Personal Investments • Re: Vanguard or Fidelity
Is the only Fidelity TD 2050 option FFFHX?Considering switching from Vanguard to Fidelity, but my current Vanguard TD 2050 VFIFX has an ER or .08% while Fidelity FFFHX is .75%.Statistics: Posted by...
View ArticlePersonal Investments • Re: Has anyone besides me had a Vanguard inbound...
I don't know if this is your issue, but Merrill cancelled an outbound account transfer on me recently because the account was all invested and there wasn't enough cash to cover the $49 transfer...
View ArticlePersonal Investments • Re: Portfolio Review Request
He has been so incredibly unhappy with some job responsibilities that were being heaped onto his plate that I really didn’t think he was going to stay until 62. So we have been making decisions based...
View ArticlePersonal Investments • Re: Maintain W2 SEP IRA and 1099 Solo 401K in Same Tax...
1. Yes. See SEP IRA in the same tax year with w2 401k and ROTH - Bogleheads.org2. Usually intra-company will be faster than inter-company.Also note that it is perfectly legal to do use the backdoor...
View ArticlePersonal Investments • Re: Where to buy/sell physical Gold
A few years ago I shopped around a handful of gold coins from a safe deposit box. I live in the northwest suburbs of Chicago. The best offer I got by far was from the Morton Grove coin shop on...
View ArticlePersonal Investments • Re: Methods to Minimize Taxable Income in Retirement
I would not do Roth conversions while working unless you have a sabbatical or unemployment situation. You will be playing more in taxes now to save on taxes later.Statistics: Posted by aristotelian —...
View ArticlePersonal Investments • Re: If my mother said farewell to her financial...
Figure out your mother's taxable income and take a look at the long term capital gains tax rates [https://www.investopedia.com/terms/c/ca ... ns_tax.asp][/url] It could be she could sell some of here...
View ArticlePersonal Investments • Re: The market seems unstoppable, and many investors...
The only thing I know is that the market goes up and down.I day trade Nokia just before the telecom bust and I learned three things. 1) once you are caught on the wrong side of the trade, you are...
View ArticlePersonal Investments • Re: What to do 10 years before retirement?
Nothing specific at exactly 10 years out, but a lot of activity within that 10 year window as I prepared for retirement:- Even before the 10 years, at around age 50, we shopped for and purchased our...
View ArticlePersonal Investments • Re: 403b mixed traditional and Roth distributions
I have an employer with 403B options in my retirement plan, 403B has traditional and Roth contribution options I have been contributing a percentage of my income pretax and a percentage after tax to...
View ArticlePersonal Investments • Re: 457 (b) plan and special catch up limits - RULES
One thing to know is that after 2025 (i think) the rules on catch-up contributions are changing, in that if you earn $145k or more in the previous year, any catch-up contributions will now have to be...
View ArticlePersonal Investments • Re: Issues at Schwab
Anyone else having problems at Schwab? I was unable to login one day (had to reinstall the app). On numerous days there have been pricing errors. The account values in various areas of the app are...
View ArticlePersonal Investments • Re: Portfolio Review Request and Recommendation
Did you compare your returns to say either VOO and VTSAX ? How much alpha did you create with this strategy?Statistics: Posted by James.534 — Fri Jun 14, 2024 6:52 am
View ArticlePersonal Investments • Re: How to invest cash at Schwab?
However, SGOV price goes up steadily until the dividends are distributed, so when you sold those 999 shares you incurred a capital gain.Capital gains have different tax treatment than dividend...
View ArticlePersonal Investments • Re: Fixed Income and BND
With this background in mind, one of oddities of a certain sort of Boglehead approach is to substitute BND for either cash/TBills or TIPS, but then still treat it as if it was the risk-free asset in...
View ArticlePersonal Investments • Re: [Unwinding a complicated portfolio from our advisor]
Whew! Almost finished with the entire simplification project. All the LPL holdings have been sold, estimated tax money sent to the IRS and two index funds purchased at Fidelity. For our situation, the...
View ArticlePersonal Investments • Re: Appointment with local Fidelity Rep: should I bother?
Yeah, I'm not sure whether "high net worth" was to stroke my ego or not. I don't yet have a million in my brokerage, but I definitely have more than that with Fidelity once I throw in the IRAsDid you...
View ArticlePersonal Investments • Re: Short term/emergency fund options
Savings bonds with extra cash, not to deplete your emergency fund below the level you want because the bond won't be cashable for a year. An easy way to build savings bonds is to get paper bonds as...
View ArticlePersonal Investments • Approaching Retirement Age Milestones: Portfolo Review
Hi All, A review of my current portfolio would be greatly appreciated, as well as adjustment suggestions moving forward. I'd like to better understand if there are prudent portfolio transitions as I...
View ArticlePersonal Investments • Re: Son's First Job - Traditional or Roth 401K?
My son is starting his first full-time job. Basic Warehouse job paying $15/hr, but he gets access to insurance benefits, PTO and it appears, a day 1 401K - 25% match on 1st 6% contributed. He will...
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