Personal Investments • Re: There is No Good Account to Hold TIPS
The math clearly says: TraditionalThere are rare exceptions to this rule.Can you please explain that math?Thanks!Think of it this way: would you rather pay state tax on TIPS interest or income tax on...
View ArticlePersonal Investments • Re: Investing advice for my 74 YO parents
Thanks for the detailed response!Statistics: Posted by lovingknight — Sat Nov 23, 2024 6:58 am
View ArticlePersonal Investments • Re: Fidelity Complementary Advisor versus Planvison.
Fidelity customer for about 12 years now, and have met with my advisor 2-3 times. Similar experience to what others have said...useful review of portfolio. Doesn't hurt to have somebody else take a...
View ArticlePersonal Investments • Re: Retire From Military or Stay In Longer?
Brian, congrats on “chucking the rock” as we say. We need good, smart leaders in the USAF and in the Military in general especially now although it may not pay off for CQ as sadly he may have raised...
View ArticlePersonal Investments • Re: FHLB Bonds
While that is true, the FHLBs did have to be bailed out by the fed govt during 2008-09. And there's no legal guarantee govt had to do this, just an implied one. Same thing happened in the 1980s. FHLB...
View ArticlePersonal Investments • Re: Pause Plan to Add International
The need for intrnational stocks funds for US investors is not all that clear cut. Here is a graph going back to 1975. https://www.hartfordfunds.com/dam/en/do ... CWP014.pdfNo one knows if the...
View ArticlePersonal Investments • Re: Merrill Edge Information
Since you have a Fidelity account, I'd use their CMA for day-to-day expenditures.Statistics: Posted by dogagility — Sun Nov 24, 2024 7:41 am
View ArticlePersonal Investments • Re: Are EE Savings Bonds Worth It Anymore?
I have no personal experience, but there are operational complaints posted here about Treasury Direct. I do have experience with cashing EE bonds at a bank where I keep $150,000, and it is not...
View ArticlePersonal Investments • Re: Single Stock Keep or Sell
I would last in first out sell the reinvested dividends to offset other capital gains. If no other capital gains to offset then I would sell further to some point where I was comfortable with the tax...
View ArticlePersonal Investments • Re: Need for reits if you own real estate?
My investment accounts are part of a portfolio that includes pretty extensive real estate holdings, all in the mid-atlantic region, concentrated in an NNN comercial property and a vacation rental...
View ArticlePersonal Investments • Re: 100% in s&p 500 index in your 40s
Most folks on this forum will probably recommend some variation of a three fund portfolio (total stock market index, international index, bonds), regardless of age. The rationale is that even if you...
View ArticlePersonal Investments • Re: Why Does Vanguard Make it Difficult?
Was the bank possibly having deposit glitches and set up barriers due to currently being a fraud target? IS there some reason not to mention what bank it was? Could it have been the bank's problem,...
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Personal Investments • Re: Advice on Roth IRA conversions
Welcome to the forum. Ordinarily $316k in tax-deferral does not trigger a need to do Roth conversions. But if your total income this year will be about $9k, a Roth conversion is essentially a no...
View ArticlePersonal Investments • Re: 529 -Saving for college education
I don't think that OP said anything about K-12, though, unless I missed it.From my understanding, HYPSM and their ilk have pretty huge endowments such that sticker price and actual price are often not...
View ArticlePersonal Investments • Re: Does it make sense to plan your 401(k)...
waiting for your parents to die ISN'T an investment plan.save your own money.bccStatistics: Posted by bcc1234 — Tue Nov 26, 2024 7:18 am
View ArticlePersonal Investments • Re: Performing a rollover from TSP to Vanguard?
TSP rollover document suggests they will send a treasury check to the new account. Is that always the case, or is there some other method that can be used? Should I create a traditional IRA account at...
View ArticlePersonal Investments • Re: How much Roth Conversion after retirememt?
SickInSantorini:Roughly speaking, the goal is to level out your marginal tax cost over time. The progressive tax code and the reality that taxable balances cause tax drag means you will be better off...
View ArticlePersonal Investments • Re: What else to invest in?
Hi all,Thinking about where else to invest any extra cash I may have. I am 36. Single, no kids. No house. HCOL area. Started investing very late due to schooling and not becoming a high earner until...
View ArticlePersonal Investments • Re: Tax vs Retirement % if we retire in a country with...
Any help with this? Thank you!Statistics: Posted by inves76 — Tue Nov 26, 2024 7:52 am
View ArticlePersonal Investments • Re: Where to buy/sell physical Gold
When selling gold, how do these various gold buyers operationalize capital gains reporting? Or do they simply record the sale and seller info and leave it to the seller to report capital...
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