Personal Investments • Figuring out where to park "backup"...
Now I understand a lot of this doesn't seem logical to many of you and I have no argument there. The fact is my wife wants 2 emergency funds and that's what we will have to do. It's just up to me to...
View ArticleInvesting - Theory, News & General • Sharpe ratio of S&P500 < 1....
I spam Investopedia, garbage in garbage out.Statistics: Posted by retireIn2020 — Mon Jun 10, 2024 2:07 am — Replies 5 — Views 761
View ArticlePersonal Finance (Not Investing) • Long Term Care for MIL...
There can be many reasons that a nursing home resident might default on their bills. For example, they might refuse to pay. I assume if that were the case, if the "responsible party" had POA they...
View ArticleInvesting - Theory, News & General • gougou's shareholder yield strategy
I have already provided you the model. Expected return is yield + growth + multiple expansion. Yield is obvious at 10%, growth is estimated to be 5% plus, and multiple expansion is another 5%. You are...
View ArticleInvesting - Theory, News & General • Are you a closet market-timer?
Something's been eating away at me...For all the talk about staying the course, investment policies, automated rebalancing etc.. an awful lot of folks seem to adjust their desired asset allocations at...
View ArticleInvesting - Theory, News & General • Implicit assumptions and game theory...
During my morning walk I was thinking about personal finance theory and implicit assumptions for the basics. We all know the basics of personal finance, a la "save 20% of your income", retire at 25x...
View ArticleUS Chapters • Has anyone heard from Mr. Larimore?
Dear Bogleheads:Checking in:I enjoy reading your posts which give me strength to endure my cancers (6 so far) and breathing difficulties. Despite the foregoing, with my walker, I am able to move...
View ArticlePersonal Investments • Mechanics of Roth Conversion
1) Am I allowed to convert the RMD withdrawn amount to a Roth IRA contribution?2) Are there any downsides to doing this? (If I do not need the money, it seems like a freebie)3) If I already took the...
View ArticlePersonal Finance (Not Investing) • Use retirement funds to pay off LARGE IRS...
Just in case, there actually is a very unlikely case where tax would be owed: if the person who died and left you the Roth had just recently opened and funded their very first Roth, then if you take...
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Personal Investments • Still have 15 yrs till retirement. Any suggestion for...
How closely do you follow the suggestions in Prioritizing investments - Bogleheads?Understanding why those suggestions are what they are will probably be more valuable to you than any spreadsheet or...
View ArticleInvesting - Theory, News & General • Python Packages for Investing Analysis
Hi Bogleheads,Sometimes some analysis on one's portfolio needs to be done, e.g., in order to check skew relative to the desired AA, check whether to switch between funds...
View ArticleInvesting - Theory, News & General • Extreme Concentration in the S&P...
"in the short term the stock market is a voting machine, but in the long term it is a weighing machine" --Benjamin GrahamI've never understood this quote; what did he mean by 'weighing machine'?I've...
View ArticlePersonal Investments • Roth/Tax question
The analysis suggested in Roth Conversion with Social Security and Medicare IRMAA may be worth your time.If you do that, what does it tell you? ...what questions does it spark?Statistics: Posted by...
View ArticlePersonal Consumer Issues • smoke detector keeps going off in apartment -...
its a combo. Way back when they called the fire department (one of the roomates called 911) and the fire department was mad for them callingUnderstandable. The detector alerts of potential fire. If...
View ArticlePersonal Investments • Where to place TIPS bonds
If you don’t have access to Brokeragelink, that is a limitation due to your employer’s plan, not Fidelity.Like Watchnerd, I1. Have an employer 401k account with Fidelity2. That account lets me move...
View ArticlePersonal Finance (Not Investing) • How to react - laid off / outsourced
They can use whatever words they want, but you need a job. If you liked your old one apply to similar roles at the new company and elsewhere. A job search can take a while, and usually the higher the...
View ArticleInvesting - Theory, News & General • Considering Schwab
Didn’t Schwab grandfather their legacy clients to sweep into a mmf?…Anybody aware of this ?Yes, someone posted here confirming this for an old account. The individual was able, with some difficulty,...
View ArticlePersonal Consumer Issues • International travel and customs
I've also been traveling a long time. I don't know that it's that different. Obviously, the EU has meant far fewer interactions with customs once within Europe. But even within the EU there are still...
View ArticlePersonal Finance (Not Investing) • Fidelity as a one stop shop
I pay more than 50% in income taxes, so something like a CA Muni MMF (FSPXX) provides highest after-tax return.Are you sure about that? I did the math on this a couple months ago, comparing Vanguard's...
View ArticleNon-US Investing • [Australia] Portfolio Review
As Andrew9999 has pointed out, however, Purchasing Power Parity doesn't seem to hold that well. Australian Dollar moves up and down v say USD and does so for decadal periods. The theoretically correct...
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