Personal Investments • Reporting of excess Roth contribuition question
For the retirement account tax mavens, a friend contributed $7000 to their Roth for 2022 but their AGI was over the limit for a direct contribution. This contribution was MADE in April 2023 before the...
View ArticlePersonal Investments • Re: T-Bill calculation question
Thank youStatistics: Posted by Earner67 — Thu Apr 25, 2024 9:48 am
View ArticlePersonal Investments • Re: What to do with Transamerica Annuity?
Thanks all for the input and discussion. For starters I will start to move most/all of the annuity into fixed and/or money market and adjust asset allocation balances elsewhere to offset. Roth...
View ArticlePersonal Investments • Re: Still Trying to Understand Bonds
What about those like myself who don't like cash as a long term investment? Is that seriously a question? As another poster above put it rather bluntly, "Do what you want to do in your own investing",...
View ArticlePersonal Investments • Re: HSA reimbursement after death
I have a large HSA balance but have current expenses to cover the balance. I would like to continue letting it grow but am concern if I die before the reimbursement is done will my heirs be able to...
View ArticlePersonal Investments • Re: Schwab individual 401(k) plans now allow Roth...
Will they allow in-plan Traditional to Roth conversions? TD Ameritrade offered both types , but no in-plan conversions which was a pain.Following up here... anyone who currently uses Schwab know if...
View ArticlePersonal Investments • Re: VTI question
If you believe in total market investing, then this is the total market. The market does have several giant mega caps dominating. If you think maybe the market is behaving irrationally and you know...
View ArticlePersonal Investments • Help me allocate across several accounts
Hi, really great group here and I appreciate the thoughtful suggestions on helping everyone build workable portfolios!!So I have sold nearly all of my individual stock holdings and am now wondering...
View ArticlePersonal Investments • Re: Today I gave up on factor investing
I think #1 is reason enough. I'm in my 40's and have played slowpitch softball for 25 years. in my 20's and 30's before the season, I would get together with guys and take batting practice a few...
View ArticlePersonal Investments • Re: Is it time to sell out of bond funds?
Is PAS supposed to educate investors rather than just manage their investments in a reasonable manner? Genuine question.As others have pointed out, bonds are much more attractive today than a few...
View ArticlePersonal Investments • Re: Talk to me about Qualified Charitable...
Rocinante Rider,All my 2024 QCDs (all were over $1K) were processed by Vanguard on February 6th and on April 14th I received a letter from Vanguard via USPS that a certain $5K check had not cleared...
View ArticlePersonal Investments • Re: US Treasury value lower than 100?
Hi,I just see this:https://pasteboard.co/JaSKS2ArBipy.pngSo if I buy a US treasury bill from the secondary market, I can get about 5% yield on May 2, without having to wait for 4 weeks?BTW: How to...
View ArticlePersonal Investments • Re: Die with Zero - opinions?
Anyone? Of course not. But nobody said anyone and everyone.The statement was made as an absolute, that there is no way. Clearly some people find a way.The absolute statement is correct - there is no...
View ArticlePersonal Investments • Re: Seeking advice on asset allocation
did these answers help?Statistics: Posted by niagara_guy — Fri Apr 26, 2024 10:22 am
View ArticlePersonal Investments • Re: Asset Allocation
OP,1) What is your gross income?2) What is your annual savings/investment?3) What is your annual expense?4) Answer to (2) tells you how aggressive that you need to be in your Asset Allocation.5)...
View ArticlePersonal Investments • Re: Ideal small cap value allocation? - AVUV / AVDV /...
I tilt 40/40/20 myself but don’t necessarily have a good reason for doing so other than living outside the US and wanting a higher international exposure. How large of a tilt to SCV are you...
View ArticlePersonal Investments • Re: Help 83yo leave Morgan Stanley, includes...
83 year old relative asked me to help her leave Morgan Stanley and construct a 3 fund-ish portfolio at Fidelity or Vanguard. I’m including a summary of her portfolio based on the most recent...
View ArticlePersonal Investments • Re: Can anyone invest in TIAA Real Estate?
Only if you or your spouse already has TIAA.Actually I think you might just have had to work for a TIAA-contracted institution, but I'm not sure. I'd ask TIAA.Statistics: Posted by tibbitts — Sat Apr...
View ArticlePersonal Investments • Re: Do you recommend I buy more iBonds?
I buy the full $10,000 of Series I Bonds every year (I don't go through getting them via tax refund). I think of them as a tier of my emergency plan. With your net worth, I think having an emergency...
View ArticlePersonal Investments • Re: What Fidelity fund(s) for taxable?
I've finally run out of tax advantaged space. Looking for recommendations for funds from Fidelity for something like SP500, etc, for taxable investments.I have a lot of FSKAX in my 401k. The expenses...
View Article