Personal Investments • Re: Retiring Advice Please
If you want to go beyond the "back of the envelope" answer, you might want to try a financial calculator. There are good free ones at New Retirement and Pralana Bronze. Good luck.Statistics: Posted by...
View ArticlePersonal Investments • Re: Any reason to hold a bond fund instead of iShares...
With a ladder of Target Date Bond ETFs (or individual bonds), wouldn't the loss of principal be minimized if I sell them? In other words, I would sell the bonds with the nearest maturity, resulting in...
View ArticlePersonal Investments • Re: Portfolio Help please
4. Social Security – He will wait until age 70 (2028). We are unclear if she should start at age 67 (also 2028) or wait until age 70 (2031). He is a slightly higher earner so the survivor benefit...
View ArticlePersonal Investments • Re: Asset Allocation help
My bond fund in my 401k is going to close soon (Fixed Income Index Fund, (Barclays Capital U.S. Aggregate Bond, total bond market) ER 0.18%)In its place, are the following I can choose from.U.S...
View ArticleClik here to view.
Personal Investments • Re: Help Me Understand VPW Accumulation Worksheet
Skipper, thank you for answering my second question, very helpful.I hope somebody else can take a crack at answering my first question as if I was five years old. Unfortunately, Skipper's answer...
View ArticlePersonal Investments • Re: Need to choose a new brokerage firm: Vanguard vs....
Based on the rationale you gave for switching, I think only the taxable brokerage would the the one to transfer, and I’d transfer that to vanguard to use their index mutual funds which don’t...
View ArticlePersonal Investments • Re: Heavy Value Tilt Away from Mag 7 stocks
A strategy I have used is instead of investing in VOO, I put 50% in Vanguard Growth Index and 50% in Vanguard Value. It helps me sleep at night and keeps me invested. VOO is essentially a Growth Index...
View ArticlePersonal Investments • Re: CFO of my marriage, trying to figure out...
Early on, it's all about your savings rate and not a whole lot about which mutual fund. Your 3 fund portfolio would be fine, now just find a way to save as much as possible. There is no magic bullet,...
View ArticleClik here to view.
Personal Investments • Re: Rollover Roth 401K to Roth IRA while currently...
I see. My own assumption is that Roth 401k contributions are always tracked separately from IRRs because different rules apply to the two kinds of money. However, I don't know that is always the case....
View ArticlePersonal Investments • Re: converting VTSAX to VTI inside of a traditional...
Assuming you actually know the short term expected values, then you would believe that the loss aversion is rational if the expected values are nonnegative, which I assume they are.But you don't have...
View ArticlePersonal Investments • Re: In-Kind Transfers of Vanguard Mutual Funds at Schwab
Very good to hear. What if I have my tIRA and Roth IRA set to reinvest dividends and capital gains back into Vanguard Balanced Index and Wellington? Do the reinvestments count as purchases that have...
View ArticlePersonal Investments • Re: Why there is no mutual fund tracking international...
HiI would like to invest in a mutual fund tracking any international growth index, but I found none. The only ETF doing this is EFG, which tracks MSCI EAFE Growth Index. However, like other MSCI EAFE...
View ArticlePersonal Investments • Re: State specific muni Bonds & money market (NY)
BTW, you did not mention where you work. If you work in NYC and live in NJ, there are other considerations. I am not expert but you may still benefit from NY funds.I work in NJ.Statistics: Posted by...
View ArticleClik here to view.
Personal Investments • Re: Are In-State Tax Exempt Money Markets worth it?
I fully fall on my sword. I thought I understood PA taxation, but this is news to me. I’m surprised Pittsburgh hasn’t gone this route (so far)I am slowly learning PA local tax laws, they are much more...
View ArticlePersonal Investments • Re: First Post, Am I too late?
As business owners, have you started a 401k or other plan? As they say, put your own oxygen mask on first. You should look into this before you begin funding 529 plans.To be honest, I had no idea we...
View ArticlePersonal Investments • Re: Portfolio Review request: I am a fumbling beginner
a.Option 1: stay at TRP but change to low expense TRP funds. i.Suggestions1.Total Equity Market Index POMIX S&P Total Market Index 0.20%2.International Equity Index PIEQX MSCI EAFE Index 0.29%3.QM...
View ArticlePersonal Investments • Re: Help with difference between Tbills, SGOV, USFR,...
Which of these is still good in Feb/Mar or 2024 if you are looking for parking cash that can be back in your checking account in 3-5 days?Also, which one is better for no state tax stand...
View ArticlePersonal Investments • Re: Cap Gains tax rates are confusing!
What is the source of the capital gains because if you have significant taxable stock holdings then you probably have qualified dividends that use the same space as long term gains.Statistics: Posted...
View ArticlePersonal Investments • Re: HSA question
Unfortunately any year that she had this account open including the year there are rollover funds you need to completely undo your HSA contributions.Agreed. If your spouse was covered by an FSA then...
View ArticlePersonal Investments • Re: Need to choose a new brokerage firm: Vanguard vs....
Three weeks ago I switched from Vanguard to Fidelity after being with Vanguard for over 20 years. What prompted me was not any dissatisfaction with Vanguard's service, website or investment options....
View Article