Personal Investments • Re: What's in your Taxable Account?
I take a different approach with my taxable account. Yes, it's important to pay attention to tax efficiency, but it's also important to ask yourself why you are investing in taxable to begin with.I...
View ArticlePersonal Investments • Re: Any consequences for changing funds in an old 403b...
Correct, I won’t re-enter that target date fund. I was planning on continuing to rebalance over the years with the new funds. This should be OK, right?Yes, should be OK. Although, I am confused to see...
View ArticlePersonal Investments • Re: Moving house fund from Marcus to VG MMF - pointers?
1. I can just direct deposit into this brokerage the same as I do with Marcus, right? 2. Is there a different sweep fund I should use than the standard VMFXX because of any tax issues? 3. I read that...
View ArticlePersonal Investments • Re: Anyone Glad they took Social Security Early?
My wife is a teacher an her pension makes her ineligible for 50 percent of my SS thus, if I pre decease her she will be out that income stream.Is her pension more than one and a half times your age-70...
View ArticlePersonal Investments • Re: pay down mortgage vs continue investing
This falls in the "personal" category of personal finance - I think the right answer could be different for different people. But if it were me, given the limited facts laid out in this post, I would...
View ArticlePersonal Investments • Taxation of capital gains under average cost basis
I understand that short-term capital gains are taxed at the ordinary income rate and long-term capital gains are taxed at 0%, 15% or 20%.When average cost basis is selected ...Does tax software...
View ArticlePersonal Investments • Re: Your Opinion on Berkshire Hathaway ?
Berkshire has outperformed VOO over that past 1, 5, and 10 year periods...Remove the August 2024 bump and you have a different story:https://testfol.io/?d=eJytj01LAzEQhv%2F ... F6Bpi00%3DA small nit...
View ArticlePersonal Investments • Re: Taxation of capital gains under average cost basis
I understand that short-term capital gains are taxed at the ordinary income rate and long-term capital gains are taxed at 0%, 15% or 20%.When average cost basis is selected ...Does tax software...
View ArticlePersonal Investments • Re: 25 Dividend Stocks
I am preparing myself to invest heavy into dividend stocks to generate monthly income in 10-15 years. I have 20 monthly paying stocks and 5 quarterly paying stocks. I dont have a lot of money in them...
View ArticlePersonal Investments • Re: Retiring in 6 months (off TSLA options); Plan...
So how much would you have today if you just invested 70/30 in Total Stock Market/Total Bond market index funds?Also someone posted had I done BH starting October 2021 I would have 10.5m. I didn't...
View ArticlePersonal Investments • Would like to sell DGSIX..what are tax strategies?
I have about 170,000 in profit from my DGSIX fund I have owned for several years. I was considering selling it to move the dollars into something like VTSAX. My question is...is it better to just keep...
View ArticlePersonal Investments • Re: Total Market or separate Large, Mid & Small...
I was talking to an advisor at an indexing shop the other day who told me that in taxable accounts they like to use three index funds covering the S&P 500, mid-cap blend and small-cap blend to...
View ArticlePersonal Investments • Re: Portfolio rebalancing
Thanks dbr, a clear message much appreciated.Statistics: Posted by banfield — Mon Sep 02, 2024 11:54 pm
View ArticlePersonal Investments • Re: Which Roth to Rollover, His or Hers?
I am 9 years older than her, so I had thought that maybe it'd be better to convert hers so it grows longer and also it'd just be nice to close out her traditional IRA sooner to have less accounts.I...
View ArticlePersonal Investments • Re: Checking a few details of late-filing of 5500-EZ...
Maybe u/spiritrider could chime in. I think it's a short plan year that starts 1/27/2022.1 participant as soon as it is created.Those codes look right to me. I would probably do the opinion letter in...
View ArticlePersonal Investments • Re: SPIA Annuity as part of Retirement strategy --...
It sounds like you're at a crucial crossroads in your financial planning, and it's natural to feel a bit overwhelmed when considering such significant decisions. You're weighing the trade-offs between...
View ArticlePersonal Investments • Re: Advisor Models
Many Bogleheads use a simple 3-fund portfolio (or something equally simple) and keep all those AUM fees for themselves.I've been starting to do this outside of them. I have an e-mail drafted to find...
View ArticlePersonal Investments • Re: Financial Review: Preparing for SAHM
Grandparents, au pair, or 2 nanniesNot trying be combative but do you know many nannies or grandparents that can be available at 3:30am when I leave for work on days? I have a five year old and two...
View ArticlePersonal Investments • Re: For those retired, what's your plan for non-stock...
My overall portfolio is 80/20. The fixed income (20%) is subdivided into 5 year treasury ladder 60%, VTEB 10%, VTES 5%, SCTXX 25%. As the treasuries mature, I will reinvest into VTEB and VTES at a 2...
View ArticlePersonal Investments • Re: sequence of withdrawals during...
Unless very respected BH confirms it I am not yet believing that basis gets stepped up for the surviving spouseYes, the step-up in basis is real.https://www.fidelity.com/learning-cente ... p-in-basisI...
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