Personal Investments • Re: Giving With a Warm Sneaky Hand - Gifting...
Www.Betterinvesting.org can teach them to invest by starting an investing club and learning the green sheets. It’s a great organization dedicated to investor education.Statistics: Posted by...
View ArticlePersonal Investments • Re: Best account to use cash strategically
For taxes, you want as much of the cash as is reasonable in your 401k, not your taxable account. I would recommend the current year's spending withdrawn to a taxable account converted to Roth, and the...
View ArticlePersonal Investments • Re: Asset Allocation Help
Rental properties are just about cash flow positive, both around ~$200/month. I was a bit surprised by the suggestion from folks here ...to sell the rentals and put in investment account. Again, my...
View ArticlePersonal Investments • Re: Cash holding in retirement
I keep 6 month’s expenses in HY bank savings account; the rest in MMF.Statistics: Posted by KanCityKid — Thu Aug 15, 2024 9:14 pm
View ArticlePersonal Investments • Re: TIPS Secondary Market Math
What’s happens to a TIPS fund with deflation? How does the floor value of the individual TIPS maturity come into play?if a fund is selling tips during deflation, I guess you would potentially get less...
View ArticlePersonal Investments • Re: Which to select: VFINX or VFIAX
For what it's worth...When I started investing at Vanguard in 2004, VFINX had a minimum investment of $1000. Admiral shares had a minimum investment of $100k. In 2010, the minimum for admiral shares...
View ArticlePersonal Investments • Re: PA resident; advice needed on 529 account
Thank you so much arcticpineapplecorp. Please see below.Emergency funds: six monthsDebt: House mortgage 650K (3.5% interest);Car loan 20K (1% interest).Tax Filing Status: Married Filing JointlyState...
View ArticlePersonal Investments • Re: Does it still make sense to buy treassuries now?
thanks. So does one buy treasuries on any given day or do I have to wait for federal auction day and set a bid price? How does this work?You can enter an order to buy at auction, but you don't know...
View ArticlePersonal Investments • optimizing taxes if you have short term and long term...
I understand that you want to sell long term gains first and then short term gains to optimize for taxesHowever, does this still apply if you have carryover lossesSay I have some short term loss carry...
View ArticlePersonal Investments • Re: optimizing taxes if you have short term and long...
I understand that you want to sell long term gains first and then short term gains to optimize for taxesHowever, does this still apply if you have carryover lossesSay I have some short term loss carry...
View ArticlePersonal Investments • Re: Agency Bonds - How Often Have They Been Called?
Two more of my 20 agency bonds were called today. That makes Four in the past two weeks.Any agency bond with 6+% interest rate is getting called at the first opportunity.Statistics: Posted by...
View ArticlePersonal Investments • Re: Bonds in taxable or tax advantaged?
Assuming a person is in their late 30s, high federal/state tax brackets. This person is maximizing their tax advantaged savings opportunities and has leftover $ for investments in taxable accounts. 1....
View ArticlePersonal Investments • Re: Can I sell a bond to myself?
As the above poster noted, this is a cross trade that is not allowed (not an IRA-specific issue). Had to look up cross trade - hadn't heard that term before......
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Personal Investments • Re: Inheritance and Stock Concentration Issue
Let me try this hypothetical - I inherit $1M a portfolio all invested in Amazon and Facebook. A month before shares are moved over to my brokerage, US govt for some reason bans internet! Both fall...
View ArticlePersonal Investments • Re: Understanding the basis of Roth conversion...
Just a note:A consideration for married people.Some day one of you will be single. The 2023 15% bracket for singles $11,600 to $47,150 whereas married couples 12% bracket is $23,200 to $94,300. Same...
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Personal Investments • Re: New guy looking for portfolio advice
I looked at my wife's work 401K, and the options are pretty lousy. She cannot get either of the two options you suggested (VFAIX or VBTLX), ; she could get the Blackrock Equity Index (a S&P 500...
View ArticlePersonal Investments • Re: timing equity investment
This is an intellectual exercise.You can't time eating lunch, or dinner. You can't time receiving paycheck. You can't time your monthly expenditure.Most things in life need to happen in a cadence....
View ArticlePersonal Investments • Re: UHNW Situtation
...who have the expertise to deal with some of the complexities that arise from having this much money.Sorry, I've gotta respectfully disagree on this. Managing $30M isn't much different than managing...
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Personal Investments • Re: Single AA for life - 80/20 or 60/40?
I am looking for advice on whether to choose the ETF equivalent version of Vanguard Lifestrategy Moderate Growth (60/40) or Vanguard Lifestrategy Growth (80/20) to hold for life as a one-and-done...
View ArticlePersonal Investments • Re: Switching from stocks to index funds
-I have most of my investment in taxable accounts (individual stock)then you have to be more careful than if you owned the individual stocks in an IRA. In an IRA you can exchange individual stocks for...
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