Personal Investments • Re: Where to park cash short term?
Is SGOV (Ishares 0-3 month Treasury Bond ETF) still the choice for parking cash I might need in 3 months? The yield (based on the 30 day SEC yield) seems to be 5.11%. Or since the Fed has pretty...
View ArticlePersonal Investments • Re: 10 Year Plan
Rough quick math seems like you are leaning towards a 60/40 Asset allocation. Figure out your risk tolerance, set an allocation strategy and what you want to invest in and stick to it over that 10...
View ArticlePersonal Investments • Re: IRA-poor?
mikejuss - just for the record - nearly all S&P 500 index. We did hop out/hop back in one time on a sell/buy signal from Bob Brinker - maybe in 2000? Maybe that made more than a difference than I...
View ArticlePersonal Investments • Re: Finally fired my Financial adviser.
It could have been worse- at least I was I could afford to retire, having been a big cheapskate all of my life. Plus I still have my legs and I really like hiking and biking! Here is the ETFS I have...
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Personal Investments • Re: Roth IRA Investment Portfolio
I agree with what Sir Artic Pineapple Corp said. For equities/stocks, I use VT (total world stock index ETF). Roughly speaking, it includes all the stocks available for purchase in the world. The...
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Personal Investments • Re: Just invested at all time market high
I think I just "reinvested" (technically redirected to another equity fund) at an all-time high too, purely because of Vanguard twisting my arm into transitioning to a brokerage account vs. my...
View ArticlePersonal Investments • Re: Bond Choice
Roll the dice... I would only put stock market funds in a Roth.====================FXNAX Fidelity U.S. Bond Index Fund Portfolio Diversification, AS OF 08/31/2024U.S. Treasury 42.01%U.S. Agency...
View ArticlePersonal Investments • Exchange to vanguard institutional shares
I’m trying to help out my grandmother and uncle. They both own vanguard total stock market and are eligible for institutional shares. I don’t see a button on the vanguard website to get promoted to...
View ArticlePersonal Investments • Re: TIAA Funds
I use TIAA Traditional for almost all my fixed income. In the long run, I think the return will be slightly below TBM but it smooth out the curve.Statistics: Posted by student — Tue Oct 01, 2024 9:56 pm
View ArticlePersonal Investments • Re: Optimal way to reallocate large account to 3 fund...
It's not super over-weight in any individual stocks (2 at 12%, the rest are under 10% of the portfolio), but I don't want to have to pay attention to the individual securities and worry about the...
View ArticlePersonal Investments • Re: Which tool do you use to measure your asset...
Current AA and drift from a target is calculated in my personal spreadsheet on GDocs. However I don't rebalance as its something like 95 ITOT / 3 BND / 2 cash. I will start building the short term...
View ArticlePersonal Investments • Rebalancing Portfolio Help
After some help here, I have a rearranged ask:Emergency funds: 3 months Debt: Mortgage $125.5k 3.875%Tax Filing Status: Head of household (divorced)Tax Rate: 24% FederalState of Residence: TXAge:...
View ArticlePersonal Investments • Re: Exchange to vanguard institutional shares
Do not exchange from one fund to the other. That is a sale and a purchase.I would call Vanguard and ask if they can upgrade to the better share class without a taxable sale.Statistics: Posted by...
View ArticlePersonal Investments • Re: Need help with Roth conversion
i presume that you do not have a pension, since you did not mention one. and that you dont need your current level of income to live on once you retire. in that case, it probably is better if you...
View ArticlePersonal Investments • Re: Debt and Savings Strategies for Young Adult
Are you counting FICA taxes in your effective rate?I have included FID-EE Tax, Social Security, Medicare, MAPFL, and MAPML. I updated the screenshot to more accurately reflect my current situation. It...
View ArticlePersonal Investments • Re: Best rating site for ETFs
Thank you for your criteria, very valuable!If you mean "most likely to go up" or "most likely to beat the market" or "most likely to beat the competition," forget it. Just forget it. Please.There are...
View ArticlePersonal Investments • Re: Help with RMD Advice for my Dad Please
If your father should die before your mother, will she still receive his pension & medical insurance benefits?If not, will she be able to live on his Social Security and RMDs? If your father is in...
View ArticlePersonal Investments • Re: Questions on Mega Backdoor Roth
6. The plan does not do automatic conversion. I get paid monthly. With this said is the MBDR worth the administrative hassle of calling every month? I have been doing this for about three years now...
View ArticlePersonal Investments • Re: 415c limits
403b plans have unique aggregation rules for 415c limits. I’m not sure they apply in this particular case, but see an example here:https://www.morganlewis.com/blogs/mlben ... 403b-plansStatistics:...
View ArticlePersonal Investments • Re: Is moving money within my ROTH a taxable event?
Not taxableBut why not move money in a traditional IRA or 401k instead?Statistics: Posted by muffins14 — Thu Oct 03, 2024 9:40 pm
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