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jhfenton

Has anybody heard any updates on this apparent transition? Fifth Third recently made some subtle changes to their HSA login screen. Also, some of the language surrounding the transition has either disappeared or changed. The only language reads: "Fifth Third continues to work on its transition...

jhfenton

If you want to include South Korea in your emerging markets fund, use IEMG. Otherwise, consider VWO, SPEM, or SCHE. All of these ETFs are generally liquid enough for the average buy-and-hold investor, and EEM's expense ratio is more than 6x that of IEMG. +1 I'd use IEMG (MSCI) or VWO (FTSE) dependi...

jhfenton

I could see holding that. At one point a few years ago, I did swap all of my developed international (VEA/VTMGX) for VSS just to simplify things. But I still held additional emerging markets (VWO/VEMAX) separately. And I don't think it's unreasonable to hold VFMF as your core (or only) US equity hol...

jhfenton

Take a close look under he hood of those funds. Fidelity’s zero fee funds don’t track the same index. It’s a proprietary index created by Fidelity. I am betting not exactly the same as the Willshire 5000 or S&P 500. Here's an interesting article saying to wait on Fidelity's zero fee funds until...

jhfenton

Ours finally says that our payment will also be mailed April 2. Just to repeat what I posted above: 2018 tax year - refund to Account A COVID payment 1 - ACH to Account A 2019 tax year - payment from Account A (filed after COVID payment 1) COVID payment 2 - check 2020 tax year - payment from Account...

jhfenton

For us, the IRS website still shows "Payment Status - Not Available." I did file our taxes on March 13, so it's possible the timing of that pushed us back in the line. Our income was a bit higher in 2020 than 2019, but not significantly so, and not to the level that would be relevant to th...

jhfenton

We're in the same boat. We got the first payment very quickly via DD. For some reason they sent the second payment via check, but we got it. I filed our taxes recently and scheduled our three-figure payment for April 15. Ours also shows "Payment status not available." on the IRS tool. It ...

jhfenton

We're in the same boat. We got the first payment very quickly via DD. For some reason they sent the second payment via check, but we got it. I filed our taxes recently and scheduled our three-figure payment for April 15. Ours also shows "Payment status not available." on the IRS tool. It s...

jhfenton

But if I were to own one of them, I would put it in my alternatives bucket and not count it as a bond fund. Because high yield tends to crash with equities. You're probably going to be rebalancing into your high yield at the same time as you're rebalancing into equities. I don't currently own any. ...

jhfenton

If I were going to buy a junk bond fund, it would be the iShares Fallen Angels USD Bond ETF (FALN). If there's an anomaly to be exploited in the high yield space, it's with the bonds newly downgraded from investment grade to junk. There's some evidence that they end up cheap relative to their increa...

jhfenton

I see the Vanguard website has changed. It is very difficult to maneuver through the website now. If you click a link for a drop down box, you can not maneuver in the box as your pointer activates another dropdown box for a different link. Before I had no trouble at all. I use Safari browser. Are o...

jhfenton

Specifically, I don't understand the current market, where people are buying and reselling images, sports game videos, etc. Ownership of the item gives you.. nothing. You don't get the rights to resell the actual video to tv networks, you don't seem to really own anything besides something that som...

jhfenton

As a lifelong value tilter, I'm not a huge fan of VTV. With its market cap weighting and broad definition of value, it offers rather dilute large cap value exposure. However much value exposure you want from VTV, you can get with a smaller position in VFVA/Vanguard US Value Factor, a deep value quan...

jhfenton

Does it bother people that it is described as growth rather than blended on Morningstar? I don’t want a growth tilt. It shouldn’t bother you what Morningstar calls it. It doesn’t bother me. The fund owns virtually every US stock not in the S&P 500: it’s literally impossible for it to actually h...

jhfenton

I've had no issues with Amazon Day delivery, but I will say that close to 100% of our non-holiday deliveries come via Amazon Logistics. So opting for Amazon Day doesn't change who delivers things, it just allows them to consolidate. And Amazon Logistics tracking is pretty good. I get notices almost ...

jhfenton

I thought, though, that the IRS wasn't accepting returns until tomorrow, February 12. Are they really accepting them now? I just received notification from TT that my return was accepted by the IRS this morning (submitted/filed on Monday). That doesn't mean it's being processed at the current time,...

jhfenton

I have not had any issues with that verification step before, and I have e-filed for years. But I know the PINs that I always use, and there is definitely one for each of us. I don't remember what I did the first time I e-filed. I thought, though, that the IRS wasn't accepting returns until tomorrow...

jhfenton

Fidelity ZERO Total Market Index Fund (FZROX) and/or Fidelity ZERO International Index Fund (FZILX) would both be outstanding choices for simplicity. As you say, those funds aren't transferable, but that wouldn't bother me either in a retirement account. You can exchange them for something transferr...

jhfenton

I have accounts at Fidelity, Vanguard and Schwab. My biggest complaint with Fidelity is that if I want to place a GTC order I have to have sufficient CASH in the account to cover it. While I might have $1.5M in Fidelity mutual funds in the account, if I want to place a $40K GTC order, they won't ac...

jhfenton

Leave it. Nothing to report during taxes since .49 or less rounds down to 0, and .50+ rounds up. When you back door next year, move the backdoor amount along with the remaining penny to the Roth IRA. +1 This is quite common. It's too small to be reportable. Just move it with next year's backdoor. (...

jhfenton

Hello bogleheads, Due to some great help and advice from this board last year, I opened up a HSA at Fidelity to did an indirect rollover. (I asked my work HSA to pay me and then within 60 days sent Fidelity a deposit slip and check to open the HSA, thereby saving the fee from a direct rollover.) So...

jhfenton

One possibility is the disclosure delays allowed by the SEC for Actively managed ETFs leave open opportunities for arbitrage between a mutual fund class and the ETF class of the fund that Vanguard wishes to avoid. It could also be that the SEC approval for their original patented dual share class w...

jhfenton

Does anyone know why they aren't adding this as an additional share class to the existing Ultra-Short Term Bond Fund mutual fund, like most of the older ETFs? The dual-class structure doesn't work because it's actively managed? Because Vanguard's patent expires in a few years? Or is there so much e...

jhfenton

Now if M* would just fix its more-than-a-week-old data problem. Some ETFs, including VFVA/Vanguard US Value Factor and AVDV/Avantis International Small Cap Value are showing stale prices from January 13. I assume there are others, but those are two that I own with stale data. I see a similar proble...

jhfenton

I've been in the security industry for a while and this is something I feel very passionate about. Thanks for chiming in. I appreciate it when professionals bring their expertise to the table. After using Bitwarden for a while, and being very pleased with it, I have a question. How does one handle ...

jhfenton

Now if M* would just fix its more-than-a-week-old data problem. Some ETFs, including VFVA/Vanguard US Value Factor and AVDV/Avantis International Small Cap Value are showing stale prices from January 13. I assume there are others, but those are two that I own with stale data. I see a similar proble...

jhfenton

Something strange has happened with Vanguard's reported market prices. No distributions are scheduled. VEA: $48.56 at TUE close, $46.805 WED before market open VWO: $53.45 at TUE close, $49.729 WED before market open Can anyone explain? Market open never has to equal closing of the previous day. Es...

jhfenton

It was a data error of some sort, and it was not limited to international ETFs. The closing price for VFVA/Vanguard US Value Factor was also off first thing this morning.

jhfenton

I had quite a few prices quoted wrong on my account this morning too. It also made my balance thousands of dollars below my spreadsheet. I don't know if it's connected, but M* has had pricing issues since late last week too. Their portfolio manager and quote pages have had bad pricing—although diffe...

jhfenton

I use Proton Mail for anything financial or important. Same for me. I use a few personal email addresses with a personal domain name that I control and use only with important, trusted institutions. Those get filtered in my ProtonMail account. (A side benefit is that I never get spam in my ProtonMa...

jhfenton

^I would consider the suggestion to start by opening these IRA’s at Fidelity. Once you have the separate IRA’s, you can move them to Vanguard later if you wish. It may be an extra step. But you so greatly reduce the risk of a misstep that the trade off would be worth it to me. ^ I would strongly su...

jhfenton

I just received an email from our benefits people: To Health Savings Account Participants: We just received an Urgent Update from Fifth Third regarding the transition of your Fifth Third HSA account to Optum Bank. It was previously communicated to you that Fifth Third planned to resign as the custod...

jhfenton

Nope. Like most people not on Bogleheads, we don't have the money to max out anything on the first of the year. I'll contribute ~$583.33 monthly to each of our Roth IRAs, most likely starting on January 1 (or 4th). Most years, I get ahead of things and max out both accounts by September. I don't hav...

jhfenton

I received the same notice from Fifth Third. I called Fidelity yesterday to see about transferring my HSA account from 5/3. They said with 5/3 it would require mailing paperwork and could take up to 3 weeks. They said they have the ability to pull it electronically from Optum if I just fill out Fid...

jhfenton

I was going to start this thread last week, but I never got around to it. My employer was blindsided by this. The benefit folks learned about it by receiving their own mailed notices at home Saturday before last. (I received my notice last Monday.) I have already been making periodic trustee-to-trus...

jhfenton

Selling and buying ETFs within the same day is not quite the same thing as a mutual fund exchange. It's not as clean and involves at least some time out of the market. Also requires two user-directed transactions rather than one with the exchange. I agree it’s not the same, and that it requires two...

jhfenton

It is because the TIPS Index is a very poor "investable" index. If you are a index fund you have to follow the index. Every day you are expected to buy and sell bonds in the exact proportion of the index. The TIPS market is pretty illiquid with relatively few securities. A mutual fund fol...

jhfenton

Interesting. It says that we would save over $7,000 over 20 years, which seems a quite modest savings. We also have a three-story 110-year-old house with high heating bills. So on the one hand, the potential savings might be quite a bit higher. Or it might be difficult and expensive to install and ...

jhfenton

Thank you. I should have checked the numbers myself. In my case it's 1 basis point with the outlier being TISM at 3 basis points. Annoying the International funds are 3 basis points. :beer The real outlier is Vanguard FTSE All-World ex-US Small cap at 5 bp (16 bp vs 11 bp). We asked for Admiral Sha...

jhfenton

Interesting. It says that we would save over $7,000 over 20 years, which seems a quite modest savings. We also have a three-story 110-year-old house with high heating bills. So on the one hand, the potential savings might be quite a bit higher. Or it might be difficult and expensive to install and m...

jhfenton

The difference in MF vs. ETF ERs may also be lost in the trading spread when placing market orders Just food for thought. motiv8ed This. The 0.01% ER savings may end up being smaller than the bid-ask spread you have to pay when buying or selling ETFs, not to mention that there can be a small differ...

jhfenton

In every case, of course, the monitors are still running in 3840x2160 mode. MacOS merely scales the UI elements to suit the physical screen size and users' eyesight. The result is crisp UI elements and text. There is nothing horrible about it. For the scaled modes, MacOS uses retina (doubling) mode...

jhfenton

:?: I have a large position in Vgd large cap value VIVAX which I established after reading Bill Bernstein's Four Pillars. In a later book, he states that fund has done a poor job capturing the value premium. DFAs DFLVX, which I can't get without an advisor, has done a better job. I see that iShares...

jhfenton

Pay close attention to a monitor's resolution. Apple targets the size of UI elements to be appropriate on their screens which all now are around 110 faux ppi (220 real ppi.) That means you want a monitor that is either 96-110 ppi, or 192-220 ppi. If you get a monitor with a different resolution, yo...

jhfenton

At this point, all of our non-401(k) equity funds are ETFs. Our 401(k)s do not have brokerage windows, so mutual funds are the only options. On the bond side, Vanguard still has some active mutual fund only options. In particular, I own VOHIX/Vanguard Ohio Long-Term Tax Exempt and VEGBX/Vanguard Eme...

jhfenton

I'm running it without issue on my 2018 Mac mini. I haven't seen any major software incompatibilities, certainly far fewer than with Catalina, which removed support for 32-bit apps and thereby marooned a lot of older software on Mojave. I still have our older Mac mini (2012) in the living room runni...

jhfenton

I would assume M* is wrong.

jhfenton

I have a large position in VFVA/Vanguard US Value Factor. It is not strictly large cap--in fact, it is 1/3 large, 1/3 mid, 1/3 small by design--but it loads very heavily on value and costs 14 bp. I agree that VIVAX doesn't load particularly heavily on the value factor, but I certainly wouldn't pay f...

jhfenton

I hear people saying on this forum that their brokers have made errors with the wrong share count and such. Would this kind of an "excess contribution" caused by broker mistakes (say because the broker added 10 shares of some company to an IRA account instead of the 5 they should have for...

jhfenton

Agreed. Even if you sell the PA fund at a loss, buying the national intermediate muni fund would not trigger a wash sale. By no stretch of the imagination is the intermediate muni fund "substantially identical" to the PA long muni fund. (The answer would be the same if you bought the Vangu...

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