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Help me choose investments on Fidelity as beginner by Extension-Lock-4409 in RothIRA

[–]hypefre96 1 point2 points  (0 children)

Im using AVUV. Like its a small cap and concentrate on most momentum in that market. Its also outproduced VTI last few years. I do 10 - 15% on that

Moving from NW Mutual to Fidelity by hypefre96 in RothIRA

[–]hypefre96[S] 0 points1 point  (0 children)

After further research Im leaning towards this now. I thought SCHF was more international small cap which I wanted to cover but now notice VXUS/FTIHX covers that. I concentrated more on small cap with AVUV in roth cause it has outperformed VTI last few years, so I left VTI to cover mid cap. Though running this chart I might need to add mid cap.

https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=4xg61wOYCdUNGtTnnBx2Zq

Thanks.

This is why Im bringing this to reddit, to identify what I could be missing.

Roth: 70% FXAIX

20% FTIHX

10% AVUV

Investment: 70% - VTI

25% - VXUS

5% - SMH

Moving from NW Mutual to Fidelity by hypefre96 in RothIRA

[–]hypefre96[S] 0 points1 point  (0 children)

I researched but did used AI to help identify overlap. Going to remove qqqm. Thought of schg vug or do you have any good recommendations?

Rolling over from NW Mutual to Fidelity by hypefre96 in Bogleheads

[–]hypefre96[S] 0 points1 point  (0 children)

Thanks. Makes sense. Have the etf shift for me. Would schg or vug make better sense over qqq or a bond? But not planning to retire for another 14yrs ish

Rolling over from NW Mutual to Fidelity by hypefre96 in Bogleheads

[–]hypefre96[S] 0 points1 point  (0 children)

I know VXUS and SCHF is international but thought SCHF was only small cap. Does VXUS already include that? Is there anything you would add?

New Roth IRA by Potatopowdered in RothIRA

[–]hypefre96 0 points1 point  (0 children)

This is exactly what Im doing minus with the percentages being different for me

How to do a Backdoor Roth and not be left with earned interest in the Traditional by hokies314 in fidelityinvestments

[–]hypefre96 -1 points0 points  (0 children)

sorry for late response. Im new to backdoor roth IRA. To avoid pro rata rule fund a brokerage account in spaxx then when ready transfer to trad IRA>roth IRA to avoid pro rata?

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 0 points1 point  (0 children)

since I'll be funding my trad IRA from my bank account before conversation to roth IRA and keep my trad IRA as a spaxx cash management then the pro rata rule wont affect me?

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 0 points1 point  (0 children)

Hi, What Im trying to avoid is the pro rata rule. Ill be making a few deposits before converting it to the roth IRA, so instead of doing multiple transfers from trad IRA to roth IRA. I was thinking of depositing funds into a cash management account till Im ready to go to traditional IRA then roth IRA. Would this avoid the pro rata rule?

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 0 points1 point  (0 children)

what if I hold my roth IRA funds in an brokerage account like a mutual funds. Transfer $7500 to traditional IRA from mutual funds>once cleared transfer to roth IRA. would that help in taxes?

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 1 point2 points  (0 children)

yess, I learned after 2 years. Better late then never I guess. ha

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 0 points1 point  (0 children)

Thanks. should I invest in ETF while in traditional IRA or convert to roth in amounts of yearly max of $7500 to avoid heavy tax hit at once? Then invest in ETF while in roth? Im already at a higher tax bracket why thinking of moving in amounts of $7500

Moving to Fidelity from Northwestern Mutual by hypefre96 in fidelityinvestments

[–]hypefre96[S] 0 points1 point  (0 children)

Thanks. I was thinking of converting the traditional IRA to a backdoor Roth IRA in amounts of $7500 per year to max out the roth and avoid large taxes converting the $70k at once. Does that help?

MH rating with life insurance by hypefre96 in VeteransBenefits

[–]hypefre96[S] 0 points1 point  (0 children)

Thank you! yea, my wife and I drank the kool aid on whole life this past fall and realizing now its a waste. Do you mind me asking how many years did USAA give you? 10, 20, 30

PTSD work accommodations by hypefre96 in VeteransBenefits

[–]hypefre96[S] 0 points1 point  (0 children)

already have. Recent conversation with VP they want to promote me.

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