Search found 579 matches

by foglifter
Sat Nov 16, 2019 12:43 am
Forum: Permanent Portfolio Discussion
Topic: Question for original forum members
Replies: 47
Views: 12969

Re: Question for original forum members

This is dangerous to me, finding out about Employee Fiduciary above! Recently I wrote about my efforts in trying to come up with a retirement plan for our organization. On Monday I sent out a huge amount of information to our staff and yesterday we discussed it somewhat with a committee of four now...
by foglifter
Thu Nov 14, 2019 7:39 pm
Forum: Permanent Portfolio Discussion
Topic: Question for original forum members
Replies: 47
Views: 12969

Re: Question for original forum members

This is dangerous to me, finding out about Employee Fiduciary above! Recently I wrote about my efforts in trying to come up with a retirement plan for our organization. On Monday I sent out a huge amount of information to our staff and yesterday we discussed it somewhat with a committee of four now...
by foglifter
Wed Oct 30, 2019 5:06 pm
Forum: Permanent Portfolio Discussion
Topic: What is your current portfolio?
Replies: 33
Views: 3609

Re: What is your current portfolio?

I started PP in 2010, first it was all in PRPFX, then I moved to the classic PP, but eventually ended up with with a modified cashless version of GB:

25% FZROX
15% IJR
5% SCZ
5% DGS
30% FNBGX + individual LTTs
20% SGOL
by foglifter
Tue Oct 22, 2019 12:49 pm
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 60
Views: 14324

Re: Stock and ETF brokerage costs plunge

Now what you can do at Fido is 'exchange' one mutual fund for another simultaneously and automatically always at the close. SInce they now have several ZERO expense ratio funds and plenty of super-low ER ones as well, maybe that would work better for you? Yes, this is a neat feature at Fido. Just n...
by foglifter
Tue Oct 22, 2019 11:50 am
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 60
Views: 14324

Re: Stock and ETF brokerage costs plunge

Now what you can do at Fido is 'exchange' one mutual fund for another simultaneously and automatically always at the close. SInce they now have several ZERO expense ratio funds and plenty of super-low ER ones as well, maybe that would work better for you? Yes, this is a neat feature at Fido. Just n...
by foglifter
Tue Oct 22, 2019 11:47 am
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 60
Views: 14324

Re: Stock and ETF brokerage costs plunge

i have what is called a limited margin account at fidelity on my ira . Limited margin---------- Allows you to trade on unsettled funds and trade without triggering trading restrictions, such as good faith violations, in an IRA1 From my experience FIdelity allows trading with unsettled funds in regu...
by foglifter
Wed Mar 20, 2019 2:45 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 14
Views: 1992

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: 1992

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: 1992

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: 1992

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: 88
Views: 33670

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: 88
Views: 33670

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...