Personal Investments • If You Have Most of Your Wealth In The Stock Market...
Our AA is presently 63% equities (80% US, 20% Intl.) 37% bonds (Treasury bond funds, I-bonds).Although we have an annuity, the sub-accounts are US stocks and a small amount of Total Bond Index. So,...
View ArticlePersonal Investments • Hearing Horror Stories that Vanguard Doesn't Let You...
No one has reported not being able to withdraw for 1 year.It was reported that Vanguard has a 1-year hold policy. It would seem strange to call it that if it never actually runs for one year. Also,...
View ArticleInvesting - Theory, News & General • Bill Gross Says ‘Total Return’...
Not as bad but not good. Money can’t be made now like the past with rates rising instead of falling from 15%. A lot of people think bond returns will go back to what we saw the last 40 years and that...
View ArticlePersonal Finance (Not Investing) • Purchase Second Home with Cash or Mortgage?
Pay cash. A 30 year mortgage on a $500K home at 7% interest with 20% down payment will cost you $558K in interest, or $958K total, if paid according to the original amortization schedule.It would, but...
View ArticlePersonal Finance (Not Investing) • If you have a will, is it better to not...
In most cases one should name beneficiaries for life insurance and retirement benefits but not for taxable accounts.Can anyone elaborate on why this is so? I've named my wife as beneficiary on my...
View ArticlePersonal Consumer Issues • Traveling with extra car keys
The Toyota Remote Connect app provides this, but I didn't purchase the package that makes it possible when I bought my car.Remotely unlocking, yes, forgot that was the feature being talked about. Yeah...
View ArticlePersonal Finance (Not Investing) • Health insurance during early retirement
Many people keep their income low enough to qualify for subsidies.If that is not an option, then the $25k plus any out of pocket expenses needs to be a part of your budget.Have you looked at how much...
View ArticlePersonal Investments • Destiny tech 100 etf opinions
I have an old colleague who works for Price Waterhouse Coopers in the P&L division and having experience with valuations in companies i've worked for, my issue is I trust these valuations about as...
View ArticlePersonal Investments • When to sell holdings with long-term gains to...
First, turn off reinvesting dividends.Second, when/if you have tax losses going forward, offset them with tax gains as you simplify.Third, know your taxes/brackets, and try to harvest those gains in...
View ArticlePersonal Consumer Issues • Lexus Dealer Damaged Car While In For Service
DW thinks they should give me the tires at no charge. Anyone else been down this path? Thoughts?I would gladly pay for the tires and thank them for taking care of the damage. I wouldn't lose any sleep...
View ArticlePersonal Investments • Is Fidelity a Bad Broker to Use for Buying T-Bills
This is not how it works. The ladder is always kept whole. Only when there are minor timing issues are their holes for a couple of days. A small quirk at Fidelity - when a number bills have been...
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Personal Finance (Not Investing) • You Worked a Long Time. How Did You Do It?
Great question. In my case it was less what I did and more where and how I did it. I specialize in marketing for financial services. Hence my bogleheadedness My last corporate gig was absolutely...
View ArticlePersonal Investments • Destiny tech 100 [closed-end investment] opinions
What’s the best and worst case scenario with this fund long term?Who knows? With $52 million in assets, average losses of -23.24% since inception, and underperforming QQQ by -54% in 2023, a plausible...
View ArticlePersonal Investments • Living off Social Security
Wife and I just retired. 66/65.$2,400,000 invested ~50/50 (VTI/VOO)/Treasuries & BNDIf we claim Social Security new we basically do not have to touch our savings. This would allow us to change our...
View ArticlePersonal Consumer Issues • Cheap & reliable 6 passenger vehicle
On one hand a used older buick lucerne would be around $7-$8k but I worry with having to take time in the shop and miss work/picking up kids. I'd go for an old Sienna/Odyssey long before I tried to...
View ArticlePersonal Investments • Should every investor (who holds bonds) hold at least...
OP you are overthinking this. At 50x your TIPS ladder gives you all the comfort you will need. Also I do not agree that holding all TIPS in your fixed income creates any incremental risk compared to...
View ArticlePersonal Finance (Not Investing) • Home Insurance
The replacement value calculators are only as good as the info inputs they receive. So, for any company you are really interested in you need to go back to agt or co and ask to go through the most...
View ArticlePersonal Investments • Is it time to sell out of bond funds?
50/50 portfolio seems too aggressive for a 73-year-old. Maybe adjust the asset allocation to one you can feel comfortable with, probably a lot more cash, and lot less bonds and equities.Obviously...
View ArticlePersonal Investments • savings vs. money market
Also the Vanguard Treasury MM Fund, which provides a similar interest rate to the Federal MM Fund, has interest that is mostly state tax free. I think about 80% of the interest from the Vanguard...
View ArticleInvesting - Theory, News & General • Vanguard Notice - Update to...
On Monday I transferred my Roth from Vanguard to Fidelity. Yesterday, Thursday, the transfer of assets request was completed. Everything went smoothly and Fidelity kept me advised of the progress....
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