Hi all,
I'm cleaning up my accounts after adventures with a FA, working on establishing a new self-run IPS and AA. Prior to posting an AA for feedback or even a portfolio review I have some basic questions.
My taxable portfolio contains VTI (plus a tax loss harvest partner from prior market dips). My 401K has VTHR. My HSA holds VTI.
From searching past threads (like viewtopic.php?t=323582) I'm guessing that VTHR is in my 401K to avoid holding the same funds in my taxable and non-taxable / tax-deferred accounts. But then I can't figure out why VTI is in my HSA. Maybe that was just an oversight? Since I broke up with the FA I can't really ask if there was a method to this madness...
So, the questions...
0) Anyone have advanced diagnostics or guessing skills who can help me make sense of the fund choices in the past? The VTI in HSA is throwing me off a bit - I'm going on the working assumption that was an oversight as it's so small relatively speaking.
1) My accounts are at Fidelity so I was thinking to use Fidelity mutual funds in non-taxable accounts and ETFs in taxable to keep things separated if that's a need. I can use the Fido zero funds and just sell out if I want to transfer brokerages for some reason - would just be out of the market while it settles. Is using mutual funds in the non-taxable / deferred space vs. ETFs in taxable a reasonable idea? At min auto-investing in the mutual funds is easier than ETFs.
2) Any reason w/o making this a mutual fund vs. ETF debate I should keep ETFs in both? If I want distinct ETFs I could always use the Vanguard components, e.g. VTI = VTHR or VOO+VXF (or something like that)
With 1 and 2 the only thing I don't like are needing to make more choices about which fund(s) to use.
I'm cleaning up my accounts after adventures with a FA, working on establishing a new self-run IPS and AA. Prior to posting an AA for feedback or even a portfolio review I have some basic questions.
My taxable portfolio contains VTI (plus a tax loss harvest partner from prior market dips). My 401K has VTHR. My HSA holds VTI.
From searching past threads (like viewtopic.php?t=323582) I'm guessing that VTHR is in my 401K to avoid holding the same funds in my taxable and non-taxable / tax-deferred accounts. But then I can't figure out why VTI is in my HSA. Maybe that was just an oversight? Since I broke up with the FA I can't really ask if there was a method to this madness...
So, the questions...
0) Anyone have advanced diagnostics or guessing skills who can help me make sense of the fund choices in the past? The VTI in HSA is throwing me off a bit - I'm going on the working assumption that was an oversight as it's so small relatively speaking.
1) My accounts are at Fidelity so I was thinking to use Fidelity mutual funds in non-taxable accounts and ETFs in taxable to keep things separated if that's a need. I can use the Fido zero funds and just sell out if I want to transfer brokerages for some reason - would just be out of the market while it settles. Is using mutual funds in the non-taxable / deferred space vs. ETFs in taxable a reasonable idea? At min auto-investing in the mutual funds is easier than ETFs.
2) Any reason w/o making this a mutual fund vs. ETF debate I should keep ETFs in both? If I want distinct ETFs I could always use the Vanguard components, e.g. VTI = VTHR or VOO+VXF (or something like that)
With 1 and 2 the only thing I don't like are needing to make more choices about which fund(s) to use.
Statistics: Posted by leland — Thu Jan 18, 2024 5:15 pm — Replies 0 — Views 95