Personal Investments • Re: Help me understand IRA CDs and FDIC coverage
Be somewhat cautious with bank cds in iras and in particular find out what happens when the cd matures as there have been reports of banks rolling it into a new cd of much lower rate or cutting a...
View ArticlePersonal Investments • Re: portfolio review, considering one fund
1. VTI (or VTSAX) is a great choice for taxable accounts. Do not hold target date funds or bond funds in taxable accounts.2. There is some benefit to keeping some money in 529s, but taxable account...
View ArticlePersonal Investments • Re: Out of tax deferred space for fixed income holdings
Are you able to balance by withdrawing from portfolio by only selling stocks?My withdrawals are minimal and are currently just a bit of the dividends so no help there.Statistics: Posted by placeholder...
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Personal Investments • Re: 3 Fund Portfolio After Maxing Out IRA?
No, I am not currently planning to max out the $16k in the SIMPLE IRA- primarily because of the funds available, fee structure and sales charge. But I suppose I don't understand the value in...
View ArticlePersonal Investments • Re: Rebalancing / Preparing for Retirement
If you are not contributing the max to your 401k, you could increase your pre-tax contribution and sell an equal amount of equity from from your taxable account. You can also purchase Series I...
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Personal Investments • Re: placing cash needs
Sure, I think it’s the latter. I feel like I need to add bonds as my allocation has become much more stock heavy than the desired allocation. I can’t think of an emergency that would encompass more...
View ArticlePersonal Investments • Re: Windfall, need a plan to allocate funds
Perfect candidate for SPIAI don't want an annuity.Then in following orderMMFCDMuni ETFVTI ETFStatistics: Posted by yogesh — Fri May 17, 2024 11:16 pm
View ArticlePersonal Investments • NUA (Net Unrealized Appreciation) Reverse
I did a lump sum 401k distribution last week that moved all the company stocks to a taxable brokerage account to take advantage of the NUA tax treatment. However, I am changing my mind. I should have...
View ArticlePersonal Investments • Re: Does anyone else own Gold? Michael Burry just...
This may have been the first time I've seen his name since I saw this movie:https://en.wikipedia.org/wiki/The_Big_Short_(film)The Big Short (film)Highly entertaining movie!In the end they said that...
View ArticlePersonal Investments • Re: Keeping US Brokerages while living abroad
Thanks to those insisting that I should have filled out W9s instead of W8BENs - in retrospect, this indeed doesn't seem to make sense. I will ask our tax specialist (who is also licensed by the US)...
View ArticlePersonal Investments • Re: Is Fidelity a Bad Broker to Use for Buying T-Bills
A small quirk at Fidelity - when a number bills have been purchased over time and the maturity dates overlap, they will start to combine them on the Fidelity system, so instead of having two separate...
View ArticlePersonal Investments • Re: 13 year check-in
Fund new 401k distributions with fixed income, not VFIAX. You also have $100K in the HSA that could be a good fit for fixed income. I think 20% bond allocation for your age and portfolio size makes...
View ArticlePersonal Investments • Re: Where to park $1.8mil?
Go online and set up an account at TreasuryDirect.com link your bank or brokerage account, and put an order in for Treasury Bills and you can have them automatically reinvest as they mature and they...
View ArticlePersonal Investments • Re: 100 % Fixed and Content, a Mistake ?
Thank you for your replies.I have considered what happens when one of us passes and it doesn’t change too much.I have considered adding some stocks by doing a dca with ongoing interest payments and...
View ArticlePersonal Investments • Re: How to fill "missing" rungs in TIPS...
Welcome, Pd.Strategy 1, Overfund 2034 and 2040 now. Buy 3.5x 2034s and 3.5x 2040s. (x=amount you want in each rung). When gap years become available, fund them as follows :2035: 5/6x from 2034, 1/6x...
View ArticlePersonal Investments • Auto Renew US Treasury
Hi,Is it possible to auto renew US Treasury when it matures?In Fedelity, it is possible. But I only have Schwab and InteractiveBrokers account, is it possible to do so in these two?ThanksStatistics:...
View ArticlePersonal Investments • Re: Invest in Market or stay in Cash(Money Market funds)
One of the most freeing things I learned about investing is that the market *will* crash.The stock market will crash.So what?It goes up and down. Sometimes it goes up a lot; sometimes it goes down a...
View ArticlePersonal Investments • Re: Auto Renew US Treasury
With Schwab you can do that for Treasury Bills up to 26 weeks. Note their auto roll basically works like if you did it yourself meaning there is a 1 week gap between maturing and buying another for...
View ArticlePersonal Investments • Re: Why advisor likes corporate bonds vs government?
The Dodge & Cox fund may be a very good fund, but excess performance of a bond fund generally is achieved by taking more risk, not through active management skill.Whether or not total bond is too...
View ArticlePersonal Investments • Re: 200-300k windfall
Good idea to put against that mortgageStatistics: Posted by yogesh — Sun May 19, 2024 11:31 pm
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