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You'll get it back in higher dividends and increased NAV.

If you haven't sold shares, you haven't lost anything.

You'll be happy you didn't in a year or two.

Receiving SS doesn't reduce your expenses. It adds an income stream.

+1 +1

relevant thread on bogleheads: Expected return on Fixed Indexed Annuity - Bogleheads.org

+1 Another vote for UTMA.

Folks are being overly conservative in this thread, IMO. Massive drops in equities (great depression, great recession) are taken into account in the planning tools such as firecalc. If firecalc and the others say you are good to go, and you have a solid understanding of your expenses, I think...

I've used Empower as an aggregator in the past. Before you go that route, ask yourself if you are comfortable giving out credentials for your financial accounts. There are lots of threads over on bogleheads.org on this subject, if you want to do some reading. I no longer use any aggregators. I...

Fidelity will probably pay that fee for you, but double check.

I would not be comfortable with a 3.5% WR at 46 years of age. My ceiling would be 3%. You might be looking at 50 years of retirement.

+1 Too early to think about specific plans.

There are dozens of Fidelity vs Vanguard threads over at bogleheads.org for those that are thinking of switching. Given the better web site, better service, brick and mortar locations and equal or lower cost at Fidelity, I don't see any reason not to switch.

google.com/search?q=fire+acronym

No. Dividends are a component of portfolio growth.

I would rely on what input you've received from bogleheads. Lots of wisdom over there. You also need to realize that the current interest rates are not going to last forever.

So, you got something free from Fidelity, there was some kind of technical snafu which was resolved by TurboTax, and now you want to punish Fidelity? ???

The OP said this came via snail mail, not email. fundreports.com seems to be a legit site. OP - please contact Fido and let us know the outcome. I'd be surprised if a scammer would go through the hassle/expense of doing something like this via physical mail.

Contact Fidelity if you want confirmation that it is legit. I didn't receive this notice, but we get all communications electronically, so it wouldn't apply to us.

No. You rebalance to maintain your desired level of risk, not improve returns.

Yeah, they don't list them by ticker, unfortunately. Need to search for "Treasury Money Market Fund" and "Government Money Market Fund" in your case. Here's the same document from 2022, to give you an idea of how they change...

Unfortunately, there's no way to know until the end of the year. The percentage of government obligations varies from year to year. Here is last year's data: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/TY23-GSE-Supplemental-Letter.pdf Unless you are holding a massive...

Enter your SS into firecalc, and then explore to see what your annual withdrawals could be while maintaining 95/100% success rate. What percentage of that number you'd be comfortable with is up to you. I like to keep ours under 2/3 of that value (being conservative in early years of retirement...

You are timing the market. If you need cash, sell. If you don't, don't.

Do it yourself. No need to give away tens of thousands of dollars every year. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit