Personal Investments • Re: In what order should I fund my 401(k), backdoor...
thanks everyone, really helpful stuff here. from my research, all the states that offer the lower expense fee of around .19% limit the enrollment to residents. I live in CA. the CA program seems...
View ArticleClik here to view.
Personal Investments • Re: Suggest a good simple basket of ETFs for long term
It's just Roth, not ROTH. Named after US Senator William RothThank you! I didn't know that it was named after US Senator. Thanks for sharing!What did you think ROTH stood for? Maybe Retirement Of Tax...
View ArticlePersonal Investments • Re: Young, high net worth and potentially retiring
To be honest, I'm not sure this is the right forum for your situation, because I doubt the most relevant considerations are spreadsheet level math.But my two cents: with your net worth, you have a...
View ArticlePersonal Investments • Re: Why is this NOT a BogleHead Retiree Income strategy ?
1) Goal:A person 65 YO (on Medicare and $3000/mth Social Security) has $2,000,000 liquid cash and wants to live comfortably (defined as $125,000/yr after tax) without touching Principal.2)...
View ArticlePersonal Investments • LMCU HSA investment account rollover to Fidelity
Hello,I'm planning to roll my LMCU HSA over to Fidelity. The LMCU money is currently in their investment account in VFIAX and I hope to get that into cash while we're in this peak period. Any advice...
View ArticlePersonal Investments • Re: How to Sell Non-Covered Shares using SpecID
In the old days before the internet we would send a simple Letter of Instruction as in:"Please sell 132.148 shares of VFIAX purchased on June 21, 1984 from our Account #...... and send the proceeds to...
View ArticlePersonal Investments • Re: Must be a dividend payout that caused my fund's...
The NAV of Fidelity Inflation-Protected Bond Index Fund (FIPDX) dropped by 3.51% today. (The actual broad TIPS market was down by about 0.17%.) This is the first time I've personally noticed one of...
View ArticlePersonal Investments • Re: Investment advice for a 21 year old
Buy VOO or VTI—anytime she has money to do so—don’t worry about whether it is “high” or “low” at the time of purchase. Roth probably a better choice at this point in her life because her income is low...
View ArticlePersonal Investments • Re: fixing the sin of holding bonds in a taxable account
Hi,I got concerned reading all the replies so far.......I think that I am not understanding the basics.You might want to start a separate thread on this, so as to not confuse the OP's question. You...
View ArticlePersonal Investments • Re: Help with asset relocation
The equivalent funds in your 401(k) are:BlackRock Equity Index Fund (0.03%) - VFIAX equivalentBlackRock Russell 2000 Index Fund (0.07%) - VEXAX equivalent BlackRock EAFE Equity Index Fund (0.08%) -...
View ArticlePersonal Investments • Dividends issued at year end and 1099-DIV
The ex-dividend date is 12/21/23 on one of my ETF. The expected dividend payment date is in January of 2024. Would this dividends show up on 1099-DIV for 2023 or 2024?Statistics: Posted by Boron1913 —...
View ArticlePersonal Investments • Re: Still worth it to buy iBonds yearly?
5.2% composite rate on I bonds is still the best yield currently. Quite competitive with T bills rates that aren't inflation indexed, and quite a bit ahead when compared with the yields of long term...
View ArticlePersonal Investments • Re: Mega Backdoor Roth Setup + Backdoor Roth
401(a) contributions -- designed to be pension replacements -- are NOT counted against the $66k limit, as these contributions are mandatory and not voluntary.I would urge you to make both pretax and...
View ArticlePersonal Investments • Re: Invest in brokerage?
I used to wait for the dip, and it drove me crazy. I almost always regretted not just buying when I could, and missed out on a lot of gains as a result. 2024 goals: Invest when I have the money to...
View ArticlePersonal Investments • Re: AA in Differing Account Types
This is about how to allocate wealth given the typical spread of accounts.I am familiar with the concept of tax efficiency. I have the accounts most of us do:- An emergency fund of a year's expense.-...
View ArticlePersonal Investments • Re: I am stuck with Fidelity Zero in brokage account...
Be sure to turn off automatic reinvestment of dividends on your FZROX shares. Use that money to slowly build a position in transferable ETFs or mutual funds. You might plan to use money from FZROX if...
View ArticleClik here to view.
Personal Investments • Re: Any reason not to stuff it all into VTSAX?
As long as we can assume bonds are fairly safe and won’t lose a crazy amount like say 15% in a year then that could help in the event of a job loss. . I think I’d rather have vtsax, no debt...
View ArticlePersonal Investments • Re: 100% Equities for 30 years?
Instead of VT+VOO in taxable accounts, I would recommend using VOO+VXUS and sizing appropriately for the percentage you want to track global market cap. The reason is that you will be able to claim...
View ArticlePersonal Investments • Re: Contributions to Roth while working in semi...
Thank you for all that have commented on my question. As I intend to live off of my dividends, what I am trying to accomplish is to increase/maximize my total balance(s) to achieve my goal. While...
View ArticlePersonal Investments • Re: After retirement question
Thanks everyone for the wonderful information! Many things to think through for sure. I do think I will start a taxable account. On a side night, or high RMDs really a bad thing? I wouldn't want to...
View Article