Personal Investments • Re: Newbie Do we have enough to retire and how
Combined SSI: $3000In fall we will have a combined $1mil from the above in cash when the house sells. Will we be able to retire and how should I invest this?Husband 73Me 68It all depends on how much...
View ArticlePersonal Investments • Re: Stressful job, can we FIRE?
Op,It might extract a high price from you to stay in your current job for 3 to 8 years longer, so it behooves you to reflect and weigh up such a cost benefit - yes even at the expense of your dream of...
View ArticlePersonal Investments • Re: Roth IRA basis question: no direct contributions,...
I have moved roth iras many times over the years and never once had a custodian want to know about the basis.Statistics: Posted by placeholder — Tue Jun 04, 2024 1:11 am
View ArticlePersonal Investments • Re: Full Scholarship - What to do with 529?
Lots of good advice. Thanks.To answer a few questions. It's about 100k in the 529. Started it 17 years ago. Looks like it qualifies for the Roth conversion. So that will be a good chunk. I guess leave...
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Personal Investments • Re: 401K vs ESPP
The joke among us engineers is that we would contribute 100% of our salary into ESPP if we could (and meanwhile, borrow the six months of living expense from the bank). Alas, my current stinking...
View ArticlePersonal Investments • Re: Recommended Book(s) in Preparation for Retirement
Not books, but some links you may find useful:Open Social Security: Free, Open-Source Social Security CalculatorWithdrawal methods - BogleheadsRoth conversion - BogleheadsStatistics: Posted by FiveK —...
View ArticlePersonal Investments • Re: Again FIA topic [Fixed Index Annuity]
Looks to be the one-year point-to-point with performance trigger interest crediting method. Note that the trigger rate can change each year of the five year...
View ArticlePersonal Investments • Re: Retirement plan checkin
+1 to posting in the “Asking Portfolio Questions” format. Relook at your estimated annual spend of $100k to make sure it includes everything. Does the $100k of annual spend include income taxes? It...
View ArticlePersonal Investments • Re: Wells Fargo disaster
...The actively managed WF account is run by an outside manager/group called CONFLUENCE (I believe). That manager apparently is leaving and taking his intellectual property with him??...While I am not...
View ArticlePersonal Investments • Re: Bond fund vs CDs
I'm new to asset allocation. I understand that many advocate a mixture of stocks and bonds in the portfolio. I have some $$ after sale of a property and wanted to invest the proceeds. I'm 67 but still...
View ArticlePersonal Investments • Re: Retirement plan gut check for MIL
QCDs are not deductible, AFAIK. However, they are tax-free, which is very useful. (The amount needs to be identified as QCD on the 1040 income tax form.)QCDs can be part or all of the Required Minimum...
View ArticlePersonal Investments • Re: Investing for Mom
Need more information on your mom’s situation to determine the best way to invest for her.I manage my parents money. They are in their mid-80s and are very, very risk averse. I have them in only...
View ArticlePersonal Investments • Re: TSP F fund question
viewtopic.php?t=126127You have a one-fund portfolio, and nothing could be simpler than that. If it makes you happy knowing you've got a pinch of this and pinch of that in your portfolio, all good. You...
View ArticlePersonal Investments • Re: Husband bought big in Nvidia last month ...now what?
If he wants to hold and you want to sell, then the compromise is to sell enough to take out his original investment and he gets to keep the balance in Nvidia.So if he invested $100,000 and it’s now...
View ArticlePersonal Investments • Re: QQQM IVV SPY VUG FXAIX or VTI
I liquidated a bunch of funds and stocks that I don't even know how I came to acquire (well, an "advisor" put me in).So now I am sitting on cash in an IRA (not the worst problem, I know very well),...
View ArticlePersonal Investments • AA (and other) help needed
I am in the process of cleaning up a messy portfolio and here is where I stand:My wife (65) and I (57) will likely continue to work at least for a handful of years, and with investments in real...
View ArticlePersonal Investments • Re: So I fired my financial advisor …
I agree with some of the others that if you have a reasonably diversified set you could kind of think of them as your own fund for now just redirect the dividends to other investments and look for...
View ArticlePersonal Investments • Re: Simple IRA vs Roth IRA vs 401k
Be aware that your new plan if used this year would aggregate with your 401k as far as the total deferral limit:IRC Section 402(g) limits the amount of retirement plan elective deferrals you may...
View ArticlePersonal Investments • Re: Mutual fund to and ETF?
I went to exclusively etfs years ago for ease of transfer between accounts and this has added thousands of dollars to my portfolio through transfer bonuses: viewtopic.php?t=196884Statistics: Posted by...
View ArticlePersonal Investments • Re: Best time of year to pull IRA RMD's?
Couple of other ideas/things to consider when taking RMDs (as I'm working on my Dad's right now):If the brokerage holding/servicing the IRA withholds state/federal tax (at the account holder's request...
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