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Personal Investments • Feedback on Asset Allocation
Hello Bogleheads I posted on this Personal Finance thread and have not received any responses, so posting here as seems more aligned to this thread. Any and all feedback welcome. Thanks!I am seeking...
View ArticlePersonal Investments • Re: Wash Sale
I thought VTSAX followed a CRSP index."Spliced" here means that they switched indexes at some point. The VTI prospectus says, "The Spliced Total Stock Market Index reflects the performance of the MSCI...
View ArticlePersonal Investments • Re: All Bond allocation to 401k??
Is there a preferred cadence to retirement plan usage that I should be thinking about and does having all bonds in a 401k affect that cadence??Currently all stock funds fill our taxable ($360k). Our...
View ArticlePersonal Investments • Re: Individual Tips Ladder or Target Retirement Income...
Interestingly enough.... while not protected for inflation.... a 15 year period certain single premium immediate annuity has a payout rate of around 10% right now. $1M from 55-70 would generate an...
View ArticlePersonal Investments • Re: A Fund of US Stocks with High Intl Exposure?
I agree with what is wrong with Japan?And 16% of your international stocks would be what percentage of your whole portfolio?I remember reading about these kokusai funds once and was very puzzled. The...
View ArticlePersonal Investments • Re: What Does Flagship and Flagship Select Levels Get...
Thanks. What I am trying to determine is exactly what level of, and what type of advice I am entitled to, as a Flagship Select client. I am trying to maximize what I get from Vanguard without having...
View ArticlePersonal Investments • Re: New member, need help on portfolio
I appreciate the responses.I did call Vanguard and spoke to someone just to make sure I was reading the cost basis information correctly on my taxable account. I was told that if I sold the TD 2020...
View ArticlePersonal Investments • Re: Maximizing dormant 401ks: How Would You Do It?
Another vote for status quo. Wait until you see if your new employer has a good plan and if they accept incoming rollovers. Rolling over to a Trad IRA after separation appears to be a common reaction,...
View ArticlePersonal Investments • Re: Investment Priority - Check In
457b (Wife): $57k...... Seems like if we continue at the rate we're going, there's going to be a lot of money tied up in retirement accounts that aren't easily accessed for ~20+ more years. You should...
View ArticlePersonal Investments • Re: Washington State Based Donor Advised Funds?
However, the Seattle Foundation thinks that it qualifies:https://www.seattlefoundation.org/demys ... gains-tax/If you elect to go with Seattle Foundation, make sure to check their fees. If the fees...
View ArticlePersonal Investments • Re: Advice Please - Need to complete my 3-Fund Portfolio
Hello, I would appreciate expert guidance with proper setup of my portfolio please. There are lots of good and different ways to set up a portfolio with these building blocks. It just depends on what...
View ArticlePersonal Investments • Re: half high income physician, half financial illiterate
I'm not sure about downgrading to a 1996 Camry, but I might be able to persuade my wife to go back to a one-bedroom apartment. Honestly, we don't need two bedrooms since the baby sleeps with us...
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Personal Investments • Re: 401K Transition at Retirement
Welcome to the forum .More information is needed. What is your desired asset allocation?Do you have any other accounts? It's best to consider all accounts together as a single unified portfolio,...
View ArticlePersonal Investments • Re: Roth vs Traditional 401k contributions when at HNW
Yeah - our employer 401ks don’t allow rolling over a personal traditional IRA, and the solo 401ks seem tied to business contributions. Thus, we had additional taxes per the pro rata rule over...
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Personal Investments • Did we miss out on Rental properties in 2021/22 ?
I am just trying to understand some of the numbers and growth that we may have missed out if any by not choosing to buy more rentals in 2020 to 2021. Not that I can go back and change anything, i am...
View ArticlePersonal Investments • Re: Please help me retire at 55
Should I work until 58 so I don't have any of the SS 35 years with $0 contributions? Does working part-time count for the 35 years?You should create an account on ssa.gov that will help you assess...
View ArticlePersonal Investments • Re: What Does Flagship and Flagship Select Levels Get...
I want rockbottom fees and good online self service. I am sure we all want that.But I am NOT willing to pay a penny more for any level of advice, not a cent to Vanguard.If they offer such advice "for...
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Personal Investments • Re: DRIP Broadcom denied and Vanguard Brokerage account
I would call Vanguard and ask why the particular issues are grayed out (you said it's not just AVGO). Usually there's a "?" that you can hover over to explain things, but perhaps not for the DRIP...
View ArticlePersonal Investments • Re: Inherited IRA fiasco
There is no reason that you’d owe tax twice on the distribution due to your error about placing the funds in an IRA. The next question is how he deals with the 1099-R he receives from Vanguard showing...
View ArticlePersonal Investments • Re: TIAA 403b brokerage window transaction fee for...
My university has moved to the current trendy setup of 403b at universities by having a small set of core funds plus a brokerage window at TIAA. While the set of core funds includes a low cost S&P...
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