Personal Investments • Re: Thoughts on Which tIRA Funds to Roth Convert
I think you are asking the wrong question. I think you need to answer only two questions.1. What do you want your total asset allocation to look like? Since all these are in tax-advantaged accounts,...
View ArticlePersonal Investments • Re: I bonds vs TIPS
I bonds will have to be purchased in Treasury Direct, so they can only be a taxable account, but the tax implications with TIPS are very different with Roths, traditional IRAs and taxable...
View ArticlePersonal Investments • Re: Selling Ibonds
You should be able to sell them in November 2024.You can confirm by checking this website: https://treasurydirect.gov/BC/SBCPriceEnter the issue month and year and check the Note column. If Note is...
View ArticlePersonal Investments • Re: Mega Backdoor Roth/Roth IRA question
I think once you read the instructions for line 22 (contribution basis), you will see that it says exactly that.And once you read the instructions for line 24 (conversion basis), you will see that it...
View ArticlePersonal Investments • Re: First time selling fund shares--taxes
I’d like to be sure I understand this correctly. I need to sell shares in my taxable account for living expenses. My MAGI needs to be around $25k (ACA) so if I sell say $22k, I’ll own no tax on LTCGs....
View ArticlePersonal Investments • Re: How Do Bond Maturities Affect Asset Allocation (If...
Many thanks for the insightful answers!Statistics: Posted by monkeytoad — Mon Oct 21, 2024 11:52 pm
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Personal Investments • Re: Will not need RMDs -- what to do with the $$$s
I suddenly find myself needing more education. We're living very comfortably on social security now. We're financially independent and have no debts except monthly spending on credit cards. My wife...
View ArticlePersonal Investments • Re: Any reason not to cash out Whole life?
The forum here is automatically biased against life insurance, without even thinking it through. I would regard the cash value of your life insurance as a bond, even better than a bond because it...
View ArticlePersonal Investments • Re: How does your plan account for Go Go years?
I use new retirement (now boldin) and have used the detailed budget to model spending into the three buckets, mainly more travel, eating out and gas/car expenses then less travel and eating out (same...
View ArticlePersonal Investments • Re: Paying for wealth manager
One of the best ways to maximize the amount of income you can take from a $3M portfolio is to not pay any of it to an advisor by becoming your own financial planner and investment manager. Otherwise,...
View ArticlePersonal Investments • Re: When should I convert to Roth, if at all?
OP, thanks for posting this. A lot of variables involved.What happens if the expected tax rate is lower than you expect in 20-30 years? Perhaps you/I move out of CA. Perhaps tax rates are lower...
View ArticlePersonal Investments • Re: Help with portfolio
Most school bus drivers in WA would be part of the SERS (School Employees Retirement System) retirement system managed by the state. There are also TRS (teachers retirement system), PERS (public...
View ArticlePersonal Investments • Re: Selling MCD stock to reinvest in Roth ira
I also had the idea of selling the 55k in stock, putting that into my bank account and then contributing say 90 percent of my salary to my Roth 401k at work. Living off the 55k until it’s gone then...
View ArticlePersonal Investments • Re: Bond Fund
All, I had a good chunk of money in VBTLX, and as the market rose it was falling. In fact, how it behaved felt completely random, and no matter how much I read or watch youtube, I can't get my head...
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Personal Investments • How to Avoid Having Your Bond ETF Sink As the Yield...
We are seeing an unprecedented steepening of the Treasury yield curve especially from the medium (3 years onward) to the the long-end (the 30-year mark). The long-end portion is gonna be heavily...
View ArticlePersonal Investments • Re: VBTLX into BND
Count dollars, not shares. The former is intuitive and what you want to accumulate. The latter is meaningless in isolation, and personally it's something I've hardly ever looked at. Use a calculator...
View ArticlePersonal Investments • TIAA "advisor"
DW and I both have Tiaa accounts.We are assigned a kind of team...an advisor, a secretary type, and a hands on person who really gets things done. The upshot is that the get-things-done person was...
View ArticlePersonal Investments • Re: Questions about moving assets from Vanguard to...
This year, Vanguard started charging a $100 inconvenience fee for closing an account. I was planning to move a small Roth IRA at Vanguard to my TRowe Roth account, but I had missed Vanguard's...
View ArticlePersonal Investments • Re: Is 4% SWR for FIRE still viable under these...
I don't follow all the calculations, but if you really accumulate $ 2.5 million by age 40, that should be enough to retire, not with much safety. If you figure 82% probability of success, that doesn't...
View ArticlePersonal Investments • Re: 403(b) question
Thanks, all. I will check with HR about this. I thought it was just me who thought the wording was unclear.Statistics: Posted by anglophile — Wed Oct 23, 2024 11:30 pm
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