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Personal Investments • Re: Portfolio Review- Warning Alternative Assets!
What skipper said! Such a beautiful description I read it out loud to my SO! Well done indeed! Statistics: Posted by chefann — Sat Feb 22, 2025 10:39 pm
View ArticlePersonal Investments • Re: Retirement 1 year in – help with Tax strategies...
I would relocate the bond and cash holdings to be inside the IRA for tax efficiency. In the taxable account I'd hold...VTSAX - 2,803KVTIAX - 1,436KIn the IRA I'd (eventually) hold. This could be done...
View ArticlePersonal Investments • Saving for house in medium term time frame
Hello,I am 24 years old and planning to buy a house in a medium term time frame. Somewhere in the 7-10 year range I expect, but also I have no real idea as there are a lot of variables between now and...
View ArticlePersonal Investments • Re: iShares iBonds defined maturity etfs
Below is a link to the iBond ETF lineup:https://www.ishares.com/us/strategies/b ... nd-laddersI am using the High Yield and Corporates. The TIPS are fairly useless because you could build your...
View ArticlePersonal Investments • Re: Saving for house in medium term time frame
https://www.riskparityradio.com/At least look at the strategy of intermediate-term risk parity before reading the endless advice you'll get here to do a T-bill ladder or something. You're going to get...
View ArticlePersonal Investments • Re: 401k and bonus
Does your plan allow “after tax” contributions?The $23k limit is for Pre-tax 401k + Roth 401k contributions.The $69k limit is for Pre-tax 401k + Roth 401k + Company Contributions + After-tax...
View ArticlePersonal Investments • New investor with portfolio question
I'm new to this forum and recently started reading a lot of info about index funds, no experience yet of it.Would be really grateful for help on my investment strategy please.Background:Me 46 - Sales...
View ArticlePersonal Investments • Re: Looking for percentage of government obligations...
POIXX does not appear to hold any assets that would qualify, so I would assume zero.Blackrock's tax document does not list TMCXX. I don't know why. But again, their current holdings identify about...
View ArticlePersonal Investments • Re: Short term holding pattern for house funds
If preserving capital is non-negotiable, then you have a hopeless task. In my opinion, the best you can do is put it all in Treasury money market or short term bonds, which should yield a bit over 4 %...
View ArticlePersonal Investments • Re: Fidelity Calling
I worked in the industry for 4 decades. During the peak of complaints about Vanguard here on bogleheads, a Fidelity office opened near me.I looked at the bios of the in office "advisors" and frankly I...
View ArticlePersonal Investments • Re: TIPS Ladder tool
"Correct" depends on individual needs. When I built my ladder it suggested buying some extra before and some after the missing years. That works for me. I have been buying the missing years as they...
View ArticlePersonal Investments • Re: Help for risk-averse relative with $800K in money...
This is a very different suggestion, but have you considered using part of the funds to purchase a SPIA?Statistics: Posted by Katietsu — Mon Feb 24, 2025 11:29 pm
View ArticlePersonal Investments • Re: rebalance IRA while retired
Does your mom have any other accounts besides this IRA? If yes, consider tax-efficient fund placement across her accounts per this BH page:https://www.bogleheads.org/wiki/Tax-eff ......
View ArticlePersonal Investments • Re: 50/50 Tech and Dividend Portfolio
Look at the graph, too. Now imagine it was 2001 and you chose Tech instead of a broad market fund. That's the kind of risk you are taking.Right, but except for around 25 years, the tech index...
View ArticlePersonal Investments • Re: Any special issues when migrating from TIAA-CREF...
Agree that they need to consider whether they want to give up the option of annuitizing at TIAA. They may never need or want to do that, but if they do, TIAA is unbearable for annuitizing, especially...
View ArticlePersonal Investments • Re: Where to put non-equity $$ for zero interest rate...
What is the anticipated tax bracket? There are many options but it greatly depends on tax treatment.Our tax bracket is 24%.Given this bracket and no state tax, I think that most taxable bond choices...
View ArticlePersonal Investments • Re: Which financial decision you regret most?
If I’m honest I regret not sticking to the plan (once a plan is determined). Things I regret a bit:Trying to time the market by only investing new $ in bonds around 7-8 years ago. Timing Covid right...
View ArticlePersonal Investments • Re: Managing IRMAA with lots of interest and dividend...
Not at all feasible for many people. I have far more in taxable than tax-advantaged, and therefore my AA could not be where I want it to be.I need to have bonds in taxable for that reason alone.In...
View ArticlePersonal Investments • Re: I’m torn. Rebalancing cost and benefit. Help
About $1MSo then you have roughly $4.25M in equity in your taxable account and the rest cash/bonds? Then put all of your 401K into fixed income and you immediately have a 71/19 AA. Then turn off all...
View ArticlePersonal Investments • Re: Feeling like I should jump ship. I hope you all...
I'm so close to retirement, I moved my retirement acct into a money market as I can't chance a recession. It's my own fault being this aggressive this close to retirement. I was hoping I could get...
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