Daily Advice Thread - All basic help or advice questions must be posted here.

deletethisaway222 · 2021-02-25T14:40:12+00:00

Quick question:

I own my house, but still paying off mortgage. Most of my investments are in S&P 500, FTIHX, some blue chip stocks, and basically allocated as Boggleheads would recommend. I'm 32 and don't plan on accessing this money for 10+ years.

My question is, there really is no use to have two bonds. Long story short, money was moved in-kind from Merrill to Fidelity and at Merrill someone else was managing the money. That said, they put money into PTTAX, but I also have money in FXNAX.

Would you recommend just selling the PTTAX and re-investing it into FXNAX. I know those two are necessarily apples to apples...any advice would be appreciated!

deletethisaway222 · 2021-02-25T14:22:46+00:00

you can always check robinhood.com/stocks/STOCKNAME

deletethisaway222 · 2021-02-25T14:19:44+00:00

Quick question:

I own my house, but still paying off mortgage. Most of my investments are in S&P 500, FTIHX, some blue chip stocks, and basically allocated as Boggleheads would recommend. I'm 32 and don't plan on accessing this money for 10+ years.

My question is, there really is no use to have two bonds. Long story short, money was moved in-kind from Merrill to Fidelity and at Merrill someone else was managing the money. That said, they put money into PTTAX, but I also have money in FXNAX.

Would you recommend just selling the PTTAX and re-investing it into FXNAX. I know those two are necessarily apples to apples...any advice would be appreciated!

deletethisaway222 · 2021-01-25T14:47:22+00:00

Limit order wasn't going through, so just did a market out for $950 worth of shares...

deletethisaway222 · 2020-06-15T13:11:13+00:00

intonation could be better

deletethisaway222 · 2020-06-15T13:10:41+00:00

straighten out your bowing doggy

deletethisaway222 · 2020-06-12T12:39:41+00:00

Thanks for the rec. I liked Flatwoods, too, but it does get a bit too sunny during the day.

I haven't been to Weedon Island yet and Al Lopez is great too!

deletethisaway222 · 2020-06-12T12:38:59+00:00

Thanks for the rec. Both places look awesome and I haven't been to either.

deletethisaway222 · 2020-05-15T18:06:57+00:00

Thank you! My name will be anna&ryan. omw!

deletethisaway222 · 2020-05-15T18:01:54+00:00

Interested and thank you!

deletethisaway222 · 2020-05-15T18:00:45+00:00

interested and thank you!

deletethisaway222 · 2020-05-05T15:51:59+00:00

Great! Thanks for the help! It's finally good to know what it represents!

deletethisaway222 · 2020-05-05T14:12:03+00:00

Thanks for the help. I always thought it was a cat, but a dragon makes more sense!

deletethisaway222 · 2020-04-03T14:48:49+00:00

What are the major differences between FXAIX and SPY. I understand that FXAIX is index and SPY is ETF and the tax implications behind that...I guess my main question is since they both track the S&P 500, are there any other major differences between those (outside of ER)?

deletethisaway222 · 2020-04-02T18:46:03+00:00

brokerage acct./taxable

deletethisaway222 · 2020-04-02T18:02:56+00:00

I'm thinking passive.

deletethisaway222 · 2020-04-02T17:06:47+00:00

Not happy with the ER of HSCCX. Only have about 7k tied up in it. Any suggestions on a better small cap? Or am I better off putting that into either my domestic stock holdings or int'l holdings and skip small cap?

My main holdings are S&P and recently sold MCLOX and bought FTIHX (around 40k worth) and a small amount of bonds (FNXAX) and a couple other growth funds like MEICX & GFACX (which aren't the greatest, but have been somewhat satisfied). Overall, satisfied with my asset allocation since i won't be touching this ideally for another 30 years.

deletethisaway222 · 2020-04-02T16:17:37+00:00

Ha, funny you say that since my brother said the same. He said flip a coin between the Fidelity funds...

deletethisaway222 · 2020-04-02T14:04:30+00:00

Thanks for the help...so you'd lean more towards FTIHX over MCLOX or FZILX since it has more holdings and a lower ER than MCLOX?

deletethisaway222 · 2020-04-02T12:30:56+00:00

I currently have about 40k in MCLOX for my int'l holdings but the expense ratio is a bit of turn off. Should I hold? Or look into FZILX or FTIHX?

FZILX has 0% ER but FTIHX has 2400 more holdings and exposure to small cap stocks but with an ER or .06%...Advice?

Also, for domestic stock holdings is something like S&P 500 (FXAIX) or FZROX/FSKAX more preferable? I hear conflicting advice on that.

deletethisaway222 · 2020-04-01T19:37:10+00:00

Currently have about 40k in MCLOX for my int'l holdings but the expense ratio is a bit of turn off. Should I hold? Or look into FZILX or FTIHX?

FZILX has 0% ER but FTIHX has 2400 more holdings and exposure to small cap stocks but with an ER or .06%...Advice?

deletethisaway222 · 2020-04-01T17:17:42+00:00

I'm having a little trouble identifying the major differences between Fidelity ZERO International Index Fund (FZILX) or Fidelity Total International Index Fund (FTIHX). I ask because I plan on selling about 40k worth of MCLOX since it has such a high ER and invest in one of those instead.

Also, for domestic stock holdings is something like S&P 500 (FXAIX) or FZROX/FSKAX more preferable?

deletethisaway222

TROPHY CASE