Search found 725 matches

by mervinj7
Tue Dec 11, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2070

Re: Hyatt Legal Plan for Will and Trust

We are middle of this process as well. However, in our case we still had a $400 document and notary fee remaining after the roughly $2.5k Hyatt discount for the various Estate documents. Other than that, we really liked the attorney and our consultation meetings.
by mervinj7
Fri Dec 07, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Understanding TIPS
Replies: 36
Views: 3370

Re: Larry Swedroe: Understanding TIPS

Excellent article. I think I have a slightly better understanding of TIPS now. I will continue, as previously planned, to buy the 5 Year TIPS in my HSA next week.
by mervinj7
Thu Dec 06, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Just seeing this thread.. I would want to transfer in kind, since I am in California and selling/tranferring cash is a state taxable event. I own Fidelity TIPS fund at Saturna, would it be able to transfer in kind to Fidelity? Since you are using a TIPS fund, does it actually have any capital gains...
by mervinj7
Wed Dec 05, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Young professionals in CA - $80K Roth conversion?
Replies: 25
Views: 1504

Re: Young professionals in CA - $80K Roth conversion?

I wouldn't do the conversion. Even if your marginal rate goes up in the near future, it's not necessary true that it will be higher in retirement. 31% is a huge tax hit. Don't overthink it.
by mervinj7
Wed Dec 05, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2766

Re: Does new Fidelity Individual HSA charge a monthly account fee?

If I want to transfer money from my work hsa custodian to fidelity, I would need to do this on a monthly basis? Money gets added to my has every month. Seems like a pain to keep transferring it. Is that what other people do? Judging by this thread, many folks just do it 1-4 times a year to save on ...
by mervinj7
Wed Dec 05, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2120

Re: Home Question, What Would You Do?

Straightforward question...straightforward answer... just move and be happy. Good luck! On a related note, at your income levels and savings have considered getting a 15 year mortgage instead of a 30 year mortgage? Or if the liquidity issues doesn't work out, pay extra on your mortgage payment so yo...
by mervinj7
Tue Dec 04, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2766

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by mervinj7
Tue Dec 04, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2766

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by mervinj7
Tue Dec 04, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19330

Re: Schwab Vs Fidelity Vs Vanguard

This is not quite true if you set it up correctly. I keep no balance in the cma account at fidelity. It draws from the overdraft Brokerage account that I named checking. In it, I have core options of SPAXX or FZFXX. FZFXX is a treasury fund yielding 1.87 today, plus no state taxes. Be careful about...
by mervinj7
Tue Dec 04, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 14
Views: 1061

Re: Schwab vs Fidelity for checking account + Passive Investment

Happy with Schwab checking at 0.30% FDIC and everything free. Use the linked brokerage account for savings consisting of SWVXX money market fund at 2.13% and a 13-week 3-bill t-bill ladder at 2.5% taxable equivalent yield (for my state tax bracket). No complaints except as mentioned you have to man...
by mervinj7
Tue Dec 04, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19330

Re: Schwab Vs Fidelity Vs Vanguard

It is my understanding that Vanguard, and perhaps Fidelity as well, have sweep accts w/ decent interest rates. I don't know about Vanguard, but the sweep accounts on my Fidelity Cash Management account are only paying around 0.3%. If you keep any kind of cash in a Fidelity CMA, it's best to use one...
by mervinj7
Tue Dec 04, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 14
Views: 1061

Re: Schwab vs Fidelity for checking account + Passive Investment

Happy with Schwab checking at 0.30% FDIC and everything free. Use the linked brokerage account for savings consisting of SWVXX money market fund at 2.13% and a 13-week 3-bill t-bill ladder at 2.5% taxable equivalent yield (for my state tax bracket). No complaints except as mentioned you have to man...
by mervinj7
Mon Dec 03, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Picks from Fidelity 401k
Replies: 6
Views: 369

Re: Fund Picks from Fidelity 401k

Hello Everyone, New member here. I recently started to make enough to make any sizeable contribution to my 401k and have zero investment experience. I have read the general three-fund portfolio rules and in theory understand what is required but cannot understand what category the available funds a...
by mervinj7
Mon Dec 03, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2766

Re: Does new Fidelity Individual HSA charge a monthly account fee?

And they let you have access to the three fund in ETFs commission free? I'm looking for the catch. Fee-wise, an retail HSA at Fidelity is just like their regular brokerage account. You can buy Fidelity index funds and certain iShares ETFs commission-free. I use mine to buy Treasuries at auction (al...
by mervinj7
Mon Dec 03, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2766

Re: Does new Fidelity Individual HSA charge a monthly account fee?

I have all of my retirement savings with Vanguard, so I'd only be keeping about $10k from the HSA at Fidelity. I can't find anything online or their website to confirm that I won't be charged a monthly fee if I complete this rollover. No monthly fees for retail HSAs (i.e. not through your workplace...
by mervinj7
Mon Dec 03, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: One time transfer IRA to Fidelity HSA - Good? Bad?
Replies: 11
Views: 1170

Re: One time transfer IRA to Fidelity HSA - Good? Bad?

From a previous post: I would add that even if you were eligible it is almost always a bad idea: You get no deduction from the resulting transfer and you are giving up the opportunity to expand your tax-advantaged space. It has a testing period of the entire next year just like the last month rule. ...
by mervinj7
Fri Nov 30, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

Sadly for us in CA, yes. I'll probably just leave mine in cash for a little while yet - eventually I think I'll move most of it into TIPS as I see it there aren't any other palatable options. For cash, remember to use FDLXX as your "cash" position instead of the default core position. Money Market,...
by mervinj7
Fri Nov 30, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

I'm going to write to my state rep and complain about this. It's astounding to me that we're of only 2 states that tax HSAs, especially given how much virtue signaling the CA politicians do about providing affordable healthcare for all. My balance will finally break 5 figures and along with the tra...
by mervinj7
Fri Nov 30, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: should I go with inverter/optimizers or micro-inverters for home solar?
Replies: 7
Views: 646

Re: should I go with inverter/optimizers or micro-inverters for home solar?

I'm in the process of getting solar installed now. Interestingly enough, when we got quotes from 6 companies, no one offered an string inverter option for our setup in the Bay Area. Apparently, 80% of residential solar quotes in 2017 included Enphase Micro-Inverters or SolarEdge power optimizers. In...
by mervinj7
Thu Nov 29, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

For those interested in placing TIPS in their CA Fidelity HSA (CaliFidoHSA?), there's a great Boglehead presentation and intro on TIPS from forum member SavageAmusement: viewtopic.php?t=246597
by mervinj7
Thu Nov 29, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: CA resident 529
Replies: 17
Views: 1563

Re: CA resident 529

If you're on the fence about opening a CA 529 for your kid or a nephew/niece/grandchild, a great time to open one would be between 12/5/18 and 12/7/18. You'll get a $50 Amazon gift card if you setup a $50 opening deposit and $25 automatic contributions. That's a 25% return over 6 months :shock:. I'...
by mervinj7
Thu Nov 29, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 69
Views: 11538

Re: Fidelity Money Market Funds for everyday expenses

Super helpful, thank you! What's the benefit of using 6 month treasury bills over CDs? Tax benefits? I'm in GA Also what's an example of a Treasury MM fund? I learn something useful EVERY day on this forum! 1. 6 month Treasury currently has a yield of 2.52%. 6 month CD is paying 2.50%. However, Tre...
by mervinj7
Thu Nov 29, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: CA resident 529
Replies: 17
Views: 1563

Re: CA resident 529

If you're on the fence about opening a CA 529 for your kid or a nephew/niece/grandchild, a great time to open one would be between 12/5/18 and 12/7/18. You'll get a $50 Amazon gift card if you setup a $50 opening deposit and $25 automatic contributions. That's a 25% return over 6 months :shock:. I'...
by mervinj7
Thu Nov 29, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 69
Views: 11538

Re: Fidelity Money Market Funds for everyday expenses

What is a good alternative MM fund to SPRXX that is FDIC insured? I have emergency fund in a B of A MM fund that's delivering almost nothing, and it strikes me that I should create a CMA at Fidelity to park it safely where I will make at least some interest. Thoughts? MM funds are not FDIC insured....
by mervinj7
Thu Nov 29, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

A quick question for Fidelity users -- did Fidelity eliminate the short term trading fee for its commission-free ETFs? I couldn't find this referenced on the website. Yes, the short-term fee (<30 days for iShares ETFs) is eliminated from the current commission and fee schedule. :sharebeer https://w...
by mervinj7
Thu Nov 29, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 69
Views: 11538

Re: Fidelity Money Market Funds for everyday expenses

What is a good alternative MM fund to SPRXX that is FDIC insured? I have emergency fund in a B of A MM fund that's delivering almost nothing, and it strikes me that I should create a CMA at Fidelity to park it safely where I will make at least some interest. Thoughts? I use FDLXX to keep running ca...
by mervinj7
Wed Nov 28, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions on safely investing HSA
Replies: 5
Views: 550

Re: Looking for suggestions on safely investing HSA

Thank you that's most helpful. One further question. Would the HSA work like a CMA if I transfer everything from core funds to SPRXX? That is if I pay a medical bill the funds will be auto-withdrawn from SPRXX? Yes, I keep $1500 (annual deductible) in FDLXX (Treasury Only Money Market due to being ...
by mervinj7
Wed Nov 28, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5326

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Vanguard doesn’t advertise. Fidelity is splashing commercials for its Zero funds all over nationally televised football games. Is it really any surprise that Fidelity is “winning” the AUM game? Am I the only one that remembers the Vanguard advertising campaign that featured the At-Cost Cafe Trucks?...
by mervinj7
Tue Nov 27, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

Since I haven't had to file that paperwork before -- how arduous is the CA state tax paperwork in this example? Just trying to figure out of the juice is worth the squeeze when comparing CA HSA accounts and use a TIPS fund vs cash. It's hardly much work really. You start with your Federal AGI and t...
by mervinj7
Tue Nov 27, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

Are any of my fellow Californians using any of these: - VTAPX: Vang Short-term Infl Protected Sec - VIPIX: Vang Inflation Protected Sec I'd love to hear feedback from anyone using. I'm 100% cash right now in my HSA. No, but I used to use FIPDX (Fidelity Inflation Protected Bond Index Fund) in my Fi...
by mervinj7
Tue Nov 27, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

Mutual Funds: https://www.fidelity.com/fund-screener/evaluator.shtml#!&ntf=Y For the mutual fund screener, you can further limit by Fidelity Index Funds only and sort by expense ratio. https://www.fidelity.com/fund-screener/evaluator.shtml#!&ntf=Y&idxFd=Y&mgdBy=F&sortBy=FEE_XPNS_NET_EXPNS_RATIO_PCT...
by mervinj7
Tue Nov 27, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Californians with Fidelity HSA, what fund are you using?
Replies: 17
Views: 1331

Re: Californians with Fidelity HSA, what fund are you using?

Thought I would break it out from the main Fidelity HSA thread, since our situation is unique. Looking for as little paperwork as possible. I'm not familiar with individual treasury bills/bonds so maybe someone could explain that option. Are these liquid? Here's my post on another thread on how to ...
by mervinj7
Mon Nov 26, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5326

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Reality - Fidelity reduces fees on ton of index funds and launches zero fee fund offerings. This puts their index funds at the lowest cost in the industry and low minimums. They also added access to more iShare funds as no trading cost. They also launched an HSA account which will be a great, low c...
by mervinj7
Wed Nov 21, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a fund for my HSA in California
Replies: 26
Views: 3025

Re: Help me pick a fund for my HSA in California

However, if you already have an investment in your HSA, you will probably have to sell the investment in order to transfer to Fidelity. If the investment has a capital gain, that will be taxable in California. From the thread, some folks have had success with transferring funds in kind between HSA ...
by mervinj7
Tue Nov 20, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: [2018 Health Savings Account Landscape] via Morningstar
Replies: 4
Views: 588

Re: [2018 Health Savings Account Landscape] via Morningstar

Great to hear about Fidelity. A shame that I just finished moving from HSA Bank to Lively. Had I know Fidelity would be offering this, I probably would have waited and gone with them. The move to Lively went smoothly and I'm now investing through them with TD Ameritrade and I have nothing to compla...
by mervinj7
Tue Nov 20, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a fund for my HSA in California
Replies: 26
Views: 3025

Re: Help me pick a fund for my HSA in California

That sounds great, but my HSA provider currently is HSA Bank, which uses TD Ameritrade as its investment vehicle. I’m not sure if I am allowed to switch my investments to Fidelity. I’ll have to make some inquiries. Thanks! You can rollover funds between HSA providers. Check out the primary Fidelity...
by mervinj7
Tue Nov 20, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I'm a little late to the party here. Here's what I surmise: Fidelity now offers a HSA that charges $48/year in administrative fees (unless your employer pays those fees). No fees for Fidelity retail HSAs. $48/year is for employer sponsored plans. https://thefinancebuff.com/best-hsa-provider-for-inv...
by mervinj7
Tue Nov 20, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: [2018 Health Savings Account Landscape] via Morningstar
Replies: 4
Views: 588

Re: [2018 Health Savings Account Landscape] via Morningstar

Unfortunately, this article is already out of date. There's a recent thread on Fidelity new retail HSA option that beats every single plan Morningstar considered in terms of fees. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=263661 https://thefinancebuff.com/best-hsa-provider-for-investing-...
by mervinj7
Tue Nov 20, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a fund for my HSA in California
Replies: 26
Views: 3025

Re: Help me pick a fund for my HSA in California

Mervyn - What are "individual auto-rolling Treasury bonds"? My HSA is in a TD Ameritrade account where I can buy anything but I generally shy away from purchasing individual bonds because the pricing on them is so arcane. Jay, Fidelity has a auto-roll service that automatically repurchases a Treasu...
by mervinj7
Sun Nov 18, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3585

Re: Interview with Fidelity's Abigail Johnson

I'll await some examples where you can show an active fund is cheaper than a similar index fund. I was mistaken about that particular Fidelity fund being an index fund, but my point remains, and here are several index funds that are more expensive than a comparable actively managed fund... T. Rowe ...
by mervinj7
Sun Nov 18, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3585

Re: Interview with Fidelity's Abigail Johnson

That statement assumes that actively managed funds cost more than similar index funds, and while that may be true in most cases, it is not true in all cases, therefore it is not true "by definition." To give one example, Vanguard's Intermediate Term Investment Grade Bond Fund (VFIDX) is an actively...
by mervinj7
Sat Nov 17, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Great info on this thread. Always wondered what I'd do when I left my job. Bummer that you can't move the account "in kind" since my employer's HSA offers Vanguard funds. I'd rather keep those. But maybe Fido has equivalents-- if not now, maybe by the time I retire. I always appreciate the stuff I ...
by mervinj7
Fri Nov 16, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

True, it's just a matter of workflow I guess and I do agree that having that outside the HSA platform itself may be a benefit. So, it's certainly not a deal breaker, but was curious how others handled the digital storage of HSA receipts as it doesn't look like Fidelity will be doing anything in tha...
by mervinj7
Fri Nov 16, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I'm trying to figure out what funds I would pick if I swing everything over from Lively. I'm looking at: FZROX for Total US Market FZILX for International FUMBX for bonds Is that along the general guidelines of what others would be doing? Check the wiki: https://www.bogleheads.org/wiki/Fidelity For...
by mervinj7
Fri Nov 16, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Cap gain in 2016 for FUAMX was 0.075/10.67share price, = 0.703% capital gain for that year (2016), that doesn't seem so bad. Sure, 0 would be better, but that expense ratio's about as low as they come, about 1/5th the ishares ones I was looking at. Yes, in terms of costs, the capital gains for thes...
by mervinj7
Fri Nov 16, 2018 12:56 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

For people in California, would FUAMX (Fidelity Intermediate Treasury Bond Index Fund) be state tax free? For 2017 99.93% of income was from U.S. Government Securities. Currently 99.53% of holdings are U.S. Government Securities. In this case U.S. Government Securities means no (Fannie Mae, Ginnie ...
by mervinj7
Thu Nov 15, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why You Should Consider a Backdoor Roth IRA
Replies: 9
Views: 1673

Re: Why You Should Consider a Backdoor Roth IRA

I quit reading the interview when I got to this part, where they both agree on something that is just flat wrong: “Benz: Let's talk through the logistics. The idea is that I fund a traditional IRA and there's some confusion about who can fund a traditional IRA. Anyone can fund a traditional IRA, ri...
by mervinj7
Thu Nov 15, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48003

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Am I correct that these are the trading fee-free options at Fidelity? Mutual Funds: https://www.fidelity.com/fund-screener/evaluator.shtml#!&ntf=Y ETFs (requires log in, set filters to Trading Characterstics -> Buy Online Commision-Free -> Yes): https://research2.fidelity.com/pi/etf-screener Yes, t...
by mervinj7
Thu Nov 15, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 22
Views: 2445

Re: Portability of Fidelity ZERO

Ok, you are saying Fidelity's ITOT is an ETF and will not pay out a year end capital gains distribution and that will make up for the higher expense ratio of the zero funds. I'm not necessarily agreeing with your answer just trying to understand it. Thank you. For 2017 tax efficiency data and calcu...
by mervinj7
Thu Nov 15, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8412

Re: Vanguard investor class shares on their way out?

Have you looked at the FSKAX prospectus to see if they are subsidizing the expense ratio? the Zero Funds are assumed to have actual expenses of 0.05% Here's the breakdown from the FSKAX propectus: Expenses Management fee $4,005,590 Transfer agent fees 2,802,870 Independent trustees' fees and expens...