Personal Investments • Re: How many brokerage accounts do you have?
Post Tax regular brokerage accounts I have 2- Citi Personal Wealth Management - I have about $275k in $VOO in this account, reinvesting dividends. I keep this to get CitiGold status which is a no...
View ArticlePersonal Investments • Re: Portfolio Review: Please help me consolidate funds...
I must be doing something - when I go into the trade function of Fidelity to do a sell order I don't see any drop-down box in order to specify shares that I want to sell. Is that not an option with...
View ArticlePersonal Investments • Re: Roth 457 and/or Roth 403b in-plan conversions?...
Thanks. If the plan already allows for Roth 457 or Roth 403b contributions then there is no need to fool with an in-plan rollover to Roth, right?Not quite. The Roth 457 or Roth 403b contributions are...
View ArticlePersonal Investments • Re: Alumni Ventures Group - Total Access Fund - Easy...
The level of online advertising they do to recruit investors for their Alumni Funds, and the fact that their business seems to primary rely on people’s affinities for schools that Alumni Ventures has...
View ArticlePersonal Investments • Re: Maximize After-Tax Sub-account of 401K
Would like to express my sincere thanks to both FiveK and SnowBog in guiding my thinking and understanding.I tried to read the section on misconceptions but do not think I fully understood. The...
View ArticlePersonal Investments • Re: Purchasing MYGAs (multi year guaranteed annuities)...
Anyone with a Canvas/Puritan MYGA reach the end of the Initial Guarantee Period and did they send you some kind of notification or did you have to "remember" to withdraw (within the 30-day no...
View ArticlePersonal Investments • Re: Tax Gain Harvesting
Why do you "need to" do this? You can reduce regular income by $3K and carry over the rest to next year, and do the same thing then if you wish. I was planning to make sure that at least 3K of losses...
View ArticlePersonal Investments • Re: Which Banks Offer Benefits Like CitiGold and BOA...
Can you elaborate on the $120 in TY points? I don’t see that anywhere on Google, only the $200/400 in subscriptions.Also, I disagree with the other posters in this thread. Just because you have $1M in...
View ArticlePersonal Investments • Buying I bonds: what am I missing?
Hi,I have read here and there people buying or advised to buy I bonds in their taxable accounts on recent posts.I thought I bonds could nowadays only be bought at Treasury Direct and paper I bonds...
View ArticlePersonal Investments • Re: Buying I bonds: what am I missing?
Hi,I have read here and there people buying or advised to buy I bonds in their taxable accounts on recent posts.I thought I bonds could nowadays only be bought at Treasury Direct and paper I bonds...
View ArticlePersonal Investments • Re: End of Year Backdoor Roth
You can contribute until April 15th next year, unless you have done any Roth conversions during the year already. If you did not, then contribute prior to April 15th, report the contribution on your...
View ArticlePersonal Investments • Re: I've Maxed Everything Out and Want to Make Sure...
Let me try to respond to your questions-At age 40 with a $2M portfolio, I think you need some fixed income. I'm a few years older than you, but have been 70/30 for a long time and it suits me. Suggest...
View ArticlePersonal Investments • Re: Wash sale question
The question of whether retirement trusts like 401ks count other than iras which were specifically added by an irs revenue has been much debated and it's not useful to do so again here so if you are...
View ArticlePersonal Investments • Re: Did I save too much in tax-deferred?
Giving 53k to charity saves how much in taxes ?It is not all about saving money on taxes. If I have shares that cost me $10,000 back in the day and give them away when they are worth $50,000, then I...
View ArticlePersonal Investments • Re: Rebalancing-Out of Bond space in IRA where to buy...
Unfortunately the ER on all the TDFs are .39% which could work I just feel like I would be paying a premium on my 30% of equities in that fund, but something certainly to look into.Not much difference...
View ArticlePersonal Investments • Re: First time with equity loss; sell winners to...
If the poster is in New Jersey, yes I would offset the losses with the gains to the extent possible. NJ does not let you carry over losses from prior years. Yet will tax any realized gains with...
View ArticlePersonal Investments • Re: Liability Matching in Taxable account
"Discontinued"This topic is related to "TIPS in IRA two ways": "viewtopic.php?t=419815"I had no reply and found some of my answers somewhere else. I continued in mentioned link.Thanks to all read...
View ArticlePersonal Investments • Planning 2024 IRA Contributions - Traditional or...
All,If I'm uncertain whether I'll exceed Roth IRA income limits in 2024, can I just contribute to traditional IRAs for myself and spouse and execute a backdoor Roth at the end of the year? We may be...
View ArticlePersonal Investments • Re: Getting back in the game after a setback.
For the T-bill question, consider the lump sum versus DCA wiki page and this rational reminder episode that discusses buying the dip. https://rationalreminder.ca/podcast/144Care to summarize? I assume...
View ArticlePersonal Investments • Re: Tax GAIN Harvesting for kids
Buying back at a higher cost to reset basis = less sharesYou’re overthinking it, as you’re not just using the principal but also the gain you’ve just captured to re-purchase. Therefore the number of...
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