Investing - Theory, News & General • Argument against people that say...
Chiming in with counter point...It was easy to feel as though the system is rigged in 2008-09, and in 2020-22. Stocks dropped seemingly arbitrarily (to the lay person), and while some companies and...
View ArticlePersonal Finance (Not Investing) • Laid off and want to downshift
You may have struck gold.If you can work for federal govt for 1 year and get your four years of military service to count for FERS (lots of paperwork and workflow but it can be done) then you would be...
View ArticlePersonal Finance (Not Investing) • Pulling Out Retirement Early - Thoughts
I would not withdraw retirement funds except in a dire emergency - maybe to avoid bankruptcy? If your credit is good you could put the furnace on a 0% credit card and have another 14 months or so to...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
Poor Things on Hulu. I thought the movie was good, a touch long and very weird. But I expected no less from the director of The Lobster (which is wonderful btw). The thing that feel a little flat for...
View ArticlePersonal Finance (Not Investing) • Is it Time to Self-Insure? CA Homeowners...
One more thing, I believe you have to uninsurable by an admitted carrier for CA Fair Plan to even consider writing your policy. Fair Plan is actually a risk pool shared by all admitted carriers in...
View ArticlePersonal Investments • 16 yr old - how can I best take on high risk?
Recency bias has little correlation with experience.Rebalancing as defined by Harry Markowitz in the early 1950’s in his magazine article Modern Portfolio Theory is a disciplined way to consistently...
View ArticlePersonal Investments • Time to convert mutual funds to ETF?
Didn't know that, no plan to change, I really like Vanguard. Why are ETFs easier to transfer out?Hi all, curious what you guys think of converting my mutuals funds in taxable account: Total US Stock...
View ArticlePersonal Finance (Not Investing) • is QCD like a DAF (but better) ?
One tiny, tiny nit about a QCD vs. DAF.I know that it's easy to give nominal amounts (say, $100) to charities from a DAF. All that I need to do is get on the Fidelity DAF website or app, and it can be...
View ArticlePersonal Finance (Not Investing) • What would you have done differently if...
Things to change. - look harder for a job with 401k. I didn’t have one for 6 years at start of career.- put something into Roth every year it was available.- read Bogle books > use index funds in...
View ArticlePersonal Finance (Not Investing) • feeling stuck with kid expenses and this...
OP, will you and your spouse's incomes not increase over time?We have 3 kids now, and at first all the extra costs meant we saved less, but overtime with increases to income, we save much more than...
View ArticleInvesting - Theory, News & General • Emerging Markets Stocks have been a...
...It's easy enough to backtest that emerging market have been a good diversifier despite the lackluster raw returns.I was mostly a US stock investor in accumulation, but we can compare a 60/20/10/10...
View ArticleInvesting - Theory, News & General • Why is Vanguard so bullish on...
Why is Vanguard more aggressive when it comes to international equity / debt exposure in their all-in-one funds (target date, lifestrategy) than most other investment management company's are?I looked...
View ArticlePersonal Finance (Not Investing) • Retirement Allocation Advice
Thanks everyone for the replies/input. I think I will move forward with at least reducing the Roth contribution % (maybe move to 50%). I actually didnt realize how close I was getting to the 230,000...
View ArticlePersonal Consumer Issues • Drop Homeowner Ins- Self Insure
I appreciate all the responses but what I haven’t heard is has anyone actually dropped their insurance and self insured their home.Maybe that should tell you something ! Most people do not want to...
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
An off-topic post has been removed. As a reminder, see: General EtiquetteAt all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling,...
View ArticlePersonal Finance (Not Investing) • Switching from Medicare Advantage back to...
I see a lot of discussion on switching from Advantage to original with gap, but I'm pretty sure we run into the same situation if we start out on original and want to switch between gap plans once we...
View ArticlePersonal Investments • Fidelity advice
Call your local Fido branch and ask them to verify that these two charlatans are indeed employees.+1Not sufficient - OP already knows from "google search" that people with those names work at Fido. OP...
View ArticlePersonal Investments • need advice on 401 after leaving job
I would favor moving it to an IRA at Fidelity. Do you have any other qualified accounts? You can aggregate IRAs and not 401ks for purposes of RMDs. You are very concentrated in one stock and that is...
View ArticlePersonal Investments • The Three-Fund Portfolio - Which fund should I pick?
SWPPX SCHWAB S&P 500 INDEX SWPPX (ER .02)SWISX SCHWAB INTERNATIONAL INDEX (ER .06)SWAGX SCHWAB US AGGREGATE BOND (ER .04)SWVXX SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES SWTSX SCHWAB TOTAL STOCK...
View ArticlePersonal Finance (Not Investing) • Seeking Career Advice (post-military,...
I have 2 years left on my enlisted military contract and will be about 25-26 years old at my projected separation. I'm unsure if I should use my GI Bill to get a bachelor's degree or if it would make...
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