Personal Investments • Re: Bank Offered Me 2 Portfolio Investments - What Do...
How do you define gains? Legal taxable income? Or increase in value?And are you doomed if you have even one dollar in gains? I define gains as total household reported income not exceeding $50k a...
View ArticlePersonal Investments • Re: [What Should I Invest In? Bank Investment Plans or...
Lots of folks have offered suggestions but you ask the same question over and over again.Cuz my circumstances are unique. Youre not in my shoes so you dont know my issues. Just VTI your money and...
View ArticlePersonal Investments • Re: Why companies don't allow post-tax 401k contribution?
My employer started allowing this about 3 or 4 years (fidelity manages it). You had to call fidelity to set up the roll over to the Roth 401k (which took about a 5 minute phone call) and then I. The...
View ArticlePersonal Investments • Re: Tax Efficient Asset Location in Low Tax Brackets?
I’ve been reading many threads here about the advantages and (in the opinion of some) disadvantages to tax efficient asset location. It seems like much of these conversations presume a high tax...
View ArticlePersonal Investments • Re: IUL Pros and Cons?
There are only cons. There are no pros.Statistics: Posted by Brianmcg321 — Thu May 30, 2024 10:34 pm
View ArticlePersonal Investments • Re: Where to put extra cash in lieu of Roth IRA?
Thanks! I don't max my Simple, so I'll look into doing that on Monday. I just hit the goal of being able to save 15% of my income into retirement accounts, but up until now, the 3% to get employer...
View ArticlePersonal Investments • Re: 100% in stocks. 15 years to retirement. Too risky?
We don't get bothered by market volatility along the way. We care about the final, spendable, amount. What do you all think? Too risky?Edit:*********Many of you asked for details. Here is current...
View ArticlePersonal Investments • Re: VLGSX - Gut it Out?
Well you know, i (and many others) have a fair bit of VBTLX in our portfolios (either alone or as part of balanced funds), and VBTLX has a fair bit of long bonds in it. So we're all in that same boat...
View ArticlePersonal Investments • Re: Silver Triple Top
Why do you apply logic if it´s clear that markets dont follow any conceivable logic? If they did we had this down to a science and compare a few ratios back and forth and would lean back to count the...
View ArticlePersonal Investments • Place to Open Youth Account/App & Roth IRA
What's a good bank for youth to deposit cash and direct deposit to and there is a brick and mortar bank so they can deposit check and use ATM if needed. Prefer larger bank/not local (so Bank of Nevada...
View ArticlePersonal Investments • Re: Place to Open Youth Account/App & Roth IRA
What's a good bank for youth to deposit cash and direct deposit to and there is a brick and mortar bank so they can deposit check and use ATM if needed. Prefer larger bank/not local (so Bank of Nevada...
View ArticlePersonal Investments • Re: Taking IRA distributions
Thanks for the comments. Stan, a "spending account" is what VG Advisors call the MMkt account where they put the distributions. We could draw from that account anytime w/o going through our...
View ArticlePersonal Investments • Re: Backdoor Roth Question
Is it okay if the amount went into the Traditional IRA under VTSAX and not the Money Market Fund?That is ok but it is even better if you leave it in a money market fund instead, so the value doesn't...
View ArticlePersonal Investments • Re: Husband bought big in Nvidia last month ...now what?
EDIT AT END TO ADD SOME REQUESTED DETAIL: have paid little attention to our investing over the years because I don't find it interesting and thought we were on the same page with being fairly...
View ArticlePersonal Investments • Re: 529 front loading and dollar cost averaging
Given the likely 17+ year interval before use, there is low "sequence of return" risk, so I would recommend lump sum investment into your child's 529. This is what I did, and our main "problem" was...
View ArticlePersonal Investments • Re: Buying A Colorado Ski Condo
Wrong fall, hurt my back, just make sure you can sell it when the time comes.Statistics: Posted by retireIn2020 — Sun Jun 02, 2024 12:50 am
View ArticlePersonal Investments • Re: Tough love needed? Looking for a check in on my...
I will have a pension at that time between 50-60k. My wife will probably go until at least 55, when she'll have a smaller pension because she started later and took time off, ballpark between 25-40k.I...
View ArticlePersonal Investments • Re: Stan the Annuity Man is leading a webinar...
hopefully this is ok to post, if not, mods please delete:Found a webinar on annuities from Merriman's email that Stan (Haithcock) The Annuity Man will be leading, explaining annuities (webinar is...
View ArticlePersonal Investments • Re: Should I care about FDIC or SIPC insurance?
Is there some advantage to not having FDIC or SIPC insurance? Is it that you just can't be bothered to break up your accounts between bank or use a distribution method like CDARS? Yes you are unlikely...
View ArticlePersonal Investments • Re: How does one take RMDs from a TIPS ladder in a...
Assuming everything is in the one account the RMD must be taken from that account. If the account doesn't contain enough cash and proceeds from maturing TIPS it would be necessary to sell something...
View Article