Investing - Theory, News & General • Why "traditional" asset...
I have a theory I would like the Boogleheads community to challenge:While traditional asset allocation mixing stocks and bonds can result in reduced volatility and reduced max drawdown of a portfolio...
View ArticlePersonal Finance (Not Investing) • Selling Stocks at Loss - Tax Question -...
Good Morning,I bought some stock in 2020 for a total cost basis of $20,262.88. The stocks did terrible and I sold it for $6930.70 in 2023 so my realized loss was $13,332. I bought some NVDA with my...
View ArticlePersonal Investments • Mid Course correction
I am 67 years old and still working PT, and my wife is 66 and working FT, so I have no SS claims yet. I am very risk-averse and willing to leave money on the table to sleep better at night!My...
View ArticlePersonal Investments • Frequency of rollovers high fee 401k
So my new job has a high fee 401k with Principal Financial Group. 1.5583% aum and American funds with expenses of 0.39%. The plus is that they allow in service rollovers. There is a $50 fee plus...
View ArticlePersonal Investments • ibond question
In the event of the death of a holder of paper ibonds, how difficult is it for the surviving spouse to cash the bonds? What is necessary to complete the procedure?In the past I've had no issue in...
View ArticlePersonal Investments • Trying to help recently widowed friend with late...
My friend, who was more than 10 years younger than her recently departed late husband, told me he had an IRA at Schwab. Her husband did not take his RMD this year yet. She was told she has to take a...
View ArticlePersonal Investments • ESOP rollover
Hello,I have a question regarding my wife's ESOP rollover from her previous employer. She was given three options: withdraw cash, roll over into her 401(k), or roll over into a traditional IRA. She...
View ArticlePersonal Finance (Not Investing) • Social Security office disagrees with...
I used the Open Social Security calculator and Maximize my Social Security to determine when to take my survivor benefit after my husband’s death. They both agreed that I should file for survivor...
View ArticlePersonal Finance (Not Investing) • Elder Law Attorney in Maryland
Friends who live in Maryland and are looking for an elder law lawyer (estate planning, Medicaid eligibility). Any recommendations are appreciated. Feel free to private message me. Thank...
View ArticlePersonal Investments • 529 recontributions not coded as such
For folks who've recontributed to a 529, in the IRS-approved way (college refunds and perhaps similar stuff, recontributed within 60 days), how has your 529 program treated them?We had, across 3 529...
View ArticleInvesting - Theory, News & General • RR episode on passive investing
For those who enjoy a deep dive into passive investing and its effect on the market, I found this week's Rational Reminder episode to be fantastic. Be warned, though, it's highly...
View ArticlePersonal Investments • Should I do a bridge annuity?
Expected retirement date 10/31/24. Will take survivor SS benefit of $2000 starting 12/24. $700 pension begins 5/25. Monthly expenses $6000. Would like to spend a bit more to add in some travel while I...
View ArticlePersonal Finance (Not Investing) • Senior planing?
At what level of wealth do things like trusts and estate planing make sense?My wife and I are mid 60's, fair to good health and retired. On medicare advantage ppo thru my union.No doubt that a long...
View ArticlePersonal Investments • 529 Witdrawal penalty
Dear Bogleheads Gurus,Quick question: I understand that if 529 money is removed for anything except education there is a 10% penalty + federal and state income tax on the gains.Is the gain considered...
View ArticlePersonal Investments • TIPS Ladder?
I currently have an IRA with an investment firm that is actually well diversified and is doing OK but the firm charges 4% per year. I am 72 and have a modest pension from the military and another from...
View ArticlePersonal Finance (Not Investing) • Check Fraud
So I thought this might help others who may have a fraudulent or stolen check.We paid our property taxes in November 2023 in full and the check cleared about 10 days later from our checking account....
View ArticlePersonal Investments • Best time to buy Vanguard funds in relation to capital...
Hello all, apologies for the newbie question.Question: is there a best time to buy VTSAX in a taxable account during the year? Especially in relation to dividend distribution and capital gains...
View ArticlePersonal Finance (Not Investing) • Dilemma-Payoff my mortgage?
Good morning and happy week-end all:Little bit of background:I am 55 yo male, living in New Jersey, married (wife is 54 yo), and a son who is 26 who at present is living with us and planning to move...
View ArticlePersonal Finance (Not Investing) • Estimated Taxes
My wife recently moved to 1099 employment and it is our first foray into quarterly estimates. I am a W-2 employee. This may be a dumb question, but when I'm calculating the estimated quarterly and...
View ArticlePersonal Finance (Not Investing) • Capital gains tax, is my accountant right?
I had a large long term capital gain recently and I am paying my quarterly estimated taxes. I believed I owed 20% LTCG + 3.8% investment tax + state tax.When I sent everything to my accountant, he...
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