Search found 176 matches

by MisterBill
Sun Dec 18, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 21195

Turbo Tax Premier 2016 Free @ Fidelity (Premium Services customers, maybe not all)

[Thread merged into here, see below (next page). --admin LadyGeek] I logged into my Fidelity account and there was a link on the main account page to Get TurboTax® Online Premier free. The link took me to the Intuit website,where I was able to purchase a downloadable version in either PC or Mac (I ...
by MisterBill
Sun Dec 11, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1369

Re: Any problems with index fund with low assets < 100 mil?

Doesn't transaction costs = expenses = expense ratio? Fidelity has said that the expense ratio will be 0.11%, same as FSGDX. As for the tracking error, you should be able to compare the performance the past several months vs. FSGDX and the Vanguard comparison. Anyway, I trust Fidelity to do the righ...
by MisterBill
Sun Dec 11, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1369

Re: Any problems with index fund with low assets < 100 mil?

Presumably you are talking about FTIPX. If you search this site you'll see other discussions about it. The asset total is low because it's a new fund, maybe 6 months old. I bought some earlier this year and converted my tax-deferred FSGDX as well. I don't think you have anything to worry about. As f...
by MisterBill
Sun Dec 11, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Fidelity again
Replies: 5
Views: 815

Re: Vanguard vs Fidelity again

Tycoon wrote:Okay? What's the question?

Or maybe, what's the moral of the story? That they should have gone to Fidelity in the first place? I do hope the OP got a transfer bonus for moving the funds to Fidelity and didn't do it just for spite.
by MisterBill
Sun Dec 11, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity transfer bonus
Replies: 14
Views: 2628

Re: Fidelity transfer bonus

Since this is a current thread, does anyone know how the "limited to one per individual per rolling 12 months" is timed? Is it based on when you last signed up for a bonus, or when you made the qualifying deposit, or when they paid the bonus?
by MisterBill
Mon Sep 26, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

Was not allowed to purchase more than $100k of this fund today in my solo 401k. Is it normal for Fidelity to restrict big purchases or is it just because the fund is still rather new? I could not see anywhere in the prospectus where there is a "maximum investment" or any such language. So...
by MisterBill
Thu Sep 08, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

I still own some FSGDX in my taxable account and on a daily basis, the daily gain/loss between the two is pretty similar, so I don't see the cash percentage being an issue. Perhaps it was just a matter of ramp-up and a snapshot on a given day? I wonder if there is any way to get an answer about this...
by MisterBill
Tue Sep 06, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

Morningstar hasn't yet classified it,and even vanguard's portfolio analysis tool says I have a large % of unclassified shares. Does it show a category/classification now? I noticed the Morningstar page is different now: m It does show Category: Foreign Large Blend, but I think it has had that for a...
by MisterBill
Wed Jun 29, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

Thanks. Just put my exchange order in. Thanks for using the word "exchange". I was trying to figure out how to do this, and had actually done a live chat with Fidelity and they told me that I needed to sell and wait to find out what the proceeds were before putting in the buy order. Turns...
by MisterBill
Wed Jun 29, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

I suspect that the wiki post here suggesting which funds to use should be changed to reference the new fund. Also part of the announcement is that Fidelity has lowered their expense ratio on many of their index funds such that they are equal to or even better than Vanguard (there is a separate post...
by MisterBill
Wed Jun 29, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17578

Re: Switching to Fidelity's new Total International Index (includes small cap!)

I'm also glad to see this thread. I actually was trying to create one yesterday but could not remember my password for the site . I have FSGDX in both taxable and retirement accounts. I guess I will switch the retirement accounts now but the holdings in my taxable account are still short term gains ...
by MisterBill
Sun Mar 20, 2016 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

Of course. But do you need the cost of the chauffeur? You are going to get to about the same place anyway whether at Fidelity, Schwab or PC. Is having an advisor really worth it? The cost will slow you down... It's something I'll hopefully find out. In theory there is some value in using the robo-a...
by MisterBill
Sun Mar 20, 2016 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

I do have some other money at Fidelity in the 3-fund approach (which I don't plan to transfer to PC) so I'll be able to compare it to what I get at Personal Capital. Your Fidelity account may be best approach. Time will tell. I was intrigued enough by PC to give them a try and it convinced me to cl...
by MisterBill
Sun Mar 20, 2016 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

Would you incur another round of capital taxes if you decide to ditch PC after 3 months free trial? Well, I had losses in my MS account so I'm not incurring any taxes on the move to PC. If I choose to liquidate if/when I transfer out, then I guess I would have to deal with the capital gains (short ...
by MisterBill
Sat Mar 19, 2016 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

It boils down to what you want out of a service, both in effect will allow you to invest worry-free, and time will tell which strategy delivers better total returns, but if you have no need to speak with a professional (fiduciary!) then Wealthfront may be the better option. It seems the other robo'...
by MisterBill
Sun Jan 17, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Liquidated to transfer accounts, should I wait to get back in?
Replies: 17
Views: 1408

Re: Liquidated to transfer accounts, should I wait to get back in?

What the others said. However, in addition, you sound like your AA might be too aggressive. Might be a time to re-think your AA. Thanks for the reply, but where did I say anything about the AA that you would infer that it was too aggressive? I still haven't gotten back in, will probably do so on Tu...
by MisterBill
Tue Jan 12, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidated to transfer accounts, should I wait to get back in?
Replies: 17
Views: 1408

Re: Liquidated to transfer accounts, should I wait to get back in?

Jack FFR1846 wrote:Buy right now. It's still going to take a few days for Fido to get the money invested. I put money into my Roth and it JUST showed in my total US Stock fund. I transferred a week ago.

The cash is sitting in my Fidelity accounts, so wouldn't any purchases I make be immediate?
by MisterBill
Tue Jan 12, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Liquidated to transfer accounts, should I wait to get back in?
Replies: 17
Views: 1408

Liquidated to transfer accounts, should I wait to get back in?

I liquidated my managed accounts at TIAA at the end of December and moved the money to Fidelity to try the 3 fund approach advocated here. I actually got lucky and because I wanted to make a clean break, I decided to sell everything rather than transfer the portions that could move (some funds could...
by MisterBill
Fri Dec 25, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Fund Selection
Replies: 10
Views: 1230

Re: HSA Fund Selection

While you shouldn't plan to convert the HSA to an IRA, you should invest the HSA as if it were part of your IRA, as the HSA and IRA will combine to cover your expenses in retirement. Agreed. I had an HSA for the first time this year and I maxed out the contribution, incuding the extra $1k for mysel...
by MisterBill
Fri Dec 25, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: HSA Fund Selection
Replies: 10
Views: 1230

Re: HSA Fund Selection

MisterBill, Welcome! The wiki has some background info: Health savings account , which includes a discussion of rollovers/transfers. Thanks for the link (and welcome), but that only mentions transfers from an IRA into an HSA, not the reverse. I'm still confused why you'd want to move it into someth...
by MisterBill
Thu Dec 24, 2015 7:13 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF Wealth Management Advisors
Replies: 12
Views: 3654

Re: TIAA-CREF Wealth Management Advisors

Get your assets out. This is a waste of money. Do not switch to a full service broker. Do not switch to a robo. Someone has convinced you that you need a third party to manage your money. You don't. Thanks. You're right, I need to get out. I will look into moving everything to Fidelity since I alre...
by MisterBill
Thu Dec 24, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

Ok, then mentally remove "customer" from my post above if that helps. Either way, their support stinks. I sent them email about errors they made showing my TIAA-CREF 403(b) (some investments wrong, some with the wrong amount) and they haven't gotten back to me. Granted it's only been a fe...
by MisterBill
Thu Dec 24, 2015 3:54 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF Wealth Management Advisors
Replies: 12
Views: 3654

Re: TIAA-CREF Wealth Management Advisors

I am thrilled to find this thread. I've been with TIAA-CREF WMA for 3 years now. I worked for a university many years ago and still have a reasonable size 403(b) with them so they got my name. I wasn't happy where I was and the guy I spoke to seemed reasonable, so I switched. I am not happy and am w...
by MisterBill
Thu Dec 24, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7998

Re: Personal Capital

I am considering them along with the other robo-investor firms. Has anyone figured out why PC charges much more of a service charge than the other robo firms? 0.89% for the first $1m is very high compared to Wealthfront (0.25%) and FutureAdvisor (0.5%). Do they do anything that makes them worth the ...
by MisterBill
Thu Dec 24, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Fund Selection
Replies: 10
Views: 1230

Re: HSA Fund Selection

I am confused why you would convert the HSA into an IRA on retirement. If you do that, doesn't it become taxable when withdrawn, even if used for healthcare expenses? The great thing about an HSA (or at least I thought it was) is that you don't pay taxes on it if you withdraw and spend it on healthc...