Personal Investments • Re: TIAA Traditional GSRA rate
From my standpoint, I am using my GSRA as a liquid vehicle to hold cash As an alternative to a bond allocation with the plan to eventually move it back to Blbonds when the rate drops well below 5%....
View ArticlePersonal Investments • Re: Bond coupon question
What you are earning on a bond fund depends on what you mean by earn. You will receive distributions from the fund and there will also be realized capital gains or losses when you sell shares of the...
View ArticlePersonal Investments • Re: Re-Assessing Risk at 50
Anyone else out there around 50? What's your risk profile look like?My husband and I have about 15 years to retire. We have just in the past couple years taken over control of our investments. We're...
View ArticlePersonal Investments • Re: Bond allocation in taxable accounts
State municipal bond fund makes sense.You can hold one instead of three.The VWIUX/VTEAX mix is from some tax loss harvesting. You think I should keep everything in California?I would and do. I own all...
View ArticlePersonal Investments • Re: Best way to allocate across different retirement...
My simple, self-managed, low-cost, tax-efficient, basically-3-fund portfolio is held mainly at Schwab.Maximum expense ratio for any single fund/ETF in the portfolio is 0.07% (SGOV).Taxable brokerage...
View ArticlePersonal Investments • Re: Help! High tax burden eating away at accumulation...
Background:Emergency funds: $120k, equivalent to 1 year of expensesDebt: Home: Owe $560k on 30-year @ 2.7%Tax Filing Status: Married Filing JointlyTax Rate: 32% Federal, 0% State (we live in TX)Age:...
View ArticleClik here to view.
Personal Investments • Re: WellCore for 50/50 of Wellesley/Wellington?
After reading this article, I wonder why Wellington Management Company that manages Wellesley Fund and Wellington Fund isn't offer a 50/50 product, say "WellCore Fund". Thoughts?By the way, ChatGPT,...
View ArticlePersonal Investments • Re: Converted to Admiral Shares prior to Application...
Hello. I just converted investor shares of a fund at Vanguard to Admiral shares, after transferring the shares in full from another brokerage. However the cost basis has not been delivered yet by the...
View ArticlePersonal Investments • Re: Too much cash–what to do with it?
I appreciate the gut check. Though I like the idea of being able to access the money at any time, I’m realizing that may be more of an emotional drive than a practical one. And the idea of keeping...
View ArticlePersonal Investments • Re: Merrill Edge TTTXX Blackrock Treasury Fund
My Vanguard 1099 has clearly delineated what percentage of income is from US Government Securities.My Fidelity 1099 delineates what percentage of income is from US Government Securities.Why does my...
View ArticlePersonal Investments • Rollover employer 401k to IRA or Solo 401k?
I am leaving my current employer, with whom I have $200K in a regular tax-deferred 401k at TIAA-CREF. The fund options for the 401k are limited and not the cheapest (0.45% for the cheapest index...
View ArticlePersonal Investments • Re: Worried about vanguard
Do you think you could use paragraphs rather than a wall of text. It's not possible to read a "paragraph" with 15 lines of text. Thank you for considering this.I experienced no difficulty reading the...
View ArticlePersonal Investments • Re: Sold property; where put cash?
To get back to OPs question. If you're not saving for another investment property I'd find a way to get this money into retirement accounts. Your savings there looks a little lean for your age. If...
View ArticlePersonal Investments • Re: Portfolio Review for 30yo
Nice work OP. Do you have access to a mega backdoor Roth plan thru your 401k at work?Statistics: Posted by Wannaretireearly — Sun May 05, 2024 11:47 am
View ArticlePersonal Investments • Is a single global equity fund that holds 486 stocks...
Hello, currently in my 401K I am invested 50% in a US equity index fund that tracks the Dow Jones U.S. Total Stock Market Index (3074 holdings), 20% in an international equity index index fund that...
View ArticlePersonal Investments • Analysis paralysis: taxable account allocation
I’ll try to keep this brief, as I usually give way too many details…I am starting a new job with a small company soon that will constitute a solid raise and a very exciting challenge. The downside is...
View ArticleClik here to view.
Personal Investments • Re: Analysis paralysis: taxable account allocation
Sorry, but asking here will just lead to lots of options that will lead to more analysis paralysis. Just put it all in SWTSX. You can always switch to add other things later.Maybe also quickly delete...
View ArticlePersonal Investments • Re: Is Fidelity a Bad Broker to Use for Buying T-Bills...
You used to have to call...They've recently made it available online.So very easy!Even prior to recently, you could do an online cancellation of buy orders that were automatically submitted by...
View ArticlePersonal Investments • Re: Plan for investing in 3 *future* buckets?
After much reading and thinking, I have decided to use the following strategy for the three main buckets I can invest in. The first two I'm happy with but the last one I'm open to suggestions.c)...
View ArticlePersonal Investments • Re: Roth conversion asset allocation
Using TurboTax desktop I found that converting $48k to Roth would take us to just under the top of the 12% bracket, resulting in tax due of $8,708 and taxable income of $93,003Since the conversion...
View Article