Search found 1964 matches
- Wed Oct 30, 2024 12:11 pm
- Forum: Other Discussions
- Topic: Fidelity Investments having issues
- Replies: 10
- Views: 1628
Re: Fidelity Investments having issues
Fidelity's platform has been subject to glitches and inefficiencies for years. But, they're still the best game in town as an investment bank. I haven't tried Schwab, but I've seen plenty of complaints about their services on various forums including this one. Mostly about key things you can't do th...
- Sat Apr 20, 2024 10:01 am
- Forum: Stocks
- Topic: Fidelity direct indexing and small cap value
- Replies: 12
- Views: 13142
Re: Fidelity direct indexing and small cap value
Huh, I just looked it up - and Fidelity does have a robo-investing service! The catch is that the fee is 0.35% except the first $25,000. That's pretty stiff for a DIY stock fund. I think I'll pass.
- Sat Apr 20, 2024 9:58 am
- Forum: Stocks
- Topic: Fidelity direct indexing and small cap value
- Replies: 12
- Views: 13142
Re: Fidelity direct indexing and small cap value
Buying and managing a basket of stocks to keep them balanced is definitely a hassle. There are certainly benefits especially if you're high income, because you can selectively tax loss harvest and better control when you take capital gains. But, you need to buy at least 20 stocks if you want to trac...
- Tue Apr 16, 2024 6:27 pm
- Forum: Stocks
- Topic: Fidelity direct indexing and small cap value
- Replies: 12
- Views: 13142
Re: Fidelity direct indexing and small cap value
Hey I didn't know about AVUV, thanks for mentioning! It looks like FISVX (Fidelity's small cap value mutual fund) is lagging it quite significantly, and it gets worse and worse over time.
What is everyone's favorite small cap value investment???
What is everyone's favorite small cap value investment???
- Tue Apr 02, 2024 7:59 pm
- Forum: Gold
- Topic: Why the big move in gold?
- Replies: 95
- Views: 115436
Re: Why the big move in gold?
Whoah!! Almost 2300. I have the same question as the title of this thread....is this because people think the Middle East situation is spinning out of control? Or that some kind of economic apocalypse is being predicted and I just haven't noticed? Or, do we indeed have inflation, it's just not refle...
- Sun Mar 03, 2024 8:26 pm
- Forum: Cash
- Topic: Placement of cash (vs other PP assets)
- Replies: 17
- Views: 11687
Re: Placement of cash (vs other PP assets)
Some interesting ideas, responses here: I bond swapping: One piece of sage advice for those of you who are POA's for elderly family members: be very careful about making creative financial moves with the person's money. POA's can and often are sued by other heirs if they suspect you might have playe...
- Wed Feb 28, 2024 4:59 pm
- Forum: Cash
- Topic: Placement of cash (vs other PP assets)
- Replies: 17
- Views: 11687
Re: Placement of cash (vs other PP assets)
Cash: looks like these high interest rates aren’t going to last anyway. You may be right - but it's so thorny trying to predict the future. Actually you ARE right given a long enough time horizon. How long? Who knows! It's probably a good idea to make sure anything you do is reversible in case we e...
- Wed Feb 28, 2024 10:25 am
- Forum: Gold
- Topic: Gold Storage
- Replies: 6
- Views: 4986
Re: Placement of cash (vs other PP assets)
I got out of Perth Mint. Too many red flags going up. Could you please elaborate on this? Is this because of FATCA/other US tax problems or a more fundamental issue? two issues. One was their stated policy on cyberattacks, which is that if a thief broke into your account and claimed part or all of ...
- Sun Feb 25, 2024 6:14 pm
- Forum: Cash
- Topic: Placement of cash (vs other PP assets)
- Replies: 17
- Views: 11687
Re: Placement of cash (vs other PP assets)
Oh well - first world problems eh dualstow???
I got out of Perth Mint. Too many red flags going up. The TBD is working out beautifully and I don't need to deal with FATCA. Cost is minimal and I get to buy gold bars instead of coins.
I got out of Perth Mint. Too many red flags going up. The TBD is working out beautifully and I don't need to deal with FATCA. Cost is minimal and I get to buy gold bars instead of coins.
- Sun Feb 25, 2024 11:11 am
- Forum: Cash
- Topic: Placement of cash (vs other PP assets)
- Replies: 17
- Views: 11687
Placement of cash (vs other PP assets)
Hey all, I got an interesting question from one of the forum members and thought I'd answer it with a new thread. If only because I don't necessary have the best answers and it's certainly a topic ripe for discussion. Like everyone else, I loaded up on cash in my taxable accounts and my Roth account...
- Fri Nov 17, 2023 3:00 pm
- Forum: Cash
- Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
- Replies: 24
- Views: 53197
Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
The writer of Tipswatch usually makes a prediction after the CPI figures are released - about 2 weeks in advance of the official announcement date of November or May 1. The variable rate is completely determined by the CPI so that figure will be precisely known, but the fixed rate is only an educate...
- Thu Nov 16, 2023 11:24 am
- Forum: Cash
- Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
- Replies: 24
- Views: 53197
Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Yeah, good idea....if the fixed rate is going up in April it would be worth waiting.
- Thu Nov 16, 2023 11:21 am
- Forum: Gold
- Topic: High cost gold depositories are you giving your gold away
- Replies: 13
- Views: 23526
Re: High cost gold depositories are you giving your gold away
What's wrong with 0.5% storage fee for segregated gold storage? That's a great price, as usually segregated storage is more like 1% or even more. And remember it includes insurance. Coincidentally that's what Texas Bullion Depository charges. There's only 2 ways to beat this price. One is to invest ...
- Sat Nov 04, 2023 11:35 am
- Forum: Cash
- Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
- Replies: 24
- Views: 53197
Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
1.3% fixed? Nice! Should be higher though....I thought it was supposed to be tied to the 5 year treasury yield, which is 5%-ish. I'll be buying my annual $10K aliquot in January. (and yes...I basically regard the savings bonds as a non-deductible IRA equivalent, holding only cash. Neat.) The fun dec...
- Mon Oct 16, 2023 10:53 am
- Forum: Permanent Portfolio Discussion
- Topic: tax-loss harvesting question
- Replies: 16
- Views: 34470
Re: tax-loss harvesting question
Not sure I understand your question. Yes there is a bid-ask spread when you buy individual bonds, but if you do it infrequently enough, that cost is less than the expenses you would pay for owning shares in a bond fund. If you're selling bonds to tax loss harvest you will either want to immediately ...
- Thu Oct 12, 2023 11:47 am
- Forum: Permanent Portfolio Discussion
- Topic: tax-loss harvesting question
- Replies: 16
- Views: 34470
Re: tax-loss harvesting question
I had looked that info up the last time I tax loss harvested long bonds. As long as the years are different (e.g. sell a bond maturing in 25 years and replacing with a bond maturing at 30 years) those are considered different investments. If you're selling a bond FUND though, and intend to buy bonds...
- Sun Sep 17, 2023 10:11 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
Boglerdude, can I quote you on that??? I'm writing an op-ed to submit to the NY Times about this. I've had it. No more Ms. Nice Guy. I've got other places to send it if the NY Times refuses. I had come to that same realization. One of my statements in the op-ed piece is that the term "memory di...
- Wed Sep 13, 2023 4:15 pm
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
Thanks for those insights, Seajay! I will say that the finances of placing a dementia patient in the UK are FAR nicer than what we've got here, which is a big fat goose egg from the government, and prices that will make your eyes bug out. I researched care facilities in my area, because I finally hi...
- Wed Aug 30, 2023 12:37 pm
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
Thank you Seajay that's very kind!! My sister and I were wondering who will take care of us in our old age. The next generation just doesn't have that same sense of responsibility and dedication to family that was imbued into us when we were growing up. My point about the ladders wasn't about yield,...
- Wed Aug 23, 2023 11:14 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
I guess when you're retired, buying T bills yourself could be a form of useful entertainment! I'm too busy right now though. I had a long talk with my sister last night about another aunt in her 80s who (oddly enough) doesn't have dementia, but still needs a lot of help managing her finances & m...
- Wed Aug 16, 2023 10:21 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
Sounds good Barrett! Letting the ladders run down is a good escape hatch. And...sounds like you have a fee-only advisor already - ask if they'd be willing to handle financial management & transactions? If so, your wife could always arrange for that if needed when the time comes. An aside - I've ...
- Fri Aug 11, 2023 9:46 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
Still think the ladders are too complicated, Barrett - what you said about your wife not being able to handle it without you kinda says it all. I can tell you that being a DPOA means you are managing TWO sets of finances and taxes, yours and the person you're caring for. I consider myself pretty inv...
- Sat Aug 05, 2023 10:32 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 60525
Re: What happens to I-bonds if rates plummet again
There's nothing wrong with simplification, especially if it means your DPOA will have an easier time managing your finances after you're no longer able to do so. This is a different issue from the idea of maximizing interest though. Keep in mind that T bills will also require some managing, so you m...
- Mon Jul 17, 2023 3:00 pm
- Forum: Bonds
- Topic: What to do with a Low-Yielding 30-Year Bond
- Replies: 31
- Views: 38457
Re: What to do with a Low-Yielding 30-Year Bond
FWIW...I've been struggling with a similar problem. I know intellectually that when the stock market tanks, long bonds will shoot up due to a "flight to safety". The problem is...I'm not sure that's happening anymore. That whole idea depended on the US being the sole world reserve currency...
- Mon Jul 17, 2023 2:33 pm
- Forum: Cash
- Topic: New I-Bond Rate for 5/1/23 to 10/31/23
- Replies: 33
- Views: 31132
Re: New I-Bond Rate for 5/1/23 to 10/31/23
I Bonds are like the tiger you keep in a cage for those times when they give you an enormous payback - like the past couple of years. Because, it takes years to build up a good stash of them. Prior to that though, they were quite competitive with T Bills or even bank savings accounts. I don't know i...