Personal Investments • Re: Mutal fund EOD purchase
Did you already own the mutual fund? If so, what you're seeing is that your existing holdings fell about $390.Yes, this is precisely what happened. I should have given it more thought before...
View ArticlePersonal Investments • Re: Seeking Advice: Early Retirement Funding Options...
Are you considering a 5-year SEPP withdrawal plan or are you considering penalty-free distributions under the IRS ‘Rule of 55’ from your/spouse’s ex-employer 401k/403b?We are considering the former...
View ArticlePersonal Investments • Re: EE Bonds or I Bonds this year?
Inflation and interest rates going down are not a given. Just because Powell suggested it and the news media were all over it , doesn't mean it will happen. There was a news article just this last...
View ArticlePersonal Investments • Re: Ignorant question on a mutual fund trade. Schwab
They were both Vanguard Mutual Funds. That could explain the delay as I don't recall the delay when I've sold Schwab funds.We had dinner with my 90 old Mom tonight. She just left and I checked back...
View ArticlePersonal Investments • Apple ... stay the course or scale back?
Apple has had 2 downgrades this past week and the stock has taken a major drubbing the last 30 days. We've had major financial successes with the exception of these past 30 days. How are fellow BH's...
View ArticlePersonal Investments • Re: Appointment with local Fidelity Rep: should I bother?
I think it depends on the person you get. I’ve had one bad rep and one who so far seems good. Ultimately, I think you have to look at aligned versus unaligned interests. Reps get compensated in some...
View ArticlePersonal Investments • Re: VUSXX taxable for state and local now
Based on what has been posted recently on 2023 results for this fund, will paying taxes be required? (Important Note - I live in California). Thanks.Statistics: Posted by investment guy — Sat Jan 06,...
View ArticlePersonal Investments • Re: Apple ... stay the course or scale back?
I under weight Apple because I work in tech and tilt to smaller, valuier stocks. I am about 40% VT, 40% AVGV, and 20% FNDA for my stocks right nowStatistics: Posted by muffins14 — Sat Jan 06, 2024...
View ArticlePersonal Investments • Re: Early Retirement Plan - Age 38 w/over $2 million
One caution I want to chime in - college expenses for your kids. Unless you want to force your kids to attend public schools in state, any reasonable flagship universities are running $40k to $50k per...
View ArticlePersonal Investments • Re: Thinking of Departing the Formation [Moving to a...
Thank you for that and especially the detailed index. Very interesting and solid research.Here are Vanguard's "3% alpha argument"https://www.vanguardsouthamerica.com/co ... -alpha.pdfand its study of...
View ArticlePersonal Investments • Re: Fixed Index Annuity Question
Another detail which I hate to mention because I don't think these products make sense either, but there are products with names like "buffer ETFs." These pay the S&P 500 price index (without the...
View ArticlePersonal Investments • Re: Portfolio Update
You sound like you are in great shape, really have things in order and progressing very well. Bravo.The 401K can very likely be an RMD issue – if you work to 65-7 and continue to max out combined with...
View ArticlePersonal Investments • Re: Four Fund Portfolio Asset Location Strategy
These are my 2023 contribution percents per account type of total savings:Tax-Free: 21%Tax-Deferred: 13%Taxable: 66%With these ratios, the money should flow into your planned portfolio just fine. That...
View ArticlePersonal Investments • Re: Schwab sweep account. What fund?
One more thing to consider with any Money Market Fund is the Daily and Monthly liquidity % SWVXX is at 29.46% and 53.5% respectively that means on any given day or month if redemptions exceed that %...
View ArticlePersonal Investments • What is the Best Way to Title A New House?
Hi Everyone,Looking at a possible purchase of a home in a community nearby, which we plan to rent and then move into eventually. (5-7 years) Would love to hear everyone's thoughts.I'm able to pay cash...
View ArticlePersonal Investments • Re: Thinking of Departing the Formation
In reality, according to the S&P SPIVA report, over the last 15 years,93.4% of actively managed funds underperformed their benchmarks.This…reality is your best friendStatistics: Posted by...
View ArticlePersonal Investments • Re: Am I Crazy? Every Account is SP500 Index
No one in 100% stocks are regretting anything after 20+ years. Just save 8 months for emergency then go 100% S&P 500 then add FI at age 50.Statistics: Posted by carminered2019 — Mon Jan 08, 2024...
View ArticlePersonal Investments • Re: Finding fiduciary who will honor bond ladder
Thanks all for a myriad of suggestions. There must be many other retirees on BH like us who don't have kids or younger friends to take over their finances for them eventually, yet don't want their...
View ArticlePersonal Investments • Re: Vanguard incorrectly processed rollover check
Welcome! I created a new thread for you.When viewing any forum, click on the "New Topic" button which is located just below the forum's title.Statistics: Posted by LadyGeek — Mon Jan 08, 2024 7:46 am
View ArticlePersonal Investments • Re: Vanguard Roth IRA settlement fund?
Also see if dividends and cap gains are being reinvested or are being transferred to the settlement fund. Also check her automatic transaction - you should be able to have it go directly into TR 2045....
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