Personal Finance (Not Investing) • Retirement Expenses
Hey Bogleheads...I have been doing more projections based off needs/wants in retirement. Im 32 so have about 33 years to go. Im hoping to have 20% down payment in order to buy a house that Ill...
View ArticlePersonal Finance (Not Investing) • Guilt about Semi-Retirement (Looking for...
I have been working as a consultant for more than 20 years now, but I have recently made the decision to semi-retire in December 2024. The client-based nature of much of what I do has become a drag in...
View ArticlePersonal Investments • Transfer of solo 401k: How long till funds are...
I have a specific question about moving from Ascensus to Fidelity. If I move now I will have to liquidate my account at Ascensus and get a check for deposit into my new Fidelity 401k. Fidelity states...
View ArticlePersonal Investments • Confused about adding SEP IRA to portfolio
Hi all,I've got new questions about my portfolio due to a new avenue for tax-advantaged investing opening up for me. Basic info below, then the questions! Thanks in advance!Emergency fund: YesDebt:...
View ArticlePersonal Consumer Issues • "Roku Channel" credit card charge: what...
Looking at the credit card charges for an elderly friend and there is a charge of ~ $7 for the "Roku Channel". She has a Roku TV that she uses, but I was under the impression that Roku, Chromecast,...
View ArticlePersonal Investments • 401k allocation not diversified enough?
I am 27 years old so I feel like I should be rather aggressive in my investments. However, I was looking at my allocation in my 401k and I realized I probably need a little bit more diversification....
View ArticleInvesting - Theory, News & General • Jason Zweig WSJ- "Chasing More...
https://www.wsj.com/finance/investing/d ... os2&page=1I cannot read it. But I have major position in VEIRX (Vanguard Equity-Income Fund Admiral Shares)This would seem to have impact? In other...
View ArticlePersonal Investments • Managing gift of money in 100+ stocks
Hi,I am in my 40s and my parents generously have gifted their children with inheritance money now. I am extremely fortunate, but also overwhelmed. The gifts were given by in kind transfers of...
View ArticlePersonal Consumer Issues • senior cancelled medigap - is this a mistake to...
How I got involved: a relative in her 70s asked for help with accounts while switching banks. The bank websites are hard for her to use. She had some recurring charges going to the old bank still and...
View ArticlePersonal Finance (Not Investing) • Dependent child (age 20), earnings,...
Our eldest son (generally listed as dependent) has earnings this year that are already getting close to (I believe) the threshold for paying/filing taxes, $14,600. For the sake of this example, say he...
View ArticlePersonal Investments • SPIA vs Bond portfolio?
I would like some feedback on the concept of replacing any bond allocation in my portfolio with a SPIA. This has been discussed by Wade Pfau, and I like the concept of replacing the 30% of total...
View ArticlePersonal Finance (Not Investing) • Looking to do my own taxes - questions
For the past 6 years, I've paid a CPA to do our taxes. This was because my tax situation became more complicated with a marriage and moving to a different state. I've kept this going for convenience....
View ArticlePersonal Investments • Corporate bond RMD withdrawal
I’m 77 and my IRA now holds 32 corporate bonds. For my RMD I have been taking out bond earnings these past few years. Now with cash fully invested in these bonds I plan to withdraw “ in kind”...
View ArticleInvesting - Theory, News & General • Investment community that vows to...
Hi Bogleheads,I am a high net worth individual in my 30s thanks to ETF investing and some of the great insights in this forum. I want to continue growing my net worth but not fond of spending on a...
View ArticlePersonal Finance (Not Investing) • Schwab Amex Platinum annual bonus 1099?
I am moving some money to Schwab and will get a bonus and will also qualify for the $200 per year amex platinum annual credit. On the website it states "The Schwab Appreciation bonus may be taxable...
View ArticlePersonal Investments • Investing for niece
I am looking to invest on behalf of my 21 yo niece. It will be a gift.The seed will be $1500 now, adding $500/year, until age 30.If she were a kid, it would be an UGMA account. Is there an adult...
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Personal Consumer Issues • Allstate: are homeowner insurance carriers...
We decided to change our homeowner's insurance from Amica to Allstate this year. This decision was made in part due to a more competitive rate by Allstate. We have had no claims since we have moved to...
View ArticlePersonal Finance (Not Investing) • Illinois Tax on SGOV
I'm trying to calculate down to the theoretical dollar the ability to retire at 55. Had two questions:1. I am going to be hit hard with taxes as long as I am still working right now. Does that go away...
View ArticleInvesting - Theory, News & General • Question About 60/40 Portfolio
Hello,Quick question. I tried unsuccessfully to find an accurate answer. What has been the historic real return for a 60/40 portfolio?Thanks!Statistics: Posted by Grump99 — Sat Sep 07, 2024 11:31 am —...
View ArticleInvesting - Theory, News & General • Grandparent 529 Plans
I'm planning on setting up a Colorado State sponsored 529 plan for each of my grandchildren with me as the donor/owner. The aggregate contribution limit for each beneficiary is $500,000 in this state....
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