Personal Investments • Re: Raspberry's adventures modeling Roth conversion in...
I've come to the conclusion that trying to project Roth conversions beyond 1-2 years is a fools errand. Too many variables. Interest rates, market conditions, changes in tax policy (particularly hard...
View ArticlePersonal Investments • Keep muni funds even though I’ll be in 22% or 24%...
I expect to be in the 22% bracket this year, maybe 24%. I live in NYC and expect my state and city marginal tax rates to be 6% and 3.876%. 2025 fed tax bracket will be 22%. Purchased shares of VNYUX...
View ArticlePersonal Investments • Re: Emergency fund in retirement - yay or nay?
We are trying to keep as little cash as possible. We sell shares of some investments in order to raise cash.I will admit that when both bond shares and stock shares drop, then it would have been...
View ArticlePersonal Investments • Re: Treasury Direct - The Eternal Wait and No Way To...
The service is horrendous. If something does get messed up it will take most of a year or more to fix it. Phone waits are hours. That is why I removed everything from them which took months of course....
View ArticlePersonal Investments • Re: Retirement planning for mom
I also like the Roth idea. If mom were to lose her job, she should try hard to get another. Delaying portfolio withdrawals for a few more years will really help to stretch her assets.Statistics:...
View ArticlePersonal Investments • Re: Paying for future Roth conversion
Where would the money for the savings come from? I would not give up tax sheltered space now for it.Why not use your mutual funds when the time comes?If I use our taxable savings I was thinking I'm...
View ArticlePersonal Investments • Re: Should we start doing Roth conversions?
Pralana...can also auto optimize funds drawdown each year and Roth conversions for each year....One can put full faith in a black box solution, or one can do at least some minimal "does this make...
View ArticlePersonal Investments • Re: Help! Very confused by Fidelity T-bill auto-rollover
Fidelity sends out email exactly 6 days before t-bill maturity. The maturity date of maturing t-bill is same as the issue date of the next t-bill.For 4 and 8 week t-bills, Auto-roll Notice comes 1 day...
View ArticlePersonal Investments • Re: managing fixed income part of portfolio
Thanks, you too!"Big travel" sounds so good and is one big reason I might retire sooner from a job that I actually like a lot.You might checkout some of the companies that can show you things you...
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Personal Investments • Re: Portfolio Review, Messy Now
Thanks for your reply. Please see my responses posted above on what I found on stepped-up basis, tax bracket confusion, and why I prefer in-kind transfer. I have used the same accountant for 25 years...
View ArticlePersonal Investments • Re: My behavioral errors since moving emergency funds...
120/4,000 = 3%. Is there really any risk if you or your heirs don't have timely access to 3% of your portfolio?I suspect the concern is not having timely access to half of the 3% intended for...
View ArticlePersonal Investments • Re: Selling gifted property $$$
I tried to edit the subject line to more accurately reflect my questions. Not an admin, but I believe you have to edit your original post (ie, the first post in a thread) to have the title change.And...
View ArticlePersonal Investments • Re: Setting my kids up for success, help please.
I have three kids just starting out (17, 19 and 21). I want to help them get started for a future of investing because I never did and wasn't taught to at that age. Each of them has opened a ROTH IRA...
View ArticlePersonal Investments • Re: Move ALL my money to Vanguard?
Bingo. Nine accounts total for two of us, but almost all of the MMkts are in tax-deferred. Fortunately, I've been 100% satisfied with Vanguard for over four decades, so combined with the much better...
View ArticlePersonal Investments • Re: Cap1 vs. VUSXX
Always touches upon Which is safer ? An investment which is FDIC insured or an investment that is composed of US treasuries?Also worth asking is whether either is safe enough? IMO, yes.Statistics:...
View ArticlePersonal Investments • Re: Selling inherited property
According to Zillow the property was purchased for $20,000 in 1989.Are you sure that your name is on the deed? I believe Zillow gets these sales/transfers from public sources such as the local...
View ArticlePersonal Investments • Re: Should we start doing Roth conversions?
You lost me on that one. Conversions leave you with less money investedYes, for now. and a lower future net worth.No, and that's the whole point.I just don't like estimating what my taxes may be in 10...
View ArticlePersonal Investments • Re: Portfolio Review (For my parent's retirement)
Your Dad could start taking SS today to give him more security / less monthly needed to take from his accounts. Yes if we lives to 100, it will be less total income from SS, but who cares?They could...
View ArticlePersonal Investments • Re: Tbills vs tbill etf
I sold a few early this year and the YTD taxes only show interest, no capital gains/lossless. I'm not sure how it works, though.It could be that for the T-Bill sales that were done, the entire...
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Personal Investments • Re: MIL investments vs Vanguard index funds
She doesn't know her AA, nor did anybody the documents she has handy seem to have enough info to determine it. Mostly was she shared was some monthly statement showing what the advisor bought in her...
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