Personal Investments • Re: Do index investors "Buy the Dip"?
If you believe that DCA is a good strategy, and that marketing timing is a poor strategy, you can't logically like the idea of buying the dips with idle standby cash.I mentioned in another comment, I...
View ArticlePersonal Investments • Re: Skip emerging markets due to tax inefficiencies?
I only hold VTIAX, would drop that if it wasn’t in a taxable account. In the past I had an emerging markets index fund, as well as international broken down to a European fund, and Pacific Rim fund. I...
View ArticlePersonal Investments • Re: Is paying off a 2.99% mortgage always a bad idea?
Nope. I paid off a 2.65% mortgage. Zero regrets. Guess I'm weird. Shifted my AA from 70/30 to 90/10 and zeroed out the debt and the payment. Mortgage is a big negative bond. I've since moved, and the...
View ArticlePersonal Investments • Re: Interest on Treasury Note
3. I see an interest payment made on 01/31/2024 for $112.5. Is the real interest $5.5 (12 days since I held the bold) and the $107 is 'refunded' as part of interest?Since you purchased on the...
View ArticlePersonal Investments • Re: Funding Priorities: 401k vs Roth IRA
2023 MAGI: $185,000Bill's Governmental (traditional) 457(b) Contribution: $22,500 (maxed)Bill's 401(a) Contribution: $4,000 (mandatory contributions)Jill's 401(k) Contributions: $14,000Baby's 529...
View ArticlePersonal Investments • Re: Follow up questions on Asset Allocation
Thanks again to those that responded to my post. The suggestions I received led me to some really good articles on Bogleheads that helped me make a decision. We're staying the course with the funds in...
View ArticlePersonal Investments • Re: Solo 401k question
You should ask E*Trade to make sure you're filling things out correctly as all the company have their own processes. I can tell you that E*Trade directed me to me fill out two virtually identical...
View ArticlePersonal Investments • Re: SPIA vs LTC Insurance...What am I missing?
Have you priced the LTC? Is the payout anywhere near the cost of Skilled Nursing Care in your area? Are there facilities you would want to be placed in, with reasonable waiting lists? You haven't...
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Personal Investments • Re: Asset-location aware Robo advisor. Any better...
Welcome to the forum. What would the bogleheads community recommend for my scenario? Anybody in support of Option A)?Option A) Use asset-location aware robo-advisor (e.g. betterment) Any other...
View ArticlePersonal Investments • Re: New member, need help on portfolio
Thanks for your reply,I am not sure I understand why there would be a loss from the taxable account if it was sold other than the funds have been in the account for a long time and I have had to...
View ArticlePersonal Investments • Re: How to invest cash at Schwab?
Be aware that the Schwab Money Market fund expense ratio is 0.34%.That's already included in the reported yield.Full list is here: https://www.schwab.com/money-market-fundsNote the "Ultra" offerings...
View ArticlePersonal Investments • Re: VBTLX (Total Bond Market Index Fund )
It’s always a good idea to understand what a bond is before buying. Understanding how it will react under interest rate changes is a good idea. Understand how a group of them will react in a fund is a...
View ArticlePersonal Investments • Re: 401k Allocation Suggestions
Thanks for taking the time to reply. Updated with expense ratios. My desired allocation is 100% stocks. I am contributing ROTH and probably will be able to continue to do so for the near future as I’m...
View ArticlePersonal Investments • Re: Retired: Combine Rollover IRA and Traditional IRA...
Understand that when you do backdoor roth it's the amount of pretax in the iras at the end of the year in which you convert that matters so to do a 2023/2024 backdoor the pretax money has to leave the...
View ArticlePersonal Investments • Cash balance plan vs 199A deduction
I’m a partner in a physician group that is starting a cash balance plan (CBP). Age: 40Married filing jointly: spouse taxable income $75k on W2Partnership income: $400kPartnership 401k: $69k199A pass...
View ArticlePersonal Investments • M1 Finance and OTC securities - beware!
I recently transferred my Roth from Schwab to M1 and ran into a transfer issue with OTC securities. I'm simplifying/optimizing my investments and M1 is the perfect solution for my Roth since I'm still...
View ArticlePersonal Investments • Re: Do Treasuries (secondary) have different prices on...
Hi everyone - want to make sure I'm understanding something correctly.On Fidelity, I'm seeing that the 8/1 zero coupon treasuries, CUSIP 912797JU2, ask yield is 5.236%.On ML Edge, I see the same CUSIP...
View ArticlePersonal Investments • Re: Lots of Solo 401k questions
1. I have not yet opened/setup a solo 401k but am planning to do it here soon. When I do, would I still be able to contribute to it for 2023? I did earn income for side gigs A, B, and C for 2023. Or...
View ArticlePersonal Investments • Re: What's your allocation for International Stocks?
The past is the past. Your int'l allocation should not be based on projected performance, but on mitigation of risks, some of which may never materialize. An example of such an event would be the USD...
View ArticlePersonal Investments • Re: Quick backdoor roth question
Hi quick follow-up; if/when rolling SEP and TIRA into a Solo 401k, can I transfer assets (ETFs) or do I need to liquidate and transfer cash? Thank you.Statistics: Posted by newbie003 — Tue Feb 06,...
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