Personal Investments • Re: Moving from Prime Money Market to Municipal Money...
I have some short-term funds I need to park until next year. This year my income will be much higher than normal due to gains from the sale of privately-held company stock. Income will drop...
View ArticlePersonal Investments • Re: Help me move brokerage from Vanguard to Fidelity
Just over 2k in unrealized gains. Can’t find any active transfer bonuses at fidelity but this move would qualify for private client group with fidelity, so perhaps I can call and ask for a bonus.For...
View ArticlePersonal Investments • Re: Revector savings or stay the course?
The question really boils down "if you have saved more than you need, and if you continue to save would you lock it away in your primary 401k where it is illiquid (i,e., penalties if withdrawn early)...
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Personal Investments • Re: Withdraw from bond fund or savings account?
I could just sell both today then right? The last dividend buy was more than 30 days ago and the next one is tomorrow (I think I figured it out as the last business day of the month). So that would...
View ArticlePersonal Investments • Re: Fixed Income in Taxable Account
60 yo looking for some ideas for the fixed income allocation in my taxable account. Current portfolio is $7m+, with 75/25 split between taxable and tax deferred (firm was recently sold and I was a...
View ArticlePersonal Investments • Re: HSA Investment Question
Hello all, new to these forums and would like some input on an HSA investment strategy. I'm 32M and just started maxing out my HSA last year. Current balance is ~$4K and I intend to max HSA...
View ArticlePersonal Investments • Re: Vanguard 2024 Dividend Schedule
None of those links contain the 2024 schedule. But thanks anyway.That’s because it’s not available yet. Check those pages to see if it’s become available.Statistics: Posted by rkhusky — Tue Jan 30,...
View ArticlePersonal Investments • Re: I need reassurance that I'm doing the right thing.
A few things. All of the major brokerages have a nearly free standard and pour 500 index one as well as a total stock market fund. So whether you choose Vanguard or Fidelity or whatever they will all...
View ArticlePersonal Investments • Re: Quick backdoor roth question
Are you still actively contributing to the SEP-IRA as a self-employed retirement plan?Yes.Any 12/31 pretax SEP-IRA balance will also be factored into the pro rata calculation for any backdoor Roth...
View ArticlePersonal Investments • Vanguard PAS vs. Schwab Intelligent Portfolio vs...
Would anyone have some direct experience with the human advisor portion of either of these services? I can compare the cost, features etc... But I would like to have a financial advisor to speak with...
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Personal Investments • Re: Skip emerging markets due to tax inefficiencies?
I believe in "own the market" so both Developed and Emerging are part of my portfolio (although admittedly in slightly smaller quantities than their market cap, I'm a hypocrite )I recently moved VWO...
View ArticlePersonal Investments • Re: Portfolio review, please
… I will look at the cost of holding the S/T gains longer. I was so anxious to get away from the 1% AUM fee, that I didn't consider that. That's why I decided to reach out on this forum--to find out...
View ArticlePersonal Investments • Re: Vanguard PAS vs. Schwab Intelligent Portfolio vs...
Can they offer advice on 403(b) funds that are not tied up with Fidelity until retirement?Will they be able to perform Roth conversion analysis?Pension single life vs. survivor / private life...
View ArticlePersonal Investments • Re: Roth conversions while still employed?
When do you plan to retire? How many years after retirement will you have until you collect SS and/or pensions. Do you expect future raises to bring you much higher than 24% bracket?Statistics: Posted...
View ArticlePersonal Investments • Excess Roth IRA Contributions ?
I mistakenly contributed to my Roth IRA in the two years after I retired: 2022 and 2023. My Vanguard advisor helped me complete forms to withdraw both contributions. How can I fix this with the IRS ?...
View ArticlePersonal Investments • Re: What Role/Purpose Do Bonds Play in Your Portfolio
When I run a monte carlo financial simulation, I have a significantly lower likelihood of running out of money in retirement when I include bonds on my allocation.Statistics: Posted by Mando19 — Wed...
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Personal Investments • Re: Help me navigate huge LTCG tax
The last time I looked at my portfolio was in Nov 2023, today the single stock is creeping up to almost $3.8M. I like the idea of selling 85-95% in a year(this year). I also like to avoid paying CA...
View ArticlePersonal Investments • Re: Did I buy at the wrong time?!
Now, I don't know if they give you good price on the reinvestment shares.You do see that the payable date is a few days after the shares go ex-dividend. And probably the reinvesting is a day after...
View ArticlePersonal Investments • Re: question about brokerage account (tax efficient...
Can someone give me some links on what kind of investments a mid 50 year old should make in a brokerage account? I know that I should reduce the risk level of my portfolio, but I get the impression...
View ArticlePersonal Investments • Re: TIAA Traditional Timing Question
Maybe I'm recalling wrong but I believe last Spring ('23), when rates were doing nothing but rising, Traditional crediting rates dropped for a couple of months by about .6%. Then went back up even...
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