Personal Investments • Re: sanity check on a possible real estate investment
How would you feel about your tenant having a service animal, which could include a dog but could also be a Capuchin monkey or miniature horse? Because you can't deny housing to a person based on...
View ArticlePersonal Investments • Re: Are we done saving for college?
For liberal arts majors, I would have that concern. It's not just Ivy's that are expensive. There are a lot of private liberal arts colleges are just as expensive. To give one example, Bowdoin has a...
View ArticlePersonal Investments • Re: Advice & comments on de-risking a portfolio
Depressing when bonds can't beat money markets. Why bother...Statistics: Posted by Saintor — Mon Jan 20, 2025 5:32 pm
View ArticlePersonal Investments • Re: Dipping my toes into TIPS
Am I missing something ?If the following is true:By historical standards, a real yield of 2.20% is attractive. It is actually quite a bit above the historical real return (1.80%) of 10-year Treasurys...
View ArticlePersonal Investments • Re: Portfolio Review for Aging Parents
Many thanks, HomeStretch. To answer your question, my mom would remain in the house. So they would need to tap their nest egg. They have no LTC and ALF is looking like $10K/mo here. They just updated...
View ArticlePersonal Investments • Re: dividends
Yes. Vanguard is allowing again to redirect dividends to another fund within the same account.For some reason, they decided one may lose as many as three days in the process. Whereas, automatically...
View ArticlePersonal Investments • Re: Have any retirees here invested in TIAA...
I don't understand the "doesn't account for inflation" comment. My experience with the online retirement income estimator is that it can be wildly inaccurate; I asked I was told that sometimes when...
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Personal Investments • Re: Asset Location within Allocation in Retirement
Bonesly, yes, I agree simplifying would be nice - especially as I get older. It's fun learning but I'd like to step back and enjoy! I've read a lot about the VPW and have downloaded the awesome...
View ArticlePersonal Investments • Saturna Health Savings Account
At one time Saturna was a favorite here for HSA's.For years it was a great run until the notification recently that the "old platform" had to transition all accounts to the "new platform".I found the...
View ArticlePersonal Investments • Re: Choose bond fund: American Funds Index vs Fidelity...
I would also likely go with the 2010 TDF.Statistics: Posted by WeakOldGuy — Tue Jan 21, 2025 5:32 pm
View ArticlePersonal Investments • Re: Real Estate Investor - Looking for Diversification
All great points, thanks. I've seen projections for 4 years of private schools to cost ~$700k in 10 years, so $2M may not be overkill. It's just hard to predict given all of the variables (worse being...
View ArticlePersonal Investments • Re: Bonds?
So, I’m looking at Chief_Eingineer’s chart and thinking that someone who purchased a total bond fund in the early-60’s was underwater on that investment until the early-80’s since it looks like yields...
View ArticlePersonal Investments • Re: 10 yr nominal bond too long at age 60?
My wife and I aren't collecting yet, she hits FRA in April. I've been withdrawing from my IRA for us to live and buying various T Bills to help soften the amount of the withdrawals. My intention is to...
View ArticlePersonal Investments • Re: Treasury ladder creation guidance for rung one in...
If for example I need 20K for every rung at maturity, do I buy a note with a par value of 20K and then reinvest the coupon payments when received into my portfolio, following my asset allocation? For...
View ArticlePersonal Investments • Re: Inherited ... IRA and QCDs
If she takes the inherited IRA as her own, she can use her age with its smaller RMD.Whoever is the last "survivor" will be able to use their own age for both IRAs starting in the year after death of...
View ArticlePersonal Investments • Re: Portfolio Advice & Review
As far as AA risk, there's a few ways to look at it1. What AA makes you sleep well at night? If you don't like drawdowns and volatility then a 90/10 AA might not be a good fit2. What AA will you need...
View ArticlePersonal Investments • Re: asset allocation (brokerage and Roth IRA)
Using VTI (total stock) and VT (total world) does not make sense to me. That will only work as long as the taxable and Roth IRA are the same size. That is unlikely to last very long.In this scenario,...
View ArticlePersonal Investments • Re: Few General Rollover IRA Questions
You are allowed to switch investments in an IRA with no tax consequences. It's only withdrawals that the IRS is concerned with. Regards,Thanks so much!Statistics: Posted by cbaur88 — Wed Jan 22, 2025...
View ArticlePersonal Investments • Re: Investment Advice for my 77 y/o Father
Thank you for all the replies. I will be replying to each and every one of them. You've all provided many things to think about and some I haven't even heard about it.We live in a high cost of living...
View ArticlePersonal Investments • Re: Portfolio Review- Medium Complicated
Since it’s just about tax time I’ve been kicking a few ideas around. Mostly pertaining to converting my tIRA over to a Roth , this year specifically. Reason being, this will likely be my last tax...
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