Personal Investments • The mechanics of 401k withdraws in retirement
When it comes to taking retirement distributions from a 401k, whether pre- or post-RMD age, how much control does one have over what is liquidated to fulfill a requested distribution? For instance, I...
View ArticlePersonal Investments • Re: Schwab Intelligent Portfolio vs 3 fund
I stand corrected, the total bond fund has a significant loss this time period. So the Schwab cash portion has actually helped.Statistics: Posted by Jobseeker2013 — Fri Feb 07, 2025 8:46 pm
View ArticlePersonal Investments • Re: Is .7 too high of an admin fee in a 457b?
Each account is currently approaching the NCUA insurance limit, so the next 5 years at $31k each per year in both accounts would be in excess of it.Do you actually need to use these 457 accounts? And...
View ArticlePersonal Investments • Re: inherited ira company
... And this cannot be fidelity investments, the disrespect masters.All brokers have their good and bad features (as well as employees). Over all our experience with Fidelity has been excellent....
View ArticlePersonal Investments • Re: I was offered an annuity
Fidelity pushes annuities in various subtle and not-so-subtle ways. Selling annuities is a profitable business for them, which is one sign that it isn't a good deal for you. But as many other threads...
View ArticlePersonal Investments • I am worried....
I was planning to do so much earlier, but I was slow to do a partial distribution of my TSP account to a traditional IRA at Vanguard. The funds were removed January 31st (though I left some in) and I...
View ArticlePersonal Investments • Re: The mechanics of 401k withdraws in retirement
You should have complete control over what is sold, and when, right down to singular investments. In no way should a 401k “provider” have any say or interference in how you move or liquidate funds....
View ArticlePersonal Investments • Re: Bonds: I surrendered
Anyone thinking of getting out of TBM and moving to cash should have done so in 2009 or 2010. Hindsight is 20/20, so saying you should have gotten out of TBM only in 2021 is saying so with the benefit...
View ArticlePersonal Investments • Re: Is the no more than 30% rule on rent/living pre or...
Hi everyone,I am looking into renting my first apartment as I have been living at home taking care of my sick mother who is now better. I have done a lot of research on renting and what to expect and...
View ArticlePersonal Investments • Re: Hiding Bonds So You Don't Have to See Them
I can't stand to see a big clop of bonds in my portfolio, just lying there like a bunch of rocks, going nowhere. In my early accumulation years, I referred to them as a boat anchor.Statistics: Posted...
View ArticlePersonal Investments • Re: Thoughts on my VOO/VBR/VXUS portfolio?
So this is a portion of your portfolio.Edited the post to provide more context on my existing investmentsStatistics: Posted by yolk — Sat Feb 08, 2025 8:44 pm
View ArticlePersonal Investments • Re: Bernstein makes me wonder if I'm doing bonds all...
Regarding TIPS, I just can’t fully digest the idea that they are the safest option. Safest?A single TIPS (not a TIPS fund holding multiple TIPS with different maturities) is the safest for the...
View ArticlePersonal Investments • Re: Experiencing FOMO over a particular stock
Lightbridge - if listed on nyse , is in total market.yep, right there on page 47 of the annual report, 383,955 shares at the time of annual report valued at: $1232,000. Now at $12.32/share those...
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Personal Investments • Re: Investment Order Advice
I would maximize pre-tax before any I-bonds. Also, I would prefer pre-tax before any Roth IRA unless in very low bracket.LOL the good old pretax vs Roth debate. I guess I like I-Bonds because I feel...
View ArticlePersonal Investments • Re: Is VTI still a good choice?
VTI is a great choice for total US market because when (not if) the Mag 7 fall out of favor, it will hold their replacements at the appropriate cap-weighting.Statistics: Posted by Hot Sauce — Sun Feb...
View ArticlePersonal Investments • Re: investing in index funds while managing exposure...
Bogleheads often promote diversification using total international stock and total bond market index funds, but generally disagree with deviating from a market cap weighted index fund like the total...
View ArticlePersonal Investments • Re: $10mm in “3 Fund Portfolio”
For an intuition regarding the prospects for a given portfolio starting at a given time here is a chart of the historical experience, albeit only for generic stocks and generic bonds from 1871 to...
View ArticlePersonal Investments • Re: Expense ratios of Vanguard vs. Fidelity funds
...I'm not sure if Portfolio Visualizer accounts for expense ratios or not...It does. Thanks to SEC regulations, all the standard return and average return numbers that funds report are after...
View ArticlePersonal Investments • Re: Looking for some advice for my niece
This is a really great financial jump start for your niece. I would have her read the pamphlet "If You Can" by William J. Bernstein, available online as a PDF. This will help her get started thinking...
View ArticlePersonal Investments • Re: Portfolio review and rebalance suggestions
Hi everyone, appreciate all the insights and questions. Here are a few additional clarifications:@sailawayCorrect, fixed the tax rate numbers for federal and state in my original post.@invest4The...
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