Personal Investments • Tax on Currency Exchange, and Converting Back &...
For the US I've read elsewhere that there's little to no tax on individuals making currency exchanges (except maybe for when leaving a country there can be an "Exit Tax" the US imposes). But that...
View ArticlePersonal Finance (Not Investing) • Retire early SS income question
I understand most of the rules for early retirement and collecting SS while working. My question is in a mid year retirement your income limit is based on monthly income for the remainder of the...
View ArticlePersonal Investments • Another TIPS question
I have a 20 year TIPS that I bought at a discount. It’s a 0.65% coupon with a 2.42% YTM bought at $73.02. Does the inflation adjustment happen on the par price? For example, if there is 3% inflation...
View ArticlePersonal Finance (Not Investing) • Charitable Finance Strategy
I am paid a W2 employee and have been looking online for any tax strategy that's available to reduce my tax burden.I have recently come across charitable finance strategy from a company called Wealth...
View ArticlePersonal Investments • Am I making mistakes in my 401k/roth allocations?
I don't know much about bonds or retirement style investing, so I have the following allocations in my portfolios..Age: 36401k - 100% into FXAIXRoth - 80% into VTI, 20% into VXUSShould I be changing...
View ArticlePersonal Finance (Not Investing) • Late Final Form 5500-EZ Questions
I’m getting close to the threshold required for filing Form 5500-EZ, and while researching the filing requirements I realized that I’ve made some mistakes that I could use some help with.BackgroundI...
View ArticleInvesting - Theory, News & General • Wash sale rule WRT IRA
Hi All - If I sell BND in my taxable account for a loss, and want to buy BND in my IRA, I am aware that I have to wait 31 days in order to avoid a wash sale. So let's say to avoid the wash sale, I buy...
View ArticlePersonal Investments • Talk me into diversifying ... (high tax burden)
Hi Bogleheads. Here's my situation. I've been blessed to have built up a substantial position in an individual stock currently worth $5.4M, with a cost basis of about $150k. The rest of my portfolio...
View ArticlePersonal Investments • IRA Rebalance during RMDs?
This is probably a rudimentary question... but I'm handling my mom's finances as POA. She turned 73 this year so she will be taking her first RMD. She has about $750k in her IRA - most of it is...
View ArticlePersonal Consumer Issues • GEICO denied additional liability coverage
I have GEICO insurance, had them for years and have been happy with them. A few weeks ago I requested a quote to have a million in liability. I currently have 500k/750k. They said it would cost $20...
View ArticlePersonal Investments • Investment Simplification and Cleanup for California...
Emergency funds: $22k in VUSXXDebt: $11k all 0% interest and will be paid off this yearTax Filing Status: SingleTax Rate: 5% Federal (effective) , 4% State (marginal)State of Residence:...
View ArticlePersonal Finance (Not Investing) • Current VG website issues?
I'm wondering if others are currently having issues with the Vanguard website? When I try to initiate a transaction, I get an error page that says "This page isn't working; www.vanguard.com redirected...
View ArticlePersonal Finance (Not Investing) • The reasons for having money outside...
So, roughly 97% of my portfolio money (that is, money not tied up in, say, my house, and money not in various emergency funds) is in my 401K. We could discuss the reasons, but what's done is done.I...
View ArticlePersonal Consumer Issues • Authy 2FA security app hacked for phone numbers
For anyone who uses this, worth knowing it was hacked losing 33 million phone numbers. Supposedly limited to phone numbers. If you've not updated the app you will want to do so....
View ArticlePersonal Investments • Please, Help Me Get Back In! Portfolio Review
Emergency Funds: YesDebt: None. Own car/houseTax Filing Status: Single, no children Tax Rate: 24% Federal, 9% StateState of Residence: CAAge: 57 yrsDesired Asset Allocation: 60% stocks / 40% bonds...
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US Chapters • Roll Call for the Retirement Class of 2025!
It's time already! The Roll Call for the Retirement Class of 2025 is now open!Are you planning to RETIRE in 2025? Add your name to this Wonderful Bogleheads Retirement Roll Call, post your R-date and...
View ArticlePersonal Finance (Not Investing) • Taking money from retirement account w/o...
First off, I have no interest doing such a thing. But someone told me that they heard from someone else that this person bought a house using the money in his retirement account, and didn't pay any...
View ArticlePersonal Investments • TLH Phase 2 / Where to Put the Next Chunk of Cash?
We did a TLH transaction in Q4 2022 and ended up with about 5,000 shares of ITOT. That block of ITOT shares has appreciated substantially since then.Now we have accumulated another significant tranche...
View ArticleNon-US Investing • [Australia] Moving super fund.
Hey guys,I'd like to get some thoughts on changing my superannuation/retirement fund.Currently 33 and I am with AustralianSuper in the High Growth option ($213,756) and contribute the $30,000/pa limit...
View ArticlePersonal Investments • Business as % of Portfolio
Long story short, DS recently bought into a business as an owner/partner. The business is taking off and the stated goal is to sell to PE within 3-4 years. What’s the best way to include a business as...
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