Bogleheads.org

I would go all in on FZROX and chill.

Just a warning to anyone using Google Voice. My wife had her Google Voice number removed by Google. No warning from Google at all. In the past they used to send an email reminder to use the number within 30 days or lose it but this time she never got a reminder to use it and also no notification that the phone number was removed until time came to try to use it and it was gone, can’t get it back either.

I have since replaced all Google Voice phone numbers on our accounts with something else.

My take is don’t bet against America.
Here is the link to the letter. https://www.berkshirehathaway.com/letters/2022ltr.pdf

My cash balance plan has no online access. A single page printout of current balance is handed to me once a year from HR as my only documentation.

What is the best way to automatically schedule buying more FZROX every other Thursday if Fidelity only allows monthly day numbers?

Sell $3,000 of VTSAX to buy your new REIT mutual fund. You can then immediately sell part of your REIT fund because the $3,000 minimum only applies to the initial purchase. If you want to fund the REIT in the next 30 days you can use automatic investment scheduling.

If transaction fee is $20 to buy PSLDX and my annual contributions to Roth IRA are $7500, is there a way to find out what is the optimum amount to buy? Right now Roth IRA contributions are going in every week into a Vanguard Target Date Fund. Does every $6,000 seem too low, every $7,500 seem about right, or maybe every $20,000?

I have Wex and hate them. I refuse to invest anything with them because of the high investment expenses. Once a year all the cash gets rolled over to Fidelity.

Marriage does have its benefits.

Stinky wrote: ↑Tue Jan 24, 2023 7:59 am

srouen wrote: ↑Tue Jan 24, 2023 7:31 am Rather meaningless milestone but I've been looking for it all year: today our net worth exceeds the amount it was at the high-water mark in Jan 2022 before the bear.

Congratulations!

If you’ve been watching it all year, then it’s important to you.

(I wish I could say that my portfolio has recovered to January 2022 levels )

It’s a sign of a good sized portfolio when yearly contributions can’t match the swings of the market.

newbie001 wrote: ↑Thu Jan 19, 2023 11:40 am
Best of luck! I'm taking the plunge tomorrow and moving my HSA almost entirely into PSLDX. Hopefully the next 30 years are good to it

I never heard of an HSA allowing PSLDX, who do you have as an HSA?

Invest2027 wrote: ↑Wed Jan 18, 2023 8:09 am Reverse split announced by PIMCO for a number of funds including PSLDX. 3 for 1 so 3000 shares in PSLDX turn into 1000 on 3/24/23. It has no impact on my position and I feel ok with it. This may actually be beneficial and improve the longevity of the fund.
https://documents.pimco.com/Viewer/GetF ... 8KrFgq0%3d

This should throw a wrench in peoples spreadsheets that like to track number of shares

I’ve had a Fidelity HSA for over three years now. I love it. Never had to pay any fees, and the expense ratio is also 0% for the mutual fund I invest into, FZROX.

My work 401K net asset fee went from 1.17% to 0.67% at the beginning of the year. Still a bit on the high side but this is now a lot more reasonable. Currently investing 9% of income into 401k as it drops me down from 22% to 12% tax bracket. I could increase my contributions up to 23% but have instead been investing HSA money into Fidelity and saving medical receipts until I retire. Is this 401k fee low enough now to make it worth investing more into or is my HSA investing strategy and saving receipts a better approach?

CletusCaddy wrote: ↑Fri Jan 06, 2023 1:18 pm Looks like we’re back in business baby!

A very good day for PSLDX.

I use two boxes. One box for scanned receipts and one box for not scanned. Once a year I scan with my phone to Google photos all the not scanned receipts. This creates two backups, one on my phone and one into Google cloud stored photos. I then dump the receipts into scanned box. In about 20 years I plan to reimburse myself with these receipts.

Garage door opening on its own can also be caused by POTUS flying overhead. Something about the jamming tech on the plane would open my garage door every time he flew over.

When ordering through a drive-through and my passengers are deciding what size drink to get I’m always recommending “go big or go home”

I’m not lump summing two Roth IRAs on January 1st this time. It was especially painful last year. Dollar cost averaging every other week this time.

3208.

Best Long Term Bond Advocate: Vineviz

Any chance of Vanguard removing the $20 buying fee for PSLDX this year since ETrade has removed their fee?

Up your traditional 401k contributions if you can to bring down your marginal tax rate from 22% to 12%. My 401k has high fees but it’s still worth it for me to get down to the 12% tax rate.

4.58% today, things are looking up.

I would like to propose replacing the Total Bond Market Index Fund portion of this portfolio with Cash, Money Market Fund, and/or I-Bonds. No reason to take risks where the rewards aren’t worth it.

You already got most of the benefit of your HSA account from the initial tax deduction on the contribution. I would prioritize your Roth contribution by taking money out of the HSA to fund the Roth with $6,000 for the year.

I believe a total international index fund like Fidelity Total International Index Fund, FTIHX, to be the best fund for an HSA account. The reason is because international funds pays foreign taxes on dividend distributions, so we get hit with just one tax drag holding it in an HSA account. If we tried to hold international in a Roth IRA we get two tax hits, one going in from taxable income and one from foreign taxes on dividend distributions. Holding international in a 401K also gets two tax hits, one going out as taxable income and one from foreign taxes on dividend distributions.

Vanguard charges $20 to buy. So you would need $25,020 in your settlement account to buy the minimum amount of $25,000.

I still think it’s an outstanding fund choice for a Roth IRA at Vanguard. 100% stock and 100% bonds in one fund. I only wish I could buy more this year instead of waiting until next year. The bad times can hit hard but so can the good times.

It would really be nice to see the max contribution limit be at least my max family deductible.

I always try for UL approved as not getting that can be a fire hazard, ones with 45° plugs, and sockets with dust covers.

I found myself sleeping better at night since I started investing into an international total index fund, 20% of my portfolio is my end goal but only with new money going into it.

I’ve left $1 in VTSAX and never had any problems.

Create a notecard with your account # and password and save it in safe location. Also write down the three security questions and answers you used. Hopefully you used fake answers and not answers a hacker might be able to research in you. You will be asked these questions when making any significant changes to your account.

Created treasurydirect account today and noticed the max password appears to be 16 characters but is not mentioned anywhere on the site and just shows 8 character minimum length, but you won’t know you reached the max limit when typing because it is hidden with * symbols. I really like the automatic scheduled purchase of a weekly amount, going to DCA into this for the next 5 years every week. Note that all I Bond purchases are backdated to the first of the month, and each purchase has to be managed forevermore as its own lot within TreasuryDirect, so there is negligible upside and moderate downside to scheduling recurring purchases weekly instead of, say, monthly. Cash comes in every week for me so the sooner I can’t touch it the better.

Created treasurydirect account today and noticed the max password appears to be 16 characters but is not mentioned anywhere on the site and just shows 8 character minimum length, but you won’t know you reached the max limit when typing because it is hidden with * symbols.

I really like the automatic scheduled purchase of a weekly amount, going to DCA into this for the next 5 years every week.

manlymatt83 wrote: ↑Fri Apr 01, 2022 12:31 pm Anyone have this as their only domestic holding?

It’s only available in my Roth IRA, which is probably a good thing as it forces me to be a bit more diversified
401K: FSKAX
HSA: FSKAX
Roth IRA: PSLDX

manlymatt83 wrote: ↑Mon Mar 28, 2022 1:21 pm Why is this doing better than HFEA recently?

Also, would starting with $100k of PSLDX essentially be the same as starting with $25k HFEA over 40 years?

PIMCO's active bond managers in this fund are unbeatable. They are simply the best at the game.

Impressive day, seems like rocket boosters are now refueled.

Cheer up everyone. VTSAX down -1.0% today yet PSLDX up 0.15%.

Anyone else max their Roth IRA contribution for the year into this fund on January 3rd?

Perhaps it’s not Ooma but your internet service. I am a long time Ooma user, and call quality is great. Price is still within $1 of when I signed up 13 years ago, last bill was $6.09/month.

Fidelity HSA accounts do not charge fees based on account balances unless you are using Fidelity Go which provides discretionary investment management for a fee.

The very small list of Fidelity recommended HSA funds is just that, funds to consider, and I would ignore them all and go for a total stock market fund like FSKAS or FZROX and there are no other fees involved purchasing and holding these funds other than their normal expense ratios.

We went through this ourselves with a broken toilet seal on the second floor that leaked through below into garage. You need to get your insurance company involved. The plumber cost is not reimbursable by insurance. However, the cost to remove all the drywall, dehumidify, and rip up the flooring is, along with reinstalling everything back with new materials. Expect your insurance to take a hit and go up 10% for filing a water claim, ours did.

Thanks for sharing this list of 50 rules. I might add one more of my favorites to the list
51. The time to invest is always now.

Bogle, Buffett, and JL Collins all say you don’t want international stock.

egrets wrote: ↑Sat Jan 01, 2022 11:47 am I'm nearly eighty and have a split between CDs and mutual funds (Wellesley, Wellington, and VDIGX) that I'm fairly comfortable with. $60,000 is about to materialize in my Roth and I don''t feel comfortable putting it in the stock market. Is there something safe that yields 1%? 2%? or am I living in the past

In my area, the max CDs earn is about 0.5%.

Thanks.

Safe to me means zero risk. The Vanguard Cash Reserves Federal Money Market Fund Admiral Shares, VMRXX, would be my recommendation, and with 4 rate hikes coming you will probably be at 1% return by the end of the year.

5,577

OuterBanks wrote: ↑Sun Nov 21, 2021 8:23 am Does anyone know if Vanguard allows for dividend reinvestment for NTSX yet? It previously wasn’t allowed when I held it at Vanguard saying low volume of fund.

So I just discovered Fidelity allows for automatic reinvestment of dividends for NTSX, so I turned it on today, hopefully in time before December’s dividend. Buying fractional shares is also allowed which I found is a great way to zero out settlement amounts.

keith6014 wrote: ↑Tue Dec 14, 2021 1:30 pm

Winthorpe wrote: ↑Tue Dec 14, 2021 11:53 am

firebirdparts wrote: ↑Sat Dec 11, 2021 10:53 am I hold it at Fidelity...

firebirdparts,

I'm curious how you came to hold this at Fidelity. Did you transfer shares in or were you able to make the purchase directly with Fidelity? Thanks!

same question! how did you buy this in Fidelity?

Firebirdpants has posted in the past about buying it through a Fido 401k brokeragelink.