Personal Investments • Employer Retirement Plan Change
I guess my question ultimately comes down to: this feels like it is stunting my accumulation phase (equivalent to investing in 30year treasuries, with some minimum) to arrive at retirement age at...
View ArticlePersonal Investments • Is it reasonable to change my allocation?
I typically hold my allocation around 60/40 equities/fixed. In light of the rising fixed income yield, and very high Shiller P/E ratio, my loss aversion is causing me to lose sleep. I’m inclined to...
View ArticlePersonal Investments • Anyone NOT Roth Converting?
when will they start taxing Roth to reduce deficit?Statistics: Posted by olegbabich — Tue Sep 29, 2026 9:10 pm — Replies 299 — Views 22454
View ArticleInvesting - Theory, News & General • PSA: chance of significant tax loss...
10 years difference in maturity date should be sufficiently different.I would be concerned if the maturity difference was only 1 year 30 years in the future and the interest rates were close. If one...
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Personal Investments • Trying to understand wash sales
At what point does "close enough" become "substantially identical"? That's still confusing. Are FTBFX and FXNAX "substantially identical"? I dislike surprise letters from the IRS .As @Morik said,...
View ArticlePersonal Investments • Portfolio review: transitioning from cash to a...
Thanks! This is helpful. Good point on simplifying the international allocation. I had been thinking of eliminating GQG but retaining VTMNX + VEMIX so that the international allocation still includes...
View ArticlePersonal Consumer Issues • Tips for unsupported bike ride
Pack a smart phone and a credit card. That's all you really need. I've done many such rides. Consider this: You live at home unsupported, yet are able to go buy food and stay in hotels because the USA...
View ArticlePersonal Investments • Best use of cash right now
Fwiw, I am in a similar position and am considering purchasing a long-term care insurance policy. I can’t say whether such a policy would be a good choice for you — I haven’t yet decided if it’s a...
View ArticlePersonal Consumer Issues • Don't pay full price for SiriusXM radio
Thanks for your reply. Those jerks! They swore up and down that the $5.99 plan was the cheapest that they could offer. The 2021 car was just too new and they could only offer that plan. What a load of...
View ArticlePersonal Investments • Feedback on proposed shift to short-term bonds
Would you not be selling TBM holdings at a large loss? In tax deferred? I would not want to do this. You could use the div to buy shorter term holdings. TBM is basically intermediate duration and the...
View ArticleInvesting - Theory, News & General • How attractive are munis right now?
They look really attractive. I am in a high tax state with medium high to high tax brackets depending on the year/phase. I am looking at locking in 2 and 5 year GO munis issued in my state. 5% average...
View ArticlePersonal Investments • Is Vanguard PAS worth it or should I use an...
FWIW, I use this board as my financial advisor. If you look back through my posts, you see that I've thought about outsourcing to PAS or a CFP in the past, and have been dissuaded against it. What I...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
It is all a guess at this point.Statistics: Posted by urban — Mon Sep 28, 2026 9:08 pm — Replies 540 — Views 129874
View ArticlePersonal Investments • Roth Conversion Accounting
Put another way, all your Roth IRA accounts are treated as a single combined account. Therefore, it does not matter which Roth IRA receives the conversion contribution or a regular contribution for...
View ArticlePersonal Investments • Buying TIPS vs. Treasuries when no unexpected inflation
The existence of TIPS hinges on the unpredictability of inflation. Move to a fictional world that has no such uncertainty and you no longer have a problem to solve.If one found that there is a market...
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Non-US Investing • Should my Fiancé and I Move to London?
Furthermore, from some preliminary research, cost of living in London would be significantly higher, especially in terms of rent (we would probably aim to live pretty central within Zone 1 or Zone...
View ArticlePersonal Finance (Not Investing) • Financial and Estate Planning Consequences...
Don’t forget at 75 how much you convert can affect how much it cost for their Medicare. One dollar over the limit in a tier can increase their cost for a year two yrs down the road. There are more...
View ArticlePersonal Investments • Auto rollover of reissue T-Bills
Is it the auction date or settlement date of the new t-bill that matches the maturity date of the old one?The settlement date of the new bill and the maturity date of the old bill are the same. The...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
Why the rates of MYGAs (Deferred Annuities) are in general lower at Fidelity than with Blue Print Income, the ratings being approximately similar ?For the same rating, there is a small convenience...
View ArticlePersonal Investments • TSP in-plan Roth conversion — looking for feedback
I’m 65 and retired from the Federal Government 8 years ago. I live in Florida and my house is completely paid off, with no mortgage.For the past two years, I’ve been doing approximately $50,000/year...
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