Personal Investments • Re: Annuity in SIMPLE IRA
If your SIMPLE IRA account is 2 years old, you are allowed to transfer part or all to a traditional IRA account (or other eligible account) with Vanguard. Your account with your employer will remain...
View ArticlePersonal Investments • Re: Decisions on Windfall of $160k
OP, sounds like you have a good plan here. I paid off a low-rate mortgage early a few years ago (2.75%) and I've since wished I had invested the payoff money conservatively instead. A low-rate...
View ArticlePersonal Investments • Re: My Investing Policy Statement
Hi, all.I'm working on my IPS. It's purely for my family's own use. I don't employ an advisor.I have a question about my plans to rebalance my AA. At this point, it's purely academic since my desired...
View ArticlePersonal Investments • Re: TIAA Traditional Annuity Payment Increases...
TaggedStatistics: Posted by Scubadude — Sat Jan 13, 2024 8:55 am
View ArticlePersonal Investments • Re: CDs versus VMFXX for safety and liquidity
Point well taken. That said, the question is; looking forward will the money market fund perform at the same level of a CD if rates are 5% as an example thus not locking up the money at all. I can't...
View ArticlePersonal Investments • Re: Retrement plan options for independent contractor...
I am confused by this: "My unmarried partner is an independent contractor. She gets a W2 from the consulting agency."Well, I'm a little confused too hence my question. I don't fully understand the...
View ArticlePersonal Investments • Fidelity Solo 401(k) - Prior Year Contributions
Hi,I'm opening a Fidelity Solo 401(k) account and would like to make prior year employer contributions (for 2023), which is allowed by the SECURE Act 2.0. I'm aware that since I'm establishing the...
View ArticlePersonal Investments • Re: Portfolio review - Age 44
> Ideally, you would end up transitioning your taxable brokerage into a split of Vanguard total stock and Vanguard international ex-US, and then balance your asset allocation holding all the bonds...
View ArticlePersonal Investments • Re: 401k fees
+1 on reading your plan documents; that will give you some of the info you are looking for.Plan costs will vary, based on a combination of different factors: whether your company runs the plan...
View ArticlePersonal Investments • Re: Backdoor Roth IRA requires new accounts?
there's definitely precedent for outlets asking AI to write clickbait articles against a popular thing, or in favor of an unpopular thing, in hopes it will go viral due to people sharing the link...
View ArticlePersonal Investments • Re: SSAQX -- what happened to 2023 capital gains...
The semi-annual and annual reports will show the level of realized capital gains. I don't know what is the most recent report, but you should look and it is a good practice to get in the habit of...
View ArticlePersonal Investments • Re: Should I still use Mega-Backdoor Roth if there is...
I'd still do it. All other things (employer match, your ability to afford it, not too much hassle) being equal the idea to back load the after-tax contributions so there's less time for gains before...
View ArticlePersonal Investments • Re: tax efficient placement for short term cash/MMF
There are some mmf's that may help lessen the taxes and Ibonds can defer interest for 2-3 yrs.The tax deferral for 3 years on an I-Bond isn't worth much, and you would lose three months of interest...
View ArticlePersonal Investments • Re: 401k Tax question
Thanks I'll look into that, I'm 58 I'll be using the rule of 55, I've been with the same company for 36 years. ThanksIf you are using the Rule of 55, you need to keep the money in the 401(k) until the...
View ArticlePersonal Investments • Re: If You Are Retiring/Retired: How are you...
And for something like a Roth conversion, you might find that 9,990 scenarios gave you the same answer. Perhaps only very extreme assumptions about longevity and present and future tax rates would...
View ArticlePersonal Investments • Re: Can we? Please advise!
I am curious of another point, namely, do bogleheads consider ss as a bond? In other words should I be more aggressive with AA considering we will get ss in 8 or so years?I think most don't but some...
View ArticlePersonal Investments • Re: buy Intermediate Treasury fund/etf VGIT?
I'm interested in this discussion as a retiree...turning 65 in March, my wife just retired and will be 62 in April. I am in the bridge years before starting to collect Social Security (either at FRA...
View ArticlePersonal Investments • Re: VHCAX [long-term cap gains much lower than usual]
I really do not understand the koolaid being drunk here. If i have 150,000.00 in VHCAX. Every December there is a payout. It was about approx.13,000 dollars last year, and has been always higher than...
View ArticlePersonal Investments • Re: Our Plan To Sell Everything & Travel Full-Time...
We are 10 months into a similar lifestyle...only major difference is I'm 58 and wife 56. I loved reading this post and recommendations. I'll be adding our learning curve insights in the future but on...
View ArticlePersonal Investments • Re: confusion on bonds
Very simple answer. Split your bond investment between VFSUX and VWEAX.Diversified short and longer term. Both of them at discounted NAV. And very attractive yields. Much easier to liquidate than...
View Article