Non-US Investing • Asset allocation
I am looking for advice on constructing a retirement portfolio. I am a 71 year old South African that is now tax resident in Portugal.I want to move my South African living annuity capital to Europe...
View ArticlePersonal Investments • VTIP, VGSH, and the inflation breakeven rate
This thread is a follow-up to my thread on investing for my dad's possible long-term health care needs. viewtopic.php?t=437659. Thanks to everyone who replied.I have decided to invest 25% in equities,...
View ArticlePersonal Investments • 403(b) plan fees
Hi all,I work at a small non-profit organization that began a 5% match on a 403b plan about 18 months ago. I was thrilled to have the option to get a match, I left a job at a large corporate workplace...
View ArticlePersonal Finance (Not Investing) • Bogleheads approach to making mortgage...
For those who declined to escrow, what kind of bank account do you use to make mortgage payments? I'm considering using a savings account like Ally or CIT, both of which have a relatively high APY....
View ArticlePersonal Finance (Not Investing) • Tesla EV tax credit
Is it true that you have to have a tax burden of $7500 to get the full rebate of $7500 for tax year 2024? I know there is a income limit criteria.When I purchased my vehicle the dealer gave me the tax...
View ArticlePersonal Finance (Not Investing) • Ways to divide assets equally in divorce?
I am talking to someone regarding possible ways to divide assets in divorce. What are some ways to divide it half and half fairly?Here are rough numbers:Home equity: ~225kRemaining mortgage...
View ArticlePersonal Finance (Not Investing) • RMDs
1. I have an IRA with Schwab. Every year they let me know what my RMD is.2. When I and my wife die, a descendant's trust will be created for my son. It will have an inherited traditional IRA. Will...
View ArticleForum Issues and Administration • Being forced to logon every morning
Hi,Did something change? I am now forced to log back into the forum every morning. In the past I would go for weeks without having to do that ….WoodSpinnerStatistics: Posted by WoodSpinner — Wed Aug...
View ArticlePersonal Investments • Difficulties Maintaining a Portfolio of Micro-cap...
In earlier posts, I asked if micro-cap value was enough different from small-cap value to justify an allocation specifically to it, see viewtopic.php?t=434358, and whether small-cap value was still a...
View ArticlePersonal Investments • Investment advice for free money at Vanguard
Dear Bogleheads:I am not good at investment and since I got relative big percentage loss in stocks 1-2 year ago, I have been purchasing T-bills (3 months to 1 year short terms) again and again at 4-5%...
View ArticleSpain • ETF brokers when living in Spain
Hi, this has probably been asked before here but I am new to Bogleheads. I am an EU citizen who moved to Spain recently and want to understand what brokers people in Spain use. I prefer to use more...
View ArticlePersonal Finance (Not Investing) • A different LTCI Question: whether to keep...
The question I pose here is not whether someone who does not currently have LTCI should buy it. Plenty of other threads on that topic. Rather, the question is whether someone who already has LTCI (me,...
View ArticleNon-US Investing • Tax structuring for a return to the UK (part 2)
Hello all.This is a follow on thread from a previous discussion (same title) in March. Started a new thread as I wasn't sure if the historic thread would be easy to resurrect.......So it appears that...
View ArticlePersonal Investments • Can someone explain “kiddie tax”
So i decided to open my 3 kids custodial brokerage accounts. However, in the process of getting all my ducks in a row i came across something called kiddie tax. From what i read, if im reading it...
View ArticlePersonal Investments • Grandparent 529 boost
Interesting article, marginally helpful when considering 529 for grandchildren…“ 529 accounts owned by someone other than the beneficiary's parent no longer affect need-based financial aid.”“ That...
View ArticlePersonal Investments • Sequential Beneficiary IRA Distribution Calculations
My MIL had an IRA that was distributed equally to her kids, including my spouse, after death 20 years ago. IRA distributions were straight-forward and continued by my spouse until death in 2019 before...
View ArticleInvesting - Theory, News & General • Should I be concerned about Vanguard...
I can't find the article, but recently I read something about concerns that companies like Vanguard may have trouble properly diversifying their index funds. This was due to the concern that companies...
View ArticlePersonal Investments • ETFs and cost basis method
I've long held mutual funds in a very simple index strategy. Currently, my son has just started index investing with Vanguard, except he purchased an ETF instead of a Mutual Funds. (Specifically,...
View ArticlePersonal Finance (Not Investing) • Can inaccurate information affect future...
My homeowner's insurance is up for renewal after having it for a year. I was reading over the description of my house, and saw that there are a few inaccuracies:We have metal windows, not woodWe have...
View ArticlePersonal Investments • Last Three Years of Putting Into Tax Deferred Amounts...
Background:I have got 3 more years to go before retiring.For the last 15 years I've contribute exclusively to low cost 2050 targeted plan (55% domestic, 35% international, 10% cash with a tilt to...
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