Personal Investments • Re: Investing a large sum of $$
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%.Taxable brokerage account...
View ArticlePersonal Investments • Re: Simplifying to a single provider
I have used Symantec and think that's fine.I wont buy a Yubikey partly due to lack of desire for a physical key, partly due to past lack of Mac support.And has Vanguard fixed the issue where you can...
View ArticlePersonal Investments • Re: Port review for recent retiree slowly losing acumen?
Thanks for all the responses! Good question on the AA. I think this has been more on autopilot than thoughtful. Generally, I think he thinks the 50% equities is high for his age of 70, offset by the...
View ArticlePersonal Investments • Re: Starting taxable account: basic considerations
Spouse has no significant investments.Max out a spousal IRA each year. https://www.nerdwallet.com/article/inve ... 20an%20IRA.Max out I bond purchases each year for you, your spouse, and any trusts...
View ArticlePersonal Investments • Re: CPI-U adjustment too small on AIG SPIA
I am reviving this thread once again. My mother got her payment for January yesterday (paid at the end of the month for the following month) and it appears that AIG goofed the inflation adjustment...
View ArticlePersonal Investments • How to pay the taxes on Roth conversion
Hello Bogleheads,First time poster. I have just completed my first IRA to Roth IRA conversion. I will pay the taxes with cash I have in a MMA account. My question is how do I go about paying the taxes...
View ArticlePersonal Investments • Re: Advantages of Vanguard cash plus account?
From what I've read it seems to be like a high yield savings account that is FDIC insured. I don't think the rate beats their money market funds so I don't see the reason to have unless you want FDIC...
View ArticlePersonal Investments • Re: how do institutions know funds are pretax?
You make good points about it not being advantageous to get more money in but from the other side: how does the sending institution know I sent it to a 401k and not my checking account?Statistics:...
View ArticlePersonal Investments • Re: Leaving Vanguard
I've used both Vanguard and Fidelity. I think Fidelity is really good but I've also not had any issues at Vanguard. To be fair, I haven't had to call either organization in many years so I can't...
View ArticlePersonal Investments • Re: How to pay the taxes on Roth conversion
IRS DirectPay: https://www.irs.gov/payments/direct-pay anytime before January 16, 2024. I suggest not waiting until the last minute though. I'm probably going to pay on January 10, 2024.Statistics:...
View ArticlePersonal Investments • Re: Funding mega backdoor Roth with non-payroll...
Does anyone know if this is really something that is typically allowed with plans that allow all the other prerequisites for MBDR? It almost sounds too good to be true. It would make MBDR much more...
View ArticlePersonal Investments • Re: Is there a Walkthrough Guide to Overpaying Taxes...
I tried to find this in the Wiki and Forum search but couldn't find a definitive answer. Basically asking how to get an extra $5,000 in I-Bonds through my tax return. I have already purchased the $10k...
View ArticlePersonal Investments • Re: TIPS in IRA two ways
I corrected my previous message after some thinking. Let me know if I understood your message.Thanks.Statistics: Posted by marginal — Sat Dec 30, 2023 3:07 am
View ArticlePersonal Investments • Re: Need Help, 29 Year Old
The cash is sitting in a preferred savings right now gettin 5% a year. There is no downside aside from inflation, real return on this right now is about 2%. What happens when the feds cut interest...
View ArticlePersonal Investments • AVUV
I have some money available and consider investing in a U.S. small cap value (AVUV). The addition would fall within my IPS, and would be <10% of my equity portfolio. But I have never invested in...
View ArticlePersonal Investments • Re: AVUV
I am curious why you asked this question. Have you been reading about it lately? Every company in AVUV is held in your total market index fund, so AVUV would not give you further diversification.It...
View ArticlePersonal Investments • Re: Questions from Experience with (Attempted) TIAA...
Yeah I can see the rationale if withdrawing excess (non-RMD) funds, rollovers, conversions, transfers. But if you are beyond the minimum age and merely receiving just the actual RMD withdrawal amount...
View ArticlePersonal Investments • Re: Vanguard closing mutual fund prices for Dec 29?
Must be a slow day where people are staring at their computer screens waiting for prices to change. I suppose it’s more exciting than paint drying and grass growing.We all want to complete our annual...
View ArticlePersonal Investments • FIRE for 44 year old physician and Investment Strategy
I have previously posted on this forum using a throwaway name but would like to brainstorm again with this forum due to the investment knowledge base of the forum members. I am a 44 y/o MD/MBA making...
View ArticlePersonal Investments • Re: FIRE for 44 year old physician and Investment...
I cannot help you, but I know some people in similar circumstances. They generally sit on boards of charitable institutions and other non-profits. That might be something for you to meet peers that...
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