Personal Investments • Going to a 100% Stock Asset Allocation Due to Nice...
My mom is turning 73 later this year. Took her RMD and left it to pay some taxes. She's like 90/10 because her SS and pension is 6 figures and covers all expenses and couple of paid for homes and no...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
So unless there is an annual fee for the credit card the only potential fee is $50 a year on an IRA balance under $250k which could be offset by a credit card sign up bonus (if it has one) or a new...
View ArticlePersonal Finance (Not Investing) • Please Help me find my ideal town in the...
I would recommend renting are you sure you want the winters up there?Statistics: Posted by livingalmostlarge — Wed Sep 11, 2024 2:03 am — Replies 18 — Views 1299
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
This thread keeps getting bumped and I don’t have the energy to understand it. What’s at stake here? Can someone give me the TL;DR?He started with about $3 million. Gambled on TSLA options and won -...
View ArticlePersonal Investments • Rebalance stocks to index funds - tax implications...
From my perspective - unless you plan to hold the stock until you die, or you expect to be in a zero percent cap gains rate in the future, it is just a matter of timing of when you pay the tax, so I’d...
View ArticleNon-US Investing • Early-30s UK-resident US-citizen seeking advice
Hi1) not really. reason is VTI and S&P 500 are buying the same thing. here we usually recommend VT total world stock ETF or similar (MSCI ACWI is also fine)so for you it would be 90% VT10% your...
View ArticlePersonal Finance (Not Investing) • Divorce dilemma [buying out the...
Since the house has been paid off I'll presume it's got some capital gain if sold. Seems like a capital gain exclusion of up to $250K might be valuable to each you and your spouse, If you keep the...
View ArticleNon-US Investing • All in? [100% into an all world etf?]
The Xetra asset class allocation, that is the allocation of all investors in Xetra ETPs (more than a trillion $$) is roughly:Stocks 76%Bonds 17%Gold 5%(the missing 2% are other commodity ETCs, trading...
View ArticlePersonal Investments • Making the Pivot to Current Income Portfolio
Desired AA is 45% Total Bond Index, 40% Wellesley Income, 15% Total Stock Index for the IRAs. Also municipals in taxable is usually kind of a last resort - maybe by re-jiggering a bit, you could avoid...
View ArticlePersonal Finance (Not Investing) • What are the ideal distribution sizes and...
My point is that there is a present value and a future value of money. For example, let's a 30 year-old has $2 million. In some ways, that is like someone in their 60s have $20 million. So this 30...
View ArticlePersonal Consumer Issues • Anchor Holes in Drywall - Do You Actually Fill...
It's been mentioned already, but I agree with joint compound. You have to wait longer, but it sands really really well. There are several spots where I literally can't find where a hole was after I...
View ArticleClik here to view.
US Chapters • Roll Call for the Retirement Class of 2024!
Will retire from academia at the end of the year. Then will start another univeristy. Some retirements don’t stick. Hi YHD and welcome to the Retirement Roll Call and this Very Happy Class of...
View ArticleInvesting - Theory, News & General • Cliff Asness's latest thoughts
This acknowledged factor theory expert now offers an explanation for why factor investing hasn't worked to increase risk adjusted returns for 20 years and has massively underperformed one factor beta...
View ArticleInvesting - Theory, News & General • 2024 Bogleheads Conference:...
Does anyone know whether they still need any volunteers for the conference? Or who I can contact? I am willing to help.Still very interested in volunteers. Please get in touch with Bogle Center board...
View ArticlePersonal Investments • Selling spec-id fractional shares on vanguard brokerage
One can only sell whole shares of an ETF, unless the position is being liquidated.However, it is certainly possible to SpecID fractional sharesExample:Sell 3 shares of XYZSpecID1.6 shares bought on...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
DW wants to move $300k to Schwab from E*Trade for a bonus. Based on this thread it seems getting them to match the $1000 offer from Citi would be the best bet, but I saw some discussion on $2500 from...
View ArticlePersonal Investments • Insight and Advice on My Portfolio, Insurance Needs...
1. Tax Loss Harvesting (TLH) StrategyIf I hold VTI and VOO in a taxable brokerage account, and the market goes down, some tax lots could be eligible for tax loss harvesting (TLH). For example, if I...
View ArticleClik here to view.
Investing - Theory, News & General • Bonds funds vs rolling bond ladders:...
As some stage, I might redo the calculations to compare a 1 to 5 year ladder and fund, but I suspect the conclusions would be the same. A comparison of a 0 to 5 year ladder and a 1 to 5 year fund...
View ArticlePersonal Investments • US estate tax if inherited by a UK citizen
You're conflating probating the Will and administering the estate.Every state's different. In RI the whole process from initial filing and validation of an appointed executor to final disbursement and...
View ArticlePersonal Investments • Bonds Question - Only have short term bonds option in...
I am 43 and have been 100% stock for some time now, I've been lucky as of late but I'm ready to start on a glide path towards a target bond allocation that will grow in share of portfolio as a I age....
View Article