Personal Investments • Re: investment advice- 38yr old looking to retire...
I'm 38 single.....Another reason to use the deductible pre-tax retirement account is that you are in the higher single tax brackets now and you are paying Virginia income taxes. When you are retired...
View ArticlePersonal Investments • Re: Does anyone else really not want to rebalance now?
I rebalance once a year, in March/April, if needed. Depends on if our total portfolio gets more than 5% out of target or not. In hindsight, I wish I'd understood the value/importance of rebalancing in...
View ArticlePersonal Investments • Re: 40yo. Just Crossed 1mm Net Worth. How are we Doing?
In the 32% bracket, those backdoor roths are pretty expensive; it's a lot of ground to make up. Might run the numbers for investing in a regular taxable account and pay cap gains eventually (or not,...
View ArticlePersonal Investments • Re: Where to put cash for a CA resident in the highest...
Hi Everyone;We are about 5-7 years from retirement, and my goal is to have about 2 years of expenses in cash equivalent by the time we retire. i plan to slowly put part of our monthly savings into...
View ArticlePersonal Investments • Re: Sell VFIDX at a loss
VFIDX, intermediate term investment grade is my largest holding in my 401k rollover. It still has a loss of -94600. The other holding is VWILX, international growth. VWILX should be in a tax deferred...
View ArticlePersonal Investments • Re: Help for Parents: Taxes on Sale of Stock
Thanks for the comments, that does help. The stock is probably over 80% gains but it’s a good reminder that it won’t all be taxed. They should be able to avoid the penalty but it doesnt sound bad even...
View ArticlePersonal Investments • Re: 401k or Roth 401k
My vote is always for the Roth 401(k) when they are young and don't need the money.After the standard deduction and the $4300 HSA contribution, only $22,000 of her income will be taxed at 22% +...
View ArticlePersonal Investments • Re: [Portfolio review requested]...
Thanks 22twainI have long term care insurance. My grandparents lived to 92, my parents to 91, my maternal aunt to 102, other maternal aunts into their late 90's. So I do think about that. I have no...
View ArticlePersonal Investments • Re: Fidelilty Advisor Pushing Annuities
Forget annuities until you know exactly what problems they address. To quote Stan the annuity Man, by them for what they will do not what they might do. Get his free books online and read them with a...
View ArticlePersonal Investments • Re: Switching from funds to ETFs
So you have to sell those Fidelity mutual fund shares to buy ETF shares. But you don't have to sell ALL shares at the same time.There should be no problem with selling losers (or winners) and...
View ArticlePersonal Investments • Re: Funding QLAC in IRA with basis (i.e. with...
I thought after tax 401K money could be rolled over to a Roth IRA. It has been a while but I think I did that when I rolled over my Schwab 401K to a Schwab IRAStatistics: Posted by Cannoli — Tue Dec...
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Personal Investments • Re: Cross trading at Fisher
Will do! Statistics: Posted by someonesson — Wed Dec 18, 2024 12:20 pm
View ArticlePersonal Investments • Re: Evaluation of my portfolio & retirement...
I'll retire in about 5 months and I'm trying to get a handle of my retirement expenditures. Is there anyone on this forum who can evaluate my portfolio and expenses for a one-time fee? You can send a...
View ArticlePersonal Investments • Re: Vanguard's VOO ETF and Fidelity
My Fidelity Private Client advisor suggested FNILX - Fidelity ZERO® Large Cap Index Fund.I have been happy with it, and it appears to closely track the S&P 500 Index, but doesn't have to pay...
View ArticlePersonal Investments • Safe part of fixed income entering retirement: Stable...
I plan to retire in a couple of years. My fixed income consists of the following:1) Total Bond Market fund2) Inflation protected (mix of individual TIPS, TIPS fund and IBonds)3) Some very safe option...
View ArticlePersonal Investments • Questions for friend about to retire
I was hoping to get some confirmation/advice for a work friend who is retiring in the next year. She's asked for my advice and I've recommended Bogleheads to her - hopefully she'll come on over for...
View ArticlePersonal Investments • Re: 61 Y/O Roth IRA investment
I was thinking of selecting the Vanguard 2030 fund VTHRX vs the 2025 VTTVX fund for that ROTH even though we will be in our retirement years. Is that logical? What would be an alternative fund that we...
View ArticlePersonal Investments • Re: How to figure out real yield on TIPS in secondary...
The point being that the data are real yield because not yet known inflation adjustments to the bond that would translate to nominal yield are not yet applied.One can calculate exactly the nominal...
View ArticlePersonal Investments • Re: 40yo. Just Crossed 1mm Net Worth. How are we Doing?
Contributions in '24:An HSA?Is there anywhere you would park this cash to use EOY of '25? Currently it is earning nothing in a savings account. I'd park it in a money market fund. Simple. Liquid....
View ArticlePersonal Investments • Tax Loss Harvest on DDVAX?
I don't *want* to own DDVAX, but I learned within the last year that my parents set up an account in my name decades ago that holds a modest amount of it. I hadn't sold out of it yet b/c I anticipate...
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