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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 10-17-2019, 04:09 PM   #3211
Buehler445 Buehler445 is offline
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So I use Fidelity and they sold me their target managed fund for my Roth IRA.

My question is, why would I do that and not just get an S&P low cost Index Fund, specifically the Fidelity version FXAIX?

Here’s the comparison:

Fidelity managed target fund-average life of return to date is 7.70%. It’s got an expense ratio of 0.75%

Fidelity S&P FXAIX-average life of return to date is 13.22%. It’s expense ratio is 0.02%

It also seems like a large portion of the target fund is made up of the S&P anyway.

That seems like one hell of a huge difference. Any downside to this in your minds?
You could split out some and put some in an S&P ETF, but I wouldn't do all of it.

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Originally Posted by Rain Man View Post
On that note, I didn't pay attention to the Trump tax changes as they relate to mortgage interest. But my impression is that the mortgage interest deduction won't apply to a lot of people any more since the standard deduction is higher. It seems like that would decrease home values, but I haven't noticed it when looking at sales. Anyone got any theories?
Yeah. My theory is that housing purchases aren't driven by Schedule A Mortgage Interest deductions.
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Old 10-17-2019, 04:10 PM   #3212
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It's probably a big reason why NYC's housing market has been riggity riggity riggity wrecked.
I'm looking it up, and it seems like the effect would be large on homes over $750,000 and on homes that are at the lower end of the national price range. I could do the math to figure out an estimate on the low end, but the general rule is that the lower the price, the more negative the impact.

So logically it seems like you'd see declines in prices at the low end and high end of the scale, and little or no impact on homes in the middle of the range (which is probably the $300-600k range).
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Old 10-17-2019, 04:43 PM   #3213
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Originally Posted by RunKC View Post
So I use Fidelity and they sold me their target managed fund for my Roth IRA.

My question is, why would I do that and not just get an S&P low cost Index Fund, specifically the Fidelity version FXAIX?

Here’s the comparison:

Fidelity managed target fund-average life of return to date is 7.70%. It’s got an expense ratio of 0.75%

Fidelity S&P FXAIX-average life of return to date is 13.22%. It’s expense ratio is 0.02%

It also seems like a large portion of the target fund is made up of the S&P anyway.

That seems like one hell of a huge difference. Any downside to this in your minds?
Since it's inception in '88 looks like that S&P fund is 10.3%. But I can't see any advantage paying that much more in expenses for the target fund - it's a significant difference. I invest in a Vanguard S&P ETF and a separate Vanguard Bond ETF, re-allocate as I see fit over the years. Unless you have a stomach for volatility and potentially losing your shirt at a bad time, at least temporarily as in '08, don't go all in on a pure stock fund.
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Old 10-17-2019, 04:48 PM   #3214
ChiliConCarnage ChiliConCarnage is offline
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On that note, I didn't pay attention to the Trump tax changes as they relate to mortgage interest. But my impression is that the mortgage interest deduction won't apply to a lot of people any more since the standard deduction is higher. It seems like that would decrease home values, but I haven't noticed it when looking at sales. Anyone got any theories?
Supply/demand.

https://fred.stlouisfed.org/series/HOUST

The 10 yr dropping has helped prop home sales back up also this year

Edit: runkc, Fidelity surely has index target date funds. Switch to one of those. You still won’t get 13% but neither will the S&P 500 over the next decade most likely. You won’t get jack shit like holding the s&p from ‘00 to ‘10 either while international outperformed
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Old 10-23-2019, 02:13 PM   #3215
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Little tidbit that will surely go unnoticed but is definitely worth noting.....


The 2yr & 5yr bonds are no longer inverted. I have been watching that over the last few days and today (lsat night) they reverted.
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Old 10-23-2019, 09:14 PM   #3216
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Originally Posted by petegz28 View Post
Little tidbit that will surely go unnoticed but is definitely worth noting.....


The 2yr & 5yr bonds are no longer inverted. I have been watching that over the last few days and today (lsat night) they reverted.
Let's ****ing ride!!!!
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Old 10-24-2019, 02:54 PM   #3217
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(Notices Tesla is up 17 percent today.)

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(Still 5 percent below breakeven on Tesla stock.)
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Old 10-24-2019, 04:04 PM   #3218
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(Notices Tesla is up 17 percent today.)



(Smug smile.)



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(Still 5 percent below breakeven on Tesla stock.)
Yeah their earnings report was pretty good, so I'd imagine tomorrow their factory is gonna catch on fire or something

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Old 10-24-2019, 04:18 PM   #3219
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Quote:
Originally Posted by petegz28 View Post
Little tidbit that will surely go unnoticed but is definitely worth noting.....


The 2yr & 5yr bonds are no longer inverted. I have been watching that over the last few days and today (lsat night) they reverted.
Correct. The curve has been steepening. The Fed will cut rates next Wednesday and then we're only priced for one more cut in 2020. Reasons include: 1/ some elements of a detente between China and the US in their trade dispute 2/ better news on Brexit (though this is still messy) 3/ the Fed instituting some liquidity injections that benefit the front end exclusively 4/ the US Treasury exploring - almost certainly at Trump's behest - issuing more long end securities.

The data has still been relatively tepid. And in 2020, a potential Trump/Warren election is seen as a major negative almost regardless of who wins.
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Old 10-24-2019, 04:19 PM   #3220
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(Notices Tesla is up 17 percent today.)

(Smug smile.)

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(Still 5 percent below breakeven on Tesla stock.)
Remain wary of Tesla.
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Old 10-24-2019, 05:07 PM   #3221
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Anyone who didn't get in on the briefly underpriced TSLA puts probably missed out.
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Old 11-17-2019, 01:41 PM   #3222
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Old 11-17-2019, 01:47 PM   #3223
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Im thinking of opening an account with TD Ameritrade or Charles Schwab. Anyone have experience with them?
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Old 11-17-2019, 01:58 PM   #3224
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Im thinking of opening an account with TD Ameritrade or Charles Schwab. Anyone have experience with them?
I've used Schwab for about a decade, though my needs are pretty basic. Any specific questions?
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Old 11-17-2019, 02:03 PM   #3225
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Anyone use Bloom or similar for their 401k?

Just curious on overall experience with it.
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