Personal Investments • Asset Allocation - Rebalancing a large amount
I've received some great advice here. Some I've implemented but I've yet to address the low percentage in bonds. Before I get to my main question, here's our assets & allocation.Two 401k's (Both...
View ArticlePersonal Investments • Re: Turning 40 - Portfolio/Financial Preventative Exam
I really don't understand why you will not consider paying off the mortgage tomorrow, instead waiting until 2028. You have $135k approximately in the joint taxable account while the mortgage is only...
View ArticlePersonal Investments • Re: Asset Allocation - Rebalancing a large amount
Our desired mix is to have 25% Bonds & 5% cash. Also, I've received suggestions to consider a Total Market Fund instead of having separate funds for Small Cap & International. Unfortunately...
View ArticlePersonal Investments • Re: Leaving Vanguard for Fidelity and need your...
We've been DIY investing at Fidelity for over a decade but have never used any of their offered advice. I suspect you will pay for this.I agree with the poster above who suggested using Fidelity as a...
View ArticlePersonal Investments • Portfolio and plan review... What say you?
I've been reading here for many years, but this is my first post. I have been trying to decide how comfy I am with not going back to work, and it hit me... Duh! I should ask the Bogleheads for a...
View ArticlePersonal Investments • Re: ETF recommendation needed
I would pick an intermediate TIPS fund/etf.Statistics: Posted by jimkinny — Fri Nov 15, 2024 5:49 am
View ArticlePersonal Investments • Re: Optimizing Vanguard Fund Diversification
•VTI (Vanguard Total Stock Market ETF): 43%•VXUS (Vanguard Total International Stock ETF): 11%The 2 green funds cover the whole world. Everything else you've listed is already in VTI. +1Statistics:...
View ArticlePersonal Investments • Re: Foolish to consider this fixed index annuity?
Given that I don't anticipate needing the $100K any time in the next 5 to 10 years, what are your thoughts on a 5-year 4.8% CD versus Reliance's 7-year or even 10-year 4.9% MYGA? I would purchase an...
View ArticlePersonal Investments • Re: Near retirement, portfolio review, please
...favor TIPS fund over a bond ladder?Both TIPS and nominal bonds of the same duration have the same expected return at the time of purchase. If inflation is higher than expected during the time you...
View ArticlePersonal Investments • Re: Request input on plans
We selected the advisor based on a recommendation from the Dave Ramsey "Smartvestor Pro" website.It seems to be a consensus here that Ramsey's advice on getting out of debt is quite good, but his...
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Personal Investments • Re: TIPS ETF
My fixed has been 100% TIPS for many years. I don't care what inflation does. Less than expected, more than expected.... I don't care. If it's less, it will be slightly less. If it's more, it could be...
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Personal Investments • Re: Bombed in Supermicro
So much stock picking on here as of late... Anyone buying the dip on this one? Everyone thinks they're a genius in a bull market.Market getting frothy.Statistics: Posted by watchnerd — Sat Nov 16,...
View ArticlePersonal Investments • Re: Has anyone used hellonectarine.com for financial...
Never used it. As others have said, it looks like a clearinghouse for fee-only advisors. Most of the advisors appear to have just started their own planning businesses. Seem to invest using boglehead...
View ArticlePersonal Investments • Re: Portfolio Review Request
If any additional details are needed, please let me know.What is your desired yearly spending amount in retirement?How much social security income will you receive? It is very likely optimal to wait...
View ArticlePersonal Investments • Re: Mother is selling her house
My Mother is 85 years old and can't maintain her house anymore. She will be selling house and living off proceeds and Social Security and renting an apartment. I just looked at the 10-yr and 30-yr...
View ArticlePersonal Investments • Portfolio Review Request Please
Emergency funds: 7 monthDebt: NoneTax Filing Status: SingleTax Rate: 24% Federal 4.7% StateState of Residence: MSAge: 72 retiredDesired Asset allocation: 65% stocks / 35% bonds; Desired International...
View ArticlePersonal Investments • Re: Portfolio and plan review... What say you?
Welcome to the forum.Budget/Expenses- $50K/year until age 70, then $75K/year (senior living or additional help some day?)- I actually spend <$40K now, but prefer to plan for $50K and come in under...
View ArticlePersonal Investments • Re: Help with portfolio after financial advisor
Emergency funds: Vanguard Federal money Market (VMFXX): 50,000Is this the 2.19% listed in the joint taxable account? Is part of the 12.10% in VUSXX in taxable earmarked for ~$270,000 potential bonus...
View ArticlePersonal Investments • Re: TIPS in retirement
Just retired at 69. Anything is possible, but not expecting a 30 year retirement (suppose I could tap into home equity 25 years from now if needed). Plan on having an approximate 60/40 portfolio....
View ArticlePersonal Investments • Re: Treasury Direct - The Eternal Wait and No Way To...
While I was OK dealing with TD, having handled the estates for two sets of parents, I decided my son who will handle our estate, would not be grateful to have to deal with it. I have a few T Bills...
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