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Personal Investments • Re: Help 2 Engineers Start a Family (It is finally...
1. How do we best prepare for having a child? Financially, career, personally? a. We both intend to keep working, and we have very demanding jobs. We are pretty nervous about how much a child is going...
View ArticlePersonal Investments • International and REIT funds Schwab.
Hi all I’m 25 years old and have been investing for 3 years now.I use Schwab for investing. In my Roth I carry:SCHF(No REIT)In my taxable I carry:SWISX and SCHH Are these going funds to hold for a...
View ArticlePersonal Investments • Re: 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...
View ArticlePersonal Investments • Re: International and REIT funds Schwab.
My TSP through my company holds some bonds as well.Statistics: Posted by Mikeygaro — Tue Jul 09, 2024 1:28 pm
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Personal Investments • Re: Stay the Course? I'm ready to Bail on Vanguard
The Wall Street Journal must be watching. Here's the headline of an article they just published. 'Vanguard’s Die-Hard Customers Have a Message for New CEO: ‘The Service Is Abysmal’. The article talks...
View ArticlePersonal Investments • Re: *How* to diversify my portfolio?
Some of it's in a Fidelity brokerage ("investment"?) account and some of it is in a "Morgan Stanley at Work" account.For the stocks in the Fidelity brokerage account, would it be better to buy FSKAX...
View ArticlePersonal Investments • Should I hire a wealth management company?
Emergency funds: 2 years of living expenses can be covered from High Yield Savings and checking $133,537 plus $20,593 in CDs at 5% maturing in early 2025 Debt: No debt, pay credit cards in full each...
View ArticlePersonal Investments • Roth conversions to 32%, 35% tax bracket?
In previous meetings with my Fidelity representative, she recommended Roth conversions up to 24% tax bracket. I have 2.7M in tax deferred, and now the representative suggests Roth conversions up to...
View ArticlePersonal Investments • Re: Lost about $200k in stock market now what?
I like the phrase - when you invest money, treat it as if you've already lost it. Therefore, do not worry, you have lost money but gained experience.Statistics: Posted by JovaniBrown — Wed Jul 10,...
View ArticlePersonal Investments • Re: Keeping US Brokerages while living abroad
Thanks for the feedbacks! I will ask the tax specialist we use.You have to get specific (what country, what types of assets, tax agreements). Make sure your tax specialist is a specialist in your...
View ArticlePersonal Investments • Re: Roth Conversion for 73 Year Old
For someone over age 70 (mid/late 70s), does the full RMD need to be taken before a Roth conversion is done?If so, why?Yes, because it is tax law. The entire RMD (which can include a QCD) must be...
View ArticlePersonal Investments • Re: Talk me out of these USAA annuities
First, forgive me if this sounds horribly naive; that's why I'm here. I have filled out paperwork for to annuities - a fixed guaranteed growth with a 5-year term at 5% annually; and a fixed index 7...
View ArticlePersonal Investments • Is IQLT "Close Enough" to an Ex-US S&P 500?
Hi Bogleheads, I'm wondering if there's something similar to an S&P 500 ETF, but on ex US. Found a number of threads here on this, and they mention VEA and friends, which don't really seem similar...
View ArticlePersonal Investments • Re: Roth conversions to 32%, 35% tax bracket?
Ugg. I see their point.Even if you have no income other than the pension and convert to the top of the 32% bracket, that's only about $218k in conversion this year (assuming your expenses are not more...
View ArticlePersonal Investments • Re: sequence of withdrawals during...
So you do agree that making Roth conversions at higher tax rates can make sense?Yes. It's math.Do you agree with the time related chart in the BETR article?Don't know which chart that is, but it...
View ArticlePersonal Investments • VBIAX past ten years performance
From July 2014 through yesterday (approximately 10 years) yield has been 8.0%, cost is 0.07%. VBIAX is a 60:40 model, investing in U.S based stocks and bonds.For my wife and I, this has been an easy...
View ArticlePersonal Investments • Re: Seeking Advice: Retirement Account Overhaul Needed
Thanks for your welcome, @ruralavaion! I appreciate your response. I've replied to your reference questions via "edit" in my original post.Once you have decided on an overall plan for your portfolio,...
View ArticlePersonal Investments • Re: "Diversified" with Total Stock Market...
Funny how people anchor on the peaks and forget about the valleys. If a stock rose by 100x, and then drops in half, the sky is falling, completely forgetting that the stock is still up 50x.Financial...
View ArticlePersonal Investments • Re: Writing off profit in stock A using losses in...
Fairmark writes, "you’re allowed to claim the loss in the year the stock became worthless — but only under a strict rule that poses problems for many taxpayers." Reportedly sometimes you can get your...
View ArticlePersonal Investments • Re: Should I (will you) sell a portion of these highly...
What do you need this/more money for?If all in life you want is to own a private island then let it ride, but if you already won the game then go 90% treasuries and gamble with the rest to satisfy the...
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