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Thread: Money

  1. #731
    Darth Small Macheath's Avatar
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    Well, my old Yahoo 401k is moving from Vanguard to Fidelity. I expected this to happen eventually -- I haven't been at Yahoo for several years now; in fact they don't really exist anymore.

    I've got stuff at various companies already (though nothing at Fidelity)... but the bulk of my retirement/investments are at Vanguard. I could just let this happen, and consider the fact that a portion of my savings are moving to Fidelity to be a form of diversification. Vanguard is fucking huge, what happens in the unlikely event they can't cover every one of their trillions of dollars?

    Or, I could call Vanguard and transfer the 401k into an IRA, keep it under the same roof. Traditional would interfere with my attempts to "Backdoor Roth" my way to retirement, and Roth would be a taxable conversion...

    I hate money sometimes.

  2. #732
    Senior Member
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    Leave it "diversified" with Fidelity for a while and see how it goes. I've heard of them as a passable alternative to Vanguard so they might not be that terrible.

  3. #733
    Senior Member
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    Fidelity is fine. I've got a 401(k) from an old employer there and it's actually all in Vanguard funds. I haven't had any problems with it.

    I keep it there rather than rolling into my current employer's 401(k) because it gives me access to VIIIX and its delicious 0.02% fee. Gigantic company 401(k) plans are nice.

  4. #734
    Darth Small Macheath's Avatar
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    I just logged into Citi's and Chase's websites, and changed the due dates for my credit cards there to the 27th of every month, syncing them up perfectly with my credit union card and car loan due dates. I'm so excited. Merry Christmas, everyone!

  5. #735
    Darth Small Macheath's Avatar
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    Quote Originally Posted by Macheath View Post
    But it made me take a hard look at my asset allocation, and I realized ... my portfolio had been dragged down to 15% bonds over the last few years.
    After moving my Roth IRA to 100% bonds, and my old YHOO 401(k) to 40% bonds, I'm up to a total of 24.48% bonds across all investments (and my overall expense ratio has dropped from 0.09 to 0.08 percent, omg).

    Feeling less exposed now. Also less likely to make a billion dollars in Trump's "stable genius" bull market, unfortunately, but less exposed regardless.

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