Personal Investments • Re: Windfall and Early Retirement
In a down market, one buys more low-expense-ratio, passively-managed, broad-market index funds.As for early retirement, there is something called the "Sustained Withdrawal Rate" or "Safe Withdrawal...
View ArticlePersonal Investments • Bond Proxy
I use FSUTX - Fidelity Utility as a bond proxy. Even PG&E (Pacific Gas and Electric) is up from last year despite their bankruptcy. They don't function exactly the same as bonds, and sometimes...
View ArticlePersonal Investments • Re: 401k Consolidation from old 401k and IRA
Yes, I already called my 401k plan and they confirmed I can rollover my IRA.My bigger concern or lack of knowledge was whether or not it makes sense to move IRA to 401k other than for purpose of...
View ArticlePersonal Investments • Re: Leaving my broker, invest entire retirement money...
It appears that the Fidelity's offer expired however, M1 is offering up to $20k! Any M1 users out there who might feel using them and getting $4k for transferring money to M1 is better than using...
View ArticlePersonal Investments • Re: Selling HSA investments due to change in...
Sell the holdings, transfer to new HSA platform. No tax implications whatsoever.Statistics: Posted by veggivet — Mon Jan 22, 2024 11:47 am
View ArticlePersonal Investments • Re: 3% IRA transfer bonus at Robinhood: Worth it?
I'm sure the BHs considering this offer know that they can withdraw earnings without any clawback of the bonus, keeping the balance as close to $500k as possible.Statistics: Posted by veggivet — Mon...
View ArticlePersonal Investments • Re: iShares iBonds ETFs by BlackRock - thoughts?
I have some defined term treasury ETFs (IBTE, IBTF) in my taxable account to cover some upcoming expenses for those years, and a defined term corp bond ETF in my tax deferred (IBDT) for a gap year....
View ArticlePersonal Investments • Re: Tax-Managed Balanced Fund (VTMFX) for Taxable...
Another way to get to a 50/50 allocation would be half Vanguard Wellington (VWENX) and half Vanguard Wellesley (VWIAX). Managed funds with slightly higher expenses, simple, and self-balancing and with...
View ArticlePersonal Investments • Re: Most popular boglehead withdrawal strategy
I think if you ask Bogleheads who are actually retired and spending from their portfolio, the answer is "they spend whatever they feel like spending."This ^^^ describes my behavior. Retired for over a...
View ArticlePersonal Investments • Re: Financial Advisor?
Good answers so far. I've been a member of Vanguard PAS for almost 10 years and so far have been satisfied with the service. They have kept me from doing something I would regret,ie selling funds....
View ArticleClik here to view.
Personal Investments • Portfolio review and Company Profit-Sharing Plan
Emergency funds: Yes; about six months of expenses in separate accountDebt: Home Mortgage - 350k remaining at 2.75%Medical debt - 1500 remaining, 0% interestTax Filing Status:Married Filing JointlyTax...
View ArticlePersonal Investments • Re: Recommended Funds/Etfs for Taxable account
Thanks I am still reviewing the Wiki article since it is a lot to take in, and much of it seems to apply to a taxable account pre-retirement when one is in a higher tax bracket. Regarding VTMFX if I...
View ArticlePersonal Investments • Re: hold company stock for 2 years in ESPP to save...
If it's in your W2, then you don't want to additionally pay capital gains taxes on that 15% discount!I think if you sell the shares at the brokerage that manages the ESPP, it will be reported on your...
View ArticlePersonal Investments • Re: Cost Basis
Maybe you if you want to sell a very specific $ amount?That should be possible with specific identification anyways with a good brokerage firm.Statistics: Posted by livesoft — Wed Jan 24, 2024 12:17 pm
View ArticlePersonal Investments • Re: Dollar Cost Average in TQQQ Long Term - Questions
Like the other guys said. It’s basically casino money.Without insinuating that TQQQ is somehow a good investment, I'd like to counter the expression, that such investments are "casino money".Bets in a...
View ArticlePersonal Investments • Re: Need advice/portfolio checkup heading into retirement
Thanks for the quick reply. You think dumping the Comingled fund all into the Int’l fund might be the way to go? Hmmm. Is strict international exposure still advised? I know I’m low in that part of my...
View ArticlePersonal Investments • Re: Best way to handle pension -> IRA
Ok thank you. Sorry after this post I will learn how to reference specific comments in quotes as you did below. Currently there is still:Traditional IRA 1: ~$15k pre tax old pensionTraditional IRA 2:...
View ArticlePersonal Investments • Re: Portfolio Advice and Review
2. I’ve been thinking to sell the 190k in various index funds to simplify my portfolio. But doing so would incur around 60k of long-term capital gains. Any thoughts on this? This might be helpful as...
View ArticlePersonal Investments • Re: Early Retirement Plan - Age 38 w/over $2 million
While I think a lot of people here are too conservative, I wouldn't retire at 38 unless I knew my time left was very limited due to a medical issue. Just too many strange things that will likely...
View ArticlePersonal Investments • Re: Roth IRA question
yes sir! LOL It's Roth, not ROTH (not an acronym, it a person's name). I would get more consistent about funding your Roth if you are eligible (direct or backdoor). Review this Wiki for efficient...
View Article