Search found 569 matches

by foglifter
Thu Dec 20, 2018 11:25 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 76
Views: 21007

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: 21007

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: 21007

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: 21007

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: 21007

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: 21007

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: 21007

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: 21007

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"...
by foglifter
Thu Sep 06, 2018 11:59 pm
Forum: Stocks
Topic: International allocation
Replies: 2
Views: 890

Re: International allocation

SCHF and VWO And I think you can reduce your gold holdings if you own unhedged ex-US stocks, as the currency differential acts similarly to gold as a USD hedge. Interesting, so I guess a one-fund option in this case would be something like VEU. BTW thanks for mentioning the reduced gold portion, I ...
by foglifter
Thu Sep 06, 2018 3:17 pm
Forum: Stocks
Topic: International allocation
Replies: 2
Views: 890

International allocation

This post is about US-based PP, so "international" means ex-US equities. The question of adding foreign stocks into PP was discussed many times and I don't want to resurrect the beast again. Let's assume we decided that we want to add some international exposure. Now, given high correlations in the ...
by foglifter
Wed Aug 15, 2018 2:40 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 2203
Views: 349431

Re: The GOLD scream room

I'm sorry if my question sounds dumb... can someone please explain what the heck is going on with gold? Multiple currencies are falling, equities are down, dollar is up, but why is gold dropping? Is gold still working as it's supposed to in HBPP?
by foglifter
Mon Aug 06, 2018 7:31 pm
Forum: Gold
Topic: IAU is now commission-free at Fidelity
Replies: 18
Views: 1842

IAU is now commission-free at Fidelity

Fidelity's recent big move included an icing on the cake that hasn't gotten the same level of publicity as their new zero-fee funds - the dramatic expansion of the list of commission-free ETFs. They bumped it up to 240 from 70.

And here's the good news for PP investors: IAU is on the list. :D