Personal Consumer Issues • Can't seem to schedule 2025 automatic Roth IRA...
I maximized my Roth IRA contributions for 2024 and am trying to setup automatic Roth IRA contributions for 2025 on the Vanguard site. However, the only year it displays for contributions is 2024 (and...
View ArticlePersonal Investments • Tax efficient way to invest liquid cash in a taxable...
What's the most tax efficient way to invest liquid cash in a taxable account?I have cash which needs to be liquid - may spend it to buy a house in the next 1-5 years depending on the opportunities in...
View ArticlePersonal Finance (Not Investing) • Estate Tax exposure with recent inheritance
My wife and I both Age 70 recently inherited which now puts our joint assets over $10 million. We basically lived on SS benefits and pension so our assets will continue to grow and may someday exceed...
View ArticlePersonal Consumer Issues • Have any of you purchased one of those desk...
If so, was it worth it?I work remote and spend 8-10 hours a day in front of the computer. Even though I workout most days and walk every day, I have found that it is difficult to drop any weight...
View ArticlePersonal Investments • Backdoor ROTH IRA - Delisted stock impact
I currently have a Rollover IRA account with Vanguard, and I’m planning to transfer it into my employer-sponsored 401(k) at Fidelity to enable contributions to a Backdoor Roth IRA. However, there’s...
View ArticleInvesting - Theory, News & General • Financial literacy for kids
Good morning, I was wondering if anyone could make a recommendation. My granddaughter is 13 years old. I would like to give her some books or a course or other resources that can teach her about...
View ArticleInvesting - Theory, News & General • Confidence U.S. inflation won't be...
For the purposes of thinking about inflation indexed vs. nominal bonds, how confident are you that inflation won't be too high in the U.S. on a long-term basis? Thinking decades.Here's the estimates...
View ArticlePersonal Finance (Not Investing) • UTMA tax gain harvesting when kid has...
I would appreciate any pointers or resources to help inform me on these situations, thank you!In 2024 DS#1 turned 16 and got his first job(s) and earned income. He's earned ~$5K in 2024, and 100% of...
View ArticlePersonal Finance (Not Investing) • Mortgage Broker Recommendation
Hello!My niece is wanting to buy a house in Maryland. I know the FR lowered interest rates, however, I don't know if that has reduced mortgage rates or not. Can anyone recommend a good Mortgage Broker...
View ArticlePersonal Finance (Not Investing) • A decade-old Boglehead thanks you
Two weeks ago, I celebrated being a Boglehead for 10 years.This board and its wonderful members have done more for my financial well-being than anything else, thank you.It has been a topsy-turvy year...
View ArticlePersonal Finance (Not Investing) • Get a Long-Term Care Insurance or ?
Me and my spouse are 55 and 53 respectively. I just finished reading the Boglehead's Guide to Investing and they recommend to get this insurance at the age of 60. We are very healthy, eat well and...
View ArticlePersonal Investments • Roth 5-years rule
I keep seeing conflicting info on this: for Roth conversions, does the 5-years rule apply from the conversion date, or the beginning of the conversion year?For example if one converted $10,000 on...
View ArticleNon-US Investing • Advice on my situation and portfolio
Hello, Merry Christmas everyone. This is my first post. I don’t seem to be having any luck in other forums. Mind you, I’ve only asked on Reddit. I’m a UK expat who has been working in the Middle East...
View ArticlePersonal Investments • Thoughts? Downsize my house for cheaper house so I can...
Would greatly appreciate advice/thoughts on below:I’m female (turning 45yrs old in 2 months) and only have 4k saved for retirement in my portfolio at Vanguard (VTSAX). Awful and it feels terrifying...
View ArticlePersonal Investments • Allocation of 401K in Retirement
I looked at the Vanguard retirement target fund to see how they allocated the fixed income portfolio. Excluding the equities in the fund, the fixed income portion is 53% Total Bond Index, 23%...
View ArticlePersonal Investments • Re Balancing
GM10 years ago i found this community it got me out Ameriprise .About us:Emergency funds – $20,000.Debt - Mortgage $140,000 @ 1.99% 7 years to goSS $61,632Tax filing status - Married filing together....
View ArticlePersonal Investments • Ascensus and dividends
As I understand the process, I should have received dividends from Ascensus but did not. The facts:-I initiated transfer of i401k from Ascensus to Schwab in November, using ascensus' "deconversion"...
View ArticleInvesting - Theory, News & General • vanguard 401k statements dont list...
Hi,I got annoyed when I saw vanguard 401k not listing holdings.It only have total account balance and sum of transaction activity in dollars per fund.It should list holdings and the quantity of the...
View ArticlePersonal Finance (Not Investing) • gifting to family
I f I write a check today to my son and he doesn't cash it until next year is that gift included under the 2024 gift exclusion or is it considered a 2025 gift? My fault for waiting so long to gift him...
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Personal Investments • Portfolio review: Final few accumulation years
Friends, it's a good time to get a review. I have some questions and scenarios i would like to get expert input on.Thanks in advance...
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