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Personal Investments • Re: Bond fund duration in retirement
I was thinking of a shorter retirement time period. For example a person who retires at 66 FRA has approximately 15 years remaining according to the social security life expectancy chart. During that...
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Personal Finance (Not Investing) • Re: Help find flaws in retirement numbers
You’ve got $6M dollars. In the olden days, you could build yourself a bionic man for that…..Only if you were Steve in Austin Statistics: Posted by Nestegg_User — Fri Oct 11, 2024 12:04 am
View ArticleInvesting - Theory, News & General • Re: For stocks, you can set it and...
What’s a Personal Inflation Rate?The CPI, or the consumer price index, is how the government measures the overall change in prices over time based on a basket of both goods and services. It’s the most...
View ArticleInvesting - Theory, News & General • Re: New tool for building a TIPS ladder
How about "Duration matched pair of bonds" as a new entry for the drop-down box labeled "Which TIPS to use to fund a year without a maturing TIPS:"?It might work something like this. The duration for...
View ArticleNon-US Investing • Re: Ukrainian starting FIRE journey - need advice! :)
Welcome to the bogleheads!VWCE and VAGF are UCITS ETFs regulated under EU law, not US ETFs.And they are Irish-domiciled ETFs. You can see that by their ISIN starting with IE.I don't understand: why...
View ArticleInvesting - Theory, News & General • Re: After 2022-23, how are we...
The bond math clearly made it dumb. It’s not my fault that the suggestion to do this was when bond yields were at near all time lows. With bonds, you know exactly what you’re getting.You again are...
View ArticlePersonal Consumer Issues • Re: Best < $100 purchase?
The best $45 I ever spent was for my 1st private voice lesson.I discovered that I was doing so many things wrong technically! It still took years for the corrections from that 1st lesson to become...
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Personal Investments • Re: Seeking Advice on My Portfolio
I still am not grasping how MMFs work – please help me understand the basics in terms of what they are, how they differ from stocks/bonds, how they relate to taxes, and if I should factor them into my...
View ArticlePersonal Finance (Not Investing) • Real estate portfolio liquidation strategies
A friend of mine in his late 50s, who is thinking about retiring, recently asked me for advice on how to best liquidate his real estate portfolio.He owns over 20 condos and has taken significant...
View ArticlePersonal Finance (Not Investing) • Re: [Split from "Fidelity as a one...
I was just about to initiate an ACH push from Vanguard to Fidelity CMA. But VG isn't showing ACH as an option for Fidelity, it only shows wire. I'm okay with doing wire, no fees at VG or Fidelity. But...
View ArticlePersonal Investments • Re: Retire with Less Than $1 million?
Retired in a lower cost USA area late in 2005 with a no-COLA pension of $40,782 so that is the equivalent of a barely two comma portfolio, but it has no growth ever. Delaying Social Security to age 70...
View ArticleNon-US Investing • Re: Using 212 Trading Pie function for re-balancing?
The second option because you should have a target allocation that you are comfortable with and stick to that. If you want 70% stocks and 30% bonds, there's no reason to have 75% stocks and 25% bonds...
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Personal Finance (Not Investing) • Re: Bank of America/Merrill Edge -...
Which B of A card should I use for charging L.A. County property taxes? I have the Premium Rewards, which would be 2.625% reward. I assume I could get a Cash Rewards card and pick the right category...
View ArticlePersonal Finance (Not Investing) • Re: TD Bank hit with money laundering
That I will lose access to our money. The bank may close and cut off all contact. Should I now open account at another bank and notify all my ACH accounts which can be a apin. I am nervous. I just...
View ArticlePersonal Consumer Issues • Re: Any free desktop offline password managers...
KeePass has two variants on desktop platforms. There is the traditional KeePass program (currently version 2.57.1) based on Microsoft application development stack. There is a also a fork of KeePass,...
View ArticlePersonal Investments • Re: 529 Plan - How much is enough? What ROR to assume?
I personally decided to save 100% of my flagship state school tuition and room & board and have the rest go to general taxable investing. I will then use either taxable savings or current income...
View ArticleInvesting - Theory, News & General • Re: Why hold nominal bonds at all?...
I just think it is better to look at real expenses against portfolio value than to look at your TIPS yield, covert stock (if you have any) returns to inflation adjusted and assume you are that much...
View ArticlePersonal Finance (Not Investing) • Re: Quarterly Estimated Taxes for Taxable...
is there an easier way?If it won't cause you to overpay egregiously, and you can't use withholding, the simplest and thus perhaps best way is to use the "percent of prior year's tax" Safe harbor: pay...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
I kinda like the new investment option. Might be a minority here but I want a mix of active/passive funds for my investments. Two major target date funds I invest in are from American Funds and T Rowe...
View ArticleInvesting - Theory, News & General • Re: How to get coworkers excited...
…but they quite literally live paycheck to paycheck. This very well be the problem here. If you are worried about making rent and feeding your family, totally reliant on the next paycheck to survive,...
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