Tourist Questions

First time visitor from the US for a couple of days next month and have a few questions. We will be staying at the Scandic Grand Central Station.

Any recommendations for a good reasonably priced dinner nearby?

Do most Finnish restaurants in the downtown/tourist/harbor areas have menus available in English?

My wife is a Diet Coke addict - she lives on three a day. Is there a small grocery or convenience store near the station to buy some?

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u/Hoya82 — 1 day ago

Roth Conversion Question

I am over 59.5 and have a traditional IRA at Fidelity and no Roth IRA. I plan to make conversions to a Roth IRA starting in 2027. It doesn’t make any sense for me to convert anything of consequence in 2026 that due to tax reasons.

I am trying to understand whether and how the 5 year rule applies to me and, if it does, whether there is any advantage in doing a small Roth conversion in 2026 to get the 5 year clock started.

I guess my questions is, since I’m over 59.5, do I still have to wait 5 years post-conversion to avoid any penalty or taxes on a withdrawal of earnings? And if it does, is there a separate 5 years clock for each conversion?

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u/Hoya82 — 3 days ago
▲ 2 r/etrade

Brokerage Account “Core” Positiom

Does an ETrade brokerage account pay interest on unvested cash similar to the way Fidelity does on the core balance its brokerage account?

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u/Hoya82 — 5 days ago

Security Code Question

I have an iPhone and use FaceID to enter my password to logon to the Fidelity app. Is there a way to avoid having to enter in a code that’s texted my phone every time I logon?

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u/Hoya82 — 9 days ago