Personal Investments • Re: Payoff 6.75% mortgage? and asset allocation...
I think it is one of those decisions with multiple reasonable choices. Personally, I would view the mortgage pay down as I would aRoth conversion decision, have a plan but reevaluate each year. This...
View ArticlePersonal Investments • Re: Merging services at Fidelity and Vanguard
Also, one of the reasons I was leaning towards Vanguard is that I need help with constructing a financial plan that includes help with Roth conversions, cash flow planning, and tax savings strategies....
View ArticlePersonal Investments • Re: Is it time for international
Has anybody told you yet that when you ask "is it time", that's not good?That's you looking for an entry point based on market conditions.You know what that means.Statistics: Posted by Beensabu — Wed...
View ArticlePersonal Investments • Re: $900k to invest new to Bogleheads
You came to the right place for help. Lots of brilliant minds on this forum.Have you considered diversifying your portfolio and investing in strategies that take both market risk and taxes out of the...
View ArticlePersonal Investments • Re: Home Sale Proceeds (again, I know...)
Will you need the entire 900K for your new home? If not, Diamond Nest Egg just shared a 12 year non-callable CD at Security State Bank paying 5%, but early withdrawal penalty is...
View ArticlePersonal Investments • Re: HSA - Which one do you recommend?
The 0.35% from Fidelity seems quite high in comparison. I imagine most Bogleheads aspire to use HSAs as long-term, triple-tax advantaged investments.Am I missing something here? I can't imagine BH...
View ArticlePersonal Investments • Do I rollover an old 401k account
Recently changed employers and enrolled in their 403B plan. My old employer had a 401k, both plans are fairly similar options of assets and administrative fees. I'm just wondering if I should roll the...
View ArticlePersonal Investments • Cryptic email from Vanguard "...
Today evening I received a cryptic/ scammy sounding email from Vanguard "Client-Reimbursement" essentially saying they offer to pay me some money. I assumed with rampant Internet scams, this is some...
View ArticlePersonal Investments • Re: Cryptic email from Vanguard "...
Maybe related to this mystery?"Vanguard - No More SpecID for Limit Orders"viewtopic.php?f=1&t=447407Statistics: Posted by chinchin — Thu Feb 20, 2025 11:12 pm
View ArticlePersonal Investments • Re: Vanguard - No More SpecID for Limit Orders
A board member just posted that Vanguard has discovered systemic errors related to SpecID trades:viewtopic.php?f=1&t=450148Specifically, we determined that, in limited circumstances, your Specific...
View ArticlePersonal Investments • Re: Time of day to buy or sell an index ETF?
If I choose "On the Close", will there be a bid-ask spread or it will be bought or sold at NAV? Usually between 3:30 and 4 pm EST the b-a spreads are high.If you trade on the close or open, you may...
View ArticlePersonal Investments • Re: IRA Fidelity Core Bond Strategy Exiting?
I have to challenge your statement that the outperformance is due to increased risk level.Go to the Morningstar links I provided. Click the RISK tab.You will findVBTLX RISK SCORE = 19VCOBX RISK SCORE...
View ArticlePersonal Investments • Opinon on Vise AI Investment Portfolio Management...
Any knowledge or opinions on this company, see https://vise.com/. A friends financial advisor uses this company to manage a portion of his assests and I had never heard of them. I can't find much...
View ArticlePersonal Investments • Re: Which financial decision you regret most?
Staying 90% in Money Market funds from late 2007 until 2013.Same.I thought i was the smartest person in the world when I sold out near the peak before the recession. Problem was I didnt have any idea...
View ArticlePersonal Investments • Re: Move Nationwide Funds to Fidelity?
Can you list the Nationwide funds you are considering with ERs? My gut says costs matter and the funds would be better off saving a quarter or half a percentage or more.Statistics: Posted by Minty —...
View ArticlePersonal Investments • Re: NRA [Nonresident alien] with G4 visa status: Does...
My wife is a G4 visa holder. We used Interactive Brokers to purchase VUAA which is an accumulating ETF domiciled in Ireland. Accumulating ETFs do not issue dividends, so no taxes are owed.Statistics:...
View ArticlePersonal Investments • Re: Why an emergency fund?
66 y/o retired on SS and small pension. Wife retired and small SS. Not needing IRA withdrawals for daily expenses.Have 259 K in Vanguard pre tax and 300 K managed in IRA by Merril Edge.Question...
View ArticlePersonal Investments • Re: Ibond as emergency fund
I'd say the only downside is the lack of paper bonds. My mom and I spent 8 hours with TD on the phone once to cash 2 inherited $50 electronic bonds my dad had with my kids as beneficiaries. After...
View ArticlePersonal Investments • Re: fidelity FA: "VXUS costing me 1.1% due to tax...
The sales pitch is pay 0.40% to own an SMA and save 1.00% in taxes.Good: If you are in a high tax bracket, the strategy can pay for itself. Except that it usually can't. On a $1M portfolio, you pay...
View ArticlePersonal Investments • Re: Portfolio Question: Closest way to mirror 60/40...
The 30-day SEC yield of two 60/40 funds:Vanguard Balanced Index Fund (VBIAX) - 2.44%Vanguard LifeStrategy Moderate Growth Fund (VSMGX) - 2.71%Statistics: Posted by Beensabu — Sat Feb 22, 2025 10:39 pm
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