Personal Investments • Re: Target Date Funds
There’s a good Jill on Money podcast episode about this. The show producer Mark makes a good point that TDFs are a great place to start, but tend to get too conservative too quickly, causing investors...
View ArticleClik here to view.
Personal Investments • Re: Cost Basis Method for selling RSUs
I didn't get any comment regarding the 4 step strategy, but really appreciated @retired@50 post to use the specified lots to implement the strategy. Thank you!Your 4 step process is a good plan. The...
View ArticlePersonal Investments • Re: Anyone rebalancing portfolio for 2024?
Happy New Year BH readers. I was kind of shocked that there wasn't as much market turmoil this past Friday. Even though the indicies were all in the red the last day of trading in 2023 results ytd...
View ArticlePersonal Investments • Re: Purchasing MYGAs (multi year guaranteed annuities)...
Is a B rated company worthy to invest with? Just asking......I haven’t seen a company rated as low as “B” by AM Best. If I saw such a company, I would not buy a MYGA from them. If the company was...
View ArticlePersonal Investments • Holding VGT in Roth IRA
Hello everyone I have a quick question. I hold a target retirement fund in my Roth IRA as well as Vanguard Information Tech fund. I wanted more exposure to a larger variety of tech companies that the...
View ArticlePersonal Investments • Re: Does Anyone Buy One Month Treasuries?
To reiterate, with Fidelity's new "Cancel Auto Roll" button, I think you can cancel an auto roll at any time, as far in advance as you like. I would be able to cancel my March 5 renewal today if I...
View ArticlePersonal Investments • Re: What are the Bogle thoughts on how much to...
$10k per kid is pretty generous for State deduction. In Ohio we are limited to $4k. At any rate, my wife and I contribute up to that max per kid ($8k total) and will likely not deviate from that as...
View ArticlePersonal Investments • Re: Retirement portfolio allocation discussion
VGSAX is also 80/20, but because of the tax impact you are likely better off doing it yourself. see my post above as a starting "recipe" to get there on your own. You can always do only part of the...
View ArticlePersonal Investments • Re: Options if we earn too much for Roth accounts?
[trimmed quotes]My thinking is the OP would start drawing down the taxable account in 5 years when they semi-retire. So there would be 5 years instead of decades of growth.Say the OP does $7k backdoor...
View ArticlePersonal Investments • Re: Best bond options with Vanguard
I have all my accounts with vanguard except for my work 457. The work 457 has bad bond options so I've been using my other accounts to hit my asset allocation goals.It would be unusual for a plan to...
View ArticlePersonal Investments • Re: Financial Life Coach?
I am starting to do my homework on the web but figured this place could be a great source of information. I am 66, took early requirement 6 years ago and find myself low on funds. My wife is 60 an her...
View ArticlePersonal Investments • Re: Wife has Roth IRA and 529 with LPL financial advisor
Sanity check: Stop doing any business with this person. While we cannot predict the future, it is very unlikely that you will not pay more fees going with this sales rep and their company. Do you...
View ArticlePersonal Investments • Re: i-bonds - how much is too much?
You (and others) mentioned using the I Bonds for college expenses, but no one explicitly mentioned that they could be used tax-free for qualifying educational expenses, provided you meet the income...
View ArticlePersonal Investments • Re: Did I make a huge mistake ?
So I’m working 65 yrs oldWife retired 4 yrs ago , on SS and state pension , no earned incomeI made a contribution a week ago to both our Roth’s for 2023 and 202415,500 to hers totalNow I heard on the...
View ArticlePersonal Investments • Re: Holding VGT in Roth IRA
The Roth IRA is the perfect place to hold VGT if you are going to buy it!Statistics: Posted by celia — Sat Feb 03, 2024 2:38 pm
View ArticlePersonal Investments • Re: Help With Explaining These 2 Funds
The person who asked the question to me believes in dividends. I could not explain if or why VDE was better.Statistics: Posted by LaramieWind — Sat Feb 03, 2024 2:40 pm
View ArticlePersonal Investments • Re: How are we doing and opinions on asset allocation...
It's great to see that you are debt free, and have had low living expenses (~ $56k).Do your annual expense numbers include taxes?I agree that you are "definitely going to have to do some more research...
View ArticlePersonal Investments • Re: Vanguard Transaction Method
For some other countries.https://www.google.com/url?sa=t&source= ... cnOr42HUvXExcept for Japan, seem similar.As I suspected. Without some sort of system for tracking credit worthiness, you are...
View ArticlePersonal Investments • Re: Elderly parents were sold a variable annuity
FIRST: Is there any chance that they did this deliberately as some way to preserve inheritance, rather than for their own benefit, e.g., long term care? Even if that's the case, this isn't the best...
View ArticleClik here to view.
Personal Investments • Re: I gained 21% this year so far in my IRA. What...
We're all glad you're here! That said; you joined three years ago; do you not understand what Bogleheads is and what this forum represents? If it were me I'd take the money and run and find a better...
View Article