Personal Finance (Not Investing) • Inherited Stretch Annuity?
I have a Transamerica variable annuity. Started it with $50,000 in 1994. As of today, ~30 years later, it's at $540,000. I'm pondering what to do with it. My inclination is to leave it to our daughter...
View ArticleInvesting - Theory, News & General • Shiller PE now near 39 - 2nd highest...
I wonder if the high fundamentals are partly why dividend investing has seen a resurgence in popularity. Not so much in a "it will out perform" way but because investors want to separate their...
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Personal Investments • Will we be ready for retirement in 4.5 years?
New Contributions$8000 – 403b pre-tax, employer contribution to RC$15,000 – 403b Roth, employee contribution to RCP**$8000 – my Roth$8000 – spouse’s RothYour overall plan looks great. To the extent...
View ArticlePersonal Investments • Direct Indexing/ Fidelity SMA etc.
Just my 2 cents, but I love my SMA with Fidelity. It has performed on par with the S&P500 but the accumulated losses have more than made up for the management fee of 0.4%. You can always use short...
View ArticlePersonal Investments • Portfolio Questions: Tax Gain Harvest in UGMA,...
... stuff deleted ...A couple thoughts come to mind about question 2. If you want to improve the tax efficiency of the international holdings in your taxable account (without abandoning international...
View ArticlePersonal Investments • How to count and allocate cash
I vote for 54/46 as long as the $300 in "cash" is not sitting in a non-interest bearing checking account. I consider funds in a HYSA or MMF the same as short-term Treasuries for the purposes of my...
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Personal Investments • [Help with reading Vanguard statements]
so if quicken helps, may I ask which version you are using? and I assume you login via quicken to vanguard to import the data, to live locally on your computer?there is a lot that can not be...
View ArticlePersonal Consumer Issues • Any quesadilla maker fans out there?
Give it away to someone else - this is a perfect example of capitalism gone mad. You can make a quesadilla in a cast iron pan (I use a flat griddle-type pan, without sides for pancakes, quesadillas,...
View ArticlePersonal Investments • Ed Jones Ugh! - Google sheets question
...There are costs to owning such funds such as front-end loads and taxes...I agree completely with your assessment. Thanks for detailing it. I have tried to say this to him, but perhaps I should use...
View ArticlePersonal Investments • UPDATE (6 months later): Am i ready to call it quits?
I mean $100M. Secret is to buy the top performers of the industry and never sell. And when everyone is panicking, go in and buy and then wait.It's really simple.For example, during Black Monday in...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
I've read several John Steinbeck books, but "Grapes of Wrath" wasn't one of them, so thought I'd try out the film form. Especially as I was interested in the place and time (Dust Bowl, Great...
View ArticlePersonal Investments • Moving away from my financial advisor - help with...
How about doing the IRA --> 401k now? You probably have time to get it done before the end of the year if you don't delay too long. That will open up the option of restarting the backdoor Roth next...
View ArticlePersonal Investments • TIPS ladder and RMDs
Unless you are only investing in bonds, I don't see how you can possibly estimate your RMDs with any sort of accuracy.+1Even if all tax deferred is bonds, it is unlikely to work out.If we get a major...
View ArticleInvesting - Theory, News & General • The 4% Rule - Tested on Different...
You can do better today than 4% with TIPS alone, so I don’t understand why you would put forth all this effortAgreed.The 4% rule of thumb requires a 1.219% real return over its assumed 30-years to...
View ArticlePersonal Investments • Roth conversion or not
Thanks very much for your detailed response. The calculators did include SS computations. Taking into account taxable portion of SS, interest, dividends, LTCG from withdrawals from taxable account and...
View ArticlePersonal Finance (Not Investing) • How do I get out of Fidelity's PCG...
You could move your accounts to Schwab or Vanguard.Statistics: Posted by 123 — Mon Dec 09, 2024 10:44 am — Replies 54 — Views 3821
View ArticleInvesting - Theory, News & General • Are risk-based guardrails approach...
I am one of the authors of the risk-based guardrails article you referenced, so I'm quite biased on this matter, but I just wanted to offer a few thoughts/clarifications based on your questions.I read...
View ArticleInvesting - Theory, News & General • Bill Bengen: We Should Market Time...
How do you picture a furture world where big long inflation has affected 90% of the population which has little or no savings at all?Do you picture someone with a great amount of savings as continuing...
View ArticlePersonal Finance (Not Investing) • [Split from "Fidelity as a one stop...
The only thing I have noticed is my paychecks deposited to Fidelity used to show up at the time payroll started the ACH. Now they show up on the transaction date. More information: Our payroll is...
View ArticlePersonal Investments • Wells Fargo Preferred L (WFC.PR.L) - Too Good To Be True?
A single stock? Even a single preferred stock? Not only single stock risk, but also, obviously, single sector risk (financial sector).I'm sure you're not "missing" that, but it does seem...
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