Personal Investments • Re: Educating myself, want to catch up. Help appreciated.
What is the interest rate on the "Debt: no debt other than a mortgage of 200k".3.5%Do you have any employees in your business?No just me. Why did you close your SIMPLE IRA and your SEP IRA?Vanguard is...
View ArticlePersonal Investments • Re: Expense ratio and management fee: set them equal...
I am invested in a fund and on the fund website it says "Management fee: 0.28%", and then "Total expense ratio: 0.28%". Is this a trick to make people think they are only paying 0.28% total when in...
View ArticlePersonal Investments • Soon-to-be-divorced portfolio & spending check
My wife and I unofficially separated earlier this year. We are in our late thirties with no kids. We are doing a no-contest divorce and filing all the paperwork ourselves, and agree on every single...
View ArticlePersonal Investments • Re: NewRetirement site questions - Just joined 5/26/24...
The problem with what he suggests is that Portfolio Visualizer recently changed their site so unless you are willing to pay $30 per month the data only goes back 10 years which is not very useful for...
View ArticlePersonal Investments • Re: Annuitize Your TSP - Why or Why Not?
I've been thinking about that with my TSP. I may just split the differences and do a third on Treasuries (mix of G Fund and various other bonds), a third TIPS ladder, and a third annuity. It will...
View ArticlePersonal Investments • Re: Shift future savings from tax-deferred to taxable?
When someone has a large tax-deferred account(s) like this, I like to show them what their RMDs will be like if they keep doing what they are doing. In OP's case, the tax-deferred contributions will...
View ArticlePersonal Investments • Re: Soon-to-be-divorced portfolio & spending check
You have good income and my shoot from the hip perception is that solid savers hit 1M portfolio around 40. You don't say what your financial goals are and when you want to meet them.Regardless, what...
View ArticlePersonal Investments • Re: 401k: Roth or Traditional?
An apocryphal story: two investors, Adam and Bob. Adam invests $10k per year for ten years, and never contributes a dime thereafter. Bob doesn’t contribute a dime for the first 10 years, but...
View ArticlePersonal Investments • Re: Preparing Data For Transfer: Managed (Merril)...
Just saw this so glad someone got the info to you.Thank you very much!Statistics: Posted by monkeytoad — Tue May 28, 2024 12:13 am
View ArticlePersonal Investments • Re: Which fund for Roth IRA at Fidelity?
I’m considering IVV (ishares S&P), ITOT (ishares Total Market) or FNILX (Fidelity large cap zero expense fund). Are ETFs preferable to mutual funds in a Roth IRA?I'd use a total market fund, but...
View ArticlePersonal Investments • Re: 100% in stocks. 15 years to retirement. Too risky?
Can others chime in on the premise that financial planning, in the context of my original question, should be based on the worst 5 to 10 percent outcomes? I understand if this was a spending question...
View ArticlePersonal Investments • Re: Bond Funds - Appreciation or Yield?
If the Fed cuts interest rates, money market rates would presumably drop accordingly, and quickly, as would bond fund yields, no?The Money Market Fund (MMF) will still maintain a NAV of $1.00/share...
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Personal Investments • Re: TLH First Time
I wonder if it's set-up like that because I hold VTI / VXUS and you can't buy fractional shares of ETFs?Thank you for the link and clarification below as well - all super helpful!One can have a...
View ArticlePersonal Investments • Re: Fidelity, Vanguard and Schwab???
I can click on the SnapTicket on the right edge of the window, and enter a trade, without leaving the Positions page. I can click on the right most button (the horizontal lines with a down arrow) for...
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Personal Investments • Re: BND - why so poorly performing
This should be listed as a banner at the top of the website! Never buy investment products you don't understand, even if the popular opinion from Bogleheads is to buy it.Statistics: Posted by Curly —...
View ArticlePersonal Investments • Re: Approximately How Many Total "Accounts"...
CheckingSpending (only because I get 5%, I use it as my checking)SavingsSavingsRothT-IRA401kHSABrokerageStatistics: Posted by Bama12 — Wed May 29, 2024 12:09 am
View ArticlePersonal Investments • Re: Wash Sale Between Taxable and Pre-Tax 401K
Exactly. If 401k’s aren’t included under the wash sale law like pretty much everything else is, why doesn’t the IRS just come out and say that they are exempt? Why keep us in suspense?The irs has a...
View ArticlePersonal Investments • 529 Plan - How much more to contribute?
Hello Bogleheads:My son is 2 and half years old now and the 529 account balance is ~12,000. I currently contribute $500 monthly.By reading below from CNBC:"Using your kid’s current age in years,...
View ArticlePersonal Investments • Re: Fidelity SE 401(k) - Managing Dividends
I was going to say that that asking here was indeed faster but not necessarily accurate.Statistics: Posted by placeholder — Wed May 29, 2024 12:43 am
View ArticlePersonal Investments • Re: What is the percentage to hold in gold?
Some buy it for insurance (in which case 3-10% is considered good enough).Some buy it as a diversifier (Permanent Portfolio would allocate 25%).https://en.wikipedia.org/wiki/Fail-Safe_InvestingSome...
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