Personal Investments • Re: Equity-Income Fund VEIRX
My 401k stable fund returned a meager 1.7% last year and while this provided a nice ballast for my portfolio in 2022, I find myself wanting to "juice" returns from this part of my portfolio. I have...
View ArticlePersonal Investments • Re: Former employer or IRA
Are you going to do Roth conversions? They can be useful to smooth out taxes over your lifetime and can also be useful for a Roth ladder to be able to access your money penalty free before age...
View ArticlePersonal Investments • Re: Suggestions for 100x moonshots
Missed this thread somehow in 2020 -- makes for an interesting read!It would be even more interesting if anyone reported actually making 100x from any of the suggested strategies.My answer for 100x:...
View ArticlePersonal Investments • Re: Replacement for corporate high yield fund
I tried iShares USHY (High Yield Corporate Bond ETF) and FALN (Fallen Angels USD Bond ETF) and didn’t care for the volatility compared to Vanguard’s VWEAX (High-Yield Corporate Admiral Class). For my...
View ArticlePersonal Investments • Solo401K..Contributions Employer/Employee first?
I know the solo401 offers contributions for employee and employer - this is my first year with a solo and I am about to put some funds into it and im assuming Schwab will ask if this is an employee or...
View ArticlePersonal Investments • Re: Money for major home repairs - where should it...
No. Cash flow would be $6K per month ($10K - pay rent - loss of rental income). It may not cover everything.Is it better to stop new investments or sell current investments, if gains are neutralized...
View ArticlePersonal Investments • Re: Lost - how to dig myself out
Long story short: Due to my infinite wisdom I have 191 positions in one brokerage account (20+ years old account) and ~20 positions in my Vanguard brokerage account. All of these spread across taxable...
View ArticlePersonal Investments • Re: 529 rollover to Roth IRA with Fidelity
For those who hold eligible 529 accounts with the NY Saves program, administered by Vanguard, the form to authorize and initiate the transfer is available on their website. Very straightforward to...
View ArticlePersonal Investments • Re: Inherited TIRA Questions
Thanks everyone. My father passed in October of 2023, and the accounts are already transferred to Inherited IRAs at Fido. He had already taken the 2023 RMD on the small account and his 2023 RMD on the...
View ArticlePersonal Investments • Re: Choosing between DIY and Financial Advisor
I intend to retire later this year, and I’m now deciding between managing my own investments or using an advisor. My portfolio is based on the bogleheads approach with a few additional ETFs. One...
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Personal Investments • Re: ROTH IRA 5 year rule, what if I move ROTH 401 K to...
Roth IRA withdrawal guidelinesBefore making a Roth IRA withdrawal, keep in mind the following rules to avoid a potential 10% early withdrawal penalty:Withdrawals must be taken after age...
View ArticlePersonal Investments • Adding to VPMAX - Fidelity As IRA Custodian
Question? Can you do this? I've gotten 3 diff answers from Fido brokers while trying to do this. Sitting here with cash that I can't invest in VPMAX. Any personal experiences to relate? Yes, I know...
View ArticlePersonal Investments • Re: I want to invest $300,000 for a regular income
I am considering selling my house and investing the proceeds in hopes of getting a regular income of some kind. I think it goes without saying I want this to be fairly safe, tho I know I need growth...
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Personal Investments • Re: Wife got laid off. Portfolio Review.
The lowest the portfolio would go during the worst of times is $1.14M.This seems incorrect. Your stock funds could lose 50% or more during a major slump. Cut that $800K in half. So $400K plus your...
View ArticlePersonal Investments • Re: Adding to VPMAX - Fidelity As IRA Custodian
Question? Can you do this? I've gotten 3 diff answers from Fido brokers while trying to do this. Sitting here with cash that I can't invest in VPMAX. Any personal experiences to relate? Yes, I know...
View ArticlePersonal Investments • Re: Question on permanent insurance illustration
Thanks for you thoughtful reply, and all points well taken. Question on your math in arriving at $885,000 in your alternate scenario. I am arriving at a lower number from the following TVM...
View ArticlePersonal Investments • Re: Tax-Managed Balanced Fund (VTMFX) for Taxable...
I manage a trust for my incapacitated brother in law and chose VTMFX for the entire amount. It has performed admirably, with minimal taxes and a solid return. Its return over the past 10 years has...
View ArticlePersonal Investments • Re: Buying AMD
DH used to work for AMD. That is why when he got his current job he started selling ESPP and RSUs immediately.I think people see the four or five moon shots and think they know which will be the next...
View ArticlePersonal Investments • Re: Newly retired portfolio needs adjustment
Well this is what I initially decided on, minus $44,000 that was taken out last year (partially to not have a mortgage and partially to son as a loan that is probably really a gift) and will not be...
View ArticlePersonal Investments • Re: Possible replacement suggestion for VEIRX...
It has ER of 0.19. BUT it has active management- I forgot or didn't note. Point 19 seems cheap but maybe not cheap enough.It compares poorly with VOO over every period up to and including 5 years.I...
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