Personal Investments • Re: Roth conversations or taxable brokerage
We have about $15k available from the sale of company stock and are trying to decide whether to do Roth conversions and use these funds for taxes or just invest them directly into our taxable...
View ArticlePersonal Investments • Re: Trying to figure out a discrepancy in my 401k...
Could this be due to timing? If you were recently paid, is it possible that the latest contributions will appear in your updated balance within a few days? Once this happens your balance will show the...
View ArticlePersonal Investments • Re: Vetting alternative investment fund - advice?
I happen to think this would be a really interesting niche. I could quite believe there is manager skill in it. Non performing commercial mortgages? Residential I would worry about the ethics of...
View ArticlePersonal Investments • Re: Retirement income
This is why Fidelity will have a loss leader with Zero funds. Annuities are big money makers. With a $3 million portfolio, you only need a 2% withdraw rate for $60k per year. At your ages, I would do...
View ArticlePersonal Investments • Re: Can I FIRE now?
No work till 55 and think again…What will you do the next two decade without workI can't tell if this is sarcasm or not.No sarcasm, 35 is too early to retire.. can be financially independent, but not...
View ArticlePersonal Investments • Re: What is the Most % the Stock Market Could Drop?
Boglefriends,For planning purposes (e.g., how much risk to take), what is a realistic assumption to use for the most (worst) % drawdown of the stock market in the current era? Assume S&P is the...
View ArticlePersonal Investments • Re: What Do You Think of These Investments?
I am no expert by any means but I've read over and over that any annuity that is even worth considering is an SPIA. Did you discuss SPIAs and not those complex products?My deepest apologies for not...
View ArticlePersonal Investments • Re: Fidelity told me to up stock allocation
Interesting how many people are recommending switching brokerages over this - any brokerage is going to recommend the same. I just took Vanguard's free investor questionnaire, answering as a...
View ArticlePersonal Investments • Re: For Retirees. How simple are your portfolio's?
Hi All,I'm struggling on how to put together my retirement portfolio. Right now, I have a PAS with Vanguard, and want to venture out on my own. My AA is 65/35, and I'm 60 yrs old. When my wife retires...
View ArticlePersonal Investments • Re: BND vs VMFXX for money needed in 2026
Thank you all for your valuable suggestions. I am so glad I asked.Statistics: Posted by johnkgan — Fri Sep 20, 2024 12:44 am
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Personal Investments • Re: Should I rebalance my tax-advantaged accounts with...
Thanks all for the help!!Setting up a threshold like 5% sounds like a good idea. I went back and did some projections on this and it looks like I likely won't reach a 5% drift till halfway through the...
View ArticlePersonal Investments • Re: 85% S&P 500 / 15% I Bonds
Overly complicated and will not result in a markedly different outcome from just investing in the total bond fund in your 401(k).Complicated in what sense? Either plan is basically a 3 fund...
View ArticlePersonal Investments • Re: At what point do I really need a taxable account?
Just to park a small amount of cash is enough purpose to open a taxable account. Understand what a particular vendor can offer is useful even if you only need a money market fund.Statistics: Posted by...
View ArticlePersonal Investments • Re: Vetting alternative investment fund - advice?
When I invest in alts, I start by investigating the principals. Do online searches and background checks, research their Linkedin, check the history of their professional licenses, look for lawsuits...
View ArticlePersonal Investments • Re: Building TIPS ladder in Roth IRA in Vanguard...
Please don't put it in a Roth account. You should put the assets that are expected to grow the most (stock funds) in there instead to maximize tax-free growth. You probably don't want it in a...
View ArticlePersonal Investments • Re: What Do You Think of These Investments?
A way to think about the tax penalty is that it reduces the interest rate by 10%. So, for example, a MYGA that is crediting 5% would have an effective earned rate to you of 10%, or 0.50%, less than...
View ArticlePersonal Investments • Re: Pulling 20K (now 200k) out of my IRA for 1 month...
Thanks for the discussion. You know while the money is out of my Roth, VTI is going to the moon! lol.FAFO Fool Around Find Out … Well we knew that was going to happen; VTI is up 13 since I withdrew...
View ArticlePersonal Investments • Re: Sitting on lots of cash - advice
If I were to buy a house, I would sell VTI shares (my only taxable holding) in my taxable account to fund the purchase.Then, about one minute after selling the VTI shares, within my IRA I would move...
View ArticlePersonal Investments • Re: I-Bond redemption issues
At least they transitioned to all-electronics bonds ! Can you imagine how much longer it would take with a paper bond ?!Statistics: Posted by Thesaints — Sat Sep 21, 2024 1:33 am
View ArticlePersonal Investments • Re: For Retirees. How simple are your portfolio's?
The OP might consider a great 1-fund portfolio: VSMGX (Vanguard Lifestrategy Moderate Growth Fund). A 60/40 fund-of-index funds, invested globally.Statistics: Posted by Lawrence of Suburbia — Sat Sep...
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