Personal Investments • Re: Help with portfolio
I have posted an update above. Thanks once again everyone!Statistics: Posted by NewToFiLateStarter — Fri Oct 11, 2024 11:17 pm
View ArticlePersonal Investments • Re: Retired: All Out on TSLA/NVDA/NVDL - 2 Fund...
I truly hope you follow through with the diversified portfolioStatistics: Posted by muffins14 — Fri Oct 11, 2024 11:17 pm
View ArticlePersonal Investments • Re: Editing outside portfolio at Vanguard broken?
For me, the behavior is not what you describe, but I can't figure out how to "edit holdings" like before. It does not work the same.For me the workaround is to goto...
View ArticlePersonal Investments • Re: Invest in dual health coverage to get HSA access?
It's legal so long as the healthier spouse is only covered by one healthcare plan - he can't be enrolled in an HDHP plan and a PPO plan at the same time. He's also not permitted to fund it at the...
View ArticlePersonal Investments • Re: I will contribute too much into my HSA this year....
First read the IRS document.Statistics: Posted by Northern Flicker — Fri Oct 11, 2024 11:34 pm
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Personal Investments • Re: Why do people tell you to assume 7% YoY growth in...
I mentioned this upthread, but more updated and easier to understand.source: https://awealthofcommonsense.com/2024/0 ... -s-stocks/edit: One takeaway, for all its GAGA's of the 2010's it is still...
View ArticlePersonal Investments • Re: Retire with Less Than $1 million?
Retired in a lower cost USA area late in 2005 with a no-COLA pension of $40,782 so that is the equivalent of a barely two comma portfolio, but it has no growth ever. Delaying Social Security to age 70...
View ArticlePersonal Investments • Re: YARQ (Yet Another Retirement/Roth Question)
Thanks for your response, queenofthemadhouse.You can definitely afford a pay cut. You can probably afford to retire completely, but I’d probably downshift first, knowing you can pull the plug...
View ArticlePersonal Investments • Re: What kind of situation would TIPS be appealing in?
Ok, but let's say you want to retire at age 60 and start collecting social security at 70.At age 50 you but some 10 year TIPs that will mature at age 60 for you to spend. You don't have inflation...
View ArticlePersonal Investments • Re: International stocks
Why should I keep Intn'l stock ETF's?Why should you stay the course with a diversified portfolio?From the wiki:A Bogleheads investor willsave a lot,select an asset allocation containing both stock and...
View ArticlePersonal Investments • Re: When should I convert to Roth, if at all?
Thanks, Exchme. This advice was really helpful. My initial look at this used pralana's "simple portfolio model," which did not get into asset allocations but allowed me to specify the expected rate of...
View ArticlePersonal Investments • Re: Retirement Planning: DIY or Professional Services
For perspective from my view, you're in fantastic shape, with a pension like yours. You've done great in work, saving and investing. It's hard to imagine you'll feel good about spending a yearly 1 %...
View ArticlePersonal Investments • Re: Windfall, retired, total newby
I'm not quite sure where to begin.There is a getting started wiki if you have not seen it.https://www.bogleheads.org/wiki/Getting_startedThere is a also a wiki on managing a...
View ArticlePersonal Investments • Re: Spending portfolio to "zero"
The $600,000 will still be invested 100% stock index 70US/30international while withdrawing...$600,000 over 15 years is $40,000 per year Using FireCalc: your $600k spending money in all equities and...
View ArticlePersonal Investments • Non-governmental 457b distribution options
I recently changed jobs and I have to make a choice regarding the balance in my 457b plan. This is a non-governmental plan and I cannot roll it over into another 457b (my new job has a 457b but it is...
View ArticlePersonal Investments • Re: Vanguard 529 Expense ratio question
As one example, here is the fee breakdown in Ohio’s 529 direct plan for the Vanguard S&P 500 Fund. (They don’t offer the TSM fund.)0.0175% Underlying Fund Expense ........ (12.3% of total)0.0100%...
View ArticlePersonal Investments • Re: Portfolio Review
Emergency funds:six months of expenses in HYSADebt:LCOL state with $200K mortgage balance@ 3.785% rate. Tax Filing Status:Our CPA prepares our taxes and files married filed jointly most years. Tax...
View ArticlePersonal Investments • Re: Cashing out I-bonds: Treasury Direct and speed of...
Is the timeframe for withdrawal still 2-3 days?Statistics: Posted by GuyInFL — Mon Oct 14, 2024 12:04 am
View ArticlePersonal Investments • Re: Retirement on the horizon (starting in about 3 years)
Great work on building your nest egg!One of the things that people don't consider is the rising cost of health care and protecting against the risk of needing long term care.You never want to be...
View ArticlePersonal Investments • Can I contribute to mega backdoor post tax 401k at new...
I was laid off from my previous employment in the summer. Not sure if I could find another job this year, I increased the contribution of 401k as well as post tax 401k (mega backdoor) and contributed...
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