Personal Investments • Re: Guidance on VUL policy
You don’t have it quite right. The point is that simply comparing the cash accumulation within the VUL policy to the cash accumulation outside the VUL policy is not comparing apples to apples. To make...
View ArticlePersonal Investments • Re: Die with Zero - opinions?
I also believe in setting aside an inheritance for my family when I passThe inheritance section is an interesting part of the book. It changed my thoughts (a bit) about giving more while I'm alive...
View ArticlePersonal Investments • Re: Best place to hold cash at Schwab only..leaving...
You aren't compelled to use just one of your three options you identified. I use a 3-bill 3-month T-bill ladder for 75% and SWVXX for 25% in the paired brokerage account that comes with investor...
View ArticlePersonal Investments • Re: Which Bond Fund Should I Use?
You might benefit from reading this wiki page: https://www.bogleheads.org/wiki/Placing ... ed_accountIt describes a helpful method for tweaking your portfolio even if you don't have cash or bonds in...
View ArticlePersonal Investments • Re: Real estate divided. How to determine cost basis.
The property was inherited in 2018. The 2018 Tax assessed Value (TAV) of the whole inheritance (house & acreage ) was going to be used as the appraisal (I know this isnot optimal) for capital...
View ArticlePersonal Investments • Re: Traditional IRA Allocation Advice Fidelity
Welcome to the forum!Most of us don’t know all the tickers by heart, so you may get better replies if you write out a brief fund name for each fund. For instance:FSKAX - Total US Stock Market (I...
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Personal Investments • Re: Best way to TLH: one or two funds in taxable accounts
Spoke with a Vanguard rep, and proceeds of a sale are immediately available to make a brokerage purchase of a different ETF, or a stock if one were inclined to buy individual stocks (I'm not so...
View ArticlePersonal Investments • Re: Asset Allocation after signing up for a house...
OP,You should not buy the house. There will be plenty sleepless night. Good luck!KlangFoolStatistics: Posted by KlangFool — Tue Apr 23, 2024 9:07 am
View ArticlePersonal Investments • Re: Fidelity FXIFX 2030 Target Index Fund
+1 for FXIFX.Statistics: Posted by rkhusky — Tue Apr 23, 2024 9:19 am
View ArticlePersonal Investments • Re: Navy Federal cd vs vanguard money market
Is there a limit to the one time free withdrawal? Can the entire balance be taken out? I read the footnote on the offer and it says:Waived penalty will only apply to the first withdrawal from an...
View ArticlePersonal Investments • Re: Portfolio Review - New investor looking for a...
Welcome to the forum!!I would not overly complicate your investing by selling the 80/20 life strategy fund to get to 70/30- one fund is working for you - keep after it. Go with the life strategy fund...
View ArticlePersonal Investments • Re: Empower and SIU 401K
From that document, the only fees charged by the plan to participants appear to be related to loans and distributions:Participant Services FeesParticipant Loan Maintenance Fee Deducted from...
View ArticlePersonal Investments • Re: End of plan and prob of success
“Failure” is not withdrawing 3.6% instead of 4%, or having to drive a Lexus rather than a BMW.You should check the probability of scenarios you can’t adjust to.Statistics: Posted by Thesaints — Tue...
View ArticlePersonal Investments • Re: Are Tax Managed funds worth it?
The good thing about tax-managed funds is that you might benefit from their tax efficiency now.The bad thing about tax-managed funds is that your future tax situation might change and they'll be less...
View ArticlePersonal Investments • Re: I was gifted individual company stock, what to do...
If I sell now, I'll have significant long term capital gains and would see my tax bracket bump up. On the other hand I could then invest in something with more stability (boglehead stuff)If you sell...
View ArticlePersonal Investments • Re: Vanguard Wealth Management Podcast
Any thoughts, comments would be appreciated. To my eye, this is easily solved by writing a letter of instruction for your spouse and/or discussing it with your spouse beforehand. An IPS that states...
View ArticlePersonal Investments • Re: Please Help with Back Door Roth Actions
I am not really sure that the timing matters? In the example you provided of Form 8606 above, are we supposed to say there is a $200 basis left when the final balance in the IRA is $0? <<...
View ArticlePersonal Investments • Re: Which Bond Fund Should I Use?
Larry Swedroe on risk:Rules 1, 2, and 3 of investing, if no need to take risk, don'tviewtopic.php?p=1372822#p1372822Statistics: Posted by hudson — Wed Apr 24, 2024 9:58 am
View ArticlePersonal Investments • Re: Fidelity CMA mm fund - pays more Jun 15
...For those that use fidelity does their CMA have all the features of a checking account? What’s the downside ?You can't deposit cash and you can't connect CMA with...
View ArticlePersonal Investments • Re: “Pain based” or “investment first” based budgeting...
When working I have variable income. Sorry to Wiggums, but his son’s approach would have not worked for me.The most important thing I can say is, while my income was variable, I had a base spend...
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