Personal Investments • Re: Roth conversion or not
TLDR (wall of text).I am (so far) unwilling to spend more than '12-cents-per dollar' in federal taxes to do Roth conversions.Statistics: Posted by steadyosmosis — Fri Dec 06, 2024 10:14 am
View ArticlePersonal Investments • Re: Wells Fargo Preferred L (WFC.PR.L) - Too Good To...
I found it and reviewed. I can buy other preferreds below par with similar yields. I think, the OP can find better in this space. I’ve never had any trouble selling preferreds, so I’m not at all...
View ArticlePersonal Investments • Re: Selling Advice
If you really have 3-fund portfolio in a taxable account, then it is likely that your bond fund in the taxable account has the least amount of unrealized capital gains and may even have unrealized...
View ArticlePersonal Investments • Re: Roth conversion in up market?
The smaller the amount of time between when you sell in one account and buy in another account the more neutral it is. Same is true for re-balancing or moving investments from one brokerage to...
View ArticlePersonal Investments • Re: how to make a bond ladder when not allowed to buy...
I have never bought an ETF before. The iShares iBond ETFs are available to me through the Schwab SDB. I don't know how to buy ETFs. (never bought individual stocks, either, but I guess it works same...
View ArticlePersonal Investments • BND – Are we at the bottom?
Are bonds (using ticker BND) the “worst” they’ll be?I know the answer to this can legitimately be “who knows”. However, I’m trying to get sense for history and asset worth here.I didn't invest in BND...
View ArticlePersonal Investments • Re: Fidelity current statement availabity?
I just received the same information from Fidelity representative. Fidenlity generates no statements and no Quicken transaction files if there was no account activity other than dividends. Seems odd....
View ArticlePersonal Investments • Re: Teacher 10 year check up ( NYS)
I had a feeling….That said, the way to salvage this situation now is to ask your Roth IRA providers to "recharacterize" your contributions to Roth IRA as Traditional IRA contributions instead. For...
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Personal Investments • Re: Thoughts on Gainbridge OneUp Annuity?
Just one more thought further pointing toward accepting the 25% offer. I expect that Gainbridge will cut the “add on” from 1% to its contractual minimum of 0.2% soon. That’s fully within their...
View ArticlePersonal Investments • Re: BND – Are we at the bottom?
I heard KIrk Spano mention recently the idea that twenty-year Treasury funds could create a double bottom. I wouldn't assume confidently that low share prices are behind us.Statistics: Posted by...
View ArticlePersonal Investments • Re: Help with Unusual Bond Fund Options
What are the expense ratios of those three choices.Statistics: Posted by alec — Sat Dec 07, 2024 10:16 am
View ArticlePersonal Investments • Re: Fidelity messed up Solo 401k contribution year
It’s not uncommon 401k withholdings made at the end of the calendar year aren’t deposited with the 401k custodian until early in the following calendar year. This should be a relatively easy fix by...
View ArticlePersonal Investments • Re: Will we be ready for retirement in 4.5 years?
You could start living off your investments now to get used to the idea of spending from your savings, and bank your paychecks/send them to investments right away -- this would be a psychological...
View ArticlePersonal Investments • Re: Question Wellesley vs Wellington
Those are good points.My issue is stock index funds don't generate much in cap gains, they largely rely on NAV growth. Also, is it possible to get between 3% and 4% in income from those index funds...
View ArticlePersonal Investments • Re: Why the case against a Roth conversion gets stronger?
For me, Roth conversions may be mostly a wash. With the current pension, dividends, and interest, I'm most of the way into the 12% bracket. Once we have the 2nd pension and 2 social security incomes,...
View ArticlePersonal Investments • Re: Need advice on municipal bond fund
How do you figure VUSB is exempt from Federal taxes? Regards,It is a short term MUNICIPAL bond fund.I think you might mean VTES, not VUSB. Product summaryThe fund’s investment objective is to seek to...
View ArticlePersonal Investments • Fidelity CMA with adult child POD/TOD
My wife and I are semi-retired and traveling more these days, and after a recent failed approach and go-around while flying to Europe I started wondering how my adult son and his siblings (all in...
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Personal Investments • Re: New Guy Question [How should I rebalance my...
Welcome to the forum Thanks for the advice. I didn't look at changing my AA as trying to time the market since the amount of money being invested in total was the same and the assets were the same. I...
View ArticlePersonal Investments • Re: Trouble finding correlations for a TIAA account
Agree with the poster who said this has international stocks. It is about 65% US. https://fluenttech.tiaa.org/pdf/factsheet/194408159.pdfStatistics: Posted by student — Mon Dec 09, 2024 10:21 am
View ArticlePersonal Investments • Received check from old 401k
I received a small check from an old 401k that has been closed (<$25). I rolled the rest of the 401k into a Rollover IRA last year, so I can only assume this is interest/dividends $ that did not...
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