Personal Investments • Re: Help with Parents Portfolio
While figuring out Roth conversions, remember that the tax-deferred funds may come in handy, to cover expenses like nursing home care, that could be tax-deductible.I have a lot more research to do in...
View ArticlePersonal Investments • Re: The Surprising Return of Interest
Wasn't a surprise for me. Since I'm almost 100% t-bills in taxable, I sent in estimated tax payments through the year.What continues to surprise and bewilder me, however, is how the banks are getting...
View ArticlePersonal Investments • Re: the psychological value of "paycheck...
OP,1) Please add up all the numbers in your account.2) Please list down the amount provided by your pension and social security annually until 70 years old.3) Please list down the gap between your...
View ArticlePersonal Investments • Re: HSA Contributions
Thank you both! Not doing a HDHP this year. Appreciate the responses!Statistics: Posted by JemmaJune — Sat Feb 17, 2024 5:13 pm
View ArticlePersonal Investments • Re: 3 fund portfolio vs allocation fund
Do you have other tax deferred accounts like a 401k or IRA?Typically it is better to have your bonds in tax-deferred rather than taxable. How large is the rest of your portfolio?What is your marginal...
View ArticlePersonal Investments • Re: What to do with $700,000
I think there is a wiki entry on how to handle a windfall. The big takeaway is, don’t rush to do anything or make any hasty decisions. Especially for inheritances or other emotional situations. It’s...
View ArticlePersonal Investments • Re: Where do we go from here, part II [Minimize...
The goal is to maximize after-tax income rather than minimize taxes. It’s a multi-year approach. For example, one may do Roth conversions this year (raising taxable income) in order to reduce taxable...
View ArticlePersonal Investments • Re: [Why keep track of mega backdoor Roth contributions?]
Following. This is great Q&A. OP’s questions are well formed. Especially, with mega back door Roth/in plan service conversions every 2 weeks, do folks keep track of this?In-plan and in-service are...
View ArticlePersonal Investments • Re: Most Tax Efficient International Fund/ETF?
Why do you think international is less tax efficient? Is it because the foreign dividends do not fit the criteria for qualified dividend.Statistics: Posted by gavinsiu — Sun Feb 18, 2024 5:00 pm
View ArticlePersonal Investments • Re: Should turbotax create a 8606 form for a Rollover...
I’ve done a Roth conversion every year for the past 6 years. Always from a rollover IRA with no cost basis. TurboTax has always generated a 8606 form, Part II. My read of the form and instructions is...
View ArticlePersonal Investments • Re: Confused about Vanguard settlement fund.
Hi OP,If you: select "Exchange">"Where is the money coming from?">select your TIRA and enter the dollar amount>"Where is the money going to?">it will list all your available fund...
View ArticlePersonal Investments • Re: Relevance of the Three Fund Portfolio
You are paying more income taxes that you could easily avoid by doing something else.Statistics: Posted by livesoft — Mon Feb 19, 2024 5:20 pm
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Personal Investments • Re: Sanity Check After 6 Years Away
Seems to me the only question to ask is: what could possibly go wrong, and how would that be dealt with? There would be many options for handling most conceivable scenarios. So, enjoy the family and...
View ArticlePersonal Investments • Need Advice for Treasury Notes
I am planning to deposit into a 5-year Treasury Note. Can you please help me understand how to pick from the secondary market would be a better one?sample image If I do not want the interest payments...
View ArticlePersonal Investments • Re: Need advice about real estate investment
RE has been very good to me (at a cost).~30% of my wealth building. And many different forms of RE. For me. I prefer multi tenant commercial (not residential). And bare land (view acreages). Each...
View ArticlePersonal Investments • Re: Is it Too Late to Invest in VTI?
FWIW, I put another $14k in VTI todaySmart man!I retired last month and rolled over the remainder of my 403b account to Vanguard. (I did an in service distribution of $330,000 in 2022.) This time it...
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Personal Investments • Re: Daughters employer 401K vendor is changing
Thanks guys, for all the great, informative replies. This is really a great forum!And many of the responses have convinced me that I probably assumed the worst prematurely.Empower may be much better...
View ArticlePersonal Investments • Re: Is anyone buying bonds right now?
These are what I'll be buying on my next pay day. I invest all 86 Vanguard funds equally, but these have been losing value more than others and are below my floor target. They are mostly bonds and...
View ArticlePersonal Investments • Re: Need permission to stop saving and coast, please:)
It may be premature to stop saving. But your income/expense numbers are not firmed up so it’s hard to say. Does the $140k spend include everything - living expenses, healthcare, income taxes including...
View ArticlePersonal Investments • Re: What return should I target to plan for retirement
I am trying to figure out what x i need to meet my retirement expenses.If you're currently at 14x anticipated annual retirement expenses, then a 3% real rate of return for the next 12 years assuming...
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