Personal Investments • Re: Another Vanguard vs Fidelity thread
not what percentage of Vanguards CD's are callable, but what percentage of Vanguard's CD gets recalled.If I found out that 70% of Vanguards 12 month cd's get recalled, wouldn't buy it.As another reply...
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Personal Investments • Re: Target Date Index Funds
The iShares LifePath Retirement Fund is the end of the glide path.[...]Why is 1.21% in ISHARES GLOBAL INFRASTRUCTURE ETF? My hunch is iShares wants to increase assets under management in that ETF...
View ArticlePersonal Investments • Re: Looking for HSA Investment advise
I am in TX. I do not have SP 500 index fund on my list.Yes you do. That's what SSSYX is.Ah my bad, got it, thank you!Statistics: Posted by midlifeinvestor — Sat Jan 04, 2025 2:47 pm
View ArticlePersonal Investments • Re: First time backdoor roth
FYI - you referenced a Backdoor Roth for 2020 and it is clear that you meant 2024. Your deadline is 12/31/2025 per the wiki as you are performing the conversion in 2025....
View ArticlePersonal Investments • Re: how should I invest in bonds?
At age 63 we have always had at least 25% in bonds since I was 25. I don’t like losing money in large market declines. We have seen our portfolio grow to low 7 figures. Now we invest 35% of our...
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Personal Investments • Re: My first portfolio review, vast room to improve
See Table 4 of the Tax Policy Center's description of TJCA changes.I guess I'm seeing different numbers than you did. Everywhere I look I see that 2025 MFJ is going to be $96,949 for the top end of...
View ArticlePersonal Investments • Comparing VTip to BND
Comparing VTip to BND, I have been mulling over the bond portion of my 60/40 portfolio which right now includes BND and BNDX. I want to add VTip to the mix and have decided on using an ETF vs buying...
View ArticlePersonal Investments • Re: Financial Advisor Needed?
You sound like a good candidate for a financial planner. Someone to sit down with you and identify a retirement plan, but not actually take over your investments.Additionally, since you mention...
View ArticlePersonal Investments • Re: Portfolio review take two after initial May 2024...
So yes, same recommendation to ditch all the active and/or high-cost funds and replace with low-cost broad passive index funds.Thanks for your guidance. It motivated me to jump back in and sell the...
View ArticlePersonal Investments • Re: Annuities for early retirement?
lots of comments about waiting till one is older to purchase An annuity. what age do people think makes sense from a mortality credit perspective?Statistics: Posted by grok87 — Mon Jan 06, 2025 3:01 pm
View ArticlePersonal Investments • Re: 4% rule. Leaving money on the table?
As I understand the 4% rule you would be living off of your nest egg interest Ex: $1M = $40K annuallyIf the principal (Nest Egg) never decreases, is the expectation that you die and leave the Nest Egg...
View ArticlePersonal Investments • Re: Sanity check HSA strategy and allocation
Are you referring to actual medical expenses, or healthcare premiums in the "pre-medicare" time frame?I was thinking both - my understanding is that healthcare premiums would be eligible so long as...
View ArticlePersonal Investments • Re: Mega backdoor Roth pro rata
+1 My MegaCorp is the same. Even though there is a dedicated after tax bucket the investment choice has to be the same for all sources. My company offers daily automatic conversion of after-tax...
View ArticlePersonal Investments • Dividend stocks/etf
when would someone buy dividend stocks or etfs and is there an age that it's better suited for im 60 and recently retired I don't mind playing it safe and having an extra 2k a month .Statistics:...
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Personal Investments • Re: 2024 RMD paper check deposited in '25 - problem?
A paper check? In the mail? I didn't realize that was still possible! You won't have any issues here at all. The distribution LEFT the account in 2024. If she cashes the check in January, that is...
View ArticlePersonal Investments • Re: Turned 40, Portfolio update/question on...
^^^Agree.Appears you're paying unnecessary taxes on 'cash-like' things.That's why all my fixed income is in my IRAs.(Except for a few hundred dollars in my bank checking account to pay current-month...
View ArticlePersonal Investments • Re: Confused on which way to go..
If my math is correct the annuity would pay about 6.9% with no inflation protection. If you are only investing it at 4-5%, and are not not likely to change due to discomfort with market risk, I can...
View ArticlePersonal Investments • Newbie trying to interpret graph
https://engaging-data.com/visualizing-4-rule/Does this graph show 96.7% chance of being at the median or not running out of money in 30 years?Statistics: Posted by nomorework — Tue Jan 07, 2025 3:22 pm
View ArticlePersonal Investments • Down payment fund (Calif.) ~3-5 years in future
Hi all, looking for some advice on what investment(s) to utilize for saving up for a down payment. We plan to purchase a home in 3-5 years in California, and are currently CA residents. Our tax...
View ArticlePersonal Investments • Re: Newbie trying to interpret graph
I believe it shows a 96.7% chance of not going broke.Statistics: Posted by ByThePond — Tue Jan 07, 2025 3:30 pm
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