Personal Investments • Help with 2024 Roth IRA Contribution
Wondering if it's possible to assist me with where I should allocate my $7k max out of my Vanguard Roth IRA for 2024. Here are the 4 Vanguard funds I have and their percentages is my portfolioAge:...
View ArticlePersonal Investments • Re: Total Financial Portfolio Review - 2025
• Looking at the above portfolio/plan – are there any big gaps I need to fill? Is there something else I should really be doing to save for retirement/invest? Based on the Prioritizing Investments...
View ArticlePersonal Investments • Re: Roth Conversion Calculator surprising results
But those same people could also have the same option if they inherited a Roth. If they want to retire early they still can, or they can keep working and not suddenly jump up several tax brackets. It...
View ArticlePersonal Investments • Re: Lump sum pay out or annuity from Company pension plan
My companies Cash Balance pension plan is offering me either a 380,000 lump sum or an annuity of 2200 per month which is a 100% joint survivor annuity which I think if I die before my wife she will...
View ArticlePersonal Investments • Re: Feedback on my current 401K allocation, HSA, and...
Welcome.Why no IRA?And my taxable brokerage account is 100% VTI.Statistics: Posted by steadyosmosis — Tue Jan 14, 2025 4:27 pm
View ArticlePersonal Investments • Re: Backdoor Roth IRA mistake
I have started backdoor Roth every Jan of each year starting at 2020 and at the max so it would be:Jan 2020 contribute and backdoor Roth of $6,000. Filed 8606 of $6,000 on 2019 taxes. … …Essentially...
View ArticlePersonal Investments • Re: Portfolio Review - Changing Tax Brackets
[/quote]Yes, there is a downside to swapping muni to total bond - bond funds are not tax-efficient. They throw off dividends each year which are taxable at your 22% or 24% tax rate. You likely want to...
View ArticlePersonal Investments • Re: Strategies for adding to an existing TIPS ladder
One common use of a ladder is to spend the maturing principal.But in your case you don't need to do that.So the next common approach is to take the maturing principal and buy the next rung -- 2030 in...
View ArticlePersonal Investments • Any Benefit to having beneficiaries enroll in Vangard...
Subject says it all.Age, 78 and own 10 ETFs.Want to make it as easy and inexpensive as possible for my kids inheritance.All other money is in local credit union.Statistics: Posted by HermieHollerith —...
View ArticlePersonal Investments • Re: Rebalancing - first time on my own - looking for...
I prefer to keep my taxable account all in stocks, because that’s most tax efficient. So, I would go 100% FSKAX in taxable. I would keep most bonds in Traditional tax-deferred 401K. If you have an...
View ArticlePersonal Investments • Investment Advice for my 75 y/o Mother
Good afternoon and thanks in advance for the time. A little background. My father passed in April 2024 and I have been assisting my 75 y/o mother with her estate/finances. I am the financial Power of...
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Personal Investments • Re: Am I (financially) able to retire?
No taxable will be limiting.Let's say you roll your 457 and 403b to your Traditional IRA. You could do 72T (SEPP) until 59.5.Check a 72T calculator like...
View ArticlePersonal Investments • Re: Taxable portfolio advice to be used for income
There are a lot of unknowns but I don't see a problem with using money in your taxable investment accounts to supplement your working income. I would be careful about the amount you expect to be able...
View ArticlePersonal Investments • Re: Any Benefit to having beneficiaries enroll in...
Are these ETFs in a tax sheltered account?Statistics: Posted by sailaway — Wed Jan 15, 2025 4:29 pm
View ArticlePersonal Investments • Re: Investment Advice for my 75 y/o Mother
How’s the upkeep of her home? One problem with aging seniors is the lack of upkeep and updating, so they end up selling for far less than you expect, especially if you’re in a rush to sell.Statistics:...
View ArticlePersonal Investments • Re: How to clean up messy college savings situation?
It's not immediately clear to me how old your kid is, but I'm guessing around 11-12 based on the Target Enrollment 2032 fund. Looks like you have around $200k already earmarked for college. With a 12...
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Personal Investments • Re: 4% rule. Leaving money on the table?
Too often, too many in these forums spend time diminishing actively managed funds as if people who choose to invest in them are doing something wrong. I find it demeaning and unproductive.While it’s a...
View ArticlePersonal Investments • Portfolio Review for Elementary Teacher
Hi Bogleheads,I’m an elementary school teacher who’s done my best to set up our finances following advice I've gotten here over the years. We’re currently making our way through the “intensive...
View ArticlePersonal Investments • Re: Are we done saving for college?
I am CLEARLY DONE contributing to 529s. Congratulations, that's an incredibly important family goal to check off the list.Thank you!!!The next question is going to be asset allocation. I’ve defaulted...
View ArticlePersonal Investments • Re: Strategy for education? I’m clueless!
We depend on a 5% drawdown strategy that includes a 3 year cash reserve in the event of a market crash.Do you really "depend" on a 5% drawdown? So in addition to this current 5% drawdown that you...
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