u/Regular_Grapefruit87

Does anyone have anything to say about Lands End jeans and their Athletic vs their Classic cuts?

I'm trying to maximize storage in a very small apartment closet and am considering Elfa versus PAX or other closet systems.

My priority is space efficiency rather than appearance — i.e., which system makes the best use of the actual width, depth, and height of the closet, with the least space lost to framing, side panels, fixed module sizes, etc. Has anyone compared Elfa with PAX, EasyClosets, ClosetMaid, California Closets, or similar systems from that perspective?

I'm especially interested in experience with small NYC-sized closet

I understand that I can transfer individual stocks in kind to a self-directed brokerage account without realizing gains. My concern is that I don’t want to end up personally managing hundreds of individual positions. I just don't have the brains to do that cleverly.

What I’m trying to determine is whether, while the FidFolio is still managed, I can gradually withdraw money in a way that preferentially sells positions/lots with losses or minimal gains and then use those proceeds to buy an ex-US index fund.

More specifically, is there an in-app or online setting in Managed FidFolio that tells Fidelity to sell positions with losses first and direct the proceeds to another Fidelity account, or is that something I would need to arrange with an advisor?

Maybe another way of putting it is: normally the algorithm is set to sell and reinvest. Is it possible to set it to just sell? And where would the proceeds go? That would be easy enough for me to track and, little by little, invest in an ex-US fund in my regular taxable Fidelity account

Very grateful for any advice.

I understand that I can transfer the individual stocks in kind to a self-directed brokerage account without realizing gains. My concern is that I don’t want to end up personally managing hundreds of individual positions. I just don't have the brains to do that cleverly.

What I’m trying to determine is whether, while the FidFolio is still managed, I can gradually withdraw money in a way that preferentially sells positions/lots with losses or minimal gains and then use those proceeds to buy an ex-US index fund.

More specifically, is there an in-app or online setting in Managed FidFolio that tells Fidelity to sell positions with losses first and direct the proceeds to another Fidelity account, or is that something I would need to arrange with an advisor?

Maybe another way of putting it is: normally the algorithm is set to sell and reinvest. Is it possible to set it to just sell? And where would the proceeds go? That would be easy enough for me to track and, little by little, invest in an ex-US fund in my regular taxable Fidelity account.

Very grateful for any advice.

My FidFolio is currently about one-third of my investment portfolio, and I have a couple more years before retirement. The rest of my investments are essentially US equities plus a sizable money-market position I'm holding temporarily for a renovation project. I currently have no ex-US equity exposure at all.

My concern with Fidelity Managed FidFolios isn't that direct indexing or tax-loss harvesting is useless. It's that Fidelity charges 0.40% every year for something whose benefit is uncertain and, to a significant extent, tax deferral.

By comparison, FXAIX costs 0.015%. So direct indexing has to produce enough additional after-tax economic benefit to overcome roughly 0.385% in extra annual costs, year after year.

Tax-loss harvesting can certainly do that in some years, particularly when markets are volatile and you have capital gains to offset. My FidFolio has in fact generated a meaningful amount of tax-loss harvesting this year. But a harvested loss isn't the same thing as free money: the replacement investment generally has a lower cost basis, so some of the tax benefit is deferral rather than permanent elimination.

My bigger concern for someone who is still a few years from retirement is compounding. You're paying that extra fee every year, including years when there may be relatively little available to harvest. Meanwhile, as the account ages and stocks accumulate embedded gains, the easy harvesting opportunities can diminish and you're left holding hundreds of individual positions and tax lots.

So I'm thinking that rather than unwinding the FidFolio and simply moving the proceeds into another US index fund, I could gradually use the unwinding process to build an allocation to one of Fidelity's broad ex-US index funds.

For those who have used FidFolios/direct indexing: How would you approach unwinding an account like this tax-efficiently? Would you do it gradually over several years, perhaps directing withdrawals/sales toward building the international allocation? Are there particular Fidelity ex-US funds you'd favor for this purpose? And is there any reason to keep the FidFolio through the first few years of retirement rather than beginning to unwind it now?

I'm trying to maximize storage in a very small apartment closet and am considering Elfa versus PAX or other closet systems.

My priority is space efficiency rather than appearance — i.e., which system makes the best use of the actual width, depth, and height of the closet, with the least space lost to framing, side panels, fixed module sizes, etc. Has anyone compared Elfa with PAX, EasyClosets, ClosetMaid, California Closets, or similar systems from that perspective?

I'm especially interested in experience with small NYC-sized closet

I'm looking for a pair of brown garment dyed jeans. I like the look of Bonobos traveler jeans in dark brown but I'm looking for something that doesn't have stretchy fabric. I have a budget of up to ~$350. Thanks.

Title says it all. I like the look of the Bonobos travel jeans in brown but trying to avoid anything stretchy. And for price I could go up to ~$350. Thanks

I have been slowly socknig away savings in FZDXX to use as a piggy bank once I start renovating a coop apartment - money for contractors, suppliers, etc. At the rate it's going, work might not start until August or September - timing depends on the NYC Department of Buildings approval process. As I see gains in my FidFolio U.S. Large Cap Index Strategy, a direct-indexing SMA, climb, I wonder if I would be better off using the SMA as my piggy bank instead. I feel like I'm missing out on real earnings. Should I just move everything in FZDXX to the SMA? Is wiring money to a supplier or contractor from an SMA any slower than wiring from FZDXX? I do not want to keep contractors and suppliers waiting. Any advice is warmly appreciated!

I've been on induction around 8 weeks and here are my cholesterol numbers but I'm still waiting for Apo B. LDL seems high. Any thoughts?

https://docs.google.com/document/d/1y6JL\_vfBAMMirZB14pC2RxcdJc9-9N5HLUsWY-njrXc/edit?usp=drivesdk