Personal Investments • Re: Should I convert retirement savings into a Roth...
Roth conversions are most valuable if your other taxable funds available to pay the taxes. If you have other funds available to pay the taxes you get to keep the full value of the conversion in the...
View ArticlePersonal Investments • Re: Schwab is not paying interest to sweep cash
My experience has been that if I want to sell money market shares, I have to wait until after the trading day is over for that sale to go through. So the funds are available to make a purchase the...
View ArticlePersonal Investments • Re: Investment input
Read this first: https://www.bogleheads.org/wiki/Risk_an ... pplicationVOO is stocks, just so we're clear. So is VTI.Statistics: Posted by Beensabu — Fri Feb 28, 2025 9:56 pm
View ArticlePersonal Investments • Re: Pull in your horns on asset allocation if...
My perspective on this is that the proper way to address it is having an appropriately sized emergency fund. In my early forties I increased my emergency fund from one year of expenses to 3 over the...
View ArticlePersonal Investments • Re: Backdoor Roth -- 2024 Tax Year Contribution, 2025...
In January 2025, I contributed $7,000 to a traditional IRA; Schwab asked me what tax year this was for, and I selected tax year 2024 (which I can do, because I made the contribution to the traditional...
View ArticlePersonal Investments • Re: Target Date Funds Vs BH
This will tell you why target date funds were created and how/why they changed to be as aggressive (not conservative) as they are today:Target Date Funds—a good idea co‐opted Statistics: Posted by...
View ArticlePersonal Investments • Re: Help me help my dad fire his financial advisor
Use Fidelity if the funds will transfer in-kind. Fidelity is POA-friendly. Once transferred, turn off dividend reinvestment and sell the high ER funds tax efficiently.Statistics: Posted by HomeStretch...
View ArticlePersonal Investments • Re: 23 year old male with $60k in my HYSA,$16k in my...
I am two years out of college with no debt at all and work as a Data analyst in Florida. I have 60k in a HYSA and 16k in my 401k account. I know I should be doing more with my money but I need some...
View ArticlePersonal Investments • Re: Is buying farm land a good idea?
Who is going to farm it?If someone gifted me a parcel of farmland, I would sell it as fast as possible, and invest the money in a diversified stock portfolio. I'm a city person, through and...
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Personal Investments • Re: How to ditch your brokerage when it’s…. Family?
I wanted to call myself Never2L8 but apparently it was taken. While discussing other potential names with my wife this morning my 6 year old walked in and I asked her if she had a good name for me....
View ArticlePersonal Investments • Re: Which financial decision you regret most?
Buying a home we definitely didn’t need the June 2006. Literally the month the housing market peaked nationwideI remain genuinely surprised how few people I see on the forum noting negative impacts of...
View ArticlePersonal Investments • When/why did you decide on a global market cap weight?
I'm a US citizen and plan on spending the rest of my life in the US. For the equities portion of my portfolio, I'm currently at 75% US, 25% ex-US, and I've been at that position for the past 5 years...
View ArticlePersonal Investments • Re: Thoughts on TCAF ETF (T Rowe Price Capital...
And that last point is also important in choosing a fund to add to your portfolio; what will that fund do to the risk of your portfolio as a whole? If you hold a value fund in your IRA or 401(k), then...
View ArticlePersonal Investments • Re: Help me find a US treasury fund that pays state...
Why pay an ER of .42% when the Vanguard Treasury MMF VUSXX has an ER of .07%? The SEC yields also generally reflect that spread.It is my emergency/short term fund, so the quantities involved don't...
View ArticlePersonal Investments • Re: Should I sell using market or limit?
Marketable limit orders are most important when selling.Statistics: Posted by Northern Flicker — Sun Mar 02, 2025 11:10 pm
View ArticlePersonal Investments • Re: Best Investing Strategy for Someone Who Holds Real...
From what you’ve said, it sounds like they are going to be able to make ends meet with their current real estate holdings. If it ain’t broke, don’t fix it. One idea would be to sell their properties...
View ArticlePersonal Investments • Re: Social Security office says I have Retirement...
https://www.efast.dol.gov/5500Search/If you go here and enter the plan name, it may help you figure out who the current plan sponsor is and contact information. The SSA notifications in theory should...
View ArticlePersonal Investments • Re: Would love advice/clarity on Annunity set up by...
It wasn’t a good idea, it was a great idea-—-for her! Each annuity will have its own gotchas. But in general there is a period of time when you pay a large fee to withdraw money, then there might be...
View ArticlePersonal Investments • Re: Portfolio Review from the Internet Stranger...
Op, imo you are doing fantastic.I don’t think a few based advisor will given much better advice than here. You just have to stick it out and keep asking questions. This forum and its experts are a...
View ArticlePersonal Investments • Re: For high income households, how much cash do you...
Nobody is afraid of a 50% drop in equities? I’m not timing the market, but current valuations of the market are high by historic standards.Statistics: Posted by Tenesmus83 — Mon Mar 03, 2025 11:06 pm
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