Personal Investments • New User, Please Review my Portfolio
Hello Boglehead forum, first time poster, medium term lurker. I read Jack's Bogles Common Sense Book of Investing a couple years ago and the messages really resonated with me. Glad to find your...
View ArticlePersonal Investments • Sell MSFT to buy VTI?
I've had Microsoft stock for about 10 years and made $50k on the stock. I'm wondering if it's worth selling Microsoft and then immediately buying VTI. I have a big loss on another single stock that...
View ArticlePersonal Finance (Not Investing) • Wife has a SS question...
She retired last year. Only had a partial salary that year. She is only 61. I am still working under partial pay. We have enough savings and 401k we could live off them for quite some time however it...
View ArticlePersonal Finance (Not Investing) • Where can I best locate 2024 inflation in...
I went here (https://www.bls.gov/) and simply used the inflation calculator, comparing $1000.00 in December 2023 to current value in October 2024. Is this process accurate enough? I get 2.97%. If I...
View ArticlePersonal Finance (Not Investing) • Should spouse stop Medicare B & D and...
Considering taking a seasonal full-time job with surprisingly excellent health benefits. Spouse is 70+ and has a Medigap Extended Basic plan in Minnesota. I purchase insurance on the private market....
View ArticlePersonal Investments • ESOP cash out for down payment
*** Is it smart to diversify into real estate even given the penalty and my current situation? *** Will purchasing the home in the same year help offset some of the taxes/penalty with first time home...
View ArticlePersonal Investments • Is there a VTI-like ETF that doesn't pass dividends...
Just wondering if there's a version of a "mostly-simple 3 fund portfolio" that minimizes dividends?The VTI holdings in my taxable accounts pay out a non-trivial quantity of dividends (relative to my...
View ArticleNon-US Investing • Investment Policy for move to Poland
Please pick apart any flaws or inefficiencies with the below!I am currently in a tax-free environment and will take up Polish residency in 2025.I will reset my cost basis by selling any equity in...
View ArticlePersonal Investments • 130k Roth Conversion
We are 5 years of from RMD starting at age 73.2024 income of slightly less than $100kOur plan is to use existing cash for a roth conversion in the 22% tax bracket.22% tax bracket, married filing...
View ArticlePersonal Investments • Trust account investment questions
My wife has received 100k in an irrevocable “dynasty” trust. It is unknown how much more money will be placed in it in the future. She is the beneficiary and the trustee. Our goals with the money at...
View ArticlePersonal Investments • Paying 10%
Seemingly the only difference between a Roth conversion and a straight traditional IRA withdrawal (besides the 10% penalty before 59.5) is that the conversion allows for the money to go into the Roth...
View ArticlePersonal Finance (Not Investing) • When signing for Medigap, does one give...
My friend got a Medigap plan she might be interested in off medicare.gov with Mutual of Omaha. She said guy had her on phone over an hour, took her Social Security, Medicare # and credit card number....
View ArticlePersonal Finance (Not Investing) • Unusual fraud on Amex Gold
I received an email today from Amex, telling me that "As part of our regular security monitoring, we've determined that your Card number may be at risk. To protect against fraud, we've issued a...
View ArticleInvesting - Theory, News & General • Reversion to the mean. What’s the...
People speak of the value that of a market reverting to the mean over a long time duration. But , Is there a theory/model that explains that the mean value of market is? Is it strictly just based on...
View ArticlePersonal Finance (Not Investing) • Reform IRMAA
Are there any proposals to leave the big 'one dollar over' steps behind in favor of gradual revenue neutral increases in Medicare charges similar to what the IRS does with tax filings?I don't oppose...
View ArticlePersonal Investments • Where Did Your Plan Go Wrong, and How Did You Adapt?
"...I have always found that plans are useless, but planning is indispensable" - Dwight D. Eisenhower"Everybody has a plan until they get punched in the mouth." - Mike Tyson"Man Plans, and God...
View ArticlePersonal Investments • Vanguard Mutual Fund Trading Restrictions - In-Kind?
Vanguard typically requires 30 days between online selling/transferring from a fund and repurchasing the same fund in the same account. Does an in-kind "transfer" to the same fund in a different...
View ArticlePersonal Investments • My AA to reach early retirement number
Does my AA make sense to reach early retirement number?Age 54 spouse 50Both employedHave reached retirement number for age 67Goal to reach early retirement number Hsa, 401K, rollover, roth, taxableAll...
View ArticlePersonal Investments • Fidelity bonus and a question
I met with a Fidelity advisor (no fee) to consolidate more of my holdings and simplify. They were not pushy and understood I was not looking for advice. My portfolio is 60/40 with index funds. Without...
View ArticlePersonal Finance (Not Investing) • Chase Bank lost it's way!
We have a checking account at Chase.My wife wanted to transfer money from the account to our checking account at our brokerage.- the link was verified by Chase by sending two small deposits and...
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