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Personal Investments • Re: Fixed Annuities to De-Risk Portfolio in Retirement?
You can buy a bond ladder for not much less. There is nothing magic about a MYGA. ? No one said there was. But unlike bonds, you can get a guaranteed rate of return, whereas bonds fluctuate and can...
View ArticlePersonal Investments • Re: TIPS 5yr 0.125% - 912828Z37 is it any good?
It is a good tactic, but not sure about the overall strategy when you have 85% in VOO.Statistics: Posted by TheRoundHeadedKid — Sun Feb 16, 2025 10:21 pm
View ArticlePersonal Investments • Re: Does Roth 401k make sense?
KlangFool wrote: Tue Feb 11, 2025 5:13 pmOP,<snip>2) What is your annual savings/investment?about $85k including 401k contributionMaxing out your 401k with $23k leaves $62k of savings! Your...
View ArticlePersonal Investments • Re: Early Retirement Strategy Review
A couple of things;1) How much Social Security do you expect to get and when to you expect to start it? See this website if you are not familiar with it.https://opensocialsecurity.com/2) If you sold...
View ArticlePersonal Investments • Re: Retirees: Which safe withdrawal rate allowed you...
I've been retired for 3 years and have been using the VPW so I don't have to think about withdrawal rates. I've been withdrawing about two thirds of the amount available each year so my portfolio is...
View ArticlePersonal Investments • Re: De-risking a portfolio at retirement
Which brings me back to my original question: Should I de-risk our 60/40 portfolio by buying bonds in Roth to lower our AA?And it all comes down to Need, Ability and Willingness, which, like 42, is...
View ArticlePersonal Investments • Re: Thoughts on tax-free disability savings ABLE...
The reason to do an ABLE account is to have the ability to save without interfering with government entitlements. The account holder can have more than 2K in assets in the ABLE account and still...
View ArticlePersonal Investments • Re: Invest in Private Equity?
Thank you. That's good advice. I can do the background for the people involved. For business ideas, where would I find success rates of analogous businesses? I feel like this is good advice because it...
View ArticlePersonal Investments • Re: Treasury funds state tax exemption- California
i don't know what to tell you.https://codes.findlaw.com/ca/revenue-an ... 53-99.htmlBut just to be clear, nowhere in that article does it explicitly connect the 59.87% to "[meeting] the requirements...
View ArticlePersonal Investments • Re: Klangfool Own Vs Rent Rule of Thumb
I rented a luxury apartment in a major metro and other than noise had no issues.Having lived in a variety of major metro areas and relative backwaters, it's my observation that this is one of the...
View ArticlePersonal Investments • Re: TreasuryDirect bonds on death of first owner in...
Some of your questions might be answered on the TD's FAQ or "How to" tab when you log into your account.1) TD had not been notified of my father's death when I sent TD his death certificate. I don't...
View ArticlePersonal Investments • Re: Seeking Advice on Betterment Portfolio Allocation
I strongly believe the U.S. market—especially large-cap stocks—will outperform international markets in the next decadeVanguard is forecasting ex-US as the better performer esp vs US Growth....
View ArticlePersonal Investments • Re: Are treasuries still safe?
I am concerned about the Treasury given news coming out of Washington. Can someone ease my mind or do you have same concerns about credit worthiness of Treasury?From my perspective, if there’s a bunch...
View ArticlePersonal Investments • Re: Can I Retire? Seeking Input on My Plan
We are renting for now, and when the house sells we will be flush with cash. $330k cash eq. + proceeds from sale of home (1.5m+ total) . The harder question in my mind is how much to keep in...
View ArticlePersonal Investments • I think I made a $46,000 mistake in my taxable...
I have a roth ira and a brokerage account. I have been making $7,000 contributions to my roth but I don't think I can keep this up. So, I want to sell $7,000 from my brokerage account each year to...
View ArticlePersonal Investments • Re: VTWAX (Vanguard Total World Stock Index Fund)...
vtsax has outperformed vtwax. why not just stick with vtsax. especially considering the currant political climate steering away from globalismStatistics: Posted by Dakota — Tue Feb 18, 2025 10:48 pm
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Personal Investments • Re: 100 Baggers?
I guess ten-baggers are too boring nowadays. (I've never been into individual stocks, so I'm just heckling from the peanut gallery.)Statistics: Posted by 22twain — Tue Feb 18, 2025 10:54 pm
View ArticlePersonal Investments • Re: Should 22 year old new in the workforce contribute...
As bored as a 22 y/o would be with reading investment principles (one 19 y/o and one 21 y/o...so I get you), I would encourage her to read If You Can - How Millennials Can Get Rich Slowly, and listen...
View ArticlePersonal Investments • Dumb MM question
I feel like this is a dumb question but couldn’t find a reliableanswer. Do VG MM funds have frequent trading restrictions? If I want to bounce between the municipal mm fund and the treasury mm fund is...
View ArticlePersonal Investments • Re: Dumb MM question
I moved to Fidelity recently but I am pretty sure you are free to allocate to anything to those funds as much and as frequently as you want.https://investor.vanguard.com/investor- ......
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