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Personal Finance (Not Investing) • Laid off today, what should I be thinking...
All I have known is work.Ideas are very, very welcome The universe is telling you that it’s time to “know” other things my friend.Statistics: Posted by quadog — Tue Sep 10, 2024 1:03 am — Replies 44 —...
View ArticlePersonal Investments • investing [Where to invest 300k fixed-income]
Schwab Value Advantage Money Fund® – Investor Shares (SWVXX) are currently yielding 5.13%. You can probably find better. I just threw 6 figs in today. Same situation.Statistics: Posted by quadog — Tue...
View ArticlePersonal Investments • Treasury Bills and Notes
Why not???The Trinity Study on Safe Withdrawal Rates did not assume a bucket strategy nor a rolling ladder of individual bonds, just the annualized return of the investment classes which is achievable...
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Personal Investments • Please help, not sure what I'm doing
@ bonesly - Thank you so much for your reply!It's always nice to hear that feedback was useful. You're very welcome! I notice in your example you have her IRA listed with $238,000; she has $283,000 in...
View ArticlePersonal Investments • Portfolio Review - Investor with High Anxiety
Hi. Thanks for the help again.a) With everyone's recommendation, I have changed my Desired Asset Allocation:Desired Asset allocation: 80% stocks / 20% bondsDesired International allocation: 30% of...
View ArticleNon-US Investing • All in? [100% into an all world etf?]
Thanks so far for all the advice. Ok, I will be more specific:I live in Germany and am a civil servant with life time employment. I have a very average middle class income but due to a simple life...
View ArticlePersonal Investments • My bond portfolio is a "zoo with too many...
Why not just 75% BND, 25% SCHP (intermediate term TIPS)?Very simple, very defensible.I read on this forum that there's a downside to a TIPS fund vs. individual TIPS.With individual TIPS you control...
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Investing - Theory, News & General • Modified versions of HFEA with ITT...
Portfolio volatility reduction for different stock/bond correlations between -1 and 1. The maximum diversification benefit occurs when the asset classes are weighted inversely to their volatilities. I...
View ArticlePersonal Investments • account security while travelling?
Always use a VPN when connecting to your financial accounts on public wifi, especially overseas.One day this canard will die.A VPN does nothing to improve your security when traveling. A VPN...
View ArticlePersonal Investments • 60/40 too risky for 73 year old
If that is 60% stocks / 40% bonds, then that is way too risky if one considers the average U.S. life expectancy is 76.1 years. I know everybody thinks they are above average. I would follow the...
View ArticleInvesting - Theory, News & General • Help with theories of "Funding...
I did quick calculations in a spreadsheet.In the year 2053:Income = $27.6K (in 2024 $) = $65K (in 2053 $)Expenses = $50K (in 2024 $) = $117.8K (in 2053 $)$65K/(1.03^29) = $27.6K$50K*(1.03^29) =...
View ArticleInvesting - Theory, News & General • Asset allocation approaching retirement
Hi Forum,My husband (57) and I (55) are planning to retire in 5 years. Up until now, we've used a 60:40 asset allocation and have been comfortable weathering the storms and up and down markets with...
View ArticlePersonal Finance (Not Investing) • whole life - cash out or still hold as...
My statements don’t actually have cost basis so I don’t think that’s universal It’s whatever premiums you have paid adds up toYou can call and find out for sureWith NWM? Every year on the policy...
View ArticlePersonal Consumer Issues • Yet another crawl space humidity question
Daughter's house has a crawlspace. Not in a humid climate, but the winter had the floor much colder than the rest of the house. There were fiberglass batts in-between the floor joists and the dirt...
View ArticlePersonal Finance (Not Investing) • Good Experience with Medicare Advantage...
Minor aside is that regular/original Medicare coverage applies in Canada for people traveling between the lower 48 and Alaska while traveling a direct route with no stopovers in Canada. It is...
View ArticlePersonal Consumer Issues • Anyone have 5G home internet? Experiences?
AT&T has a similar 5G product called AT&T Internet Air. I have had several mailings from them on this product. The cost and features do not appear quite as attractive as Verizon or T-Mobile.A...
View ArticleNon-US Investing • Looking for portfolio advice for early 30s
What do you think of this post in the wiki?https://www.bogleheads.org/wiki/Asset_allocationStatistics: Posted by Siaigi — Wed Sep 11, 2024 12:30 am — Replies 1 — Views 271
View ArticlePersonal Consumer Issues • Downside of canceling US Health Insurance while...
Some states, like California, may impose a financial penalty at tax time if there is a gap in coverage.https://www.ftb.ca.gov/file/personal/fi ... estimator/Statistics: Posted by 123 — Wed Sep 11,...
View ArticlePersonal Investments • Retire From Military or Stay In Longer?
I faced a similar decision about 7 years ago when I retired, although I was a young O-6 and in theory left some pension money on the table.Are you located where you would like to retire? There is some...
View ArticlePersonal Consumer Issues • Retirement Bash - Lake Tahoe?
I read with great interest the footer to another BH’s messages saying that at some point, you are trading time you’ll never get back for money you’ll never spend. With that in mind, although my job is...
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