Personal Investments • Re: 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?for from months to 3 yearspark it where it will have:1 Security of principle (no...
View ArticlePersonal Investments • Re: another portfolio review :)
Wondering if the 0.46% expense ratio for the target date fund is too high and if the better option is FXAIX? Yes. No need to pay that fee.2. For my previous 401ks, I definitely want to roll over the...
View ArticlePersonal Investments • Re: Is it worth keeping a TIAA retirement account?
I would leave the assets in TIAA Traditional and then convert the funds to an annuity at some point, maybe at 65 or 70.Statistics: Posted by finite_difference — Tue Jul 23, 2024 4:22 pm
View ArticlePersonal Investments • Re: HSA Bank eliminating investment options
Anyone have experience with Health Equity's investment option? I recently changed jobs, so went from HSA Bank to Health Equity. I guess I could liquidate and move all to Health Equity to have a...
View ArticlePersonal Investments • Re: Equitable Accumulator Elite advice needed
Hi dmh,I'm in a similar situation and stumbled across this post when trying to figure out options for leveraging this product. My wife's was purchased in Oct 2008 and has performed decently (AV and...
View ArticlePersonal Investments • Re: Is crying allowed? [Portfolio down 4%]
How much of the portfolio is in the individual stocks?Statistics: Posted by gammalaser — Wed Jul 24, 2024 4:54 pm
View ArticlePersonal Investments • Re: Aggressive Roth options for 16-year old
I'm surprised this hasn't shown up: how well will the teenager react to a market downturn?If I had a Roth IRA when I was age 16, and it were aggressively invested, I might not have the fortitude to...
View ArticlePersonal Investments • Re: Where to park cash prior to stock market?
Since you don't know when the pullback is going to be, I would think a money market account is better than a bond. An x-year bond is best when you're fairly confident you won't need the money for x...
View ArticlePersonal Investments • Re: Any value in adding gold or TIPS
If you don't already have some in money market funds or high-yield FDIC savings paying near 5%, they historically would roughly keep up with inflation (except for taxes), and are so liquid they are...
View ArticlePersonal Investments • Re: Need details on transitions legacy platform to...
Details on transition from legacy account to brokerage account: Do mutual funds transitioned remain the same as to re invested dividends and capital gains and any automatic delivery of existing checks...
View ArticlePersonal Investments • Re: Inflation, Fed rate, and Bond ETF Dividend / SEC...
... 'if rates went up a a steady pace'. Could you elaborate? See this post:viewtopic.php?p=6920719#p6920719 How accurate / useful are the SEC yields...My guess is that it's only useful for comparing...
View ArticlePersonal Investments • Re: 59 1/2 - Use Roth or Cash?
gotcha. makes sense. Thanks!Statistics: Posted by Ruleof55 — Wed Jul 24, 2024 5:03 pm
View ArticlePersonal Investments • Re: Cash Balance Plan--Questions
Roll it over Best if your new job will take it in your 401k or if they allow you to roll into any current 401kIf not then ira but makes backdoor not worth doing each year.If you into rollover IRA your...
View ArticlePersonal Investments • Re: Vanguard is threatening forced transition within...
I did transition my mutual fund account to the brokerage account, reluctantly. So all of you who refused and moved to Fidelity or some where else, aren't you now in a brokerage account at that...
View ArticleClik here to view.
Personal Investments • Re: Stay the Course? I'm ready to Bail on Vanguard
I was with Vanguard forever, and over the years there have been various screw ups, such as losing my IRA account once and then accusing me of lying about it. I'm a glutton for punishment. The $100...
View ArticlePersonal Investments • Re: Portfolio Review and Retirement Planning
Thank you, retired@50, for your valuable guidance. I appreciate you taking the time to provide those links. I’ve gone through the wiki pages and found the information incredibly helpful.I agree that...
View ArticlePersonal Investments • Re: HSA Bank eliminating investment options
Do you know how difficult it is to transfer the GEHA contributions at HSA Bank to Fidelity at periodic intervals?I'm not entirely sure, but there is a transfer option within the Fidelity account. When...
View ArticlePersonal Investments • Re: SEP to Roth IRA conversion to start 5-year rule...
Again, if the Roth 401k was qualified, the entire amount of the rollover is treated as Roth IRA contribution basis and can be distributed tax and penalty free anytime. If the Roth 401k was not yet...
View ArticlePersonal Investments • Re: Simple Portfolio Review
I do have one question: Typically how much money do you withdraw from your taxable accounts per year?Aprox 8k per yearHow about an allocation that is 50% stock / 50% bond?$16k Vanguard Treasury Money...
View ArticlePersonal Investments • Re: T+1 settlement, sell/buy VUSXX/Stock the same day...
If you look at your holdings (from the Vanguard Holdings tab), click on a fund you own (e.g. VUSXX if you have it), on the VUSXX summary page it goes to you should see a Buy Sell Exchange in the upper...
View Article