Personal Investments • Asset Growth Taxation in Brokerage
Assuming money is held in a Vanguard brokerage account, and invested simply as 60% VTI (Vanguard Total US Stock Market ETF), 30% VGIT (Vanguard Intermediate Term US Treasury ETF), 10% VMRXX (Vanguard...
View ArticlePersonal Investments • Re: Asset Growth Taxation in Brokerage
Unrealized capital gains (i.e. growth) are not taxed nor reported on your tax returns.Statistics: Posted by livesoft — Wed Jul 17, 2024 3:18 pm
View ArticlePersonal Investments • Re: Do I just rebalance now or in phases? Taxable account
All at once seems like a bad idea, too much tax. This isn't reballancing so much as reallocation.Obviously stop reinvesting dividends. I'd look to tax loss harvest somewhere and use that to offset...
View ArticlePersonal Investments • Re: Selling rental property #2
OZ's involve filling out some forms and wiring some money. Then getting K1s every year.It isn't necessarily complicated.It does involve getting loses every year to balance the cash flow. And if held...
View ArticlePersonal Investments • Re: Newly Retired - Would Appreciate Feedback - Market...
If you're scared that things are too high, start buying iBonds. I've always been very comfortable with whatever the market does because I started buying iBonds way back and like now seeing consistent...
View ArticlePersonal Investments • Re: Should we sell bond fund and buy CD/T-bill now for...
It’s a good idea to start building up the cash reserve you want to hold in retirement now.VTAPX can serve as part of the cash reserve. BND can’t, so selling some of it and replacing it with CDs or...
View ArticlePersonal Investments • Re: Are Small-cap Value Stocks / Funds Still a...
Larry Swedroe in a column, "What Happened to the Size Premium?", published on the Morningstar site, argues that "It's still here, but investors may need to venture into private equity to use it." (See...
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Personal Investments • Re: Are we done saving for college?
I tend to view all 529/college savings related threads, as one of the few areas where I personally have some uncertainty in our investments. There have certainly been a few, but I really haven't...
View ArticlePersonal Investments • Re: Vanguard 401k rollover check taking forever
I had a IRA to 401k rollover check get lost in the mail (Vanguard-->Schwab). The market moved significantly upward while I waited. Definitely not fun.Sounds like you've done all you can. In...
View ArticlePersonal Investments • Re: Need feedback on my plan for retirement
Good post, I think this is doable. Providing some things you did not call out in your post:1) Do you plan on having kids? You are only 27 and mentioned a wife, so is that a possibility? Of course,...
View ArticlePersonal Investments • Re: Pay off mortgage to free up room for a Roth...
Tax rates are indexed to inflation, mortgages aren't. At the moment, the inflation rate is higher than the mortgage rate, so you would be paying extra long-term to do this.Statistics: Posted by GAAP —...
View ArticlePersonal Investments • Re: Quick check of my retirement funds
I'll maybe be working forever as I'm the sole provider for the family. 4 kids and wife is SAHM who volunteers and keeps the home life humming along.Or maybe you will be laid off or fired next...
View ArticlePersonal Investments • Re: 1.75% Checking vs. 3% Money Market at regional bank
Open a Chase account and a Chase self directed brokerage. Keep all extra cash in vanguard money market fund which they let you buy and keep for free earning around 5.27% these days. When you need...
View ArticlePersonal Investments • Re: VOO equivalent of Fidelity ETF?
Like many people here, most of my investment is in VOO with Vanguard. My brokerage account with Vanguard is getting close to the max SIPC insurance, $500k. I am thinking about putting some money into...
View ArticlePersonal Investments • Re: Cash at Fidelity
FXDXX has paid off the best for us for cash. Once you start w 100k you can go down from there and then add to it whenever as needed. Great interest rateStatistics: Posted by Lemonaid56 — Fri Jul 19,...
View ArticlePersonal Investments • Re: Help Needed: Finding a Financial Planner for...
Www.hellonectarine.com$150/hrAdvice onlyNo personal experience with them though.Statistics: Posted by southernlucky — Sat Jul 20, 2024 3:36 pm
View ArticlePersonal Investments • Re: Financial Advisor at JPM: Get into bank preferreds...
Recently took a call from a Financial Advisor at JPM pitching their services. He suggested getting out of Short Term Treasuries and into Bank Preferreds yielding over 8% and taxed at qualified div...
View ArticlePersonal Investments • Re: Financial Health Check In
Does the VMFXX also serve as your emergency fund? If so what are your monthly expenses. As in how long can you live off this savings if you lose your job?Statistics: Posted by Jeepguy — Sat Jul 20,...
View ArticlePersonal Investments • Re: S&P 500 Index - diversification issues
In 1973, IBM, AT&T, Exxon, Kodak, and GM made up 25% of the market.And what happened to the US stock market in 1973 again?A 45.86% drawdown over the course of the subsequent two years.Statistics:...
View ArticlePersonal Investments • Re: VTIAX in tax advantaged account?
I would prefer VTI to ITOT but only slightly. The Fidelity mutual funds may distribute capital gains at times, so generally are less tax efficient than ETF alternatives.Statistics: Posted by Northern...
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