Personal Investments • Re: Roth conversion, future tax rate same as current
Thanks for the heads up on SS. A large portion of our SS is already taxed. I ran a simulation in Turbo Tax where I included various roth conversions in last years return to see where it would push me...
View ArticlePersonal Investments • Re: Bond fund duration matching
Thanks to all for a lot of great info. Apparently I still have much research to do. Didn't think the fixed income portion of the portfolio would cause more of a headache than my equity...
View ArticlePersonal Investments • Re: 529 Plan - Good idea for me?
I would wait until the child/children are here before opening a 529. There's no reason to lock the money up in an account that has restrictions on how it can be spent when there are no guarantees that...
View ArticlePersonal Investments • Re: Tax Loss Harvesting tips?
If you're in the 0% LTCG group, have you considered harvesting gains up to the 15% threshold? Idea is to realize gains without paying taxes on them, and then use proceeds to re-buy (or buy something...
View ArticlePersonal Investments • Re: Investing Large Bonus with Young Family
Some more context about my job - I started in 2019 and my on target compensation has ranged from as low as $249K to as high as $645K. I would say the average has settled to around $350-$400 until this...
View ArticlePersonal Investments • retired and too heavy in equities
I’m in a bit of a conundrum about what to do with my investments. I guess it’s an embarrassment of riches of a sort. I’m 72 years-old, in pretty decent health, married, and retired. At age 70, I...
View ArticlePersonal Investments • Re: Google Sheets, GoogleFinance(), and VFSAX not quoting
This Vanguard link no longer returns price history: https://personal.vanguard.com/us/funds/ ... &year=#res(instead it redirects to another page)Perhaps related?Statistics: Posted by cacophony —...
View ArticlePersonal Investments • Re: 401k Rollover
My former employer has been bought out by another company and is terminating my old 401k with the bulk of my retirement money. I have 90 days from 12/31 to roll it over. Few months back I had opened a...
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Personal Investments • Re: Roth conversion, future tax rate same as current
Oh, now I see the point. You don’t count the tax paid to generate the cash just the small tax on 0.01% that the bank pays.You don't even have to count that. At the instant in time you decide either...
View ArticlePersonal Investments • Re: Wthdrawal Strategy: Divide By 30, Then Reduce by...
My retirement withdrawals are random and lumpy. They don't follow a schedule, and I'd never tie myself to one. I just withdraw as needed. So not seeing the point of such a thing.My situation as well....
View ArticlePersonal Investments • 20 Year Treasury 4.82%
The Daily Treasury Par Yield Curve Rate for the 20 year is currently 4.82%. If I hold this security to maturity will I receive 4.82% interest per year for 20 years?Thank you.Statistics: Posted by...
View ArticlePersonal Investments • Re: [Can we open a] 401k - Small business owner
Thank you for your reply. What do you think should be smartest thing or the right thing to do?There are too many unknowns to even suggest what would be good for you.In general, if you are not using...
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Personal Investments • Re: Two Balanced Funds for Retirement Portfolio
Wellington/Wellesley 50/50 beats that’s combo (50 percentile probability) by almost .40% over 15 yearsThis is not particularly intended for you, but for anyone that might look at small differences and...
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Personal Investments • Re: Sell existing Roth investments and use TDF instead
No problem I also prefer Schwab's funds because any amount of cash available can be used to buy shares whereas (I think) Schwab wouldn't allow fractional shares for an ETF. She also has a 403B thru...
View ArticlePersonal Investments • Re: Thoughts on bonds vs. cash
Bond funds are an interesting topic. I like the open discussion of bond funds within this forum. Naive investors should be alerted. We shouldn't be drinking this 'bonds are good' KoolAid. Some of the...
View ArticlePersonal Investments • Re: Hold muni bonds in taxable if I have enough 401k...
Here's a BH post by David Grabiner from earlier this year that seems germane-The tax advantage of stocks in a taxable account is increased if bond yields are higher, or if your time horizon is longer...
View ArticlePersonal Investments • Re: 401k Rollover
What does manageable mean to you? Fees in 403b plans can be a problem. Even when there are good low cost fund choices, there can be administrative fees that make the plan less desirable. And paying...
View ArticlePersonal Investments • Re: Index Strategy Investing - Are They Worth It?
We warn folks here about getting involved with folks like this that aren’t real financial advisors. CheersStatistics: Posted by Silk McCue — Sat Dec 21, 2024 1:02 pm
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Personal Investments • Re: Splitting portfolio into two parts long-term?
Thanks for all the responses. I would still maintain what I consider to be a reasonable asset allocation across both accounts - the problem is a tax-efficient placement strategy (which is what I have...
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Personal Investments • Re: Feedback on Next Steps for a New Boglehead
1. Open a traditional IRA at Vanguard and rollover the 401a, 403b 1, and 403b.In the 24% Fed bracket as single filer, it seems you might need to utilize Backdoor Roth Contributions over direct...
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