Personal Investments • Re: TIPS ladder
drspine - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them...
View ArticlePersonal Investments • Re: Best way to “cash out” of a 529 account?
Should we follow the “lottery” reasoning where it’s better to cash out and take the lump sum of whatever is left after taxes and then invest that or…..?I wouldn't. Here's why. You will be in the...
View ArticlePersonal Investments • Re: vusxx 2024 tax exemption guesstimation?
Seems like only better effective net after tax yield currently (depending on state tax rate) might be FRSXX by 1 bp, but it takes $1M initial purchase at Fidelity or can get with lower purchase amount...
View ArticlePersonal Investments • Re: Short vs. Intermediate Bond Funds in Retirement
I use a money market/savings with about 1-2 years spending, Vanguard's short term TIPS fund with about 3-4 years of spending and an intermediate TIPS with the rest of fixed income. The duration of a...
View ArticlePersonal Investments • Re: a question about the Treasury
If our military wants to buy an F-35 or build an aircraft carirer, or bild a building in your city, the government has to pay cash. So all of that debt you see is for ongoing operations but also for...
View ArticlePersonal Investments • Re: Betterment accounts
So your saying move the two goals to say Fedelity then gift the the shares to each kids. As I understand it that would exceed the $19k allowed for 2025, but not vreally an issue as anything over that...
View ArticlePersonal Investments • Re: Portfolio and plan review... What say you?
So do you think my 2-3 years of cash is too much? I have two buckets in my head… 2-3 years of cash-ish, and everything else. The “everything else” is basically 70/30. If I go back to work, I won’t...
View ArticlePersonal Investments • Retirement prep - Please provide portfolio advice
Hi all, First off, thanks for this wonderful finance resource. Learning so much !As we prep for retirement, please review and provide portfolio address for retirement plans:My wife (F54) and I (M59)...
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Personal Investments • Investing advice for my 74 YO parents
Hi Bogleheads,I am seeking investing advice for my 74 YO parents who consulted with me how to invest their savings.Their assets are: Real estate:Current home which they are living in ~750K...
View ArticlePersonal Investments • Re: TIPS Purchases with Roth Conversions
I've been running a Roth conversion calculator (MaxiFi) and it is recommending that i convert ALL of my IRA (about $1M).Maxifi seems to calculate the financially optimum conversion strategy and I...
View ArticlePersonal Investments • Alternative to AFTEX & TAGRX for Tax Loss Harvest
Hello-I am managing my Dad's investments now. He had a 'financial advisor' who charged him for years but never did one thing for him. He didn't even get his RMDs right. My Dad is 84 and is not in the...
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Personal Investments • Re: Portfolio (follow up) review
I am not so confident about being in a solid position, but I appreciate hearing that.Yes, I am aware that the expenses are, by far, the biggest and hardest problem.So let's just look at a worst-case...
View ArticlePersonal Investments • Re: If the stock market corrects itself right now,
Investing appears to be an emotional experience for you, and if a 15% drawdown scares you that much, then I couldn't imagine a 35-50% drawdown -- which is virtually guaranteed to happen in your...
View ArticlePersonal Investments • Re: Retirement prep - Please provide portfolio advice
Being in California, the FIRST and MOST important suggestion I have is to NOT ever roll either of your 401(k) plans to an IRA. California is notorious for its extremely weak asset protection laws...
View ArticlePersonal Investments • Re: Question as a new working adult out of college!
Contributing to Roth 401K is a very bad idea. Paying a lot of taxes when you are young and not having much money is not a good thing."And when you make more money, you're in a higher tax bracket...
View ArticlePersonal Investments • Re: best broker as of now
I use Citi which gives me medallion signature guarantees, and many other services in my local branch in person.They have every conceivable banking service and all for no fees if you leave a decent...
View ArticlePersonal Investments • 130k Roth Conversion
We are 5 years of from RMD starting at age 73.2024 income of slightly less than $100kOur plan is to use existing cash for a roth conversion in the 22% tax bracket.22% tax bracket, married filing...
View ArticlePersonal Investments • Re: Optimizing Vanguard Fund Diversification
Thank you all for the helpful advice—it’s been super useful as I figure things out as an investor. I’m in the process of fine-tuning my portfolio and think rebalancing my Vanguard funds to the...
View ArticlePersonal Investments • Re: 130k Roth Conversion
Your plan sounds reasonable for the Roth conversion, and you've considered important points (taxes, IRMAA). I believe will need to pay the taxes sooner than April; the IRA generally expects taxes to...
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Personal Investments • Re: Portfolio Review: Starting late, Seeking Boglehead...
No. I fixed it for you. Read this: https://www.physicianonfire.com/international-stock/, as well as similar articles on Whitecoatinvestor. Thanks will read through What defines tax efficiency is the...
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