Investing - Theory, News & General • Vanguard Cash Plus Account
Agree, its mental accounting but it lets someone put some of their cash cushion into treasury money market (some state tax exemption) or maybe in the future state muni money markets (likely not a...
View ArticlePersonal Finance (Not Investing) • Determining the size for a LTC Buffer?
iim7V7IM7, Thank you for crunching these numbers, my situation is very similar to yours with variations in the numbers. One critical factor your calculation reveals is the need to keep up with the 5%...
View ArticleInvesting - Theory, News & General • Variable Percentage Withdrawal (VPW)
I'm planning on using VPW because it allows me to spend more earlier (among other reasons, such as "can't fail" and "plan to die with zero"). If I knew I also would want to take it into account early,...
View ArticlePersonal Finance (Not Investing) • High yield savings/checking account
I should qualify that sometimes I need to deposit cash or get cash. I can't do that with Fidelity or Vanguard or Ally if they aren't local.What's the point of asking if you want a local bank?I didn't...
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Personal Investments • Was it a mistake to suggest allocating developing...
Well. . .the question now, what matters for the next 15 years?Maybe the underlying assumption that we can predict what's a high growth asset and put it in roth ira is wrong...That is correct. Bingo. ....
View ArticleInvesting - Theory, News & General • NASDAQ INDICES PART TWO
According to theory smaller companies should have higher returns on the long term compared to bigger ones. This is beast seen if we compare returns of VTSAX (total US market index fund with smaller...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
I received an email from Webull today with the following offer. Check out this limited-time offer! Earn 2% cashback on deposits and 3% cashback from ACAT transfers made to your Margin Account between...
View ArticlePersonal Investments • Admiral Shares vs Investor Shares mutual fund
True or False?: Long term average growth (or loss) rates of ETFs will closely track the long term average of the equivalent regular mutual fund, however the ETF is usually much more volatile hour by...
View ArticleInvesting - Theory, News & General • Just for fun, what single stock do...
BYD. Even Elon is scared of them.Statistics: Posted by edgeagg — Thu Feb 22, 2024 1:35 pm — Replies 157 — Views 20472
View ArticlePersonal Investments • Is it Too Late to Invest in VTI?
I think all I am saying I feel more comfortable with more diversification. That's why mutual funds started. To see one have 30% in one sector; does not meet my own guide for diversification. Its fine...
View ArticlePersonal Finance (Not Investing) • What does Schwab do better than Fidelity?
So your downside liability is 5,500/month for life? Yowza. So basically if you get scammed, your only recourse is to entirely cancel your relationship with that institution(for this thread Schwab) and...
View ArticlePersonal Consumer Issues • What inferior good do you love?
Analog Citizen eco-drive watch. Only has 2 functions: tells me the time and date compared to the million things a smartwatch can do. Also it's less accurate. But I love its simplicity and never...
View ArticleInvesting - Theory, News & General • Ibonds bought in the same year that...
Forgive me if this has been answered before, but gave up searching.My understanding is that if a purchaser dies with bonds in a gift box, they are all delivered at once to the owner.What effect does...
View ArticlePersonal Finance (Not Investing) • Best way to keep money in a main checking...
... but there is right, and there is reality.That is true.Thank you!Statistics: Posted by PeninsulaPerson — Thu Feb 22, 2024 1:40 pm — Replies 10 — Views 313
View ArticlePersonal Investments • 2001 Series I Savings Bonds - potential tax issue at...
[/quote]You implied that you didn't pay all accrued interest on all the savings bonds (owned by the same person) and I don't believe you can do that. My understanding is that it's all or nothing if...
View ArticlePersonal Investments • Decision factors for holding or selling RSU and ESPP
What goes up can go down...If NVIDIA falls over the next few years, how will you feel?My employer hasn't had quite the recent run that Nvidia has, but it's still been a good run...I benefit from any...
View ArticlePersonal Finance (Not Investing) • Another thread on Tax Implications (in...
I somehow managed to overcontribute by $8 in Tax Year 2023 ($1,800 from employer and $5,408 from self). There is enough cash in my HSA account itself to withdraw $8, so that I don't think I would need...
View ArticleInvesting - Theory, News & General • Can you do better than BND?
We have roundtripped to vineviz's thread first 20% in BondsYou backtest an era of falling rates this is what you get. That doesn’t make it a good plan for the future.To be fair, this thread is...
View ArticlePersonal Investments • Using withholding on Roth conversion instead of...
He will not be subject to the one per year rule, as he did not receive a distribution, nor are conversions subject to the rule in the first place.Ah, your right, thank you for catching that!I am not...
View ArticleInvesting - Theory, News & General • New tool for building a TIPS ladder
There are low and medium duration TIPS funds (e.g. VTIP)BlackRock also has target year TIPS funds (they call them Ibonds, not to be mistaken with series I saving bonds). They're basically the same as...
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