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Old 01-27-2013, 04:14 PM   #21
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The only things that come to mind as "Fido Special" were already mentioned: those Spartan funds (cheap!) and the AMEX rebate card. Spend money all year on the AMEX, send the rebates to a MM holding fund, then dump it all into your DW's solo 401K (plus whatever else is needed to meet her max/her goals) at the end of the year.
+1 - Spartan funds and 2% rebate AmEx.
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Old 01-27-2013, 06:23 PM   #22
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You may want to explore if DW's 401k has a self directed brokerage option. Be very careful when purchasing from Fido's limited menu of funds that may be offered inside her 401k. Many of them have the same top 10 holdings and that is no way to diversify. A sdb 401k can allow you to buy no tansaction fee funds from other MF companies or exchange traded funds within her 401.
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Old 01-27-2013, 06:33 PM   #23
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+1 - Spartan funds and 2% rebate AmEx.
+2.

Spartan funds, 2% Amex rebate and excellent tools such as RIP, portfolio review and full view.
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Old 01-27-2013, 06:35 PM   #24
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Originally Posted by heeyy_joe View Post
You may want to explore if DW's 401k has a self directed brokerage option. Be very careful when purchasing from Fido's limited menu of funds that may be offered inside her 401k. Many of them have the same top 10 holdings and that is no way to diversify. A sdb 401k can allow you to buy no tansaction fee funds from other MF companies or exchange traded funds within her 401.
This is a solo 401k, not a group plan. So when I log in it looks just like a brokerage account. It is mostly loaded with individual stocks and bonds.

In passing, the solo 401k is the only way it is worth her bothering to work. Everything she earns is at our marginal rate and includes the self employment tax, so it isn't hardto hit a 50% tax rate. We are conservative when filing our taxes, so we do not have things like the home office deduction or other fluff to hide stuff, and I refuse to be a tax cheat and not declare any of her income. But with the solo 401k all she has to pay is the self employment tax (about 15%). So long as we keep her net to 23K or so, we can shelter all of it.
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Old 01-27-2013, 09:45 PM   #25
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Ditto on the spartan funds, and the spartan advantage class funds (for $10k+?? min investment). Decent index funds with very low ERs.

Fee free trades of many ishares etfs. IVV SCZ IJR IJS to name a few index fund ETFs that are fee free (large cap, intl small cap, US small blend, US Small value, respectively). Easy way to save $8/trade and get some relatively decent ETFs if you are into index funds.
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