Personal Investments • Re: Where to invest after maxing out 401k and roth?
This is where I show my lack of financial savvy. Already maxing out 401k, maxing our backdoor roth - I do not know about mega backdoor roths but can look into it and see if company offers. But is this...
View ArticlePersonal Investments • Re: What Fidelity money market fund has the better...
Would you owe state taxes on the 10% of FDLXX that wasn't USGO? This shows it was 90% federal income: https://www.fidelity.com/bin-public/060 ... Letter.pdfGood catch. But I did have to make a slight...
View ArticlePersonal Investments • Inhereted IRA and RMDs
My wife's aunt passed away in 2017 at age 81.My wife inherited from her an IRA.I do not know if her aunt was taking RMDs at the time of her passing, but it seems likely given her age.From what I can...
View ArticlePersonal Investments • Re: Die with Zero - opinions?
There is a lot of criticism of the book in this thread based on the title. One interesting thing to me is that while the book is short on the quantitative details loved by BH it does provide a rough...
View ArticlePersonal Investments • Re: DJT shorting?
They care because the largest shareholder needs the price to stay high long enough for the lock-up period to end. I see what you did there.Statistics: Posted by White Coat Investor — Fri Apr 19, 2024...
View ArticlePersonal Investments • Re: Considering Schwab
Across 6 accounts we have 6 cents in the low-yielding FDIC settlement account. It keeps me on my toes to move any idle to cash to stock/bond or money market positions, but it doesn't happen very often...
View ArticlePersonal Investments • Re: Fidelity vs Vanguard expense ratio on FSKAX vs VTSAX
hi, We are just getting started on our bogleheads investing journey , got late start with bogleheads, wife and I in our early retirement,we are moving from brokerage managed account with high fees to...
View ArticlePersonal Investments • Re: Looking for reassurance with portfolio choices
55/45 stock/bond? At age 75, do you need to take that much risk. Do you need to take risk?I own zero stock, but if I did, I would only own VTI because it covers all stocks and the expense ratio is...
View ArticlePersonal Investments • Re: ELI5, treasury bond buying opportunity?
I appreciate the advice. I am more interested in why Vanguard sees risks in the bond market based on the referenced article so that both understand the article and whether the timing is right. I...
View ArticlePersonal Investments • Re: MidLife Crisis
You know what the problem is? It's psychological. You work at a soul-sucking job for 20 years, you need something to offset the soul-sucking. I dealt with it through spending money on hobbies. I guess...
View ArticlePersonal Investments • Re: Merge multiple solo 401k?
Does your one business sponsor two Solo 401k plans at Vanguard? Or does your business sponsor one plan with either:1) two participants (you and spouse) each with their own plan participant account?2)...
View ArticlePersonal Investments • Help using a retirement calculator
I'm using this retirement calculator and for income required at retirement, I first calculated the minimum I would need in today's dollars (researched what retirees often spend on things then adjusted...
View ArticlePersonal Investments • Re: Surgery Center Ownership Ask, Worth it (Tiny %)?
What communication is happening? Be rational and objective. It's not clear from the original post that questions are being asked to try to clarify OP's thoughts and emotions. For example, what is the...
View ArticlePersonal Investments • Re: Buying a Business- Help with Valuation
Is “made $60k” net earnings, or something else? What was the annual revenue for the last three years? Have you calculated sellers discretionary earnings (SDE) for this business? Many buyers use a...
View ArticlePersonal Investments • HSA Funds Schwab
Hello - I have HSA Bank and when I get new deposits I have them automatically rolled in Schwab HSA. For the last year, I had the majority of my $60k in a 12 mos non callable CD, which expired and now...
View ArticlePersonal Investments • Re: Taxable account VOO & VBR?
It’s not a good idea to hold the same funds in taxable and tax-advantaged, due to potential issues with wash sales if you ever sell for a loss in the taxable account (eg, see Tax Loss Harvesting). Put...
View ArticlePersonal Investments • Re: Purchasing individual GNMA bond?
Investing in individual mortgage-backed securities (MBS) like a GNMA can be difficult to navigate. Prepayment of principal is difficult to predict. When interest rates decline borrowers often...
View ArticlePersonal Investments • Re: Can I withdraw from 401k and transfer to my Roth?
I think I am beginning to get it...If I put 10,000 for example in B31 for Roth conversion I would get back $728 tax refund based on my $4491 witholding. Is this correct?If you withheld $4,491, and now...
View ArticlePersonal Investments • Re: Berkshier Hathaway vs voo or vti in taxable account
To OP:Starting early is a great advantage. Yes. I forgot to complement younginvesting on his great start. I was working through a lot of the same issues when I was 32 as he is working through at...
View ArticlePersonal Investments • Re: Change Target Fund now?
Thank you all. I've been in a "set it and forget it" mode for over 30 years and this was maybe the only situation where I found myself possibly trying to time the market. I'll just proceed with my...
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