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Personal Finance (Not Investing) • Expecting... twins!
Like most Bogleheads, I (34m) am a super planner. My wife (33f) is also a super planner. We have budgets, weekly attack plans, goals, monthly net worth and balance tracker, etc etcAnd today, my world...
View ArticlePersonal Investments • Fidelity - strategic advisors and tax loss harvesting
Hmmm... $800,000 at a 0.40% AUM fee is $3,200 per year in fees paid, so you can get a $3,000 per year reduction in your taxable income which could actually save you $1,500 per year if your marginal...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields are 60 bp...
If you bought LTPZ near its low in October when it was yielding ~2.5% over its ~19 year duration, you were buying approximately 60% total real return over 19 years (1.025^19). Well, you already got...
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Investing - Theory, News & General • Bonds in Portfolio? Why...I am so...
. . . our pensions will be very good and around 50% of hour highest 3 years of income and there is a small COLA with them and if one person dies the other gets the pension for life.If I had your...
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Personal Investments • Can anyone remember a comparable market to today?
The Dow literally closed at a record high today!And I think we all know why. It jumped right after this headline was posted on CNN:Statistics: Posted by billaster — Wed Dec 13, 2023 11:26 pm — Replies...
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Personal Investments • Personal Investment Advice
I am looking to ask a few questions to make sure I am not making any obvious mistakes in my personal investment program. This is what my 401k options look like:Name - Ticker (if Available) - Asset...
View ArticlePersonal Investments • late career re-balancing and planning
Just put everything in it?Statistics: Posted by LWalker — Wed Dec 13, 2023 11:27 pm — Replies 8 — Views 1645
View ArticlePersonal Investments • Fidelity does not account for wash sale
Is the short term gain net of the long term loss? You had a long term loss which you say was appropriately applied to adjust the cost basis of the replacement shares. (Let’s say that was $100). If you...
View ArticlePersonal Finance (Not Investing) • Intuit's Mint App Shutting...
I just canceled my Credit Karma account after porting over (had been using Mint for 10 years). I've managed to set up Fidelity's FullView - it's not great but at least as useful as CK and seems to be...
View ArticlePersonal Investments • Roth conversion and sequence of return risk
I still don't see a sequence of return risk associated with the conversion.Not specifically regarding OP's case, but generally speaking:The sequence of return risk (SORR) comes from the fact that, if...
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Personal Investments • Purchasing TIPS on secondary market
Does TIPS only work quite well for people who plan to retire in 10~20 years? I saw people are building Tips Ladder for withdrawing back a specific amount each year for living expense supplyments.Since...
View ArticlePersonal Investments • Simplifying Portfolio
I would like to simplify these by consolidating as long as I don't have to pay taxes in the process of doing that....I was thinking of exchanging (not selling) all VTSAX to VTI and VTIAX to VXUS for...
View ArticlePersonal Finance (Not Investing) • Irrevocable trust & Medicaid
There are usually asset and income limits for Medicaid, income usually for health insurance, also asset for elder care (which you didn’t indicate you use nor need).So in some states there are medicaid...
View ArticlePersonal Finance (Not Investing) • Late Bloomers Club: Share Your Net Worth!
In 1989, I was 31 with a negative net worth, and a $36K income with a child on the way.I just retired this year . I was earning 146K/yr and have a net worth of about $2.5 million. Steady employment,...
View ArticlePersonal Finance (Not Investing) • Christmas Gifts (Cash) for Grandkids
What is the current market rate for Christmas cash gifts for grandkids, teens and older?I know DW and I are really cheap, but we're thinking $50 each.What's the current market rate for a new...
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Investing - Theory, News & General • My Case Against Factor Investing
What about making the case FOR factor investing?Factors get enough arguments against them around these parts…I listened to snippets and am not convinced of many arguments against factor investing....
View ArticlePersonal Finance (Not Investing) • Medicare Newbie Questions
But Federal law only guarantees you can buy a Medigap in a limited window when you first become eligible at 65. So I would not be guaranteed to be able to buy Medigap past the age of 65 if I've had...
View ArticlePersonal Investments • fixing the sin of holding bonds in a taxable account
I would not go 100% stock in your taxable account. You might want some bonds (individual treasuries, or ...) for emergency cash, or future purchases. Also, that way you won't have to sell stocks in a...
View ArticlePersonal Finance (Not Investing) • Retiring at age 40 with $2.4M
Regarding taxes:I don't expect the need to pay much if any taxes. This is because the entirety of my portfolio is in an after-tax brokerage (basically just a standard brokerage account where I put in...
View ArticleInvesting - Theory, News & General • Now that rates are coming down
Can't help decide on the allocation strategies. While no one knows the future and market timing is bad, it feels so tempted to see whats coming, Fed lowering the rates next year, the all good treasury...
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