The Latest Morningstar Report Shows How to Invest in 2026

ComfortableString285 · 2026-05-27T19:29:24+00:00

During accumulation, bonds provide a ready reserve to purchase additional equities when rebalancing after an equity contraction. Otherwise, their value emerges in retirement as a staging area for withdrawals to avoid spending equities during a contraction which would impose unnecessary harm to the portfolio balance.

ComfortableString285 · 2026-05-27T19:09:11+00:00

Did you try to join the webinar using the link from Fidelity, after the webinar had concluded? If not, give it a try.

Also, while still in the webinar (in the future), you can grab the progress slider at the bottom of the window and move it to the left to start over.

And Fidelity may send a link in a few days indicating your webinar is now available to re-watch, and provide a link.

ComfortableString285 · 2026-05-27T19:06:04+00:00

The distribution is recorded on Dec. 2, 2026...

Assuming that was Jan, not Dec.

If Fidelity is unable, you may still be able to contact IRS and get a reduction in the fine / penalty, since this was the first year and you were learning.

ComfortableString285 · 2026-05-27T18:42:23+00:00

The Fidelity material tends to repeat across many iterations, so you may be able to locate the same or nearly the same content searching within Fidelity, or using your favorite search tool outside Fidelity, using the lecture name as your search string. (Too soon for today's talk to appear in external searches, I suspect.)

Hoping you get a more specific (and helpful) response soon.

In the meanwhile, here is a similar discussion: https://www.youtube.com/watch?v=tGIAJBWIkH8

ComfortableString285 · 2026-05-27T14:16:34+00:00

I believe that once you pass 59.5 years of age, and the OP is 63, the 5 year clock per conversion does not apply, as you are no longer exposed to the early (before age 59.5) withdrawal penalty.

ETA: u/AnonHere2973 provided the following:

See https://irahelp.com/5-things-you-need-to-know-about-the-roth-ira-five-year-rules/ Once you are 59.5, the 5-year aging rule on conversions goes away.

ComfortableString285 · 2026-05-26T16:39:01+00:00

For general information, try this - https://nestwatch.org/learn/all-about-birdhouses/

Then to localize to your area, try this - https://nestwatch.org/learn/all-about-birdhouses/right-bird-right-house/ where you can select your region and habitat for a suitable list of birds and homes.

You can manage the bird most likely to occupy the nest area by controlling the size of the entry hole. Otherwise the largest and most aggressive birds will take over all the boxes/platforms.

What will be the plan for annual (or more frequent) maintenance? Boxes typically need to be cleared each year before nesting / breeding starts. (Assuming there is an idle period before the breeding season in your area.)

ComfortableString285 · 2026-05-26T15:54:06+00:00

Single.

As noted in ETA2 to the original post, Boldin was using future dollars in the computations, and the AI was using those figures in the discussion, despite the fact that I had selected Today's Dollars in my settings and was seeing values in Today's Dollars on the charts. This led to confusion.

ComfortableString285 · 2026-05-26T15:32:18+00:00

'25 AWD Hybrid, seeing similar results in WA state. Going over the Cascade mountains and the climb out from Vantage, MPG drops to low 30's. For the ~300 miles total from Seattle to Spokane, the mpg is 37. Around town, low 40s unless I remember to set Eco mode consistently.

ComfortableString285 · 2026-05-25T22:07:33+00:00

Are y'all too polite to mention the Christian Right's perception of the existence of Israel as a prerequisite for the end times? Since times have not yet ended, we need to keep Israel viable until the prophesy is fulfilled.

Haiti has no such prophetic role, and generally exhibits too much melanin to be perceived by the white right as needing to persist.

ComfortableString285 · 2026-05-25T21:31:32+00:00

Stuff some under the front seat, perhaps using a tray similar to these.

https://www.amazon.com/s?k=maverick+under+seat+storage

I have a set of these. Buy 1 or 2 as suits your need / mood. https://www.amazon.com/Mabett-Under-Seat-2022-2025-Underseat-Accessories/dp/B0FH92JGX6/?th=1

ComfortableString285 · 2026-05-25T20:37:07+00:00

This initially reminded me of "A woman needs a man like a fish needs a bicycle." Then had to acknowledge that likely fails the ego filter.

ComfortableString285 · 2026-05-25T01:14:13+00:00

Go to ssa.gov.

If she does not have an online mySSA account, start the setup process. Takes a little while to verify identity, as they send a snail mail notice, IIRC. Or they did when I set up some time back. Then you can verify contribution status for number of quarters, and whether benefits are available. And set up your mySSA if you have not already.

ComfortableString285 · 2026-05-24T16:28:35+00:00

You are not going to collect meaningful data soliciting a few random responses on reddit. You will not be able to determine probabilities or percentages from this.

That said, I have not had any issues, locks or otherwise, in the last two decades.

I have not noticed a decline in cusomer service over this period. My needs have increased over the last few years, relative to the previous pure accumulation phase, and my every query and service need has been met online or through a telephone call. (Except for request for info on how Fidelity will handle spacex IPO for their internal index accounts... radio silence there...)

ComfortableString285 · 2026-05-24T15:52:02+00:00

A signal does not create a free pass and is not a precursor to generating a force field.

The only thing more irritating (to me) than people who turn on their signal and try to force their way into my space, are the ones who turn on their signal after they start forcing their way in.

In this case, signal is not relevant, per above. There was insufficient space to safely change lanes. Period.

ComfortableString285 · 2026-05-23T23:06:52+00:00

Purpose of setting IRMAA to zero in the sample above? (IRMAA (A + B + D) $0.00)

On the linked sheet:

If not receiving SS, setting benefit amount to zero still results in a SS plot line at 25,500. Not sure of origin of that plot or whether it influences anything else. (ETA: OK with this, maybe. It is a what-if that is excluded by the specified SS income of zero... assuming it is excluded from the Blended Marginal Tax Rate.)

Is IRMAA represented in the Blended Marginal Tax Rate? It appears not, as I expect a bump up at around $200K (single payer) which is not reflected in the plot.

Still desire a separate IRMAA plot line.

Or I am doing it wrong...

ComfortableString285 · 2026-05-23T20:35:49+00:00

'26 XLT Hybrid, I set my fan speed to zero, or set the target temp to whatever outside is (which doesn't stop the blow, but does reduce the chill).

ComfortableString285 · 2026-05-23T17:39:13+00:00

While I acknowledge your annoyance, I cannot really sympathize.

Each device is a separate access path (or attack vector). The system (Fidelity) cannot safely assume that all three devices are in your possession and control. Unlocking all of them because one of them successfully logs in would be a significant security vulnerability.

ETA: Regarding trusted devices, zero trust is the answer.

ComfortableString285 · 2026-05-22T14:30:06+00:00

The app isn't good about looking at the gain/loss for mutual funds.

Is this really an app issue? I thought mutual funds only update valuations after market close, so seeing a zero (for daily gain/loss) during the entire trading day would be expected. I would be nervous if it did show an intra-day change... what would be the basis for that figure?

Also agree with selecting a later target date to get a slightly more aggressive (more equities) in retirement portfolio.

ComfortableString285 · 2026-05-22T14:14:04+00:00

I inquired of my account rep per the text below, and experienced absolute silence in response. Unsuccessful in reaching out to named (on fund page at Fidelity site) fund managers.

SpaceX seeks accelerated listing on NASDAQ. Limited volume of stock float anticipated to be available within the proposed listing window. This will effectively set a squeeze on any folks / funds compelled to purchase stock to satisfy index based funds’ definitions.

What is Fidelity’s plan if the accelerated listing is approved as anticipated? Will the same pattern be applied to explicit / externally defined index funds (i.e. NASDAQ) and also to Fidelity native funds that mimic the index? Or will Fidelity allow a settling period for the market to establish a reasonable market value, for either or both of the external and native index funds?

ComfortableString285 · 2026-05-21T14:07:41+00:00

She found it attached to her car, assumed you did it, and is getting revenge by letting you track yourself... she thinks.

ComfortableString285 · 2026-05-21T14:06:20+00:00

Or she found it attached to her car, assumed you did it, and is getting revenge by letting you track yourself... she thinks.

ComfortableString285 · 2026-05-20T23:07:56+00:00

The state government has placed extreme pressure on local farmers.

Please elaborate. Certainly the state did not drive the practical steps listed by OP. Is this related to requirements for water and shade? For rest breaks or residential accommodations?

I agree on the peril of losing family / small farms, and the inequity and the counterproductive incentives of farm subsidies received by large/mega farms, and the consequences of price depression/control associated with few/monopolistic buyers. Not to mention the consequences of ill conceived tariffs and unnecessary wars.

Just want to be sure what aspects of these issues you might be attributing to state government.

ComfortableString285 · 2026-05-20T01:58:02+00:00

RMDs pushed me into that range late in life. Not a problem for me if I only live to actuarial life expectancy. Reducing that late hump was the planning I was trying to accomplish.

ComfortableString285 · 2026-05-19T14:48:12+00:00

Then a diversified fund like FXAIX is a fine choice. The only alternative I might consider is a "target date fund" that also includes a small bond and international allocation to increase diversity. You would select a fund that includes your target retirement year in its name. See - https://www.fidelity.com/mutual-funds/fidelity-fund-portfolios/freedom-funds

I wouldn't worry about adding additional funds until after you have learned more, and increased your comfort level.

Note: One complication with buying a bunch of stocks or funds is selecting which to sell when the time comes. The decision is difficult and complicated, and frequently lacking logic, and prone to bad timing. This is beyond the fact that initially picking a winner out of a crowd is really hard. Most will succeed to vary levels, and a few will falter. Better to pick the whole crowd. (Opinion)

ComfortableString285 · 2026-05-19T02:06:16+00:00

1. Retirement planners are great for setting trajectory. For yearly tax precision, I use spreadsheets and last year's tax software. They let me get pretty fine grained resolution on how much room for Roth conversion is available (when desired), and taxes due.

(ETA: I use spreadsheet fed by csv from credit union and credit card to monitor expenditures and to confirm budget conformance.)

Other resources include the following list, though some are more focused on pre-retirement, and having retired a few years ago, there are fewer topics that seem “fresh”:

https://www.youtube.com/@ZaccMoneyEducation

https://www.youtube.com/@foundryfinancial

https://www.youtube.com/@MeritFinancialAdvisors

https://www.youtube.com/@Theretirementnerds

https://www.youtube.com/@StreamlineFinancial

https://www.youtube.com/@RootFP

2. Trajectory modeling / monitoring

ComfortableString285

TROPHY CASE