Personal Investments • Re: Down payment fund (Calif.) ~3-5 years in future
Sorry if this is a tangent, but I was not familiar with the CALI ETF that you mentioned. It seems like a potentially attractive alternative to VUSXX for some of my cash as a CA resident in a 3x% +...
View ArticlePersonal Investments • Re: 4% rule. Leaving money on the table?
Here are 3 notes I made when 1st researching the 4% rule:* 4% handles the WORST historical scenario; 6.6% is the sustainable withdrawal rate based on average returns.* Over 2/3rds of the time the...
View ArticlePersonal Investments • Re: Newbie trying to interpret graph
It shows having a 96.7% chance of not going bankrupt. Is a 0% tax rate realistic?The 0% tax rate means the investor is including taxes in his expenses rather than specifying the spending and then...
View ArticlePersonal Investments • Re: I Want Less Tech
International will prevent overlap.Just about every domestic alternative is going to give you more of some of what you have, even thought you want less of some of it too.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Refrigerator Filter
We have a Whirlpool refrigerator that uses a No. 4 filter. They recommend changing the filter every 6 months (of course they want to sell filters). We have had the unit for about 4 years and it still...
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Personal Investments • Re: Husband bought big in Nvidia last month ...now what?
NVDA closed at all time high Does your husband have any other great investing ideas for 2025 you can share with us? Statistics: Posted by Johninvestor — Tue Jan 07, 2025 3:50 pm
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
Hi Folks,Over the past year, the S&P 500 has appreciated by 24%.Would it work to transfer out the gains from Robinhood to another account, then transfer them back into claim a new transfer bonus?...
View ArticlePersonal Investments • Re: What should I change
My stab at the funds:52% FID 500 INDEX (FXAIX)18% FID INTL INDEX (FSPSX)30% FID US BOND IDX (FXNAX)I'd prefer an inexpensive total US market fund instead of the S&P, but I didn't see one in the...
View ArticleInvesting - Theory, News & General • Re: Anyone else staying very...
OpI retired 2021 with 2.69 million, at 64 now and portfolio is currently at 3.4 million, my AA is 98/2, my goal is to get to 10 million in 10 years.I'm single, no children and plan to leave my estate...
View ArticleInvesting - Theory, News & General • Re: Using leverage as a young person
BUT! Is the S&P500 not protected by circuit breakers, where trading is halted if a large single day decline is encountered. The likes of UPRO probably use Futures/Options in order to scale up...
View ArticlePersonal Finance (Not Investing) • Re: Any downside to disenrolling in FEHB...
Not sure whether this is the last I'll have to report on this issue, but it does demonstrate why GEHA (or any FEHB insurer) shouldn't enroll a member in a program without permission...The letters...
View ArticleInvesting - Theory, News & General • Re: Now that long TIPS have cracked...
As a newbie to TIPS, I have a couple questions:1. Is there a published curve of TIPS yields vs duration that can be queries for a given date (similar to the curve for nominal treasuries at...
View ArticleInvesting - Theory, News & General • Re: WisdomTree 90/60 US Efficient...
It IS a poor diversifier when compared to VTI. UNLESS interest rates go to 0% again and you get a seismic bull market in T-Bonds. That's the whole point here. You need a huge outlier move in the bonds...
View ArticleInvesting - Theory, News & General • Re: WisdomTree GDE: 90% Large Cap +...
The way I've heard it put is that gold is like a zero coupon bond of infinite duration.Since 1980 Bonds have done well, 2.73% annualized real.A barbell of T-Bills and Long dated Treasury's (that...
View ArticlePersonal Consumer Issues • Re: [On-going Scams - Post them here]
I merged Rocinante Rider's thread into the ongoing discussion.Statistics: Posted by LadyGeek — Wed Jan 08, 2025 4:05 pm
View ArticleInvesting - Theory, News & General • Re: Single best book for basic...
She could go to 403bwise.org and listen to their podcast titled "Learned by Being Burned."Also "Millionaire Teacher" would be good.Statistics: Posted by Harmanic — Thu Jan 09, 2025 4:25 pm
View ArticlePersonal Investments • Re: Investment Software
This far away from retirement? Use the free ones. Try TPAW.Yea I know it’s pretty far and if I was looking to retire later like in my 60s I wouldn’t be as concerned about it based on my knowledge and...
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Personal Investments • MYGA/TIPS ladder as bridge to SS
Hi Forum,Would love to hear your thoughts about creating a ladder as a bridge to delaying SS with each “rung” being 50% MYGA and 50% TIPS—a “MYTI Ladder”— if you will. Not sure if it would indeed be...
View ArticleNon-US Investing • Re: Avoid US concentration risk with a GDP-weighted portfolio
US GDP has double from 2008 to now but SPY has balooned 6 times in same time period , China GDP has maybe gone 100 times but the stock market is heading down .Statistics: Posted by manuvns — Thu Jan...
View ArticlePersonal Finance (Not Investing) • Re: Business meals-100% Deductible?
I would look at Schedule C instructions for initial guidance. IRS documents is normally my first stop.https://www.irs.gov/pub/irs-prior/i1040sc--2021.pdfStatistics: Posted by jebmke — Thu Jan 09, 2025...
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