Personal Investments • Re: Pure Financial Advisors?
I attended the 2 day financial planning course and also did the "free" planning assessment, where they run bunch of Morningstar x-ray reports. After the assessment, they offered 5-7K of comprehensive...
View ArticlePersonal Investments • Re: New Home Question
Sounds like a great buying position to be in. Enjoy the new home!Statistics: Posted by YeahBuddy — Wed Mar 13, 2024 11:15 pm
View ArticlePersonal Investments • Re: Advice for my investments
I wouldn't pay an advisor anything. I've found more useful info on this forum and that I manage my own portfolio. Basically setup a lazy 3 fund portfolio advocated here. If you're getting close to...
View ArticlePersonal Investments • Re: Inherited IRA fund decisions
Yes, we have done several scenarios that included fixed income - monthly expenses, SS and planned start dates, possible balance remaining after drawdowns, etc. It ended up being a rather lengthy...
View ArticlePersonal Investments • FAWXX for emergency funds
I currently just have my emergency funds sitting in my checking account. Was looking at HYSA but trying to keep it simple by having everything at Fidelity. Would this fund in my brokerage account be...
View ArticlePersonal Investments • Re: Google 401k choices shockingly bad
Thank you so much everyone.Check if the returns for various durations for the two funds match up.Bingo. Thanks. The quarterly returns by NAV are the same for VFX and Vanguard Institutional Extended...
View ArticlePersonal Investments • Re: Reducing Large Inherited Holding of a Single Stock
I'm not crazy about the prospect of paying 15% tax on my gains, but at what point does chasing tax losses become a case of letting the tax tail wag the investment dog?Thoughts? Many thanks in...
View ArticlePersonal Investments • Re: "Rich Man's Roth" / 7702
We had this option when I first started working a long time ago.After one or two paychecks I wised up. Likely after reading advice here. I’d almost forgotten this. What a pitfall I luckily got out of...
View ArticlePersonal Investments • Re: Tax Strategy
Hi all,As I was finishing this year's taxes, I thought it might be time to review my overall strategy to make sure I'm not missing anything that could be helpful in minimizing the total tax bill. My...
View ArticlePersonal Investments • SEP IRA and Backdoor Roth IRA?
I have been contributing to a Roth IRA for a few years via the “backdoor” mechanism. I also have about $91k in Schedule C income and I’d like to lower my tax liability by contributing to a SEP IRA.If...
View ArticlePersonal Investments • Re: Newbie for Bonds
I recently retired and find the subject of fixed income pretty complicated. I have moved away from funds, other than money marketFor a younger investor with a long horizon and a desire to dampen...
View ArticlePersonal Investments • Re: How to use Google 401k for 2-3 fund portfolio
One way you could estimate it for different years is to use portfoliovisualizer to compare VTI with a mix of VOO and VXF in a backtest starting at the given year, and find empirically the mix that...
View ArticlePersonal Investments • Re: SEP IRA and Backdoor Roth IRA?
It won't make use of the backdoor process illegal, but it may make it unattractive. A SEP is counted the same as any other traditional IRA when it comes to line 6 of Form 8606, and the pro-rata...
View ArticlePersonal Investments • Re: advice needed investing $700K
For further clarity on my situation:Taxable account: ~1.1M (80% stock, 20% tax exempt bond funds)401K and IRA: ~550K (100% bond funds)Deferred Comp: ~680K ( 65% stock, 35% bonds)Cash: 700K, with no...
View ArticlePersonal Investments • Re: DRIP Broadcom denied and Vanguard Brokerage account
ON 2/24/24, vanguard automatically reinvested my Costco dividends at $722.02/ share. This seems to contradict the $700 DRIP cut-off. Am I misunderstanding something?Perhaps it takes them awhile to...
View ArticlePersonal Investments • Re: Revocable Trusts and I Bonds
Follow-up question on this rather old OP...Now that I have both an individual and a trust account (under the same tax ID), can I do the following: Buy $10K in my trust account Buy $10K in my...
View ArticlePersonal Investments • Re: Good Brokerage Platform that is secured
I have had nothing but positive experience with Schwab. I think you will find it very comparable to TD. If for some reason you don't like it, I would also recommend Fidelity and Merrill Edge. One perk...
View ArticlePersonal Investments • Re: TSP F fund question
The most recent TSP statement listed G Fund as "Cash".Statistics: Posted by AK1236 — Fri Mar 15, 2024 11:17 pm
View ArticlePersonal Investments • Re: Bond Investing
just go VBTLX (bonds) + VTSAX (equities) + VMFXX (cash) and call it goodThis is fine. It also seems to be what you already have. So that's a plus.Statistics: Posted by Beensabu — Fri Mar 15, 2024...
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Personal Investments • Moving Money Around? Seeking Advice for New Boglehead!
I've recently come to the Boglehead movement (31F) after finding what I've read in The Little Book of Common Sense Investing and The Boglehead Guide to Investing to be compelling. I come from a...
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