ET
Energy Transfer LP Common Units representing limited partner interests
stock NYSE

You are receiving too little income to be retired unless you have several million dollars in these stocks. Chasing yields is dangerous, but not when the yields are well covered and reflect the value of hard assets.
Buy some MLPs that own hard assets like pipelines. ET and EPD pay around 7%. They tend to appreciate too, not like a tech stick but far less volatile.
Put these in a taxable account. They are master limited partnerships, and they do not pay dividends; they pay distributions. The distributions are treated by the IRS as return of capital, so you put the entire amount of the quarterly distributions in your pocket and pay no taxes. You are not taxed until you sell or until you receive all of your capital back. Your heirs inherit at a stepped up basis. Talk to any accountant about the strategy.
Run a few simulations for say 5 or 10 years: what if I had put 50% of my funds in a basket of the MLPs listed above? What would be my total returns? Compare to what you own now.
I own SCHD as well, and park cash in a Schwab fund that pays 3.5% — but balance it out with master limited partnerships. I also own some WES, USAC, and MPLX. None of these heft distributions are taxed as all are treated as return of capital.

Thanks for spending part of your weekend with us, u/ChrisP2a!
For your first point, I do want to confirm that company stock is not eligible for BrokerageLink accounts, as they're only allowed in your 401(k). Therefore, this would require a sell if you wanted to transfer part of that particular fund to the BrokerageLink account.
For your second question, you can transfer specific sources to a BrokerageLink account if your plan allows. Some BrokerageLink plans offer a setup with two separate accounts: one for pre-tax contributions and another for Roth contributions. Others may offer just a single account, and different types of contributions may be lumped together.
You can learn more about the specific rules of your BrokerageLink accounts, including eligible investments and specific source transfers, in your BrokerageLink Plan Fact Sheet and FAQs. To locate these documents on Netbenefits.com, click the three-dot menu next to your plan and select "BrokerageLink."
If you need further assistance with your plan, we suggest contacting our BrokerageLink team directly via the link below. The team is available Monday through Friday, 8:30 a.m. to 8:00 p.m. ET. When prompted by the automated system, say "BrokerageLink" to be routed to the correct team.
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I only trade from 3-4 p.m. ET.

A few reasons…
1) They have a tilt towards gas. The war has obviously provided a bump to the more liquids focused midstream’s, but over time I believe the AI data center buildout will be almost entirely fueled by gas. Just look at GEV and their turbine backlogs. If you look at the numbers, nuclear will be window dressing and renewables won’t provide the dispatchable baseload generation needed. They’ll be built, but 90%+ of the electrons will be supplied by gas.
2) Asset location. They have great pipelines in the Marcellus and connecting the Permian to the gulf coast. Those are THE two hot spots for development and where a huge amount of data center construction is set to occur.
3) Good management. I’ve listened to a number of their earnings calls now. They have a very competent set of leaders who understand that this is the time to grow, but they have to execute and be disciplined and not get too far out over their skis (like ET has in the past). MPC owns half of MPLX and also keep the pressure on MPLX to focus on returning cash to unit holders.

So for future sakes, what should I do
Nvidia earning is coming and so is Google
Should I buy Google earning just before earring and buy 350 out of the money with hope for huge spik3?
With Nvidia earning, say they are to announce earning on may 29, I should buy MU And SNDSk at 3:25pm ET and pray they will spike like OPs move?

Don’t understand what the point of these posts are. Just SCHD and chill. Also hope you’ve been filing a K1 for your ET holdings.

If your goal is retiring at 41 and then running an SWP till 85, the biggest issue is not “which app” or “is market overvalued”, it’s whether the math works.
At 31, with 50L now + 1L SIP for 12 months, a 2–3 crore target in 10 years is achievable on paper. But funding 44 years of SWP from age 41 is a very different problem. For that, 2–3 crore is likely tight unless your yearly expenses are quite low.
I’ve worked through similar early-retirement plans before, and the usual mistake is optimizing fund selection while underestimating withdrawal risk, inflation, and sequence-of-returns risk in the first 5 years of retirement.
Your fund mix is aggressive: 50% Nifty 50, 30% midcap, 20% smallcap. Good for growth, but not ideal if this corpus becomes your retirement engine in just 10 years. Also, buying on “5–10% dips” sounds smart but usually turns into cash sitting idle.
What I’d do right now:
1. First calculate required retirement corpus based on annual expense x inflation x safe withdrawal rate.
2. Keep the core simple: 1 large cap index + 1 flexi cap/midcap, and reduce small-cap allocation.
3. Don’t pick platforms based on promised 15–18% CAGR. No serious planner can promise that.
One commenter will probably mention asset allocation, that’s the real lever here, much more than ET Money vs INDmoney vs Groww.
What annual expense are you trying to fund from age 41 onward? That number decides whether this plan is solid or fantasy.

Hello there. Thanks for connecting with us on the sub.
Investment choices for 401(k) accounts depend on the rules provided by your specific employer plan. You can view your investment choices based on your plan on NetBenefits.com by doing the following once you're logged in:
1. Click the three vertical dots next to your plan, then select "Investment Performance & Research," and look for the "Investment Choices" heading
2. To make changes, simply select "change Investments" located next to "Personalized Planning and Advice"
Lastly, if you would like assistance reviewing plan-specific information, you can also contact our Workplace team. They are available Monday-Friday from 8:30 a.m. to 12:00 a.m. ET and can be reached using the link below. Please say "401(k)" when prompted by the automated system to be connected to the right group.
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Don't be a stranger! We are here if you need us.

Hey, u/MammothNarrow5500. I understand how important the timing is here, especially with a home purchase upcoming.
Since you’ve already been in touch with the Workplace Investing team, and they confirmed everything looks in good order, they’re still going to be your best point of contact for the most up-to-date status and any potential next steps.
QDRO timelines can vary depending on final plan processing, so they’ll be the best resource to view your specific plan. Representatives are available Monday through Friday, 8:30 a.m. to midnight ET.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
I'll open your post as a "Discussion," so other members can share their experiences. Please do not hesitate to use our sub as a resource if anything else comes up.

I am getting more nervous on the ER, let's hope we run to $500, give us 10-20% downturn, still ok, at this moment, I really think the only factor can make this price sustainable is another mega deal announced at ET.

Good to have you here, u/Latter_Mistake_920! I'm happy to help out.
First things first, I'd like to thank you for your interest in charitable giving at Fidelity! To answer your question, the annual administrative fee for a Fidelity Charitable Individual Giving Account is 0.60% of the assets in the account, or $100, whichever is greater. Please note that this fee varies based on the total assets in the account, as well as the specific registration of the account.
As for the best way to complete the contribution, you can generally complete the process online once your account is open. If you have specific questions about doing so, we suggest contacting our Fidelity Charitable team, who can walk you through the next steps. Their associates are available from Monday through Friday, 8:30 a.m. to 8:00 p.m. ET, and can be contacted through the link below:
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You can also review the link below, which contains answers to some popular FAQs:
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Come visit us on the sub again soon and let us know if any other questions come up in the future!

Hey there, u/DistributionNo3698.
We suggest trying a few common troubleshooting steps to see if they help alleviate the issue.
- Ensure your mobile device has the latest operating system
- Complete a full power cycle of your device (turn it completely off & back on again)
- Try a different device on a different connection, i.e., A mobile network instead of Wi-Fi
- Uninstall and reinstall our mobile app
After navigating through these steps, if the issue continues, we recommend you contact our Technical Support team, who can help further troubleshoot. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Please say "technical support" when prompted by the automated system to be connected to the right group.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
We're here if you have any other questions.

I replied abt it here.
Ppl are completely missing the picture.Agentic AI is cauaing CPU shortage.
CPU to GPU ratio is increasing, real dat also showing CPU supply shocks, Intel confirmed this. The analyst on the call alao confirmed these exaxt ratios of need foe more CPU (compares to GPU) over the call, nVidia trying to enter the CPU market (check news from 3-4 mnths back), Most recent rumor was them trying to look to bjy a PC company (if cant build a CPU fast then buyout and control the chain).
Its so surprising to see ppl disregarding everything said on Intel's ET call but would blindly asaume GPUs are the future.
##Man CEOs had been saying this from laat 2 yrs that with Inference and Agentic CPUs will be needes more. GPUs were moatly used for Training.
Just go and listen to Intel's ER. That ER was eye opener. Numbers were okayish. Q&A was quite interesting.
#Intel also answered that demand for CPU is so high that they have sold put everything, they dont have faster nodes as competitor which will take 12-18mnths. This line sky rocketed AMD's price also.

> This market will resolve to "Yes" if The Second Coming of Jesus Christ occurs by December 31, 2026, 11:59 PM ET. Otherwise, this market will resolve to "No". The resolution source for this market will be a consensus of credible sources.
This is the rule. Apparently 4% of people think yes

Hey there, u/Far_Lifeguard_5027! We recently received additional information about your question and wanted to share some updates with you.
We can confirm that you can save Health Savings Account (HSA) receipts in three ways, regardless of whether your HSA is through your employer, but the tools available do vary.
On Fidelity.com, if you do not have an HSA through your employer, you can visit the [“Store your HSA receipts” ](https://www.fidelity.com/go/hsa/how-to-spend) portal. This allows you to upload and retain receipts for your own records. You can also use the Fidelity Health app, which provides a centralized mobile experience to manage healthcare spending on the go. The app allows you to upload and store receipts.
Lastly, if your HSA is opened through your employer at Fidelity, NetBenefits now offers cloud receipt storage. You can access this by going to the “Paying” tab and selecting “Upload and save receipts.” This feature is relatively new and is only available for employer‑sponsored HSAs.
It is important to keep in mind that uploaded HSA receipts are not required and are not linked to transactions through Fidelity. These tools are provided strictly for convenience to help you retain documentation for tax or audit purposes.
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Please let us know if you have any additional questions or concerns, please let us know. We are here to help however we can!

I’d like to place an order to sell specific ESPP shares (20.269) once they hit a specific price, but it’s only giving me the option to place a Day order. Good til cancelled isn’t in the dropdown. I have a long position, and I’m still employed by the company if that matters. Am I doing something wrong or is this a Fidelity restriction or specific to my ESPP? It was Friday at about 10:30 am ET when I tried, so it should be regular trading hours. Thanks in advance.

Hey, u/josh1001s. Welcome! Let's chat about extended-hours trading.
First things first, you luckily won't have to call us to get your account set up for this. With this in mind, it's important to mention that you'll only be able to place this type of trade during the pre-market or after-hours trading windows. For your reference, the pre-market session is from 7:00 a.m. to 9:28 a.m. ET, while the after-hours session takes place from 4:00 p.m. to 8:00 p.m. ET.
So, how do you go about placing an extended-hours trade during these hours? When you go to the trade ticket in your mobile app, you'll see a slider for "Extended Hours" that must be manually toggled to place the trade as an extended-hours trade.
Also, since you indicated you're interested in trading after hours, I've provided a helpful link below that covers some important information about it.
[Extended-hours trading](https://www.fidelity.com/viewpoints/active-investor/extended-hours-trading)
Now that you're here, don't hesitate to let us know if you think of any other questions. Stop by again soon!

It's not just Groww even other apps have this glitch. Faced the same issue last week in ET Money.

Hey there, u/dnr4wlvs.
As best next steps here, we recommend reaching out to our Technical Support team so they can troubleshoot the issue with you. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET.
Please say "technical support" when prompted by the automated system to be connected to the right group.
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We're here if you have any other questions.

I use SWVXX. Like a mutual fund, it buys or sells at 4 pm ET end of day. It settles the next day. So you can buy a stock and then enter sell order for exact amount needed. Both stock and SWVXX will settle next day. No margin needed.