Personal Investments • Re: Seeking advice on annuities
The fiduciary term is meaningless to the sale of insurance products. I know from personal experience. If a fiduciary sells you a poor insurance product then finra will claim they have no jurisdiction...
View ArticlePersonal Investments • New HSA options
I have an HSA this year for the first time and have finally been able to get into the website through Inspira's new stupid security walls.I get a $500 company contri for the year. I max out my 401k...
View ArticlePersonal Investments • Re: Asset location (401k, Roth, Taxable) guidance for...
RetiredjgHaving a high allocation to bonds in tIRA will reduce the possibility of large RMDs because it should slow down the growth of the large tIRA. For some people that is very attractive. And 10%...
View ArticlePersonal Investments • Re: USFR/WisdomTree ETFs Tax Information
I think they just released it: https://www.wisdomtree.com/investments/ ... 4252E4BC971. Download the excel file2. Look at the third tab, "Secondary Layout"3. Find USFR (row 61)4. See column 11: "% of...
View ArticlePersonal Investments • Re: Vanguard’s VO and/or VOO for new 401k
What is the attraction of VO?Higher CAGR over the last 22 years. See link: https://www.portfoliovisualizer.com/bac ... Dk5EV0ickwRegards,Same over the last 26 years, Portfolio Visualizer,...
View ArticlePersonal Investments • Retirement [considering Fidelity Wealth Advisors's...
As a retiree facing increasing federal taxes due to rising RMDs (starting at $40,000 annually and increasing), I'm considering two options: paying the taxes myself or utilizing Fidelity Wealth...
View ArticlePersonal Investments • Re: Edward Jones New Low
So the whole process took 6-7 months ?To be fair, there were periods where my sister wasn't being proactive and there's only so much I could do. Even so, with EJ there are bumps in the road because of...
View ArticlePersonal Investments • Re: Pro rata withdrawal strategy w/ multiple accounts
Why do you have 4 TIRAs & 2 Roth IRAs, would be my first question? Why not 1 IRA of each flavor?Consolidating IRAs is very easy, what is the advantage of your portfolio? To me, it seems...
View ArticlePersonal Investments • Re: Retirement
If the idea is to reduce taxable income, then tax loss harvesting can reduce your taxable income up to $3,000, but that's after applying losses to any realized gains first. Then any remaining losses...
View ArticlePersonal Investments • Re: Retirement [considering Fidelity Wealth Advisors's...
As a retiree facing increasing federal taxes due to rising RMDs (starting at $40,000 annually and increasing), I'm considering two options: paying the taxes myself or utilizing Fidelity Wealth...
View ArticlePersonal Investments • Re: Brokerage and vanguard etf question
Just basing this on reports of later brokerage statements. I know when I ditched my Acorn Fund and T Rowe Price fund I held in my VG brokerage, my tax statement showed up three weeks earlier the very...
View ArticlePersonal Investments • Re: Balanced Fund
Welcome to the forum. Balanced funds can be a great option in general, and especially if you’re trying to minimize mucking about with your portfolio. They are often best held in a tax-deferred account...
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Personal Investments • Re: Should my 21-year old nephew fire his financial...
My deepest thanks to you all for the advice. Especially Elric for the list. I just sent it to my sister and nephew. I also sent the Vanguard "Transfer Assets from another firm" link to my sister. She...
View ArticlePersonal Investments • Re: I need a new way to think of emergency funds,...
We ditched our EF in our 40s and never looked back.Statistics: Posted by jebmke — Tue Feb 13, 2024 4:14 pm
View ArticlePersonal Investments • Re: Saving for Private School and College -...
Suggest you post your complete portfolio, tax situation and annual expenses per the forum guidelines. You will get much better advice that way. Posters may not want to give good advice about such a...
View ArticlePersonal Investments • Re: Why do TIAA CREF index funds have such high fees?
Their fees depend in part on the share classes allowed in your plan, which is in part up to your employer. In effect, your employer is passing a portion of the contract cost to the employees. If you...
View ArticlePersonal Investments • Re: A 50/50 all-in-one fund that's not VTMFX??
Simple two fund portfolio to consider:50% Vanguard Total World Stock Market ETF (VT)50% Vanguard Intermediate Treasury Index ETF (VGIT)I use these two in different combinations for goals with...
View ArticlePersonal Investments • Re: should i pay off a car at 1.9% or invest in a cd...
Let's quantify this. Assume your effective fed+state marginal tax rate is 25% (substitute your actual numbers there). 5.5% yield on your CD post tax equates to 4.1%. So the differential yield over...
View ArticlePersonal Investments • Re: unloading GOOG and Amazon
If you donate to charity or have ever donated to charity, then you should consider donating some shares held long-term with significant capital gains to a Donor-Advised Fund or directly to the charity...
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Personal Investments • Re: How much did you pay Vanguard this year?
I think a better question is: How much is Vanguard paying you? Since taking my Vanguard ETFs to other brokerages, I've been paid tens of thousands of dollars in brokerage bonuses for holding the same...
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