Personal Investments • Re: Mega Backdoor Roth at Fidelity - general questions...
I decided to start doing Mega Backdoor Roth this year (I’m already maxing employee portion of 401k, HSA and Backdoor Roth IRA). I called Fidelity and confirmed that my 401k plan allows after-tax...
View ArticlePersonal Investments • Re: Balance funds - what are the good ones?
The Charles Joseph Moderate Risk US Treasury-Total Stock Market Balanced Index Fund.I hold it in both my Traditional IRA and Roth IRA.40% FZROX (Fidelity ZERO Total Market Index Fund)60% FUAMX...
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Personal Investments • Re: 529 - 2 years until High School Graduation - How...
Wow, reality check for me in the same situation. Thanks for posting OP.I just switched both kids allocations to be less aggressive. Elder is a sophomore.Reality check: why was the kids 529 more...
View ArticlePersonal Investments • Re: TIAA Traditional and Bond Fund Questions
student, I had read that blog before and it's helpful. It's why I will now consider Vanguard Total Bond. I actually don't have access to the liquid version of TIAA Traditional in my 403B, just RC and...
View ArticlePersonal Investments • Re: Deep Dive: Poor Tax Efficiency of Vanguard...
I just learned like 100 things from reading that post - well done and thank you!Statistics: Posted by learning30 — Thu Feb 29, 2024 8:30 pm
View ArticlePersonal Investments • Re: REIT fund for buy and hold index investor?
Are you sure you need a REIT? Assuming you own your own home, you probably already have a decent chunk of money in RE plus RE holdings that are already included via the stock holdings you...
View ArticlePersonal Investments • Re: SS Delay Bridge - But how?
There are some differences between individual TIPS and the iShare iBonds ETFs. Here's a few:1. The ETFs mature in October of a particular year whereas there are multiple issuances of TIPS that mature...
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Personal Investments • Re: Portfolio advice
In my opinion, these choices make the easiest portfolio possible. I would not worry about it. Every few years, just figure out if you are over, under or near your target and adjust as needed. For...
View ArticlePersonal Investments • Re: Selling Stocks, including enough for taxation...
Say I want to withdraw $200000 from a stock account. I've owned the stock for more than a year and the cost basis is $100000. So in other words, I've had a %100 return on my investment. Assuming my...
View ArticlePersonal Investments • Re: TIAA Traditional GSRA rate
Can you please post a link to the new GSRA rates? Thank you.Statistics: Posted by anonenigma — Fri Mar 01, 2024 8:59 pm
View ArticlePersonal Investments • Re: Selling underperforming funds for tax loss harvesting
If it were me, I would sell them all to lock in a capital gains tax loss. Per the IRS, the loss never expires. So you can either save the loss to offset future capital gains, or you can apply $3000 of...
View ArticlePersonal Investments • Re: Vanguard Wellesley
I would hope for 4-5% average return5% real from Wellesley would be somewhat extraordinarily high, not that it hasn't happened in the past. 5% nominal doesn't tell you much so it might be excellent or...
View ArticlePersonal Investments • Re: To buy BND or not now ??
Would you buy BND NOW in Tax deferred ?We are mostly in CDs with 4 to 5% return with quite some still left in money market in SPAXX (4.99% yield). We are retired, 67 DW is 62, AA is 70/30ThanksTotally...
View ArticlePersonal Investments • Re: Purchasing MYGAs (multi year guaranteed annuities)...
In today’s Wall Street Journal, MYGAs and defined maturity ETFs are mentioned as two of the ways to “lock in yields above 5%”. https://www.wsj.com/finance/investing/s ... yURL_shareGreat article if i...
View ArticlePersonal Investments • Re: Tax Efficient Asset Allocation - How Confused Am I?
I prefer to have Roth accounts be 100% equity for the simple reason that it's in your best interest for the Roth account to be the one that grows the most percentage-wise over time*.While that's of...
View ArticlePersonal Investments • Re: Invest cash when interest goes down
If you already are investing your cash in a Money Market fund.Such as SWVXX or VMFXX.Where will you move that money to when interest rates start to come down?Anticipating when the Federal Reserve...
View ArticlePersonal Investments • Re: Convert $1M+ to Roth while in high tax bracket?
Currently, I work and am in the highest tax bracket. Spouse does not work. We are both 38 years of age. Ongoing annual retirement contributions are currently $83K comprised of $14K in Backdoor Roth,...
View ArticlePersonal Investments • Re: Asset allocation to buy a house in 5y?
Given you need money in 5 years- Money Market- CD - 5yr term- Short-Intermediate Muni - ~5yr durationStatistics: Posted by yogesh — Sun Mar 03, 2024 8:43 pm
View ArticlePersonal Investments • Re: Currently retired 70 years old
Retired 5 years now from a private non-profit which has now closed down. I have an AXA Equitable 403b and I have allocated 90% in their fixed income account (earning 3%) and 10 % in an Equitable...
View ArticlePersonal Investments • Re: Would you help me best invest/allocate $350k
My concern is that I make >$600k and wondering if the capital gains tax would cause significant tax burden (even though I understand how tax efficient vanguard index funds are). My question would...
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