Personal Finance (Not Investing) • What's Your Exit Strategy (for...
Numbers: can you show them? Giving my own example still working and we are in middle of 32% bracket. Suppose after retirement we have another $100k extra income due to RMD which pushes us in to 35%...
View ArticlePersonal Investments • The Independent Vanguard Advisor
It appears to be, but apparently with several recommended portfolios. But I don't see any information prior to signing up on how often these portfolios might change, which would impact taxable...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
A long-term chart comparing the returns of US vs ex-US stocks is beginning to resemble the Himalayas vs. the Flatlands. ...So your perspective is the markets, as in worldwide investors, have failed to...
View ArticlePersonal Finance (Not Investing) • If You Live in a State Where Servers Get...
No, because I'm not so cheap as to be cruel.Okay. Fine, then why not tip walmart workers, McDonalds workers etc. Why not tip all workers who earn minimum wage.I agree tipping has gotten out of hand,...
View ArticlePersonal Investments • 2.5% withdrawal rate forever?
A 2.5% withdrawal rate is like a dream come true. Gives you room to spend more if needed or desired. A 60/40 portfolio at 4% withdrawal had a minimal change of ever coming up short. I would imagine...
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Investing - Theory, News & General • A Simple Bogleheads Retirement Using...
Forward test as of June 30, 2024We continue our forward test. Here's a link to the previous entry.As of June 30, 2024, the retiree's investment portfolio and income cushion balances are: Investment...
View ArticlePersonal Finance (Not Investing) • Money Matters Concerning Paying for...
A couple of sort of random thoughts.1) Instead of paying the medical bills directly you may be able to give them shares of stock which have a lot of long term capital gains. They could then sell it...
View ArticleInvesting - Theory, News & General • [TSP I Fund changes to MSCI ex US ex...
The latest minutes indicated they were working with MSCI on "interim indices" for 2024 for tracking purposes. This suggests a gradual transition over 2024 and also strongly suggests they aren't done...
View ArticlePersonal Investments • Should I Sell Wellesley Income?
I have owned this fund in my Roth IRA for almost 8 years...and I am very disappointed...I am thinking to sell It sounds like you are flirting with a strategy in which recent returns will determine...
View ArticleInvesting - Theory, News & General • S&P 500 returns for first half...
behind a paywall. can't read it. but, yeah 4% of all the companies tend to create the value of the market. Knowing which ones they are before they do is the problem.This isn't 4% of the companies....
View ArticlePersonal Investments • Talk me into diversifying ... (high tax burden)
I was talking more in general terms. In this case it's more due to paying such high LTCG rate that's got me frozen. And thinking that I could somehow lower the tax rate. But I realize now that I...
View ArticleInvesting - Theory, News & General • Vanguard Auto Buy ETFs
Vanguard is now allowing automatic ETF investments on weekly, bi-monthly and monthly schedule. No sure if any other major brokerages allow this currently.They do and they have for some time.This has...
View ArticleInvesting - Theory, News & General • Bucket Withdrawal Strategy
Even if you thought of it this way to determine your risk, why wouldn't you then do the math to set up an overall AA?Statistics: Posted by sailaway — Sat Jul 06, 2024 10:18 am — Replies 23 — Views 3336
View ArticlePersonal Consumer Issues • Medicare Advantage Reigns. So Who Still Buys...
Another of the endless perpetual debates here on BH (No international! Keep mortgage! 1.2783% withdrawal rate or it's cat food for you! Medicare Advantage is bad!)We always seem to get back to: it's...
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Investing - Theory, News & General • Where My 100% Equities Peeps At?!?
VTSAX/Cash 99/1>100 X69, retired, never owned bonds. SS at 70(close to max) will largely cover basic expenses. Living the dream....I'm also about 100x and SS will be close to the max benefit but my...
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Personal Investments • Portfolio review from Texas
It is 20k not 200k.$20k annual expenses is one way to get to 11 million. Amazing restraint. Since you live in Texas, maybe time to buy a brand new top of the line pickup truck?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Letter from debt collector - didn’t renew...
Aren't Liberty Mutual and GEICO different insurance companies?GEICO doesn’t directly do home insurance directly so they act as a broker with other agencies. They do this with Travelers in...
View ArticlePersonal Finance (Not Investing) • I feel like I cannot afford where I...
I went back and looked at when I hit the $1m mark. I hit it in 2007, at age 44, then 2008 happened and I lost it, then I hit it again in 2011, at 48. I still retired at age 53 with enough money that...
View ArticlePersonal Investments • Rebalancing Between Accounts
OP,50% of my portfolio is in the Rollover IRA account. My AA is 60/40. Hence, I only use one fund in most of other accounts. I only need to do my rebalancing in this rollover IRA account.If you give...
View ArticlePersonal Finance (Not Investing) • Credit Score Nightmare
My wife used one of those clothing store cards and forgot to give me the receipt. The emails to her about the overdue charge somehow went to junk or were assumed to be advertising when she saw the...
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