Investing - Theory, News & General • Target Retirement ETFs?
I’d be cautious about using the iShares Target Date ETFs, especially in a taxable account, until they get bigger. iShares offered and shut them down a decade ago. So, this is their second attempt at...
View ArticlePersonal Investments • Why I am thinking of not doing Roth conversions...let...
The OP says his RMD's won't start until he's 75. Is that correct? I thought RMD's start at 72/73. What am I missing, here?It depends on age; some of us missed out age 75 by microseconds (okay, more...
View ArticlePersonal Investments • Aggressive Roth options for 16-year old
We used 100% total US stock fund (though at Fidelity), so 100% VTI would be the equivalent at Vanguard. I feel we can introduce international later. Also no need for bonds now, and can also add later...
View ArticleInvesting - Theory, News & General • Comparison of asset allocations
Thanks. That makes sense. If I want to test for annual contributions and rebalance by market weights - do you know how to achieve that?Try this: https://portfoliocharts.com/charts/port ......
View ArticlePersonal Finance (Not Investing) • Payoff Mortgage or Improve Property?
The $200,000 that you mentioned — will that be your total savings going into retirement?Statistics: Posted by delamer — Sat Jul 20, 2024 12:39 pm — Replies 6 — Views 191
View ArticleInvesting - Theory, News & General • list of non-income genearting lower...
Hi,I am trying to find the investments with following constraints.1 risk: that are much lower risk compared to equities. The risk level can be close to US treasury or can be low risk equity ETF. The...
View ArticlePersonal Investments • Good enough AA and good enough all-in-one fund for...
So most of the funds being discussed above really make most sense if you have longer term income and/or legacy targets.You seem to be describing a situation where liquidity/real-value preservation...
View ArticlePersonal Investments • Unrealized gains in VG MF's and ETFs
My concern is if I should be in a VG "total" or "500" ETF or one at a comparable place like Blackrock?The reasoning is that (I believe...so correct me if I'm wrong) other ETFs do not hold unrealized...
View ArticlePersonal Finance (Not Investing) • Should I just rip off the IRA bandaid?
And you're mistaken about the savings on estate tax. I actually just learned this a year or two ago, but there is basically an income tax deduction to the heirs that ensures it is a wash for them such...
View ArticlePersonal Consumer Issues • Worth it to buy a Tesla?
I'll add one other thing...I am a car fan. I read online car magazines (Car & Driver, etc.). One thing I have noticed is that many of the manufacturers cater to the writers by sending them to...
View ArticleUS Chapters • Is the DC Bogleheads meeting on7/21??? Send topic info
At tomorrow's meeting there will be a short presentation on understanding economic data relating to economic growth, employment growth and the unemployment rate, and measures of inflation. The rest of...
View ArticlePersonal Investments • VG Total Stock Market is Tech Heavy. Any Thoughts...
OP,1) How many percents of your portfolio is in VTI?2) What is your asset allocation?3) Unless you are 100% into VTI, why should this worry you?"One thing that has always concerned me is that VTI is...
View ArticleNon-US Investing • UK DC Pension TFLSM, UFPLS, India relocation etc - unable...
Thanks for your reply jg12345. I think Scenario 2 seems the most reasonable. I wonder if it helps thinking it out this way:1) 25% of SIPP in short term bonds, ready to take out2) all the rest invested...
View ArticleInvesting - Theory, News & General • Is Rebalancing Necessary?
A lot of resources say you should rebalance your allocation e.g 70/30 stocks/ bonds quarterly or annually etc. However how necessary is this? Is holding a few years worth of cash/ bonds a viable...
View ArticleUS Chapters • [New] metro Denver Bogleheads Local Chapter Coordinator]
Hello All,I’ll be taking over as the new coordinator for the Denver Bogleheads chapter as Eddie isn’t able to devote time to it right now. The email address will remain as DENBogleheads@gmail.com.I...
View ArticlePersonal Finance (Not Investing) • Valuing state pension
The cash value of a pension is the same as an annuity that would pay out the same monthly benefit. I use an online calculator like this: https://hughcalc.org/rdur.cgiwhere desired years of payout is...
View ArticlePersonal Finance (Not Investing) • RMD withholding to eliminate estimate tax
I found this but I don't know if it applies to all Roth withdrawals:For Fidelity Advisor Roth IRAs:The IRS does not generally require us to withhold federal income tax from your Roth IRA...
View ArticleInvesting - Theory, News & General • 2007 to 2020: The changing advice of...
I have followed CE funds for a long time and think it is dubious that buying when the discount is large and selling when it narrows will produce a better return than the market over substantial...
View ArticlePersonal Finance (Not Investing) • How much to leave kids vs other...
I see a decent number of these threads and they all lack actual detailed numbers. Besides this topic being extremely personal I know some people would be uncomfortable providing actual percentages, so...
View ArticlePersonal Consumer Issues • Can the new iPad Pro replace a laptop?
It can do what you describe, but the 13-in Pro is $1300+, and the Magic Keyboard is another $350. That's approaching the price of two MacBook Airs!The 13-in iPad Air does everything the Pro can, with...
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