Personal Investments • Re: No More I Bonds Via Income Tax Refund
I was one as well. I also planned to stop taking my refunds in Ibonds this year anyways, TD is abysmal in converting the paper bonds sent to my TD account. I’m currently on month 8 waiting for last...
View ArticlePersonal Investments • Re: Broad market index funds with less exposure to the...
If you prefer risk from small capitalization stocks you can use a small cap or extended market index.The financial markets pretty much cater to just about every tweak available. Maybe you'd like an...
View ArticlePersonal Investments • Re: Portfolio Question: Advice on Fund Simplification
Don't listen to me as I am an idiot.The first thing I would address is your taxable account. As you noted, you have a bunch of your taxable account in a couple stocks. If you haven't yet done so, I...
View ArticlePersonal Investments • Cash balance plan at work, should we use it?
I have a new cash balance plan available at work. My spouse and I are trying to determine if we should use it, and if so, how much I should contribute. I don't have any experience with cash balance...
View ArticlePersonal Investments • Re: How much TIPS to purchase?
Personal decision.I bought 30 years worth of TIPS.Statistics: Posted by steadyosmosis — Wed Jan 29, 2025 7:20 pm
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Personal Investments • Buy fewer expensive funds or more of cheaper?
I know this isn't a simple question and depends on the funds but I'm confused about what's better to buy between these two mutual funds. My goal is to stay invested in one for 15-20 years. My...
View ArticlePersonal Investments • Re: Buy fewer expensive funds or more of cheaper?
Share price is totally irrelevantStatistics: Posted by jebmke — Wed Jan 29, 2025 7:25 pm
View ArticlePersonal Investments • Re: Schwab Cash Sweep Issues
I have recently experienced an unusual event at Schwab where I have maintained investment accounts for a very long time. Among the accounts is one which is primarily used for emergency cash reserves...
View ArticlePersonal Investments • Best approach to minimize taxes Fed and State (CA)...
Everytime I ask a question on this forum I get smarter thanks for this great community. It is tax time again, I'm dreading what I will owe. I'm curious if there are any tools or calculators, which can...
View ArticlePersonal Investments • Re: Roth Conversions, Add to I Bonds, or Something Else?
I'm afraid I can't help with this last question. I know nothing about financial aid for college....only enough to know it is something to consider when adding to your income by doing Roth...
View ArticlePersonal Investments • Re: Commingled Roth and Pre-Tax 403(b) contributions...
Same situation here. In my case, the fault lies with the consultant that my employer hired, who recommended one pot for both employer contributions and my contributions. Following conventional wisdom,...
View ArticlePersonal Investments • Re: Dad going into long term care (expensive) - how to...
OP,I'm so sorry for your situation. I went through a similar thing with both parents, it is a cruel thing. I'm so sorry.Others can offer better investment advice than me. I would like to just offer a...
View ArticlePersonal Investments • Re: Vanguard 1099-DIV, -INT, etc. available (taxable...
A tax question since I am not a tax expert. I noticed that VMRXX Cash Reserves Federal Money Market had a 1099 DIV but it uploaded into the Dividends section and not in the Interest section of my HR...
View ArticlePersonal Investments • Should my parents pay for a financial planner in...
My parents are nearing retirement and the “distribution” stage of their financial journey. They are considering hiring a financial planner who would charge an annual 1% of their retirement portfolio...
View ArticlePersonal Investments • Re: How to withdraw from 401k incurring least amount...
Your taxes are gonna be what they gonna be; the withdrawal from the IRA is fully taxable income. There are no angles to work here. You can use any of the free tax models to estimate what your taxes...
View ArticlePersonal Investments • Re: TIPS in a taxable account – when tax time rolls...
I've never heard they make taxes complicated. You get a second 1099 (this one an OID) for the inflation adjustment, and you just treat it as interest.A quick follow-up question on individual taxable...
View ArticlePersonal Investments • Re: Reassurance from Bogleheads
Congratulations! You've got 40+ years to build up an enviable retirement nest-egg. As I'm sure has already been said, go with a globally-diversified low-cost index fund or funds. VT @ Vanguard is...
View ArticlePersonal Investments • Portfolio Review - Mid Life Asset Allocation
Hello - can i please get your feedback on a proposed portfolio of simple funds? considering retirement or early retirement planning and want to reconfigure my current portfolio for simplicity (and an...
View ArticlePersonal Investments • Re: VTI for stock ETF in Merrill Edge taxable?
Look in the wiki article https://www.bogleheads.org/wiki/Tax_los ... tute_funds.Any of the ETFs listed in the "US Stocks" or "US Large-Cap Stocks" will suffice.Although not listed in the cited wiki,...
View ArticlePersonal Investments • Re: Medallion signature guarantee for smaller...
For what''s it is worth, I just did a rollover on Wednesday that exceeded the 25k limit listed on the transfer forms that they said needed a Medallion guarantee. Which is not a problem because my main...
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