Non-US Investing • Unhedged bond fund for European investor?
Yes I ment that Bonds should provide ballast.I thought that this would be better achieved if I have a currency unhedged fund because for example if there is a crisis and the Euro goes down a lot for...
View ArticlePersonal Finance (Not Investing) • Interesting estate situation
So, my wife’s Mom passed away last September and some interesting things have developed regarding her estate. She has one sister. The Mom did not have tons of assets, maybe $160k. Some facts:* wife...
View ArticleInvesting - Theory, News & General • A New “Animated” Rick Ferri interview
Rick, I really enjoyed this podcast. You do a wonderful job of promoting the basic Boglehead philosophy. My favorite part in the podcast was near the end, when you said that for AUM advisors,...
View ArticlePersonal Finance (Not Investing) • At what net worth or income should one...
I fly internationally for work several times a year. The company policy is business for overseas and economy for domestic/close international (i.e. Canada/Mexico). I'm very glad they do, as I do...
View ArticleInvesting - Theory, News & General • Fidelity Promoting Index Funds?
Fidelity is great on domestic, international and bond Index funds all with really low ER's (few are 0% - Zero Funds). Something to be aware is that when investing with Target Date funds, they offer...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
For folks with I Bonds in minor's name and after the minor turns 18, I have a data point to share. When kid turned to 18 last August, she created an account for me to transfer the bonds. Her new...
View ArticlePersonal Consumer Issues • Where to seek urgent care when traveling in Canada?
I have heard about horror stories about the long wait for medical care in Canada. We are traveling to Canada. Given our ages and medical history, there is a remote but positive possibility that we...
View ArticlePersonal Investments • Variety of ETF/Mutual-Funds
Small positions are basically noise. Identify the major index they closely match, and switch to them unless they’re in taxable. Setup a three fund portfolio even if you won’t use it but do the...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
Stinky, Are you aware of any statistics around the percent of MYGA surrenders? I’d like to know how common it is for people to surrender their contracts. My guess is that these surrenders are very...
View ArticlePersonal Finance (Not Investing) • After 401k and Roth IRA, what's next? 457b...
I would not use the non-governmental 457, especially in the 22% tax bracket. There is little deferral benefit at 22%, you don't need more deferral benefit because you are doing enough already, and the...
View ArticleInvesting - Theory, News & General • Wealthfront Savings and the Yotta...
...In this case, with cash, the SIPC limit(s) and the FDIC limit(s) are identical so I'd argue the gears don't matter with Fidelity in this case. This is clearly different than the fintech players,...
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Investing - Theory, News & General • A Simple Bogleheads Retirement Using...
Using average CPI-U calculated in this and previous posts, here's an inflation-adjusted chart of this forward test and additional information expressed in May 2024 dollars:Inflation-adjusted initial...
View ArticlePersonal Finance (Not Investing) • $500k is all it takes to have a...
One million dollars is hardly "wealth" these days. That's a suburban house in many large cities.Statistics: Posted by toddthebod — Sat Jun 29, 2024 7:35 am — Replies 11 — Views 1288
View ArticlePersonal Investments • TIPS Purchase Discrepancy
Last week I bid $200k to buy 5 year TIPS. This week my bank withdrew over $204k to cover the purchase. Where did the $4k go???Most of the $4K difference is for the increased principal value you...
View ArticlePersonal Finance (Not Investing) • [Credit Card reward strategies at Costco]
We dropped the executive membership because our recent years spending didn't cover the upcharge. Your mileage may vary.That's really all that matters, if you're getting more than $60, then executive...
View ArticlePersonal Finance (Not Investing) • We saved nothing for college...BUT...
Thank you for the reply.You seem to be concerned about having to stop retirement contributions to pay for your kids college. I had 2 main financial goals:- save enough for a comfortable retirement-...
View ArticlePersonal Consumer Issues • Encroachment reveled in land survey at purchase
I could see the neighbor or some future owner of that property saying, "Hey, we've scraped the side of our car on the house backing out a couple times. We noticed that our driveway is narrower than...
View ArticlePersonal Investments • Vanguard Dividend
Another possibility if you reinvest is that the transaction has happened, but the transaction has not yet posted to your account. You just have to have patience for things to update.we don't have to...
View ArticlePersonal Finance (Not Investing) • 4.5M house…can we afford? What to do
Not related to the question, but out of curiosity how did you accumulate 3m in Roth accounts by mid 30s? Given the contribution limits on both Roth and accounts that could be converted to Roth, that's...
View ArticlePersonal Finance (Not Investing) • In the event of a frozen pension...
My husband’s employer froze pensions when he was 48. It was a huge hit to our retirement planning, coming at the same time as the financial crisis in 2008 … and at a time when we were paying for our...
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