Personal Investments • Re: Don't understand Vanguard Bond funds
Could anyone make some suggestions to help me pair down my options?What do you want from bonds? What do you want them to do for your portfolio?Statistics: Posted by Beensabu — Thu Mar 06, 2025 11:54 pm
View ArticlePersonal Investments • Re: Which 3 and why, 46, if you started exactly today
This is a no brainer for me. If starting at 46, I am behind and can only achieve my goals of retiring at 65. Therefore I have to be aggressive. Given stocks outperform bonds in almost all 20 year...
View ArticlePersonal Investments • Re: Quicken/VG Connection
As an aside, I also lost my direct connect with Truist bank. Just now found out that direct connect with Quicken is available for $9.95 a month.I'm getting the notion that more and more banks and...
View ArticlePersonal Investments • Re: Hands tied with John Hancock, how to navigate?
See how Fidelity plan compares. https://www.fidelity.com/retirement-ira ... 401k-plansStatistics: Posted by the_wiki — Sat Mar 08, 2025 1:45 am
View ArticlePersonal Investments • Re: Need reality check on relocation and retirement plan
You certainly are in a better position than many who move. But it’s less of a financial decision as it is a personal one - and a big part of that is the kids. You could do both and start looking for...
View ArticlePersonal Investments • Re: Did we make it? Is it finally time for the Mega...
And then there's the selection:In-Plan Roth ConversionElect to have any future After-Tax contributions automatically convert to Roth.Convert After-Tax to Roth?No YesThat's a really nice option to...
View ArticlePersonal Investments • Re: Taxable or Non Taxable for Total Bond Fund?
Stock index funds are already tax advantaged because they’re basically not taxed until sold. So bonds go in the tax advantaged accounts. There’s sometimes arguments as to whether Roth or traditional...
View ArticlePersonal Investments • Re: Pay down mortgage or invest in taxable?
Pay the mortgage off ASAP. You will be much more financially secure. You will also have a boatload more money to invest every month without sending it to some bank. I don't have one good reason not to...
View ArticlePersonal Investments • Re: SWVXX vs SNVXX vs somthing else in taxable Schwab...
HiSlight related but unrelated question.Will any of below accrue interest at Schwab0) I have positions in SNSXX, SWVXX and $0 in Cash/Sweep/Settlement position/fund/account etc.1) On Day T0 I do a...
View ArticlePersonal Investments • Re: Any safe stock sector during correction???
In a serious correction/bear episode (that may or may not be imminent), I plan on trying to avoid any looking at market news*, and remember that I have approximately 18 months' emergency fund just...
View ArticlePersonal Investments • Re: Holding Several Rather Than Fewer Stock Funds
Might want to READ about what this forum is about. You can own a Ford, but you don't go on the Chevy forum and then ask them what they think, it serves no purpose.Copy RickBoglehead. I got the OP...
View ArticlePersonal Investments • Re: Any dafe stock sector during correction???
I hold some USMV to reduce volatility. It held up fairly well in 2018 and 2022, but made little difference in 2020 and underperformed the S&P significantly during that time. Utilities are...
View ArticlePersonal Investments • Re: Have you lost money investing in the S&P500?...
I am largely compensated in stock. I think of it as a discount: a lower effective tax rate (max. 20% for LTCG vs 37% on income, excluding state taxes)Statistics: Posted by t0s — Tue Mar 11, 2025 12:59...
View ArticlePersonal Investments • Diversifying high-alpha stocks during a recession?
Hi folks,I get compensated in stock from a big 5 tech company (FAANG) with a high alpha. Historically, I sell every vest and immediately diversify into the S&P.However, the recent downturns have...
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Personal Investments • Re: Are Target Date Funds incongruent with Bucket...
I would go with two holdings.Nice Please limit comments to the notion of combining TDF and Bucket Strategy, not the merits of either on their own.You should do what works for you. There are worse...
View ArticlePersonal Investments • Re: RMD and [Roth conversion]
I understood the original question to be how RMDs would be calculated. My answer is that if you are withdrawing from your own IRA (rather than an Inherited IRA), the RMDs start at about 4% of the...
View ArticlePersonal Investments • Can you Tax Loss Harvest crypto ETF’s or actual coins?
What can you Tax Loss Harvest with Bitcoin and Ethereum? Can you TLH them with each other? There are several ETF’s that track only Bitcoin and Ethereum. Then there are some ETFs that are futures...
View ArticlePersonal Investments • Re: Can you Tax Loss Harvest crypto ETF’s or actual...
What can you Tax Loss Harvest with Bitcoin and Ethereum? Can you TLH them with each other? There are several ETF’s that track only Bitcoin and Ethereum. Then there are some ETFs that are futures...
View ArticlePersonal Investments • Re: MF to ETF conversion - am I missing anything?
1. From a practical standpoint, would it be accurate to say that VG ETFs are equally as good as the corresponding VG mutual funds?Yes, as a practical matter. The ETF and mutual funds are different...
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Personal Investments • Re: Why not VIGAX (Growth) vs VFIAX (S&P500)
Recency bias screams that growth is the obvious way to go. But, is that really a good idea? ... Value is the threadbare, poor sibling of growth. But history strongly suggests its day will come again....
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