Personal Investments • Re: Approaching retirement: should I take a 403b tax...
I would absolutely roll as much as you need to get all non-refundable credits (if applicable).For example, I have been slacking and losing some of my Child Tax Credit because it only negates tax paid....
View ArticlePersonal Investments • Re: Best Retirement Calculator
One that can entertain Roth Conversions....That choice boils down to the marginal tax rates on conversion in "this year" vs. the marginal tax rate to withdraw/convert in a future year.See Whether,...
View ArticlePersonal Investments • Re: No more bond funds please
I would absolutely agree! If those were the only two goals, but they're not. You missed this goal: "(3) an account that my 75 year old better half can manage easily upon my demise!", which is why some...
View ArticlePersonal Investments • Re: large portfolio review
...it’s also important to think about simplicity too as I get older.I think for now Roth is fine as I just rebalance 4 times/year when dividends come out and I can do so in minutes but perhaps I’ll...
View ArticlePersonal Investments • Re: 401k Advice- New to the game
... They have 2 options, traditional and a Roth 401k. I lean toward Roth just because I would rather pay taxes now than later. ... What say you? Thank you!!Welcome to the forum. Making the Traditional...
View ArticlePersonal Investments • Re: how to retool savings to benefit sole-heir daughter?
klangfool: gak. you could very well be right. paying off her mortgage -- i just thought it'd be a nice thing to do, since i don't really need the money. to a certain degree, it'd suit me better than,...
View ArticlePersonal Investments • Re: VBTLX Price in response to interest rate cuts
I think the points are added or subtracted based on the difference in interest rates for the two currencies at the point on the yield curve corresponding to the length of the contract.Yes, but I am...
View ArticlePersonal Investments • Re: Asset Allocation - Do You Include Cash?
Ditto, I do not count my house as part of net worth.KlangFoolI think Real Estate is a topic for another thread, but it would be a good one. I would be shocked if that has not already been covered in...
View ArticlePersonal Investments • Re: Bonds vs Money Market in the Current Environment
Phrases like "the current environment" are invitations to market timing, no matter how they are phrased. In the long term, one would continue to expect that core bond funds (intermediate-term) would...
View ArticlePersonal Investments • Re: Starting investing at 55 years old
Guideline seems to be popular here for Solo 401(k) accounts: https://www.guideline.com/.Statistics: Posted by GAAP — Sat Jun 29, 2024 11:16 am
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Personal Investments • Re: Vanguard Dividend
This is the first time I've seen equity funds post in the following month - odd but won't change the tax reporting so ...Makes me wonder why Vanguard is making this unprecedented (seems like) move. If...
View ArticlePersonal Investments • Re: Retiree IRA minimal tax
I don’t spend a minute worrying about how much our Social Security will be taxed. I focus on the fact that at least 15% of it will never be taxed. It will have no impact on our long term financial...
View ArticlePersonal Investments • Re: Custom beneficiary for Traditional and Roth IRAs...
I am aware that Vanguard requires uniformity by account type in terms of beneficiary designation. ^^^ This hasn't been my experience at Vanguard. My Roth IRA has different beneficiaries than my...
View ArticlePersonal Investments • Re: Husband and wife with different risk profiles
The frown was for the uninvolved spouse...Uninvolved is better than argumentative.About uninvolved: I threw a safety net under it all by signing up with PAS -- not for their advice but for their...
View ArticlePersonal Investments • Re: Vanguard June dividend
question, if I were invested in the ETF equivalent (not sure if that's VTI or VOO), I would also get the same dividend?Vanguard ETFs will have their own (similar but not identical) record, reinvest,...
View ArticlePersonal Investments • Re: How to decide which Mutual Funds to sell first?
It is worth waiting if the gain is significant.To me it appears more complicated, but let me know what am I missing. Let's take your example of 20% capital gain, say on ETAGX (the first one in the...
View ArticlePersonal Investments • Re: Was too conservative at 50/50. How to transition...
I've been at 50/50 for decades...am satisfied with my returns...been retired for 13 years! Make a reasonable decision for yourself and stay the course, you have alot of time ahead of you!Statistics:...
View ArticlePersonal Investments • Re: Your opinion please
Interesting that you would put Edward Jones and Fidelity in one line. The former is a rip-off; the latter is legit and is not "higher cost" at all. You can manage your own portfolio.To the last...
View ArticlePersonal Investments • Re: Inflation Protected Investment
Another vote for a TIPS ladder. (Rather than a TIPS fund.) Globs of money sit around earning decent interest, and every year or twice a year some of it spills out. If you make it just a little bit...
View ArticlePersonal Investments • Re: Portfolio Guidance / Early 40's
Couple of comments and thoughts ...Debt: House (345k principal remaining, 2.625%), Car ~8k / 0%. No other debt.With 2.625% mortgage rate and $345k balance, your mortgage interest is just barely $9k....
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