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Pocanutin

I think that you meant FSKAX. For what it's worth, we hold only two funds at Fidelity. FSKAX(Total Stock Index and FUAMX (intermediate Treasury index), in roughly 38/62 ratio.

Best
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Pocanutin

Fidelity is not a bank, but a brokerage; thus cannot offer high yield savings.
Best,
P

Pocanutin

I asked my Fidelity advisor this very question some time ago, and his reply was that Fidelity was not a bank (like Ally), but a brokerage. Therefore, no high yield savings available.. Until recently, Fidelity MM was equal or better than Ally, but not now. I just moved some of my cash MM at Fidelity ...

Pocanutin

DBR, Yes, an increase in equity makes sense for expected greater return.

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Pocanutin

Thanks DBR You have provided food for thought. I always believed that stocks would provide some protection from inflation, and at our age (I thought) that the risk of runaway inflation would be relatively low and although our annuities are not inflation-adusted, we would be able to survive. I did ru...

Pocanutin

Thanks Simple Gift: I believe that you have asked a better question than the one that I submitted. What IS the downside for holding tips at our age? Indeed, what could it hurt to hold a small percentage in tips? I did notice that Fidelity Freedom Index target date fund 2020 (which holds about 48% eq...

Pocanutin

Greetings: I am 78 years old and DW is 73. We have basically a two fund portfolio of 50% Total Stock Index (FSKAX) and 50% Intermediate Treasuries (FUAMX) at Fidelity in IRAs. A question that has bothered me for some time is whether TIPs are recommended for someone our age since we have several life...

Pocanutin

My god!! please someone lock this thread.
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Pocanutin

Got mine today!!!
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Pocanutin

pshonore:

Thanks for the info regarding reits..AFter reading some of the responses here, I have cooled down somewhat and agree that it is better to be late than have to file correction.

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Pocanutin

Mine is late also...ITOT Total Stock Fund ETF is holding mine up! Fidelity has never been this late before, although we usually have only one or two Fidelity funds in taxable account.
Very disappointing. Some of us have to get this stuff to accountants as soon as possible.

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P.S. No foreign funds.

Pocanutin

I think those fees are required by the exchanges, not Fidelity.
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Pocanutin

Have you considered just purchasing a white noise generator (or app for sleep)? We have two of these and they work for us...we are close to a major highway also. Particularly useful at night.

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Pocanutin

To add to what others have said, I have SPIAs with both Mass Mutual and New York Life for years (78 Years old)--purchased 12 years ago. No problems with either and based upon my experience, either one would be excellent...Not always the cheapest, but perhaps the best.

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Pocanutin

oops, you beat me to it.....

Pocanutin

not applicable in a tax deferred account.
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Pocanutin

yes, new fidelity index funds are now live

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Pocanutin

We just terminated COX and initially attempted to reach the retention department. When we finally did, we were told that there was no direct number to contact that department. We had been customers for 11years and had previously negotiated price reductions. After all of these years, we joyously bid ...

Pocanutin

Thanks mrc

I removed cookies from citi...seemed to solve problem.

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Pocanutin

YES, YES, YES!! Private mode worked!!!!

Thank you thy4373

Pocanutin

Thanks...yes I just went to citi.com, signed in, and all I get is the whirling semicircle on a completely blank page...When I reload that page, I get a message that indicates technical problems.

Quite a puzzle.

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Pocanutin

Is anyone else having trouble signing into their Citi credit card account. I have been unable to get to my account for at least 3 days.

Thank you.

Pocanutin

Pocanutin

I have used this card for a long time...try this..log in and in the upper right corner is a label "Rewards and Offers (I think). Click on that tab and see the details of your purchases and current rewards. Maybe that will help. Good Luck. P P.S. You can choose to have rewards credited to your s...

Pocanutin

OP:

Those two funds are what we own in our IRAs @ 50/50. Age 77/72 retired.
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Pocanutin

We just terminated Cox two weeks ago...had been with them for 11 years, but we got tired of playing the call game every few months to try to negotiate a better price. In addition, they flat-out lied to us several times over the years. Fortunately we were able to go with a local provider at a signifi...

Pocanutin

I have done several over the years and you will get the yield stated in the new issue list.

Best,
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Pocanutin

We use ClamXAV...$29.95 year for up to 3 computers. Never had infection (so far), although several have been detected and quarantined. Previously was free, just started to charge this year. We have used this program for4 years.

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Pocanutin

I believe that Fidelity is privately owned. I thought Vanguard was employee owned. Perhaps I'm wrong.

Pocanutin

To paraphrase Louis Rukeyser, this week I became a long-term investor

Pocanutin

What the representative told you is correct. Fidelity is not a bank...this is the reason that they don't have a high yield savings account option. In order to obtain that option, I had to transfer some of my MM account to Ally which IS a bank. Govt. reserves MM at fidelity is yielding about 1.85 or ...

Pocanutin

Another vote for "Die Broke" book.

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Pocanutin

Another vote for Fidelity...in my experience of 35 years with them, excellent customer service and always attempting to improve via solicited customer feedback. I am probably not remembering this accurately, but I can't recall a single error that they have made with my account over those years. To b...

Pocanutin

We use Health Warehouse (Kentucky I think ) Very efficient and reliable.

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Pocanutin

Thanks pugetsound guy...what I really meant to convey is whether I should renew the cd ladder each year or let it expire in 5 years and just use the bond index for whatever time I/we have left. I'm afraid that I wasn't very clear in my original post. I do realize that I will be 80 when the current l...

Pocanutin

Greetings bogleheads: I am interested in this thread because I am attempting to decide whether I need any more guaranteed income for diversity. The following information may be relevant: I am 76 YO and DW is 71 and we are in the distribution phase of retirement. Thanks to several annuities purchased...

Pocanutin

bump to top

Pocanutin

excellent!

Pocanutin

I am in the Fayetteville area and would be willing to co-cordinate organizing a chapter if needed.

Age constraint might preclude my taking full responsibility for organizing, but would be happy to help.

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Pocanutin

No you can establish a treasury ladder within an IRA, I have one..

Pocanutin

Another vote for SAPIENS...this is my second reading and still learning!

Also his newest book (and follow-up) HOMO DEUS. A fascinating read.

Pocanutin

Fidelity does not regard monthly RMD withdrawals from a non- MM account as a part of frequent trading rules. I have done that for over a year from my bond fund with no fees or restrictions. They sell a bond fund RMD approx. 3 days before it is deposited to cash in MM and then it is withdrawn from th...

Pocanutin

you are correct...I should have said the op was 9 years old... I posted because I thought you might not have seen the date which happens occasionally.
Best,
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Pocanutin

this post is about nine years old.

Pocanutin

Might you consider a 5 year double-rung (i.e., "stacked") ladder? That way you will have enough funds available each year to extend the ladder to a single rung ladder thus providing a 10 year spread. That way you might be able to capitalize on any increase in interest rate over the next fe...

Pocanutin

Sheepdog:
Let me be the first to wish you []Happy Anniversary. We will celebrate our 40th in two weeks...I hope to achieve your milestone.

Best,
Pocanutin

P.S. I enjoy your posts

P.P.S O.K. the second to wish you happy anniversary

Pocanutin

Fidelity customer for 30 years...absolutely no problems. In fact, I can't remember a single mistake after all of those years. Customer service in my judgment in extraordinary. No experience with Vanguard, however.
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Pocanutin

Don't forget to add the underlying (active) fund fees which could add another .8-1+%....I doubt that the advisory service would place your funds in low cost index funds. I could imagine that your total cost could be on the north side of 2% a year.
Pocanutin

Pocanutin

By far, as with Taylor, my most difficult transition was from saving to spending. I still struggle with this and I am 74 YO.

Pocanutin

Pocanutin

upgraded yesterday...all is well (so far) iPad 3 and iPhone 5

Pocanutin

Pocanutin

I use macbook pro and the yahoo mail is very slow with some functions not working at all (e.g. delete spam).
I will probably switch to gmail where I have a secondary account.
Yahoo is pathetic.

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