Personal Investments • Re: Recommendations on building an income ladder for 5...
My mom is in a memory care facility and we are trying to structure her traditional IRA from a 3-fund portfolio into an income ladder to take out most risk to pay for the next 5 years of care until she...
View ArticlePersonal Investments • Re: Taking student loan vs use personal fund
Sounds good, thank you!Historically, there is about a 50% chance that the SP500 will return annualized rates of 6.95% over a two year period before taxes, investment fees, etc. I wouldn't take this...
View ArticlePersonal Investments • Re: Fixed Index Annuity Question
I had not realized that Allianz was involved in a class action lawsuit. A federal jury ruled last year that Allianz Life Insurance Co. of North America, the nation's top indexed annuity seller and a...
View ArticlePersonal Investments • Asset allocation
We are inheriting about 10% of our net worth. The asset is in foreign cash (~75%) and RE.We have been following 60/40 and 30-40% international allocation for many many years. Now the allocation is...
View ArticlePersonal Investments • Re: Purchasing an crane at auction to flip at a better...
I'm late to the game but i would of said be careful of what you think it will be worth at auction and the taxes paid. I flipped a bobcat. it was a running farm bobcat that sat out in a field when not...
View ArticlePersonal Investments • Re: 529 Strategies
If you think there's a decent chance you're overfunding, my default advice is to stop contributing. I would rather take the "tax hit" of some portion of underfunding a 529 in exchange for better...
View ArticlePersonal Investments • Re: vipsx (TIPS fund)
TIPS are bonds. As with all other bonds, they have a known return if held to maturity (for TIPS, it is a return above inflation), but over shorter time periods, they are subject to rise and fall with...
View ArticlePersonal Investments • Re: Will the Fidelity Sharks Go After My Wife When I...
I will say what I say on every post like this. The first time your wife can’t reach Vanguard on a weekend or Vanguard takes away messaging for PAS customers (if they haven’t already) she will run into...
View ArticlePersonal Investments • Re: Vanguard Personal Advisors
It seems you've reached the boundary of how customizable their portfolios can be. You should detail your goals and entire portfolio plan to this forum if you want detailed feedback on your ideas. I...
View ArticlePersonal Investments • Re: Took a leap of faith, now need your guidance REVIEW
So I have decided to purchase VTI in my Roth IraAccording to a few of you I should be looking to purchase any international stock in my 403B instead of roth or taxable. I was planning on splitting VTI...
View ArticlePersonal Investments • Re: Opinions on 90/10 Portfolio by Warren Buffett
Savings rate significantly affects the need to take risk. If you can save a lot, you don’t need to take as much risk. If you can’t save much, you may need to take more risk.You may be equating stocks...
View ArticlePersonal Investments • Re: Ca Teacher: how to convert/switch American funds...
I am a California teacher, near retirement. Question: how do I convert American funds to Vanguard? Or, should I?Where and what type of account is the funds held in?I think California teachers have...
View ArticlePersonal Investments • need help with t bills and 10 year ladder
I'm 71 and have been Buying CD and T-bills. I have 250000 do May and also June.I'm looking at making a ladder out to 10 years, t bills and CD.My plan is to buy 50000 6 months and then take another...
View ArticlePersonal Investments • Re: Fidelity CD ladder-am I being paranoid?
I am happy with Fidelity and was going to set up a CD ladder with them. When I saw the banks (Bank of China and Bank of India) I did not complete the transaction. They showed FDIC so I guess no risk?...
View ArticlePersonal Investments • Re: Deferred Income Annuity for children
Maybe I misunderstood your comment because I As for taxable funds, is there a benefit in using a variable annuity (ordinary income tax rate) when an individual could maintain those holdings in a...
View ArticlePersonal Investments • Re: Accruing Significant Wealth from Modest Beginnings?
When you were allocating 10% and 20% of your first salary to invest in index funds, how certain were you that you would be able to retire in 20 years and become a significant asset in 30 years? I'm 40...
View ArticlePersonal Investments • Re: Target date fund in a taxable/brokerage account
Target funds give you less ability to manage taxes. It is probably not a disaster to do it, but you will likely have capital gains distributions at some point that you might not otherwise have.What is...
View ArticlePersonal Investments • Re: How to diversify Roth Conversion with limited $$
I agree with the others that you don't need to worry about diversification beyond picking a single broad market fund (like VTSAX), although a target fate fund that adds broad market international and...
View ArticlePersonal Investments • Re: Can I retire at 59?
Does your pension have a survivor benefit?Www.opensocialsecurity.com provides a recommendation on when to take Social Security.My pension has a slightly reduced survivor be benefit.Statistics: Posted...
View ArticlePersonal Investments • Re: Cleaning up micro balances in funds at Fidelity
This being 2024, transactions are done over the web, not by calling.I have had few-cents transactions go through, and a 1-cent transaction that would be accepted but never executed, simply ignored...
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