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Old 12-24-2020, 08:27 AM   #81
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I'm not sure how much it matters that Fido doesn't give estimates. VG estimates always seem low, so all you can do is figure a ballpark amount to convert or whatever you want to do with extra tax space at year end. If you are anywhere near a cliff you wouldn't dare take any action with the estimates.
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Old 12-24-2020, 10:39 AM   #82
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Join Date: Nov 2010
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Talk about a wierd year. Normally I would have been all over this thread and projecting my taxable account dividends, how much is qualified or not, estimating how much my foreign taxes paid would be, how much of a Roth converison I should do, etc. But this is the first time that I have viewed this thread. Since I sold all my equities in the spring and the LTCG filled up my 0% capital gains tax bracket and spilled a little into 15% I don't give a care.

A bit of FOMO seeing how the markets have rebounded so strongly, but I still think that eventually stock values will align with the economy and decline dramatically. If they don't then valuations are so crazy that I have no interest in playing the game.

I will do a Roth converion for about 80-90% of what I think I'll be able to do early in 2021 and then top it up at the end of 2021.
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Old 12-24-2020, 11:44 AM   #83
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Originally Posted by scrabbler1 View Post
I don't get email alerts on my non-IRA (taxable) account, only the IRA account. This is because of a bug in Fidelity's system they are unwilling to fix. My non-IRA account is not a brokerage account but instead one of their old Mutual Fund-only accounts, one I have had for 30 years. They don't want their clients having MF-only accounts, so they are unwilling to make any fixes to them. I like having a MF-only account because it is easier to make transfers into and out of Fidelity, so this is the price I pay for being a long-term client. I have complained about this over the years after I lost this handy email-alerts perk following some unknown system change.

It was only after I signed into my account did I notice not one but two "spike" distributions, one in the IRA and the other one in the non-IRA.
I get the alerts from my taxable accounts. I don’t have them set up for the IRAs.

Oh, my main taxable account is a brokerage. I finally got rid of my Fidelity mutual fund only accounts as they were too restrictive. I have no trouble doing transfers in and out of Fidelity from the brokerage accounts. It’s the fastest for me. It’s usually same day, whereas in my old Fidelity mutual fund only account the transfer would not occur until the next day because they always waited until after market close.
Retired since summer 1999.
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