Personal Investments • Re: Moving Roth IRA to Schwab
In the past, Schwab has offered transfer bonus or matched transfer bonus from other brokerage firms (i.e. ETrade) if arranged before the transfer occurs (see the mega thread on transfer bonuses).With...
View ArticlePersonal Investments • Frequent Trading Policy - Basic Questions
In the same account, can I sell VLGSX and buy VGLT in less than 30 days, or would that violate the Frequent Trading Policy?Also, is the 30-day Frequent Trading Policy specific to each account,...
View ArticlePersonal Investments • Re: Frequent Trading Policy - Basic Questions
Vanguard's Frequent Trading explanation is HERE. There may be a more detailed explanation elsewhere on the site (I didn't look too hard).I think if the "system" can easily detect something that's...
View ArticlePersonal Investments • Re: Roth conversion: What to convert?
The idea is to get growth investments out of an IRA and into the Roth to minimize future taxes.I second that. The traditional IRA is tax deferred until your taxable RMDs start in retirement. When that...
View ArticlePersonal Investments • Mutual fund dividend reinvestment: what day's price is...
Say you're holding VTWAX well before the ex-dividend date (which was 12/15/23 for the most recent distribution) and have selected dividend reinvestment. Vanguard refers to 12/15 as both the...
View ArticlePersonal Investments • Re: fixing the sin of holding bonds in a taxable account
As an interesting variation, suppose I bought Bond Fund B, and am considering switching to Bond Fund A. If we both switch, then our combined fund holdings don't change but our combined cash holdings...
View ArticlePersonal Investments • Re: Portfolio Advice: I left my broker/dealer. Looking...
If you have not done so already you should probably immediately turn off automatic dividend reinvestment on all non-Fidelity funds. You don't need to create additional purchase lots of funds you may...
View ArticlePersonal Investments • 200K savings to be invested in S & P 500, all at...
I've had this uncertainty for about a month now, I just started investing in index funds and finished reading a few good books on the subject, including "The Bogle Heads Guide to Investing". I'm not...
View ArticlePersonal Investments • Re: 200K savings to be invested in S & P 500, all...
100k lump sum then 10 - 20k per month if you can’t make your mind up. Personally I would lump sum the entire amount.Statistics: Posted by minimalistmarc — Wed Dec 20, 2023 1:43 am
View ArticlePersonal Investments • Re: Retired Eight Weeks Ago, Just Sold Stocks For Rest...
I've been retired for seven years, living off my taxable account until I start Social Security at 70.22twain thanks for your post. Question if I may: i’m also living 100% off of my taxable account....
View ArticlePersonal Investments • Worth setting up new solo401k for mega back door Roth?
I have self employment income from 2023 and planning to continue my business in 2024.Have a solo 401k which does not allow for mega backdoor Roth.I am trying to decide if it is worth setting up a new...
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Personal Investments • Re: Portfolio Review: Please help me consolidate funds...
I didn't see it in the post but I assumed you have terminated that AUM on your account? I had the same type of stuff happen to me until I read up some stuff when the internet came first came around...
View ArticlePersonal Investments • Re: SGOV; alternatives?
Hi,I have often kept my non-stock portfolio in cash, since the rates were low in the last decade it worked fairly ok as a strategy. In 2023 Oct, I decided, I would earn a short term 4-5% return and...
View ArticlePersonal Investments • Military Portfolio Year 5 Update
Hello I wanted to provide another update. My progression is as follows May 2019 270k, October 2020 525k, November 2021 770k, and December 2023 964k.This is a 2 year update from my last post as 2022...
View ArticlePersonal Investments • Re: Recent Graduate Portfolio Advice
If I was 22 or 23 now, probably in the lowest tax bracket of my career, with 40-45 years until retirement, I would use the Roth 401k retirement option so those 401k contributions will grow tax free...
View ArticlePersonal Investments • Re: Military Portfolio Year 5 Update
Bravo! And thank you for going to work!Statistics: Posted by PoppyA — Thu Dec 21, 2023 1:30 am
View ArticlePersonal Investments • Tax Loss Harvesting Brokered CDs?
I have done this with stocks and mutual funds, and know it can be done for bonds, but can it be done for brokered cds that are sold at a loss? I have a CD ladder that I set up before interest rates...
View ArticlePersonal Investments • Re: Tax Loss Harvesting Brokered CDs?
I have done this with stocks and mutual funds, and know it can be done for bonds, but can it be done for brokered cds that are sold at a loss? I have a CD ladder that I set up before interest rates...
View ArticlePersonal Investments • Re: Implications of selling Target Date Fund and...
Hello - happy holidays!Within my 401k (roth & traditional), I would like to sell my target date fund VTIVX and split this into VTI, VXUS, and BND. ...Are these ETFs even available within your...
View ArticlePersonal Investments • Re: Income Portfolio Discussion
Since you're the only one to respond, I'll reveal the secrets.Door #1 - VTINX Vanguard Target Retirement IncomeDoor #2 - VWINX/VWIAX Vanguard Wellesley IncomeDoor #3 - VWELX/VWENX Vanguard Wellington...
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