Personal Investments • Re: Retirement is on the horizon - Seeking Financial...
Bonesly, wow! Many thanks for your deep and thoughtful analyses. Much appreciated!! It is very comforting to receive this confirmation on question 1, the most important one to us.Re: your Taxable...
View ArticlePersonal Investments • Re: Roth conversions from a 403b at TIAA - where to...
To answer some of your questions - the beneficiaries of this account are first my mother (age 79), then three kids (all mid-late 40s). Both of my parents are in good health, but when one of them dies,...
View ArticlePersonal Investments • Re: Where to find average cost basis now that it's no...
Yes, after some research I see that was incorrect.As others have mentioned above if you go to portfolio>cost basis on the website does yours show the average share cost on the top line next to...
View ArticlePersonal Investments • Re: Question for 73 F single any Tax savings?
I can't find any tax savings, but I'm not an accountant.From what I can see, overall gross income of $66k/year.What does she actually pay in taxes (itimize Fed/State/local pls) on that level of...
View ArticlePersonal Investments • Re: Advice On Vanguard Brokerage Account Web Use
You might generate better responses if you provide a concrete example of the information you are unable to get off the web site. For me, I have not had any limitations. Now that we have everything...
View ArticlePersonal Investments • Re: Moving a 5304 SIMPLE IRA
Did these custodians understand that you have a 5304 and therefore are not asking for a transfer SIMPLE IRA, which only applies to 5305 SIMPLEs? Or perhaps, they are concerned about the lack of time...
View ArticlePersonal Investments • Re: Too Late to do a 2024 Roth Conversion @ Vanguard...
Thanks for the fast responses! I submitted a small conversion just now via website from Vanguard IRA to Vanguard Roth. Says it's 'pending' and will take "up to 2 days". Hopefully up to 2 days will be...
View ArticlePersonal Investments • Re: Where should international stock be placed tax...
In our 0% LTCG tax bracket large-cap international is best in taxable. A fund like VEA or VEU has a negative tax drag for us.What do you do with the Foreign Tax Credit (FTC) in 0% LTCG?Statistics:...
View ArticlePersonal Investments • Re: Saving for Private School and College -...
There is not a limit of $10k for annual contributions to 529.I meant more on the $10k limit for withdrawals from the 529. Private school starts at around $25k/yr per kid in my neck of the woods and...
View ArticlePersonal Investments • Re: Sales Fees on Mutual Fund during Transfer of...
It's in the prospectuses.Thanks.So your question is about cost to sell the funds that you don't want to hold anymore, regardless of the transfer from one brokerage firm to another?That could end up...
View ArticlePersonal Investments • Re: I think I have too much cash?
2025: Reduce VUSXX to $50,000; T Bills to $50,000 (maybe consider 7 or 10 year T-Notes instead as the T-Bills mature) and buy VTBLX in 401(k) after selling VTSAX in 401(k) and buy VOO in taxable to...
View ArticlePersonal Investments • Re: rebalancing in retirement
Welcome to the forum!60/40 is very common for retirement. Your funds look good. Here are a couple Wiki articles which may help:https://www.bogleheads.org/wiki/Tax-eff ......
View ArticlePersonal Investments • Why is Wellington Fund Down?
Wellington is down almost 10% todaywhile VTI is down only .29%Why?Statistics: Posted by oakbluffs — Tue Dec 31, 2024 2:04 pm
View ArticlePersonal Investments • Re: Why is Wellington Fund Down?
Did you look to see what your capital gains and dividends might be? That could be your answer.Statistics: Posted by Sageegirl — Tue Dec 31, 2024 2:06 pm
View ArticlePersonal Investments • Re: Too much interest income in taxable
Take a look at:https://www.bogleheads.org/wiki/Tax-eff ... _placementThe obvious answer is to get rid of the cash. Either move it to a pre-tax account or just don't have it.Statistics: Posted by mhc —...
View ArticlePersonal Investments • Re: Considering a TIPS ladder - Buy now or wait until...
You don't "need" it, it's one option that provides peace of mind, especially for tying you over to SS when you want guaranteed income regardless of what the market does. In 2022/023 bonds crashed so...
View ArticlePersonal Investments • Re: IRA Rollover funds - Roth Conversion Question
You can transfer the shares in kind, no problem.Statistics: Posted by mhalley — Wed Jan 01, 2025 2:00 pm
View ArticlePersonal Investments • Re: What to use for non-equity portion of portfolio...
My opinion is that once all the dust settles intermediate bond funds are perfectly fine for the decades of retirement. That the returns are not totally predictable, that such funds can lose money at...
View ArticlePersonal Investments • Re: Fidelity closed tIRA used for backdoor Roth
I just re-opened my account as well and made a transfer. It took about 10-15 minutes before the account showed on the transfer screen but worked like a charm.Mr. NisterStatistics: Posted by MrNister —...
View ArticlePersonal Investments • Limit on conversion from tIRA to Roth IRA per year
Back in March 2024, I opened a Roth IRA and put the maximum amount of $8,000 (from my savings account). A few weeks ago, I realized (thanks to this forum!) that I couldn't contribute to a Roth IRA...
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