Personal Investments • Re: Need help please with SPIA [also, help with a CD]
In speaking to a few agents, you have an option for a beneficiary payout if I pass away, so I’m confused when most folks say I’m out the Investment as is my heirs.You should read at least a little bit...
View ArticlePersonal Investments • Vanguard Wellington NAV drop
Checked my IRA today, and saw that Vanguard Wellington's NAV dropped 4.41% in one day today. Anyone know why that happened?Statistics: Posted by USCRx — Fri Dec 15, 2023 11:23 pm
View ArticlePersonal Investments • Re: Vanguard Wellington NAV drop
Dividend and capital gain distributionStatistics: Posted by Fclevz — Fri Dec 15, 2023 11:36 pm
View ArticlePersonal Investments • TresuryDirect trust account setup
Hi,I am in the process of creating a trust account in TresuryDirect. I have couple of questions regarding the same,[1] During this process, we need to specify the registration name of the trust -...
View ArticlePersonal Investments • Re: TresuryDirect trust account setup
They cover all your questions https://thefinancebuff.com/buy-more-i-b ... trust.htmlStatistics: Posted by nalor511 — Sat Dec 16, 2023 12:14 am
View ArticlePersonal Investments • Re: Calculating Cost Basis For Uncovered Shares?
..., make a copy of the highlighted statement and attach it to your tax filing.We never attached such things to our tax filings ever. I would only produce such things if I were asked by the IRS to...
View ArticlePersonal Investments • Re: Large real estate capital loss- sell shares?
The house was in a trust and I'm the residual beneficiary of the trust. It's not my residence. It's a bit complicated, but my accountant assured me that I could claim a capital loss and so I'm going...
View ArticlePersonal Investments • Re: Advice for early retirement to take care of sick...
You said, 'I expect to reduce expense to about $24,000 after I retire (assuming mortgage is paid off and having to purchase my own medical insurance.' Is this amount just for you? What about your...
View ArticlePersonal Investments • Re: Should I roll over Roth TSP into Roth IRA for...
Having the money in one acccount vs two doesn't increase the return on the investments. If you earn5% on 50k AT VG and 5% on 50 k at TSP, The total is the same as 5% on 100k at VG.50K x 1.05 + 50k x...
View ArticlePersonal Investments • Re: Citi shuts down Muni Bond unit ... sell remaining...
A practical solution: Let them mature, and then invest the proceeds into something else.If one player withdraws (like Citi in this case), others will step in to fill in the gap. This shouldn't have...
View ArticlePersonal Investments • Re: Help verifying my solo 401k calculations
TFB’s spreadsheet is good. The Oblivious Investor has a good calculator too:https://obliviousinvestor.com/solo-401k ... alculator/The %/$ of your SP self-employment tax will depend on your W-2 FICA...
View ArticlePersonal Investments • Re: I feel like lump sum in this environment may be...
I find that hard to do when we're talking big lump sums like $500k, where the cost of a bad sequence can be numerically high.In my tax advantaged accounts I have about that much in stock etfs so every...
View ArticlePersonal Investments • Re: Getting out of taxable target date funds / advice...
Thanks so much for the thorough replies. Really helpful.Re: selling the target date funds, I’m trying to fully understand the analysis there.Like if I sell now and have to pay cap gains tax NOW on all...
View ArticlePersonal Investments • Re: Can ibonds be cashed out to a 529 tax free?
I don’t think you can do that. You may be able to use it actually pay for education (not re-invest) tax free, if you meet certain requirements.https://treasurydirect.gov/savings-bond ......
View ArticlePersonal Investments • Re: TresuryDirect trust account setup
Read the Registration and Joint sections again. You can abbreviate the registration, and you'll need to send documents for an "and" trust. They also link to the TD instructions. It's everything you...
View ArticlePersonal Investments • tipsladder.com how to buy on Fidelity?
I'm looking at buying a TIPS ladder in my tIRA to bridge my pre-social security yearstipsladder.com figures out for me how many of each CUSIP number to buy, but I'm confused about the pricing on...
View ArticlePersonal Investments • Re: "One pot" vs. Retirement / Taxable split
I sometimes hear this but it puzzles me as I really don't see much more simplicity than just putting assets in the most appropriate container and using a spreadsheet to track the allocation and almost...
View ArticlePersonal Investments • Re: Need help with SPIA choice, pros, cons, etc
Dottie57,Thanks for your input. I'm getting great suggestions, it's all so overwhelming. Actually, if I decided on the SPIA, I think I would opt for the Life Annuity with Cash Refund which pays $559...
View ArticlePersonal Investments • Re: tipsladder.com how to buy on Fidelity?
Taking a guess at answering my own question, the 99.xxx is not a price in $ but a % of current, and the current value is $1000 x the inflation factorso the 145.xxx is also not a $ but a % of the face...
View ArticlePersonal Investments • Re: Investing in a Special Needs Trust for Older Adult
Your investing approach seems appropriate to me. Your BIL's Supplemental Needs Trust should be more than sufficient to last beyond his lifetime and managing it for growth feels right for the person...
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