Vanguard — Pain Points (Archive Scan)

I’m seeing a major discrepancy in how Fidelity reports NEOS ETFs (BTCI, CSHI) on 1099-DIVs compared to Vanguard, and I’m trying to determine if Fidelity actually corrects this before April. **The Issue:** On my Fidelity 1099, BTCI/CSHI distributions from Jan–May show a high Return of Capital (ROC) as expected. However, from June–Dec, Fidelity is reporting a \~50/50 split between Ordinary Dividends…

Outside of my 401(k), I hold only cash and VT (technically VTWAX, but whatever). I’m looking for creating a separate investment that I can use as a “capital improvements fund,” for lack of a better word: To fund large medium-term purchases that can theoretically wait out a market downturn, such as large home improvements or a car. I contemplated just adding bonds to my existing holdings until I ge…

I am self employed. I have a 401k I opened with Vanguard and I have everything in their 2065 target retirement account. The account got rolled over into Ascensus. I discovered on a call just now with Ascensus that my fees will be increasing to over 100 a year. Coupled with how much I hate the interface, and I wanna transfer my 401k someone else. Ideally, I'd keep it with the Vanguard 2065 target b…

Honest question. If you are with Fidelity and say you have the total market index fund FSKAX. What is the point of buying VTI, a vanguard ETF? I saw someone comment a couple weeks back saying that they do this, they have mostly FSKAX, but they bought the ETF from vanguard because they wanted to see the amount moves throughout the day like a stock and that it is technically better than FSKAX but th…

[Vanguard Announcement](https://corporate.vanguard.com/content/corporatesite/us/en/corp/who-we-are/pressroom/press-release-vanguard-to-deliver-more-than-half-a-billion-in-expected-savings-to-investors-since-2025-020226.html) [Fund List](https://corporate.vanguard.com/content/dam/corp/articles/pdf/expense_ratio_reduction_jan2026.pdf) Vanguard continues to cut fees. Not on the main funds (VTI, VOO, …

like the title states, I am tired of my money deflating with the dollar decline, and want to know what you guys think about international efts available in US Vanguard. gold is not really gaining, it's the dollar deflating. the AI thing may continue but I feel like it's going to torch so many fundamentals that the whole economy is tanking slowly right now. so what are your bets?

Old employer had Vanguard New employer has Fidelity Can i just transfer the old into the new and move forward with all the money in the same account that I keep contributing into via my current employer?

My wife (62) and I (63) are late to the retirement‑planning game, and we’re trying to make the best of our existing Solo 401(k) that consists **Pre‑Tax Solo 401(k), with an In‑Plan Roth.** The Solo plan was established in 2018 at a small brokerage, and for the past four years, we’ve been doing **in‑plan Roth conversions** to take advantage of our relatively low tax bracket. Our goal is to continue…

I have an account with Fidelity and was sent an email about voting for my policy on proxy voting. There are 5 choices, Company board, Egan Jones, Glass Lewis, mirror and Fund proxy. The problem is that, while I understand what the words mean, I'm not sure about how it will affect things. Will it effect earnings? I don't have a head for these things. Thank you for any advice. I'm sorry if this is t…

In my Vanguard Roth, I have 56 shares of SPTE so far. I also have large shares of SPUS. Now, I see that vanguard option to re-invest dividend for SPTE is not allowed but SPUS is. Can this be done within Fidelity Roth if I decide to move my entire Roth?

I'm trying to do a "push" ACH transfer to Vanguard. It just says "We need more information" and gives me the MC Data Connect link. I've tried this from different browsers, and devices and thecresult is the same. Has anyone found a workaround? Or will I need to have Vanguard pull from Fidelity?

Formerly Leap Therapeutics (LEAP) now rebranded to Cypherpunk Technologies (CYPH) this company has been intriguing me for a few months now. Apparently its an odd blend of pharma and crypto currency. They currently have an anti-cancer drug going through phase 3 trials, but attendant to this are also a crypto currency enterprise with Cypherpunk Technologies holding nigh on 2% of "Z-CASH" the anonymo…

Hello, I am 53 and my full 401k has been in short-term reserves with Vanguard. I have 13-15 more years till retirement and I’d like to invest into Vanguard Domestic Stocks to maximize my returns. I was interested in investing in VOO until I have 4-5 years left to retire, then my plan is to re-allocate more into bonds. However I don’t see an option for VOO or an ETF that tracks the S&P 500 index. I…

In the Fidelity "Performance" tab for my Roth IRA, I see a column for "Contributions" (as well as Market, Dividends, and Interest gains/losses). That's great and useful for planning a pre-59.5 non-taxable, non-penalty withdraw that I'm considering. The complication is that I transferred this Roth IRA into Fidelity from an old Vanguard Roth IRA account about 2 years ago. And Fidelity doesn't seem t…

Hey, ya'll! I've been wanting to invest for years, but wasn't able to financially do so until recently - I've got a very modest amount of money in my savings account ($3,000) and would like to just do small, low-risk long-term investing. With all of this into consideration, are any of these three brokers better than the others? At 25 I might be a little late to the game and I will hopefully start …

NY/CA/CT. Tax time. I earned interest in 2 Vanguard positions: VUSXX and VMFXX I earned interest in 2 Fidelity positions: SPAXX and FDLXX Which ones are Federal tax exempt? None Which ones are state tax exempt? Looking for breakdown doc telling if it met the 50% threshold for all 4 quarters... FIDELITY Percentage of Income from U.S. Government Securities (PDF) SPAXX - Fidelity Government Money Mar…

I opened a ROTH IRA through an advisor 5 years ago. I was/am very ignorant of investing. One of my friends who is more savvy recommend I look into ditching the advisor and doing it myself to save on fees. I looked through my statements and saw around $300 advisor fees charged to my account quarterly for 2025. That's around $1200 a year in fees! I checked 2021-2024 and it was only a $40 fee once pe…

Hey guys, my wife hasn’t rolled over her old 401k into her new one. I was looking at it today and she’s paying like an 11 dollar fee and I think a 2 dollar fee every quarter. I need to look at her new employer’s 401k to roll into it at some point, but I was curious if there’s any negative impact on changing from the vanguard TDF to a Fidelity 2065 TDF? Would she be selling her previous allocation …

Last year (2025) around October I transferred my Roth and brokerage account from vanguard to fidelity. I did receive tax documents from vanguard but fidelity also told me they were waiting on forms from vanguard. My fidelity forms are now available to me. So would fidelity include my vanguard taxes or would I need to use both?

Most of my holdings in Vanguards are in VHYAX and VFIAX. I am seeking out the option of transferring my assets to Fidelity but would like to maintain low fees. What are my best options \- transfer, keep current index funds in perpetuity. Using reinvestment towards other Fidelity owned funds like FXIAX to minimize fees \- transfer, sell and buy Fidelity owned funds \- keep current Vanguard account …

Long story short I have a traditional IRA that I'm not contributing to, just letting it ride. Plan on retiring in 17-20 years. It's an Advised account, currently has 175k in it. The advisor has it pretty diversified. I'm just about ready to cancel the advisor service and go back to controlling it myself. it's split roughly evenly between VADGX, VADVX, VAIGX, VHCAX, VTSAX, VZICX, VTI, and VXUS. It'…

Late 20s, have already maxed tax advantage accounts. Looking to start with investing \~5000 initially and then 2,000 per month from there into simple moderately aggressive plan. Looking for advice between ETFs and mutual funds, planning on putting majority into total stock market and then some into international markets. Open to advice! Thank you in advance

I tried posting a version of this on another subreddit and was met with universally negative reactions. Basically, as a HNWI, given current public market valuations, I have been diversifying my portfolio away from pure ETFs of public stocks (which still constitute a majority of my holdings). Longer term, Private equity has outperformed public markets. Even Vanguard thinks next ten years PE will ou…

thank you for reading the post. and thank you again for suggestions. https://preview.redd.it/fd3eosz4q6kg1.png?width=2548&format=png&auto=webp&s=74cf0488a7c7c6ac39ecf0cc0e394abb35475b70 https://preview.redd.it/xba27dk6q6kg1.png?width=2540&format=png&auto=webp&s=695506e0ddc01df42ea4c8208b92e3a3f5f5c8fa |**VBIRX** VANGUARD SHORT-TERM BOND INDEX ADM |$|||||||| |:-|:-|:-|:-|:-|:-|:-|:-|:-| |**VBMPX** …