我怎么没看到SPRXX? 我只看到SPAXX, 然后它的下面有两个选项, default 是第一个FZFXX, 现在有3.99% FZFXX Fidelity® Treasury Money Market Fund Your cash is invested in a mutual fund and earns daily dividends, which are paid to you monthly. FCASH Fidelity® Interest-Bearing Option Your cash is held at Fidelity as a free credit balance and earns daily interest, which is paid to you monthly
The seven-day yield is a method for estimating the annualized yield of a money market fund. It is calculated by taking the net difference of the price today and seven days ago and multiplying it by an annualization factor. Since money market funds tend to be very low risk, the higher the seven-day yield the better.
我怎么没看到SPRXX? 我只看到SPAXX, 然后它的下面有两个选项, default 是第一个FZFXX, 现在有3.99% FZFXX Fidelity® Treasury Money Market Fund Your cash is invested in a mutual fund and earns daily dividends, which are paid to you monthly. FCASH Fidelity® Interest-Bearing Option Your cash is held at Fidelity as a free credit balance and earns daily interest, which is paid to you monthly
回复 16楼subzero的帖子 我的理解是这说明业内认为利率包括美联储基准利率在今后几年内会回落。 你如果要做长线固定收益投资,可以考虑买年金fixed income annuity,现在七年期的收益在5.65%左右。它的缺点是你如果在59岁半前到期取出的话,收益要交10%的penalty tax。但即便七年到期后你不想把钱再放在annuity里,而你年纪还没到59岁半,交完罚款后的收益也超过了5%。annuity不像401k和ira对收入有要求对金额有限制。所以放完了401k或ira后如果还想存点养老钱,fixed income annuity是个上佳选择。
我怎么没看到SPRXX? 我只看到SPAXX, 然后它的下面有两个选项, default 是第一个FZFXX, 现在有3.99% FZFXX Fidelity® Treasury Money Market Fund Your cash is invested in a mutual fund and earns daily dividends, which are paid to you monthly. FCASH Fidelity® Interest-Bearing Option Your cash is held at Fidelity as a free credit balance and earns daily interest, which is paid to you monthly
subzero 发表于 2023-01-19 21:17
https://fundresearch.fidelity.com/mutual-funds/summary/31617H201 I wonder if you are trying to buy from another broker? If so, you might be treated as "institutional investors". Just guessing.
https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp 这篇文章可以看看,俗称broke the buck。这种fund理论上是永远$1 NAV,所以就是每个月吃dividend。但降到1刀以下就叫broke the buck,2008年发生了一次,covid时几乎又要发生了,但被救了。
回复 2楼睿的帖子 完全看不懂你的逻辑 卖f股票,赚了要支付capital gains tax . 钱变成现金放银行里有,利息又要付税。 现在通货没有下来,你把一个好的股票换现金拿利息?! Excuse me ? 熊市不是最好的买入好股票的时机吗? 即使不买,也不是卖大量股票的时机。 除非你现金流危险。 这是什么投资理财逻辑完全看不懂。 长远看完全don't make any sense at all ?!
Annuities 注意all kinds heavy fees 半个马和甲 发表于 2023-01-20 01:47
我推荐的是annuity中的一种 fixed income annuity。虽然我不了解所有annuity的fee,但我买的几个fixed income annuity都是没有fee的,也就是和CD一样,收益完全是用APY可以计算出的。和CD有点不同的是,CD是每年要为当年的收益交税的,即便CD还没到期钱没拿出来。而annuity则是钱取出时才为收益交税。 当然层主提醒得没错,买之前要问清楚fee。
回复 2楼睿的帖子 完全看不懂你的逻辑 卖f股票,赚了要支付capital gains tax . 钱变成现金放银行里有,利息又要付税。 现在通货没有下来,你把一个好的股票换现金拿利息?! Excuse me ? 熊市不是最好的买入好股票的时机吗? 即使不买,也不是卖大量股票的时机。 除非你现金流危险。 这是什么投资理财逻辑完全看不懂。 长远看完全don't make any sense at all ?! 半个马和甲 发表于 2023-01-20 01:43
不会吧,这些钱是她过去放入401k计划的,不应该算成今年的ira contribution。 Does my rollover count as a contribution? No. It is considered separately from your annual contribution limit. https://www.nerdwallet.com/article/investing/how-to-rollover-401k-roth-traditional-ira
If you have over 100K,FZDXX actually has higher yield @ 4.27% and once you bought in you do not need to maintain the 100K and as liquid as cash (meaning it will directly pay bills or use it to buy other securities without liquidating first). FZDXX probably has a bit CP and less expense ratio. This could be a replacement for SPRXX. I believe the yield has the expense already accounted for. If your current 401K is with fidelity, you could also buy FZDXX through Brokerage Link bypassing lots of restrictions in your 401K
不会吧,这些钱是她过去放入401k计划的,不应该算成今年的ira contribution。 Does my rollover count as a contribution? No. It is considered separately from your annual contribution limit. https://www.nerdwallet.com/article/investing/how-to-rollover-401k-roth-traditional-ira 金银岛 发表于 2023-01-20 07:52
If you have over 100K,FZDXX actually has higher yield @ 4.27% and once you bought in you do not need to maintain the 100K and as liquid as cash (meaning it will directly pay bills or use it to buy other securities without liquidating first). FZDXX probably has a bit CP and less expense ratio. This could be a replacement for SPRXX. I believe the yield has the expense already accounted for. If your current 401K is with fidelity, you could also buy FZDXX through Brokerage Link bypassing lots of restrictions in your 401K yolandos 发表于 2023-01-20 08:01
That's right they are under SPIC insurance not FDIC. There are also money market funds better than even FZDXX but requires 1MM && 10MM... if you have that much you can look them up. I think the best of these money markets funds is they are as liquid as cash that you can use them to buy stocks/ETFs etc etc directly without selling them first. Still you should not put too much in your Fidelity Cash Management Account that is paying your day to day bills as you don't want to have a bad check/bill pay hit your account and drain your 100K FZDXX. Buy 100K FZDXX and call CSR to move the 80K into your brokerage account and leave 20K to cover your checks and bills.
There are two types of backdoor roth. a. you contribute to your IRA annually and immediately move the fund to Roth IRA (aka backdoor roth) b. you contribute after-tax in your 401K and depending your employer you roll that portion of your 401K to your Roth IRA monthly (aka mega backdoor roth) If you have an non-roth IRA, you are due tax estimate (the type you mentioned as rollover IRA) when you do your backdoor (both the two above). You can read about it in IRA regulation on apportioning or pro rating on the conversion. If you do not have a non-roth IRA, both a. and b. are done tax free. That''''s why it makes sense to have a Solo 401K where you can park your non-Roth IRA money. Of course if your current employer allows, you should roll all your non-roth IRA to your current 401K. That should clear the way a. and b.
There are two types of backdoor roth. a. you contribute to your IRA annually and immediately move the fund to Roth IRA (aka backdoor roth) b. you contribute after-tax in your 401K and depending your employer you roll that portion of your 401K to your Roth IRA monthly (aka mega backdoor roth) If you have an non-roth IRA, you are due tax estimate (the type you mentioned as rollover IRA) when you do your backdoor (both the two above). You can read about it in IRA regulation on apportioning or pro rating on the conversion. If you do not have a non-roth IRA, both a. and b. are done tax free. That''''s why it makes sense to have a Solo 401K where you can park your non-Roth IRA money. Of course if your current employer allows, you should roll all your non-roth IRA to your current 401K. That should clear the way a. and b. yolandos 发表于 2023-01-20 16:43
that's true there is no tax due for your move. Anyone that has been doing the backdoor roth the past 12 years probably will never do that as that complicates the backdoor roth processes. (12 year would have translated to moving 400K into roth IRA).
There are two types of backdoor roth. a. you contribute to your IRA annually and immediately move the fund to Roth IRA (aka backdoor roth) b. you contribute after-tax in your 401K and depending your employer you roll that portion of your 401K to your Roth IRA monthly (aka mega backdoor roth) If you have an non-roth IRA, you are due tax estimate (the type you mentioned as rollover IRA) when you do your backdoor (both the two above). You can read about it in IRA regulation on apportioning or pro rating on the conversion. If you do not have a non-roth IRA, both a. and b. are done tax free. That''''''''s why it makes sense to have a Solo 401K where you can park your non-Roth IRA money. Of course if your current employer allows, you should roll all your non-roth IRA to your current 401K. That should clear the way a. and b. yolandos 发表于 2023-01-20 16:43
That''s correct. IRA and 401K caps are not related. Once you reach 50, you also have additional 7500 catch up for your 401K (for 2023, also keep in mind that your employer 401K match is also subject to this total cap) and additional 1K catch up for your IRA.
另外, 懂的人能不能帮忙解释一下, 7-Day Yield 是什么意思?
7 day yield应该就是7天利率锁定。
最近7天平均利息
啊, 谢谢。 没想到每天的利息是不一样的。
哇, 这么好
Merrill Lynch 我都不知道它给多少, 感觉非常少。 所以我都转出来了。
你不会以为7天4pct吧 ..
最近7天的年化收益
注意,是收益,不是利息,这个不是银行存款,有损失本金的风险,虽然历史上只有一只money market fund曾经损失过本金。
Fidelity最高收益的money market fund是SPRXX
是哪一种? 能展开说说吗?
我怎么没看到SPRXX?
我只看到SPAXX, 然后它的下面有两个选项, default 是第一个FZFXX, 现在有3.99% FZFXX Fidelity® Treasury Money Market Fund Your cash is invested in a mutual fund and earns daily dividends, which are paid to you monthly.
FCASH Fidelity® Interest-Bearing Option Your cash is held at Fidelity as a free credit balance and earns daily interest, which is paid to you monthly
The seven-day yield is a method for estimating the annualized yield of a money market fund. It is calculated by taking the net difference of the price today and seven days ago and multiplying it by an annualization factor. Since money market funds tend to be very low risk, the higher the seven-day yield the better.
是啊, 所以我想是不是存CD比较好。 有意思的是1年的CD的利息比存多年的利息要高, 不知道怎么理解。懂行的人说说好吗?
我目前存了一些一年期和18个月的。
你这几个是core position的选项,SPRXX也是一个fidelity提供的money market fund, 但不是 core position的 选项。
你可以在 News & Research, Mutual Funds 页,在 Asset Class and Category 里选 money market,就可以找到它以及其它一些类似的fund了。
哦。好的, 太感谢了。 我去读读它的优缺点。。
谢谢 睿姐投资有一套, 我要多向你学习。
我的理解是这说明业内认为利率包括美联储基准利率在今后几年内会回落。
你如果要做长线固定收益投资,可以考虑买年金fixed income annuity,现在七年期的收益在5.65%左右。它的缺点是你如果在59岁半前到期取出的话,收益要交10%的penalty tax。但即便七年到期后你不想把钱再放在annuity里,而你年纪还没到59岁半,交完罚款后的收益也超过了5%。annuity不像401k和ira对收入有要求对金额有限制。所以放完了401k或ira后如果还想存点养老钱,fixed income annuity是个上佳选择。
https://fundresearch.fidelity.com/mutual-funds/summary/31617H201
I wonder if you are trying to buy from another broker? If so, you might be treated as "institutional investors". Just guessing.
https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp
这篇文章可以看看,俗称broke the buck。这种fund理论上是永远$1 NAV,所以就是每个月吃dividend。但降到1刀以下就叫broke the buck,2008年发生了一次,covid时几乎又要发生了,但被救了。
fidelity可以选default哪种money market 吗?现在默认都是spaxx, 3.85%
用户可以选SPAXX,FDIC,FDRXX三个中的一个作为core position,default是SPAXX。没投资的钱就自动放在这里面。如果要去投资的话,钱自动就从core position里取出了。
至于其它的那些money market fund,就需要像其它证券那样买进卖出了。
谢谢科普介绍。
你用的是这个吧 https://www.fidelityworkplace.com/s/401ksmallbusiness-pricing 对雇员一年的收费是 0.5%+$100。 像前年和去年上半年收益很低时,的确会亏钱。
我们同事说公司与fidelity交涉,手续费比较少因为是大公司。 现在我把money market funds钱及时转rollovers IRA买CD,不知道IRA account 是不是收费,感觉CD利息好像不对,有时间要仔细查一下每个CD利率是多少,利息是月付,半年付,一年付,还是最后付。 今天刚被同事教训,美国没有免费,手续费一定要付的。
RYPQX 以及 类似系列的?
记得当时因为持有一定比例的雷曼债券。
楼主money market都4% 多 为啥要折腾这种还有penalty的投资产品。。
但是如果准备59岁半后拿出来就没有penalty了。再说了money market的收益只是当前是4%,这是不断在变的,不是固定收益,怎么能和七年固定年利率5.65%相比较?
这是个好主意,我还以为只有前雇主的401k账户可以rollover,查了查现雇主的也可以 https://www.usmoneyreserve.com/news/executive-insights/can-you-transfer-401k-to-ira-while-employed/。可以rollover到fidelity的rollover ira账户里,fidelity不收任何管理费的。你可以在里面做各种投资,和通常的brokerage account一样,买CD,国债,基金,股票都可以。
fidelity里有很多brokeraged CD可选,利率比银行CD高些也一样保险。一般比较APY就知道收益高低了。注意买标明call protection的CD,不然市面上利息行情下滑时银行有权提前兑现CD。
有道理 我就是怕有的annuity有坑 上次有个保险经纪和我说annuity的收益比Ibond还高,百分之七还是八,我表示完全不可相信。天上哪有那么大的馅饼可以掉,所以赶紧就走了。 你说5.65%感觉可信一些。
我刚才照你说的买了sprxx了,多谢你
嗯,annuity 只有各个人寿保险公司提供,所以那些保险经纪既卖人寿保险又卖年金,但其实年金和保险是人寿保险公司的两大业务,不是说要买人寿保险才能买年金,两者没有关联。我的年金是通过我银行的财务顾问买的,好像也可以自己直接向公司买。网上有不少介绍文章可以参考,比如中文的 https://www.dealmoon.com/guide/929413
完全看不懂你的逻辑
卖f股票,赚了要支付capital gains tax .
钱变成现金放银行里有,利息又要付税。
现在通货没有下来,你把一个好的股票换现金拿利息?! Excuse me ? 熊市不是最好的买入好股票的时机吗? 即使不买,也不是卖大量股票的时机。 除非你现金流危险。
这是什么投资理财逻辑完全看不懂。 长远看完全don't make any sense at all ?!
Annuities 注意all kinds heavy fees
我推荐的是annuity中的一种 fixed income annuity。虽然我不了解所有annuity的fee,但我买的几个fixed income annuity都是没有fee的,也就是和CD一样,收益完全是用APY可以计算出的。和CD有点不同的是,CD是每年要为当年的收益交税的,即便CD还没到期钱没拿出来。而annuity则是钱取出时才为收益交税。
当然层主提醒得没错,买之前要问清楚fee。
这样就不能走后门 roth ira了。
卖空和卖你自己的股票是不同的事。卖空是卖你不拥有的股票。
不会吧,这些钱是她过去放入401k计划的,不应该算成今年的ira contribution。
Does my rollover count as a contribution? No. It is considered separately from your annual contribution limit. https://www.nerdwallet.com/article/investing/how-to-rollover-401k-roth-traditional-ira
If your current 401K is with fidelity, you could also buy FZDXX through Brokerage Link bypassing lots of restrictions in your 401K
实操,irs会找麻烦的,很难解释,以前每年都有类似帖子。。。
请问一下,FZDXX和SPAXX这些没有FDIC,那有其他的 insurance 吗?好像有个SPIC?
把401k里的钱转到rollover ira账户是个常见操作。这就是rollover ira账户存在的原因。当你换工作后,前雇主可以要求你把401k里的钱转出去,如果你的新雇主不提供401k,那唯一的选择就是转到某个brokerage的rollover ira账户。我也经历过,不明白有什么难以解释的。如果是不知道如何在税表里正确填,用个报税软件或找个会计师都会有帮助。
层主的意思是如果原先有rollover ira,再操作back door Roth 的时候需要pro rate,很麻烦。
刚电话问,确实非常少,要转出来到其他银行还不能自己网上操作,闻所未闻!考虑要都转出来。
That's right they are under SPIC insurance not FDIC.
There are also money market funds better than even FZDXX but requires 1MM && 10MM... if you have that much you can look them up. I think the best of these money markets funds is they are as liquid as cash that you can use them to buy stocks/ETFs etc etc directly without selling them first.
Still you should not put too much in your Fidelity Cash Management Account that is paying your day to day bills as you don't want to have a bad check/bill pay hit your account and drain your 100K FZDXX. Buy 100K FZDXX and call CSR to move the 80K into your brokerage account and leave 20K to cover your checks and bills.
哦,那和我说的不是一个话题
卖空= short stocks ?
如果你打算转到fidelity的话,可以先在那里开个rollover ira账户 https://www.fidelity.com/retirement-ira/401k-rollover-ira,然后进去request a transfer,填上Merrili Lynch的routing number和你那里账户的account number,再上传一张最近账户的statement,然后fidelity就会帮你和Merrili Lynch联系把钱转过来。一般需要一个月左右才能完成。
ira complicates annual backdoor roth as well as mega backdoor roth. Consider solo 401K instead of ira instead.
前面其它网友也有此说,不知有何出处,我没找到依据。如果你有网上关于这的科普文章,建议分享链接。
There are two types of backdoor roth. a. you contribute to your IRA annually and immediately move the fund to Roth IRA (aka backdoor roth) b. you contribute after-tax in your 401K and depending your employer you roll that portion of your 401K to your Roth IRA monthly (aka mega backdoor roth)
If you have an non-roth IRA, you are due tax estimate (the type you mentioned as rollover IRA) when you do your backdoor (both the two above). You can read about it in IRA regulation on apportioning or pro rating on the conversion.
If you do not have a non-roth IRA, both a. and b. are done tax free. That''''s why it makes sense to have a Solo 401K where you can park your non-Roth IRA money. Of course if your current employer allows, you should roll all your non-roth IRA to your current 401K. That should clear the way a. and b.
传统的401k计划是税前的,所以你说的a和b都不适用,我觉得这样的401k计划里的钱可以转到rollover ira账户里,而不产生税务影响。不知你同意否?
that's true there is no tax due for your move.
Anyone that has been doing the backdoor roth the past 12 years probably will never do that as that complicates the backdoor roth processes. (12 year would have translated to moving 400K into roth IRA).
这七天说的是过去七天,而不是将来七天。所以谈不上锁定,哪怕明天的收益都是未知的。
为啥我感觉钱的数目一直没变?请问哪里能看出得了多少利息?这个感觉要手动记下来,然后过几天看有没有增长?
每月的收益月底才会加上去。你在账户里应该可以找到过去每月的statement,比较下就知道每个月的收益了。
这位mm的回答总是那么informative!顺便问一下,401k的total limit今年是$66000,这个包含ira的$6500吗?如果不包含,401k+ira理论上最多能contribute 66000+6500=$72500,对吗?
2023年401k最多可以放的是22500
这两者的上限是分开的,两者都可以放到上限,如果符合收入要求。可以参考 https://www.investopedia.com/ask/answers/081414/can-i-contribute-roth-ira-and-still-participate-my-employersponsored-retirement-plan.asp
That''s correct. IRA and 401K caps are not related. Once you reach 50, you also have additional 7500 catch up for your 401K (for 2023, also keep in mind that your employer 401K match is also subject to this total cap) and additional 1K catch up for your IRA.
If you happen to be over 50, the cap is 30K for 2023.
在activity 里面可以找到每月的利息
我还在公司里工作59半后401k转rolloverIRA是可以,没有罚款
我年龄超过59.5所以我401K转rolloverIRA没有罚款
你要和401k计划管理者了解一下,是否允许你把钱转出去,是否会在一段时间内不允许新的contribution进401k账户,每个401k计划都有各自的规定。
要转就快点转吧,开年以来股市形势大好,买什么赚什么。
我去年开始转了全部,然后每月有401K进帐又转二次去买CD了,等fidelity 去年税表,今年报税就知道
通胀大跃进真是30K从26.5K