Personal Investments • Stick with Wellington at Vanguard?
When I was making our IPS, I compared Wellington and Fidelity's Puritan fund. At that time, the Puritan fund had 14% of its bond allocation in junk bonds, as opposed to less than 1% for VWELX. Puritan...
View ArticlePersonal Consumer Issues • Woodpecker siding damage
Is the color browmish? You don't want your house looking like a tree. We used to have that problem at our cabin, now the woodpecker goes to the neighbors redwood stained siding and ignores...
View ArticleInvesting - Theory, News & General • Balanced Funds Performance / 4%...
Check out the Bogleheads wiki article User:Nisiprius/4%25-rule_withdrawals_from_real_mutual_funds. It has the results for 30 years of inflation-adjusted withdrawals for each starting year from 1930 to...
View ArticlePersonal Investments • Wife is Questioning "The Plan" Are we Saving...
Not unusual for Bogleheads to save/invest more than 50% of their gross income annually.A high savings rate was the biggest factor enabling my early retirement.I annually maxed pre-tax 401k, pre-tax...
View ArticlePersonal Finance (Not Investing) • Auto Insurance Premiums
You must switch to a different insurance company. Moreover, everyone should do so every 2-3 years, as most companies will raise premiums on loyal customers. Follow this strategy and you will save...
View ArticlePersonal Investments • Should I trust the local Fidelity VP as an advisor in...
BTW, titles at these places mean little to nothing.I remember decades ago, my Dad was really impressed that I was a VP at a Wall Street bank. I am honest to a fault and explained that, while it was...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
Seriously? Get 0% Loan, Put funds in 5% savings account.I get that. But how does paying into a credit card account to get a positive balance improve on just taking the loan and putting it into the 5%...
View ArticlePersonal Investments • Does stock market historically goes down last few days...
Nonetheless it is still actionable.....Statistics: Posted by j.click — Sat Dec 28, 2024 1:27 pm — Replies 14 — Views 1687
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
It’s been a while since I’ve been on the forums, but I’m surprised on my return to see the blatant home bias and recency bias has gotten worse than the last time I was here. Since when do Bogleheads...
View ArticlePersonal Finance (Not Investing) • Confusion over DPOA at Schwab
Here is an article that popped up in an internet search about Schwab DPOA limitations:https://www.marottaonmoney.com/four-dpo ... %20capable.There was some discussion in this forum...
View ArticlePersonal Finance (Not Investing) • ACA Subsidy Payback
What do you see if you use either (or both) of the tax estimation tools that include Advance Premium Tax Credit repayment ?Statistics: Posted by FiveK — Sun Dec 29, 2024 1:40 pm — Replies 2 — Views 140
View ArticlePersonal Consumer Issues • Should we consider the dealer financing offer over...
https://automobiles.honda.com/financial ... llege-gradOP,Are you buying the car for new graduate and/or military? There is an additional $500 discount.KlangFoolStatistics: Posted by KlangFool — Sun...
View ArticleInvesting - Theory, News & General • Need investing advice
My question concerns how these funds should be allocated in the Roth IRA and in the brokerage account. I assume it should be different, correct?Two places to start: Getting started and Tax-efficient...
View ArticlePersonal Finance (Not Investing) • Odd reason to NOT max out IRA contribution...
I believe you could instead do Roth 401k contributions, which would then leave you with income from which you (given low income) and/or your wife could contribute to a traditional IRA.That is true,...
View ArticlePersonal Investments • Retirement is on the horizon - Seeking Financial Review
Bonesly, wow! Many thanks for your deep and thoughtful analyses. Much appreciated!! It is very comforting to receive this confirmation on question 1, the most important one to us.Re: your Taxable...
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Investing - Theory, News & General • Modified versions of HFEA with ITT...
The 5 years swap spreads per Bloomberg are almost identical to https://www.chathamfinancial.com/techno ... rket-rates , but the 2 year and 3 years swap spreads are different from that of...
View ArticlePersonal Finance (Not Investing) • Pension + S.S. = What % in bonds?
With FERS plus two claims on social security we are 70/30 in our portfolio for life and have been around that allocation since starting investing in 1986. Retired 6 years and our bonds are "Age minus...
View ArticlePersonal Investments • Roth conversions from a 403b at TIAA - where to hold...
To answer some of your questions - the beneficiaries of this account are first my mother (age 79), then three kids (all mid-late 40s). Both of my parents are in good health, but when one of them dies,...
View ArticlePersonal Finance (Not Investing) • S-corp tax prep software
I pay estimated payroll taxes quarterly (approx $2,500) and federal taxes annually. By payroll taxes I assume you mean FICA (Social Security and Medicare)? These aren't estimated. You know exactly the...
View ArticleInvesting - Theory, News & General • Purchasing MYGAs (multi year...
thanks. will be vigilant when the myga ends and need to do something. I think regular withdrawals will be straightforward? So far the website looks pretty good.You need to make sure NOT to withdraw...
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