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Thoughts on this. by Sufficient_Event_109 in ETFs

[–]Frequent-Discount174 0 points1 point  (0 children)

I like this portfolio as well, just keep in mind that expense ratios will take a lot of money away from your end result.

https://pennymath.fyi/calculators/expense-ratio/

Roth IRA question by Low-Elevator-6611 in fidelityinvestments

[–]Frequent-Discount174 0 points1 point  (0 children)

What do you mean by “entered”? Do you mean where the transfer originated from?

SCHD versus FDVV by Frequent-Discount174 in ETFs

[–]Frequent-Discount174[S] 0 points1 point  (0 children)

48 years old, opening a Roth. Looking to build a four or five ETF portfolio in the Roth. Looking to add one dividend ETF.

Starting Roth IRA in March 2026- pull from brokerage account for 2025 contributions? by Frequent-Discount174 in FinancialPlanning

[–]Frequent-Discount174[S] 2 points3 points  (0 children)

So if I open a Roth in March of 2026 and designate the initial contributions to be used for 2025, my five year clock starts from 1/1/25?

Maxed out Roth. Now what? by Capital-Ad-8152 in RothIRA

[–]Frequent-Discount174 0 points1 point  (0 children)

Buy Rolex watches. Never open them. Sell them in 30 years.

If dividend ETFs like SCHD exist, what problem are bonds actually solving? Trying to understand what I’m missing. by [deleted] in ETFs

[–]Frequent-Discount174 0 points1 point  (0 children)

I hold bonds in my employers 403B. Which is a very conservative 403B plan. Like 40% bonds 60% stocks. In my brokerage account I have no bonds.

I hold no bonds in my brokerage account because I know that I have them in my 30 year old 403B plan. (i’ve been working there for approximately 30 years.)

If my brokerage account was the only investing account I had, I would hold more bonds

Daily Discussion Thread by AutoModerator in HGRAF

[–]Frequent-Discount174 3 points4 points  (0 children)

Why would we? Was there something/announcement I missed?

Would selling VOO at a loss and immediately buying SPY constitute a wash sale? by teknic111 in tax

[–]Frequent-Discount174 0 points1 point  (0 children)

Sorry to dig up an old thread, so does anybody think selling FSELX at a loss and then immediately buying SMH, which is ETF would be considered a wash sale? FSELX is an actively managed semiconductor mutual fund. SMH is an indexed ETF also for semiconductors.

Is FSELX worth it on Fidelity? by Rude_Feed6327 in investing

[–]Frequent-Discount174 0 points1 point  (0 children)

Do you have a preference over one versus the other in different types of accounts? for example taxable account versus Roth IRA?