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Investing - Theory, News & General • NewRetirement Frustrating Results

Trying NR with 2 week free trial and it is pretty frustrating software. My results vary from 15% success to 99% success. I understand that lots of folks have similar experience. Anyone know how I add...

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Personal Finance (Not Investing) • 401K Roth Conversion Tools

Married couple with 5 mil saved in 401k, tIRA. DH55, DW50. Pension at 65 with 50K/year, SS at 70 with 80K current dollar. Need to do Roth conversion now to reduce future RMD tax. What's the best tool...

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Personal Investments • Fund in 401k lineup gravely deviates from stated...

One of the funds in the limited selection of my ADP Mykplan 401k lineup has the following stated objective:State Street Conservative Strategic Balanced Securities Lending Series Fund - Class VII Web...

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Personal Investments • Is there withholding tax on intl bonds?

I know (or I think I know) that if an investor holds an intl equity fund such as VXUS, some of the dividend income is withheld by foreign governments. And for this reason, it often is advised to hold...

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Personal Consumer Issues • Quebec City

My wife and I will be taking a cruise from New York, which ends up in Quebec city. We would like to stay in Quebec for two nights. Does anybody have any experience with Quebec…where to stay and what...

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Investing - Theory, News & General • Index Investing: An Odd Thought...

Imagine a world in which everybody is a BHWhat is the mechanism whereby the index changes the weights of it's holdings ?I cannot see why company market value changes.Statistics: Posted by EricGold —...

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Personal Investments • sequence of withdrawals during retirement--differing...

In this post:viewtopic.php?t=434084I read, among the replies, the following, from two different respondents:"In general withdraw first from a taxable brokerage account during the first years of...

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Personal Investments • How Can One Increase Shares in Vanguard Information...

Retired. A several years ago I did some trimming of profits, selling and buying. I used the funds to buy 3 Vanguard ETFs. One of the ETFs I brought was Vanguard Information and Technology (VGT), but...

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Personal Consumer Issues • Where to Purchase High End New Sport Coat....

This post isn't about debating whether or not one should spend the money on buying high end clothing but instead focused on where to buy it.Normally, I would go to the annual Nordstrom sale and buy...

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Personal Finance (Not Investing) • Mortgage When Calculating Total Debt

Hi Bogleheads!Quick question in regards to calculating your total debt...when including remaining mortgage, do you include your outstanding loan balance (total principle owed) or the principle + the...

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Personal Investments • Rebalancing Roths without bonds

I will be retiring in 7 years and am simplifying my portfolio into a simple mix:36% - Total US Equities Index20% - International Equities Index4% - REIT Index40% - Short-Term Treasuries Index...

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Personal Investments • ways to lock-in gains

DW and I are recently retired. No pensions, and waiting until 70 to collect SS, so are in the decumulation phase. Our target asset allocation is 55/45, although upward movement is stocks has shifted...

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Personal Investments • Portfolio Review Request

Hello Boglehead community! I'm new to the forum and excited to learn from you. I would greatly appreciate a portfolio review and feedback. Thank you!---Age: 34Debt: None, thank godTax Filing Status:...

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Personal Investments • Portfolio Advice

I have learned a lot reading this forum and thank everyone for their thoughts. I have these questions:1. Due to several CD's maturing recently, I have 275K parked in Vanguard Money Market and our...

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Personal Finance (Not Investing) • Buying house with cash or take out a...

Looking to upgrade from a 1900sqft home to a 3200sqft with an impending arrival of a couple of new babies. New house is ~$460k and old house is estimated at $335k before fees.Question: With interest...

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Personal Investments • Indirect rollover from Roth 457 to Roth IRA

I have a small Roth 457B account (~$10K) at an ex-employer. I would like to roll it over into my Roth IRA. Is it possible to get a check from the Roth 457B and put it into my Roth IRA?I am over 59-1/2...

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Personal Consumer Issues • Countertop tankless RO system

By chance anyone have a countertop tankless RO like then water drop K19 or APEC version which looks identical in every way?Seems great compared to under sink.Change one filter once a year or so for...

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Investing - Theory, News & General • Schwab Charitable rebranding as...

Schwab Charitable®, one of the largest national providers of donor-advised funds (DAFs), announced today it has renamed the organization DAFgiving360 and will unveil a new brand in concert with its...

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Personal Finance (Not Investing) • Mortgage Interest Tax Deduction,...

I’m trying to find more information about how the home mortgage interest deduction would work for a couple who is either unmarried or in a registered domestic partnership in California. If the loan is...

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Non-US Investing • Australian financial planning advice (inc 401K and UK...

TLDR: Does trustworthy financial advice in Australia, including in relation to UK pensions and a US 401k, exist? Hi All,I think my spouse and I need financial advice but our situation is a bit unusual...

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