Personal Investments • Re: If You Have Most of Your Wealth In The Stock...
Paid off the mortgage on my house. I did have other stocks besides us total market to try to diversify — reit index (VNQ), small cap value (VBR), small cap international (VSS) and total international...
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Personal Investments • Re: Cash allocation in early retirement
I just retired. Seriously, this is the first day of being retired. In preparation, I wanted at least a year's expenses to be in something super safe and liquid "just in case". With CD and MM rates at...
View ArticlePersonal Investments • Re: Preparing for upgrading ibonds
Hey folks - looking to "upgrade" my bonds as mine were purchased when the fixed rate was at 0%. My question is whether I am limited to upgrade only the $10k yearly limit or if there is a way to...
View ArticlePersonal Investments • Re: Bond Funds in IRA account
While dithering about bonds versus bond funds, I encountered this article:https://www.forbes.com/sites/chriscaros ... ae1dd4484dAre there "Of course he/Forbes would say that" nuances that I'm missing?...
View ArticlePersonal Investments • Re: My mother's TIAA-CREF annuity
My mother is 77, retired, widowed, and has an annuity with TIAA-CREF through her long time job. I don't even know where to start. It's tough to decipher the 5 different buckets they have her in, and...
View ArticlePersonal Investments • Re: Hearing Horror Stories that Vanguard Doesn't Let...
I’m currently on the phone with Vanguard. I’m trying to transfer my Vanguard retirement account to Schwab. Vanguard transferred a portion of my account and then sent me an email to call them before...
View ArticlePersonal Investments • Re: Banking
I have the idea that it’s harder to get money out of the savings - different account number than checking and can’t withdraw from ATM. So, savings might have $5K for a week or two, while checking...
View ArticlePersonal Investments • Re: Another TIPS Ladder Question
I'll be rolling over everything to my IRA at the end of June/early July. The question that remains is whether I will be able to roll over what I have in brokeragelink "in kind" to my IRA. That's...
View ArticlePersonal Investments • Re: When do you stop contributing to 529s
I personally question the common assumption that tuition rates will rise at the rates that they have been historically. Enrollment rates have been declining 1.5% a year for almost a decade now....
View ArticlePersonal Investments • Re: Emergency Fund Account
EurekaThanks, T Bills looks great and as you mentioned easy on Fedility. I think that is what I will go with.Statistics: Posted by TheWallRSA — Tue May 07, 2024 12:36 pm
View ArticlePersonal Investments • Re: TIPS in taxable accounts
Any thoughts on the easiest (from a tax reporting and overall management) if you don’t have a good TIPS option in your 401k?I have good options for a regular bond fund, but no real TIPS fund (the...
View ArticlePersonal Investments • Re: when to stop Roth conversion
But is it worth doing the conversions to get bonds into my Roth?Here is something that might help:https://thefinancebuff.com/tax-calculat ... bsidy.htmlchrisdds98, if you take mhc's recommendation,...
View ArticlePersonal Investments • Re: Non dividend distribution tax treatment at Vanguard
So the numbers in the 1099 box do accurately reflect the numbers. Not sure how I would ever be able to see if Vanguard actually lowered the cost basis. Guess I can try and look back at statements over...
View ArticlePersonal Investments • Re: How to buy TIPS at Schwab
THIS was REALLY helpful.We all wish these brokerages had friendlier interfaces...but they are ok once you get familiar.Statistics: Posted by AceSD — Wed May 08, 2024 12:33 pm
View ArticlePersonal Investments • Re: Are TIPS really that good?
I have figured out I CAN buy TIPS in my tax deferred.I had to create a PCRA (personal directed retirement account) and transfer all of my employer MPPP funds to that. From there, I can invest in most...
View ArticlePersonal Investments • Re: Bonds in Taxable Question
Bond fund prices don’t change all that much, so if you had to sell, any capital gains would be minimal.Take a look at 2022 performance. Or even the current YTD performance.Statistics: Posted by lakpr...
View ArticlePersonal Investments • Re: TIPS Surprises?
Many of us unsophisticated investors were surprised when our bond funds dropped in 2022. We did not understand or appreciate how rising interest rates would so dramatically affect our bond fund NAV...
View ArticlePersonal Investments • Re: TurboTax ( or other) tax "whatifs"
I've downloaded the spreadsheet from the Wiki so will take a look at what it has to say about Social Security humps. thanksThere are more than one discontinuity in the marginal tax "curve." One that...
View ArticlePersonal Investments • Re: what do you think of the Proposed investment...
I also think it's weird to get an advisor and then run their recommendations past a DIY forum. If you care enough that you're not willing to just do what the advisor says, you should probably be a DIY...
View ArticlePersonal Investments • Re: Help! Accidental co-mingling of IRA funds
As has been pointed out, because all your non Roth IRAs are treated as combined with respect to IRA basis, it did not matter which account received the non deductible contributions.What you need to do...
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