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Investing - Theory, News & General • Numbers of positions vs risks
Lots, but it's inconclusive and hard to interpret.My judgement is that sixty is not a problem in itself, and that the judgement of the fund managers contributes far more risk than limitation in...
View ArticlePersonal Investments • is there such a thing as stable income stream in bond...
It would seem that despite statements to the contrary, many just can't handle volatility when it shows up. Thinking back to the GFC, perhaps that is true -- I recall a few people I knew who bailed on...
View ArticlePersonal Investments • Why the case against a Roth conversion gets stronger?
Sorry, I've heard others try to explain or justify conversions with the same examples. If you don't convert your traditional IRA it continues to grow tax free on 100,000$ instead of 78,000$ you also...
View ArticlePersonal Investments • How to count and allocate cash
The way I read your portfolio you have $1.3m.You are:700k stock300k bond300k cashSo 54/23/23. Many would say 54/46.I vote for 54/46 as long as the $300 in "cash" is not sitting in a non-interest...
View ArticleInvesting - Theory, News & General • Thank You, Jonathan Clements!
Jonathan made a big difference in my path to becoming a boglehead and achieving financial independence. Loved listening to his audiobooks and reading his many articles that had so much...
View ArticlePersonal Investments • How a mutual fund expense ratio is acutally charged?
I pick my investments myself. Thank you all for the answers, looks like these are the fees being charged by the plan administrator. So, it looks like they will be charging me about $745 in fees on a...
View ArticlePersonal Consumer Issues • What do you give your adult children at holiday time?
Chocolate is the best gift because it doesn’t last and doesn’t mess up your house.Statistics: Posted by MapleSyrup — Sun Dec 08, 2024 9:46 am — Replies 197 — Views 25899
View ArticlePersonal Finance (Not Investing) • Withdrawal plan impact by FAFSA?
Our kids got the highest merit money offered by the private college. I believe that visiting the college and participating in one or two events at the college for prospective students...
View ArticlePersonal Investments • Will we be ready for retirement in 4.5 years?
Maybe I should have said my concern is not so much SORR as it is the psychological impact of a poor sequence of returns early in retirement.Well, not sure anybody on this forum can help you...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
For small, less established brokers, many of us only max to SIPC level of protection. It's common for there to be extra insurance for he broker. Look into their coverage. Brokers cannot use your...
View ArticleInvesting - Theory, News & General • "Are Annuities a Better Fit for...
In my case (current planning)I do think a SPIA is better than having a large percentage in bonds. I'm a saver not a spender and in a down market I would not be comfortable spending what I want to...
View ArticlePersonal Finance (Not Investing) • Do Catastrophic LTCi policies exist
So, as some of you have indicated, there really aren't any subject policies, per my LTCi "agent." Unfortunately, we are back taking the self-insurance approach and hoping that neither (or both of us)...
View ArticlePersonal Investments • Moving away from my financial advisor - help with...
Welcome to the forum!You will do fine. Always work with the receiving brokerage house as they have the incentive to make sure that everything goes smoothly. Vanguard has a separate team just for...
View ArticlePersonal Finance (Not Investing) • Another Late 5500-EZ Horror Story
Update.I called to check the status about a week after faxing my response. They hadn't processed my faxed letter at the time but told me to give them at least 30 days. So I had no choice but to wait...
View ArticlePersonal Finance (Not Investing) • Retirees, Is It Worth It?
I retired at age 55 in 2003. My husband, who was 9 years older, had retired in 1995. We had 11 years together-bothretired before he passed in 2014. His death was sudden and unexpected. I am so glad We...
View ArticlePersonal Consumer Issues • Ways to reduce/eliminate electric charges for...
Agree, seems like you consumed 1539kwh not just 339kwh.Statistics: Posted by fasteddie911 — Mon Dec 09, 2024 9:55 am — Replies 8 — Views 305
View ArticlePersonal Finance (Not Investing) • Decumulation research and strategies
$2m is not enough to retire on at your age with $120k annual expense (so say $130k or more including taxes) if you have no other income streams. (Home equity is irrelevant for this calculation)$2m x...
View ArticlePersonal Consumer Issues • Mercedes G-Class Affordability
Yes OP, you can probably "afford" it if the rest of your expenses aren't out of control. These threads are always filled with curmudgeons who cant possibly fathom how someone gets enjoyment from a...
View ArticlePersonal Consumer Issues • Sous Vide?
We have an older Joule that is running fine plus a second one (I have no idea why we have two). Between the SV and the air fryer we almost never use the oven anymore. SV main use are poaching chicken,...
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