Search found 856 matches
- Fri Mar 08, 2024 11:42 am
- Forum: Personal Investments
- Topic: Fidelity advice
- Replies: 67
- Views: 8027
Re: Fidelity advice
Ignore this nonsense and Bogle on through Fido.
- Tue Mar 05, 2024 9:11 am
- Forum: Personal Consumer Issues
- Topic: What to do?? [Vanguard warning about closing account for calling too frequently]
- Replies: 74
- Views: 6827
- Sun Mar 03, 2024 3:20 pm
- Forum: Personal Investments
- Topic: How to best allocate vanguard funds [Question restated for clarity]
- Replies: 9
- Views: 995
Re: How to best allocate vanguard funds
Hey ya'll, I wanna try to field this question one more time in a clean thread, I posted about this last week and the conversation kind of got away from me. Every poster was really focused on my retirement account, which I don't want to talk about here - I have a pension and annuity through work, they don't do 401k matching so I started a Roth IRA to supplement the pension BUT my work situation may end up changing and I don't know what happens to my benefits if it does, as well as my income...so until that's all sorted there's really no conversation to be had on that front, no specific plan I can come up with other than just keep contributing to my IRA and hope for the best. Also people seemed really concerned about my savings, I have plent...
- Sun Mar 03, 2024 10:53 am
- Forum: Personal Investments
- Topic: Dividend reports with Fidelity
- Replies: 5
- Views: 515
Re: Dividend reports with Fidelity
Go to account, activity, history, and filter by dividends. I’m wondering why the dividend information matters outside of tax time though? Total return is a much more valuable number.
- Sun Mar 03, 2024 10:48 am
- Forum: Personal Investments
- Topic: Should we consider a Roth 401k?
- Replies: 8
- Views: 467
Re: Should we consider a Roth 401k?
Have you seen the wiki article here on this decision? I’d start there and if you have any specific questions after that add them to your post.
- Fri Feb 16, 2024 8:22 pm
- Forum: Personal Investments
- Topic: Advice for 53 year old single female
- Replies: 52
- Views: 7786
Re: Advice for 53 year old single female
This is a minor issue that can be avoided with these techniques: https://www.madfientist.com/how-to-acce ... nds-early/chassis wrote: ↑Wed Feb 14, 2024 7:56 pm @Gina To be clear, the advice given so far is to contribute to the 401k to capture the maximum employer match. Not more.
Once the maximum employer match has been captured, my preference is to contribute to taxable accounts for liquidity (immediate availability without additional 10% tax) reasons.
Unless your 401K plan is very poor you should always maximize if you can. OPs plan seems quite good.
- Fri Feb 16, 2024 9:19 am
- Forum: Personal Finance (Not Investing)
- Topic: 14%+ Used Car Loan
- Replies: 44
- Views: 3469
Re: 14%+ Used Car Loan
This might have been true pre covid but I think you’re looking at > 15k for a car that meets that criteria now days. Agreed about getting a cheap car though.aristotelian wrote: ↑Fri Feb 16, 2024 9:16 am Could he be encouraged to purchase a cheaper car? He might not be able to do anything about the interest rate but he is in full control of what car he buys. Should be able to get a nice car with many years left on it for $10k.
- Thu Feb 15, 2024 9:06 am
- Forum: Personal Investments
- Topic: Is a mega backdoor worth it for young investor?
- Replies: 30
- Views: 3368
Re: Is a mega backdoor worth it for young investor?
It’s worth it. There are tricks to getting it out without penalties as listed in Klangfool’s link. I’d put in as much as you can afford today and if you need it early figure that part out then.
- Wed Feb 14, 2024 7:20 am
- Forum: Personal Investments
- Topic: long term bond bet
- Replies: 8
- Views: 561
Re: long term bond bet
Might work out, might not. Either way it’s market timing and generally frowned upon here.
- Thu Feb 01, 2024 8:54 am
- Forum: Personal Investments
- Topic: Fidelity youth account…I have to open a cash management account too…
- Replies: 5
- Views: 885
Re: Fidelity youth account…I have to open a cash management account too…
No caution, CMA is great I use it as my everyday banking checking account.
- Tue Jan 30, 2024 6:40 pm
- Forum: Personal Investments
- Topic: Advice on Fund please
- Replies: 12
- Views: 986
Re: Advice on Fund please
What’s the expense ratio of that?skipfortorch wrote: ↑Tue Jan 30, 2024 5:16 pm Thank you for the advice. I think I’ll go with the northern trust s&p. I have been doing my Roth for the last couple of years.
- Mon Jan 29, 2024 9:01 pm
- Forum: Personal Investments
- Topic: How to “Unwind” a Sliced-and-Diced Roth IRA
- Replies: 47
- Views: 3818
Re: How to “Unwind” a Sliced-and-Diced Roth IRA
Only thing to it is to do it.
- Fri Jan 26, 2024 7:49 pm
- Forum: Personal Investments
- Topic: Porfolio Review
- Replies: 14
- Views: 2185
Re: Porfolio Review
OP, suggest you setup a healthcare.gov account to ballpark health care costs for future planning. Your $4k/month spending will go up once you fully retire. I will look into that, thank you. Also my $4k per month includes $430 per month car payment, and $600 per month school tuition which both will be gone in less than 3 years. So I'm hoping expenses actually go down a bit. I would re-emphasize again; don't carry that car note for 3 years. Pay it off by selling the taxable account tomorrow (I'd have said today, but the market closes in 5 minutes). It's basically buying a 8% yielding CD, GUARANTEED, for the next 3 years! I hear ya. I'm not going to pay it off tomorrow but I can get it knocked out this year with some work bonuses ect. Thank y...
- Fri Jan 26, 2024 12:13 pm
- Forum: Personal Investments
- Topic: Fee-Only Advisor $450/Hour: Total Rip-Off?
- Replies: 97
- Views: 8148
Re: Fee-Only Advisor $450/Hour: Total Rip-Off?
That’s still way cheaper than AUM fee and the advisors have to make their money somehow. A couple of hours to get all the answers you need for your entire investing career seems not so bad.Charles Joseph wrote: ↑Fri Jan 26, 2024 12:09 pm I have been thinking about going to a fee-only advisor for a check-up of my portfolio, and I've seen several that are in the many, many hundreds of dollars per hour, as high as $450 per hour.
This just seems like a rip off to me. How much advice can an advisor give you about your portfolio? I'm really interested in just hearing a professional's opinion about international stock and bond diversification and asset allocation decisions.
But $450 just seems ridiculous. Am I way off base?
- Sat Jan 20, 2024 11:50 am
- Forum: Personal Investments
- Topic: Buying AMD
- Replies: 43
- Views: 5344
- Wed Jan 17, 2024 12:08 pm
- Forum: Personal Investments
- Topic: Place to park some funds-
- Replies: 7
- Views: 805
Re: Place to park some funds-
What is the HYSA paying?mm93 wrote: ↑Wed Jan 17, 2024 10:24 am Hello all, I currently have ~$300k I have parked in a high yield savings account and am not sure it's the best place. These are proceeds from a primary residence real estate transaction from a couple years ago. I need to keep it fairly available should an opportunity for another home arise. It's probably a simple answer, but should I move it to another similar account, something more tax efficient? I am in CA if that makes a difference. Thank you.
- Tue Jan 09, 2024 10:00 am
- Forum: Personal Investments
- Topic: really good rental properly spread sheet
- Replies: 3
- Views: 582
Re: really good rental properly spread sheet
+1 for excel or a free alternative
- Sun Jan 07, 2024 11:06 am
- Forum: Personal Investments
- Topic: Retirement Fund
- Replies: 13
- Views: 2259
Re: Retirement Fund
Here are my options. Most of them say a $3000 Minimum investment. Others are just $1000. So I'm not really sure I can even begin yet. Friends, I promise I'll have way less silly questions and more active participation as far as investing and conversation goes. This topic is more urgent for me now since each paycheck that goes by, I'm losing money. CA IT Tax-Exempt Investor CA LT Tax-Exempt Investor California Muni Money Mkt Capital Opportunity Inv Core Bond Fund Investor Core-Plus Bond Investor Diversified Equity Inv Dividend Growth Fund Emerging Markets Bond Inv Emrg Mkts Select Stk Fund Energy Fund Investor Equity Income Fund Inv Explorer Fund Investor Explorer Value Fund Federal Money Mkt Fund Gbl Positive Impct Stk In Glbl Envir Opps S...
- Fri Jan 05, 2024 8:36 am
- Forum: Personal Investments
- Topic: What to do with old 401K
- Replies: 18
- Views: 1829
- Thu Jan 04, 2024 5:17 pm
- Forum: Personal Investments
- Topic: What to do with old 401K
- Replies: 18
- Views: 1829
Re: What to do with old 401K
That said, I would be considered high-income, and I 've also read to avoid rollover to IRA as this might limit my ability to do a backdoor Roth. It sounds like wrong information. Yea rolling into the new 401k could limit your options. Transferring to a Rollover IRA would give you the option of making Roth conversions. I'm no expert on this as I'm still figuring out the minute details, but to execute a "backdoor Roth" as the OP said, requires that you have a zero-balance Traditional IRA to avoid pro-rata rules. So if you have a Rollover (Traditional) IRA with an $80K balance, that mucks up backdoor Roth contributions, as best I understand it. Note that backdoor Roth is different from a front-door Trad->Roth conversion , despite a ...
- Tue Dec 05, 2023 6:48 pm
- Forum: Personal Investments
- Topic: Selling stocks, going full on BH
- Replies: 38
- Views: 3986
Re: Selling stocks, going full on BH
We use an asset allocation of about 60/40. Why? Because we are retired, living solely off our investments, and this matches our risk tolerance. Furthermore, there are MANY funds with an asset allocation of 60/40 so that we can compare our portfolio to those "benchmarks" to see if we are screwing things up. Some of our low-value tax-advantaged accounts like inherited IRAs and HSAs have single 60/40 fund in them such as VSMGX. (We are not screwing things up.) We rebalance rarely because the portfolio sticks by itself close to 60/40. That's because we have to spend the dividends that our equities pay us in our taxable account (thus reducing the allocation to equities slightly) and equities tend to have a higher return than bonds. Al...
- Mon Nov 27, 2023 6:45 pm
- Forum: Personal Investments
- Topic: Taxable Account
- Replies: 24
- Views: 4538
Re: Taxable Account
I’d invest it at their desired AA.
- Mon Nov 27, 2023 6:37 pm
- Forum: Personal Investments
- Topic: Out of Empower - Into Vanguard, Fido, Schwab?
- Replies: 11
- Views: 1346
Re: Out of Empower - Into Vanguard, Fido, Schwab?
Are you changing employers, if so where are their 410k and 457s held?HappyJack wrote: ↑Mon Nov 27, 2023 2:14 pm Getting ready to switch 401k and 457 out of Empower. Have and existing accounts with VG and BOA Merrill Edge. Not unhappy with either.
Any guidance is appreciated. I know there are threads on "Transfer Bonuses" as well as BH experiences with all the firms.
Thanks!
- Sat Nov 18, 2023 5:44 pm
- Forum: Personal Investments
- Topic: Please help with Bond Fund Question
- Replies: 18
- Views: 2250
Re: Dodge & Cox for the Win!?
As always, I appreciate your help, wisdom and opinions: Dodge & Cox for the Win!? Our Core Bond Holding is Dodge & Cox Income Fund (DODIX). We have held it for many years. The long term performance has been stellar. I am at the point in which I can't see the forest for the trees in that I don't want to fall in love with a fund (I know that it won't "hug me back"). I have always held the belief that the performance of this fund far outweighs the expense ratio (.35%). I recognize that this is "very expensive" compared to some of the available bond fund options. Were inching closer to retirement (early 60"s) - I am wanting to "make sure" that I am hitching to the right wagon (DODIX). Thoughts? Thanks...
- Tue Aug 15, 2023 1:33 pm
- Forum: Personal Investments
- Topic: BND Alernatives
- Replies: 20
- Views: 2713
Re: BND Alernatives
Based on the overwhelming consensus for BND on the board I made a big purchase last month. There has been a huge drop of thousands of dollars in that account. Are there any better investments for "safe" money. I will wait and hold with BND but have some CDs coming do and am looking for a safe money play. To lose "thousands" on BND since July, you would have had to invest at least 100K since BND's share price is down a little over 2% from its July peak. That does not include earnings (annual yield currently 4.46%, or about .4%/month), so the actual paper loss is less than that. That's a substantial amount to invest without being clear on how intermediate bonds behave. I've been there. The "overwhelming consensus&quo...
- Sat May 27, 2023 4:29 pm
- Forum: Personal Investments
- Topic: prudential/empower 401k advice
- Replies: 15
- Views: 1385
Re: prudential/empower 401k advice
Low fees are very important to bogleheads and all of those fees would be considered excellent.
Not a hard consensus on this but below is likely not too far off what folks here think.
> 1.0 bad
< 1.0 meh
< 0.5 ok
< 0.2 good
< 0.1 excellent
- Sat May 27, 2023 4:22 pm
- Forum: Personal Investments
- Topic: Review Investments
- Replies: 42
- Views: 2794
Re: Review Investments
The obvious move is to at least get more interest on the $115k paying 1%. See for example ally bank that’s offering 3.85% on fdic insured, that’s an extra $3200 / year without any additional risk. If you want slightly more risk (moving outside fdic insurance and having some nongovernmental loans) this fidelity money market fund (with $100k minimum but can then drop below the balance once funded) is offering 4.9%: https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 That would be an extra ~$1200 / year over the ally account, or $4400 / year better than your current situation. I agree with paying off the car loan but defer to your wife as the difference in waiting 2.5 months is insignificant particularly if you move to the 4.9% m...
- Thu May 25, 2023 10:25 pm
- Forum: Personal Investments
- Topic: Review Investments
- Replies: 42
- Views: 2794
Re: Review Investments
What Percentage of your total portfolio does each investment represent ? Keep them sorted by account but their percentages should be of the entire portfolio. Number of shares is not a particularly easy thing to review and it will limit the responses you get. What are you contributing to your retirement accounts each year? Can you roll your rollover IRA into your 401k as cash? Can you transfer your Computershare held Gamestop shares in kind into your Fidelity Joint Taxable? I agree with your wife on paying off the car. A guaranteed after tax 5.34% is pretty good. It's also a small enough value that getting rid of it for the sake of simplicity is a worthy goal. A good compromise might be throwing 15k at the car tomorrow, keeping a 100k EF, pa...
- Thu May 25, 2023 7:17 pm
- Forum: Personal Investments
- Topic: Moving money to index funds
- Replies: 14
- Views: 2284
Re: Moving money to index funds
Hello. I am a newbie to personal finance. I have some money in a Fidelity brokerage account that was originally a UGMA/UTMA account. I have: - Fidelity blue chip growth (FBGRX) current value: $98,578.39 cost basis (I don't really know what this means): $43,965.89 $63.51/share - Fidelity Growth & Income (FGRIX) current value: $44,640.21 cost basis: $27,837.47 $30.98/share - Fidelity Zero Total Market (FZROX) current value: $24.73 cost basis $25.00 $14.59/share I want to move the money from the first two into index funds. I'm afraid of screwing this up and incurring a tax bill that I can't afford. I've already had some pretty overwhelming tax bills from this. I bought the FZROX so I could at least stop reinvesting dividends in the same f...
- Fri May 19, 2023 6:38 pm
- Forum: Personal Investments
- Topic: 401K Condsolidation
- Replies: 30
- Views: 2456
Re: 401K Condsolidation
Where is your current 401k plan? Does it offer good low cost fund options and are the other fees generally low? If so roll them all into that if possible. If not then rolling them all except the current one into an IRA may be the best bet.
- Wed May 03, 2023 3:23 pm
- Forum: Personal Investments
- Topic: Post acquisition .. 401k changes .. how to handle
- Replies: 7
- Views: 615
Re: Post acquisition .. 401k changes .. how to handle
ERs and other fees are the keys.
- Tue May 02, 2023 8:58 am
- Forum: Personal Investments
- Topic: Overwhelming to analyze portfolio
- Replies: 11
- Views: 1693
Re: Overwhelming to analyze portfolio
I've looked at this and not sure where to being: https://docs.google.com/spreadsheets/d/1E28C1YTb1jzi3hSKK3ABGvWgTmjSlO5W/edit#gid=876152655 https://www.bogleheads.org/wiki/Using_a_spreadsheet_to_maintain_a_portfolio Does anyone have any recommendations on how to start? thanks Please clarify your question. Are you trying to understand what the spreadsheet indicates, or how to use the spreadsheet? Or something else? Are you comfortable using spreadsheets? How to use the spreadsheet. I'm conformable with formulas and using them. I just don't want to be passive, log into accounts and go "yep, its going up." I want to know why. Are there any examples that I could use to mirror? Start by filling this information out before using the s...
- Mon May 01, 2023 5:56 pm
- Forum: Investing - Theory, News & General
- Topic: [Bank failure discussion mega-thread]
- Replies: 2482
- Views: 212047
- Sat Apr 29, 2023 4:01 pm
- Forum: Personal Investments
- Topic: What type of child account is this?
- Replies: 6
- Views: 560
Re: What type of child account is this?
Was it a 529?
- Fri Apr 28, 2023 8:36 pm
- Forum: Personal Investments
- Topic: Help lowering dividends for lower tax bracket
- Replies: 28
- Views: 3656
Re: Help tweaking my AA
Hi Gr8soul,
This is a little hard to follow. If you update your original post (pencil icon) in this format:
viewtopic.php?t=6212
You’ll get better and more complete responses.
This is a little hard to follow. If you update your original post (pencil icon) in this format:
viewtopic.php?t=6212
You’ll get better and more complete responses.
- Fri Apr 28, 2023 3:39 pm
- Forum: Personal Investments
- Topic: selling most of I Bonds with 0% fixed rate in May
- Replies: 45
- Views: 7845
Re: selling most of I Bonds with 0% fixed rate in May
Now I intend to move money back into stocks eventually at a lower price with SGOV and SCHO as short term holdings. I need to allocate more to stocks because I don't think ibonds will do better than stocks over the long run, and I am now under allocated to stocks according to my desired asset allocation. So market timing? No, It's not market timing. It's called rebalancing. When I get lucky with an outperforming stock ETF that pushes my AA to be significantly overweight stocks, I have a rebalancing system that forces me to sell to get back to the desired AA. I simply moved this money to ibonds short term and now I need to reallocate to stocks because after 2022, I am underweight stocks according to my desired AA even after this recent rally...
- Thu Apr 27, 2023 8:37 pm
- Forum: Personal Investments
- Topic: selling most of I Bonds with 0% fixed rate in May
- Replies: 45
- Views: 7845
- Thu Apr 27, 2023 8:36 pm
- Forum: Personal Investments
- Topic: selling most of I Bonds with 0% fixed rate in May
- Replies: 45
- Views: 7845
Re: selling most of I Bonds with 0% fixed rate in May
So market timing?smartinvestor2020 wrote: ↑Thu Apr 27, 2023 7:26 pm My decision to buy SGOV and SCHO are not permanent. I don't guarantee that these funds will outperform ibonds. I sold a lot of shares of my best performing stock ETF back in 2021 and moved some of the proceeds to ibonds. Now I intend to move money back into stocks eventually at a lower price with SGOV and SCHO as short term holdings. I like being able to rebalance if stocks have a major correction. I can't quickly do this with ibonds.
So there is a bigger reason for this decision. I need to allocate more to stocks because I don't think ibonds will do better than stocks over the long run, and I am now under allocated to stocks according to my desired asset allocation.
- Mon Apr 24, 2023 6:57 am
- Forum: Personal Investments
- Topic: How's this fund allocation plan?
- Replies: 15
- Views: 1127
Re: How's this fund allocation plan?
Hello, I've been working towards adjusting my investment profile to fit a boglehead strategy. After doing some reading/research, I've come up with the below plan. Emergency funds: I have six months of expenses in a HYSA. Debt: -Mortgage: ~$500K remaining, at 1% APR -Auto: ~$55K remaining at 2.2% APR Tax Filing Status: Married Tax Rate: 24% Federal, 9.9% State State of Residence: Oregon Age: 35 Target Retirement age: 55-65 Desired Asset allocation: Not entirely sure - I think slightly more stocks than bonds. I'm interested in a moderately aggressive approach. Approximate total portfolio: $290K Investment accounts: -Roth IRA -Solo 401K -Taxable account Goals: 1.) Responsible, yet moderately aggressive Boglehead approach 2.) Minimize taxes 3....
- Sun Apr 23, 2023 4:57 pm
- Forum: Personal Investments
- Topic: How's this fund allocation plan?
- Replies: 15
- Views: 1127
Re: How's this fund allocation plan?
Hello, I've been working towards adjusting my investment profile to fit a boglehead strategy. After doing some reading/research, I've come up with the below plan. Emergency funds: I have six months of expenses in a HYSA. Debt: -Mortgage: ~$500K remaining, at 1% APR -Auto: ~$55K remaining at 2.2% APR Tax Filing Status: Married Tax Rate: 24% Federal, 9.9% State State of Residence: Oregon Age: 35 Target Retirement age: 55-65 Desired Asset allocation: Not entirely sure - I think slightly more stocks than bonds. I'm interested in a moderately aggressive approach. Approximate total portfolio: $290K Investment accounts: -Roth IRA -Solo 401K -Taxable account Goals: 1.) Responsible, yet moderately aggressive Boglehead approach 2.) Minimize taxes 3....
- Sun Apr 23, 2023 4:56 pm
- Forum: Personal Investments
- Topic: How's this fund allocation plan?
- Replies: 15
- Views: 1127
Re: How's this fund allocation plan?
Hello, I've been working towards adjusting my investment profile to fit a boglehead strategy. After doing some reading/research, I've come up with the below plan. Emergency funds: I have six months of expenses in a HYSA. Debt: -Mortgage: ~$500K remaining, at 1% APR -Auto: ~$55K remaining at 2.2% APR Tax Filing Status: Married Tax Rate: 24% Federal, 9.9% State State of Residence: Oregon Age: 35 Target Retirement age: 55-65 Desired Asset allocation: Not entirely sure - I think slightly more stocks than bonds. I'm interested in a moderately aggressive approach. Approximate total portfolio: $290K Investment accounts: -Roth IRA -Solo 401K -Taxable account Goals: 1.) Responsible, yet moderately aggressive Boglehead approach 2.) Minimize taxes 3....
- Sun Apr 23, 2023 4:51 pm
- Forum: Personal Investments
- Topic: Portfolio check after a brutal 3 year life stretch (things looking up!)
- Replies: 17
- Views: 5243
Re: Portfolio check after a brutal 3 year life stretch (things looking up!)
P.s. what is your current AA?
- Sun Apr 23, 2023 4:50 pm
- Forum: Personal Investments
- Topic: Portfolio check after a brutal 3 year life stretch (things looking up!)
- Replies: 17
- Views: 5243
Re: Portfolio check after a brutal 3 year life stretch (things looking up!)
1) Seems like a good strategy if the fees aren’t high. What are all the available funds and their ERs? Why aren’t you intending to contributing the max? 2) If the fees in your new 403b are low, the fund selection is acceptable, and it accepts rollovers then roll your rollover IRA into it. You could leave it but simplification through consolidation is a worthy goal if it doesn’t cost you too much extra in fees. The longer your investing career the more likely you’ll build lots of small accounts that are a pain to manage and it’s easier to consolidate early and often. 3) As above, at very least combine the two accounts for simplicity. In-kind rollover wouldn’t trigger a taxable event. Additionally if the individual stocks are “such a small pe...
- Sun Apr 23, 2023 10:50 am
- Forum: Personal Investments
- Topic: Fidelity Cash Management Account (CMA) Question
- Replies: 37
- Views: 8227
Re: Fidelity Cash Management Account (CMA) Question
Oops yes I get confused with the CMA vs normal brokerage because they are so similar and nearly equivalent.
- Sun Apr 23, 2023 10:36 am
- Forum: Personal Investments
- Topic: Fidelity Cash Management Account (CMA) Question
- Replies: 37
- Views: 8227
Re: Fidelity Cash Management Account (CMA) Question
You can select different “core positions” cash or mmf as the default way to hold “cash” in the CMA. You can also buy other mmf outside if the core position but that won’t be automatic.
- Thu Apr 20, 2023 8:38 pm
- Forum: Personal Investments
- Topic: Selling funds in 401k
- Replies: 15
- Views: 1415
Re: Selling funds in 401k
I've been contributing to my 401k before I knew anything about investing. I only hold Vanguard 2065 in the account, where I have pre-tax and roth ipc (megaback door) contributions. I want to sell the entire amount to reinvest in other funds. My pre-tax portion is not portable until I leave my company, so I'll just reinvest in the 401k account. I want to sell and rollover Roth IPC portion to Roth IRA. Is there anything I should be mindful of here? I know selling wouldn't be a taxable event. I am curious about thoughts regarding timing the sale (whether I should still abide by not trying to time the market). Does your 2065 fund have a high expense ratio, if not why change? Are you sure you can do an in service rollover of the IPC potion? I h...
- Thu Apr 20, 2023 12:45 pm
- Forum: Personal Investments
- Topic: Advice on investments
- Replies: 5
- Views: 702
Re: Advice on investments
Hello All, I have been through several personal crises one after the other in the last few years and managing money took a backseat. Long story short, I am sitting on cash having pulled out of the market in an impulse move (I know - I have read the forums and realize it was stupid). I would greatly appreciate it if you could me some advice on how to invest the money, especially paying attention to taxes. Thanks Emergency funds: 6 months worth of emergency funds in savings account Debt: Mortgage of $430,000. 15 Year fixed mortgage @2.375% maturing in 2034. Equity in home is $700,000. Tax Filing Status: Married Filing Jointly Tax Rate: 37% Federal, 5.75% State State of Residence: MD Age: 48; Spouse: 49 Desired Asset allocation: 70% stocks / ...
- Sat Apr 15, 2023 1:32 pm
- Forum: Personal Investments
- Topic: Investing During Retirement - recommendation for 2023?
- Replies: 13
- Views: 1564
Re: Investing During Retirement - recommendation for 2023?
Same as it ever was.CatMad wrote: ↑Fri Apr 14, 2023 4:07 pm [Moved into a new thread from: Investing During Retirement --admin LadyGeek]
I have not seen any recent updates on this board. What is your recommendation in 2023 ?
- Thu Apr 13, 2023 8:28 pm
- Forum: Personal Investments
- Topic: Opinions on investing in Avantis funds
- Replies: 10
- Views: 2765
Re: Opinions on investing in Avantis funds
To add to Taylor's post this is what morningstar says: Summary. Avantis® All Equity Markets ETF's management team is just average , but a solid investment process still helps this strategy retain its Morningstar Quantitative Rating of Bronze . The portfolio maintains a cost advantage over competitors, priced within the lowest fee quintile among peers How long of a track record would be sufficient to "prove" it to you: track record to prove that their results tend to be better than their "non-factored" competitors: VT/AVGE, VTI/AVUS, VBR/AVUS, etc. The hardest part of factor investing could be the long periods of underperformance: https://i.postimg.cc/sXGqQj59/why-holding-small-cap-is-so-hard.jpg How patient are you? Lik...
- Tue Apr 04, 2023 11:16 pm
- Forum: Personal Investments
- Topic: Portfolio Review Request
- Replies: 7
- Views: 1508
Re: Portfolio Review Request
Use the Backdoor Roth process then for the full 7500/year/person. No income limits for that.TheMusicNeverStopped wrote: ↑Tue Apr 04, 2023 8:12 pmWe were unable to contribute the last few years due to IRS income limits. This year we should be able to do so.Eagle33 wrote: ↑Sun Apr 02, 2023 12:11 amWhy not contributing $7500/each to your Roth IRAs? You are both are over 50.TheMusicNeverStopped wrote: ↑Fri Mar 31, 2023 12:08 pm Annual Contributions
$16,000 his 401k + 4% match
$30,000 her 401k + 2% match
$6,500 his Roth IRA
$6,500 her Roth IRA