Non-US Investing • Re: UCITS Equivalent to IBIT
And why do you want to buy bitcoin now? It just reached a new all time high. Are sure you don’t have FOMO? What if it crashes 50% or 95% as it has previously? Why not gold? What is the right price for...
View ArticlePersonal Finance (Not Investing) • Re: Direct Transfer to TIAA from Vanguard:...
Still US Mail...I chose to do that by USmail from Vanguard to me vs. Vanguard direct to TIAA, and suggest always doing that.Statistics: Posted by tibbitts — Sun Dec 29, 2024 10:33 am
View ArticleInvesting - Theory, News & General • Re: Now that long TIPS yields have...
I think the logic assumes that real rates are more tightly correlated with growth expectations than nominal rates, and so they are less effective/important at offsetting the equity risk in your...
View ArticlePersonal Consumer Issues • Re: When buying new tires, what is the oldest...
+1Mfr date is not a big deal unless it’s excessive like 2 or 3 years.I think the problem is when 3 year later they don't want to repair the tire bc they said it's too old by DOT date. If you were...
View ArticlePersonal Consumer Issues • Re: Best way to obtain cash from Vanguard for home...
Be very careful with wiring money. A scam is that hackers get into your lawyers, title companies, of banks computers and see all your details then send you an official looking email telling you to...
View ArticlePersonal Investments • Re: How long do you wait before harvesting short-term...
Patience and simply waiting for recovery and profit is a much better alternative. When taking the tremendous risk that is possible when buying an individual stock one should buy it with the...
View ArticlePersonal Consumer Issues • Re: TurboTax 2024 software offer
As @feldman posted above, there appears to be two separate offers within the one Chase offer. One is for the $20 rebate which he believes, and I'm going along with for the moment, applies no matter...
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Personal Investments • Re: I think I have too much cash?
Based upon information provided, these two cash accounts equate to $93,610. I would not see that as too much cash if there were no other cash or cash-like holdings. I am a bit confused as 37% of the...
View ArticlePersonal Investments • Re: Mega Back Door Advice
I have brokerage accounts at Fidelity and Vanguard. I hope to consolidate these in the near future into Fidelity. I currently have an old Roth and and old traditional IRA at Fidelity as well as an old...
View ArticlePersonal Finance (Not Investing) • RMD withholding question when transferring...
If I want to transfer shares from an IRA to a taxable account for my RMD but still want to withhold an amount for taxes, if I have cash sitting in the taxable account will it use that for withholding?...
View ArticlePersonal Finance (Not Investing) • Re: Struggling with decision to pay off...
5 year mortgage at 6.125%Acquired mortgage August 2024Balance is currently 190kMonthly payment is $1650 PI. I pay taxes and insurance seperatelyI would never pay 190K out of my holdings to close out a...
View ArticleInvesting - Theory, News & General • Re: Rebalancing Daily or Annually?
It depends on what you mean by optimal. Daily maintains the risk profile exactly. Longer intervals let winners run a little, so generally slightly higher returns.If by “winners” you mean “stocks”, the...
View ArticlePersonal Finance (Not Investing) • Re: QCD check not yet cashed by charity....
If, however, the QCD check is written by Vanguard, then the date of the distribution would be the date that VG cut the check. In this scenario, it shouldn't matter whether the charity gets around to...
View ArticlePersonal Finance (Not Investing) • Re: Ramsey Foundations in Personal...
I know nothing about Dave Ramsey’s course. I do know that John Campbell at Harvard uses this book (well, the 14th edition) for his undergraduate Personal Finance course. So it’s probably pretty good....
View ArticlePersonal Investments • Re: Portfolio Review Request: Expecting First Child....
I would try and keep your 403(b) contributions going and dip into your EF as needed. That is why you have it, after all. I assume both your jobs are very secure. If not, I might cut 403(b)...
View ArticlePersonal Investments • Re: 100% FXAIX (S&P500) and 15 years to retirement
FXAIX is the Fidelity 500 Index Fund. I have zero invested in bonds.Statistics: Posted by Mikimiki — Tue Dec 31, 2024 11:19 am
View ArticlePersonal Finance (Not Investing) • Re: Monte Carlo vs SWR vs VPW
That simulation has been thoroughly debunked in this post and the ensuing discussion:What I showed was how to do a Monte Carlo simulation of the VPW amortization. I did several different simulations...
View ArticlePersonal Investments • Re: Roth conversion considering life expectancy
Without running many of the variables that may concern you there remains one question.Why do you believe erring on the side of not paying early is the speculative and/or riskier path?No, you have...
View ArticlePersonal Investments • Re: please help me choose bond funds in my 403b
Just keep in mind that this was the worst drawdown in bond fund history. So to make it a valid warning, you need to also say "be prepared to lose 89% of your equity funds if you do" I am fairly...
View ArticlePersonal Investments • Re: AUM Year End Review - And The Results Are......
What were the equities specifically?A list of stocks and stock funds as long as your arm.What proportion is international versus US stocks? That's probably the biggest differentiator in your case....
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