Personal Investments • Re: Portfolio Overhaul Help Needed Due to Changing...
Getting back to my portfolio, I could really use some fund recommendations. I'm not sure whether to go with a fund of funds to simplify things or if I could achieve a better return by putting together...
View ArticlePersonal Investments • Re: Old IRA contributions deductible or non-deductible...
When did you last file a form 8606? It should have the cumulative basis for your traditional IRAs.Statistics: Posted by clem22 — Fri Apr 05, 2024 2:34 am
View ArticlePersonal Investments • Re: Seeking Financial Wisdom from the Community
Congratulations on prioritizing your finances and the strides you have made in the last couple of years.Simplicity: glad to hear you will be consolidating your accounts. How did you decide Vanguard...
View ArticlePersonal Investments • Re: Retirement check for new member that is trying to...
If not already, suggest you look into the 4% rule to help you assess whether or not your portfolio will be able to support the income you need when no longer working. There are many resources on this...
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Personal Investments • Layoff coming, portfolio check please
I have posted in a separate thread about my layoff notice and steps I need to take.This thread is purely for our portfolio to seek guidance from the group on steps to take and any reassurance about...
View ArticlePersonal Investments • Re: Trouble trying to buy Treasury bills in my...
People,I have updated to SONOMA on my MAC and had purchase problem.I knew about the un-check cross site traffic but still had the issue.Apparently with upgrade you have to go to second smaller drop...
View ArticlePersonal Investments • Re: Why do people buy annuities?
Yes and no. My parents were/are (my father died years ago) very intelligent people, and I wouldn't describe either of them as "faint of heart" (they lived through some challenges in their lives most...
View ArticlePersonal Investments • Re: Using up large accumulated capital loss with...
02nz, if you've finished filing your 2023 tax return, any update on whether this worked out as intended? Any unexpected issues? I'd like to do the same thingBumping vfinx's question. I too am...
View ArticlePersonal Investments • Re: Using up large accumulated capital loss with...
Update: I've been executing this strategy for a couple of months now. Works great and easy to do. I sell all the SGOV shares close to the end of the last trading day of the calendar month and buy it...
View ArticlePersonal Investments • Re: Bank of America Preferred Rewards Platinum and...
I think that they have "preferred deposit" but you literally have to call them on the phone each time you want to move $ in or out and it's a pain. As in call and say "move $5K from preferred deposit...
View ArticlePersonal Investments • Re: Index fund choice to offset a large fossil fuel...
Thanks all for the input. Many good insights here.Energy stocks are a pretty small part of the total market. My 403(b) uses a fossil-fuel-free total market fund. Instead of having 4% allocation to the...
View ArticlePersonal Investments • Re: SGOV, management fee waiver
a bit longer duration...but dirt cheap - XLHFAnother option is ICSH from iShares at 0.08% without any fee waivers. Similar (actually slightly better) performance as SGOV with the caveat that it's...
View ArticlePersonal Investments • BND vs BIV in a high interest rate environment
Hi All,I have been reading on the forum other discussions about when to choose BND versus BIV.As I understand it, some people don't like BND because it holds mortgage-backed securities. These people...
View ArticlePersonal Investments • Re: Late and Lazy - New Boglehead
Which means, for your mortgage, you are borrowing at a "pre-tax equivalent" interest of 5.5% (1 - 22% Fed - 5% state rate assumed) = 7.5%!!Would you want to invest in a CD that is yielding 7.5%, the...
View ArticlePersonal Investments • Re: General Portfolio Recommendations
Top level thing you can do is stop giving to Total Market and S&P 500 if you are still contributing. No harm in keeping in taxable but you are duplicating effort because they are basically the...
View ArticlePersonal Investments • Re: Mortgage, investing vs pay extra
How old are you? We are 55 and 59 and are paying off a 15-year @ 3.125% 5 years early this coming year. We don't want debt going into the '60s. We just paid off a 3.875% loan on a rental property,...
View ArticlePersonal Investments • Re: Temporary investment in Treasury Bills ($200,000)
Thank you for your suggestions. ETFs like SGOV or BIL could be a very useful tool to get what I want.Statistics: Posted by Madame — Sun Apr 07, 2024 4:11 am
View ArticlePersonal Investments • Re: Portfolio review and future contributions
Annual Expenses: What do you expect your future expenses to be when you are no longer working? Best guess and include EVERYTHING such as taxes, medical, potential lumpy expenses (new roof?), etc. I...
View ArticlePersonal Investments • Re: How Do I Invest My $250k?
That said, I would like to invest my $250k. The investments I consider safe are t-bills which currently yield 5%. But I'm open to other safe investments with a bit more yield. That said, I'm also open...
View ArticlePersonal Investments • Re: How to Invest Tax Savings Due to Traditional...
*I’m assuming that while the money in my tax-advantaged accounts may grow at 7 or 8% over the years, this money invested in taxable may only grow more like 5 or 6% due to tax drag. Am I thinking about...
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