Investing - Theory, News & General • Re: Relationship between...
And the above I think is even more relevant when we consider the finding from behavioral finance that the pain of a loss is at least twice as much as the happiness obtained from an equal sized...
View ArticleInvesting - Theory, News & General • Re: Brew the Best Version of the...
Just to illustrate the Vanguard 2030 fund is about 40% total bond funds, the 2025 fund is about 50% bonds including (very roughly) 5% TIPS fund, the 2020 fund is roughly 60% bonds including (roughly)...
View ArticlePersonal Investments • Re: High Alllocation of Stocks in Taxable Account
Regardless of what the software says — and I have yet to see any software do even a halfway decent job of prescribing the best withdrawal sequence — I would think that with retiring so many years...
View ArticlePersonal Investments • Re: Portfolio Review Request
They used to be a solid choice -- but have shifted in recent years to be overly reliant (IMO) on international.Define over-reliant, when 60% US and 40% ex-US is the world-cap weighting. I think it's...
View ArticlePersonal Investments • Pls clarify on 'backdoor Roth' options & steps
Hi folks,Since my wife & my joint income for 2024, and for 2025 (expected) will be above the annual ROTH limit, we are considering the backdoor Roth option. Both of us are over 50. Neither of us...
View ArticlePersonal Finance (Not Investing) • Re: Physician Retirement Savings
I retired from emergency medicine in June 2022, just before I turned 50. No kids, super stable marriage, wife quit a bit before me at my urging. It has been amazing, so so so happy that I pulled the...
View ArticlePersonal Finance (Not Investing) • Re: $4 million house???
I thought at first that perhaps the OP's post wasn't serious.We lived in a 7000 sq ft house for a bit over a year and I was *by far* the most unhappy I've ever been. My family was hard to find. I...
View ArticleInvesting - Theory, News & General • Re: Economics of bad fund selection?
Hi folks, I changed jobs and am looking at options in my Voya/ADP 401K. I didn't expect fantastic options but am struck that I can't even find a relatively decent and somewhat cheap SP500 proxy. It is...
View ArticleInvesting - Theory, News & General • Re: Convert high fee 401k to IRA
If you think you might take a new job soon, you might want to wait and just roll to a new 401k.New job will be with a small employer that doesn't offer 401KStatistics: Posted by mini1 — Mon Jan 27,...
View ArticlePersonal Investments • Re: Moving equities in a portfolio into ETF's ?
I accumulated a ton of individual stock holdings back in 2018-2021. Since 2022 I’ve completely stopped buying individual stocks and I adopted an almost 100% Boglehead 3-fund investment strategy, but I...
View ArticlePersonal Finance (Not Investing) • Re: Is it always worth it to spend down...
This thread has run its course and is locked (topic exhausted). See: Locked TopicsModerators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy...
View ArticlePersonal Investments • Starting to Plan. Advice and suggestions.
I had posted the other day about how I'd like to start investing for the future but was not sure how to and some you guys responded with some suggestions and advice. Someone said to post some numbers...
View ArticlePersonal Finance (Not Investing) • Re: Mortgage debate: 30 or 15 year (with a...
19 Years ago I bought my first home in Summer 2006.. before the financial collapse.. I took out a 30 year, and borrowed $20K from my parents as down payment. I paid my parents back in 2 years......
View ArticlePersonal Investments • Re: Bond Portion of 70/30 Portfolio
Hi Northern - i dont have the best bond locations just yet - the bonds funds are mostly 401K and some in a taxable. The tbills are in taxable. We enjoy avoiding the ~4% state tax with the tbills...
View ArticlePersonal Consumer Issues • Re: Best travel medical insurance for traveling US...
I have some international travel planned and was looking at UNH: https://www.uhcsafetrip.com/quote/International Travel MedicalPremium$ 16.50Select productNo deductibles$1,000,000 maximum medical...
View ArticleInvesting - Theory, News & General • Re: Increasing TSP Fund Expense Ratios
I'm mildly irked by the transfer rules as well, though I hope they improve by the time I'm ready to retire in 15+ years. It is hard to complain too much about the ERs when Vanguard's 500 index is...
View ArticlePersonal Finance (Not Investing) • Re: Contributions to IRA and 403(b) with...
Say I will have $6000 taxable income received in 2025. I don't expect any more since I retired at the end of Dec. 2024.Of the $6000, $4000 went into my 403(b) plan at my employer.Can I also contribute...
View ArticlePersonal Finance (Not Investing) • Re: AOTC Income Limit Rant
My personal situation is that all 3 of my kids will be in college this fall, and since our oldest started school my spouse and my income is nearly phased out for AOTC. Good that our income is higher,...
View ArticlePersonal Investments • Re: Portfolio Advice with eventual TLH?
...So it doesn’t matter if, in taxable and tax advantaged accounts, I hold finds with a major overlap of stocks (but clearly not identical), knowing they are all versions of a U.S. total market fund?...
View ArticlePersonal Finance (Not Investing) • Re: Any rules of thumb for FERS (federal)...
Reupping given recent events for those eligible - https://www.opm.gov/forkMuch larger buyout this time aroundStatistics: Posted by DCChak — Tue Jan 28, 2025 7:19 pm
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