Personal Finance (Not Investing) • Vanguard doesn't need names of children...
I recently changed my IRA retirement beneficiaries from my three children to the phase "To my descendants who survive me, per stirpes". I asked how Vanguard would know who my children are, and the...
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Investing - Theory, News & General • Total Portfolio Allocation and...
I'm having trouble connecting my intuitive sense of my risk tolerance with the tpaw results.Here is an overall summary of my situation:Using TPAW's default risk tolerance of 12 (RRA=3.05), I end up...
View ArticlePersonal Consumer Issues • Baltic Sea Reading
I read The Memories of Stockholm Sven last summer and absolutely loved it. Technically it mostly takes place in the Arctic, but it's close! It's historical fiction. The writing was absolutely...
View ArticlePersonal Consumer Issues • programmable in-wall timer with sunset/rise not GE?
This Honeywell timer has been going strong for several years now. Honeywell Home RPLS540A1002 RPLS540A ECONOSwitch Programmable Timer Switch, White (Requires 40 W Minimum) https://a.co/d/0dPSOxRKI’ve...
View ArticlePersonal Finance (Not Investing) • Structuring inheritance for young adults
OP, revising your estate plans as your children become self sufficient makes sense. This probably will not be the last time you update your estate plans. Unless there is a capacity or spendthrift...
View ArticlePersonal Finance (Not Investing) • Hire lawyer for simple probate in Florida?
In Florida, an estate of that size must go through probate. The Florida Rules of Probate require a probate case to be handled by an attorney. The first step is filing a Petition for Administration...
View ArticlePersonal Investments • Ideas on simple portfolio?
I am 73 years old with $1.0 MM, 1/2 VTI, 1/2 various Vanguard bond funds (short and intermediate). Is there a simplier less volatile way to invest this money so I don't have to think about it?My 60/40...
View ArticlePersonal Investments • active funds that beat index over last decade
The SPIVA reports are great, and I personally think they are meaningful and actionable.Nevertheless, I think it is frustrating that S&P is sitting on a ton of data and disclosing only one...
View ArticlePersonal Investments • RMD reinvesting
Any thoughts on reinvesting RMD (after taxes).(Don't need it to live off of)Invest this money in something tax-efficient. Broad stock index funds are often a good choice. I say invest it in a way to...
View ArticlePersonal Consumer Issues • Is it me or does Trader Joes stock family portion...
I am single so Tj’ssuits me. No snakes or used car sales people found there.Statistics: Posted by Dottie57 — Sun Jul 07, 2024 10:11 am — Replies 4 — Views 357
View ArticleInvesting - Theory, News & General • Best Bogle Books?
A Random Walk Down Wall Street is the one I enjoyed the most.Have read this one and one of my favorites alsoStatistics: Posted by alex123711 — Sun Jul 07, 2024 10:11 am — Replies 13 — Views 1294
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
Here’s to evolution, as opposed to revolution.Statistics: Posted by rkhusky — Mon Jul 08, 2024 10:11 am — Replies 382 — Views 40654
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Personal Investments • Help with 401k fund pick
Welcome to the forum Your employer's plan offers many good funds to use, and no bad choices, you are very fortunate.Hello,Need help with 401k fund pick on new job.Age: 30 Funds in the plan.Vanguard...
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Non-US Investing • Bad Vanguard US customer service for non-US residents
I tried speaking to a Vanguard representative and he said I need to submit green card renunciation documents to activate my W8-BEN in their system. I was never a green card holder. Not sure how to...
View ArticlePersonal Investments • Request Review of Retirement Accounts Consolidation!
For the sake of your heirs, I would recommend simplification / consolidation. Regards,and for the sake of self. I got dizzy scrolling OP. I used to keep data on Quicken - many, many years ago. Drove...
View ArticlePersonal Finance (Not Investing) • TSP 59.5 Rollover
Also, they're really still using checks? Unless you are doing a 401k -> IRA rollover within the same company, it will be by check. And even then it could still be by check, depending on the...
View ArticlePersonal Investments • Investment strategy for lump sum cash
Hi all,I recently came in to about $450K in cash and am interested in this community's advice on the best investment strategy for it. I'm a personal finance and investment enthusiast and all of my...
View ArticlePersonal Consumer Issues • Should we buy a new car or wait?
One more thought. How long until the oldest kids will be leaving the house? If some of them are older and may be off to college in a few years then you may only need high capacity cars for a few...
View ArticlePersonal Investments • Is this a good international fund?
The number of holdings, should be in the thousands.The MSCI World ex USA Index, which the fund tracks, shows only 829 holdings.Where did you check that the fund tracks that...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
Trying to get my head around taxable first. With taxable, I’ll pay near zero taxes. The biggest drag would be dividends, but you would live off of those anyway. Why wouldn’t you withdraw from tax...
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