Personal Investments • Re: VG Total Stock Market is Tech Heavy. Any Thoughts...
Maybe the addition of VXF (Extended Market) would help.Statistics: Posted by Clarky — Sat Jul 20, 2024 4:05 pm
View ArticlePersonal Investments • Re: Request for retirement review
Yes, I plan on filling 15% bracket.Statistics: Posted by friendlydave — Sun Jul 21, 2024 3:52 pm
View ArticlePersonal Investments • Re: Are IBonds still a decent investment?
I say not really when TIPS are >2% and therefore nominal yields are higher than I Bonds current yield. I did sell some low fixed rate older tranches to buy the new fixed rate but I'm not increasing...
View ArticlePersonal Investments • Sell Treasury Note before maturity?
Some background: I am 63.5 yrs old and hope to retire at 65 but not sure I will make it all the way to age 65 due to problems at job. I have been cutting expenses and funneling as much income $ as I...
View ArticlePersonal Investments • Re: Please Critique: Investment Strategy with TIPS
What is your long term goal? Spend all your nest egg or leave a bequest to heirs/charity?It's a good question. My wife and I are covered by SS, so the remainder will be heirs and charity. I haven't...
View ArticlePersonal Investments • Re: Inflation Protected Investment
As far as I know, to protect yourself from inflation, it is enough to put money in the bank, but you will not earn anything.Statistics: Posted by JovaniBrown — Sun Jul 21, 2024 4:05 pm
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Personal Investments • Re: Total bond funds and maturity
I’d consider buying a treasury bond ladder or a cd ladder if I didn’t understand a Bond fund. After one owned a ladder for a few years they would better understand why a rolling bond fund like bnd...
View ArticlePersonal Investments • Re: Portfolio check / tax-efficient withdrawal strategies
Thanks very much to all for the helpful responses. I have put my name on the Ferri waitlist, since I think his “second opinion” service is just what I’m looking for. In the meantime, we will stay the...
View ArticlePersonal Investments • Re: Sell Treasury Note before maturity?
You can't compare a risk free investment like treasuries or CDs with a risk investment like equities. Not if you want to stay sane.You will get 5.4% apy on your notes, the same as you would with a...
View ArticlePersonal Investments • Re: Empower 401k asset balance calculation used in fee...
Since I plan to move a large sum through the account at year as part of a reverse rollover into my employer's 401k to avoid the pro-rata rule, I want to have the balance in the account as few days as...
View ArticlePersonal Investments • Re: S&P 500 Index - diversification issues
VTI is Total Market, but the Market by capitalization is 80% Large Cap.Large cap companies actually represent 85% of the total market. (references here and here.)Statistics: Posted by Squirrel208 —...
View ArticlePersonal Investments • Re: MYGA - Help Me Understand This Product
I'm currently reviewing my mother's finances and came across a product that I'm not familiar with - Multi-Year Guaranteed Annuity. This investment is in her Traditional IRA and she is currently taking...
View ArticlePersonal Investments • Re: Back Door Roth with Rollover / After Tax $ in 401K
This is very helpful, we will call later this afternoon and get more info on this. I just got off the phone with my great Fidelity advisor and his manager, and while there is no option to "undo" the...
View ArticlePersonal Investments • Re: 20 years old - should I take out of my savings to...
I like the idea of maxing it for this year. Think about changing your automatic Roth investment to $270 every two weeks.An emergency fund is a good thing to have. If truly needed you could withdraw...
View ArticlePersonal Investments • Re: What's the best option at Schwab for $37K cash, IYO
Given the constraints, I would probably just use a High Yield Savings account or Money Market. You aren't going to get rich on a percent or two on $37K, so I would assume convenience and access from...
View ArticlePersonal Investments • Re: Help With Portfolio Allocation
First time posting here but I was looking for advice on my current and future asset allocation. I’ve always been a set it and forget person with a high risk tolerance.40 years old / single / no...
View ArticlePersonal Investments • HSA Bank eliminating investment options
Didn't see this posted here yet. Not a lot of detail but this doesn't look like a good changehttps://hsabank.com/Members/Investment-TransitionStatistics: Posted by nps — Mon Jul 22, 2024 4:21 pm
View ArticlePersonal Investments • Parking Cash for a Few Months to 1 year
Need to park some cash (mid six figures) want to avoid as much fed / state (CA) tax as possible. What's the best play?Statistics: Posted by atlgenxennial — Mon Jul 22, 2024 4:22 pm
View ArticlePersonal Investments • Re: Receive lump sum pension or not?
I think I would do option 3 if there is confidence that the company will remain solvent throughout my lifetime.Statistics: Posted by Jeepguy — Tue Jul 23, 2024 4:05 pm
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Personal Investments • Re: How to pull off assets allocation change
100% agree, I will switch to 20% bonds/tips when I am 3-5 years out of pulling money out (or put new funds there). Haven’t decided yet, as that is way too far in the future.Our plan too. I'm maybe 2...
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