Personal Investments • 401K Bond Fund Options - Fidelity
I currently have zero bond exposure in my 401K account. I'm in the process of gathering portfolio details for myself and wife. In the meantime, I want to research bond fund options. Interested in some...
View ArticlePersonal Investments • Re: Tactical Asset Allocation - shift to stocks when...
I've basically been doing this since 2018. I have my normal asset allocation and start shifting more aggressive once there's a 10% drop from the record high. Every additional 1% drop beyond 10% I move...
View ArticlePersonal Investments • Re: Medical Deductions with Roth Conversion
The premium tax credit is calculated based on your MAGI before deductions, so your medical expenses shouldn't affect it.Also, your medical expenses are still less than the standard...
View ArticlePersonal Investments • Re: Mega-backdoor roth in-plan conversion and rollover...
Yes you understand everything correctly.Statistics: Posted by lakpr — Tue Jul 02, 2024 11:43 am
View ArticlePersonal Investments • Re: "Safe" Use of Aggregator?
Keep in mind you are compromising account protection…just read Schwab’s online user agreement. Giving your credentials to a third party voids their Security Guarantee.Right. That was my issue and what...
View ArticlePersonal Investments • Re: 401K Bond Fund Options - Fidelity
You could justify or argue against any of those choices. Sometimes with N choices 1/N in each is a resolution of the dilemma.I personally am partial to using an all intermediate TIPS fund...
View ArticlePersonal Investments • Re: Lost about $200k in stock market now what?
I did similar wipeout in my early 40's. Got educated, moved to index investing, and was able to retire by 55.Read several good books on investing. Blogs and message boards are good, but not enough.My...
View ArticlePersonal Investments • Please help analyzing our portfolio. Retirement is...
Us:55 and 52. One HS student, one college senior.Statistics: Posted by DmitryZ — Tue Jul 02, 2024 12:00 pm
View ArticlePersonal Investments • Re: Stay the Course? I'm ready to Bail on Vanguard
We’re with Fidelity and have been since the early ‘90’s. We buy VG ETF’s in these accounts, no issues. Fidelity has wonderful 24/7 service.My siblings have been VG account holders for 25-30 years and...
View ArticlePersonal Investments • Re: Please help analyzing our portfolio. Retirement is...
The stock was Enron. You know the rest.Yes, I do. At least GE was just disappointing, instead of catastrophic. Regards,Statistics: Posted by retired@50 — Wed Jul 03, 2024 12:25 pm
View ArticlePersonal Investments • Re: Fidelity CMA to pay bill and Vanguard Cash Plus...
Fraud can happen anywhere, and fidelity is no worse than any other bank, I would assume. I would not bother having a suboptimal vanguard cash account when I could just maximize a money market...
View ArticlePersonal Investments • Re: Does AA include Emergency Cash and Current Budget?
So I'm likely getting a little too precise for my own good on my plan %’s. I want to get this retirement thing right, so I'm probably obsessing a little too much on %'s in my plan. You got this...
View ArticlePersonal Investments • Re: Vanguard is threatening forced transition within...
Level 4 says shareholders can deal with either the firm or the fund. Are those of you with VBS accounts able to deal directly with Vanguard mutual funds?Eh, I wouldn’t read much into that. One can...
View ArticlePersonal Investments • Re: Basic Treasury Auction Question
Treasury provides the tentative auction schedule in February, May, August, and November for the next six months.Statistics: Posted by p1db — Wed Jul 03, 2024 12:28 pm
View ArticlePersonal Investments • Long-Term Care Money: T-bills, SGOV, STIP or other?
I have about $250,000 set aside to cover any long-term care needs that my 87-year-old mother may require. I hope to double the amount of this set-aside over the next couple of years. The money is in a...
View ArticlePersonal Investments • Re: To sell or hold Nvidia?
The Bogleheads forum has turned into the NVidia forum. Four threads and counting.The majesty of simplicity. What could be simpler than having all of your money in Nvidia? Sometimes I feel like a chump...
View ArticlePersonal Investments • Re: Talk Me Out Of (Or Into?) A Crazy(?) Investment Idea
Why not consider a CEF such as UTG? Pays monthly over 8% and its distributions are tax friendly(LTCG and QDI). It has a good track record and has comparable returns to the SP500 since it's inception...
View ArticlePersonal Investments • Re: Portfolio Allocation Disarray - Set Me Straight
Base gross income is $185,000k, this is the threshold for all of my retirement projections. The past few years have exceeded $280,000 +. These numbers would not put you in the 32% tax bracket. It is...
View ArticlePersonal Investments • Re: Portfolio Guidance...
OP - Does your school district offer access to the NYS Deferred Comp Plan? It's a 457 plan with rock-bottom fees.Statistics: Posted by Grt2bOutdoors — Thu Jul 04, 2024 12:33 pm
View ArticlePersonal Investments • Re: Do Young Retirees Stay Aggressive?
age 55, 5th year in retirement, my AA is from 70/30 to 90/10 and I over re-balance as needed. I was 100% in stocks until age 50.Out of curiosity, may I ask what your multiplier was when you retired...
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