Personal Investments • Re: Retiring Soon-Questions about rollovers
If you're going to roll to fidelity ask them for a bonus if it's a reasonable amount.Statistics: Posted by placeholder — Sat Mar 16, 2024 12:25 am
View ArticlePersonal Investments • Re: Where to keep emergency funds?
You can keeppart of it in MMF, part of it in I bondsStatistics: Posted by Yvy — Sat Mar 16, 2024 12:32 am
View ArticlePersonal Investments • Re: Moving Money Around? Seeking Advice for New...
Welcome. Some people post about Betterment usually younger trying to get out for whatever reason. If you like them and think they are a good value no reason not to keep them unless you just want to...
View ArticlePersonal Investments • Re: Asset allocation for "bridge funds" to...
If it is a LTCG year, still take your 457b w/d or Roth conversion to the standard deduction amount. Then sell enough stock fund to generate $93,050 in capital gains. Note that if your stocks have...
View ArticlePersonal Investments • Re: Check my work: Taking over management of my...
You have it exactly right. I would make (2) minor tweaks: I would move all the bonds from the Roth IRA to the Traditional IRA I would get rid of the international bonds - just use US Bonds (not a huge...
View ArticlePersonal Investments • Re: OpenSocialSecurity Spousal Benefits question
The WEP calculation is complicated. I would file at HER fra just to make sure she receives anything she might be eligible for.Statistics: Posted by mhalley — Sat Mar 16, 2024 11:36 pm
View ArticlePersonal Investments • Three Year Limit
I did this yesterday and it works.You can add it to another 2FA app with some code:https://github.com/dlenski/python-vipaccessSorry to dredge up this old thread. I used the python script to grab the...
View ArticlePersonal Investments • Re: HELP - what to invest in for 750,000 windfall
I would invest all of it in VOO, Vanguard S&P 500 Index ETF, and I would do it right now, all of it at once. I don’t know if this is appropriate for you as I know nothing about you. But you asked...
View ArticlePersonal Investments • Re: Estimating RMD Taxes for Retirement Planning
RMDs are taxed as ordinary income, assuming you don't give them to charity using QCDs. It is the same as if your wages were increased by the same amount as the RMD is. If you have many years of...
View ArticlePersonal Investments • Re: Can I retire with $1.75M at age 43?
I am surrounded by mouth breathing white collar welfare recipients making 6-figure doing less than nothing. I should be working for myself instead of babysitting them at detriment to my sanity and my...
View ArticlePersonal Investments • Re: Trad IRA to Roth IRA Conversion Help - taxable...
You mention that your wife makes $50k & your traditional IRA is $20k, so if you convert the $20k traditional IRA into your Roth IRA, that will bring your gross income up to $70k, also known as...
View ArticlePersonal Investments • Re: 529 Plan
I would like to start 529 plan. Is it something that I can do via Schwab if possible? I see it has 'Apply Now' option when I search for it. Our primary residence is in VA, which is where the fund...
View ArticlePersonal Investments • Re: Wash sale question for bi-weekly investing.
Also make sure that you don't have VXUS in any of your IRAs, and/or you haven't bought any VXUS in the IRAs in the past 30 days nor will buy again in the next 30 days. If you do, then the loss that...
View ArticlePersonal Investments • Re: Simplify My Life (Portfolio Review)
For Taxable, suggest:-Total Stock Market Index Fund-Total International Stock Market Index FundIn your 401K:BR S&P 500 Index (0.0145%)MEL EB DL INTL EQ (0.0312%)BR TOTAL RETURN BOND (0.2087%)Thank...
View ArticlePersonal Investments • Re: Two ETFs in one taxable account vs two?
It kind of sounds like you thought there would be something so what were you thinking might be the situation?Statistics: Posted by placeholder — Tue Mar 19, 2024 12:29 am
View ArticlePersonal Investments • Re: Mutual Fund Sales Charges
Let's say one buys a mutual fund, more than the threshold as to avoid the initial sales load. That avoidance of the sales load is contingent on holding the fund for more than 18 months, or else a 1%...
View ArticlePersonal Investments • Re: Excess Roth IRA Contributions ?
Hi I’m in the same boat overcontributint for 2022 and 2023z I was wondering how you resolved this situation?I'd recommend starting a new thread with your particulars rather than tagging on to this...
View ArticlePersonal Investments • Portfolio Overhaul Help Needed Due to Changing...
When I began investing with a small sum 30 years ago, my goal was to grow as much money for retirement as possible. Now that I’ve reached my 60’s, my investment goals have drastically changed. I have...
View ArticlePersonal Investments • Re: Transfer HSA funds
Hello,My employer offers a HSA through HealthEquity. Unfortunately, the agreement between the employer and vendor states that I cannot invest the money until my balance is $2000. I also have a...
View ArticlePersonal Investments • Impending Retirement, Portfolio Review + Decumulation...
Emergency funds: between cash/MM, and intermediate term bond MFs there's plenty of liquidity to cover is my plan. Debt: NoneTax Filing Status: Married Filing JointlyTax Rate: 24% Federal, 9.9%...
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