Personal Investments • TIAA Traditional for 100% of fixed income?
Although it is low risk, some here would say no risk, with your AA, just me, I would not want 100% in TIAA Trad. My AA is roughly 65/35. In the 35 I have somewhere between a third and half in TIAA...
View ArticleInvesting - Theory, News & General • In anticipation of Taylor's 100th...
Wondering what a one-fund portfolio would look like over that 50 year period - 100% S&P 500.Perhaps you didn't see this in McQ's post:Of course you would have done even better with just the...
View ArticleInvesting - Theory, News & General • To rebalance or not rebalance?
If some funds are doing better why do you want to rebalance? What are some of the pros and cons to this or not doing it?Rebalance, not only keeps your account in the percent allocation that you are...
View ArticlePersonal Investments • Mutual fund in i401k w/Fidelity
Hi,I’m putting 60k into my i401k for 2023 to avoid income taxes, but I’d just like the equivalent of a hysa around 5% to avoid risk. Is it a bad idea to just use one of Fidelity’s top performing...
View ArticleInvesting - Theory, News & General • TIPS ladder math?
Tweaking the formula:If I have a ladder of TIPS, the cash received in each year would be equal to:1) The principle maturing that year = number of bonds * inflation factor * 1,0002) The interest paid...
View ArticlePersonal Finance (Not Investing) • Washington Post: "That 'free' annual...
I went in for my ACA sanctioned yearly physical. I am perfectly healthy but hey... if it's covered... why not? The doc told me to go across the hall to get some blood drawn. He called me the next day...
View ArticlePersonal Consumer Issues • New house replacing locks
I use kwikset smartkey locks on both my house and my rentals. When someone moves out I instantly change the locks to a common key I keep with me for renovations. Immediately when a tenant moves in I...
View ArticlePersonal Finance (Not Investing) • Daughters first paycheck as a medical...
OpCongrats to your daughter and proud parents. Thanks for providing info with real context. Since she is in NYC. She will pay both NYC state and city taxes. Does she recall what she put on W4 as to...
View ArticleInvesting - Theory, News & General • Vanguard Stable Value Fund
What are the VG Stable Value Funds available to investors? Can anyone recommend a SVF outside of VG?Thank youThey don't exist except inside of something like a 401k.They're essentially intermediate...
View ArticlePersonal Finance (Not Investing) • Anyone wished they had worked a few more...
I retired last year at age 54 and have absolutely no regrets. Your finances seem solid so you may be able to retire whenever you would like. Certainly money isn't the only factor in this decision. I...
View ArticlePersonal Consumer Issues • Fleet Vehicle - What car should I choose?
Mercedes vs Tesla vs. Toyota? This is an apples and oranges comparison. Mercedes will have the best ride comfort, most comfortable seats, etc. Tesla will have the best charging network and user...
View ArticlePersonal Investments • Portfolio Diversification
After much analysis for several years, I am sticking with "The simple path to wealth" by JL Collins. If you have earned income and invest a portion of it regularly and are expecting to work for at...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
Why can't we have nice things?Because Vanguard customers want a few extra basis points of interest and will accept some pain to get that.The Fidelity people are laughing at this whole thread I think...
View ArticlePersonal Finance (Not Investing) • Will related issue
What can it hurt for OP to contact the no-kill shelter especially as it appears from my reading that it might be a substantial amount. OP do you have any idea what amount we are speaking of and could...
View ArticlePersonal Consumer Issues • Delta dental and MOVEit data breach: name, SS and...
I no longer have Delta Dental, but received the mail and signed up for the Kroll monitoring service. Delta Dental has already supplied my info to Kroll, so it wouldn't hurt to turn on the...
View ArticlePersonal Investments • Roth conversions in the 22 & 24% tax brackets.
I am just never convinced that prepayment of the tax on withdrawals from a tax differed investment is better than paying the tax as far into the future as possible. 24% is an incredible amount of...
View ArticlePersonal Finance (Not Investing) • Adding Wife to Car Ins
I currently have Geico, and I drive a 15 year old toyota I paid cash for that has under 50k miles on it. My current coverage is as follows:Bodily Injury Liability each person/each occurrence:...
View ArticlePersonal Investments • Retirement Model for Partial Work
What is the retirement model to consider if one has an income that equals one's monthly expenses? Wifey and I both love our work and would keep at minimum one day a week, which would defray all our...
View ArticlePersonal Finance (Not Investing) • VMFXX and 2023 taxes
I came here for the exact same question. Vanguard notes in the 1099 Consolidated supplement the percentage of U.S. government obligations (which in my state is tax-exempt for state) for all funds I...
View ArticlePersonal Investments • Portfolio review please - updated due to significant...
… This is the big change. We will have a non-COLA pension estimated to be $73K a year with me having survivor benefits. Spouse's pension has been frozen effective 6/24. This turns it from a $73K...
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