Personal Investments • What percentage of portfolio do you keep as cash
I am currently at 5% of my portfolio in cash and was wondering if that is the norm (at this stage of the market/political landscape etc?) for people in this group or I am off. Thanks for your...
View ArticlePersonal Investments • What should I do with $1.5 million immediately?
I have $1.5 million from a house sell this week. What do I do with the funds immediately?I want to get them out of the low interest bank account and into something with at least 5%I am planning to...
View ArticlePersonal Finance (Not Investing) • LTD appeal with ERISA
Hi everyone, I have a conundrum that I would like to run past this smart group.I had to leave work in late 2023 due to a disability. I had STD through my work which paid out and now my work LTD should...
View ArticlePersonal Investments • If my mother said farewell to her financial advisor...
If my mother said farewell to her financial advisor, what could she do with the following Class A front-loaded mutual funds?:FUND NAME (CUSIP) American Europacific Growth (298706102) AEPGXBlackrock...
View ArticlePersonal Finance (Not Investing) • Divorce — mortgage impact
My brother is going through a rouge divorce He will retain the home that has a 3.5% mortgage.Since his former wife is on the original mortgage will the mortgage company change and update the interest...
View ArticleInvesting - Theory, News & General • A SORR Subject (The Midlife Remix)
Dear Bogleheads,Sequence of Return Risks (SORR) around retirement is a frequent topic of conversation. Most of us know Michael Kitces insightful work regarding this matter. I find myself in midlife...
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Personal Investments • Yet another TIPS ladder question
Thanks so much for all the great information on TIPS ladders, much appreciated by this first time poster. I think there is something incredibly basic that I am not understanding. Went onto...
View ArticlePersonal Investments • Help me reallocate to 70/30 and stay simple/sane
I'm turning 55, will likely leave BigCorp within a year to do part-time consulting, and have about 86% in equities. I've been puzzling how to reallcate to 70% while keeping my portfolio fairly simple...
View ArticlePersonal Consumer Issues • Trip to fancy Colorado/Utah ski town, around...
Thinking about a family trip to a ski area around Christmas - possibly Christmas 2024 or perhaps 2025. Oldest D and her fiance are in Bay Area, California. The rest of us (DW and I and another D and...
View ArticlePersonal Investments • Fidelity question - advisory fees
For those saying you get access to Fidelity advisors for zero fees, how? I'm on their website and seeing a low of .35 for Robo Advisors and then it scales up from there for other wealth management...
View ArticlePersonal Investments • Portfolio Review: About Time, I Guess
I have been investing since 1990, DIY BH investing for 20 years or more, but have never had a full portfolio review through the forum. You will see remnants of past strategies: Swensen, then Core...
View ArticlePersonal Finance (Not Investing) • After Tax (Non Roth) Split Rollover: 401k...
I'm 67 and retired now. My 401k consisted of 3 types of money. 1) After tax Roth 401k money2) Pre-tax Traditional 401k money3) After-tax non-Roth money. $14,500 ($5000 after tax contributions to a...
View ArticlePersonal Investments • Landed a 2nd job help with additional tax deferred...
Howdy everyone,I just landed a 2nd job in healthcare and I am wondering how to best maximise my retirement accounts. I currently work full time at a hospital with a 401k. The match is low only 1.5% up...
View ArticleInvesting - Theory, News & General • WSJ Reporter doing story on...
Hi Mel. The IRS just put out a statement today that they've sent out a batch of erroneous CP14 (balance due, no math error) notices. Would you post a query on Bogleheads asking if anyone is getting...
View ArticlePersonal Investments • Starting investing at 55 years old
Hello!I am 55 years old single woman, self-employed. I have started investing pretty late, I could say 2 years ago.Two years ago, I opened a Roth IRA with Vanguard with a VTTHX Varguard target fund...
View ArticlePersonal Consumer Issues • [Yet another] backpack recommendation -- Tom Bihn...
Hi all,About 7 years, I ago bought a Travelpro FlightCrew™ 5 22" Pilot Expandable Rollaboard® carryon luggage https://eu.travelpro.com/en-de/products ... rollaboard and it has served me very well. I...
View ArticlePersonal Finance (Not Investing) • Inheritance
All my investments ar at Fidelity. I have assigned the beneficiaries for each of the accounts. Question: will this be sufficient for the beneficiaries to receive the inheritance or in addition i need...
View ArticlePersonal Finance (Not Investing) • Would you buy? Opportunity for us to buy...
We’re 2 months in to our 18 month rental here in SD. The owner, who just purchased this property in Jan 2024, needs to sell. His realtor asked us if we are interested in purchasing the home, else...
View ArticlePersonal Consumer Issues • Portable monitor recommendations?
I am looking to get a portable monitor for use with my laptop as a primary or second screen while travelling. I see some 16" 2560x1600 models in the $110-$150 range, with the $150 ones being 120-144Hz...
View ArticlePersonal Investments • 4% rule and the game
Just curious, how many retirees that longed for the set it and forget it 4% rule returns here, have stopped playing the market game by jumping on 4.5% treasury bonds and 5% Cds before they go away,...
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