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Personal Investments • Re: Portfolio (follow up) review
Unfortunately for me, I read this post and basically said to myself 'OMG! I have no idea how to go about understanding these topics and concepts' Then I ran away like a scared child (;-)I think the...
View ArticlePersonal Investments • Re: Where Did Your Plan Go Wrong, and How Did You Adapt?
I started my Roth IRA in 2007. At the time, I decided to roll my own rather than select a Target Retirement fund. My ultimate goal was a six fund portfolio. So I added funds gradually, as money became...
View ArticlePersonal Investments • Re: Fidelity bonus and a question
Without asking they offered a bonus of $1000/million for funds moved to Fidelity. Can I ask how much you are moving to Fidelity? I'm consolidating my father's accounts there (total is just over 1M); I...
View ArticlePersonal Investments • Re: Portfolio Review - Few Questions for 3 Generation...
Welcome to the forum. In response to your questions:1. Open and fund a Roth IRA for your spouse to start the 5-year clock on initial Roth IRAs. Contribute to the max so spouse is receiving active...
View ArticlePersonal Investments • Re: Paying 10%
If you have Roth contributions from past years, they are distributed first per ordering rules, before any conversions.So the conversions we are doing now have 5 years to season, and any withdrawals we...
View ArticlePersonal Investments • Re: JP Morgan Self-Directed Investing + Chase Bank?
So, no long-term experience, but wanted to share how we seem to be thinking the same and are a step ahead and haven't seen any red flags. Because we see this as a "backup"/convenience account, we're...
View ArticlePersonal Investments • Re: Any clients of Timothy Financial Counsel out there?
If you barely have 25x a great plan will be way more expensive. If you have 50x no plan is necessary!Fidelity free analysis does quite a good job. Depending upon your assets at fidelity you can get a...
View ArticlePersonal Investments • What else to invest in?
Hi all,Thinking about where else to invest any extra cash I may have.I max out 401k. (23000/YR)I do backdoor roth and max that out as well. (7000/YR)I just signed up to have an HSA (I am not maxing...
View ArticlePersonal Investments • Re: Rollover to TSP or IRA
I have to wait until I leave federal service or turn 59.5 to get the money out of TSP to build my ladder. Do you know this for a fact or have you just made the assumption that you can't get that money...
View ArticlePersonal Investments • Re: Question as a new working adult out of college!
Let's say he has a year where he is below 22%. He can't convert his entire deferred accounts in that year at below 22% unless he has a very small amount in them. 986racer,A) So, you accept the...
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Personal Investments • Re: Question on TIPS pricing- Fidelity- Quicken
Just purchased $4,000 of UNITED STATES TREAS NTS SER D-2034 1.87500% 07/15/2034 CUSIP 91282CLE9Pricing info provided by Fidelty ...Price (Ask)98.296...Inflation Factor1.00435Inflation Adjusted...
View ArticlePersonal Investments • Re: Withdraw from IRA before RMDs start
Recently retired at age 69. Wife is also retired at 67. I know every situation is different but from what I've seen and read the "typical rule of thumb" is to withdraw from taxable accounts first...
View ArticlePersonal Investments • Re: What age for market basics?
I was somewhat aware of such thing earlier, but my interest really took off around age 16 when I received 5 shares of stock as a Christmas gift.Even earlier, I enjoyed the old cartoon with Elmer Fudd...
View ArticlePersonal Investments • Re: Pause Plan to Add International
How in the world do you think this is going to play out?"Oh, international beat U.S. last year, and I expect that to continue,so now's a good time for me to get in." You're making performance-chasing...
View ArticlePersonal Investments • Re: Roth vs Traditional 401k in 2025
At 32%, I would max tax-deferred 401k, (max HSA if you have one), then do backdoor Roth IRA.Statistics: Posted by RyeBourbon — Fri Nov 22, 2024 7:25 am
View ArticlePersonal Investments • Re: State Taxes and Roth Conversions in high income...
But this true only if you pay the taxes from taxable, rather than the conversion itself.No. It's better to pay tax from cash on hand, but it can still be good to convert (vs. not convert) even if the...
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Personal Investments • Pre-retirement planning
Hi there,I’m 52/M, married with 2 grown children. I’ve confused myself by reading too much about taxes and planning and so, I’m hoping someone can guide me here. Portfolio1.8M in 401k, I contribute...
View ArticlePersonal Investments • Re: Do I need a financial planner?
over 40 years at 1% AUM you're losing 32%, not 25%:How much you lose depends on the details, e.g. what rate of return one assumes. For a trivial example, if you assume a 1% AUM and a 1% RoR you lose...
View ArticlePersonal Investments • Re: Security and Voice Recognition
For this reason, I’ve turned off the personalized greeting on my voicemailStatistics: Posted by 986racer — Sat Nov 23, 2024 6:20 am
View ArticlePersonal Investments • Re: Fidelity Issues [how to get money out of closed...
Hi, Fidelity closed my account on October 25th with active positions. Told me that they reserve the right and to call 16 business days later to withdraw funds. Now they’re asking for a signature of...
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