Gyroscopic Investing

Curious to hear input regarding -

What 4x4 ETF Suggestions for a Fidelity Account?

What 4x4 ETF Suggestions for an Etrade Account?

4x4 wrote: Curious to hear input regarding -

What 4x4 ETF Suggestions for a Fidelity Account?

What 4x4 ETF Suggestions for an Etrade Account?

You would be better off with Schwab.  You can do all of the PP with 100% commission-free ETF's.

I use Fidelity, 3 of the 4 fund can be bought commission free:

ITOT total stock market
TLT bonds
IAU gold
SHY cash

MG,

Thanks for your response.  There are reasons, i.e. the person I am sharing advice with, their employers choice, etc, that recommendations towards Fidelity, Etrade, and Well's Fargo Advisors (would be another third option, but suspected they would be fee heavy.)

I essentially need advice on both a taxable and retirement 4x4 for Etrade and Fidelity, possibly Wells if there is some advantage, doubtful.


Etrade is the most straight forward in terms of use and software imho/experience of the three.  It has PERM as a free ETF, but I would prefer ETF 4x4 recommendations.

Free Etrade ETFs
https://us.etrade.com/e/t/estation/pric ... 1204000003

For Example Etrade Taxed could be, obvious disadvantage would be ishares heavy, other than this, any other better choices?
VTI
TLT
SHY
IAU

For Fidelity, I know there are fidelity options, not sure if the forum consensus would consider that too much in one basket?  It would be only one a portion of total portfolio at this point. 

Free ETFs @ Fidelity link


Can anyone explain ETF, Mutual Fund, Advantage Class Shares relationship and "decode" their tickers? We met w/ the Fidelity Rep... 


Mutual Fund Options (From the Book - Investor Class, can Hold Advantage class as second section below)
FSTMX - Fidelity Total Stock Market
FSTMX - Fidelity Spartan Treasury Long Term
FDLXX - Fidelity Treasury Money Market
IAU - iShares Gold ETF

MUTUAL FUND Fidelity Stock Options would be, are there ETF Versions available?
FSEVX Spartan Extended Market Index Fund Advantage Class US MID CAP Stocks Exp Ratio 0.7%
FUSVX Spartan 500 Index Fund Advantage Class US LARGE CAP Stocks Exp Ratio Gross 0.07%, Net 0.05%
(which gross or net does forum usually refer too?)

Variable Portfolio Mutual Fund Options-
FSIVX Spartan International Index Fund Advantage Class Total Return Foreign Markets Exp Ratio 0.17% 0.12%
FSCRX Fidelity Small Cap Discovery Fund Small Cap Exp 1.01%


My Thought for Fidelity might be a Mix of ETF and MF


VTI - Free ETF iShares
SHY - Free ETF iShares

I am assuming with Schwab recommendations would be -
* VTI  25%
* SHY  25%
* TLT  25%
* SGOL 5%?


Thank you for sharing your thoughts and experience!

4x4

TPG -- Modified so that one of your links wasn't a bazillion characters long

Ozzy,

Thanks for your response, say Hi to Sharon for me

ozzy wrote: I use Fidelity, 3 of the 4 fund can be bought commission free:

ITOT total stock market
TLT bonds
IAU gold
SHY cash

I read the fine print, as below,

"Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs in a Fidelity brokerage account. Fidelity accounts may require minimum balances. The sale of ETFs is subject to an activity assessment fee (of between $0.01 to $0.03 per $1,000 of principal). iShares ETFs and Fidelity ETFs are subject to a short-term trading fee by Fidelity if held less than 30 days."

Thoughts?

(Edited due to calculation mistake)

No need to sell under 30 days.
My reading of the verbiage was that is would encore a selling fee of $0.03 per $1,000 value sold at any time.  However, I think I made a decimal point error when calculating the impact on a trade, thanks for correcting me!

Please note that we will not be able to open accounts for customers outside of the United States and the Asia Pacific region.  Applications from outside of these areas will not be accepted.


for both Fidelity and E-trade

MachineGhost, which long term bond ETF is commission free at Schwab??? I am with Schwab, must have missed it.

SCHB, SCHO, SGOL stocks, ST bond SHY equiv., gold are commission free at Schwab

MachineGhost wrote:

4x4 wrote: Curious to hear input regarding -

What 4x4 ETF Suggestions for a Fidelity Account?

What 4x4 ETF Suggestions for an Etrade Account?

You would be better off with Schwab.  You can do all of the PP with 100% commission-free ETF's.

Keep in mind that you can easily own individual treasuries as well. With Fidelity (and probably most other companies) they are easy to buy, hold and sell. The only issue I have had with Fidelity is that they do not let an investor open a Solo 401(k) Roth so those accounts have to be held elsewhere. But this is only relevant if you are self employed.

I don't recommend buying individual bonds through Schwab. Last I checked, they charge you $75 to sell them.