugalor

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?

frugalor

Thanks all for replying

!

frugalor

[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?

frugalor

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 ...

frugalor

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...

frugalor

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.

frugalor

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?

frugalor

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...

frugalor

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...

frugalor

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.

frugalor

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 ...

frugalor

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?

frugalor

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. ...

frugalor

jason2459 wrote: ↑Wed Oct 28, 2020 2:07 pm Nice time to be an accumulator.

I guess DCA is a better approach after all

frugalor

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.

frugalor

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...

frugalor

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...

frugalor

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?

frugalor

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...

frugalor

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...

frugalor

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...

frugalor

[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...

frugalor

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 ...

frugalor

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 ...

frugalor

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...

frugalor

<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]...

frugalor

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 ...

frugalor

I am using Vanguard and Fidelity. Should be ok, right?

frugalor

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...

frugalor

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.

frugalor

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

frugalor

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.

frugalor

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...

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