Personal Investments • Sold property; where put cash?
Greetings good people,I just sold an out of state rental property and now deciding where to put the cash ($50k; separate from below $); I am thinking VTSAX taxed account. My knowledge level with all...
View ArticleInvesting - Theory, News & General • Re: USA Today: Annuities are key to...
There’s no option for generational wealth…I rather build a portfolio take 4-5% mix of dividends and sell shares until I pass then I can make sure my family has something.Annuities have period certain...
View ArticlePersonal Investments • Re: Help! High tax burden eating away at accumulation...
Questions:1. What other ways can we maximize before-tax investments? (I do plan on getting an HSA set-up this year, but any other ideas?)If you are maxing out your 401k and IRA contributions, then I...
View ArticleUS Chapters • Re: Roll Call for the Retirement Class of 2024!
Early 2024 stopped working, I’m thinking this is it for any job needing commitment. 4 decades of corporate life is enuf. And to prove that point, after I negotiated an exit, a few weeks later they...
View ArticlePersonal Investments • Re: Too Many Funds in my Roth?
So, should I begin to cash out some of the funds, consolidate into fewer funds? If a fund has not performed do I just cash out of that fund and apply the $$ to better performing funds?You should have...
View ArticleInvesting - Theory, News & General • Re: Best one fund for a person who...
Being a decade your junior, I will defer to your wisdom and longevity. I will share some of my personal experience with funds as follows: In fall of 2021 I made a $20,000 purchase of Wellington Global...
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Personal Investments • Re: When to Roth
I try to convert in January So that the appreciation happens in the Roth ?The multiplicative nature of the appreciation negates whether is occurs before or after paying the tax load. Thus the timing...
View ArticleInvesting - Theory, News & General • Re: Direct Indexing Adventure
I have also been doing an "adventure" using the Fidelity International Fund direct indexing product for the past year.My 1-year After-tax returns are close to predicted from the academic literature,...
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Investing - Theory, News & General • Re: 5% portfolio withdrawal rate: 5+...
I thought I would provide an update since I'm one of those weirdos that:A) Has set and followed a % of portfolio withdrawal plan almost exactly since retiringandB) Is happier spending as much as a...
View ArticlePersonal Investments • Re: Back with my Complex Portfolio with High Expenses
I'm happy to report that I've sold all of the funds and ETFs in my IRA and Roth IRA. I've already purchased VTI in the Roth account using any funds that were available, and BND in the tIRA. I need to...
View ArticlePersonal Consumer Issues • Re: Need tires - is $250 tire really better than...
stick to the major brands and look only at tires with these specs or better:- all season- speed rating of H or better (the speed ratings are not consecutive: S T U are worse and W V Y Z are better)-...
View ArticleInvesting - Theory, News & General • Re: Ken Fisher on passive investing
I wouldn’t watch his video or read any of his comments about anything. Crude salesman, not an investing guru.https://www.latimes.com/business/story/ ......
View ArticlePersonal Finance (Not Investing) • Re: VHCOL home purchase
Off topic but you currently save more per month than my wife and I make pre-tax, and I make an above average amount lol. The amount of wealth on this forum might be higher than anywhere else on the...
View ArticleInvesting - Theory, News & General • How to avoid double taxation of...
If there is a thread that already summarizes this topic, please direct me. I haven't been able to find the answer easily in the forum:I want to make my taxable account more tax efficient by selling a...
View ArticlePersonal Finance (Not Investing) • Re: Is this dividend number good enough...
Without going into the debate of are dividends good or not, my question is about the numbers. I anticipate around 68K in dividends and around 35K in interest payments combined this year. Dividends...
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Investing - Theory, News & General • Re: Vanguard 'all in one' funds now...
Yes. I say exactly this to myself every morning in the mirror. +2. It’s far superior to not knowing and being unaware of that knowledge gap.So you hold VT and that's it?For stocks?Yeah, that's all I...
View ArticlePersonal Investments • Can Chase.com tell me how much tax I will pay if I...
Me and my SO invested around 130k into a regular chase investment account in Feb 2020 (roughly 60% VTWAX & 40% VCAIX) then around 12 months later we moved another 26K into that account and it has...
View ArticlePersonal Finance (Not Investing) • Auto/umbrella insurance contract...
We recently were looking to sign up for new auto/umbrella insurance and are a long term couple (living together but NOT married). On the policy contract we’re supposed to sign, the insurance agent has...
View ArticlePersonal Investments • Re: Lump Sum or DCA a large windfall
Within this framework, investing the windfall over a finite time period is a form of diversification, i.e. time diversification. Do you prefer to maximize the expected return or minimize the variance...
View ArticleInvesting - Theory, News & General • Re: USA Today: Annuities are key to...
Based on a quick glance at the LifeX page, it says something like the balance in a deceased shareholder's account is divided amongst surviving shareholders. Now that's a mortality credit! Sounds like...
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