Personal Investments • Re: Received check from old 401k
+1How much time and effort do you want to spend for $2? I wouldn't spend the effort.Do what retiredjg said and avoid the penalty. That'll save you the effort of dealing with Form 5329 to document the...
View ArticlePersonal Investments • Re: seeking Vanguard money market alternative
I'm using Vanguard money market funds at E-Trade with no drama. They just won't automatically sweep.Almost every new account I've created in the past 5 years, I've tripped some kind of security...
View ArticlePersonal Investments • Re: Invest in individual stocks in Roth IRA?
Yes, absolutely.It will also have the potential to have a heck of a lot less money with individual stocks added. You'll be taking on totally unnecessary and avoidable unsystematic risk. Why do that?...
View ArticlePersonal Investments • Re: [Vanguard closing out VFSTX as part of STAR fund...
retired61- I retitled your thread for clarity.A discussion on the Vanguard STAR fund is here: Vanguard Announces Allocation Changes for Vanguard STAR Fund - in Q1 2025Closeout of Vanguard Short-Term...
View ArticlePersonal Investments • Re: Portfolio/Capital Distributions
Right! You would rather watch your fixed income investment of $1000 become $900 in a Roth IRA, but be afraid to pay taxes on $50 growth in a taxable account through the use of CDs / T-bills.There's no...
View ArticlePersonal Investments • Re: Portfolio Review - Early retirement in 2 years
Will be watching this one, I am 10 years older, no kids at home, no debt, and plan on retiring in July...but the fear creeps in. Am 60/40 on $5m and have $1m, in a life policy the company funded and...
View ArticlePersonal Investments • Re: Does this seem like a decent plan?
Thanks everyone for your responses. I need to learn more about my jobs 401(k). I know it’s non-elective and the match isn’t that great, but I don’t know much else about it. In general, is it better to...
View ArticlePersonal Investments • Is psychology the only reason to not stick with 80-20...
I’m 46 years old, and my retirement savings are invested in Vanguard’s target date 2045 fund. I’m thinking of switching to pure funds (US stock index, international stock index, and bond index) to...
View ArticlePersonal Investments • Re: Traditional TSP --> Roth IRA process
Just thought I’d let ya know, I did a TSP to tIRA to Roth IRA process with Fidelity starting in early November. TSP was quick in getting the check from the Treasury to Fidelity in under a week from...
View ArticlePersonal Investments • Re: Scratching my head about current markets
If the market is willing to overpay for stocks today, there's a good chance it will be willing to overpay again tomorrow, and if it will overpay tomorrow it is likely to be willing to do it again the...
View ArticlePersonal Investments • Re: with Spec ID, considerations for which LT shares...
I'm glad there are opinions on this so I don't feel too stupid!Here's a simple extreme edge case to consider with my comments - feel free to disagree:I own 2000 shares of XYZ trading today at $101I...
View ArticlePersonal Investments • Re: Donor Advised Fund Investment?
If one has a Donor Advised Fund with no planned investments then it seems it does not follow personal investment principles but is more akin to college endowment fund principles?In the case of the...
View ArticlePersonal Investments • Re: What would you do with extra cash if you had a...
Any other reasonable options that could work?The starting amount matters a lot. Having a $200k range of starting values doesn't help narrow the decision much. On the one hand, starting with $500k...
View ArticlePersonal Investments • Re: Anyone else have trouble tolerating bonds?
I have been 100% stocks my entire investing life with never even the slightest inclination to sell low during bear markets. I viewed any downturn in the market as a chance to buy at a better price....
View ArticlePersonal Investments • Trouble tolerating Stocks
I am sick of stocks. I thought I read from Bogleheads that Total Stock Market is all I need. I thought I was going to have a historical return of 10%, but my last 10 year return was 1.20%. In the mean...
View ArticlePersonal Investments • Re: Should I consolidate our IRA accounts
I have used a Fee-for-service advisor twice for help with retirement transitions for my wife, then I. It was well worth the money. However, it was a one-time fee each time, not an ongoing...
View ArticlePersonal Investments • Re: Should we start doing Roth conversions?
In most cases, there’s not an absolute right or wrong answer regarding whether to do a Roth conversion. Generally, it is a comfort issue and desire to have more tax diversification…even when using...
View ArticlePersonal Investments • Re: seeking Vanguard money market alternative
For what it's worth XHLF may also own non-Treasuries.Source: https://bondbloxxetf.com/wp-content/upl ... 8-2024.pdfBONDBLOXX BLOOMBERG SIX MONTH TARGET DURATION US TREASURY ETF...Summary of Principal...
View ArticlePersonal Investments • Any upside to rent vs sell?
Hi All,About to start construction on a new home. We own our current home with no mortgage with an appraised value of $550k. The construction loan to perm is gonna get me in at 6-8%. I’m beginning to...
View ArticlePersonal Investments • Re: Any upside to rent vs sell?
Entirely a personal preference, but yes in your situation I think I would sell the old house unless you want to be a landlord especially if you don't have six figure pension income to pay the...
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