Thank you @bonesly. it's so good to have someone like you expose topics for me.
The HYGH investment was my bad little secret, I liked the yields and the morningstar 5 star rating, but totally agree it's complex and hard to understand well. I'll likely go to the opposite end of the spectrum on complexity, sell my HYGH and use SPAXX or CDs with 3-12 month durations. Easy to understand, and to explain.
I am tied up with rebalancing taxable investments, I can only sell certain low cap gain items to keep income low and ACA subsidies high, until I turn 65 in 2.5 years. Using the sheet you provided, it was quick work to add a cap gain column, and create a 2025, 2026 and 2027 version showing allocation changes as I sell some of those off. A good way to put down on 'paper' what I had in my head.
I'm considering Traditional IRA rebalancing to move from FPURX (ER .48%) to a lower ER fund like Vanguard Balanced Admiral (VBIAX-ER .07%). The suggestion for zero ER fund is really appealing. But I am torn between the simplicity of a VBIAX or FPURX to allow the family to better grasp things, vs, introducing a multi fund approach needing occasional balancing which the family just has no inclination to do if I'm not around.
Again, thank you!
The HYGH investment was my bad little secret, I liked the yields and the morningstar 5 star rating, but totally agree it's complex and hard to understand well. I'll likely go to the opposite end of the spectrum on complexity, sell my HYGH and use SPAXX or CDs with 3-12 month durations. Easy to understand, and to explain.
I am tied up with rebalancing taxable investments, I can only sell certain low cap gain items to keep income low and ACA subsidies high, until I turn 65 in 2.5 years. Using the sheet you provided, it was quick work to add a cap gain column, and create a 2025, 2026 and 2027 version showing allocation changes as I sell some of those off. A good way to put down on 'paper' what I had in my head.
I'm considering Traditional IRA rebalancing to move from FPURX (ER .48%) to a lower ER fund like Vanguard Balanced Admiral (VBIAX-ER .07%). The suggestion for zero ER fund is really appealing. But I am torn between the simplicity of a VBIAX or FPURX to allow the family to better grasp things, vs, introducing a multi fund approach needing occasional balancing which the family just has no inclination to do if I'm not around.
Again, thank you!
Statistics: Posted by Simpleplease — Wed Feb 19, 2025 12:55 am — Replies 2 — Views 795