💎Get our popular bond course bundle & save $80: www.diamondnestegg.com/home#_paa2isucf 💎Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners 💎Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters 💎And join our super-supersaver membership for regular market updates & monthly live member Q&As th-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin >>>>>>>>>> WATCH NEXT >> Our Bond Courses vs TH-cam Membership | Which Is Right For You: th-cam.com/video/H5h4Eyh0hjo/w-d-xo.html >> Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: th-cam.com/video/uXPzbje1g2E/w-d-xo.html >> Bond Masters Course Sneak Peak | How To Build A Bond Ladder: th-cam.com/video/p90IDmXn19s/w-d-xo.html >>>>>>>>>> SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO: Broker Safety & SIPC Coverage 2024: th-cam.com/video/7Mmnd-UMKg8/w-d-xo.html How SIPC Works 2023: th-cam.com/video/kY5BswpUlf4/w-d-xo.html Recent Schwab Video: th-cam.com/video/-OwBA79uIt0/w-d-xo.html www.schwab.com/ www.fidelity.com/ investor.vanguard.com/corporate-portal www.blackrock.com/us/individual www.sec.gov www.advratings.com/top-asset-management-firms >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
I was a CFO who was a trustee for a 401k and pension account at Schwab. I found my personal account portal at Fidelity to be easier to use. Over time I migrated a Vanguard account and my wife’s Schwab account to Fidelity. I am happy with this decision. While I think all three firms are fine, it is more important to find the one you prefer and put all your accounts at one firm. The benefits of a single consolidated account statement when filing your taxes can’t be ignored.
I like Fidelity as well. My only argument is that many recommend not to have all your money at one institution that you access with one login and password. There are a few stories out there of people that their accounts were accessed even with 2FA and their voice recognition feature when calling them on the phone. You may want to consider having some of your funds elsewhere just in case, even if that means having an extra statement and login which is probably worth it compared to the alternative of being hacked...
@@J-2024-v8i I agree, my mom's accounts were accessed thru mine AND an old joint account Vanguard refused to take off the books by a friend of a family member. They were on a system of ours that apparently had saved MY user name and password. While I had no money in Vanguard any more they were able to get into mom's because I was the agent. We were able to lock it all down and prevent loss. Vanguard's failure to take the fraud seriously caused them to loss a second million + account. I really like Fidelity and am less happy now that Morgan Stanley took over eTrade, I really liked the platform and ease of transferring mom's money.
@@J-2024-v8i Yes. I've split up my assets with Schwab, Fidelity, a credit union and two banks. With the internet there is always the possibility of someone hacking one institution or another. I don't keep checking accounts or credit cards with every institution that I am with.
Fidelity seems much easier to use for some reason. I know some traders like ThinkorSwim but its to complicated for me. I think I get better execution of Fidelity. I keep some funds at my bank's brokerage so I have enough money for premier customer service and get access to their research. But I don't do much trading in that account. One thing I don't like about Fidelity is they keep tweaking the platform, which gets annoying at times to find what I want. It takes me more clicks to get the information I need. It's relatively easy to get service on the phone.
My wife and I have been with Fidelity for decades. They have served us well over the years and we have never seen any reason to consider moving our money elsewhere.
This was hardly my first DNE vid, but during this one the thought struck me how different my life might be if Jennifer had taught this stuff at my high school.
I used Fidelity for over 10 years. I have almost all types accounts in Fidelity, and some with Vanguard for testing. I love Fidelity more for its convenience on both Cash account and investment accounts. The best is the cash management tool, which automatically transfer funds to cover bill payments and withdrawals by moving fund stored in other accounts earning higher interest rate. So, I can keep small cash balance in Cash account.
Great job. I'm a 35+ veteran of the financial services industry with the last 18 years at Fidelity (retired now). Love the company. Great culture, generous, honest and my primary broker as well. 🙂
I've used primarily Vanguard since the mid 09's and had always felt like they were keeping us retail investors best interest in mind. In the last few years they seem to have abandoned the Bogle mindset and have thrown us under the bus in favor of institutional investors! Despite this I think they are starting to adjust to their new extra large amount of funds to handle so although I considered moving out of Vanguard, all in all they still are a very inexpensive firm to deal with. So if you were considering another video on Vanguard, I would be interested in seeing it.Thanks for the offer!
I have been a Fidelity customer for 38 years, and highly recommend them. Excellent service. Just wondering, if a private company decided to give to give inaccurate information, who oversees that? Is there any federal organization that (I guess the IRS would be it) that would investigate? As you know, for a public traded company that file quarterly/annual financial public reports that are audited by an external accounting firm, and subject to SEC review/enforcement. Executives of the company maybe held criminally responsible for filing false reports. Shareholder may sue the company, BOD, ect. Also isn't TROWEPRICE part of Vanguard? Keep up the great work.
Good video and good comparison with other brokerage firms. Been with Fidelity for 40+ years in both 401k and brokerage accounts. Very happy with them. I give Fidelity an A+.
I have a brokerage account at Fidelity (my savings) and Schwab (small inheritance). I like both companies and their apps, customer service, etc. Fidelity pays a better rate on idle cash. I just wanted to keep those monies separate.
As a retail options trader, I was very disheartened after Schwab purchased TD.. it's taken two years for them to actually transition over from the TD name to the swab name on their options platform.. probably a smart decision on their part.. unfortunately, even after 2 years Schwab totally messed up their transition from the thinkorswim platform over to theirs. It's been a couple of months since they've attempted to do this and they're still having issues to this day. It just does not appear that they have the talent that TD Ameritrade did.. Not only is their technology lacking but also their customer service.. the customer service downgrade was almost immediate after they took over in my experience.. I give TDS customer service an 8 and I'd give Schwab a 4 maybe 5.. I am slowly migrating my Schwab assets over to Fidelity..
I like their website and support. I do give them a lot of feedback on their site but not much ever happens as far as taking my suggestions. It is still very good.
I have a fidelity account as well. From your video you mention Fidelity is your primary account and my understanding from the video the other accounts you have at different brokers helps you with your channel. My question is if you did not have a you tube channel would you have all your eggs in the fidelity basket or would you still diversify your accounts?
Another vote for Fidelity customer service. 👍. Its easy to get a hold of someone in the first place. But also their online tools are very good. Not overly flashy, but still intuitive and easy to navigate.
Only problem I had was with the auto roll. I had some t-bills maturing on auto roll. I went to make a trade out of my cash and it was gone. After several calls, they explained that they used the cash for dept/collateral until the transaction had occurred. They explained that the t-bills were purchase ahead of time, and that cash wouldn't be back in my account untill the maturity date. I had to wait almost a week until that process took place.
Great video... thanks !! Quick question ... we currently have Fidelity & Schwab. Do you have a recommendation as to where we should go if we want to close Schwab? Thank you !!!
Jeffrey Gundlach yesterday recommended buying 2-5 year treasuries and that they would appreciate with declining rates, but the 2 year just took a big decline today...... can you discuss this strategy and who 2 to 5 year treasuries could appreciate with declining rates? Do you make more selling if rates decline than holding the treasuries to maturity?
I’ve found their offerings of Tbills, Agencies & bonds are more expensive & therefore lower yielding compared to Schwab & E*Trade offerings of treasuries, agencies & bonds.
Wonderful informative video , ive been w/ schwabs since oct of 21 ( when i didn't know much about the mrkt .) My tutor friend was with another brokarage & he liked my better . ? I think I'll try fidelity for something new . U never know what u can learn . Thank u
We have accounts with Fidelity, Schwab and Etrade (Morgan Stanley). Sometimes it's helpful to have accounts at multiple brokerages if your primary goes down.
I'd like to put in a word for doing a video on annuities. The particular thing I want to learn more about is the relationship between the broker that arranges the annuity and the insurance companies that handle the investment side and payout. I realize that many people are opposed to annuities but I have learned recently that I am at risk for the same thing that did in Robin Williams. In other words there's a serious possibility that I might go nuts and it might be wisest just to have somebody writing a check every month without any intervention on my part. At least for part of my funds. We should not assume, as we plan for old age, that we will have our marbles. Anyhow if I go to Fidelity and say I want an annuity they are going to pass me on to one of three or four insurance companies and that is the relationship I would like to know about.
I hired Fidelity to manage my IRA. It's not huge and I pay more than I'd like but I'm happy with their advice. They last year my manager suggest putting half my IRA into a 3yr fixed annuity, paying 5.35%. The annuity falls outside their management, so they lost money on the deal but suggested it anyway. The annuity allows a 10% withdrawal each year, with no penalty so, IMO, it didn't take a lot of thought. If, make that when, the market tanks, I can pull from the annuity (I'm retired).
I have had one of my accounts with Fidelity since 1990. I absolutely detest the way they report the cost of investments. Finding your true cost of an investment that has auto roll of dividends is a nightmare.
I'd love to see a session on cash management and high yield saving accounts at Fidelity. I notice more and more people are moving money out of traditional banks to Fidelity.
Fidelity is better then Schwab and Vanguard . There better than Schwab because they sweep your trading account to money market. There better than Vanguard because Vanguard doesn't let you trade leveraged stocks and there afterhours trading is very limited .
What do bond funds do to make money in periods of rising interest rates, and why did so many of them go down in share price in 2022, eswpecially when we can say everyone knew interest rates were going to go down as 2022 approached? And why are they still wallowing in reduced share price 2 years after their drop?
Unfortunately my Fidelity rep has not been very helpful. He refuses to answer any questions and just beats around the bush. He also does not reply to emails and we end up doing phone call tag. I'm sure it's just him and not the company overall and wish I could get a different rep. He looks straight out of college and feel he doesn't know the answer to my questions but won't admit it.
You stated the Fidelity charges a fee when you use there telephone services. I have been with Fidelity since the1980’s. Unless this is a new policy, they have never suggested or charged me a fee. I make very transactions so I am be ignorant here, or this may new. Please clarify. Thank you.
Great! Thanks so much! Love to know Is Vanguard still the same Vanguard for us “little investors”? I can’t wait to find out! Like How’s their services? Ease of use?
💎Get our popular bond course bundle & save $80: www.diamondnestegg.com/home#_paa2isucf
💎Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
💎Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
💎And join our super-supersaver membership for regular market updates & monthly live member Q&As th-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin
>>>>>>>>>>
WATCH NEXT
>> Our Bond Courses vs TH-cam Membership | Which Is Right For You: th-cam.com/video/H5h4Eyh0hjo/w-d-xo.html
>> Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: th-cam.com/video/uXPzbje1g2E/w-d-xo.html
>> Bond Masters Course Sneak Peak | How To Build A Bond Ladder: th-cam.com/video/p90IDmXn19s/w-d-xo.html
>>>>>>>>>>
SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO:
Broker Safety & SIPC Coverage 2024: th-cam.com/video/7Mmnd-UMKg8/w-d-xo.html
How SIPC Works 2023: th-cam.com/video/kY5BswpUlf4/w-d-xo.html
Recent Schwab Video: th-cam.com/video/-OwBA79uIt0/w-d-xo.html
www.schwab.com/
www.fidelity.com/
investor.vanguard.com/corporate-portal
www.blackrock.com/us/individual
www.sec.gov
www.advratings.com/top-asset-management-firms
>>>>>>>>>>
Here is the overview for Bond Beginners:
1. Bond Basics
What A Bond Is & How A Bond Works
Why Invest In Bonds
New Issue vs Secondary Market Bonds
Interest Rates & Bond Prices
Current Yield & Yield To Maturity
Always Remember This!
Buying At Par, Above Par & Below Par
Different Types Of Bonds
Wrap-Up
2. The Risks Of Bond Investing
Seven Key Bond Risks
Credit Risk
Interest Rate Risk
Reinvestment Risk/Call Risk
Inflation Risk
Liquidity Risk
Currency Risk & Country Risk
Bond Risk Mitigation Strategies
Wrap-Up
3. US Treasuries Overview
What Are US Treasuries
Why Invest In Treasuries
Where Can You Buy Treasuries
How Are Treasuries Taxed
Wrap-Up
4. Treasury Bills
What Are Treasury Bills (T-Bills)
When Do T-Bill Auctions Happen
Where Should You Buy At Auction
Auto-Roll When Buying At Auction
Where To Find Recent Auction Results
High Rate vs Investment Rate
Reopening Auctions
Cash Management Bills (CMBs)
Buying & Selling On Secondary Market
Wrap-Up
5. Treasury Notes & Bonds
What Are Treasury Notes & Bonds
When Do Auctions Happen
Buying Treasury Notes & Bonds
Auction High Yield vs Interest Rate
Floating Rate Notes (FRNs)
Treasury Zeros (STRIPS)
Wrap-Up
6. TIPS (Inflation-Protected)
What Are TIPS
When Do TIPS Auctions Happen
Nominal vs Real Yields
Negative Yields
How Do You Adjust TIPS For Inflation
Taxes On Phantom Income
Secondary Market Liquidity
Wrap-Up
7. I-Bonds (Inflation-Protected)
What Are I-Bonds
How Does I-Bond Interest Work
I-Bonds vs TIPS
The Annual I-Bond Limit
Wrap-Up
8. Agency Bonds
The Universe Of Bonds
What Are Agency Bonds
How Are Agency Bonds Taxed
Treasuries vs Agencies
Who Might Want To Consider Agencies
Yield-To-Call & Yield-To-Worst
Where Can You Buy Agency Bonds
Wrap-Up
9. Municipal Bonds
Our Bond Universe Gets More Complex
What Are Municipal Bonds
How Safe Are Munis
How Are Munis Taxed
The De Minimis Rule
Social Security & Medicare Premiums
Treasuries, Agencies & Munis
Who Might Want To Consider Munis
Wrap-Up
10. Corporate Bonds
Our Bond Universe Is Complete
What Are Corporate Bonds
How Safe Are Corporates
Corporate Bond Hierarchies
Five Key Features Of Corporate Bonds
How Are Corporates Taxed
Treasuries vs Corporates, Etc.
Who Might Want To Buy Corporates
Wrap-Up
>>>>>>>>>>
Here is the overview for Bond Masters:
1. Stocks vs Bonds
Historical Performance
Are Bonds Really Less Volatile
Why Invest In Bonds
Accumulation vs Decumulation
Allocation of Stocks vs Bonds
Wrap-Up
2. Which Bonds Might Be Right For You
Treasuries & Other Types of Bonds
Nominal vs Real Yields
Inflation vs Non-Inflation-Protected
Taxable vs Tax-Advantaged Accounts
Wrap-Up
3. Bond Ladders & Other Bond Strategies
Normal vs Inverted Yield Curve
What Is A Bond Ladder
5 Important Bond Laddering Questions
Laddering When Rates Are Rising
Laddering When Rates Are Falling
Laddering When Rates Are Uncertain
What Is A Bullet
What Is A Barbell
Wrap-Up
4. Holding to Maturity vs Selling Early
Why Hold to Maturity
When To Sell Early Before Maturity
Tax Implications Of Selling Early
Wrap-Up
5. Individual Bonds, Bond Funds, Etc.
Why Buy Individual Bonds
Why Buy Bond Funds
Bond Fund Considerations
Key Bond Fund Concepts
CDs vs Treasuries
Other High-Yield Investments
Wrap-Up
6. Our B.E.S.T. Model Portfolios By Age
Our B.E.S.T Model Portfolios By Age
Model Portfolios In The Industry
B.E.S.T Model Portfolio Difference
How Much Do You Need To Retire?
How I Use The Rules of 100, 110, & 120
B.E.S.T Model Portfolios (20s)
B.E.S.T Model Portfolios (30s & 40s)
B.E.S.T Model Portfolios (50s & 60s)
B.E.S.T Model Portfolios (70s+)
Wrap-Up
7. The Decumulation Phase
What Is The Decumulation Phase?
Bear Markets & Recessions
What Can You Do In Bad/Bear Markets
Decumulation Tax Considerations
The 4% Rule
The Bucket Strategy
The Flooring Approach
Jen’s Bucket Strategy With A Twist
Wrap-Up
>>>>>>>>>>
Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that:
1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances
2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
The customer service at Fidelity is incredible !!
I was a CFO who was a trustee for a 401k and pension account at Schwab. I found my personal account portal at Fidelity to be easier to use. Over time I migrated a Vanguard account and my wife’s Schwab account to Fidelity. I am happy with this decision. While I think all three firms are fine, it is more important to find the one you prefer and put all your accounts at one firm. The benefits of a single consolidated account statement when filing your taxes can’t be ignored.
I like Fidelity as well. My only argument is that many recommend not to have all your money at one institution that you access with one login and password. There are a few stories out there of people that their accounts were accessed even with 2FA and their voice recognition feature when calling them on the phone. You may want to consider having some of your funds elsewhere just in case, even if that means having an extra statement and login which is probably worth it compared to the alternative of being hacked...
@@J-2024-v8i I agree, my mom's accounts were accessed thru mine AND an old joint account Vanguard refused to take off the books by a friend of a family member. They were on a system of ours that apparently had saved MY user name and password. While I had no money in Vanguard any more they were able to get into mom's because I was the agent. We were able to lock it all down and prevent loss. Vanguard's failure to take the fraud seriously caused them to loss a second million + account. I really like Fidelity and am less happy now that Morgan Stanley took over eTrade, I really liked the platform and ease of transferring mom's money.
@@J-2024-v8i Yes. I've split up my assets with Schwab, Fidelity, a credit union and two banks. With the internet there is always the possibility of someone hacking one institution or another. I don't keep checking accounts or credit cards with every institution that I am with.
I think fidelity is great! Service always great. Formats to trade and transfer money so easy. How you can you beat a fund you can start with $ 1.
Fidelity seems much easier to use for some reason. I know some traders like ThinkorSwim but its to complicated for me. I think I get better execution of Fidelity. I keep some funds at my bank's brokerage so I have enough money for premier customer service and get access to their research. But I don't do much trading in that account.
One thing I don't like about Fidelity is they keep tweaking the platform, which gets annoying at times to find what I want. It takes me more clicks to get the information I need. It's relatively easy to get service on the phone.
My wife and I have been with Fidelity for decades. They have served us well over the years and we have never seen any reason to consider moving our money elsewhere.
Love the easy way you present the info - thanks 😊
You should put out a course on how to make effective presentation. You are awesome at explaining complex topics in simple terms. Great job!
This was hardly my first DNE vid, but during this one the thought struck me how different my life might be if Jennifer had taught this stuff at my high school.
Couldn't've been happier with Fidelity's customer service! They're alway responsive, patient and informative, whether on the phone or subreddit.
I wish I would have started with Fidelity to be honest. I am with Fidelity now tho.
My whole family investing with Fidelity. I have both Vanguard and Fidelity.
I used Fidelity for over 10 years. I have almost all types accounts in Fidelity, and some with Vanguard for testing. I love Fidelity more for its convenience on both Cash account and investment accounts. The best is the cash management tool, which automatically transfer funds to cover bill payments and withdrawals by moving fund stored in other accounts earning higher interest rate. So, I can keep small cash balance in Cash account.
Great job. I'm a 35+ veteran of the financial services industry with the last 18 years at Fidelity (retired now). Love the company. Great culture, generous, honest and my primary broker as well. 🙂
In 2011 many workplaces switched their retirement accounts from TIAA to Fidelity. I'm sure that had a big impact on its growth.
Yes, Vanguard video please, thank you!
And please help us understand how system of checks and balances at works at Vanguard. We have significant money with them.
Yes, please review Vanguard also! Thank you.
Another vote for a Vanguard video. Love your videos!
I've been with Fidelity for decades
Thanks for the detailed overview of Fidelity. I've been with them for almost a year and I'm a happy customer. Keep up the great work!
I've used primarily Vanguard since the mid 09's and had always felt like they were keeping us retail investors best interest in mind. In the last few years they seem to have abandoned the Bogle mindset and have thrown us under the bus in favor of institutional investors! Despite this I think they are starting to adjust to their new extra large amount of funds to handle so although I considered moving out of Vanguard, all in all they still are a very inexpensive firm to deal with. So if you were considering another video on Vanguard, I would be interested in seeing it.Thanks for the offer!
One thing for sure, if there is a problem at Fidelity, Jennifer will put out a video pronto.
I have been a Fidelity customer for 38 years, and highly recommend them. Excellent service. Just wondering, if a private company decided to give to give inaccurate information, who oversees that? Is there any federal organization that (I guess the IRS would be it) that would investigate? As you know, for a public traded company that file quarterly/annual financial public reports that are audited by an external accounting firm, and subject to SEC review/enforcement. Executives of the company maybe held criminally responsible for filing false reports. Shareholder may sue the company, BOD, ect. Also isn't TROWEPRICE part of Vanguard? Keep up the great work.
Good video and good comparison with other brokerage firms.
Been with Fidelity for 40+ years in both 401k and brokerage accounts.
Very happy with them.
I give Fidelity an A+.
I have a brokerage account at Fidelity (my savings) and Schwab (small inheritance). I like both companies and their apps, customer service, etc. Fidelity pays a better rate on idle cash. I just wanted to keep those monies separate.
I’m with have both as well as does wife
Me too. But my kid has an acct with Vanguard and the cash plus rate of 4.6% beats Fidelity for FDIC-insured choice of sweep acct for uninvested cash.
I have a similar set up for similar reasons.
Yes to Vanguard video! Thank you!
Shoutout to Fidelity! I’ve been invested with Fidelity for quite some time now, so this video does make me feel better about where my money is parked.
I have money in both Fidelity and Schwab (because of TD merger). Wanted to diversify. I’ve been with Fidelity since 1987.
As a retail options trader, I was very disheartened after Schwab purchased TD.. it's taken two years for them to actually transition over from the TD name to the swab name on their options platform.. probably a smart decision on their part.. unfortunately, even after 2 years Schwab totally messed up their transition from the thinkorswim platform over to theirs. It's been a couple of months since they've attempted to do this and they're still having issues to this day.
It just does not appear that they have the talent that TD Ameritrade did.. Not only is their technology lacking but also their customer service.. the customer service downgrade was almost immediate after they took over in my experience.. I give TDS customer service an 8 and I'd give Schwab a 4 maybe 5..
I am slowly migrating my Schwab assets over to Fidelity..
Another vote for a Vanguard video! Thanks!
Thank you so much for the coverage on Fidelity. Please do one for Vanguard as well.
I have one account with Vanguard, and another with Fidelity. Both are great.
your videos are quite valuable and greatly appreciated. thank you.
I like their website and support. I do give them a lot of feedback on their site but not much ever happens as far as taking my suggestions. It is still very good.
I have a fidelity account as well. From your video you mention Fidelity is your primary account and my understanding from the video the other accounts you have at different brokers helps you with your channel. My question is if you did not have a you tube channel would you have all your eggs in the fidelity basket or would you still diversify your accounts?
I'd be interested in a Vanguard video!!
Fidelity's service and online system are great but it has always seemed a little mysterious. Thank you for this video 👏
I 💚 Fidelity. They've been great over the years.
Happy with Fidelity
Yes, please give us a comparison of Fidelity with Vanguard. You're doing a great service for us!
Yes, I would love a similar video on Vanguard, thank you!
Yes, video about Vanguard would be great. Thank you for the work you do!
Thank you for the Fidelity information. You are so awesome!!
Yes, a Vanguard video, please.
Another vote for Fidelity customer service. 👍. Its easy to get a hold of someone in the first place. But also their online tools are very good. Not overly flashy, but still intuitive and easy to navigate.
Thank you, Jennifer! So helpful (and nicely confirming ;) ). Great thorough research, so appreciated.
Thank you for the detailed comparisons !
yes to a Vanguard video.
Yes to a Vanguard video. Thanks for all you do! 😊
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Only problem I had was with the auto roll. I had some t-bills maturing on auto roll. I went to make a trade out of my cash and it was gone. After several calls, they explained that they used the cash for dept/collateral until the transaction had occurred. They explained that the t-bills were purchase ahead of time, and that cash wouldn't be back in my account untill the maturity date. I had to wait almost a week until that process took place.
I find that as well.
I've invested with Fidelity for years, great company.
Great video... thanks !! Quick question ... we currently have Fidelity & Schwab. Do you have a recommendation as to where we should go if we want to close Schwab? Thank you !!!
Yes VG video please.
Jeffrey Gundlach yesterday recommended buying 2-5 year treasuries and that they would appreciate with declining rates, but the 2 year just took a big decline today...... can you discuss this strategy and who 2 to 5 year treasuries could appreciate with declining rates? Do you make more selling if rates decline than holding the treasuries to maturity?
Yes, Vanguard, please.
I’ve found their offerings of Tbills, Agencies & bonds are more expensive & therefore lower yielding compared to Schwab & E*Trade offerings of treasuries, agencies & bonds.
Yes please.similar video for Vanguard ❤
Please do a look at Vanguard!
Wonderful informative video , ive been w/ schwabs since oct of 21 ( when i didn't know much about the mrkt .) My tutor friend was with another brokarage & he liked my better . ? I think I'll try fidelity for something new . U never know what u can learn . Thank u
Yes i would appreciate a vanguard video .thank you
Yes please do Vanguard. I split my portfolio evenly. between Fidelity and Vanguard
We have accounts with Fidelity, Schwab and Etrade (Morgan Stanley). Sometimes it's helpful to have accounts at multiple brokerages if your primary goes down.
Great video. Would very much like to see you do one on Vanguard as well. Thanks!
Yes a Vanguard deep dive would be great....
Yes, please a vote on Vanguard Video. Thank you, Jennifer!
This is very interesting and informative. I'd love to see a video like this on Vanguard. All your videos are excellent. I've learned so much!
I'd like to put in a word for doing a video on annuities. The particular thing I want to learn more about is the relationship between the broker that arranges the annuity and the insurance companies that handle the investment side and payout. I realize that many people are opposed to annuities but I have learned recently that I am at risk for the same thing that did in Robin Williams. In other words there's a serious possibility that I might go nuts and it might be wisest just to have somebody writing a check every month without any intervention on my part. At least for part of my funds. We should not assume, as we plan for old age, that we will have our marbles. Anyhow if I go to Fidelity and say I want an annuity they are going to pass me on to one of three or four insurance companies and that is the relationship I would like to know about.
I hired Fidelity to manage my IRA. It's not huge and I pay more than I'd like but I'm happy with their advice. They last year my manager suggest putting half my IRA into a 3yr fixed annuity, paying 5.35%. The annuity falls outside their management, so they lost money on the deal but suggested it anyway. The annuity allows a 10% withdrawal each year, with no penalty so, IMO, it didn't take a lot of thought. If, make that when, the market tanks, I can pull from the annuity (I'm retired).
Thanks for sharing this info. I am interested in a Vanguard video of the same sort. 😊
Yes I would love a Vanguard video.
Please do a video on Vanguard. Great channel!!
Thank you for this post on Fidelty. Great data.
Yes to the Vanguard story, pls.
I have had one of my accounts with Fidelity since 1990. I absolutely detest the way they report the cost of investments. Finding your true cost of an investment that has auto roll of dividends is a nightmare.
Vanguard details please! Thanks for your insight.
Vanguard video too please. Love your content.
Love all your videos. Plz make similar video with Vanguard.
Thank you!
Yes Vanguard please.
Thanks
I love Fidelity. have all my accounts there. (including my cash management account - Checking account using 3rd party bank)
Yes! Vanguard please.
I'd love to see a session on cash management and high yield saving accounts at Fidelity. I notice more and more people are moving money out of traditional banks to Fidelity.
As usual, an exemplary episode Jennifer! Just a thought, Brokerage firm managed by a woman is doing far better than others 😃?
yes, Vanguard pls.
Should I keep more than 250K w/ Fidelity? If that's all FDIC insured.
Google SIPC. Most brokerage accounts should be covered by SIPC which is $500k per account. You need to ask though.
Accounts are insured by SIPC
Great info. Thanks for posting.
Can you do a similar video on Fisher Investments ?
If you call these people and you have more than a half million dollars to invest, Fisher Investments will harass you until you tell them to get lost!!
Just excellent!
Please do a video on Vanguard.
Fidelity is better then Schwab and Vanguard . There better than Schwab because they sweep your trading account to money market. There better than Vanguard because Vanguard doesn't let you trade leveraged stocks and there afterhours trading is very limited .
Do a similar video for Vanguard. Thanks.
Have my retirement account with Fidelity doing great go APPLE
Thanks!
Their operating margin is my cost lol Fidelity has been a winner for me
Thank you for the info. Yes, Vanguard video please.
for equities: Fidelity let's you vote on shareholder events, whereas I know Vanguard does not.
Not sure on the other brokerages
I vote for a Vanguard video.
What do bond funds do to make money in periods of rising interest rates, and why did so many of them go down in share price in 2022, eswpecially when we can say everyone knew interest rates were going to go down as 2022 approached? And why are they still wallowing in reduced share price 2 years after their drop?
Yes please do a Vanguard video
Yes, please do a Vanguard video!
Vanguard video please 😊
Please do Vanguard video
Fidelity charges too much, and I wasn't confident about the agent assigned to me.
Unfortunately my Fidelity rep has not been very helpful. He refuses to answer any questions and just beats around the bush. He also does not reply to emails and we end up doing phone call tag. I'm sure it's just him and not the company overall and wish I could get a different rep. He looks straight out of college and feel he doesn't know the answer to my questions but won't admit it.
I would like a video on vanguard
You stated the Fidelity charges a fee when you use there telephone services. I have been with Fidelity since the1980’s. Unless this is a new policy, they have never suggested or charged me a fee. I make very transactions so I am be ignorant here, or this may new. Please clarify. Thank you.
Great! Thanks so much! Love to know Is Vanguard still the same Vanguard for us “little investors”? I can’t wait to find out! Like How’s their services? Ease of use?
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Please provide a similar discussion regarding Vanguard, thank you!