Personal Investments • Re: Purchasing MYGAs (multi year guaranteed annuities)...
Today marks three years since I started this thread. It’s proved to be a long-lived thread. It’s received almost 2100 posts and over 250,000 views since 12/31/2020.The MYGA market has changed a lot...
View ArticlePersonal Investments • T Bills or VUSXX? when/duration?
Hi I am deciding if I need to keep my funds (~10% portfolio - EF, fixed income etc.) in VUSXX or move to T-Bills?I don't need most of the monies for 3 months or soShould I keep in VUSXX or better to...
View ArticlePersonal Investments • Re: T Bills or VUSXX? when/duration?
-when (among announce/auction/settlement dates) does the funds need to be in settlement account for the T-bill auction buy order to go through?-what happens if funds not present in settlement fund by...
View ArticlePersonal Investments • Re: 2023 was a retired investor's dream
Not retired. Started investing in 1996. The two best periods of my investment lifespan were 2000 and 2008. I did not get the boot at work and was able to continue saving and investing. It sure did not...
View ArticlePersonal Investments • Re: International / Small Cap allocation questions
Your 401k did not give you ETFs to pick from they gave you mutual funds. They are different but let’s ignore that now. You did not give the expense ratio for the Russell 2000 fund, that is essential...
View ArticlePersonal Investments • Re: Active vs. Passive Small Cap Value ETFs
I chose AVUV instead of VBR due to the fact that VBR has significantly more exposure to mid cap than AVUV. Take a look at the Morningstar style box of both funds. In my opinion, if you really want to...
View ArticlePersonal Investments • Re: Holding cash outside of bank
Has there been instances of vendors not accepting cash? There are discussions recently about stores not accepting cash because they turn cashless but I haven’t heard of them not accepting cash due to...
View ArticlePersonal Investments • Re: Am I missing out on any investment vehicle ?
One suggestion is to payoff the mortgage, especially by the time your kids start college. Not having to cash flow both the mortgage and kids education simultaneously would help a lot.It seems like a...
View ArticleClik here to view.
Personal Investments • Re: Portfolio advice for already retired
Hello, I’m looking for advice on my portfolio. My wife and I are 75 and retired. We own our home and have roughly $15k in savings. We also have a $100k revolving line of credit. I have an Ira of about...
View ArticlePersonal Investments • Re: Taxable vs 457b specific fund allocation
[quoteAre you planning to contribute to a personal IRA, either traditional or Roth? What about your spouse?[/quote]My wife is not currently working, therefore; only my contributions are going into a...
View ArticleClik here to view.
Personal Investments • Re: Emergency Savings
Dear Bogleheads,Long time follower with a question.I have 8 months of emergency savings, more if I take out non-necessities. This cash currently sits in a money market account at my local bank making...
View ArticlePersonal Investments • Re: Rollover close to retirement?
Can your current 401k plan allow roll in from previous employer 401k? If your intent is to consolidate, I recommend consolidating into the current plan. Apart from ERISA protections for 401k plans...
View ArticleClik here to view.
Personal Investments • Re: Is this mega roth? Company offers $16k work...
Thank you everyone for your help. This was indeed a mega-back door Roth option and my brother now has it set up for contributions and automated in plan conversions. A great set it and forget it...
View ArticlePersonal Investments • Re: Porfolio Post
consider to simplifyStatistics: Posted by Rjhasti — Mon Jan 01, 2024 6:28 am
View ArticlePersonal Investments • Re: 47yo looking to retire, $3.7MM, VHCOL (NYC)
Some college friends and I have discussed starting our own small scale real estate development and design practice, but we were never able to make the numbers work in NYC - I think something like that...
View ArticlePersonal Investments • Re: 401k contribution
Tax filing status plays heavily into that decision.If that $200k base pay is total household income, and MFJ, it places you in the 22% tax bracket. Even with the 10% annual bonus you would still be in...
View ArticlePersonal Investments • Re: Portfolio review please
Q1. The inherited Taxable account is $700k, you want $100k in cash for home renovations. If you invest the remainder in equities, the account’s stand-alone asset allocation (AA) would be 86/14. Your...
View ArticlePersonal Investments • Re: BND or Stable fund
From the time I developed my portfolio in 2007 I was 50/50 bond index and stable value but recently with the inverted yields I moved the 50% allocation out of the 401k to an ira (retired so no...
View ArticlePersonal Investments • If you retired using the 4% rule and the market...
Would you redo the 4% draw down figure based on the 50% lower value of the portfolio or keep it the same?Assuming this happened (the immediate 50% drop) it would probably mean you end up the in the...
View ArticlePersonal Investments • Re: IRA Portfolio Allocation for Long Term Care
Better rates than that are available on Fidelity's site. I've bought some CDs recently there that are higher than 5% from a variety of banks. They are still covered by FDIC insurance and this way, I...
View Article