Personal Investments • Re: Vanguard Login Page Not Loading
The log-on page for me was blank this morning just after 8 a.m. on chromebook. Tried a few times but no joy.Statistics: Posted by Blues — Wed Nov 27, 2024 8:01 am
View ArticlePersonal Investments • Portfolio/tax help request
Howdy,I'm currently trying to optimize our retirement investment portfolios and tax efficiency, and am curious to know what/if I am missing something about our financial situation. After viewing our...
View ArticlePersonal Investments • Re: FZDXX vs FDLXX
lollol indeed, if i carried a large cash balance i would probably have a separate account for it at vanguard, but the simplicity of keeping everything in fidelity is worth it to me...
View ArticlePersonal Investments • Re: Vanguard PAS
As a follow now Vanguard has dropped me as a PAS client.My representative " dedicated more time to me than other clients "Believe me, it was minimal . after 20 + years I see a deterioration of service...
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Personal Investments • Re: Merrill Edge Information
US Bank has a 4% cash back CC now if you park $100k.And may be somewhat better than B of A for cash handling. With $100K total there, the savings account currently pays 3.8% (no matter how small the...
View ArticlePersonal Investments • Re: Portfolio Review Request (robo-advisor-free!)
I certainly am not going to look up all those equities in your taxable. What is the AA of those funds?I'd suggest looking at each one of those and sell off as many as you can and put them in a ETF...
View ArticlePersonal Investments • Re: Tax efficient bond funds for taxable account?
What is your federal tax bracket?In a 32% or higher bracket, the Vanguard NY muni funds are the most tax-efficient; they should have higher after-tax returns in NY than other funds of comparable risk....
View ArticlePersonal Investments • Re: Help me resist moving Bond allocation to Cash
Greetings,I am 60yo still working with a 50/50 portfolio. My bond allocation is in Fidelity FXNAX. The uncertainty of future inflation, tariffs, etc has me concerned enough that I'm considering moving...
View ArticlePersonal Investments • Re: How and when to pay taxes on December Roth...
We are doing a Roth conversion next week. No with-holding for taxes.Taxes on the conversion will be approximately $28k for fed, $12k for state. 22% tax bracketWhen do we pay federal income tax and...
View ArticlePersonal Investments • Microsoft Money and TIPS
I've been using MS Money for eons and am quite satisfied with it. I have it working frine on Win11 (since upgrading) but have one issue that is a problem. TIPS which I have quite a lot them. I find no...
View ArticlePersonal Investments • Re: Why do you think the Vanguard Target Fund is so...
...let's say you say the tax ratio is 1%, you subtract that from your return, so if you fund return 10%, then a 1% tax ratio means your return is reduce to 9%. That doesn't seem to match up with the...
View ArticlePersonal Investments • Re: 20 years with same asset allocation -- thinking of...
Sounds to me that you are suffering from recency bias. There is a reason that Jack Bogle insisted that we "stay the coarse."Statistics: Posted by Call_Me_Op — Fri Nov 29, 2024 7:34 am
View ArticlePersonal Investments • Re: AA review for WRE
Perhaps the turkey helped. I’m now convinced to make a change next year. Reduce or eliminate my MBDR contribution's. I’ll keep the trad 401k contributions, especially to match level.Perhaps I should...
View ArticlePersonal Investments • Re: Portfolio/tax help request
Wow, upon reading your all's insights and using that tool, it appears I have made a mistake by using a pre-tax 457 while in the marginal 12% by mistake. What are your thoughts?For example, our Gross...
View ArticlePersonal Investments • Re: TIAA Accounts Consolidate
If you annuitize all his holdings at TIAA, it might be fair to say that the TIAA account will become less of a burden (I mean, in terms of simplifying your financial lives ... ) than it would...
View ArticlePersonal Investments • New to backdoor Roth - timing for 2024
Bogleheads - new member and incredibly happy to be a part of this forum. This is the first year my wife and I have MAGI above the limits for a traditional Roth IRA contribution. As such, we will be...
View ArticlePersonal Investments • Re: How to read Vanguard Target Retirement Allocation...
Over the next 50 years, the 2070 fund will move from its current AA of 90/10 to the current AA of the 2020 fund (37/63) and ending at 30/70 in 2077.Statistics: Posted by rkhusky — Fri Nov 29, 2024...
View ArticlePersonal Investments • Re: Money market in inherited IRA
Usually, the RMDs for inherited IRAs are quite small compared to the balloon payment you'll be required to take when you drain the account at the end of the holding period. Is this OK with you, or do...
View ArticlePersonal Investments • Re: Portfolio Plan Check
With a marginal tax rate of 32%, doing Roth conversions of all tax deferred balances now and making Roth (rather than traditional) retirement contributions doesn’t seem optimal. Doing mega backdoor...
View ArticlePersonal Investments • Re: Strategy for employee stock purchase plan (ESPP)
No look back provision. As we're still participating on ESPP (similar deal with OP) will always have a ST 3-month, 6-month and 9-month ones.Do you have a minimum holding period?Statistics: Posted by...
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