Personal Investments • Re: Questions about two "bonds"
1. Brighthouse Financial Inc. Jr. Sub. Deb. 2058 6.25% (BHFAL). My advisor bought about $35,000 worth at about 25.00. Currently trades at $21.19...2. Stifel Financial Corporation Senior Notes 5.2% due...
View ArticlePersonal Investments • Re: IUL to pay daughter's college tution
I'm looking at the investment options in the 529 plan. I will need to begin withdrawing funds towards the end of 2028. I'm confused.In your original post, you said that you'd plan to pay premiums on...
View ArticlePersonal Investments • Re: T-Bills - still a good invesment?
Another advantage is: treasury bills can be used as pseudo tax deferred investments! Say, you buy treasury notes worth 100k with maturity 2045. You are effectively not paying taxes on that 100k for...
View ArticlePersonal Investments • Re: Best way to avg 10% annual return via Boglehead...
Short egg futures on margin. I'm sure you'll get a 10% swing. At least.What could go wrong?Statistics: Posted by trueblueky — Mon Feb 10, 2025 8:42 pm
View ArticlePersonal Investments • Re: please help with if we're on track to retire in 7...
I would convert FELG to at least 50% VTSAX and 50% FELG to add diversification.I would then continue adding to VTSAX and FELG with new funds.Sell the RE if it becomes a headache (and invest proceeds...
View ArticlePersonal Investments • Re: TIPS equivalents for TIPS aficionados concerned...
I think most of us who buy TIPS are doing so to deliver a known amount of purchasing power within certain timeframes. Since my purchases are in US dollars, the appropriate inflation indexing applies...
View ArticlePersonal Investments • Re: Unknown Retirement Date Preparations: Severance
If you were comfortably prepared for retirement (25-30X) but were planning to continue working for another 8-10 years unless a severance package (5X) was offered how would you structure your portfolio...
View ArticlePersonal Investments • Re: Several accounts, What funds in each?
Couldn't I just open a traditional at that point? When you move the money over later you will be paying the taxes on growth, don't you think that's a wash for any tax savings you would get? Since...
View ArticlePersonal Investments • Re: Asset Location Question - taxable, tax deferred...
I live in CA and still keep my municipal funds in a lower bracket. I am attempting to pull a Roth conversion off myself this year while trying to maintain the 0% federal QD/LTCG tax rate. This is the...
View ArticlePersonal Investments • Re: REIT funds of a deceased investor
Right. This part I think I understand. But what I’m being told is it currently doesn’t matter if there’s a buyer. The companies have put a hold on redemption (liquifying) indefinitely. No one is...
View ArticlePersonal Investments • Re: Tax efficient money market alternative
Vanguard Treasury MM Fund (VUSXX) has about the same yield as Vanguard Federal MM Fund (VMFXX), but a significantly higher percentage of Treasury investments. So you could decrease the amount of state...
View ArticlePersonal Investments • Re: Capital Gain [How much capital gain did I make?]
The account is now worth 12,847.13. But you only paid 12,767.22 to get there. You have a GAIN of 69.92.Looks like a gain of 79.91?Statistics: Posted by Soaky — Wed Feb 12, 2025 9:15 pm
View ArticlePersonal Investments • Re: Money Market Funds new to investing
I've been helping out with my dad's finances for less than a yearI've also gotten two CDs at 3.75% and 4.25% and I'm always surprised that money market accounts get over 4%Wish I was told about this...
View ArticleClik here to view.
Personal Investments • Re: Advice for 2025: OMY or Retire Now?
Just want to add that this is a great thread. The OP is engaged and responds to many questions All these questions and answers are very helpful to me too. Thank you agree. Reading these posts is so...
View ArticlePersonal Investments • Re: Roth conversion timing
Too many assumptions and predictions of the future required to ever really know what the right plan should be. I just do an annual assessment of likely income after SS and RMDs kick in and convert to...
View ArticlePersonal Investments • Re: FA fees going up on my 401k plan.
This sounds like a solo 401k. Based on your comment that you are sure what kind of plan it is, your FA may be helping you to operate the plan. When you have a solo 401k, you are the employer and you...
View ArticlePersonal Investments • Re: Looking for some advice for my niece
I am going to encourage her to max Roth space. Other thoughts / considerations?Maxing out a Roth IRA is only a $7K commitment (start small!), so that seems reasonable. However, she needs to understand...
View ArticlePersonal Investments • Re: Most efficient way to re-allocate taxable account
My specific question here is how do I change my current allocation effectively from a tax standpoint. About 50k of the FGBRX/FSELX funds is growth. Mostly LTCG.No state tax but top tax bracket...
View ArticlePersonal Investments • Re: Wash Rules Question
I will also point out the Related Party Transaction law (26 U.S. Code § 267), which is similar to the wash sale law and found near it in the relevant IRS publication. It lists the following as some of...
View ArticlePersonal Investments • Re: Helping my mom
My 80 year old mom has scrimped and saved and now has a decent nest egg. For the past 8 years she has a independent financial advisor who has got her in all sorts of individual stocks, some bonds and...
View Article