Personal Investments • Re: Transferring to new brokerage; whole shares?
My gut tells me to transfer everything in whole shares to avoid the tax reporting, unless someone jumps in with a downside for doing it that way. So you are going to leave the fractional shares in the...
View ArticlePersonal Investments • Re: ACATS Fraud - must call Vanguard to Lock Down your...
I use a CMA at Fido for cash management and keep my main accounts locked down.Statistics: Posted by chinchin — Sat Aug 17, 2024 9:19 pm
View ArticlePersonal Investments • Re: Roth conversion confusion
You can make as many Roth conversions as you want per year. Try it with $1000 first and see how it works (make sure it’s not 1000 shares).You also are forgetting about the $29K standard deduction for...
View ArticlePersonal Investments • Re: 20-year investment
Ignoring the off-topic aspects, I'd consider mimicking a 529 plan's age based portfolio since the investment horizon and withdrawal rates will be similar.I don't think that the investment horizon and...
View ArticlePersonal Investments • Re: Lump Sum or DCA a large windfall
If you don’t feel comfortable lumping it at your current asset allocation, then adjust your asset allocation until you do. Then lump it.Statistics: Posted by elnegativo — Sun Aug 18, 2024 9:03 pm
View ArticlePersonal Investments • Re: Help with Portfolio Toolbox
I looked at the Portfolio Toolbox for the first time today (after your post). Unfortunately, it wasn't immediately intuitive to me how to answer your question. I would instead suggest Portfolio...
View ArticlePersonal Investments • Re: Help With Explaining These 2 Funds
LaramieWind - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them...
View ArticlePersonal Investments • Re: 18 yo, Seeking Advice
I have been listed on one of my parents' credit cards for "emergencies" since I was in college ... recently my parents have been paying for home renovations, etc, and the card I'm listed on currently...
View ArticlePersonal Investments • Re: My behavioral errors since moving emergency funds...
I've seen this concern in other places, and I just dont understand the fear of I Bonds not getting to someone's heirs. Maybe it's not instant, but does it really matter? I would just leave...
View ArticlePersonal Investments • Re: Transitioning from 401(a) to 401k
If you are SURE that the old employer plan is a 401(a) and *NOT* a 403(b) or a 401(k), at your new employer you are allowed to contribute the full $23k (or $30k if you are older than 50).Yes, it's a...
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Personal Investments • Re: PA resident; advice needed on 529 account
New annual ContributionsWill try to max out 401K every yearWill try to max out HSA every year (Currently 14K$)Max out both IRAs before putting a penny in a 529 or taxable.fixed.Thank you very much, i...
View ArticlePersonal Investments • Re: Retirement Strategy
When you say "maxed out your Roth 401k (for company match)" do you mean the $23k contribution limit? Or are you just contributing enough to get the full match?$429/month into the 401k ~$150 from...
View ArticlePersonal Investments • Re: Portfolio Review: $7M NW, Early 40s with 2 kids,...
Debt: Mortgage, $250k, 3.375%. 1 Car loan, $15k remaining ($30k market value). No other debts.~snip~ Questions:1. Any general reactions?Why on Earth do you have a car loan?Statistics: Posted by...
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Personal Investments • Re: Approximating Total US Stock Market with 3 Funds
I think if you truly wanted to simply approximate a fund like VTI, the split would be 90-0-10.The Wiki topic suggesting 85-10-5 was last updated in May 2021. This is what the Morningstar Style Box...
View ArticlePersonal Investments • Re: VTSAX vs VFIAX
Is there any loss for having both funds in the same account? Even if the plan is to do TLH, as long as we don't setup 'automatic reinvestment' of dividend distributions and have them deposit in the...
View ArticlePersonal Investments • Re: Equally weighted S&P and currency hedged...
Also, he believes the Mag7 are over priced in VTI and so he’s recommending RSP Invesco S&P 500 Equal Weight ETF for new money instead to give me more access to the smaller companies in the index...
View ArticlePersonal Investments • Re: funding solo 401(k) - must use business account?
the Fidelity rep told me that ... the deferrals (both employee and employer side) should come from the business checking account, not a personal account.Bizarre. I was just told that I cannot link a...
View ArticlePersonal Investments • Re: Wash Sale Time Window
Vanguard will not track it and you will have to report it yourself. The amount of the disallowal is based on the number of shares purchased and sold.Are you sure about this? The original post implies...
View ArticlePersonal Investments • Re: Where to invest for safety as interest rates go down?
I think I would be fairly comfortable with 40/60 AA. I have $1.1M in Schwab and $700K in Robinhood and my wife has her $300K in Fidelity.Which Target Retirement Income fund do you guys recommend?And...
View ArticlePersonal Investments • Re: Does lightning ever strike the same place twice?...
in answer to your question, yes, lightning will strike the same lightning rod many times. (that's what they are for!)Statistics: Posted by Big Dog — Tue Aug 20, 2024 9:40 pm
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