Personal Investments • Pension options and how to analyze
I’m planning to retire early next year at 55 years old.I’m fortunate enough to have a pension plan (been with company 25 years) that will cover most of our current normal spend. There’s no COLA...
View ArticlePersonal Finance (Not Investing) • Helping parents gift stock to...
Hi,I want to help my parents gift stock to my sibling this year. They want to gift stock as opposed to cash because they don't want to pay capital gains tax.If my parents select a stock on the basis...
View ArticlePersonal Finance (Not Investing) • Home Purchase (Mortgage vs Cash on New...
Not one of these again!My spouse and I (early 30s) are contemplating a first home purchase for a non-custom new home from a regional builder. The house will cost ~$550K.Options:- The builder is...
View ArticlePersonal Investments • timing equity investment
I refer to today's WSJ article by James Mackintosh, and in particular the forward PE ratio S&P500 return over 10 years chart.see (unlocked): https://www.wsj.com/finance/investing/m ... _permalink....
View ArticlePersonal Investments • QCD from inherited IRA
I recently inherited an IRA from my mother, who was taking RMDs, and took her 2024 RMD prior to passing. I am older than 70 1/2. It is my understanding that starting in 2025 I am required to take...
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Personal Investments • TIPS ladder, the missing years ..."for dummies"
We are about to purchase a TIPS ladder to add some inflation-protected fixed income to our social security. My desire here is "set it and forget it," so I want to be very clear about our plan when the...
View ArticlePersonal Investments • Switching from stocks to index funds
I have all of my Portfolio in stocks and at 61 I am ready to put it all in index funds. I really would like to do it myself insted of using advisor for that.Currently I have advisor.Would that be a...
View ArticleNon-US Investing • How to invest in Vanguard funds like VTI from Switerzland
Hello,I learnt that Vanguard do not have a mechanism to support individual investors to buy VTI or VOO funds in SwitzerlandWhat are the options available to buy VTI or VOO stocks from Vanguard either...
View ArticlePersonal Finance (Not Investing) • Least Expensive Way to get a House in MLS...
What is the least expensive way / best way to get a house in MLS without a Broker? Saw this topic was covered in 2011 here but thought folks may have recent experience. thank youStatistics: Posted by...
View ArticlePersonal Investments • 403B Annuity Rollover
Hello,My wife has a VERY small amount ($6k) in a TIAA CREF 403B. In order to simplify, we wanted to roll this over into another employer's 401K account as a 403B rollover. While there aren't any fees...
View ArticlePersonal Finance (Not Investing) • Auto insurance while out of the country
I'm leaving the US for a few years but will visit once a year for 7-10 days and during that time plan to rent a car. I sold my car so I don't own any vehicle at the moment.My Chase Sapphire Reserve...
View ArticlePersonal Investments • Silver Exposure
Hi,I am considering adding silver to my portfolio to replace REITS.This will be roughly 5-10% of my total portfolio as a long term play on the metal since it is used extensively in the energy and...
View ArticleInvesting - Theory, News & General • Vanguard Purchases 3 million shares...
First and foremost- Please Check politics at the door.This is a discussion of company valuation and investment stratedgerie.That being said-I see nothing that leads me to believe that this company...
View ArticlePersonal Finance (Not Investing) • Short-Term Capital Gains and...
I have recognized roughly $80,000 in short-term capital gains so far in 2024. Almost all of that is from using my "fun money" of $20,000 to trade short-dated NVDA call options. These funds were never...
View ArticlePersonal Finance (Not Investing) • When one spouse lives much longer...
This was a revelation to me. I'm guessing it is NOT much of a revelation to veteran Bogleheads, but I hope it helps someone with their planning.I was playing with various scenarios in NewRetirement,...
View ArticlePersonal Finance (Not Investing) • Inheriting an IRA
Background.Parents mid 90's. Declining health4 children stand to inherit a significant ordinary IRA on the demise of both parentsNo real opportunity for ROTH Conversion.I understand the 10 year IRA...
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Personal Investments • Help: Three Fund Portfolio Setup
Started a new job in Kansas this month. Comes with a retirement account through TIAA. Also has 403(B) and 457 retirement accounts.I already have a rollover 401K and a Roth IRA. Both of those are set...
View ArticlePersonal Investments • Inheritance and Stock Concentration Issue
Hi Bogleheads, looking for some advice or possibly just some feedback on my approach/strategy. Sorry in advance for the length, this has been a few years in the making.Approximately 4.5yrs ago, my...
View ArticlePersonal Consumer Issues • Be very wary shopping at Home Depot !
Just a word to fellow BHs if they shop often at Home Depot. I've always used my veterans 10% discount each time I shop at my local home depot but no more patronage at HD until they fix many of their...
View ArticlePersonal Investments • Real Estate, per Malkiel
This has been puzzling me for a long time.Burton Malkiel, in his "Random Walk" book, recommends Real Estate (a REIT fund) as an integral part of a portfolio along with stocks, bonds, and cash. He...
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