Personal Investments • Re: Safe Alternate for BND in VGSH?
What do you do for bonds? And do you maintain a standard 3-fund portfolio?I'm hesitant to answer that because what I (or anyone else does) is likely NOT what you should do. What you should do is based...
View ArticlePersonal Investments • Re: Help needed - 1st time investor
I would not retire after 11 years. I meant I would change professions. I do not want to teach another 14 years because the pay is terrible and I also do not enjoy it. But yes it’s 25 years total, not...
View ArticlePersonal Investments • Re: Help Setting up 401K plan
Hi, my husband is starting a new job soon and I am helping with 501K setup decisions. We want to manage it ourselves so as not to pay for the services of an advising firm which is offered by the new...
View ArticlePersonal Investments • Re: Confused about Thrift Savings Plan distribution...
My concern would be that if the TSP computer system erroneously thinks you have a RMD this year that it automatically will cut a check in December if you haven’t taken a large enough withdrawal by...
View ArticlePersonal Investments • Re: Help needed from a cowardly investor
My father grew up during the depression and on multiple occasions told me "I just don't have the guts to play the stock market". His entire portfolio was invested in CDs and annuities. It worked out...
View ArticlePersonal Investments • Re: Is there a 2023 version of this?
It's available now, https://investor.vanguard.com/content/d ... n-2024.pdfStatistics: Posted by iamthewalrus — Fri Jan 19, 2024 11:11 am
View ArticlePersonal Investments • Re: 3% IRA transfer bonus at Robinhood: Worth it?
IF my IRA was composed of ETFs and IF I didn’t care that my money would be stuck at a fintech for 5 years then I would consider it.[neither is true for me so the offer is a “no-go” in my...
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Personal Investments • Re: Fired our advisor - help
Thanks everyone!@Cocoa Beach Bum - Good eye...fixed the typo! Statistics: Posted by hotsauce — Fri Jan 19, 2024 11:12 am
View ArticlePersonal Investments • Re: Managing a Surprise Multi-Million Dollar...
Hello everyone,Thank you very much for your guidance and questions. I’d like to provide some clarifications and seek further advice. Beneficiary Status and Will Context: My mother is the sole...
View ArticlePersonal Investments • Re: Utah 529 short term safety: FDIC vs Stable Value
I have wondered about the differences between these 2 funds.Statistics: Posted by gary_the_indexer — Sat Jan 20, 2024 11:39 am
View ArticlePersonal Investments • Re: Is anyone else putting “fun money” into NVDIA?
I’m tempted to put a little “fun money” into this fund, above and beyond what’s already baked into VTI. I realize it’s future is already priced in to current value, and it’s rise has already been...
View ArticlePersonal Investments • Re: Portfolio Checkup
Not much to add, you have set this up well. You are ready to tax loss harvest if the opportunity arises (use VTI/VV and VXUS/VEU as tax loss harvest partners if you want to only use Vanguard...
View ArticlePersonal Investments • Re: Thoughts on Gainbridge OneUp Annuity?
Haven’t done it yet but am giving serious consideration to using it for Roth IRA space, in an amount that I would predict will stay under state guarantee amounts for at least 7 years. That way,...
View ArticlePersonal Investments • Re: To Roth or not to Roth
I would do traditional 401k and backdoor Roth. If you can do an HSA, that would be good too.Your 401k contributions are at your marginal rate. When you withdraw, you fill fill up the lower brackets...
View ArticlePersonal Investments • Re: 5 Years as a Boglehead- am I ready to retire?
We retired at 56 and we also use quicken. Having an accurate budget is important and we track our expenses against the budget. We do exceed our budget, and that’s ok, because we are willing to cut...
View ArticlePersonal Investments • Re: Early Retirement Plan - Age 38 w/over $2 million
It's a sad state of American culture that so many people on this board can't imagine retiring at 38 with low expenses and twice the amount needed to fund early retirement. That someone would rather do...
View ArticlePersonal Investments • Re: Re-Assessing Risk at 50
My spouse and I both turn 50 this year and have a similar-sized portfolio. My wife became a stay-at-home parent at 43 and is likely already retired. I plan to go part-time at 55 and fully retire at...
View ArticlePersonal Investments • Re: Would selling iShares MSCI and buying VXUS create...
That has not been my experience at Schwab.I have a Schwab account where selling shares of an ETF and buying shares of an ETF can be done immediately. I wonder if you are selling a mutual fund where...
View ArticlePersonal Investments • Re: Should I transfer out of AGTHX in IRA to VFIAX?
AGTHX is a growth fund. And apples to apples comparison would be to Vanguards VIGAX growth fund. These generally have a high return than the SP500 over time (look back 10 years or so) but are more...
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Personal Investments • Re: Windfall investment advice
This story has a sad ending. I was just notified that my best friend since elementary school has passed away. I'm shocked. Still trying to process this. 42 years young. After all he went through with...
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