Personal Investments • Re: Vanguard ETFs: recurring investments, payment from...
Seems like you would set up an automatic deposit from your bank to Vanguard:Send scheduled automatic deposits from your bank account to your Vanguard account.Set up or change an automatic depositMake...
View ArticlePersonal Investments • Re: Safe Withdrawal Rate
One way is to add the value of the policy (what you paid for it, or what it would cost today to buy) to the value of your retirement assets. Then calculate a safe withdrawl rate. This means you would...
View ArticlePersonal Investments • Tips interest payments
I’ve read that the fixed interest on tips held in a tira go directly to the sweep account monthly, the biannual inflation adjustment is added to the bonds balance. I’m attempting to understand how...
View ArticlePersonal Investments • Re: TreasuryViewer app for keeping track of treasury...
I've been using a pre-canned googlesheets app for this. You enter your I-bonds yourself and it does the rest. It does not go into your account. But if you have the month that you purchased each bond...
View ArticlePersonal Investments • Re: Should I replace my BND with SCHD?
Replace it with QQQ or VGT.Statistics: Posted by Drsteamfitter — Sat Jan 18, 2025 4:23 pm
View ArticlePersonal Investments • Re: AVUV market-cap weighted holdings?
Thanks for the many responses. I'm looking for a small cap value fund, and I like the idea of some other filters, but I'd prefer the individual holdings within the fund to be held in proportion to...
View ArticlePersonal Investments • Re: Can I Open a Roth IRA for My Sister?
If your sister is an adult... I don't think you really can (legally) open an account for her. She needs to do it. You can easily contribute to any account by getting a deposit form and sending a check...
View ArticlePersonal Investments • Re: Transfer in Kind TIPS Valuation
Which broker was this? It sure looks like they neglected to multiply by the inflation factor. I've converted TIPS at Fidelity and Schwab and I don't recall seeing an error like this. If you file on...
View ArticlePersonal Investments • Re: Vanguard reports a redeemed TIPS
I'm no bond expert, but if you buy a bond at a discount to par value, then you absolutely will have a capital gain due when the bond is redeemed at maturity = (par - discount purchase price).The gain...
View ArticlePersonal Investments • Re: Bonds?
100% stock is fine if you’re at 50X in retirement, but you are taking a risk if you’re only at 25X.+1Someone please help me out here I know everyone tells me I need to do bonds to mitigate risk,Where...
View ArticlePersonal Investments • Re: Should I pay off my mortgage?
Rather than paying off the mortgage, you could create a "mortgage payoff fund" invested in low-risk bonds, which you could use to pay off the mortgage at any time, and would use to make the payments...
View ArticlePersonal Investments • Re: BND ETF Vs Treasury Bonds
I see that the current 20 and 30-year Treasury Bonds have a respectable return of 4.625% and 4.5% respectively. I am comparing them to Vanguard's BND ETF to understand the differences between the two....
View ArticlePersonal Investments • Re: 60/40 portfolio, question about one-fund IRA and...
Look at the distribution history of the funds you are comparing and figure their respective tax costs. Then decide if you are willing to pay the extra tax to keep the balanced fund in taxable.Thanks...
View ArticlePersonal Investments • Re: Inherited IRAs From 2012 and 2015
Thank you for your answers to my question. My parents IRAs have been the gifts that keeps on giving. The amount of the RMDs I take have been replenished and more than that every year. Our parents were...
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Personal Investments • Re: Bonds in 2022: are you scarred? (scaRRed, not scaRed)
Not scarred or scared, although enormously humbled and somewhat bummed about how did I miss the train wreck. Perhaps we as group here listened to the echo chamber and told ourselves stay the course no...
View ArticlePersonal Investments • Re: Bonds in 2022: are you scarred?
As most of us know, 2022 was a highly and unusually bad year for bonds overall. I'm curious, do you therefore mostly dismiss it as an aberration? Or has it made you more leery of bonds to this or that...
View ArticlePersonal Investments • Re: Comparing indexing with real estate investment...
What is true is that one needs a higher return with an individual property than one would get with a broadly diversified real estate portfolio to compensate for idiosyncratic risk.What did you have in...
View ArticlePersonal Investments • Re: How to predict ROI on CDs vs T-bills vs Treas Funds
The daily par values just prior to an auction tend to be pretty close to the auction results:https://home.treasury.gov/resource-cent ... ield_curveStatistics: Posted by snic — Sun Jan 19, 2025 5:24 pm
View ArticlePersonal Investments • Re: Cost Basis
On the other hand... If you happen to be in early retirement, and you want to do tax gain harvesting, wouldn't you want to realize the highest amounts of capital gains first to take advantage of the...
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Personal Investments • Re: Asset Allocation for 1% Withdrawal &...
Facts:Life Status: Retiree Time Horizon: 15 yrs. Major Goal: Growth Risk Tolerance: High Some of the principles we espouse are general limits that may be able to be modified when the other aspects of...
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