Search found 573 matches

by foglifter
Wed Mar 20, 2019 2:45 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 14
Views: 1274

Re: FNBGX vs. individual bonds at Fidelity

Thank you all, this was a great discussion. Very helpful!
:D
by foglifter
Mon Mar 18, 2019 7:48 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 14
Views: 1274

Re: FNBGX vs. individual bonds at Fidelity

The only drawback is that you can only take part in auction 1x per month for 30 year treasuries at the moment. It looks like the next round is April 4th. But you can also purchase 30 treasuries via trade any day. I was curious: how efficient/liquid is the Treasuries market? Do I need to worry about...
by foglifter
Mon Mar 18, 2019 7:40 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 14
Views: 1274

Re: FNBGX vs. individual bonds at Fidelity

What would really be nice at Fidelity, would be a treasury money market with less than a .4% fee :o Yeah, Fidelity's MM fund ERs are high. I'm currently using FDLXX (Treasury only MM) in both taxable and HSA (and for California my HSA account is taxable >:( ). The yield is comparable to Ally's 2.20...
by foglifter
Mon Mar 18, 2019 1:34 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 14
Views: 1274

FNBGX vs. individual bonds at Fidelity

I didn't want to inject my newbie questions into the great thread about purchasing bonds at Fidelity started by pmward. I need to invest a 5-figure chunk of money I recently transferred from TDA to my new shiny Fidelity HSA account. My goal is to buy LTTs and my first thought was to go with FNBGX, w...
by foglifter
Thu Dec 20, 2018 11:25 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

LIVELY FIGHTS BACK HSA now no-fee for individuals and families https://www.businesswire.com/news/home/20181220005189/en/Lively-Drops-Investment-Fees-Offers-No-Fee-Health Yay! Thanks ochotona! I just received an email from Lively. They surely picked the right time go give it a good publicity. I stil...
by foglifter
Thu Dec 13, 2018 12:04 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

Wow, this is important to look into. A quick check of the website reveals two things: 1) there's a fee of $12/quarter and not clear whether this applies to individual accounts, The fee only applies to employer-sponsored accounts: If you have a Fidelity HSA through your employer , your account may b...
by foglifter
Wed Dec 12, 2018 4:23 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

Is there any particular reason for the wait? Lively charges $25 closing fee if the account was opened less than a year ago. Interesting, thanks for the heads up. That is not listed in their fee schedule as far as I could tell. I guess I will have to wait until April as well. If you go to Documents ...
by foglifter
Tue Dec 11, 2018 6:35 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

pugchief wrote:
Tue Dec 11, 2018 4:12 pm
foglifter wrote:
Tue Dec 11, 2018 2:57 pm
I'm waiting for 1-year anniversary of my Lively account to start the transfer process.
Is there any particular reason for the wait?
Lively charges $25 closing fee if the account was opened less than a year ago.
by foglifter
Tue Dec 11, 2018 2:57 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

There's a long thread on Fidelity HSA on BH forum: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=263661&start=500 Sounds like the exodus from Lively, HSA Bank and other custodians is under way. Annoying part is lack of consistency in the responses people receive from different Fido reps rega...
by foglifter
Sun Oct 28, 2018 4:46 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

It's important to remember that, like with IRAs, one can have multiple HSA accounts. I consider my Lively HSA as my "main" account and I only use the employer-provided HSA as a temporary location to move payroll contributions in a tax-friendly manner. The money in the employer account usually earns ...
by foglifter
Sat Oct 27, 2018 1:50 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

It's a small firm I'm going to, and I can talk to the owner about it, I'm sure he wants to get wealthier also. Sophie is right, I came to the same conclusions over and over again. I'm in a small firm as well and they even asked me to do a presentation on HSAs since I was the only one with a substan...
by foglifter
Sat Oct 27, 2018 12:42 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 24915

Re: The Lively HSA

ochotona wrote:
Fri Oct 26, 2018 7:39 pm
I had a change of employers... looks like the new employer offers an FSA, but no HSA! Darn it!
Are you sure? These days almost everyone offers HDHP plans. Sometimes plan names include something like "HDHP" or "HSA compatible"...