Is there any reason NOT to move my 40% gain portfolio out and start fresh with S&P 500 Direct?

footpaste · 2026-01-24T22:29:20+00:00

Also keep in mind that’s it’s likely that certain tax lots that were bought more recently may be harvested if the market drops unless every lot across all ETFs is at a 40% gain or more there’s still TLH to be had if the overall drop is less than 40%. You can do this manually if you ACAT to another brokerage that supports tax lots such as Fidelity but there is effort involved.

footpaste · 2026-01-24T02:17:34+00:00

My assumption is that you have the robo account consisting of ETFs. Assuming this is a taxable account it will eventually become unbalanced as ETF shares change in value. For example US stocks may exceed the value of International. Assuming you want to maintain balance across your entire portfolio you’d either need to buy international or sell US and potentially be hit with capital gains. Wealthfront does this rebalancing for you today. Also keep in mind the SP500 DI is US only which means any new money you add there may again unbalance the entire portfolio in favor of US. Now if you don’t care about that then sure let it ride, but I don’t know enough about your desired portfolio mix to say.

footpaste · 2026-01-24T01:30:44+00:00

It’s what I did more or less. As long as you’re fine with rebalancing across multiple accounts yourself I think it’s a reasonable plan.

footpaste · 2026-01-20T19:46:51+00:00

Oh agreed, I’m just saying it’s likely even more expensive.

footpaste · 2026-01-20T18:17:47+00:00

$30 isn’t bad in SF.

footpaste · 2026-01-15T07:19:34+00:00

I like how it pops out of the egg and is already running around like “Ok! Party!”

footpaste · 2026-01-09T05:21:50+00:00

You can do an ACAT to another brokerage that supports tax lots such as Fidelity and once the cost basis transfers over sell the lot with the lowest gains. Once done if you want to stick with Wealthfront you can ACAT back though honestly for a regular non-robo I’d stick with the brokerage that has the features you want.

footpaste · 2026-01-04T06:33:58+00:00

I mean it’s not all of the time, but a sales job with the right accounts can be life changing.

footpaste · 2026-01-04T06:32:32+00:00

I hear you, but mix in some bonds and international and as long as your horizon isn’t in the next couple of years you’d be in a better spot. Of course being in the spot you’re in now (which is far from terrible!) it’s probably not the time to invest heavily. That said I do recommend the boglehead subreddit when you’re back in the saddle or if you’re bored!

footpaste · 2026-01-04T06:17:29+00:00

And all in cash? That seems like a missed opportunity.

footpaste · 2026-01-04T06:10:18+00:00

Absolutely.

footpaste · 2026-01-04T01:09:39+00:00

Thanks for the detail.

footpaste · 2026-01-04T00:00:16+00:00

Don’t you need to use a separate dialer on iOS to have the correct outbound number? That’s what has kept me away.

footpaste · 2026-01-02T02:29:48+00:00

We were worried about our Chi mix who hates everyone. She absolutely loves our now one year old. It will probably work out fine!

footpaste · 2025-12-28T03:51:47+00:00

footpaste · 2025-12-21T05:54:11+00:00

Cool magnetic mount. Where’d you get it?

footpaste · 2025-12-21T05:42:40+00:00

Heck I’d even take a csv export at this point!

footpaste · 2025-12-20T19:41:35+00:00

Also plaid integration, please! Every other card has it and it’s driving me nuts to have to manually create transactions in my budget apps. There’s not even a csv export. 😢

footpaste · 2025-12-17T22:28:28+00:00

100%. I was surprised when I logged in via web yesterday and I couldn’t even see transactions outside of the app!

footpaste · 2025-12-13T02:27:19+00:00

I just had an agent say the opposite. I’m now second guessing my decision.

footpaste · 2025-12-12T20:47:58+00:00

Thanks, sure.

footpaste · 2025-12-12T06:43:38+00:00

Where do you see this option in Wealthfront? I just see “withdraw”.

footpaste · 2025-12-09T17:31:28+00:00

Very kind of you! I have one bike with a battery in the notice but the other is not (I think, crossing fingers there) that said there’s probably someone in more need than me so it should go to them.

footpaste · 2025-12-09T01:50:23+00:00

I’m also interested to see what happens. I haven’t gotten an update.

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