Personal Investments • Re: Opinions on 90/10 Portfolio by Warren Buffett
Cash. Buffett holds billions worth in T-Bills. Risk free investment.Interesting - your thoughts are that markets can crash by 90% and cash will retain value.It absolutely will. T-Bills are risk free...
View ArticlePersonal Investments • Re: Does anyone use the Merton Share?
This gets circular in a hurry, since people are told to pick an AA that meets their risk tolerance.The question becomes do you make this choice independently and then see what happens, or do you...
View ArticlePersonal Investments • Re: Dad going into long term care (expensive) - how to...
Sorry to hear the news, dementia is a tough diagnosis for the patient and the family. One thing about aging and dementia in particular is that it is difficult to predict exactly what he will need...
View ArticlePersonal Investments • G Fund and the debt limit
As of January 23, 2025, the U.S. Treasury was unable to fully invest the Government Securities Investment (G) Fund due to the statutory ceiling on the federal debt. However, G Fund investors remain...
View ArticlePersonal Investments • Re: 1st RMD at VG. Explain how to specify a tax % for...
Exchange to another fund, Refill the dollar amount in the tIRA (a bit of a bug),Yeah, I noticed this last night when I tried it, about refilling the amount.choose your taxable account and then the...
View ArticlePersonal Investments • Re: New here - question to ask
I'm new on this forum. I have a question about a change made by Vanguard to my wife's 401-K allocations, and some things shown on her most recent statement. Is this the correct section to ask it?? Am...
View ArticlePersonal Investments • Re: Just Started Early Retirement : Fixed Income...
TIPS and iBonds are only protection against relatively mild inflation.If I bonds do what they are supposed to, they will meet or beat whatever inflation actually is. I don't see that process breaking...
View ArticlePersonal Investments • Re: Best company for 401K
My 4 person company uses Guideline. The fees are reasonable and we have access to many Vanguard low-cost index funds.Statistics: Posted by cglassware — Mon Jan 27, 2025 6:57 pm
View ArticlePersonal Investments • Re: Roth Conversions when in Highest Tax Bracket
Not to hijack this thread, but I'm curious about this related scenario:- An 80 year old (assume retired) that has assets above the current estate tax exemption amount- Has ~$7MM in traditional IRA and...
View ArticlePersonal Investments • Pls clarify on 'backdoor Roth' options & steps
Hi folks,Since my wife & my joint income for 2024, and for 2025 (expected) will be above the annual ROTH limit, we are considering the backdoor Roth option. Both of us are over 50. Neither of us...
View ArticlePersonal Investments • Re: Moving equities in a portfolio into ETF's ?
I accumulated a ton of individual stock holdings back in 2018-2021. Since 2022 I’ve completely stopped buying individual stocks and I adopted an almost 100% Boglehead 3-fund investment strategy, but I...
View ArticlePersonal Investments • Starting to Plan. Advice and suggestions.
I had posted the other day about how I'd like to start investing for the future but was not sure how to and some you guys responded with some suggestions and advice. Someone said to post some numbers...
View ArticlePersonal Investments • Re: Can I start Investing if I still have Student...
I have couple thousand saved up which is for a rainy day in a high interest savings.You do want enough in checking/savings so you aren't bouncing checks, but otherwise what interest rate are you...
View ArticlePersonal Investments • Re: Surprise! 2024 Schwab taxable account 1099s...
Looks like the 1099's are only for accounts with no Dec Trades. Accounts with Dec trades say 2/14.It isn't that.Statistics: Posted by nalor511 — Tue Jan 28, 2025 6:54 pm
View ArticlePersonal Investments • Re: Best selection of individual bonds Vanguard or...
thanksStatistics: Posted by bowerynation86 — Tue Jan 28, 2025 6:55 pm
View ArticlePersonal Investments • Re: Portfolio Review/Personal Finance Options Advice...
This is incredibly helpful. The articles you've linked to have helped convince me to up my international exposure. I will be putting my ~130K cash in VXUS and updating future contributions...
View ArticlePersonal Investments • Re: Crazy news from Vaguard [Funded account has zero...
If it was turned over to the state (escheated), that would explain the lack of account history. They turn over everything when they turn an account over to the state. I’m surprised the zero balance...
View ArticlePersonal Investments • Re: Vanguard email [was attempted to be] changed and I...
I just so happened to update an email address on one of my accounts a few days ago. For me, the process was:Log in with my user id and passwordReceive 2FA code on my phone and enter itNavigated to...
View ArticlePersonal Investments • Re: Bond Portion of 70/30 Portfolio
Hi Northern - i dont have the best bond locations just yet - the bonds funds are mostly 401K and some in a taxable. The tbills are in taxable. We enjoy avoiding the ~4% state tax with the tbills...
View ArticlePersonal Investments • Re: Portfolio Advice with eventual TLH?
...So it doesn’t matter if, in taxable and tax advantaged accounts, I hold finds with a major overlap of stocks (but clearly not identical), knowing they are all versions of a U.S. total market fund?...
View Article