Personal Investments • Re: Portfolio Check after laid off from work
Tough news. You have a good stash in taxable. Is your business idea ready to execute? What are the details?I’d look for another position in parallel.Statistics: Posted by Wannaretireearly — Thu Oct...
View ArticlePersonal Investments • Re: Retiring at 53 asset allocation help
I have a 2.2M house and don't spend much more than you do so I am not as skeptical as others. But it is new, all-electric with solar, so my ongoing costs are lower than average. My cars are electric...
View ArticlePersonal Investments • Re: 8k$ in passive income per month
Thank you all for suggestions. Appreciate it. so the popular opinion is double investment portfolio and spy/div etf would pay close to 8k.Statistics: Posted by rajwar — Fri Oct 18, 2024 12:39 am
View ArticlePersonal Investments • Re: Question on 18 month 5 percent cd
A 5% CD non-callable is above market rates. Grab it. Stay within FDIC or NCUA limits.That’s the plan ,, just waiting to see if my current bank will meet the 5 for 18 monthsStatistics: Posted by...
View ArticlePersonal Investments • Re: Investing and Taxes for Young Children
Child Tax Credit is the big one. Dependent Care Flexible Spending Account and/or Child/Dependent Care Tax Credit are also important. There should be threads here on when to do one or the other, or...
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Personal Investments • Re: Help with portfolio
Now that I am a bit more educated about investing, I realize that I have made a huge mistake on our taxes for many years. When my husband and I opened the joint account, my broker/advisor never told...
View ArticlePersonal Investments • Re: Short Vs Medium Vs Long Term bonds
Thank you for the replies.401k is maxed out but the cheapest bond fund has an er of .4 as opposed to the cheap s&p fund so I have bonds in taxable. I currently have state minus and in a MMF but it...
View ArticlePersonal Investments • Re: VTIP vs rolling 5 year individual TIPS ladder
What do your bond holdings look like?Statistics: Posted by Northern Flicker — Fri Oct 18, 2024 10:40 pm
View ArticlePersonal Investments • Re: Vanguard PAS or 3 Fund Portfolio?
I think it’s up to 7% as the lowest amount of cash you can have in Schwab’s robo … and that’s in every account! When I looked at it, socking away that much in cash (even if it’s a money market at...
View ArticlePersonal Investments • Re: How many months cash for retirement income?
living off Social Security and ~3.6% year withdrawals (at the current balance) from our conventional IRAs which have averaged 6.5% returns over the past 10 years. We currently have 15 months income in...
View ArticlePersonal Investments • Re: How SGOV taxed for California?
To be clear, I do see YTD "Income Summary" on my statement. But that section is not broken down by individual securities, so it includes both California-taxable and nontaxable amounts. This is not...
View ArticlePersonal Investments • Re: After maxing 401k & IRAs, then what?
My employer gives 3K to my current HRA plan to spend which has a 4k deductible, while the HSA plan only gets a 2k company contribution and has a 5k deductible, so there is a 2k difference in out of...
View ArticlePersonal Investments • Re: 401k transfer bonus to Schwab refered by spouse...
Everything stated above by MoncyOCD is accurate, as I have Schwab with 6 accounts mixed between myself and spouse.As for transfer bonuses, I'm curious what you are seeing/hearing or being offered. I...
View ArticlePersonal Investments • Re: ROTH Rollover Question
It has been several years since I did this -- but I did move a Roth IRA from somewhere else into my Fido Roth IRA electronically -- Fido took care of it and there was no need for a check.Statistics:...
View ArticlePersonal Investments • Re: Another "Won the Game" question
I know this is a bit heretical, but I also struggle to take seriously further reduction in ERs when they are already less than, say, 0.1%.Statistics: Posted by NiceUnparticularMan — Sat Oct 19, 2024...
View ArticlePersonal Investments • Re: Selling MCD stock to reinvest in Roth ira
I’m in the 15 percent capital gains tax bracket. So I’ll have to pay some capital gains taxes.Statistics: Posted by Sodak — Mon Oct 21, 2024 12:03 am
View ArticlePersonal Investments • Re: I would really appreciate a review of my investments
The amount of analysis that it took to put this portfolio together is impressive. Did you do this on your own, or was there a relationship with an advisor? The allocation(s) are complex and far from...
View ArticlePersonal Investments • Re: Pre-Retirement Q: Pay off mortgage vs Invest???
What is your tax filing status? What is your current Federal tax bracket? What would you invest the money in, if you didn’t have a mortgage to pay down? What are your current investments (both...
View ArticlePersonal Investments • Re: Asset Allocation for 90+ year old?
Why a life insurance policy?It sounds like he is going well. I'd just invest it so that he had 50/50 split asset allocation or even a 60% income/40% equity. If taxes weren't an issue with trades, I...
View ArticlePersonal Investments • Re: Fiduciary advisor recommending against TIPS ladder
You might want to read this helpful article by Allen Roth, who is certainly a highly respected financial advisor. He understands the value of a TIPS ladder, and knows how to build one. If your adviser...
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