Personal Investments • Re: Early Retirement Now - SWR [Safe Withdrawal Rate]...
Thanks Ben. Have you looked at the EarlyRetirementNow SWR toolbox? I totally get that a binary SWR approach is over-simplistic, but Karsten's done both Monte Carlo and historical analysis to come up...
View ArticlePersonal Investments • 18 and starting Investing
Hello,My son just turned 18 and starting his financial future. While he is in school, his expenses are covered.He has a taxable stock account that I started last year with a small amount. He also...
View ArticlePersonal Investments • Re: Beginner question on investments for Traditional...
Yes, that's consistent with Tax-efficient fund placement - Bogleheads (to the extent you can do so within your desired overall asset allocation).Statistics: Posted by FiveK — Sun Sep 15, 2024 12:24 am
View ArticlePersonal Investments • Re: Can I FIRE now?
Retirement and work are false binaries. I spent a fair amount of time in India. Room, board, gifts and exploration cost about a dollar or, if I splurged, two a day, and I ate out all my meals. The...
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Personal Investments • Consolidating portfolio, simplify investments
Hi all,I'm new to Bogleheads, been doing a lot of reading, but I'm still trying to wade thru it all. I'm about to enter retirement at 66, have in the last year inherited some stocks, cash, plus myown...
View ArticlePersonal Investments • Re: I'm thinking about getting a financial advisor.
I'm about five years our from retiring and I'm considering getting a financial advisor. Some bullet points:1. As I understand it, AUM is not a good idea and I can see why because even the 0.75% they'd...
View ArticlePersonal Investments • Re: 18 and starting Investing
As a young person with a long time horizon, is there a recommendation for his core investments to be in and percentage allocation in each? His goal is to be in all stocks, aggressive with high...
View ArticlePersonal Investments • Re: Consolidating portfolio, simplify investments
My recommendation is pick Scwab or Fidelity and move to a single brokerage. If you have a fidelity office near by I am sure they will help you.Statistics: Posted by BitTooAggressive — Sun Sep 15, 2024...
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Personal Investments • Re: Adding real estate and small cap value: when and...
I am extremely grateful to this forum for helping us set and keep our investing plan. I am also a longtime reader of White Coat Investor. There is so much to read and learn from people on here and...
View ArticlePersonal Investments • Re: Help with bond choices. Total Bond or American...
And while I normally recommend bonds in taxable, this is the exception. Normally don't recommend, I think you meant? (That is, this is the case where it does make sense.)Corrected above;...
View ArticlePersonal Investments • Re: 40 year old needs to start now
You won’t be able to set up an IRA (Roth or traditional) for him, but you could sit down with him & guide him in setting up a Roth IRA “on line” at Vanguard.As others have suggested, you could...
View ArticlePersonal Investments • Re: Portfolio Review Requested (40 yo Attorney Eyeing...
1. Writing this post makes me realize I should simplify things. Some things have rational explanations (e.g., his old 401k has a U.S. bond index fund but his new 401k does not, so I haven’t attempted...
View ArticlePersonal Investments • Re: Saving for house down payment with unknown timeline
While you feel overcompensated, and you certainly are well paid by overall US standards, your financial picture will improve substantially by increasing your compensation while continuing to save and...
View ArticlePersonal Investments • Re: Bonds Question - Only have short term bonds option...
I think short term bond index fund is a fine choice, it actually limits the damage if rates rise in the future. Remember 2022!That said, if you really do want an intermediate bond fund, you can look...
View ArticlePersonal Investments • Please give feedback on portfolio
I'm 30 years old with ~$50K invested across IRA and 401(a) with the following allocations:S&P 500 Index: 33.2%,Total US Market: 28.4%,Global Market: 27.7%,Total Bond Market: 6.6%,US Small Cap...
View ArticlePersonal Investments • Re: TPAW Asset Allocation question
Hi all, I've been tinkering with the TPAW retirement planning tool the last few days (it's really cool) and have a few questions - 1. I've been using a ~70/30 stock bonds asset allocation in the...
View ArticlePersonal Investments • Re: AA staying the same despite new stock market highs?
When were you last at 50/50? If you started at 50/50 at the beginning of this year, the stock portion should be much higher. What are funds are you using for stocks and fixed income parts?Statistics:...
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Personal Investments • Re: Traditional vs ROTH (IRA + 403b)
As someone who is going to start her career soon and new to all of this, how do I decide on whether to use traditional vs ROTH IRA + 403b?It seems that a traditional IRA are for those who are in the...
View ArticlePersonal Investments • Re: What to do, my bank account is reaching 250k fdic...
My accounts at a local bank is reaching the 250k fdic insurance limit.Because of this issue, I am thinking about transfer the money to Fidelity and buying some brokered CDs from Fidelity. Would each...
View ArticlePersonal Investments • Re: SS plus annuitizing half of portfolio to cover...
Thanks for these great suggestions! It looks like the piece I was missing is that there are many benefits to delaying SS until 70 (tax benefits, inflation protection, etc.) if one has the ability to...
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