Personal Investments • Gifting between spouses to get 100% stepup
Retired in common law state which only allows 50% step up of assets upon death of spouse. Have assets that have grown more than 10 fold in value.Considering gifting assets to spouse who will likely...
View ArticlePersonal Investments • Re: Gifting between spouses to get 100% stepup
Correct web site kitces.comStatistics: Posted by BuzzyQ — Sun Jul 14, 2024 2:26 pm
View ArticlePersonal Investments • Re: Portfolio Review for MIL
Your MIL has $256k in the emergency fund (EF) and portfolio. Based on your comment that the EF of $41k covers 6-9 months of expenses, that means her funds will be exhausted in 3 to 4.5 years.Based on...
View ArticlePersonal Investments • Re: Fixing investment mistakes - seeking advice
Thanks for this response.2) Do my allocations seem appropriate for my age?I think 5% in bonds at age 45 is low. Same with 35% at age 70.What do you think is an appropriate bond percentage for a...
View ArticlePersonal Investments • Re: Do I need BNDX Total Int'l Bond Index?
I’m talking about absolute negative interest rates. https://www.investopedia.com/articles/i ... s-work.aspI’d like to know more about the real world experiences of such negative interest rates. The...
View ArticlePersonal Investments • New Windfall - Portfolio Recomp Advice Please
My wife and I are 31 and 29, just had a child, and we plan on having at least one more.I recently sold shares of a private company on the secondary market to the tune of around $300k. We'd like to...
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Personal Investments • Re: Tax Efficiency - Funds Placement? Portfolio Review
Edited original post to include full info for Boglehead’s review....Desired AA is anywhere between 60/40 and 70/30.Portfolio: ~$1.3MTaxable: $761k VTSAX and VTIAX; VTI and VXUS (65/35) His and...
View ArticlePersonal Investments • Re: Needing advise on how to redistribute RSU/ESPP...
Does it mean reasonable sense to sell these 4 company RSUs/ESPP to a point, I get to <15% of overall assets ?The general advice is to have much less exposure to individual stocks, especially...
View ArticlePersonal Investments • Re: Empower retirement calculator accuracy
I use it and it compares similarly to New Retirement and the Fidelity retirement estimator. I would use multiple calculators to see if they are simlar for you. If you wan a more detailed estimation, I...
View ArticlePersonal Investments • Re: Locking in VTSAX market gain?
I’m considering selling $20k in my Vanguard Roth and using proceeds to buy brokered CD at Allied Bank to mature in JAN 2025.My motivation is to lock in a small portion of the YTD market gain.Would...
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Personal Investments • Re: Are we done saving for college?
Hi B-H!I got a surprise bit of good news, and I think we are done saving for college (or close to it). I thought you’d have helpful perspective. Our 3 kids are 6, 4, and 2 (and we’re not having any...
View ArticlePersonal Investments • Re: Why I am thinking of not doing Roth...
The pre-tax left un-touched might grow to $800k+ in 13 years and RMDs could grow to over $60k / year. That amount could bump you into the next tax bracket.I don't think you are accounting for...
View ArticlePersonal Investments • Re: UHNW Situtation
It might help to reframe your thinking- you don't have $27M of that stock- you have whatever the post tax value is. If it were all long term gains, then you have 80% of $27M or $21.6M, minus whatever...
View ArticlePersonal Investments • Re: Vanguard federal money market vs total bond index
Are you implying this means cash will beat bonds over the long term? Because that’s actually impossible. If short term t-bill rates are always better, nobody would risk longer bonds. Which means...
View ArticlePersonal Investments • Consolidate 401k's into IRA?
DW has three 401k's from previous jobs, all in 6 figures. ERs are very decent and there are no maintenance fees, two at Fidelity, one at Vanguard.We're 56 and the last 401k meets the rule of 55, but...
View ArticlePersonal Investments • Re: Should I keep my paycheck/liquid assets in my Mega...
Sorry, I don't think I was super clear and got a little long-winded. I have already maxed out my Roth IRA and Pretax 401k for 2024. I currently have my payroll elections putting 50% of my income (all...
View ArticlePersonal Investments • Re: Consolidate 401k's into IRA?
DW has three 401k's from previous jobs, all in 6 figures. ERs are very decent and there are no maintenance fees, two at Fidelity, one at Vanguard.We're 56 and the last 401k meets the rule of 55, but...
View ArticlePersonal Investments • Re: Early Retirement Asset Allocation - Too Much Cash?
With something like a 1.6% planned withdrawal rate (before you even get to social insurance), precise portfolio optimization really is not a high stakes question. I would personally be more inclined...
View ArticlePersonal Investments • Re: Helping my mom with finances
How heavily embedded are you in her financial affairs? Do you have POA or thinking of getting a POA to handle some of this directly for her? You should be aware that Vanguard is very difficult to deal...
View ArticlePersonal Investments • Re: Fixed income/cash in taxable
Does it have to be in taxable? Say you have $1M taxable and $1M tIRAYou could invest in SGOV or similar in the IRA and have it tax deferred.If you ever need cash, say $45,000 for a new car, sell...
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