Personal Investments • Setting up a simple retirement
Hi all,Here's the mess I have and asking for help to make it simple. Thinking we will need about $40,000 per year from investments, starting in two years if wife claims SS. I am already on SS. Each...
View ArticlePersonal Investments • Seeking Advice on Managing My Mother’s Annuity and...
Hi all,I'm seeking advice on managing my 87-year-old mother's retirement account.Unfortunately, she has an annuity from SEI, supposedly set up by a family "friend." I don't have much knowledge about...
View ArticlePersonal Investments • Target Date Fund
Hello I'm interested in a 2050 target date fund. The two I'm deciding between are actively managed, Fidelity Freedom 2050 (FFFHX) with a SP of $13.91 and an expense fee of .75%, and Fidelity Freedom®...
View ArticleInvesting - Theory, News & General • Could someone retire early with...
Let's say a person living in the US who is very frugal, hates traveling, is an introvert homebody and has a house and car fully paid for wants to retire today at age 47. They had cancer and have other...
View ArticlePersonal Investments • I Want Less Tech
Since I am in retirement, I would like to invest in funds with less of a Tech slant. I will keep my VOO/VTI but wish to balance it with more non-tech funds. Suggestions?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • close my Empower Self-Directed Brokerage...
Hello,I have an Empower Self-Directed Brokerage account within my Empower 401(k) account. My Empower Self-Directed Brokerage account holds about 80% of my Empower 401k; the rest of the funds sit...
View ArticlePersonal Investments • 2024 RMD paper check deposited in '25 - problem?
My elderly mother receives a couple of RMD checks from TIAA each year late in the year (December-ish). TIAA issues them automatically.The checks for '24 were, I presume, issued in December '24, but my...
View ArticlePersonal Investments • When can i start backdoor roth ira for 2025?
I completed a backdoor Roth IRA in 2024. Since it’s already 2025, can I go ahead and start my backdoor Roth IRA for 2025, or do I need to wait until after filing taxes?Statistics: Posted by...
View ArticlePersonal Investments • David Swensen Porfolio
Hello everyone, Many years ago I set up a portfolio in alignment with advice offered by David Swensen (RIP) and haven't tinked w/it beyond a quarterly (maybe an occasional twice a year) rebalance....
View ArticleInvesting - Theory, News & General • Rip Van Winkle Awakes to DFA ETFs,...
For many years I read BH daily, but after I retired eight years ago I slowed down to almost not-at-all. So Rip Van Winkle - that's me!However, somehow, in the midst of my slumbers word has drifted...
View ArticleInvesting - Theory, News & General • 401k/403b/457b loans and reduced tax...
Although 401k/403b/457b loans may have some utility for certain large purchases in a high interest rate regime (when other options are not available), they are often maligned as "double taxation" even...
View ArticlePersonal Consumer Issues • LasFit headlights?
My night vision has gotten somewhat problematic recently, largely due to all the glare from the growing number of increasing number of extremely superbright headlights.I know the standard advice is to...
View ArticlePersonal Investments • What if I don't want the increased dividends that...
I think my question says it all, but to expand a little...I have a sizeable (to me) position in bond fund VBTLX. I understand (as discussed in another thread about bond fund NAVs going south) that...
View ArticlePersonal Investments • Rolled over my pension to rollover ira
Hello I just rolled over my previous employers pension plan to a rollover Ira. Unfortunately my new employer 401k doesn’t allow pensions so this was the next best option. It’s about 23k. Where am I...
View ArticlePersonal Consumer Issues • April Van In France - Nice to Jura?
Last two aprils we drove around and hiked and bicycled in the spanish and french pyrenees. A few tall passes aren't open and there's snow sometimes but we didn't feel constrained because there was so...
View ArticlePersonal Finance (Not Investing) • Tax guidance + forms for bringing in...
Hello Bogleheads,Basics:- we reside in the USA- my spouse has ~40,000 EUR in a European bank account- we've always filed married filing jointly, but never filed a Form 8938 with the IRS because it's...
View ArticlePersonal Investments • Portfolio feedback 44yo, want to retire in 10 years
Emergency funds: 6 monthsDebt: Mortage: $329K @ 2.625% APR. Tempermentally, I want to pay this off, but with that low of a rate, I know that's not necessarily wise.Tax Filing Status: Married Filing...
View ArticlePersonal Investments • Pairing Balanced Funds
Is "tweaking" a single balanced fund portfolio, such as Vanguard VWELX or VBIAX, with one other equity or fixed income fund worth considering?Statistics: Posted by Nadir — Wed Jan 08, 2025 1:12 pm —...
View ArticlePersonal Finance (Not Investing) • Vanguard Exiting Solo 401(k)s--5500-EZ Issue
When Vanguard decided to exit the solo 401(k) business in 2024 I decided to do an in-service rollover (I'm over [edit 59.5] YO) to my Vanguard IRAs--Trad and Roth--of 100% of balances. I did not...
View ArticlePersonal Consumer Issues • Fidelity mailed statements bypass USPS Informed...
We like USPS Informed Delivery and find that it generally works very well. But last year I began to notice that our monthly statements (usually 3 or 4 statements) from Fidelity come without being...
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