Personal Investments • Re: Recommended funds for HSA?
terran's gave you very good advice. Just want to add that allocation of the Vanguard target date funds will become more conservative over time. If you want to maintain a static allocation for the...
View ArticlePersonal Investments • Re: Avge or VT?
I went thru the same analyzing loop x 10 million. AVGE is a simple, single fund with a home country bias built in. VT has no home country bias. With VT you have zero chance of wishing you had...
View ArticlePersonal Investments • Re: I want to pay off car using money from Roth IRA
I'm glad someone finally sees the logic.I see the logic because I did almost the same thing. My car was totaled by a hail storm last year, and I took 40K out of my Roth to buy a new one.Statistics:...
View ArticlePersonal Investments • Re: Type of Bonds for Long Retirement
Half long term TIPs, half muni bondsStatistics: Posted by muffins14 — Mon Mar 04, 2024 9:01 pm
View ArticlePersonal Investments • Re: Where to cap 529 contributions?
i limit my 529 to 10k per year due to state tax deduction limit , if more funds are needed i will use my i-series bond holdings . once i run out of those funds i will use student loans or sell taxable...
View ArticlePersonal Investments • Re: What to do??
Just post your customer service questions on the forum. Everyone else does.Statistics: Posted by gotoparks — Mon Mar 04, 2024 9:11 pm
View ArticlePersonal Investments • Re: Why do large cap growth stocks have periods of...
because they are large and growing ?Statistics: Posted by manuvns — Mon Mar 04, 2024 9:13 pm
View ArticlePersonal Investments • Re: Mega Backdoor - Post separation from employer?
I've called again today and got someone more clueful on the phone. Here's the result:* Pre-tax 401k balance -----------------------> Rollover IRA* Roth 401k balance -------------------------->...
View ArticlePersonal Investments • Re: Vanguard applied RMD to the wrong year?
FYI…In the event you’re a non-eligible designated beneficiary it may be that you didn’t need to take the RMD in 2023. See the link below that relates to IRS Notice 2023-54....
View ArticlePersonal Investments • Re: the psychological value of "paycheck...
I like the comfort of having a TIPS rolling ladder and an SPIC, ether of which will pay me enough for basic expenses. My concerns are 3:1) I like having a regular monthly income, to automatically pay...
View ArticlePersonal Investments • Re: Pay off mortgage loan now or Not?
My retirement investment is in VOO/VTI and short-term bond/MMF with 65/35 ratio in ~ 1M.How does that compare with your retirement needs?Are you at like 10x or 15x saved?I am not planning to pay off...
View ArticlePersonal Investments • Re: Schwab Investing Themes - Opinions?
I was served an ad for these tonight and was intrigued (great article at top, BTW, on why it’s not a good idea). read through the website and the interesting part for me is that it is actual shares...
View ArticlePersonal Investments • Re: 401k funds for 27 year old
Max 401k and Roth IRA before investing in taxable. Fidelity Freedom Index 2060+ in the 401k. VOO in Roth IRA. VTI in taxable.+1Statistics: Posted by yogesh — Tue Mar 05, 2024 9:30 pm
View ArticlePersonal Investments • Re: California Tax-Exempt Bond ETF - thoughts?
According to Fidelity, VTEC announced a distribution of $0.2874 on 03/01/2024.Am I correct in interpreting this as a 30 day yield of 2.874%?You have the wrong division here. The fund price on 2/29 was...
View ArticlePersonal Investments • Re: Please eval my mortgage
Do you want to escrow the taxes and insurance, or save for them yourself?I want to escrow. Less headache on my part.Not really much of a headache. I haven't had an escrow account since my first...
View ArticlePersonal Investments • Re: Why Doesn't My ETF Show Up in My Roth IRA?
As noted above, you can transfer directly from your bank to a mutual fund in your IRA. If you want to buy an ETF, send the money to the settlement fund, which is a mutual fund, and then buy the ETF...
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Personal Investments • Re: Funds’ review help - smells like a ripoff
basically these funds are using options to hedge the downside risk. So they are supposed to not perform as bad as the market when the market falls. However, it appears to me there's a cap on...
View ArticlePersonal Investments • Re: Transferring from EJones to Fidelity?
Absolutely a good move on your part.+1.Statistics: Posted by Gaston — Wed Mar 06, 2024 9:20 pm
View ArticlePersonal Investments • Re: 1099 R - Roth IRA conversion and closure
Thanks for reply. Looks like first I have to pay tax on $6500 ROTH contribution due to pro-rated rule and then again tax on same amount due to early withdraw. basically double tax on same amount and...
View ArticlePersonal Investments • Re: I bonds selling
I found out that I can’t send my paper bonds directly to Fidelity. However, I can cash them at a bank and then roll those funds into a 529 within 60 days without a tax hit. And as mentioned above, I...
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