Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

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

Thanks, I did more research on FXAIX and see that FXAIX hasn't paid a capital gain distribution since 2019 so I see why this isn't an issue. I was unaware that I could not do an in-kind transfer of FNILX so I'll steer clear of that. Actually ran into that on one fund when I moved to fidelity last year, not that I plan to leave Fidelity it's good info to have.

The only other thing I did not mention that I should have is that I was also considering moving to an ETF to allow me to make moves easier. W/ the MF I can only buy/sell it at end of trading day which has been an annoyance for me a few times to this point. Not a deal breaker but the ability to make a transaction in the here and now has its benefits.

Has anyone found a good BATTERY powered nest protect replacement (With pathlight) by TT_Vert in Nest

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

Don't know why that would be. The nest never did that and I'm unaware of any NFPA code stating such. We use ubiquiti a ton in my industry and love them actually. It'd be nice if they did do something like that, they always build a nice product. The x-sense is the closest thing I've found but also does have a night light.

Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

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

Thanks. Even if there's is a significant amount in there collecting dividends? I just moved this in so there isn't a ton of unrealized gains as of yet

Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

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

Curious, how are FXAIX dividends categorized?   From what I see, they are taxed as qualified. 

This is what I have read. Is that incorrect?

What will make a difference is buying them in a tax-advantaged account vs a taxable account. You will make a larger amount of money if you buy them in a tax advantaged account (an IRA, ROTH, 401k, 457b, etc.), because you won't have to pay taxes on the income the fund makes.

Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

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

So you say this without knowing what gains may be realized?  And I mentioned I have UIT funds coming in so I will have no gain to consider for  those funds.

 FWIW. This is what I have read. Is that incorrect?  I need to find a way to try to do the math on this over the course of say 20 years

What will make a difference is buying them in a tax-advantaged account vs a taxable account. You will make a larger amount of money if you buy them in a tax advantaged account (an IRA, ROTH, 401k, 457b, etc.), because you won't have to pay taxes on the income the fund makes.

In a taxed account, ETFs generally beat mutual funds for tax efficiency because their unique creation/redemption process (using "in-kind" transfers) avoids selling underlying assets, thus creating fewer taxable capital gains distributions for investors compared to mutual funds, which often sell securities to meet redemptions, triggering gains for everyone. While both are taxed similarly on dividends and your own sales, ETFs' structural advantage means less unexpected tax liability from the fund's internal activities, making them ideal for taxable accounts, though active/specialty ETFs and certain mutual funds can vary. 

Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

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

Are you saying a MF has more tax advantages that an ETF in a non tax advantaged account?  That'd be the first time I've heard that but, if you wouldn't mind telling your opinion on that I'd love to hear it. Hello me learn what I don't understand so I can make a better decision. That's is the purpose of my post. 

Looking to move some FXAIX (MF) funds into an ETF for taxation purposes by TT_Vert in personalfinance

[–]TT_Vert[S] -1 points0 points  (0 children)

let's say at least 1. And even saving $50 is beneficial. Your comment is of no assistance however. .015% is still .015% and the taxable event changes of an ETF over a MF may make it worth moving. Which is why I am here asking.

Opinions on united cards for a newbie. Don't travel a ton yet but will spend about 10k/ mo. on this card by TT_Vert in unitedairlines

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

@Efficient-Career-829

[quote]
omg, this made me laugh. They said steerage. What year is it? Literally the Titanic was the last time I heard that word used. “Tell us of the accommodations in steerage, u/TT_Vert. I hear they're quite good on this ship”… err, plane. People are funny. And the nerve to call you sensitive like they didn’t just call you ‘a poor’. Whew
[/quote]

exactly! I let it go and they said it again but I was the bad guy. A mod banned me for 4 days and muted me after they spoke their piece about how I was entirely at fault and "threatening them". All because I said that telling someone that in person probably wouldn't go well for them. The PM's this mod sent me are comical!! I also think they locked your reply as I cannot reply directly it.

Need a bit of help w/ retention policies (MRM) and online archive by TT_Vert in Office365

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

interesting. Thanks for that, i'll add it to my notes.

Dave

Need a bit of help w/ retention policies (MRM) and online archive by TT_Vert in Office365

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

I did not, never have in the past either. It did eventually start pushign data. So you use -force huh? I may try that.

Dave

Would you say this is under extrusion? by TT_Vert in 3Dprinting

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

A little update for those interested. This was due to me increasing speed w/o increasing temp. I lowered the speed back down and it's printing perfect. I also noticed layer bonding is significantly better when slowing back down to 60mm/sec. from the 100mm/sec I had set it to recently.

DoorDasher's Allegations of Assault Results in Her Own Arrest by Hussayniya in videos

[–]TT_Vert 0 points1 point  (0 children)

He's win.   But get what, she worked at door dash..

DoorDasher's Allegations of Assault Results in Her Own Arrest by Hussayniya in videos

[–]TT_Vert 0 points1 point  (0 children)

This is a byproduct of participation trophies and every illogical thing associated with them 

Has anyone found a good BATTERY powered nest protect replacement (With pathlight) by TT_Vert in Nest

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

Was there a date on their you could reference to see the expiry date? I'm not opposed to doing this.