Personal Investments • Re: "Long Term" Investing at 70
I've been getting voicemails from a Fidelity rep wanting me to explore investing options with him but I'd rather hear what you all have to say.Smart move coming here. Watch your wallet with Fidelity....
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Personal Investments • Re: Hearing Horror Stories that Vanguard Doesn't Let...
I called back and asked for more clarification. I was told the holds I experienced were only for "new" accounts and the holds aren't new.Funds can only be transferred back to the originating source...
View ArticlePersonal Investments • Re: Trying to stay in 0% cap gains bracket
I'm glad you bring this topic up. My fear is that any money we take out is going to be taxed at a high rate. This topic seems to dampen those fears with my thinking I can take some money from our...
View ArticlePersonal Investments • How to pay for future home acreage
My wife (age 34) and I (35) plan to build on and move to an acreage in 6-10 years. We have five children all at young ages and we currently enjoy the neighborhood life, but think long term we would...
View ArticlePersonal Investments • Re: What to invest in?
Don’t overthink it VTSAX is a better long term holding.Statistics: Posted by wetgear — Fri May 10, 2024 12:42 pm
View ArticlePersonal Investments • Re: CD vs sgov [iShares 0-3 Month Treasury ETF]...
so the dividends in SGOV don't reinvest to be taxed at withdraw of the ETF like a regular stock?Dividends are taxed in the year when you receive them for both the ETF and regular stocks. You can...
View ArticlePersonal Investments • Re: Should every investor (who holds bonds) hold at...
Given that most people paycheck does not increase as per the official inflation rate ...Gotta stop you right there. That assertion is simply false. The BLS maintains statistics for median real (after...
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Personal Investments • Re: Thought experiment
Note, I dont intend to do this but just something I explore with some play money when going to Vegas I did better than that playing blackjack, until too many casinos asked me not to return.Statistics:...
View ArticlePersonal Investments • Re: Family member using asset based financial...
You can go through the exercise of calculating the ERs being paid (they are deducted from the returns so they aren’t summarized anywhere like the fees are)Is this pretty much how all companies handle...
View ArticlePersonal Investments • Re: Which MMF to choose?
If one wants to park emergency fund and other fund, say 100-200K, which MMF to use or should one divide it between different money market funds?No state income taxspaxx vs swvxx vs vmfxx or any other...
View ArticlePersonal Investments • Re: S and P
I use Schwab. What about spy snp? Expense ratio is 0.09%... is that too high? Are the others lower, mentioned in this thread?Once the expense ratio is "low enough" is just doesn't matter.To...
View ArticlePersonal Investments • Re: Financial Advisor - on hourly basis?
Are we only concerned with portfolio management? What about other types of financial advice?Statistics: Posted by GaryA505 — Sat May 11, 2024 12:49 pm
View ArticlePersonal Investments • Re: 64 YO, advisor recomends 70/30 AA
I'm also 64. Single.Have you used ficalc and firecalc? I don't usually rely on just one data source. I've found both ficalc and firecalc to give me more money to spend each year than Fidelity does.I...
View ArticlePersonal Investments • Re: Schwab transfer bonus dilemma
I'll add that there are custodians that will issue a 1099 for a bonus due to an ira transfer but that's because they don't put the money in the ira but instead make you open a taxable account and they...
View ArticlePersonal Investments • Re: Help me transfer Vanguard to Fidelity
What is a transfer bonus that they offer?$1k bonus per million transferred per SSN. No pro rata. You have to hit the next million to get the next $1k.That's not very good and they offered me 1500 and...
View ArticlePersonal Investments • Re: Covering Mortgage Payment: Annuity vs. 30 Year...
Hello all, I am 52 and have about $1.5MM in retirement accounts, roughly allocated 65% stock index funds, 30% bond index funds, and 5% cash. I would like to have an income stream locked in to cover my...
View ArticlePersonal Investments • Re: TIAA "guaranteed" annuity is not all...
McQ, what's unfair? TIAA says, "As long as we are a viable business and you are alive, we will pay you 0.56*D dollars every year, and will probably also pay you 0.44*D dollars too." Other companies...
View ArticlePersonal Investments • Re: Understanding Volatility during Retirement
Thank you so much! And how can I find the cost of this annuity?You enter that in the questions when getting the quotes. In the screen shot I shared, look in the red circle for "Amount".Statistics:...
View ArticlePersonal Investments • Re: Critique my portfolio (please)
I like Tbills also. I did read through the Tax Efficient placement, as a novice...Where should a rolling Short term Tbill ladder, say 150k, be placed in my 22% bracket? Taxable or an IRA? Thank...
View ArticlePersonal Investments • Re: Cash allocation in early retirement
Assuming you’ll have no source of income other than portfolio withdrawals, keep 5 years of expenses in cash equivalents.That should get you through the vast majority of stock market downturns, so you...
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