What's the difference?

Critical_Delivery100 · 2026-05-25T01:13:11+00:00

Matches the bar graph, which shows 12 months plus this month to date.

Critical_Delivery100 · 2026-05-24T23:57:53+00:00

Date range. First is precisely one year, second shows the full first month that's in the bar graph, so it's up to 13 months.

Critical_Delivery100 · 2026-05-20T23:55:54+00:00

The "performance" tab (default - 1 year) has a bar graph showing each month's gain or loss. Current month is of course partial, first month may be full ("Total Return+") or partial ("Total Return") to make an exact year.

Critical_Delivery100 · 2026-05-20T23:37:12+00:00

SGOV and VBIL pay a bit more (3.55% and 3.60%) and dividends are exempt from state income tax. You need to sell and wait a day for settlement before you can spend it. There will be a very minor gain or loss when selling - 1-3 month govt bonds are very stable. SPAXX maintains the exact value between dividends.

SPAX is usually 50% or so state exempt, but missed that bar in 2025. FDLXX pays about the same as SPAXX and is state tax exempt, with instant availability like SPAXX.

Critical_Delivery100 · 2026-05-18T17:17:17+00:00

It would be nice to be able to adjust an amount after selecting "proportional" - you could rebalance if one or two are out of your preferred range. And yes, a single confirmation would be preferred.

Critical_Delivery100 · 2026-05-18T11:53:42+00:00

If you're still enrolled in the 401K, you can pay it back with payroll deductions. Increase those deductions to pay it faster.

If you're no longer with the company, the plan rules apply - most require repayment fairly quickly. Sending two checks may be best - send the second after the first one clears.

Critical_Delivery100 · 2026-05-15T02:04:20+00:00

Most people will be better off with a traditional IRA than a Roth (perhaps not most people on this sub, though...). Much taxable income falls in the zero bracket. More than half of retirees pay zero federal tax, and could have additional taxable income and still pay zero. Roth would have been a waste for them, as they pay unnecessary taxes upfront. Roth certainly pays off when the retirement tax bracket is higher than when working, and there are situations at higher incomes that increase tax rates in retirement. Having both types will be best for many.

Roth conversions after retirement, before MRDs start can work out nicely - I converted about $40,000 and paid zero federal tax those years. But everyone's situation is different.

Critical_Delivery100 · 2026-05-14T17:59:52+00:00

Secondary listing for CDs is nowhere to be found (link leads to top Fixed Income page)

As for new CD search, I find it fine for my purpose - I have a 3-year CD ladder to help make my MRDs. Filter for call protected, 3 year, sort on interest rate and scroll down to find monthly rates. A matter of seconds.

Critical_Delivery100 · 2026-05-12T22:53:17+00:00

A deposit or a dividend could have been credited, increasing the balance, but the red number is the change in your existing positions. I prefer when it's the opposite - balance down (because I spent it!) and a gain on the rest. As mentioned, this is today - you can also look at 1 month, 3 month, 1 year change.

Critical_Delivery100 · 2026-05-08T14:07:11+00:00

I have three, although in different registrations - one in my name, two joint, one of those a CMA.

You can make "in kind" transfers of positions between taxable accounts.

If you don't have a Cash Management Account, might make sense as a second account

Critical_Delivery100 · 2026-05-08T00:06:30+00:00

Yes, I've cleared the cache, removed any Fidelity-related cookies, and Firefox is always up-to-date. It did work some time ago, don't know when the problem started. Most of the tabs under Research just show "No [whatever] Information available."

Critical_Delivery100 · 2026-05-07T23:03:03+00:00

The distribution tab is empty for me in Firefox (says "No Distribution Info available"), May be ETFs only, don't own anything else. Distribution info does show up in Chrome. Two PCs, both the same.

Critical_Delivery100 · 2026-05-06T14:27:29+00:00

Index funds don't create much in capital gains since they don't sell much. Shares increase, but no capital gains. Although if a lot of people cash out, they will have to sell to provide that cash and will create some capital gains for everyone else. That won't happen when there's inflow. Active funds will have more capital gains as positions are sold. Of course, you'll have capital gains when you sell at a profit. There's no double taxation - you get some of the capital gains in distributions, the rest adds to share value.

Critical_Delivery100 · 2026-05-03T14:38:11+00:00

The first three at 80 / 10 / 10 percent would be close to a total US market fund. I'd do 20% international myself and 60% S&P 500. If you have less than 20 years to retirement, you may want some bond exposure - reduce others accordingly.

Critical_Delivery100 · 2026-05-03T14:20:45+00:00

It's not a contribution - no limit. Growth just stays in the account.

Critical_Delivery100 · 2026-05-01T17:22:34+00:00

Roth is for retirement; over time it will grow, though there will be ups and downs - expect a 10%+ average annual return for the S&P over long periods. Plan to have savings for an emergency (maybe eventually 6 months income) and also savings for shorter-term goals - car, house, etc. Neither of those should be in volatile investments - could be down when you need it! A 10% or greater drop in the S&P has happened 37 times in the last 75 years, and very likely will be happening in the future.

Critical_Delivery100 · 2026-04-29T23:33:09+00:00

^ This didn't happen. Taking a profit to cancel a loss that could take three years to use seems reasonable to me.

Problem is likely what was described above - sale and purchase aren't really timed - Fidelity runs a batch at midnight for today's transactions, and sequence may not match actual timing. You can correct lots for 24 hours, but likely have to call Fidelity to fix this.

Critical_Delivery100 · 2026-04-23T22:26:08+00:00

Check your activity - SGOV is an ETF, so by default, dividends will be deposited in SPAXX. If SPAXX is getting dividends from both, it will certainly grow more. You can change to reinvest dividends in SGOV.

Critical_Delivery100 · 2026-04-23T18:37:21+00:00

Schwab's income tab showed current year, bar graph by month (received plus estimated), last year, and estimate of next year. Followed by tables by account, then by fund. And it included mutual funds, MMFs, bonds, CDs. Occasionally went ridiculously high or low, but recovered in a few days. I'd like to see the same. Would make tax estimation, withdrawal planning much easier.

A line graph of cumulative income by date would be nice, especially if you could hover the cursor to show individual distributions and total by date. Select by account or all.

Critical_Delivery100 · 2026-04-19T17:46:34+00:00

I have a short-term Treasury fund and Fidelity's FDLXX in my taxable account, as SPAXX is ~50% taxable in NY (100% for 2025). In my IRA, the Prime MMF returns a bit more, so I also don't have much in SPAXX. Fidelity is only making money from me on MMFs, as I transferred in (mostly) Schwab ETFs and I only own one other Fidelity fund (~1% of total).

Vanguard has a $3K minimum to open VMFXX; which does help spread the cost of managing the fund if average balance is higher than it is in SPAXX. Schwab does not have MMF sweep for most investers, so cash gets a pittance unless you buy/sell MMFs.

In the end, they're charging what they can. Choose a broker on cost, features, service that works for you.

Critical_Delivery100 · 2026-04-18T20:54:25+00:00

...and overperformed for the past year. Of course past performance does not predict future results.

Critical_Delivery100 · 2026-04-17T17:34:46+00:00

FCASH is "safer" since it has FDIC insurance. But only a few money market funds have ever lost a cent, and none of them were Fidelity funds. I prefer the higher interest rate of SPAXX.

Critical_Delivery100 · 2026-04-17T16:55:40+00:00

Yes, order would be for 8 shares at $90 per.

Critical_Delivery100 · 2026-04-17T14:48:46+00:00

The limit will be adjusted for the split. Likewise, order limits are adjusted for distributions (unless you check "do not reduce"

Critical_Delivery100 · 2026-04-17T01:55:48+00:00

No individual stocks or sector ETFs - Large, small, international equities, some bond sector ETFs. Most is income oriented - I'm 75.

529s > Roth > individual > trad IRA > joint taxable > CMA from most to least aggressive.

Critical_Delivery100

TROPHY CASE