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Personal Investments • September losses
OP may be referencing the September Effecthttps://www.investopedia.com/terms/s/se ... effect.aspThe September Effect refers to the historically weak stock market returns observed during the month of...
View ArticlePersonal Finance (Not Investing) • Vanguard doesn't need names of children...
So in my case, I have a stepchild who will inherit 1/3 of spouse's 401K, the other 2/3 will go to the 2 children from our marriage, assuming I predecease my spouse. My retirement accounts have my...
View ArticlePersonal Finance (Not Investing) • Planning Ahead for Estate Tax
You are 29. You should have other things on your mind.There are worse things in life than having heirs pay estate taxes.Statistics: Posted by TomatoTomahto — Mon Jul 08, 2024 10:46 am — Replies 3 —...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
Trying to get my head around taxable first. With taxable, I’ll pay near zero taxes. The biggest drag would be dividends, but you would live off of those anyway. Why wouldn’t you withdraw from tax...
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
Here’s to evolution, as opposed to revolution.There's an article in the WSJ today, welcoming the new CEO.The title of the article is telling - Vanguard's Die-Hard Customers Have a Message for New CEO:...
View ArticlePersonal Consumer Issues • Actuary Career - Thoughts Please
And now that AI is sentient, will actuaries even be needed in the next 5 years?A lot of what actuaries do is compliance with regulatory requirements. I don't foresee the regulators allowing AI to...
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Personal Consumer Issues • Heat Pump Maintenance: Professional Annual...
Check to see if you need to have annual maintenance to get warranty coverage. Yes; our systems have a standard mfr parts warranty but the full warranty (labor by service co) requires annual...
View ArticleInvesting - Theory, News & General • Conservative allocation regrets
Just curious if anyone is in the same boat.I am 57 and have been investing with Vanguard for at least 25 years. For most of that period (including the last 15 years) I have settled on a 65% stock 35%...
View ArticlePersonal Investments • Fidelity Planning tool changes- yuck
If you're trying to do long term financial planning, I'd very strongly recommend ProjectionLab. It's phenomenal.Statistics: Posted by OatmealAddict — Tue Jul 09, 2024 10:54 am — Replies 3 — Views 656
View ArticleInvesting - Theory, News & General • Vanguard Customer Service Mega-thread
New article on vanguards customer service challenges. https://apple.news/AEIv5YHFRQjiGbLWTLexQ6wIt's behind a paywall.A tip. Type "archive.is/" (without the quotes) before the web address...
View ArticlePersonal Consumer Issues • Rough riding Toyota Sienna
....+1. If you are in Illinois I’d take it to the Car Care Nut.Agree, but due to their popularity, long wait times for appointments are normal.Statistics: Posted by bobn60014 — Tue Jul 09, 2024 10:55...
View ArticlePersonal Investments • gifting $ to adult children in tax efficient way
You can gift up to $18,000 to an individual ($36,000 per person from a mother and father) or ($72,000 per couple from a mother and father) per year. If your children have children, you can rinse and...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
The moment that terms like "win rate" enter the conversation, we are now in gambling territory. The lens in which we view investing largely influences our allocations. If you view investing in the...
View ArticlePersonal Finance (Not Investing) • Should I do Rollover IRA?
Don't rollover to IRA.Move all the 401K assets, to the best 401K plan you currently have.Consider the 401K company (Fidelity or?), fund options and expense ratios. Some 401K plans have a brokerage...
View ArticlePersonal Investments • Teen Daughter with 1099 summer job - IRA contribution...
everybody so far is focused on the number before or after taxes and honestly i don't recall which is rightbut i do know that if she has any expenses, neither answer is correct, because you subtract...
View ArticlePersonal Consumer Issues • What are you listening to now
God only knows The Beach BoysStatistics: Posted by AlohaBill — Tue Jul 09, 2024 10:58 am — Replies 6340 — Views 736184
View ArticlePersonal Finance (Not Investing) • Should I buy the $1.5M home in cash?
I've been lucky in the stock market and have about $2.3M worth of positions in my taxable account, which comes out to about $1.7 after federal and state taxes. Part of me wants to "solidify" the gains...
View ArticlePersonal Finance (Not Investing) • [Help with gifted I-Bonds for...
Have you tried calling or writing Treasury Direct?Statistics: Posted by Iorek — Tue Jul 09, 2024 10:58 am — Replies 1 — Views 217
View ArticleInvesting - Theory, News & General • Buy/Sell vs. Buy/Hold theory question
It is amazing how strong the urge and pull of market timing is, even on a Bogleheads forum. If there were a way to consistently beat the market then everyone would already be doing it.Statistics:...
View ArticleUnited Arab Emirates • Ireland domiciled BOND ETFs vs US-domiciled? What's...
2. There is NO estate tax related to bonds (Page 3 here: https://advisor.morganstanley.com/miche ... _NRAs_.pdf ).Are you certain of this? There may be no US estate tax risk from some directly held...
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