Personal Investments • Re: Did I mess up my taxes? Where do you adjust VMFXX...
Where is the adjustment supposed to be made?https://www.taxact.com/support/21668/20 ... in-programThanks.But, how/where do I figure out how much was state exempt?I see no mention of it anywhere on the...
View ArticlePersonal Investments • Re: Converting traditional IRA to Roth IRA
most people consider:1. is the marginal tax they'll pay on the conversion less than the savings they got when the monies were contributed. In other words, if you're in a lower bracket now then when...
View ArticlePersonal Investments • Re: mixed bag of income coming.How does it effect my...
I have modeled my similar irregular/lumpy deferred comp future payments as “future income” by year and not included them in the “accounts available for retirement” - when I have modeled my future...
View ArticlePersonal Investments • Re: Should I move my inherited IRA to Vanguard?
Schwab also reimburses transfer fees. Even with a small transfer. I retired and transferred $3500 from my work account with eTrade. I called Schwab to see if they would and how to do it. It worked...
View ArticlePersonal Investments • Re: the psychological value of "paycheck...
tipsladder.com estimates I can replace the annual gaps from now til age 70 for a purchase price of about 600K--which conicidentally is the current value of my governmental 457(b) plan. Can I just...
View ArticlePersonal Investments • Re: Vanguard 2024 Dividend Schedule
I understand people wanting to know the exact dates, but I'm not sure what the release date for that info has been in the past.Statistics: Posted by tibbitts — Tue Feb 20, 2024 5:44 pm
View ArticlePersonal Investments • Re: Please Help This Resident Physician Setup their...
The issue is I am extremely limited in the funds that my institution has to offer for the 403(b).You need to only cover three broad markets: domestic equities, international equities, fixed income.If...
View ArticlePersonal Investments • Re: General retirement questions...need advice
You are looking really good for retirement. You know your expenses which is an important element. You could do a small bridge to SS making withdrawals from the 403b to cover expenses until you both...
View ArticlePersonal Investments • HSA consolidation
Spouse and I recently retired and pending Medicare enrollment forced us to give up our high deductible health plans (with HSA) after 15 years of tax advantage and contribution investment growth. For...
View ArticlePersonal Investments • 3 Fund Book
Just finished reading Taylor Latimore’s excellent “Guide to 3 fund portfolio”. I still had 2 questions after finishing:1. Is there a recommended AA among the funds by age?2. What are the pros and cons...
View ArticlePersonal Investments • Re: Effectiveness of swapping between muni &...
While I also thought about this, I decided that my mmkt holdings are my short term spending/emergency funds, and prefer to keep in US Tsy bill mmkt funds. I do keep much of my taxable portfolio in...
View ArticlePersonal Investments • Re: HSA consolidation
A blog post about HSA consolidation on fidelity website states: “Possible disadvantages: If any of your HSA savings are invested, selling your holdings won't affect federal taxes but may affect state...
View ArticlePersonal Investments • Re: 2024 Portfolio Review - 28yo w/ $200k
Appreciate everyone's advice so far. I changed my 401k contribution to all pre-tax and put the tax savings towards after-tax (mega backdoor roth).This will keep me just below the 22% tax bracket after...
View ArticlePersonal Investments • Re: Thoughts on Fidelity Separately Managed Accounts?
There are several discussions here on Bogleheads about SMA’s.We had one and would not suggest it. It is very hard to “unwind” if you need to. Your .4% fees will increase as your AUM...
View ArticlePersonal Investments • Re: Diversification means always having to say you’re...
Stock market growth has been very uneven. We have mag-7 this, mag-7 that. Look at mid-caps. They're still not quite at their all-time high, set in late-2021. Look at small-caps. They're still some 15%...
View ArticlePersonal Investments • Re: Cost Basis for Mutual Funds at Schwab
Just wanted to add one datapoint to confirm that YES, the cost basis can be fixed on already-purchased index funds from many years past, as long as you've never sold any.This actually makes sense to...
View ArticlePersonal Investments • Question about IRA fund
I have a small position of 25K in my rollover IRA in the VXUS vanguard international index fund which represents 5.62% of my total IRA holdings. i bought it in 2019 andto date it has only grown 30%. i...
View ArticlePersonal Investments • Re: Question about IRA fund
Exchange into VOO.Statistics: Posted by livesoft — Thu Feb 22, 2024 6:25 pm
View ArticlePersonal Investments • Re: VMFXX vs VUSXX
For 2023, around 80% of my dividend from VUSXX will be exempt from my state income tax. All of my dividend from VMFXX will be taxed by my state.In my state it would have been just under 50% state tax...
View ArticlePersonal Investments • Purchase one year of prior service for $36k to...
Hello! I will have a pension when I retire at age 55 and am able to purchase one year of prior service (for work before starting with my current employer). The cost to purchase this year is...
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