Personal Investments • Re: How to make a Bogle-Style portfolio from my 401k...
I suggest using these three funds: SP500 Index for US equities; Investment grade bond index for fixed income (I.e. bonds); and International equity index.Thank you!Statistics: Posted by redrooster420...
View ArticlePersonal Investments • Re: Basic questions about TIAA retirement accounts
crefwatch: I got involved with this in about 2021. I went back, then, and found annual increases back to 2018. So I show annual increases for every year 2018-2022. 5 years. Yes I know the increases...
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Personal Investments • Backdoor Roth IRA Strategy
Happy New Year everyone-I am seeking confirmation that my understanding of how to avoid pro-rata taxation on backdoor roth IRA contributions is correct and whether my forward-looking strategy makes...
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Personal Investments • Re: Rollover IRA vs. Traditional IRA (401k rollover)
1. If you should want to roll your IRA into a 401k plan in the future, some will only accept a rollover from a "rollover IRA". This distinction was significant (required) in the past, but has much...
View ArticlePersonal Investments • Re: tax mailbox
Is this real. Went to IRS but no green button labeled tax mailbox.What do you think?Statistics: Posted by samsoes — Thu Jan 02, 2025 2:11 pm
View ArticlePersonal Investments • Re: Portfolio Review
emergency funds:I do have at least six months of expenses set aside in cash. I also have $125k in CDs at 5% interest with my credit union. I have retired and have a pension (42k annually) that covers...
View ArticlePersonal Investments • Re: Wellington fund
When I was a touring musician living in London ca. '83/'84, I sent most of my money back to the U.S. where, upon my dad's advice, it was all put into Wellington and stayed there for a few years. Of...
View ArticlePersonal Investments • Re: Are we doing this wrong?
If OP has 800K now, that could easily translate to 2-3 million by the time they reach 72 and they have to start taking RMD's. If it's all in tax deferred, assuming the starting point then is 2...
View ArticlePersonal Investments • Portfolio Review. Next Steps? Questions about ongoing...
Emergency funds: About 3 months of expenses in cash or cash equivalents (SGOV - iShares 0-3 Month Treasury Bond ETF).Debt: Mortgage ~ $1.1M @ 2.625%Car ~ $22k @ 2.5%Tax Filing Status: Married Filing...
View ArticlePersonal Investments • Re: Seeking suggestions on whether to rebalance my...
I do 100% US in the Roth IRA. VFIAX to be exact.Statistics: Posted by Onlineid3089 — Fri Jan 03, 2025 2:30 pm
View ArticlePersonal Investments • Re: Will NVidia continue to climb?... sold half so I'm...
I used to own NVDA stock, but sold to go the ETF route. It haunts me to this day. Now that it’s #2 in VOO by market cap, it’s hard to see it doubling again for quite a while.Statistics: Posted by...
View ArticlePersonal Investments • Re: Retirees how often do you pull money to live
We don't keep large balances in our checking and savings accounts; the cash stays in MMFs (maybe a 2-month supply) and T-bills (a multi-year supply) in our taxable brokerage account until needed. In...
View ArticlePersonal Investments • Re: Notable actively managed 50+ funds
So, I like old funds with strong management guiderails and lots of performance history. My favorite are…Vanguard Wellington 1929 & Vanguard Wellesley 1971…What are some of your favorite actively...
View ArticlePersonal Investments • Re: Helping Daughter with a home purchase
Your previous posts indicated that you had two boys.Do you have a seperate daughter, and what will you do for the two boys regarding home purchases?It's 2025, people can transform.Statistics: Posted...
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Personal Investments • Re: VTEB Questions
I do not know how VTEB performed in previous bear markets vs. the other bond funds, since Portfolio Visualizer now only goes back 10 years. VTEB tracks "Standard & Poor’s National AMT-Free...
View ArticlePersonal Investments • Re: Hobby in Retirement [Funding a hobby]
Just for the heck of it, I went to FICalc and started with a portfolio of $10,000 and a duration of 15 years. Success rates with 100% allocated to the S&P 500:$500/year withdrawal,...
View ArticlePersonal Investments • Re: Unknown Stock Cost Basis Questions
Without being able to actually examine the records and information that you currently have then it’s impossible to give an accurate answer. The investor relations departments at publicly traded...
View ArticlePersonal Investments • Re: Compound interest and investing
There don't seem to be any packaged models that allow one to enter a scheduled asset allocation glide path, I guess?PV's Financial Goals model is very much like their base Monte Carlo, but it allows...
View ArticlePersonal Investments • Re: Help my 18 yo start investing!!!!!
A high yield savings account at a reputable bank would also be a good step. At least the interest rate would be better than the (presumably) low interest at the credit union. Ally Bank (Ally.com) has...
View ArticlePersonal Investments • Re: Thoughts on long term 50/50 stocks/bonds portfolio?
When I got my first real job in 1985, I knew nothing about investing. All I knew was that "stocks were risky". I chose 50/50. Back then interest rates were high and slowly falling which boosted bond...
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