Personal Investments • Re: Fidelity's 23-day(!) waiting period for deposit
This happened to my spouse as well and it's pretty annoying.Statistics: Posted by Startled Cat — Wed Jan 22, 2025 5:46 pm
View ArticlePersonal Investments • Re: Profit Sharing Limit Solo-401K Spouse
Hi All,I'm adding my wife to my Solo-401K with Fidelity. Business made well beyond 265K, and it's a single member LLC so I believe that makes it so I can only contribute 20% so 265K will get me to...
View ArticlePersonal Investments • Re: Mega BackDoor - highly recommend it for those that...
So the 50 cents in gains gets moved from the After-Tax into the Roth IRA along with the main transfer? You don't have to transfer the 50 cents in gains to a different account than the Roth...
View ArticlePersonal Investments • Re: Best way to grow what little I have? (Starting...
Regarding your housing - your current total cost is $1200/m. Can you rent a comparable place within an acceptable distance to your girls school for that amount? You are correct that you can never pay...
View ArticlePersonal Investments • Re: 2 taxable investment questions
My taxable account is 100% VTI equities.Do you automatically reinvest dividends or, since the money gets taxed as a dividend, do you take it out?Statistics: Posted by Semifire — Thu Jan 23, 2025 5:54 pm
View ArticlePersonal Investments • Re: T-Rowe vs Vanguard?
As I mentioned, not really interested in a conversation about my decision. I can do my own back testing and have my reasons. Thanks for the suggestion. If you or anyone else has experience with T-Rowe...
View ArticlePersonal Investments • Re: Roth Conversions when in Highest Tax Bracket
If you don't mind spending $149 and a little time to insert your data this program might be of help to you. It was extremely helpful to me to model Roth conversions. Converting in the near term at...
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Personal Investments • Re: Vanguard's new CA muni ETF
TLDR: You couldn’t pay me enough to own bonds as an ETF.Be mindful of how bond ETFs behaved vs MFs during the pandemic. The exact same bonds (VTEF vs VWITX) were priced lower for ETFs than MFs on the...
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Personal Investments • Re: VTI vs FSKAX vs FZROX
I hold fzrox (and fzilx) in taxable ... I'm such a rebel Statistics: Posted by 3000 — Thu Jan 23, 2025 6:02 pm
View ArticlePersonal Investments • Re: What percentage of your fixed allocation in...
Roughly… 20% tips, 15% I bonds, although I have no idea what good this would do someone to know. I would think knowing its purpose and duration would be better. If I were my 25 yo self, 35% of fixed...
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Personal Investments • Re: Am I thinking of this clearly?
I am 43, wife is 39. Have 2 kids, age 5 and 2.Is this thinking correct or am I still "behind" where I should be?This image (I think it's from Fidelity) might help you decide... I do agree with the...
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Personal Investments • Re: turning 40, what does my [financial] future look...
With $1.8M invested and $120k in expenses (and with kids launched when you're 57 and college basically already paid for)...there's a very good chance you'll be able to retire at 57 without ever saving...
View ArticlePersonal Investments • Re: Accrued interest on brokered CD sale?
Thank you for the response, but it didn't really answer the question.The question simply is whether a seller would receive Schwab's indicated "market value" (shown in the seller's online account...
View ArticlePersonal Investments • Re: Switching to 100% stocks
At 23 100% stocks is the way to go.Thanks. I'm getting thumbs up to that and others saying the 10% doesn't really make a difference. Still mulling this over.Statistics: Posted by geocache59 — Sat Jan...
View ArticlePersonal Investments • Re: 9.9% state, 38.5% federal: What's the best money...
Hi all, I'm confused by the sudden sinking of the yield municipal money market fund. Previously I had determined based on "retiringwhen"'s amazing MM Optimizer spreadsheet that VMSXX was a better...
View ArticlePersonal Investments • Re: Moving to US from UK
any difficulties I might encounter bringing it back to the UK?It depends..Going for a Green Card or citizenship? I came to CA 'by accident' 25 years ago. It's good having a choice of countries....
View ArticlePersonal Investments • Re: 2 taxable investment questions
Is VOO the best etf to tax loss harvest with VTI? Obviously once I tax loss harvest I could end up with VOO for quite awhile so hopefully those dividends are also minimal. Or is there a better fund to...
View ArticlePersonal Investments • Re: How to "correctly" use backtesting
I could provide examples, but only if any of the commentary above made sense to youThank you very much for your detailed response. I'm kind of familiar with those tools in the links, but I really...
View ArticlePersonal Investments • Re: Retirement savings
I just retired June 2024, the 6 months before that I was extremely nervous about the market going down so I put everything in the 401Ks guaranteed fund. I transferred all my 401K money once I retired...
View ArticlePersonal Investments • Re: FBND vs BND for IRAs
I am just trying to get past the Ho hum of BND, otherwise the choice is more CDs, even Money Markets are doing better because of present higher interest rates.Fixed Income is just 20% of AA, have...
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