Personal Investments • Re: Variable annuity
Thanks all. I think I understand. Basically it is a bunch of mutual funds and some sort of insurance product. The particular two we have are no longer on their website- must be really old. One was...
View ArticlePersonal Investments • Re: Moving Portfolio from Fiduciary Manager to...
Welcome!Some initial comments:* Nobody cares about your money more than you do. Kudos for your decision to keep your money and manage things yourself. You can absolutely do this along with help from...
View ArticlePersonal Investments • Re: Moving Joint Brokerage Account to a Revocable Trust
I did this two years ago (California). Because it was a joint account there was some finagling to get both of our approval. I think we ended up on a "3 way call" with me, my spouse and Vanguard, where...
View ArticlePersonal Investments • Re: 2025 one year investment
1 year treasury bond might be a good option. You generally don't pay state income tax on the interest, so it can have a higher effective rate than CDs. OP could consider a MYGA if they can find one...
View ArticlePersonal Investments • Re: So much bond negativity
That's a bit simplistic.Bond traders hardly "know nothing about the market".The difference is in time frames. Bond traders aren't looking to hold to maturity and earn coupons.They're looking for short...
View ArticlePersonal Investments • Re: Mega Backdoor Roth/Roth IRA question
Let's say my IRR's non-taxable portion is $900 (Box 5 of Form 1099-R), and the taxable portion is $9 (Box 2a of Form 1099-R). When I roll them over from the Roth 401K to the Roth IRA, I am sure that...
View ArticlePersonal Investments • Which to prioritize: HSA in California or mega...
I can't afford to max out both. Already maxing pretax 401k.My marginal CA tax rate is 9.3%. CA doesn't recognize HSAs so I pay state tax on contributions, dividends and capital gains though I still...
View ArticlePersonal Investments • Re: Mega Roth Approaching yearly limits
If your company does a true-up, the easy way is to max out the regular 401k early in the year, and only after that go for the after-tax at full steam.Piggybacking on this to ask: If the company does a...
View ArticlePersonal Investments • Re: Which to prioritize: HSA in California or mega...
You still get a tax deduction (fed) for the contribution to an HSA that you'll never get with a RothStatistics: Posted by nalor511 — Tue Oct 29, 2024 2:19 am
View ArticlePersonal Investments • Managing a windfall, unique circumstances
I recently received a windfall of $1 million (net). I am in medical residency, so my income is ~$80k/yr, household income $140k. Income will be $450k in 2.5 years upon graduating. Our expenses are...
View ArticlePersonal Investments • Re: How to send secure message to Vanguard
I have a COMPOSE button.Maybe deleting your browser's cache and reloading the page would make it appear.Statistics: Posted by EZ James — Tue Oct 29, 2024 11:19 pm
View ArticlePersonal Investments • Re: Buy I Bonds today?
We bought $60k through gift boxes today. We also bought $100k earlier in the year through trusts and gift boxes. I don't plan on buying any more this year.Statistics: Posted by ScroogeMcDuck — Tue Oct...
View ArticlePersonal Investments • First post in 10 yrs. Somehow I got rich…
-Cliff notes: started a company in November 2014.-Current Age 41-ZERO DEBT in personal life or business!!!-INCOME: over $500k/yr and increasing yearly-10 yrs later I have a paid off house $750k.-$550k...
View ArticlePersonal Investments • Re: Advice on parking $200,000
I would buy JAAAWould that really be considered appropriate advice for this person's situation? JAAA seems to me to be a bit risky for the life savings of a 78-year-old retiree. Due to the complex...
View ArticlePersonal Investments • Re: Recently moved from Cash to I-T Bond Funds. Big...
You didn't say what specific bond fund you moved to, but most intermediate-term bond funds have average durations in the vicinity of 6 years. For example, the Vanguard Inflation-protected Securities...
View ArticlePersonal Investments • Re: First post in 10 yrs. Somehow I got rich…
-Cliff notes: started a company in November 2014.-Current Age 41-ZERO DEBT in personal life or business!!!-INCOME: over $500k/yr and increasing yearly-10 yrs later I have a paid off house $750k.-$550k...
View ArticlePersonal Investments • Re: Any Reason to Stay in TSP
I agree with all of your points although I still appreciate the G Fund for what it is, a nice stable value fund for some "safe" money. With that said, I plan on moving a large percentage of my TSP to...
View ArticlePersonal Investments • Re: Dividend related question....
Some in my circle love chasing yields. It does not matter how many times one can explain the yield trap and why individual stocks with high yields are not a good thing.it's called Innumeracy.many...
View ArticlePersonal Investments • Re: 403B plans at retirement leave or convert?
What state are you in, and are those 403(b) plans governmental? Generally employer plans are protected from creditors, whereas IRAs may not be. California is an egregious example, where the IRAs are...
View ArticlePersonal Investments • Re: Delay bridge for Social Security, retirement...
No other IRA’s or 401k’s for me or wifeI would invest in a Roth IRA before I would invest in taxable.Statistics: Posted by steadyosmosis — Thu Oct 31, 2024 1:19 am
View Article