Investing - Theory, News & General • Selling long treasury bonds before...
This is a very confusing topic, with many contradicting answers straight from this Bogleheads forum. I have spent many sleepless nights searching but kept getting conflicting answers.Before you...
View ArticlePersonal Finance (Not Investing) • Federal Empl Pharmacy Program
Hello, everyone,I’m a retired Federal Employee on Medicare with FEP Blue Basic option as secondary.I’ve tried to call the appropriate number but when I select option for a rep, it goes dead.So, last...
View ArticlePersonal Finance (Not Investing) • Critique my plan for the next two years
So I'm planning on changing up the status quo come January 1st. Let me know if I have any glaring oversights.Phase 1: January 2025 - March 2025We have been paying an extra $525/month toward mortgage...
View ArticlePersonal Investments • Can't Buy Another Tbill This Morning
I was going to purchase another Tbill this morning and for the past couple hours the service has been unavailable. I've tried on different computers so I assume it is not just me. Hopefully that part...
View ArticlePersonal Investments • Best strategy to manage inherited Roth IRA/Roth 401k...
What's the best strategy for a non-spouse beneficiary (ex: adult children) to inherit Roth IRA/Roth 401k funds with a trust in mind (trust would be listed as beneficiary of retirement account)?a)...
View ArticlePersonal Investments • One Time Lump Sum Pension Offer Decision
Hi Im 61 and retired in March this year. Im due a small pension from a long time ago ex employer a $491 per month at age 65 (4 years from now) with no lump sum option for single life annuity. However,...
View ArticleInvesting - Theory, News & General • Behavioral finance 'nudges' were...
https://www.morningstar.com/news/market ... ed-insteadBy Jessica HallAuto-escalation, auto-enrollment and other helpful features ran into a surprising obstacleWe may be our own worst enemy when it...
View ArticlePersonal Finance (Not Investing) • Best way to exchange Canadian funds to U.S.?
I wonder if anyone has some advice about exchanging Canadian money (in the form of paper checks) into US funds?Sad to say my mother passed away recently, and I’ll be receiving some inheritance funds...
View ArticlePersonal Finance (Not Investing) • Inherited IRA
My father in law passed away at 91 years old. He had a Rollover IRA worth 1.793M (balance as of 08/2024). My wife is one of five siblings. Each received one fifth, or 358,600. My father in law didn't...
View ArticlePersonal Investments • Can either spouse's biz establish QJV's 401k Plan?
Pursuant to a Qualified Joint Venture (QJV), evenly split between spouses filing jointly in a non-community property state, is there any issue whatsoever if a self-employed 401k plan (pre-approved...
View ArticlePersonal Finance (Not Investing) • F.D.I.C. Says Banks Need to Keep a Record...
New York Times article:https://www.nytimes.com/2024/09/17/busi ... napse.htmlTraditional banks holding funds for fintech customers would have to know each person’s identity and keep daily tabs on...
View ArticlePersonal Finance (Not Investing) • Deciding if a tax return is needed to be...
Hello,I am POA for a relative who gets Social Security income of $33,000 and RMDs of $6,500. They are single and over 65. I believe the Social Security income is not taxable, but would federal tax be...
View ArticlePersonal Investments • Portfolio Distribution
Hey ya'll,New into the world of passive investing and wondering if you all had suggestions on how to best distribute.Background: 35 year old male (GI ~$350k), do not own a house/no dependents/loans....
View ArticlePersonal Investments • Portfolio Review
Hi Bogleheads,I’ve been following the forum for a few years now and have learned a lot from you all. I used to have a financial advisor (he was a connection with my parents), but thanks to you all...
View ArticlePersonal Investments • Pension Choices
I am admittedly not very experienced with managing money. Looking for some thoughts on a decision I need to make. Some data. Age: 56Married, wife works occasional short-term contract jobs - she’s the...
View ArticlePersonal Investments • Having trouble reaching my AA
I'm currently using a target date fund of 2050 with a 87/13 AA split between stocks and bonds in my work 403B. I'm 39 years old. When I factor in my other accounts including roth IRA, HSA, and newly...
View ArticlePersonal Investments • Why is my employer using this new approach for selling...
I get RSUs from my employer. In the past when shares vested, at the same time the shares were deposited a portion of them would be sold to cover taxes. The sales price for this transaction was always...
View ArticlePersonal Investments • Ins and Outs of Transfers Between Banks and Brokerage
I am planning to fund online brokerage accounts from my online bank cash accounts. As time goes , I would transferring from Brokerage to bank. What is best way to get problem free transfers ? I have...
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Personal Investments • Building TIPS ladder in Roth IRA in Vanguard...
Howdy, howdy.I have been doing my homework in our Vanguard account, trying to understand how to build a TIPS ladder in my Roth IRA. I think I have it mostly figured out. Please forgive my ignorance...
View ArticleInvesting - Theory, News & General • How to further diversify the Buffet...
This falls into the FWIW category.I recently listened to episode 493 of the Meb Faber podcast. At one point, the host and guests were talking about the Buffett portfolio, which they defined as 80% SPY...
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