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Personal Investments • Re: Best Vanguard Funds for Brokerage Account to limit...
I split VIGAX and VVIAX between taxable in Roth/Traditional accounts after a major TLH episode in DEC 2018.The reduced tax drag is real and as valuable as expected even for a mid-range tax rate person...
View ArticlePersonal Investments • Re: Is there more to Personal Finance?
There are three steps to being a Boglehead:1) Adopt the PHILOSOPHY.2) Create a STRATEGY that fits your unique needs and circumstances.3) Implement the strategy and maintain it with DISCIPLINE. Part of...
View ArticlePersonal Investments • What are these Asset Based Account Fees on this 403b?
I'm trying to calculate the average fees on this security benefit 403b plan. The advisor charges 1% (required). I can average all the ERs. But, what are these asset based charges and how can I...
View ArticlePersonal Investments • Re: Large age difference in retirement ... TSP annuity
"I noticed there was a TSP annuity option and didn't think much of it because, well why would I when generally, investing on one's own is better?"I'm with you on your statement above. I don't know you...
View ArticlePersonal Investments • Re: Thoughts on bonds vs. cash
OP,Keep both. They are for two different reasons.A) You should keep n years of expense in cash. The answer could be 1 to 5 years.B) The rest in bonds.KlangFoolStatistics: Posted by KlangFool — Wed Dec...
View ArticlePersonal Investments • Re: Take some money off the table?
You can either worry about having to pay huge taxes or you can worry about not having money to survive but NOT BOTH! Select your issueStatistics: Posted by rs9876lg — Wed Dec 04, 2024 9:43 am
View ArticlePersonal Investments • Re: Is 10% in speculations OK if you don’t need the...
ETA - 45 years old and total retirement investments are roughly 400k currently. I predict that I’ll want around 50k a year at retirement and want to retire around 55 years old.I didn't try to crunch...
View ArticlePersonal Investments • Re: Portfolio Check
I would sell these red colored items, they are tiny in comparison with the rest of your portfolio, and you can certainly use cash. I would, however, sell them in the new year 2025 than in...
View ArticlePersonal Investments • Re: Inherited IRA withdrawal strategy
Non-spouse has to follow the ten year rule. Depends on your definition of low I guess.From a tax perspective, it is too low. $300,000 IRA inheritance at age 1 gives you a factor of 83.7, RMD = $3584....
View ArticlePersonal Investments • Re: Is backdoor Roth IRA useful strategy for my...
Thanks to both of you..I will make contribution to Backdoor Roth IRA for me.@lakpr - Yes, I bought the home last year. I was hoping I would be able to refinance soon but that doesn't look like a...
View ArticlePersonal Investments • Fidelity ETF ONEQ Nasdaq and/or FTEC Tech
Hi friends, I'm a relatively new Fidelity investor looking to invest a modest, unexpected cash gift (not needed for at least 5 year) in one or two ETFs. I'm thinking of ONEQ (Nasdaq composite) and/or...
View ArticlePersonal Investments • Re: TIPS Funds for Social Security delay of 7 years
I want to use Vanguard TIPS funds to cover the next 7 years before I take Social Security.Not really interested in building a TIPS Ladder.Why not?As mentioned in replies above, you could use the...
View ArticlePersonal Investments • Re: My research on "where to park large amount of...
Your approach is backwards, but you landed in a fine option given your stated need.Statistics: Posted by Hot Sauce — Thu Dec 05, 2024 9:53 am
View ArticlePersonal Investments • Re: How to rollover TIAA 403b?
What is wrong with TIAA?Good chance that the poster, if retired or moved on from previous employer, is having to pay an administrative wrap fee over and beyond the underlying ER fees of the individual...
View ArticlePersonal Investments • Re: Allocation of Cash Strategy
To me this sounds equivalent to saying the entire $188K is your emergency fund (for income replacement) and that your weekly investment purchases are cash flowed from your income, no? Nothing...
View ArticlePersonal Investments • Re: International asset allocation
We’ve already had a great series of bull runs. It’s probably time for a 50%+ correction that lasts for a few years.Would that also crash international for a few years? I suppose international do have...
View ArticlePersonal Investments • Re: Explain buying TIPS to me like I'm 5
If I imagine myself being a 5 year old, nothing in this thread makes any senseStatistics: Posted by Hot Sauce — Thu Dec 05, 2024 10:08 am
View ArticlePersonal Investments • Re: Solo 40(k) with catch up limits
As a practical matter, the $7500 would need to go through payroll with FICA paid, rather than be an employer contribution.Understood - thanks. If using the catch-up did indeed imply that it had to be...
View ArticlePersonal Investments • Re: Redirecting dividends to individual stocks
Sure, go ahead, but don't tell anyone at bogleheads.org about it. How much of those individual stocks do you already own by virtue of owning VTI or similar? Would 1.3% a year of individual stocks make...
View ArticlePersonal Investments • Re: Can we retire and travel?
OP: Can you share what you find about healthcare(exclude US) while retirement? I am incredibly interested. On my way doing similar thing(after kids go to college).Statistics: Posted by Tech — Fri Dec...
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