Personal Investments • ETF recommendation needed
I am 73 years old and retired. My desire is to have a 50/50 portfolio with just 2 ETF's. My first pick is VTI for equities. I am looking for recommendations for the other ETF. Please let me know your...
View ArticlePersonal Investments • short-term savings for home reno in high-tax bracket CA
New to Bogleheads and trying to educate myself on investing; I'm a female physician in the highest tax bracket in CA and am embarking on a home remodel in appx 12-18 months; I plan to fund the remodel...
View ArticlePersonal Investments • Nephews inheritance I'm the executor
I am the executor on my brother's estate and am charged with looking after my nephew who is 16 inheritance until he becomes 18. I was thinking of an utma but he's getting about 250k Don't think I can...
View ArticlePersonal Investments • Foolish to consider this fixed index annuity?
My portfolio consists of CDs, brokerage account for stocks and ETFs, and a 401(k) account. I'm looking for a safe investment option for $100K, given that I have a high (probably too high) percentage...
View ArticlePersonal Finance (Not Investing) • Traditional IRA to Roth Conversion to...
Seeking some guidance for my DW after getting married earlier this year.I've done backdoor & mega-backdoor Roth contributions for the last 6 years. Very familiar with that process. Would like to...
View ArticlePersonal Investments • Optimizing Vanguard Fund Diversification
I’m new to index funds (this is my first year investing), and I currently hold the following funds in my taxable Vanguard brokerage account:•VTI (Vanguard Total Stock Market ETF): 43%•VXUS (Vanguard...
View ArticleInvesting - Theory, News & General • Interest rates been rising … anyone...
https://www.cnbc.com/2024/11/14/buying- ... igger.htmlAn article where folks talk about rates going up as the fed cuts its short term rates … no one knows where they will go. Plan for it!Statistics:...
View ArticlePersonal Consumer Issues • Recommendations on women's large purse/wallet with...
Hi,Clueless on the subject, but looking for Recommendations on women's large purse/wallet with matching coin purse/ combos.Wife is recommending price point of from $30 to $100 for the combo. I am ok...
View ArticlePersonal Finance (Not Investing) • Erase and Replace - IRA tax withholding
I learned about "erase and replace" where in order to bring up your federal tax withholding - you withdraw from your IRA with 100% fed withholding, then use the 60 day indirect rollover to replace the...
View ArticlePersonal Investments • Understanding VTIP Dividends
VTIP distributes dividends 4 times per year. Do these dividends come out of the share price, or do they accrue outside of the NAV? Looking at its price history, I don’t see price drops on dividend...
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Personal Investments • Choosing the Best Fund for Saving a Down Payment on a...
Federal tax bracket: 37%California tax bracket: 10.3%California capital gains tax rate: 11.3%Finishing up my first year gig, saved up $355,000 currently in VUSXX taxable account (I used MM Optimizer...
View ArticlePersonal Investments • Better in taxable, nominal or TIPS?
First, I realize that having any bonds in taxable is less than ideal, but I dont have space any tax advantaged space remaining and I dont want an asset allocation different than what I currently hold...
View ArticleSpain • Indexa Capital - UK tax treatment?
Hi,I am a UK citizen but Spanish resident. In Spain I have an index fund account with Indexa Capital (Vanguard funds and bonds). In Spain these allow me to delay paying any capital gains tax until I...
View ArticlePersonal Investments • Asset Allocation - Rebalancing a large amount
I've received some great advice here. Some I've implemented but I've yet to address the low percentage in bonds. Before I get to my main question, here's our assets & allocation.Two 401k's (Both...
View ArticlePersonal Investments • Mother is selling her house
My Mother is 85 years old and can't maintain her house anymore. She will be selling house and living off proceeds and Social Security and renting an apartment. I just looked at the 10-yr and 30-yr...
View ArticlePersonal Finance (Not Investing) • Fidelity Roth Self-employed 401(k)...
Fidelity's announcement is news to me. Perhaps others have known about it and I missed it. FYI excerpts and link follow.Coming soon....Fidelity is pleased to inform you that Roth contributions will be...
View ArticlePersonal Finance (Not Investing) • Deadline date? 529 to Roth transfer
I set-up (and started funding) my child's 529 accounts 20 years ago. I stopped putting new money in about 6 years ago. I am the account owner and she is the beneficiary. I would like to transfer some...
View ArticleInvesting - Theory, News & General • Mental Tricks To Help Stay The Course
I have a strong tendency to tinker, so I have been thinking a lot lately about ways to avoid it. This is especially important now that I am nearing retirement, and will need to remain calm during the...
View ArticlePersonal Finance (Not Investing) • Health Insurance - PPO 80 or 90 or HDHP
Hello,I always have decision paralysis choosing health care plans. I was on the PPO 80 the past few years and it was fine, except I broke my ankle this year and would have saved more on the PPO 90. I...
View ArticlePersonal Finance (Not Investing) • Probably Need to “Lose” ’$525,000: Buy...
Given recent events, it seems that managing (or, really, reducing) our income over the next several years has become increasingly important. Let’s say that you have the following assets:$3.5M in index...
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