Personal Investments • Re: Tax inefficiency of holding International Index...
I have just moved some funds into IEFA (iShares foreign blend ETF) in a taxable account. [...]Tax-efficiency of international depends on your personal tax brackets. If you are in a low-tax bracket...
View ArticlePersonal Investments • Re: Farmland LP
I am not sure what part of the country you are in, but in states where ag production is a main economic driver, the opportunity to purchase land is always there. You would be surprised what cash...
View ArticleClik here to view.
Personal Investments • New Boglehead firing my advisor & portfolio review
New Boglehead and 1st post We followed Dave Ramsey's advice to pay off all of our debt and build an emergency fund. Due to a lot of critiques, I wasn't confident in his investment advice. I recently...
View ArticlePersonal Investments • Re: Paid Help for Wife in the event of my death?
There are a couple long past threads on this topic that perhaps you/your spouse should read.Can you please post the specific links you're referring to?Statistics: Posted by Zephavest — Fri Feb 09,...
View ArticlePersonal Investments • Re: Why BlackRock not used as much?
Sometimes people use VTI/VTSAX as a shorthand for any total market index fund with similarly low fees. I would have no problem owning any of ITOT, SCHB, SPTM, FSKAX, FZROX, etc, or equivalent...
View ArticlePersonal Investments • Reallocating Assets -- affect prices?
Let's say I'm helping to reallocate some assets. If there is $250k in each of these: DISV, DFLVX, DISV, DFSVX, DFIVX, and I want to sell them and convert to VTSAX or SWTSX, is there any reason to not...
View ArticlePersonal Investments • Re: Time to Build my Own Annuity with 20 year Bonds??
OP,What is your annual expense?What is your portfolio size?KlangFoolStatistics: Posted by KlangFool — Sat Feb 10, 2024 3:41 pm
View ArticlePersonal Investments • Re: Anyone Moving from 100% stocks?
This sounds like a SWAN (sleep well at night) question.If you're considering market timing at 100% stocks, then it might be prudent to adjust your AA to a point where you don't consider market timing....
View ArticleClik here to view.
Personal Investments • Re: New to Boglehead
Should I keep what I got or do the 3 fund portfolio? I think I would like to do the 3 fund portfolio and invest in indices as has been suggested throughout this website.I think you are right to favor...
View ArticlePersonal Investments • Re: Why didn't I receive the open market price?
Thank you all for your input. The price at 9:30:52 AM is unknown to me but I estimate it was ~$353.63. This estimate assumes a linear increase during the 52 seconds from 9:30 to 9:30:52AM (I only know...
View ArticleClik here to view.
Personal Investments • Re: iShares Short-Term National Muni Bond ETF
Would selling SUB (iShares Short-Term National Muni Bond ETF) at a small loss (~2% of basis), and then using the proceeds to purchase VTES (Vanguard Short-Term Tax-Exempt Bond ETF) run afoul of the...
View ArticlePersonal Investments • Re: Vanguard’s confusing 1099-DIVs
Vanguard has added lots of details to the 1099 so it is all in one place. For instance they now show % US gov income and % by state for munis. In the past one had to go look that up elsewhere.Well, I...
View ArticlePersonal Investments • How to fund SEP contribution
Our accountant has completed our 2023 tax return and determined that we can contribute about $20K to my wife's SEP. Should I do that and, if so, what money should I use to make that contribution? I...
View ArticlePersonal Investments • Re: Need advice about my portfolio setup
60% Domestic FSKAX20% International FTIHX20% Bonds FXNAXI'd pick the simpler 3-Fund portfolio quoted above (2nd option).“When there are multiple solutions to a problem, choose the simplest one.” --...
View ArticlePersonal Investments • Re: Cancelled VPAS. Should I stay the course for self...
The OP mentioned "non taxable", so the above will only apply to selling for a loss in a taxable account.The first post said "1.1M under advisement in taxable account. It's in the standard vanilla...
View ArticlePersonal Investments • Re: Paralyzed by Investing Fears with $2M+ Post-Divorce
Thank you everyone for responding. I was actually hoping that by posting and receiving thoughtful replies, this would get my gears turning and motivate me to make a decision. I just placed buy orders...
View ArticlePersonal Investments • Half-baked fixed income plan incl TIAA traditional
Recently retired and trying to figure out how to adjust our (DW and me) portfolio accordingly. I am still trying to figure out decumulation, and would appreciate feedback (brainstorming?) on my work...
View ArticleClik here to view.
Personal Investments • Re: VBTLX for shorter term needs [Vanguard Total Bond...
There are people smarter than bonds and bond funds than me so take this with a grain of salt.I own bond funds to reduce overall volatility of my stock/bond portfolio. I do not own bond funds expecting...
View ArticlePersonal Investments • Re: WSJ Article/what to do with inherited bonds in...
Have no debt other than a 2.75% 30 year mortgage that is fully tax-deductible. Are you single? The only way this statement makes sense is if you are single, and even then the mortgage interest is NOT,...
View ArticlePersonal Investments • Re: Did we miss anything?? Looking to retire next year!
The numbers look fine, but why are you referring to 7/3/2024 as "next year" and "next summer"? That is this year and this summer!I didn't take the general advice to build up our cash reserves before...
View Article