Personal Finance (Not Investing) • Unique Down Payment Situation
Hi all,I have a rather unique situation as I am looking to purchase my first home. My wife and I are very fortunate and combined have ~$1.1M in a brokerage account, and ~200K in retirement accounts....
View ArticleNon-US Investing • [Advanced Voluntary Contributions] pension fund investment...
Hi, i'm 55, have a workplace final salary pension scheme and have been paying into an AVC (advanced voluntary contributions) plan with standard life. i open to retire in 3 years and use the AVC plan...
View ArticlePersonal Finance (Not Investing) • Using deferred comp plan to smooth out taxes
Not sure if this is right place to ask, but here goes. I am retired, DW will work for another 2-3 years. She now has the opportunity to particiupate in company's deferred comp plan. Non qualified. Not...
View ArticleNon-US Investing • Optimizing capital gains before moving to the US
I currently live in Switzerland and hold most of my investments in VWRA (world stocks, IE domiciled).Next year I am likely going to move to the US as a US resident. I'd like to expose my thinking and...
View ArticlePersonal Investments • Is backdoor Roth IRA useful strategy for my situation ?
All, Thanks for your help with this question and all the knowledge shared.I am 40yr old and here is my current portfolio. My spouse is 35 and she is a homemaker. Expected Taxable Income for the year:...
View ArticlePersonal Finance (Not Investing) • Inherited IRA Strategy Advice Needed
I am a single, 61-year-old with a full-time job (roughly $60k per year), never owned a home, pay $1,777 for monthly rent, owe $5,000 on my car, with $400 on my credit card. No other personal expenses....
View ArticleInvesting - Theory, News & General • Why 100% stocks if the SWR is lower?
If it has less chance of survival, why do so many use 100% stocks?Statistics: Posted by alex123711 — Wed Dec 04, 2024 2:54 am — Replies 16 — Views 828
View ArticlePersonal Investments • Roth IRA and pre tax 401k?
I am around 10 years from retirement. I’m planning on withdrawing around 50k a year from retirement accounts when I retire. I believe I will end up with pretty close to the same amount in my 401k and...
View ArticlePersonal Finance (Not Investing) • Mesa Homeowners charge card, no fee for...
Does anyone here have experience yet with the new Mesa Homeowners charge card, one that can be used for mortgage payments without a fee?https://www.nerdwallet.com/article/cred ... e-paymentsIt doesn't...
View ArticlePersonal Finance (Not Investing) • Anyone retired early?
[Topic is now in Personal Finance (Not Investing) - mod mkc]How did you do it? Do you have any regrets? What do you do with your time in retirement? Can you retire too early?Statistics: Posted by...
View ArticlePersonal Investments • 62 Outsourced/Retirment
Hi all, I am having fun diving into so many posts. Thanks for tons on info. I have a few things to ponder, I am a newb to investing and managing retirement funds.My company is outsourcing my job. Last...
View ArticlePersonal Finance (Not Investing) • Car Purchase Advice - College Kid
Hi Bogleheads,Our oldest starts college next year, she has been driving my car when I'm not needing it, want to get a car for her to bring with her.We could easily afford to buy her a new car, but I...
View ArticleInvesting - Theory, News & General • VTI Is the change to its...
A recent supplement to the prospectus indicates the following:Under the revised policy, the Fund will continue to track its target index even ifthe Fund becomes nondiversified as a result of an index...
View ArticlePersonal Investments • Wash sales risk across taxable and tax-deferred accounts
Hello,I am planning to adjust my AA in my brokerage and tax-deferred accounts to make my brokerage accounts more tax efficient. To help with that I want to sell positions in BNDX and VBTLX in my...
View ArticlePersonal Consumer Issues • Apple TV Unavailable on Sony Bravia
I've spent a couple of hours over a couple of days, including with Apple CS. AppleTV worked in the past (a year ago) on my two Sony Bravia smart tvs. I cancelled at that time and just tried to go back...
View ArticlePersonal Consumer Issues • COMPUTER GEEKS: Is the extra performance worth the...
CHOICE:Option 1. $1000- Lenovo X1 Carbon:Processor Gen 12 Intel® Core™ Ultra 5 125U Processor (E-cores up to 3.60 GHz P-cores up to 4.30 GHz)Graphic Card Integrated Intel® GraphicsMemory 16 GB...
View ArticlePersonal Investments • International asset allocation
My current asset allocation plan is 85% US (VTI) and 15% International (VXUS). Were the US to put in effect some of the proposed tariffs, would it be wise to change the ration to something like 70/30?...
View ArticlePersonal Consumer Issues • Walmart Buys Vizio
I wouldn't consider buy a Vizio now. https://www.engadget.com/home/home-thea ... 49239.htmlIMO if you have a Vizio TV now and using the smart features, I think you'll see more ads popping...
View ArticlePersonal Finance (Not Investing) • LTC allocation
I am 69 and DW is 67. I currently have a LTC insurance policy that pays $200/day. DW does not have insurance. We currently have about 60K in a Schwab Growth ETF (SCHG) taxable account that is...
View ArticleInvesting - Theory, News & General • Inherited IRA rules in 2025
A few questions about the Inherited (Traditional, not Roth) IRA rules post-Secure Act 2.0, for those who are not “eligible designated beneficiaries,” and who inherited their IRA’s from parents (or...
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