Personal Investments • Re: Are You Participating in Direct Indexing
Nope, not interested.VTI does fine for me, and for only '3-cents-per-hundred-dollars'.Statistics: Posted by steadyosmosis — Thu Oct 31, 2024 1:25 am
View ArticlePersonal Investments • Re: On the fence of adding small cap value
I used to hold a tilt to Small Value ... notice I said 'used to'.No significant difference detected.Me? Early-retired years ago, still not yet age 59.5, delaying SS until age 70.More info in my...
View ArticlePersonal Investments • Re: Managing a windfall, unique circumstances
As I read your post you made it seem like you were broke / just making ends meet as expenses are higher than income. Then you throw out that you have 900k with another million coming in. The only...
View ArticlePersonal Investments • Re: Portfolio Review for Widow in Mid-40s
While the current investments are not ideal nothing jumped out at me as needing urgent attention. With all the other things she is dealing with I agree that it is a good idea to not make any big...
View ArticlePersonal Investments • Re: Fidelity money market account options
Some of us were able to ACATS in $1 million minimum funds that have a $1 minimum at Merrill, though Merrill appears to have closed that loophole. FWIW, the Fidelity $10 million minimum funds (FRSXX...
View ArticlePersonal Investments • Secure 2.0 and Simple IRA 2025 Contribution Limits
I’m having a difficult time locating a clear source describing the new rules for Simple IRA contribution limits that incorporate Secure 2.0 changes. Does anyone know if the below site is accurate?...
View ArticlePersonal Investments • Re: What is Berkshire Hathaway's best...
I don't think anyone these days is arguing for BRK as a replacement for a total market index, but I personally have been at least considering adding it specifically for diversification. BRK.B is...
View ArticlePersonal Investments • Re: Backdoor Roth Question
Hi, requesting advise on below. I have this question even after reading through Wiki.I contributed the max of $7000 to my Roth IRARealized recently that because of my bonus, my income would be high to...
View ArticlePersonal Investments • Re: Porfolio Visualizer. What do people use?
Another Excel user. Quicken downloads transactions and keeps track of number of shares and most recent valuation. I export this info into my Excel sheet which does all the calculations and...
View ArticlePersonal Investments • Re: 401k to rollover or stay post retirement
I will be completely retired from my own company in December. In January, I'll be rolling over the remainder of my 401k to my IRA and Roth IRA with Schwab. I am trying to simplify my holdings and...
View ArticlePersonal Investments • Re: Fun Money - Next NVDA?
AST Spacemobile, ASTS tickerStatistics: Posted by corey407woc — Fri Nov 01, 2024 1:14 am
View ArticlePersonal Investments • Reliable family vehicle
I (32M) need a reliable family vehicle that’s larger than a regular sedan. I’ve been sharing a vehicle (Kia forte) with my serious gf (22F) and I have 3 pre-teens (ages 10, 11, and 12) that are...
View ArticlePersonal Investments • Re: Reliable family vehicle
Similar sized family. We have a Honda Pilot and it is works quite well for our needs.Statistics: Posted by Old Goat — Fri Nov 01, 2024 3:06 am
View ArticlePersonal Investments • Re: SPHY - S&P High Yield Bond ETF
If you want a higher yielding income fund without the junk bonds, I would steer you toward CLO ETFs, preferably JAAA. Very interesting. Thank you for the idea!CLO's look interesting, but they are too...
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Personal Investments • Re: Which assets should I hold in my HSA (California).
OK, I’ll be the contrarian (be kind fellow Bogleheads ).Years ago, after agonizing over this for too long, I decided to hold Vanguard Total Stock. I feel the benefits of the higher projected growth...
View ArticlePersonal Investments • Re: VTIP vs rolling 5 year individual TIPS ladder
It's worth reading William Bernstein ages of the investor and rational expectations. It covers the real risk of nominal bonds in a fiat world. Did you know that US LT bonds had a negative return...
View ArticlePersonal Investments • Re: 8 Year Boglehead Portfolio Review
Emergency Funds: fine.Debt: good.Asset Allocation: fine. If you decide to further diversify with International at some point...current guidance is no less than 20% and more more than 40%.Portfolio...
View ArticlePersonal Investments • Individual or Joint Vanguard Account
I have an individual account at Vanguard with my wife as a beneficiary. I intend to open another brokerage account (to keep the monies separate because of different investing objectives and timelines)...
View ArticlePersonal Investments • Re: Portfolio for near retirement
Need some help on figuring out how to allocate a porfolio for a 60 year who is nearing retirement and has been holding $600,000 in 95% BND, 5% VXUS. What is the best way to reshuffle the portfolio?...
View ArticlePersonal Investments • Re: Overwhelmed trying to figure out bonds
I get bonds but how duration, changes in interest rates, and price changes is not the easiest thing to master. Duration is just the percentage derivative of price with respect to yieldSo for duration...
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