Personal Investments • Re: HSA Tax efficiency in CA
You still get all the federal benefits, but there are no advantages for CA income tax. It isn't really that difficult, although for some HSA providers, you may have to request the necessary...
View ArticlePersonal Investments • Re: Should one invest in gold? If so, how and how much?
The general concept of volatility = risk might be expected to be associated with that risk being rewarded, the lower the risk the less you might expect to be rewarded, the higher the risk the more you...
View ArticlePersonal Investments • Re: Taxable Account Question
In the not so distant future I’m going to be limiting my AGI for ACA and FAFSA eligibility. I’m going to be primarily withdrawing from my 457b, however, will need to withdraw some additional income...
View ArticlePersonal Investments • Re: Can TIPS in a taxable account make sense?
If you live in a high income tax rate state, it is better to hold them in taxable. If you hold the tips in tax deferred you pay state tax on the interest when you withdraw. If you hold them in...
View ArticlePersonal Investments • Any downsides to consolidating multiple Rollover IRAs?
Hi Folks,As the title says, I’m wondering if there are any downsides or side effects to consolidating multiple Rollover IRAs into one? I’m in CA, if that makes a difference.I know ERISA protections...
View ArticlePersonal Investments • Re: Impending Retirement, Portfolio Review +...
1. We had set a retirement target for me at 64 (2026). But voluntary/involuntary actions are likely in the very near future with severance packages which would amount to close to a year’s compensation...
View ArticlePersonal Investments • Re: Insurance Co attempting to change terms of contract
Rex66, I followed your advice and electronically filed my complaint along with documentation to my state's insurance commission web portal. Hopefully, it will resolve sooner than your experience. I...
View ArticlePersonal Investments • Re: Please critique my portfolio
Thank you for the detailed response! I'll need to take some time to reviewStatistics: Posted by nomorework — Wed Mar 20, 2024 1:40 am
View ArticlePersonal Investments • Re: Taking long term capital gain
Don't forget that qualified dividends share that 0% space that floats atop your ordinary income so be sure to include any of those in your calculations.Statistics: Posted by placeholder — Thu Mar 21,...
View ArticlePersonal Investments • Re: Rebalancing Yearly in Taxable - how to LTCG?
Now that I'm retired I have similar problems and while I have been using dividends to rebalance for year it's now the case that without the new money some things are out of range but I just haven't...
View ArticlePersonal Investments • Re: TIAA 403b: Rollover options to Vanguard after exit...
Your options are:1. Traditional or rollover ira which would interfere with backdoor roth2. Roth ira which would be taxable and if you are in an income situation requiring backdoor probably a bad...
View ArticlePersonal Investments • Re: Portfolio Overhaul Help Needed Due to Changing...
I agree that individual stocks is not the way to go for your family, at least not when it comprises 100% of your invested assets.I think you should consult with a professional who specializes in...
View ArticlePersonal Investments • Re: cash balance plan investments
Why are you targeting matching the interest crediting rate and how does this fit in with the rest of your portfolio?That's what I was told to do to avoid significant fluctuations in contribution...
View ArticlePersonal Investments • Re: Investment Questions for Elderly Widow.
I think it is a good plan. She should have enough expenses to last even if she has to go to a nursing home and pay $100K a year. I would also start by moving her money from her bank which will earn...
View ArticlePersonal Investments • Re: VWIAX [Vanguard Wellesley Admiral Shares] for 80+...
They have other sources of income. This fund would be to help later in life (although they are currently in their 80s).This would be a taxable account. The total income they have is around $60,000...
View ArticlePersonal Investments • Re: 23 years old, question about investments in...
Here is the breakdown of my portfolio, Vanguard:2023 Roth: $6500$3000 in VTSAX$3000 in VTIAX2024 Roth: $7000All in settlement fund waiting to be investedIndividual Brokerage (Taxable): $3000All in...
View ArticlePersonal Investments • Re: Sold all my original Mutual Funds today
Wow. I will quote Charlie Munger when I say that it's "disgusting" what the financial industry does to individual investors. The fact that a "financial advisor" came up with this steaming pile of...
View ArticlePersonal Investments • Re: Highly Concentrated Position In Zero Cost Basis...
My MIL has a very robust pension plan as well as other sources of income and has confirmed that she will not be needing cash flow from her portfolio. It's pretty much destined for her 2 daughters (and...
View ArticlePersonal Investments • Re: money from 401
Do you get Social Security or a pension? Do you have enough income to live on without drawing on your 401k?Does your 401k have a stable value fund or money market fund?Does your company offer an...
View ArticlePersonal Investments • Re: Considering a TIPS ladder. Is this the right...
Is this ishare the same the the TIP ETF offer in Vanguard?No. The iShares iBond ETF products are pretty unique in that they hold TIPS that mature in a single year so the duration decreases over time....
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