Personal Investments • Re: Broad market index funds that are low dividend type
The dividend rate on VTI and VOO are around 1.4% and 1.2% respectively. That is pretty darn low. I'm not sure you can get much lower without a more significant jump in ER or reduction in return.But...
View ArticlePersonal Investments • Re: Portfolio review for married couple with 13 years...
My wife and I also have 13 years difference. The main issue is what the other posters have referred to as the go go years time. There will be a longer period of time when one of you is not able to be...
View ArticlePersonal Investments • Re: how much of the total US stock market is in Value?...
For my own purposes, I use the Morningstar Stock Style box and convert it to a simple LG, LV, SG, and SC split. For VTI that comes to about:58% Large Growth30% Large Value4.5% Small Growth7.5% Small...
View ArticlePersonal Investments • Re: Am I saving too much?
You’re only young once. You’re saving so much, you’re going to miss out on a lot. When I was your age, I was making a less than a third of what you make and I still spent a few thousand for a couple...
View ArticlePersonal Investments • Re: Help | 85 Year Old about to Lose Home
Reverse mortgages are not the boogeymen that some say. At least not all of them. The problem is that people who need them have often gotten themselves into an asset depletion spiral. Maybe take a...
View ArticlePersonal Investments • Re: Is it safe to put money in VMFXX money market fund?
You can try VUSXX. That is what I use and have my mom in.Statistics: Posted by gotoparks — Sat Mar 30, 2024 12:53 am
View ArticlePersonal Investments • Re: Portfolio Selection Advice
If you look at the underlying funds there is a three fund portfolio within the TDF. Large cap, international, and bonds. My retirement is with the TSP and I believe I have 5 funds. I used to use a TDF...
View ArticlePersonal Investments • Re: Wash Sale triggers after spinoff
Yes, it shows up on my Schwab Street Smart Edge positions for VLTO shares as an adjustment and flagged "WASH".Statistics: Posted by hugro785 — Sat Mar 30, 2024 1:41 am
View ArticlePersonal Investments • Re: Who Has Not Rolled Over Their 401K
I rolled my 401K to an IRA when I had to start to take RMDs and wanted to use part of this for QCDs. One cannot take a QCD from a 401K: https://www.investopedia.com/401k-quali ......
View ArticlePersonal Investments • Help me prove my theory that we can beat the 4% rule
I’m not at expert at running simulations like others on this board but I have a theory that we can easily do better than a 4% withdrawal rate on an after tax basis by using a different method. Typical...
View ArticlePersonal Investments • Re: Anyone holding individual or REIT ETF for income?
Same topic as this thread: "Good REIT for SWAN and income?" date Mar 4, 2024viewtopic.php?t=425986Statistics: Posted by doobiedoo — Sun Mar 31, 2024 1:56 am
View ArticlePersonal Investments • Re: I bond income on schedule C for single member LLC?
I-Bond interest is not active business income (even if the I-Bonds are held in the name of the business). Any I-Bond interest will be reported on Schedule B and not Schedule C.The argument they make...
View ArticlePersonal Investments • Re: Help me prove my theory that we can beat the 4% rule
Copy your entire post and put it into Gemini AI. Says it could be better than 4% SWR. Could.Statistics: Posted by Derpalator — Sun Mar 31, 2024 2:50 am
View ArticlePersonal Investments • Re: Harvesting [Tax Loss Harvesting]
[...]The only thing I am still considering is the possibility of Harvesting the maximum $3,000 of STCL each year, but only if the Capital Loss does not reduce the Long Term Capital Gain. I plan to...
View ArticlePersonal Investments • Re: ETF vs Index Funds - Either or Or Both?
Just curious does anyone here have both ETFs and Index Funds in their portfolio I use ETFs in my portfolio. All of my ETFs are index funds.Same here.One of my ETFs tracks a total stock market index....
View ArticlePersonal Investments • Re: Managing a Surprise Multi-Million Dollar...
@peteyboy How did you come up with the $5000/5500 monthly withdrawal amount and why keep 5% cash?Statistics: Posted by myfrogger — Mon Apr 01, 2024 12:51 am
View ArticlePersonal Investments • How to manage a traditional IRA with tax bracket in...
I am 66 and retired with a monthly pension that supports me. So far, I do not need my retirement investments. My tax bracket in retirement is the same as when I worked. Therefore, there will be no...
View ArticlePersonal Investments • Re: Lump-Sum Investment Help
Yes, you could keep 20% in T-bill instead of any other bond fund.I am a DCA fan. I’ll divide investable money into x equal parts and invest over several weeks.Statistics: Posted by Metsfan91 — Mon Apr...
View ArticlePersonal Investments • Re: How do YOU integrate cognitive decline with...
How do YOU integrate cognitive decline with investment policy? This won't suit the forum, but I am using a flat fee advisory firm that does not raise their quarterly fee over time, since the initial...
View ArticlePersonal Investments • Re: How to manage a traditional IRA with tax bracket...
What should I do?Convert to Roth up to the top of your current tax bracketStatistics: Posted by lakpr — Mon Apr 01, 2024 2:35 am
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