Personal Investments • Which traditional IRA do I convert to Roth first
After doing my research, and especially after reading the many responses on this forum, I have decided to take the plunge and start doing Roth conversions. I am 69, DW is 67. I retired in April of...
View ArticleInvesting - Theory, News & General • Bill Bengen: We Should Market Time...
I continue to watch the latest 2024 Boglehead Conference videos and again thank everyone involved for making these available, to the world, free of charge. Honestly I consider this the highest form of...
View ArticlePersonal Investments • how to make a bond ladder when not allowed to buy bonds?
Goal: I want to construct a bond ladder, but retirement plans will not let me buy individual bonds.Background: I am currently employed and have a 401K and 403b through Empower. I do use the...
View ArticlePersonal Investments • BND – Are we at the bottom?
Are bonds (using ticker BND) the “worst” they’ll be?I know the answer to this can legitimately be “who knows”. However, I’m trying to get sense for history and asset worth here.I didn't invest in BND...
View ArticlePersonal Finance (Not Investing) • Advice on Closing Unused Credit Cards and...
Hi All,I’ve been building credit for 14 years and currently have around 30 credit cards. Lately, it’s become a hassle to keep track of them, especially when it comes to getting new physical cards...
View ArticlePersonal Investments • Ed Jones Ugh! - Google sheets question
My dad has some investments with Edward Jones. I know, I know, yuk. Can’t convince him to ditch them.Anyhow, I use Google sheets to track my personal investments using tickers like VFIAX, VOO and BND....
View ArticlePersonal Finance (Not Investing) • HSA Rollovers and Over Contributions
Just realized that we may have an HSA over contribution situation for 2024. We began the year with two individual HSA accounts, then switched to one family account due to change of job in April/May....
View ArticlePersonal Investments • Retirement Planner Tax Gains Harvesting
I just signed up for ProjectionLab. It seems like a pretty good tool.I stopped working this year and currently plan on having no earned income for the foreseeable future. I'm still quite a few years...
View ArticlePersonal Finance (Not Investing) • $30k Vacation Home
My family and I live in Cambodia and are considering purchasing a vacation home here. We rent our primary residence. We are 37 years old and have around $500k in retirement savings. Land and a modest...
View ArticlePersonal Investments • Need advice on municipal bond fund
Hello, This month my investments crossed the rebalance threshold and I’m planning to rebalance within tIRA. However, going forward I don’t have room in tax-deferred accounts to invest in bond-like...
View ArticleNon-US Investing • UK platforms allowing transfer of GIAs from EU
Has anyone had the experience of transferring a General investment account from a EU stock broker to a UK one, and if so which one have you used if the experience was positive?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • (NPR) After a breach? Not much you can do...
Planet Money podcast:How useful, really, are the steps you can take after a data breach?Answer: Freeze your credit, period. There's not much else and everything else falls under the category "(Shrug),...
View ArticlePersonal Investments • FAFSA / CSS end of year preparation in 2024
Hello all,I am hoping to collect either threads here or links elsewhere for advice on what investment actions one should take at the end of the year in preparation for the two year look back for FAFSA...
View ArticlePersonal Investments • Portfolio Questions: Tax Gain Harvest in UGMA,...
I'm hoping the wisdom of the board can help me with a few decisions I need to make as 2024 draws to a close.1) I'm looking to Tax Gain Harvest in my kid's UGMA account. I'll have close to $1800 of TGH...
View ArticleInvesting - Theory, News & General • Numbers of positions vs risks
My two biggest funds (one US and one Canadian large Cap) have 30-35 positions, one of them via my employer & Manulife (with 50% of the MER). I am an happy camper regarding their returns. What I...
View ArticlePersonal Investments • How a mutual fund expense ratio is acutally charged?
I was going through my 457b MissionSquare Retirement portfolio and cannot understand from 01/01/24 through 11/12/24, why my Vanguard 500 Index fund (VFIAX, expense ratio of 0.04%) has charged me...
View ArticlePersonal Finance (Not Investing) • Staggered transition to Medicare from ACA,...
I am either reading it wrong, or there’s something weird about the transition from ACA insurance to Medicare.Specifically, I’m 2 years older than my wife.When I look at CoveredCA for our subsidized...
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Personal Consumer Issues • Any quesadilla maker fans out there?
Yesterday a friend gifted me with their basically-new (used once) quesadilla maker.They're streamlining their kitchen stuff so they said now I could have the chance and a "free shot" to never use it,...
View ArticlePersonal Investments • Fidelity CMA with adult child POD/TOD
My wife and I are semi-retired and traveling more these days, and after a recent failed approach and go-around while flying to Europe I started wondering how my adult son and his siblings (all in...
View ArticleInvesting - Theory, News & General • The 4% Rule - Tested on Different...
Reference: https://pages.stern.nyu.edu/~adamodar/N ... retSP.htmlI played around with the stock market historical records from 1928 to 2023, comparing 30 year rolling periods of investment of stocks...
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