Personal Finance (Not Investing) • Inherited IRA question
Spouse deceased age 72, had not taken her first RMS. I am 75, opted to inherit spouse's traditional and Roth IRAs (on Vanguard they are listed as inherited IRAs). As I read the rules, I owe no RMD...
View ArticlePersonal Investments • Inestment Planning questions
Hello, and thank in advance for feedback and suggestions!Emergency Fund – 6 months+Debt no credit card debt, 2 auto loans, both around 5% ( I do receive auto allowance from work that covers mine),...
View ArticlePersonal Investments • Does Vanguard still have automatic RMDs?
I was actually just wanting to check my status relative to automatic RMDs and disable them if they were enabled.But the Vanguard website is sending me on a wild goose chase. It sends me to this page...
View ArticleInvesting - Theory, News & General • Take short term gain this year, to...
I have currently 25k in LT gain realized this year and 8k ST loss.I have written options expiring on 12/31 that will bring in about 8k ST gain, but it counts as next year apparently.I have two...
View ArticleNon-US Investing • Asset Location In the UK
Most of the asset location article are for the US. Are there any asset location articles for the UK? What would be the recommended asset location?Statistics: Posted by gavinsiu — Tue Dec 24, 2024 8:18...
View ArticlePersonal Investments • interest rate calculation on 2-year Treasury note
I just purchased the 2-year Treasury note at auction.The price was $99.838827.According to treasury.gov , the interest rate is 4.25%How is that 4.25% calculated?Statistics: Posted by Nyc10036 — Tue...
View ArticlePersonal Investments • Mega Backdoor Roth - At What Point is Enough Enough?
I'm looking for thoughts on if and when it makes sense to stop increasing your contributions to a Mega Backdoor Roth instead of trying to maximize all available space in it. Background:We're a early...
View ArticlePersonal Investments • solo401k contribution declined by bank at tax year...
I made a contribution to my solo401k account at the tax year deadline last year (4/15/24) for 2023, but Fidelity cancelled the check because they had closed the account due to inactivity. After they...
View ArticlePersonal Investments • Portfolio Review Check
Hi All. Looking to get some feedback if I may. Thank you in advance!Emergency funds: Three months of all household expenses savedDebt: Mortgage $247K remaining @ 2.625% and vehicles; $45K @ 4.99% and...
View ArticlePersonal Investments • 2025 Plan Review - (Roth/Tradition TSP, Mortgage...
Emergency funds: Saved in a HYSA (Marcus)Debt: Mortgage ($269k, 3.5%); no other debtTax Filing Status: MFJTax Rate: 22% Federal, 0% StateState of Residence: FLAge: 46Desired Asset allocation: 100%...
View ArticleNon-US Investing • Wiring money from Vanguard Brokerage overseas
I'm trying to wire money to the UK HMRC (their equivalent of the IRS), using these wire instructions: https://www.gov.uk/pay-self-assessment- ... nk-detailsBut Vanguard says that they need the account...
View ArticlePersonal Investments • Roth 5 year rule
Should I keep each year's Roth conversion (from traditional IRAs) in separate Roth accounts? Or can I just add another conversion each year to an existing Roth account?The reason for this question is...
View ArticleForum Issues and Administration • Email Notifications
My email notifications on subscribed topic replies have stopped for about a week. How do I go about resolving?Statistics: Posted by dcop — Tue Dec 24, 2024 10:30 am — Replies 0 — Views 70
View ArticleInvesting - Theory, News & General • S&P MidCap 400 Value
I am researching the S&P MidCap 400 value index.https://www.spglobal.com/spdji/en/indic ... alue/#dataDoes anyone know where to find the annual total return of the S&P MidCap 400 value index...
View ArticlePersonal Investments • SWPPX vs SCHX
Hello, I was going to buy SWPPX for my IRA (currently at Charles Schwab). But then I hear it was suggested I buy SCHX instead. Something to do with in case I move brokerages, it would be an easier...
View ArticleInvesting - Theory, News & General • Effects of Roth conversion on estate...
Assuming an estate with a value much greater than the estate tax exemption limit, is Roth more efficient than pre-tax?My understanding is that the tax is calculated on the total estate value minus the...
View ArticleInvesting - Theory, News & General • What day does VTI / VXUS typically...
What day does VTI / VXUS typically post their Q4 dividend? How much are you expecting?Statistics: Posted by FIREGuy88 — Tue Dec 24, 2024 11:28 am — Replies 4 — Views 205
View ArticlePersonal Investments • Vang fund dividend transactions without reinvestments
This morning, I saw my VTSAX (Vanguard Total Stock Mkt mutual fund) holdings and two other funds showing dividend transactions dated 12/23. All my funds are set to reinvest dividends, but there were...
View ArticlePersonal Investments • Roth IRA conversion strategy
Information:* Age DH :: 66* SS DH+DW :: $70k* Annual withdrawal amount from DH IRA :: $60k* DW SS and IRA are excluded from this conversation as they are being set aside for her LTC.I opened and...
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Investing - Theory, News & General • Why does the three fund portfolio...
Is it simply because of simplicity and ease of management? Thank you.Statistics: Posted by tvubpwcisla — Wed Dec 25, 2024 5:02 am — Replies 6 — Views 645
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