Investing - Theory, News & General • Re: The Junk in Your Index Fund Is...
What’s the solution?I’m still trying to find the problem.Avoid R2K index funds and use funds that track a better index (like S&P).VSMSX > FSSNX for example10 yr total return:VSMSX 152%FSSNX...
View ArticlePersonal Investments • Re: 64 YO, advisor recomends 70/30 AA
The way I gauge and find my risk tolerance is not by percentage of the asset allocation. Instead, I use the dollar amount of fixed income that I have. Whatever that amount that would cause me to feel...
View ArticlePersonal Finance (Not Investing) • Re: Plans for a recession?
Nothing specific as my employment status is stable and not dependent upon economy. That being said my staffs employment status is influenced by productivity and quality as well to a certain extent the...
View ArticlePersonal Investments • Re: Turning 55 and need a Portfolio checkup
In other words...what would YOU do with this portfolio, if you wanted to retire in 5 years... would like to have $4M[, as that could provide $160k per year at a 4%wd rate. If you want to retire at 60...
View ArticleInvesting - Theory, News & General • Re: Vanguard Outlook: US Bonds >...
Fake ranges again.Equity returns reflect a 2-point range around the 50th percentile of the distribution of probable outcomes. Fixed income returns reflect a 1-point range around the 50th...
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Personal Investments • Re: Need Bonds???...but Which ones?
Don't confuse "bonds" with fixed income. There are other fixed income investments that don't have the same risk as bonds.I have a classical 3 year Zero Coupon Treasury Note, and I can see its net...
View ArticlePersonal Investments • Re: Portfolio Review - Investor with High Anxiety
D) When you have at least 1 to 2 years of expense in cash, that will lower your anxiety.OP has a lot more than 1 to 2 years expense in cash ..Joint Taxable at Chase Bank10.9865% Chase CD (4.75% APY,...
View ArticlePersonal Investments • Re: I'm still a little troubled by the I bond feature...
It is very unlikely that the money in the 529 will be used for education purposes in my lifetime, possibly my yet unborn great grandchildren. It is far more likely to be used to provide me with income...
View ArticlePersonal Investments • Re: AA in retirement
I plan to increase my stock allocation in retirement because I will start getting retirement benefits like pension income that should cover my basic needs. That will increase my risk capacity. If all...
View ArticleNon-US Investing • Re: Offshore account in Jersey
You don't have to file anything in Jersey just by having a bank account there.Statistics: Posted by shcnno — Mon Jul 29, 2024 9:48 am
View ArticlePersonal Finance (Not Investing) • Re: Kids' IRS Form 8606 - Done Correctly?
While the CPA is probably personally capable of correctly filing your return, when they hire a "trainee" or any new employee, any competent accountant will have all data input checked by reliable...
View ArticlePersonal Finance (Not Investing) • Re: How long for funds to clear back into...
Don’t know what push or pull means. Sorry.Sold money market and have a direct link to my BofA account for purchases of equities every week.The value of the money market fund was reduced by the amount...
View ArticlePersonal Investments • Re: Should I stop investing in assets yielding...
I *think* I should stop investing in things like CDs, T-Bills, MMAs, etc. which all hit line 2b on a 1040. Ok, so if I do that, what do I do with the money? Just let it sit there and do .........
View ArticlePersonal Finance (Not Investing) • Re: On-Line Provider for Simple Last Will
If you or DW are still working, see if your employer offers a legal benefit. My spouse's employer offers a MetLife plan and we will soon be going to a local attorney to revise our pretty basic,...
View ArticlePersonal Investments • Re: Why Not Put RMD Directly into Roth, and Withdraw...
As all above indicate, you can't convert RMDs into a Roth. What you CAN do is to take your RMD and THEN do a Roth conversion. This will reduce the size of your pre-tax account so that in the upcoming...
View ArticlePersonal Investments • Re: Back into bond funds - which one?
Nothing can capitalize on a forecast.. forecasts are priced in. Bond funds' prices change due to changes IN the forecast.Correct, the move would have been to invest according to their needs in the...
View ArticlePersonal Consumer Issues • Re: Recommendations for cheap beater truck
Ford or Chevy from Facebook marketplace. We buy one a year for our farm. If it needs to pass inspection it will be hard to find one for that price. Same goes for if you need 4wdStatistics: Posted by...
View ArticleInvesting - Theory, News & General • Re: Blackstone is liquidating...
I wouldn't take that video as any sort of tacit affirmation Blackstone (or any institutional investors, for that matter) are bearish on housing at a macro level. That's a pretty clickbaity...
View ArticlePersonal Finance (Not Investing) • Re: Creeping of Social Security Taxation
I'm always amazed by people who are so opposed to paying taxes (which fund services they use) that they're rather "pay" a 100% virtual tax by not having the income at all. It's a short-sighted...
View ArticlePersonal Finance (Not Investing) • Re: Tree Fell on my property
Otoh, if a large, live, black walnut tree falls into your yard you just made a thousand or two thousand bucks at no cost to you. Unless you agree to let the neighbor sell your new tree and keep the...
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