Personal Investments • Re: The constant never ending debate.
When he's old enough I'll tell my son that a simple 3-fund portfolio in a stock-bond allocation that he's comfortable with is all that's needed. For you, a Vanguard advisor at a much lower price point...
View ArticlePersonal Investments • Re: The market seems unstoppable, and many investors...
Here's the trick.Pick an Asset Allocation that you can hold for 5-10 years if the market crashes next week.Because it might.This is always true.If you're young with a stable job or skills that will...
View ArticlePersonal Investments • Re: Time to go 90/10?
Or is it time to go 30/70? Quit playing once you’ve won the game. At 100x, there’s no right answer, just personal preference.Statistics: Posted by rkhusky — Sat Jun 22, 2024 9:21 am
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Personal Investments • Re: Bond Choices in Taxable
Calif manure bond funds are a good choice, but typically advice is to limit them to no more than 50% of one’s bond holdings.Auto correct is spot on I assumed that WhitePuma has a sense of humor, not...
View ArticlePersonal Investments • Re: Structured Alt Protection ETF's
Now that we understand that the caps, and failure to include stock dividends, can easily cost us more in foregone return than the protection they provide in the down years. We paid about $12,000 in...
View ArticlePersonal Investments • Re: Unhelpful New Format For "Vanguard Watch...
I don't know if anyone else has this issue but my watchlist doesn't even show the NAV from Friday close. It shows the NAV from Thursday's close. I just noticed a few weeks ago that my watchlist had a...
View ArticlePersonal Investments • Re: FRS Plan Choices in 2024
Mid-20's with a tenure-track job. That's very impressive. (Most people earn Ph.D. at of after late 20's assuming Ph.D. is the terminal degree for the discipline.) My ranking of retirement plans is...
View ArticlePersonal Investments • Re: Rebalancing Roths without bonds
I consider it much more simple to do one transaction in one account whenever possible than to have to rebalance each account twice a year.Statistics: Posted by sailaway — Sun Jun 23, 2024 9:33 am
View ArticlePersonal Investments • Re: ways to lock-in gains
Just make your asset allocation a little less aggressive. You want to balance your FOMO against your fear of loss. Maybe 45/55 is right for you now. Don't do anything drastic and don't get suckered...
View ArticlePersonal Investments • Re: VBTLX Price in response to interest rate cuts
Perhaps the most important misunderstanding, and IMHO it's a much bigger deal than convexity, is that price drop = duration times interest rate rise applies to an instantaneous rise in interest rates....
View ArticlePersonal Investments • Re: Maximum Position Size For Nvidia (Or Any Single...
You're in the wrong place for this kind of advice. Try Reddit.Surely even a boglehead does something a little extra to maximize opportunity cost.Nobody knows 'nuthin.Statistics: Posted by DesertGator...
View ArticlePersonal Investments • Re: A few newbie questions for Fidelity (taxable) users.
That's what I was thinking, regarding the cg/dividends. Strategic purchases. I suppose I was picturing monthly distributions initially, but aren't they usually twice a year if that?Bond funds...
View ArticlePersonal Investments • Re: Vanguard - Can't have contingent beneficiary on...
If you can’t hold the fund at other brokerages, you would have to sell and incur taxes. I wouldn’t do that. Can you write the desired contingent beneficiaries in your will?If this account is large,...
View ArticlePersonal Investments • Re: Vanguard Personal Advisor Questions
Perhaps obvious, but when talking with them about PAS about 5 yrs ago (didn't pursue it) it seemed necessary to clarify that their role was clearly advisory (p_A_s) and one could take their advice or...
View ArticlePersonal Investments • Re: Retirement Withdraw Strategies Guidance & Book...
Wade Pfau's two books, "Retirement Planning Guidebook" and "How Much Can I Spend in Retirement", are both excellent on this topic.Statistics: Posted by NewMexicoLinnet — Mon Jun 24, 2024 9:47 am
View ArticlePersonal Investments • Re: Mortgage payoff advice needed
With the TBills you’re probably not losing a ton compared to 4%. Why not split the difference, and pay an extra 50k monthly on the mortgage, and see how you feel in a year?Statistics: Posted by...
View ArticlePersonal Investments • Re: msft versus QQQ
You can do whatever you want. Personally I would not have much of anything in a Single stock. Personally I don’t understand why anyone would use QQQ eitherWhy not VTI? Total market US, or VT, total...
View ArticlePersonal Investments • Re: Backdoor Roth IRA conversion while having another IRA
Yes, I do get a 1099-R form each year. On my latest 1040, line 4a reads 6500 and line 4b reads 0.If you have been reporting like this in recent years, while the IRS routinely misses incorrect 8606...
View ArticlePersonal Investments • Re: What would do you with $1.3M in gains on NVDA...
3) I believe NVDA is a transformational company with a wide moat, a growing TAM and no significant competition at the moment. I also believe that AI - while in a hype cycle- is real and will be viewed...
View ArticlePersonal Investments • Re: Inheritance
Thank you so much for the responses, I'll let him know to speak to an estate attorney. Also, will the gains his ETFs have made be passed to his sibling?Whatever his account balance is at the time his...
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