Personal Investments • Re: Withdrawing from taxable account question
I'd recommend taking a look at IRS's Topic no. 409, Capital gains and losses.Would I be correct in the following:1) If I want to take out $10,000, then I would sell approximately 74 shares at today’s...
View ArticlePersonal Investments • Re: Retiring in 6 months (off TSLA options); Plan...
I never understood why NVDL and why sell covered calls. If you were to make such a risky conviction bet, buying calls seems like a better bet. For example, today's calls for one year out (Sep 2025)...
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Personal Investments • Re: Tax Gain Harvesting
If you hold VFIAX at Vanguard, then selling would invoke the "cannot buy back for 30 days" triviality. So that's a "Why not?" But one can buy VOO instead right away.That pairing might fall under the...
View ArticlePersonal Investments • Re: International Stocks: Total (VXUS) vs Developed (VEA)
Thanks everyone. I think I’ll go with VEA. It’s risky enough, no need for emerging markets.Statistics: Posted by Hot Sauce — Wed Sep 04, 2024 12:39 am
View ArticlePersonal Investments • Re: First Home- Plan Me
Don’t be overwhelmed in the home buying process. Home ownership, I believe is an important part to building wealth.You should be able to deduct any mortgage interest from your gross income. You most...
View ArticlePersonal Investments • Re: Retiring in 6 months (off TSLA options); Plan...
I think some people in this thread have been unnecessarily harsh and mean spirited.I'll admit to being very harsh here, but don't be fooled here by the act OP is putting on. He has repeatedly changed...
View ArticlePersonal Investments • Re: New 401K Portfolio Review & Suggestion
46% US Stock: FID 500 INDEX (FXAIX)/FID MID CAP IDX (FSMDX)/FID SM CAP IDX (FSSNX)29% Intl stock: FID INTL INDEX (FSPSX)25% bond: FID US BOND IDX (FXNAX)For total ~46%, how much should be for each of...
View ArticlePersonal Investments • Re: VA 529 investment advice
OP, we have two kids of similar ages to yours. We have their 529s invested exclusively in stock funds.Thanks- this is tempting. Have you thought about what point (if at all) you will shift to more...
View ArticlePersonal Investments • Re: Vanguard Wellesley
The Vanguard web page for Wellesley says it's yield is 4%; Morningstar says 3.42%. Which might be more trustworthy? (I'm guessing Morningstar, being a pessimist).They are both trustworthy but use...
View ArticlePersonal Investments • Re: Help me understand: retirement and taxes
Again, gentlemen, the information you kindly provided is invaluable to me. I'll now dig deeper into that subject and run a few test tax returns. And, yes, it's easy for me to earn another $20K or $25K...
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Personal Investments • Re: Re-financing - real estate
Bonesly… how does one calculate “when you break even” in evaluating re-finance options?Your $3K threshold for savings on a refinance seems reasonable. How did you decide on that figure? Break-even is...
View ArticlePersonal Investments • Re: European moving to the US for studies: Continue...
If my plan was to be in the US for only a few years, I would want to minimize my entanglement with US finance, tax, retirement accounts. I'd want only the minimum number of accounts needed to...
View ArticlePersonal Investments • Re: Would you invest a very large amount now, knowing...
Investment policy says lump sum, so it is what I would do.Statistics: Posted by FIRWYW — Fri Sep 06, 2024 12:14 am
View ArticlePersonal Investments • Re: 20 years out from retirement, currently hold 10%...
2) in 2020 long-term treasuries were up massively, like 25%Yes they went down in 2022 because rates rose. If you needed money in 2022 you should have had it in long-term treasuries.2018 EDV was 105...
View ArticlePersonal Investments • Re: How to calculate total taxes paid?
I'm trying to calculate my annual expenses and was going off the formula of Annual Expense = Gross Income - Annual Savings/Investment - TaxesI guess all taxes owed. Are there different line items for...
View ArticlePersonal Investments • At what point is it more worthwhile to buy fixed...
I'm an Australian in my late 30s aiming for FIRE.I believe I pretty much achieved my goal.I have: Enough stocks in international low-fee index funds to cover my current living expenses at a 3% yearly...
View ArticlePersonal Investments • Re: What to do in my retirement [Looking for good...
Cue the story about Groucho Marx:"Groucho, how do you invest your money?""I keep my money in Treasury bonds.""But Groucho, they don't make you much money.""They do, if you have enough of...
View ArticlePersonal Investments • Re: Can You Double Dip to Justify Mega Backdoor Roth...
Yes. You can do the same if you are a W2 employee, as your after tax and Roth 401(k) contributions still appear in box 1.Thank you. So why am I seeing answers like this one on MySolo401k.net's...
View ArticlePersonal Investments • Re: Inherited 401k MRD / RMD Confusion
Rolling it into an inherited IRA at Fidelity would take maybe 10 minutes of your time. I’ve done this and it was mighty easy. Then you won’t have three parties involved (you, Fidelity, and folks in...
View ArticlePersonal Investments • Re: Vanguard Total Bond Market
If you go 20 years from 2004 to 2024, if you just purchased the initial amount with no further investmentStocks would have returned 10.20% with an inflation adjusted return of 7.39%Bonds would have...
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