Personal Investments • Re: Why does Vanguard target retirement have 40% of...
Should I also increase my international proportion?Pick something you can stick with. You don't want to be asking this question all the time. Doing so is counter-productive. There is a wide range of...
View ArticlePersonal Investments • Re: Investment math on when parent could consider...
What have these 3 offspring been doing with the 40K/year combined she's been gifting them? Perhaps they should consider setting up a separate fund to save for a house on their own. Hopefully, they...
View ArticlePersonal Investments • Re: What do Rick Ferri and Jon Luskin's give as advice?
hey community,I have been waiting for @Rick Ferri over a year, meanwhile Jon Luskin's rates have doubled. Now they are $2,895 minimum!https://jonluskin.com/one-day-financial-review/ (he shares samples...
View ArticlePersonal Investments • Re: Using up large accumulated capital loss with...
The simplicity of using only one fund is appealing.Trade partners. Was wondering what might work better if SGOV fell out of favor after interest rates revert to normal.Searched "ultra short-term...
View ArticlePersonal Investments • How to transfer VMFXX to VUSX
Hi there,I want to change my VMFXX-Vanguard Federal Money Market Fund to VUSXX - Vanguard Treasury Money Market Fund.Please, can someone guide me on how to do that in Vanguard site? Thank...
View ArticlePersonal Investments • Re: How to transfer VMFXX to VUSX
You can't switch VMFXX to VUSXX - you'll have to buy VUSXX just like any other mutual fund.The only alternative to VMFXX as a settlement fund is a bank-backed account with FDIC coverage.Please see...
View ArticlePersonal Investments • Re: updated retirement plan: What am I missing?
I'm not sure businesses will be impacted by a repeal of the WEP at all. It is my understanding that the WEP only impacts maybe 3 million workers. Sounds like a very small % of the workforce. Of course...
View ArticlePersonal Investments • Re: I'm not sure where to begin...S&P 500 ETF's
If you want a Vanguard S&P 500 ETF I suggest you invest in VOO instead of VOOV or VOOG as those are more weighted to value and growth stocks, respectively. So when value is in favor you’ll be...
View ArticlePersonal Investments • Re: T-Bills vs HYSA? 4.7 YTM vs 4.25 APY?
I have about 100,000 USD that was in my HYSA earning 4.25% APY. I used to get $350 per month in interest. ... I bought T-Bills that had YTM of 4.72% and with maturity date of 25 days in the future....
View ArticlePersonal Investments • Re: Home Equity in Asset Allocations
When calculating AA how does one compute the potential liquid cash value of home equity. Lets say you could downsize your non mortgaged primary residence and cash out 500K of home equity and use the...
View ArticlePersonal Investments • Re: When rolling over a traditional IRA to a Roth, can...
I've posted this in other threads but one often overlooked reason for having money in Roth IRAs is it lets you uncouple cash flow from taxable income. We have enough in Roth now that we have a sudden...
View ArticlePersonal Investments • Re: Vanguard Wealth Management for clients having 5 M...
This is exactly why my eggs are not in one basket. If I want advice, I will seek it out.Statistics: Posted by Retiredrocketbuilder — Sat Sep 28, 2024 9:22 pm
View ArticlePersonal Investments • Re: Why do people buy annuities?
Just fyi there is no annuity that guarantees a 10% return year after year in the way normal people think about it. Some guarantee such a return over like 10 years but just simple return and not...
View ArticlePersonal Investments • Re: Probability of Succes has gone down since retiring
I retired in Mar 2021 at age 55. I have the firecalc historical model and a monte carlo model built into my spreadsheet. Our current retirement balance is exactly what I forecast in Mar 2021. Income...
View ArticlePersonal Investments • Re: Everything to Fidelity
I wouldn't put everything in one basket, no matter how great it is. Kind of cognitive-dissonance-like when people advocate diversifying their portfolio but then keep them with one brokerage.Companies...
View ArticlePersonal Investments • Re: 529 Potentially losing value when it is required.
The two different 529 plans I hold each offer a money market-like option.You are allowed to make changes to the investments within the account twice per calendar year, unless there is something unique...
View ArticlePersonal Investments • Re: Roth conversions to 32%, 35% tax bracket?
Along these lines, I am 67, single, no children, live in California and still working. I make pre-tax contributions to my 457b of about $24,000 each year. I currently have about 2.5 million in my...
View ArticlePersonal Investments • Re: Help Please - ROTH Conversion Advice
Total Annual Wages: $264,000.........2023 Tax Information:AGI: 180KTaxable Income: 152kEffective Federal Tax Rate shown on Turbo Tax: 11.94%You need to focus on your marginal tax bracket and what your...
View ArticlePersonal Investments • Re: Best "Local" Bank For Brokerage CMA Users
Not sure that title is worded the way I wanted, but the question is...for those who have moved to a brokerage, i.e. Fidelity Cash Management Account for Direct Deposit, Bill Pay, Checking, etc...what...
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Personal Investments • Starting towards Fi late- Portfolio help
Emergency funds: Yes, at least three monthsDebt: Only car loan $14k 6.29% and Mortgage $125.5k 3.875% Tax Filing Status: Heal of household (divorced)Tax Rate: 24% Federal State of Residence: TXAge:...
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