Personal Investments • Re: Roth IRA, "unrelated debt-financed income...
I received a note from my brokerage saying this regarding my Roth IRA:"According to IRS rules and based on our records, your margin trading activity generated unrelated debt-financed income (UDFI)....
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Personal Investments • Re: 2.5% withdrawal rate forever?
A 2.5% withdrawal rate should be a sustainable withdrawal rate for a very long time particularly now that interest rates have returned to more normal levels after many years of the Federal Reserve...
View ArticlePersonal Investments • Re: Portfolio review request - can i go to 80% salary...
Questions:1. I have a work benefit allowing me to go to 80% salary and 32 hours per week with no reduced benefits, I don't see any reason why you shouldn't take advantage of this reduced schedule if...
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Personal Investments • Re: REIT's - like stocks or like bonds?
For the purpose of re-balancing our portfolio, should REIT's (in particular, VGSLX) be counted as stocks or as bonds?One way to answer your question might be to look at the historical correlations...
View ArticlePersonal Investments • Re: Should I wait for a stock correction to rebalance...
When I retired, Vanguard prepared a financial plan for me and we decided on a 50/50 asset allocation. We took a total portfolio approach. My taxable account and Roth IRA were mostly in stocks and my...
View ArticlePersonal Investments • Re: T-bills Auto-Roll Question
If you forget to select auto-roll at the time of purchase of a t-bill, is it possible to add that option later? Question is applicable to TreasuryDirect and also brokerages Fidelity, Schwab,...
View ArticlePersonal Investments • Re: CA Resident (Vanguard 529)
CA resident here and my plan for both kids was is Virginia 529. They have vanguard funds and I've been with them for many years. Overall happy.Statistics: Posted by idoc2020 — Sat Jul 06, 2024 12:56 pm
View ArticlePersonal Investments • Re: Talk me into diversifying ... (high tax burden)
While stocks can “open” at a price substantially lower than they “close”, you could put into stop loss orders to eliminate / lessen the downside risk If leaving an inheritance is in the cards you may...
View ArticlePersonal Investments • Re: Asset Location question
Late 30s with 37% marginal tax rate, 0% stateCurrent asset allocation:50% US25% Int15% Bond10% Real Estate Of total investable assets:Taxable 80%Pretax 14%Roth 6%One way to do this is...Taxable54% US...
View ArticlePersonal Investments • Re: September losses
OP may be referencing the September Effecthttps://www.investopedia.com/terms/s/se ... effect.aspThe September Effect refers to the historically weak stock market returns observed during the month of...
View ArticlePersonal Investments • Fixed Income Choices In Workplace 401k
Hi all,Trying to research the options available to me in my 401k is challenging, as 4 of the 5 choices do not even have a symbol. I presume this is due to the fact that these are proprietary,...
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Personal Investments • Re: Rebalancing Between Accounts
His pre-tax 401K60/40 target date fund - 80%His Roth IRASmall cap value fund - 1.6%Her [Trad?] IRA60/40 target date fund - 15%TaxableShort term bonds -1.8%Total Market fund -1.2%Intermediate bond fund...
View ArticlePersonal Investments • Re: Fixed Income Choices In Workplace 401k
Vanguard Inflation-Protected Securities Fund Institutional Shares (VIPIX) (TIPS)Vanguard Institutional Total Bond Market Index Trust (Broad mix of Bonds)Personally, I'd use the Total Bond fund, but if...
View ArticlePersonal Investments • Re: Tax Withholdings in Retirement
We are in our 4th full year of retirement and withhold only from an IRA in mid-December for the full year tax burden. That leaves those funds working longer for us. CheersStatistics: Posted by Silk...
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Personal Investments • Re: Is this a good international fund?
The short answer is - Yes it's a good international fund with a very low expense ratio from a good fund manager. Always leave it to the internet to complicate an easy answer Statistics: Posted by...
View ArticlePersonal Investments • Re: gifting $ to adult children in tax efficient way
Bogleheads,Older parents have very generously decided to give money to me and my sibling each year - some amount less than the gift tax exclusion. Their plan is to take distributions over and above...
View ArticlePersonal Investments • Re: A mortgage puzzle
My parents generously fronted $415K in cash so I could put in an attractive offer on a condoDoes "fronted" mean that they loaned you $415K or was that a gift (which they'd have to report to the IRS on...
View ArticlePersonal Investments • Re: Am I making mistakes in my 401k/roth allocations?
Well, I rebalanced my 401k. 70% FXAIX20% VTMNX10% VTBIXI imagine 10 years from now I may just change to 60/20/20, and another 10 years to 50/20/30I'd put it back to 100% FXAIX and leave it alone for...
View ArticlePersonal Investments • Re: REIT's - like stocks or like bonds?
Thank you all for your kind and generous advice!!Statistics: Posted by Opera Lover — Tue Jul 09, 2024 1:18 pm
View ArticlePersonal Investments • What good investment pays qualified dividends?
Currently, I have a large amount of money invested in Vanguard Federal Money Market Fund (VMFXX). Currently, VMFXX pays 5.27%. It is treated as a non-qualified/ordinary dividend. Since I am in the top...
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