Personal Investments • 5-8 years to early retirement. Portfolio review and...
Hi all. I hope I have everything organized properly below. Appreciate your thoughts and advice.--------------------------------------------------------------------------------------Emergency funds:...
View ArticlePersonal Investments • Re: Seeking improvement in non 401k retirement portfolio
JET1005,"You can only withdraw contributions, not investment earnings, and there are limits."A) If someone could only pay whatever amount is in the Roth IRA contribution, why would this matters? 12K X...
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Personal Investments • Re: Roth IRA & HSA Allocation Feedback
... hoping for feedback on asset allocation for my Roth IRA and HSA, ...Welcome to the forum. My initial reaction is that you've certainly done your reading, which is good. My worry is that it feels...
View ArticlePersonal Investments • Re: REIT fund for buy and hold index investor?
OP, do you own a house already? If so, what percent of your overall assets is made up of the home equity?This is the least sophisticated argument I've heard to not having a separate real estate...
View ArticlePersonal Investments • Portfolio Critique
Basically, title.This is for my wife (age 37), myself (34) and our 15-month old. As for liabilities, we currently owe $370,249 on a 30-year fixed at 2.625% interest. The house is probably worth around...
View ArticlePersonal Investments • Re: Starting the SSRI Paperwork
The thing about vanguard pas is they want all the funds/etfs to be vanguard products. If your account is taxable, then you might end up with a large tax bill to switch to pas. You would need to look...
View ArticlePersonal Investments • Re: Vanguard Treasury redemption message vs actual...
Hello All, I confirm that is what I see when i look at the transactions. Thank you so much for clarifying.Statistics: Posted by noelb — Sun Mar 10, 2024 11:24 pm
View ArticlePersonal Investments • Re: Portfolio Critique
Investments look good so just stay the course and focus on contributions with spending less and saving moreStatistics: Posted by yogesh — Sun Mar 10, 2024 11:39 pm
View ArticlePersonal Investments • Re: Return of Capital tax handling
Here’s my understanding and suggested handling inasmuch as several of my investments generate nondividend distributions each year.The tax treatment of nondividend distributions is set forth in...
View ArticlePersonal Investments • Re: Sharing why we went with Vanguard PAS
For those who have used PAS, under the old or new definition, did they help with non-investment financial planning?Social Security claiming strategy? Mortgage refinancing? Bridge loans for those...
View ArticlePersonal Investments • Re: Career ending, getting fired. Can we FIRE ?
As a gay couple ourselves, we immensely empathize with the uncertainty you are grappling with right now. Thank you.Selling the home and moving to a smaller place in the same general area - by ordinary...
View ArticlePersonal Investments • Re: Retiree close to RMD Help with Portfolio and advice
In your traditional IRA (tIRA), try to store low performing assets (bond funds) there in order to subdue its long term growth, since that will reduce your future taxes on your upcoming annual Required...
View ArticlePersonal Investments • Re: Are we a good fit for Vanguard Personal Advisor,...
Just in case you are still looking, you might give a call to Wealthramp.com who will match you/your wife with several fee only financial advisors based on your needs/goals. You can then interview each...
View ArticlePersonal Investments • Been saving HSA receipts for 5+ years, why not just...
I recently had this realization as I snapped yet another picture of a medical receipt... have been doing this stupid charade all this time unnecessarily? It feels like I surely must be overlooking...
View ArticlePersonal Investments • Re: Should I keep Renting or Sell Rental?
Hi,I need help deciding if it makes financial sense for me to keep my rental. If I sell it now, I would leave it in treasury/hysa for a future home. I have been renting it the last 10 years and each...
View ArticlePersonal Investments • Re: Leaving Payflex HSA - avoid account closure fee?
Thanks for the info. Fortunately, my company's HR web portal allows me to enter any HSA's routing and account number. I've entered one for the Fidelity HSA account that I've just opened. So, it looks...
View ArticlePersonal Investments • Re: SS is insufficient, very little savings, what's...
As many have pointed out in this thread:- They do not need an investment advisor. No successful investment decision at this point is going to move the needle. Just use CDs or savings account or Money...
View ArticlePersonal Investments • Re: Rate my asset allocation
Would recommend putting in fund names, people don't memorize the thousands of funds out there (nor want to be forced to look them up).But even not knowing the names, the general view is that 5% isn't...
View ArticlePersonal Investments • Re: Poor Publix employee seeking 401k investment...
I would spend less than $80k in retirement. Yes, my 401k is less than $500k. It isn't even $100k. My 401k which includes Publix stock given to me is greater than my brokerage + roth accounts.Well my...
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Personal Investments • Re: Late Bloomer Seeking IUL [Indexed Universal Life]...
Hi,Need some reassurance that I'm making the right choice and I'm hoping this is the right place. I know IUL questions have been done to death, but I'm hoping for some specific thoughts on my...
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