Personal Investments • Re: Getting ready for decumulation phase
First, congratulations. 1. I recommend doing some bottom up expense tracking. This is because things will change when you retire, some expenses will decrease and some you may want to increase (e.g.,...
View ArticlePersonal Investments • Re: Portfolio Review - Investor with High Anxiety
start at the beginningi also had dozens and dozens of stocks - they all weren't dogs though but i sold 90% of them to simplify things.- if you have individual stocks in a taxable account that are...
View ArticlePersonal Investments • Re: Portfolio Review Please
Once again, thank you all for your time feedback and patience with my questions regarding my portfolioAt this point in time I’m going to do nothing maybe in the new year I will revisit this topic or...
View ArticlePersonal Investments • Re: New SECURE 2.0 RMDs question
Yes I certainly am not a financial professional and I only know enough to be dangerous that’s certain. I’m just trying to put a solid plan in place so we do not regret not doing so later. I think what...
View ArticlePersonal Investments • Re: Wash sale from different brokerage account
Does this apply to 401Ks & Taxable brokerage accounts? It is my understanding that only the amount contributed to a 401K is reported when filing taxes and not the investments in the 401K so would...
View ArticlePersonal Investments • Re: Turning 55 and need a Portfolio checkup
Wouldn't selling the individual stocks create an unnecessary tax liability for me today? I get the process of selling them and then moving into a Total Stock Mkt Fund, but I think I might own $40K or...
View ArticlePersonal Investments • Re: Unable to Withdraw Cash from Vanguard Brokerage...
Does the account have a settlement fund?My approach to getting money from an account would be to sell a security, watch for the money to go to the settlement account, then transfer the money from...
View ArticlePersonal Investments • Re: Portfolio Review and Questions
Emergency fund: 6-8 monthsIf one has a very high chance to find a replacement job in 6-8 months with a comparable income, then this is fine. If not, then this should be funded to the expected duration...
View ArticlePersonal Investments • Re: Gold in taxable
The Sprott trusts are structured in a special way for US taxpayers, that your taxation can be done as capital gains instead of being taxed as a collectables tax. But to take advantage of this, you...
View ArticlePersonal Investments • Re: Is there a sweet spot for Roth conversions?
I have a spread sheet projecting out my tax brackets for the rest of my life. I am age 62 now and will get a moderate sized pension at age 65. I retired at age 59 in 2021. I have unavoidable income...
View ArticlePersonal Investments • Re: Which Cost Basis Method do you suggest for a Newbie ?
Specific Lot ID. With this one you can mimic any other option and change it every sale. The down side is you have to think about it for every sale. Now since you are just starting accumulation, this...
View ArticlePersonal Investments • Re: valueinvesting.io backtesting
I could not for the life of me figure out how to backtest Cash on that site. It was CASHX on portfolio visualizer. Try this site and use CASHX:https://testfol.io/Statistics: Posted by jjgaucho — Tue...
View ArticlePersonal Investments • Re: Is Automatic Investing good ?
I auto invest twice a month. 401k goes with paycheck, and my roth ira on vanguard is set to every 2 weeks. I don't have the ability to lump sum the annual amount. I feel a lot less stress worrying...
View ArticlePersonal Investments • Re: How to treat "pre-tax" and "Roth...
If your plan allows for investments by source, you will see it when you go to change your investments. Not all plans allow this.And while it could be optimized, frankly we don't bother. But then, our...
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Personal Investments • Re: Portfolio review - thank you
1.General thoughts on portfolio? Especially in regards to simplification. (many of the taxable funds have large gains, I am hesitant to simplify those at the expense of generating additional taxes, I...
View ArticlePersonal Investments • Re: Unable to Withdraw Cash from Vanguard Brokerage...
(The money arrived in the account today, with a sale and transfer date of Monday). Random Poster,Now I’m confused, is it working now as a result of the rep’s actions?On Monday, the rep (while on the...
View ArticlePersonal Investments • Re: Roth conversions: Maxing out a tax bracket
I talked to Jason at Planvision today about Taxes and Conversions and he was VERY helpful. Planvision isn't for everyone, but for me it's a solid value for what I pay. (~$100/year after $300 first...
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Personal Investments • Re: 37 year old's portfolio review
I know my allocation is a little all over the map, but I would love to hear thoughts from those with more experience and expertise than me!"Simplicity is the master key to financial success." -- John...
View ArticlePersonal Investments • Re: Please help me allocate 529 funds
I don’t think the juice is worth the squeeze. Wouldn’t be willing to do the paperwork for 1.5% or less on MM for a low balance account for a couple years. I’d definitely de-risk the account. If you...
View ArticlePersonal Investments • Re: Updating my asset allocation
You say it has drifted to about 50:50, but you didn't say what your allocation was set at before it drifted.Any of the three allocations will work in your circumstances. There is no financial reason...
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