Personal Investments • Deciding what to do with a parent's annuity
I am reviewing my parent's retirement options now that I am an adult and they are approaching retirement. My biological mother passed away when I was a kid and with the life insurance funds was sold a...
View ArticleInvesting - Theory, News & General • Emotional detachment from investments
A few years ago, while dealing with some traumatic health issues in the family, I felt my stress and anxiety levels reach an all time high. I went on a journey to learn about different philosophies...
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Personal Investments • Asset Allocation Calculations across Portfolio
Hello fellow bogleheads.I am working on rebalancing my entire portfolio across my 401k, Roth IRA, and Brokerage accounts.Below is my new plan for monthly contributions going forward: In grey are the...
View ArticlePersonal Investments • How Do You Trust Your Solo 401k Non Prototype Plan...
In thinking of moving away from Vanguard's transition to Ascensus for solo 401ks, I was looking at some non prototype plan providers like mysolo401k.But how do you trust their plan? Is there a way to...
View ArticlePersonal Investments • Divorcing my SCV fund - A few questions
BackgroundOver the past two years or so, I’ve given myself a crash course in investing after having little to no interest in finance for the first good chunk of my life. After consuming a ton of...
View ArticlePersonal Investments • 401K investment elections
Hi,I currently have a fund in my Fidelity 401(k) that is not performing well. I'm considering switching to the 'Vanguard Institutional S&P 500 Index Trust.' Is this a good choice? Additionally,...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth for 2023 & 2024
My son contributed $6500 to a non-deductible IRA at the end of 2023. He is finally getting around to converting it to Roth, but the IRA account has $130 in interest. He did not have a traditional IRA...
View ArticlePersonal Investments • Can You Search For Your 5500-EZ on EFAST?
Our CPA filed the 5500-EZ last month for us for year 2023.1. Should I be able to find it on EFAST's website search for 5500 forms, or is it correct that it doesn't appear in a search on EFAST since...
View ArticlePersonal Finance (Not Investing) • Created Login.gov Account But Cannot Put...
I created a Login.gov account to create an EFAST account, but I noticed strangely that the Login.gov account has nothing about me except my email address. It didn't ask for my home address, not even...
View ArticlePersonal Investments • Withdraw from Traditional IRA, Roth Convert, or Spend...
Helping a 67 yo single relative with fiances and wanted to get some input about direction and how to best use this tax year and the next few since they will have no earned income. Other income will be...
View ArticlePersonal Investments • How Many EINs for Sole Proprietor Solo 401k
I cannot find a straight answer to this:1. I have an SSN2. I was told to create an EIN for my sole proprietorship when I made a solo 401k at Vanguard.3. This sole proprietorships EIN is used on all...
View ArticleInvesting - Theory, News & General • Brokerage / ETF / custodian risks...
Hi everyone! I'm trying to wrap my head around what are the intrinsic risks of owning a single ETF (VT).For my situation:I would hold VT in individual brokerage accounts at Schwab and IBKR (initially...
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Personal Finance (Not Investing) • Roth IRA Conversion
Trying to plan a few things...Currently I have $436K in traditional 403b and $33k in Roth IRA at age 50 (single man). I plan to travel in 2026 and beyond. Don't expect to have any income after 2025. I...
View ArticlePersonal Investments • Help me understand VBTLX
First time poster here, long time reader. I’m hoping I can get some input on fund VBTLX. I’m 45 years old and presently hold about 25% of our investments in this bond fund. It seems to have lost money...
View ArticlePersonal Consumer Issues • Bordeaux and Basque region (France and Spain) travel
I am considering a 2-week trip in March or April 2025 to start in Bordeaux and end in San Sebastián (where I am meeting a friend). My only plan so far is to stay in Bayonne on the way. I don't know...
View ArticlePersonal Investments • Please Review my Portfolio
Hello, second post for me after a revamp of an overly-complicated previous setup. Essentially trying to do a 3 fund approach in order to give my wife some hope of understanding our finances and plans...
View ArticlePersonal Investments • Are there any differences between FXAIX and VFIAX??
Hello All,I was considering putting money into FXAIX (Fidelity S&P 500 index fund) vs. the VFIAX (Vanguard S&P 500 index fund). Are there any significant differences between the two funds or...
View ArticlePersonal Consumer Issues • dishwasher service warranty denied
My dish machine is filling with water even when off. The service company sent a tech out that said a faulty water supply shut off valve damaged the dish washer and denied my claim (it wouldn't shut...
View ArticleNon-US Investing • Seeking Reliable, Automated Investment Platform for...
Hello everyone,I’m an Israeli citizen looking for an investment platform that allows for “set and forget” automated investments. My requirements include:1. Automatically depositing money into the...
View ArticlePersonal Investments • Correcting a Solo 401K Over-Contribution
Hello,I opened an Individual 401K for myself and my husband last year (2023). We decided to max out our contributions, and contributed a majority of them in April 2024 right before the deadline. My...
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