Personal Investments • Re: Portfolio Review: Late start
Also not one of the experts, but willing to share my two cents...1. Her 401k up until 2 years ago was with Empower which had Vanguard target retirement funds which we were very happy with....
View ArticlePersonal Investments • Re: Concern about placing international stocks (VTIAX)...
Roth accounts should be where you put your asset classes with highest expected returns. Enough said on that.That is not a given with today's bond yields if you have to hold bonds in a taxable account...
View ArticlePersonal Investments • Re: What is consider substantially identical for wash...
My personal feeling is if they track the same index, they would run afoul of the intention of the rule. That's what I think too.Statistics: Posted by student — Tue Jan 09, 2024 7:51 am
View ArticlePersonal Investments • Re: Vanguard settlement zero balance, but funds...
When you submitted your transfer request (contribution) do you remember seeing any kind of transaction ID or confirmation number? I don't remember if Vanguard dies that or not. But if you have no...
View ArticlePersonal Investments • Re: Annuity in SIMPLE IRA
It's been a long time since I made my original post. In the end I wound up taking the 3% match at NWM as it was getting to be a lot of work to convince everyone that it was possible to contribute...
View ArticlePersonal Investments • Re: Everyone see NVidia this morning?...good for IRA...
Just for grins I calculated approximately how much NVDA I owned through index ETFs.Statistics: Posted by TheTimeLord — Tue Jan 09, 2024 8:07 am
View ArticlePersonal Investments • Re: Portfolio Review - 31yo [he], 30yo [her]
You are doing great. The most important thing is how much you save and not where you save. You can re-evaluate annually how much, if any, of the $120k of retirement savings and dividends in the...
View ArticlePersonal Investments • Re: If You Are Retiring/Retired: How are you...
OP,Real return based on official inflation has little relevance in personal finance. Real people annual expense does not change based on official inflation. It could be more or less but it will not be...
View ArticlePersonal Investments • Re: Best suggestion for low effort investment plan
So, due to life circumstances I am torn on how to approach my investing. I’m a developer and so constantly obsess over details, but don’t really want to add another item (investment tracking) to the...
View ArticlePersonal Investments • Re: Classic Payoff Mortgage vs. Invest Question (6.15%...
Guaranteed 6.15% return, whether pre-tax (great!) or after-tax (fantastic!) is definitely attractive. Assuming you do have an emergency fund of six months to an year worth of expenses, every other...
View ArticlePersonal Investments • Re: How to know if robo-advisor TLH will save me money...
I took a pay cut and am working at a place where I'll be in the 22% tax bracket. I wonder how much TLH will help me if I'm earning around 40-50k. The account balance of Betterment is around 50k all...
View ArticlePersonal Investments • Re: cash into bonds - double digit returns ?
Sounds like market timing which isn’t really a Boglehead-type of approach.yes it did not work in 2023Sounds like you're committed to dropping $450k on intermediate bonds. Great. Nothing wrong with...
View ArticlePersonal Investments • Re: Too much?? [Reduce Savings Rate?]
Great job saving. I'd get that house paid off. Once that's done your in the cat birds seat.Statistics: Posted by Cah — Wed Jan 10, 2024 8:35 am
View ArticlePersonal Investments • Re: Is anybody actually running out of money in...
I look at wealthy family members and they all have what I would think is enough but there is always this concern of running out, so I wonder if anybody actually has?It's a little too soon to say for...
View ArticlePersonal Investments • Re: Horrified by Schwab Platform -- Where to Next?
I currently have investments at Schwab and Fidelity and used Vanguard until about 1 year ago. Of the 3, I find Schwab's website user interface to be the best for my needs and desires.The OP mentions...
View ArticlePersonal Investments • Re: Purchasing MYGAs (multi year guaranteed annuities)...
...Thanks. It didn't work for me though. It keeps alternating between "go to dashboard" and the second log in screen. There's no urgency for me to view my policies. I will try again another day.Did...
View ArticlePersonal Investments • Re: Real estate as % of net worth?
It might provide a mental boost to people who haven't saved much for retirement to factor into their net worth their real-estate holdings, but doing so, in my opinion, provides only an illusory...
View ArticlePersonal Investments • Re: Portfolio question
You said there will be $6k in pension and $1.5k in SS. That's about $90k a year income. There is a dispute about the projected SS income; the OP confirmed above that they have only 8 years of history...
View ArticlePersonal Investments • Re: SWR based on length of Retirement
https://www.morningstar.com/retirement/ ... te-be-2024Benz discusses this issue in the section Can Retirees Withdrawal (sic) 4%?Statistics: Posted by beernutz — Fri Jan 12, 2024 8:46 am
View ArticlePersonal Investments • Re: 401K Options Not Great - Need Advice!
Thanks, All - really appreciate the help and feel much more confident in options to choose!Statistics: Posted by awkelly1s — Fri Jan 12, 2024 8:47 am
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