Personal Investments • Re: Those complimentary dinners for retirees by...
Most expensive dinner you will ever attend. Hang around a barber shop you will get a haircut.Many people here seem to have a lack of faith in themselves.I can’t swallow showing up at something I don’t...
View ArticlePersonal Investments • Re: Should I duplicate the same investments in my...
Our traditional IRAs, Roth IRAs and HSAs are all duplicated with a single fund in each account. His 401k is 100% total US stock market while my 401k (our largest account) holds the 3 fund portfolio....
View ArticlePersonal Investments • Pros and Cons of Investing Emergency Savings
So we have about 9 months worth of emergency savings stored up equating to about 22k. It feels wrong to have it all sitting in the regular savings account it is currently in losing value to inflation...
View ArticlePersonal Investments • Re: Let's say I have one of the new style Vanguard...
Please share why you'd want to do option (b).Because - last I knew - Vanguard does not let you pick a settle fund - so if you wanted tax exempt MM or something different from the default then you...
View ArticlePersonal Investments • Re: For those of you in early retirement, what is your...
If this was directed at me, do you wish to elaborate on what my "shame" ought to be?-BI was an FA for a long time, and the job is to help clients formulate a sound plan and then do everything we’re...
View ArticlePersonal Investments • Re: When to own bonds
Not competitive compared to what and the amount you can purchase is severely restricted so if like me you needed 200k in fixed when I put together my first real portfolio that's not a lot of help.Not...
View ArticlePersonal Investments • Re: Pros and Cons of Investing Emergency Savings
So we have about 9 months worth of emergency savings stored up equating to about 22k. It feels wrong to have it all sitting in the regular savings account it is currently in losing value to inflation...
View ArticlePersonal Investments • Re: Feeling Mislead into Vanguard REIT fund
Nobody is clairvoyant... including people who write books on financial advice. Also, people can change their thinking based on experience and a changing environment. "I recommend REITs and will do so...
View ArticlePersonal Investments • Re: Understanding Return on VBTLX
YTD is backward looking, the yield is forward looking.Statistics: Posted by jebmke — Tue Apr 09, 2024 5:30 am
View ArticlePersonal Investments • Re: Portfolio help request
Wow!You are so very kind and generous.After rereading it, I was worried that my last post sounded arrogant (the last thing I wanted to sound like).I am moving closer to fully understanding the idea...
View ArticlePersonal Investments • Re: Helping a friend convert to the Bogle way
Great feedback -- much appreciated! What drove me to my willingness to help my friend was their disgust with being charged an exorbitant fee for setting up the inherited IRA. That, coupled with their...
View ArticlePersonal Investments • Re: Minimizing capital gains tax strategy
I'd be very curious to know how much of the 900k is gain. If its a large % you might want to think through some alternate options.Statistics: Posted by Bikesy — Tue Apr 09, 2024 6:14 am
View ArticlePersonal Investments • Re: Seeking Advice on Inherited John Hancock Variable...
We've been trying to understand if there's a possibility to withdraw the entire cash surrender value or to alter the payout schedule for these annuities. The contracts currently indicate a surrender...
View ArticlePersonal Investments • Re: What are Good Investments for Someone with Low...
If so, I'd put 10% in a low cost US market index fund. Perhaps VTI. Plan to just leave it there, for more than 2 years if possible.I'd put 45% in a relatively short term bond fund, and 45% in a high...
View ArticlePersonal Investments • Re: Money Market Funds vs US equities right now?
The market (on a long term basis) has never, not gone up. So, long term equities are always going to be the answer. Short term, equities would be the equivalent of going to Vegas. An emergency fund...
View ArticlePersonal Investments • Re: Advisor bought something I don't understand
According to the link that placeholder provided, the net expense ratio is 1.67%.billStatistics: Posted by billfromct — Wed Apr 10, 2024 6:27 am
View ArticlePersonal Investments • Re: Bond fund or I-Bond?
Right now marketable TIPS are at 1.9% for 5 years and 2.2% for 20 years.I’m not familiar with TIPS but obviously those fixed rates are better than the I Bonds off. Is there a catch?If you sell the...
View ArticlePersonal Investments • Re: Asset Allocation Without Tax Consequences?
Thanks everyone for these replies, I find them very helpful and I'm learning a lot here. This may seem like a dumb question, but is there ever a good reason to buy a mutual fund that is 100% equities...
View ArticlePersonal Investments • Re: How to Invest Tax Savings Due to Traditional...
It seems like most people believe VTI and the Target Date Funds would not create a wash sale issue even if the Target Date Fund has a total market fund in it. Do you agree?Yes. Remember that you just...
View ArticlePersonal Investments • Re: Portfolio Review - 37M, MFJ, 2 kids, WA
- if I do well in the next few years, maybe by 42-45 I can dream about it. IAnd to answer the question, right now we need ~150k/yr. for everything. If both kids go to private school, there’ll be a...
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