Personal Investments • Re: I Want Less Tech
Since I am in retirement, I would like to invest in funds with less of a Tech slant. I will keep my VOO/VTI but wish to balance it with more non-tech funds. Suggestions?Curious why? I mean if they...
View ArticlePersonal Investments • Re: Admiral vs ETFs: Some Numbers
I have a 401(k) at Fidelity. Super easy to use Vanguard ETFs there. A pain (and a higher commission) to use Vanguard MFs there. I have another 401(k) at Schwab. Similar story. In taxable, there are...
View ArticlePersonal Investments • Re: Pairing Balanced Funds
Is "tweaking" a single balanced fund portfolio, such as Vanguard VWELX or VBIAX, with one other equity or fixed income fund worth considering?It's worth considering only if you need or want a...
View ArticlePersonal Investments • Re: What if I don't want the increased dividends that...
Why not rethink your asset allocation, increasing stocks and decreasing bonds? It sounds like you are might already have a healthy sized portfolio.Thanks. I've considered it. But I'm fairly happy with...
View ArticlePersonal Investments • Re: Tax benefits VMFXX vs VUSXX for CA residents
Thanks for the tip, any reason not to switch to VUSXX. I was reading some posts on here where people switched back to VMFXX due to the higher yield and Repos for FY23, granted these are older...
View ArticlePersonal Investments • Re: Dividend stocks/etf
Compare the total return of the index fund vs. the dividend fund; pick whichever has the higher consistent return (hint: it'll probably be the index). Reinvest dividends and cap gains. Then, take...
View ArticlePersonal Investments • Re: Vanguard had my RMD amount for 2025 this AM
Already calculated it in the RMD spreadsheet.Statistics: Posted by lws — Wed Jan 08, 2025 3:29 pm
View ArticlePersonal Investments • Re: YAY! Voya 401k - Help Me Choose /sarcasm
New Voya 401k Options:BlackRock US Debt Index Fund - .28BlackRock Russell 3000 Index Fund - .26BlackRock MSCI ACWI EX-US Index Fund - .31Your employer's 401k plan offers diversifed index funds, the...
View ArticlePersonal Investments • Re: MYGA problem? Atlantic Coast acquired by Illumifin.
Follow-up about my MYGA through Atlantic Coast. Hoping for additional guidance given the rapid evolution of this scenario.I know there is another thread on Bermuda reinsurance and, of course, the...
View ArticlePersonal Investments • Re: Value in maintaining a small account with parents'...
The only thing I would change is at your age, make it a 2-fund portfolio, not three. Start adding bonds when you are older.Statistics: Posted by Boglenaut — Thu Jan 09, 2025 3:34 pm
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Personal Investments • Re: Calculating capital gains and distributions
Code: Date Dist. NAV % of NAV3/28/24 3.6154 39.805399 9.0827% 7/1/24 0.2882 38.408200 0.7504% 12/31/24 0.4272 39.377234 1.0850% 10.9180%If I want to estimate the distributions for 2025 is it...
View ArticlePersonal Investments • Re: Is it stupid for me to be considering removing all...
Once I felt good about things, I'd buy back into the funds I currently hold. So, am I just being dramatic or is this something that sounds reasonable to be considering? In the past, US markets have...
View ArticlePersonal Investments • Re: Mega Backdoor ROTH - IRS article on pro-rata
However, this will introduce pro-rata situation for the backdoor Roth (i.e. nondeductible IRA contribution and then conversion to Roth IRA.) because it creates the traditional IRA balance. (Assuming...
View ArticlePersonal Investments • Re: seeking Vanguard money market alternative
I called Gabelli directly. I can set up an account there. Any money I move into this US Treasury MM fund goes DIRECTLY into the fund (it does not sit somewhere, and I do not have to move it manually)....
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Personal Investments • Re: Getting Started
What should be plan be? My goal is to diversify and fully contribute to my Roth and invest it. Max out my HSA this year, and maybe try to retire early. I need advise and would appreciate any tips!Stay...
View ArticlePersonal Investments • Re: Financial Advisor Starting Own Company
Just curious how you would feel if your long-term financial advisor (Not mine a family members'), is going out on their own and starting a new company and wants you to go with them>They are a...
View ArticlePersonal Investments • Customized dynamic 5% withdraw rule, what about you?
I have my own personalized dynamic withdraw rule I came up with that in theory should work fine for our 50/50 mix. Rather then the static rules like the traditional 4% exc, I’m curious what creative...
View ArticlePersonal Investments • Re: Understanding the math behind a 20 year treasury
...At a price of 95.016, you will end up with a higher face value than $250k when you invest $250k. If you were to only purchase $250k in face value, you are going to have a lot of cash and uninvested...
View ArticlePersonal Investments • Re: Entering solo 401k contributions in Quickbooks Onine
That leaves $115k in payroll expense which would result in $8798 in FICA withholdings but only ~$7000 was withheld.And we should probably figure out if it's just the withholding that was $7000, or if...
View ArticlePersonal Investments • Re: 401K to traditional IRA or rollover traditional...
Thank you! That's what I thought.Statistics: Posted by Bill1207 — Fri Jan 10, 2025 3:55 pm
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