Personal Investments • Re: Withdraw buckets
Too much caffeine today. I have a $200k taxable account. I don't plan on touching the IRA after 59.5.Statistics: Posted by svho — Fri Jan 10, 2025 3:55 pm
View ArticlePersonal Investments • Re: Roth Conversion Calculator surprising results
I plan to convert 300K at the 22% bracket over the next 5 years. I suspect it is a wash tax wise for me. I have a spouse that I expect to outlive me and I want to void an RMD bomb for her. (Of course...
View ArticlePersonal Investments • Re: Backdoor Roth Confusion
Did you document these non-deductible contributions on form 8606 Part I each year? One form for you, one for spouse. If not, that is the first thing you will need to do. i tell turbotax about my...
View ArticlePersonal Investments • Should I turn my 3 fund portfolio into 4 fund by...
I'm turning 45 this Spring. I have 3 fund portfolio which will be consisting of VTSAX, VTIAX, VBTLX (but no S&P 500). I read Bogleheads Guide To Investing and know only the most very basics, or...
View ArticlePersonal Investments • Re: Should I turn my 3 fund portfolio into 4 fund by...
VTSAX already contains 100% of the S&P 500. I forget the exact number, but something like 80% of the total market is the S&P 500. So if you own the total market (which you do with VTSAX) you...
View ArticlePersonal Investments • Re: Can I do a Backdoor Roth with past contributions?
Note that there is no nondeductible IRA or Backdoor IRA, there is only Traditional and Roth IRA’s. There are non-deducted contributions and 2-step Backdoor Roth contributions. If you can’t move the...
View ArticlePersonal Investments • Re: MYGA problem? Atlantic Coast acquired by Illumifin.
Thank you, @Stinky, for the guidance!The Atlantic Coast "Annuity Surrender Form" indicates that "one-time withdrawals are paid by check only." Is that typical? I had been hoping for a direct rollover...
View ArticlePersonal Investments • Re: Seeking advice on Fixed income CD/Bond ladder over...
I own lots of Treasuries and TIPS, but not in my taxable account (to avoid paying unnecessary tax).My taxable account will remain 100% VTI equities.Statistics: Posted by steadyosmosis — Sat Jan 11,...
View ArticlePersonal Investments • Re: 5 or 6 Vanguard etf's for dividends
Thank you all.Statistics: Posted by 05bill — Sun Jan 12, 2025 3:56 pm
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Personal Investments • Re: Fund ETF analysis and affect fees have over time.
Hello new here I have been with vanguard for many years personally but my work moved the 401k to fidelity. We have several options one fund with moderate fees and another that hasn’t performed quite...
View ArticlePersonal Investments • Re: Why majority of dividends in December?
I have funds invested in the Vanguard Target Retirement Income Fund VTINX (30/70).Noticed that 64% of annual dividends are distributed in December. I was expecting more or less equal quarterly...
View ArticlePersonal Investments • Re: Best place to park money for 8 months
Thanks so much all! I'll go with VUSXX. I went into a sort of rabbit hole looking up state tax calcs. Did I read the thread referenced above correctly that when tax time comes I'll have to calculate a...
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Personal Investments • Re: Seeking Feedback on Our Portfolio Mix
Age: 57...plan to work for another 10-15 years...1. Our portfolio mix has historically been 100% equities, but we are reevaluating whether fixed income should be a component and seek feedback.I think...
View ArticlePersonal Investments • Re: Contributed to Roth IRA in years I wasn't working...
Weird since it doesn't even come up when I do a search of other forms I may need to complete. I searched for "1099-R" and that came up right away but nothing for a 5329.Can you search by form...
View ArticlePersonal Investments • Re: Seeking [portfolio] guidance
NoMoreNoise:Welcome to the Bogleheads Forum!My favorite portfolio (and the one I use) is the very simple Three-Fund Portfolio. It appears to meet your qualifications. You can read about its many...
View ArticlePersonal Investments • Re: Confused about inherited TIAA 401k options
So if I should eventually get the money out, I might as well do it now, right?Sorry, that was confusing. I meant I have to eventually get the money out of TIAA, so I might as well do it now. I would...
View ArticlePersonal Investments • Re: Inherited mutual fund with high capital gains...
I believe that this is the general rule:If, in an inheritance, the assets being passed along count for estate tax purposes, then the basis is reset (stepped up or down depending on the value). If a...
View ArticlePersonal Investments • Re: My head is swimming. Bond funds.
VWETX is a long term bond fund with a high duration risk.Average duration is 12.9 years.Vanguard gives it a 3 out of 5 on the risk rating, almost entirely due to the duration risk.Those NAV / price...
View ArticlePersonal Investments • Re: Do you adjust your asset allocation based on the...
This quote from "The Psychology of Money" seems relevant:"Your personal experiences with money make up maybe 0.00000001% of what's happened in the world, but maybe 80% of how you think the world...
View ArticlePersonal Investments • Re: Investing in AI
I am in Total Stock Market and S&P 500 funds. That's plenty of AI exposure for me.Statistics: Posted by RyeBourbon — Mon Jan 13, 2025 4:23 pm
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