Personal Investments • Re: Portfolio advice for young beginner
Just want to caution you again, that the "Emergency Funds" bucket should not be included as part of the investment portfolio at all. Exclude that.Got it, I updated my proposed portfolio in the post...
View ArticlePersonal Investments • Re: Portfolio Review in Retirement
Look at this fund as guide for AA.This fund’s allocation to stocks and bonds is the allocation that all Target Retirement Funds are expected to assume within seven years after their designated...
View ArticlePersonal Investments • Re: Long Time Lurker 1st Portfolio Review &...
Mortgage: I would just keep paying as scheduled and continue to take advantage of the benefits it offers including:* Hedge against inflation* Liquidity* Leverage for further investments (taxable or do...
View ArticlePersonal Investments • Re: Transfer HSA from Optum to Fidelity
If you’re in CA, this gets really difficult since you can’t transfer in-mind and have to liquidate, thus paying state tax on gains (if applicable).State taxes? Really? I had no idea if this is in fact...
View ArticlePersonal Investments • Re: Fiduciary advisors vs not - how important do you...
It is pretty simple. If you are talking to a financial advisor you are getting fleeced, even if they are babbling on about being a fiduciary.Now with Fisher Investments and others tossing the...
View ArticlePersonal Investments • Re: Incorrect 1099-R from Vanguard
I've had issues with other custodians. I've had 1099s get corrected in July and Aug. You just have to stay on them until they fix it.Statistics: Posted by nalor511 — Sun Mar 24, 2024 12:41 am
View ArticlePersonal Investments • Re: Please hep me organise the fixed income part of my...
I feel your pain and I had many of the same questions. I came to the conclusion that I am looking at the bond portion of my portfolio to be as anti-stock and stable as possible. The problem with just...
View ArticlePersonal Investments • Re: New employer; should I direct rollover my 401k?
There is nothing wrong with waiting and deferring the decision. Your old 401(k) is at a low cost provider as is the new provider, the issue is that you don't want those funds to be out of the market...
View ArticlePersonal Investments • Re: short term munis acceptable?
Single entity risk can be diversified away, but muni spreads can widen in response to macroeconomic events.We may compare the after-tax yields of duration-matched munis and treasuries, but munis are...
View ArticlePersonal Investments • Re: Some reasons to help me avoid the US/exUS debate
Vanguard put out a paper at the end of 2023 forecasting that ex-US/Emerging is likely to out-perform US over the next decade due to interest rate headwinds. The author and report were featured on a...
View ArticlePersonal Investments • Re: House 2027
Famdamily22, welcome to the forum.You can have a guaranteed return, or you can attempt to get a maximum return that is not guaranteed. A 3-year CD paying ~5% interest is one reasonable option.Or you...
View ArticleClik here to view.
Personal Investments • Re: For those of you in early retirement, what is your...
Once I retired, accumulation was no longer my goal, capital preservation and income were my goals.Right now, my portfolio earns income that is a little more than my gross expenses (which includes...
View ArticlePersonal Investments • Re: HSA limit for partial year
If you expect to be on an HSA-compliant HDHP for all of 2025, then you may use the last-month rule to make a full contribution for 2024.Statistics: Posted by AlaskaTeach — Sun Mar 24, 2024 11:34 pm
View ArticlePersonal Investments • Re: What is the difference between VFAWF and VWRP
I can only see one in my fidelity app (VFAWF). I just want to make sure I’m not buying the wrong one.Statistics: Posted by kyleplaytime15 — Sun Mar 24, 2024 11:34 pm
View ArticlePersonal Investments • Re: Looking to replace monthly cashflow
what about a bond fund or something like BND?Statistics: Posted by barberakb — Sun Mar 24, 2024 11:38 pm
View ArticlePersonal Investments • Re: Navigating Tax Loss Harvesting Decisions: VTSAX...
My question is: Should I open a new position in VTSAX for any new investments, or continue to invest in VLCAX? I'm contemplating a future switch back to VTSAX during a downturn, but the timing is...
View ArticlePersonal Investments • Re: Apple ... stay the course or scale back?
I guess I am not sold on the long term thesis of Apple. I use Apple products myself but I have been spending less and less on their hardware over the years. iPhone iterations no longer offer enough...
View ArticlePersonal Investments • Re: Wells Fargo WellsTrade brokerage account access...
I was a wellstrade user for years back around 2008 or so with the premium program that had free etf and mutual fund purchases when that was unusual and the only problem I had was that the required...
View ArticleClik here to view.
Personal Investments • Re: Those complimentary dinners for retirees by...
Since I know I am not interested why would I go?So you can tell us how does it go? Share the knowledge Statistics: Posted by Metsfan91 — Tue Mar 26, 2024 12:43 am
View ArticlePersonal Investments • Real estate investment question
I am stuck in very confusing conundrum because I am not able to find the right answer to the question whether to sell my real estate or continue holding it. I am giving the real numbers to illustrate...
View Article