Personal Investments • Re: Money market funds in Fidelity for lower CA state...
Right now I'm using Vanguard Treasury Money Market; Not 100% state tax free but 80% is pretty good. No complaints. Most observers expect its state-exempt percentage to return to mid to high nineties...
View ArticlePersonal Investments • Re: Asset transfer fraud protection
does Fidelity NetBenefits 401(k) offer lockdown protection as well?Not really necessary as you need permission from the 401k trustee to do anything. There is no ACATS with a 401k.Statistics: Posted by...
View ArticlePersonal Investments • Re: All equity for Roth 401K for future contributions?
- If you don't hold bonds in the 401k, where are you going to hold them?: equitiesIf you don't hold bonds in the 401k, where are you going to hold your bond/fixed income allocation?- What are you...
View ArticlePersonal Investments • Re: Need help with Roth IRA
Just a terminology point, your core position at Fidelity is a cash position, usually a money market fund like SPAXX. Thanks.For bonds, I've been using TIPS or TIPS funds. If you won't be spending this...
View ArticlePersonal Investments • Re: SGOV vs SNSXX for short term/monthly cash flow
The accrued dividends are included in the daily NAV for SGOV. On the ex-div date, the NAV drops by the amount of the declared distribution. So no, the timing of buys or sells doesn't really matter...
View ArticlePersonal Investments • Re: Roth IRA from Parent
While gifting a Roth IRA while one is alive isn't possible, they could gift you shares from their own taxable account to your taxable account. See Vanguard link for...
View ArticlePersonal Investments • Cashing in EE bonds
Hello, folks,I have a small amount of EE savings bonds purchased in July 1997, in the amount of $1000 each. Right now they are earning 3.79% interest. I am wondering if it is worth waiting until 2027...
View ArticlePersonal Investments • Re: target maturity bond funds
Given where rates are i would like to invest in bonds but have always hated funds because of the fact that other investors bail and fund has to sell and realized losses....Why? What is the difference...
View ArticlePersonal Investments • Re: wanting to leave Raymond James but not sure how
call Schwab (have your RJ statements handy), they will tell you what needs to be done to move to Schwab, and they will probably do most/all of the work for you. I would not tell RJ until the paperwork...
View ArticlePersonal Investments • Re: US citizen planning to live abroad: taxes...
I'm unclear what you mean by registered in WA. You won't be a WA resident, right?The rules have changed but when I moved to Belgium from Wisconsin, the address on the account was changed to my Belgian...
View ArticlePersonal Investments • Re: Interest rates, bond funds and equity prices and...
I would not call this a rant. It is actually a fairly common set of concerns and questions.Both equities and bonds are expected to have positive returns. Bonds, generally speaking, have lower returns...
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Personal Investments • Re: Money market funds in Fidelity for lower CA state...
Now my FDLXX finally working.. Is it possible to change my 'Core' account (i.e. settlement) to FDLXX? How? Thanks!I just transferred all my funds from SPAXX to FDLXX, but I actually planned to get a...
View ArticlePersonal Investments • Re: Manipulate the value of gifted stocks in Vanguard?...
Wouldn’t the straightforward thing be to calculate the number of shares at the beginning and end of each year to determine what was stolen?From a theft point-of-view, the concern for your parents is...
View ArticlePersonal Investments • Re: Portfolio Review - Parents with a managed...
I know everyone is well meaning, but in situations like this - giving true advice on next steps is really helpful as people like me can use it!Congratulations on getting your parents on-board with...
View ArticlePersonal Investments • Re: Asset Allocation for Early Career Physician: What...
OP,If your saving rate is high enough and do not buy a big expensive house or have an expensive spouse, you can early retire in 10+ years or less. So, an AA of 60/40 that let you early retire at any...
View ArticlePersonal Investments • Re: Looking for help with what funds to hold in 401k
Many actively managed funds use an index as a benchmark.Can you post a link to the fact sheet for "Large cap fund 0.02 expense ratio. S&P 500 TR USD is the bench mark." It may not be a mutual...
View ArticlePersonal Investments • Re: Advice on new money and Bogleheads Portfolio Review
Thank You WeakOldGuy. I noticed under further review that I mistakenly stated $60k monthly living expenses, however drop the zero it’s actually $6k monthly.Statistics: Posted by Buelah278 — Fri Feb...
View ArticlePersonal Investments • Re: Question re: tracking after-tax contributions...
Note that if you haven't been tracking it yourself, you may be able to find the info with your exact contribution basis/any conversions/etc in your IRS tax transcripts. You can get online access to...
View ArticlePersonal Investments • Vanguard: what is the difference between...
I have been with Vanguard for ~20 years but am confused about money market account options (mostly have just been VTSAX & Relax but need some short-term reserves for upcoming maternity leave). Are...
View ArticlePersonal Investments • Re: Is it Too Late to Invest in VTI?
VTI is 12% made up of two stocks - Apple and MS. Just 2 stocks. It is 31% technology. That is not "the market".Actually, that is, by definition, the US stock market. Apple and Microsoft represent 12%...
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