Personal Investments • What to do when investing timeline is murky?
Let’s say I have money set aside in a 529 for private K-12 (and two kids currently in private K-12) and also for future college (separate 529). I could technically cash flow K-12 this year but no idea...
View ArticlePersonal Investments • Re: Looking for guidance to structure annuity for 5-10...
I also went with a TIPS ladder.Statistics: Posted by steadyosmosis — Fri Aug 23, 2024 10:43 pm
View ArticlePersonal Investments • Re: What to do when investing timeline is murky?
I like to measure risk across my portfolio and to not have any special buckets. This is really about what you want to do.Statistics: Posted by whodidntante — Fri Aug 23, 2024 10:49 pm
View ArticlePersonal Investments • Re: Capital gains offsets and ACA subsidies
Just to be clear, the "you" and "your" in the posts above is plural, inclusive of your spouse. Their gains and losses will combine with yours, so you do need to consider them. Both spouses gains and...
View ArticlePersonal Investments • Transition away from MMF before rate cut?
I currently have a fairly large sum of money sitting in a Fidelity FZDXX. This is in addition to a HYSA, 401k, pension, bonds and many individual stock/mutual funds that I'm currently invested in.The...
View ArticlePersonal Investments • Re: Farmland
Any possibility of leasing it for a solar or wind farm? I know less than nothing about farmland, but have heard of people getting decent returns on that.Statistics: Posted by Irene — Mon Aug 26, 2024...
View ArticlePersonal Investments • Re: Transition away from MMF before rate cut?
You unfortunately have to accept volatility of interest rates if you want preservation of capital and liquidity. You can lock in current rates by tying up your money for a period of time, but it will...
View ArticlePersonal Investments • Re: Retiring in 6 months (off TSLA options); Plan...
Good Lord this thread just keeps bringing it. I can't imagine anyone is surprised to hear you're now gambling on NVDL. Honestly, I 100% mean this: best of luck with that friend.I have to ask: why? No,...
View ArticlePersonal Investments • Best state 529 plan for fixed income
I have NY 529 accounts for my kids and am looking to add another state account. This new account will primarily be fixed income, so I am looking for a state that has good options in that area,...
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Personal Investments • Re: 30th Birthday Investment & Finance Checkup...
...we want to make sure we have a comfortable retirement (I plan to retire no sooner than 60), and would like to invest for our childrens' education and weddings.Those may be competing priorities for...
View ArticlePersonal Investments • Re: Anyone Glad they took Social Security Early?
wife and i both took SS as early as possible. since we retired early, we felt we needed the SS to allow our other assets to mature, and hence provide us with a richer income stream later on. Which...
View ArticlePersonal Investments • Re: Cash at Fidelity
i hold 95% of my cash in short term tbills (4 months or less) since their interest is exempt from state income tax. if you need cash in a crunch, you can always liquidate.Statistics: Posted by...
View ArticlePersonal Investments • Re: Bond fund returns - need help understanding
dbr, thank you for addressing my questions head-on. This is clear and very helpful! Thank you kindly!You can look up the distributions on the fund web pages or perhaps at Yahoo and other various...
View ArticlePersonal Investments • Re: Advice As My Money Can't Be Doing The Most For Me
Tax Rate: 24% Federal, 6.37% StateCurrent employee contributions: 12% 401(k) and 6% Roth 401(k)- Do I need change my 401k contributions? My assumption is I'm putting away more than averageRollover...
View ArticlePersonal Investments • Re: What to do with a worthless preferred
nothing wrong with taking the cap loss on the preferred stock and then taking a similar size capital gain on another asset, and then reinvesting the cash with the goal of reallocating your portfolio a...
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Personal Investments • Re: Best money market fund strategy in high state tax...
I've been reading up (years overdue, it seems ) on reasonable places to park cash.I decided to move my cash out of HYSAs into money market funds. I stumbled across this very useful...
View ArticlePersonal Investments • Advice: Winning the Lottery in Another Country
Hi everyone, my father(60) recently won the lottery in the Caribbean for the equivalent of $1.5M US. I'm pretty financially savy but I don't have a good understanding of how to best advise him in this...
View ArticlePersonal Investments • Re: Is this a Vanguard number?
I needed to set up a bank account that I could not do online. I sent in some paperwork. I got an email today saying I was missing key info and the phone number was the same as the one in your post....
View ArticlePersonal Investments • Re: 2 bad options
I feel option-2 is the lesser evil. Assuming (as @exodusNH asked) that 1.4% is annual fee but levied monthly, you can choose to invest in Vanguard or other fund families. The 2% that your employer...
View ArticlePersonal Investments • Re: Farmland
Good advice. For what it’s worth I used a 7% portfolio return since 7.4 is the historical average I found for 60/40 allocation. When I bumped that down to 6% it was almost equal. And if it were likely...
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