Personal Investments • Fidelity ABLE Multi-Asset Index Portfolio
My daughter and I are beginning to investigate avenues to fund my granddaughters special needs trust. We live in MA. I came across the Fidelity Attainable Savings program that allows you to invest in...
View ArticlePersonal Investments • VOO - Large GROWTH (not Blend) moving forward?...
Hi. In 2023 VOO "officially" drifted across the line into Morningstar's "large GROWTH" style box instead on “large BLEND (thanks nisiprius). He pointed that VTI & Total Stock have also drifted to...
View ArticlePersonal Finance (Not Investing) • The "only math" of Debt snowball...
From time to time we have heard a number of statements about debt snowball vs debt avalanche strategies, such as avalanche is better mathematically or that snowball is an easier strategy to stick to.I...
View ArticlePersonal Investments • Portfolio Review with inheritance coming
Below is my current portfolio. Questions are at the bottomEmergency funds: 6 Months in an HYSA (Synchrony)Debt: $175k left on mortgage at 2.1% with 13 years left. Tax Filing Status: Married Filing...
View ArticlePersonal Investments • Help consolidate and improve my complicated portfolio
High level: I would like to simplify my approach. After inheriting some accounts in 2020, I made a lot of reckless ETF/stock purchases at the market height. I need to withdraw the inherited funds by...
View ArticlePersonal Investments • I gained 21% this year so far in my IRA. What should I...
I have a smallish rollover retirement account that is self directed. I made 37% last year and I'm at 21% this year so far. I primarily used 3x leveraged TQQQ and FNGU to achieve this. My goal is 20%...
View ArticlePersonal Investments • Holdings and Dividends
I am getting over the shock of how much our dividends have grown this 2023 tax year from the last. Our dividends have doubled (1.84 times) from the previous Tax year in fact. At first I did not...
View ArticlePersonal Finance (Not Investing) • Moving states. How do coversions work?
Hello everyone. I am moving from MA to NH in September for 24 months, and then I expect to return to MA. I would like to convert my Traditional retirement savings to Roth during this time given NH...
View ArticlePersonal Finance (Not Investing) • What percentage of spending normally goes...
My wife and I were recently reviewing our spending habits for the last year. We generally do this once a year in January/February. We like to keep tabs on spending requirements to help get an idea of...
View ArticleNon-US Investing • portfolio rebalancing [CHINA]
Hi everyone,Here's my situation:Country of residence: ChinaInternational lifestyle: Will move to Europe within 5 years.Age: 45Currency: EUREmergency funds: 6 months cashDebt: No debtCURRENT...
View ArticlePersonal Consumer Issues • Aftermarket Camera Battery Brands
I have a good point and shoot for which the battery no longer holds a decent charge.Aside from being expensive, the OEM batteries haven't been made in several years, so any still available are old...
View ArticleInvesting - Theory, News & General • You will not get index return - but...
So one of the things told is that we won't get index return due to expenses. I believe Rob Berger mentioned that when he runs numbers, he subtracts out 0.5% for this. Empower appears to do a bit more...
View ArticlePersonal Investments • Moving money between two IRAs regularly.
I have both a rollover IRA and a traditional IRA at Fidelity. I’ve retired and have no 401k anymore. I opened and moved holdings from the rollover to the a newly opened traditional early this year....
View ArticlePersonal Finance (Not Investing) • RSUs vested in 2023, did not sell;...
I see a fair bit of discussion on RSUs that vested and were sold, and making sure you use the correct cost basis for them (see e.g. viewtopic.php?t=370856). My question is slightly different: Employer...
View ArticlePersonal Investments • Custodial Brokerage Account for Non-US Child
Is it possible to open one?Statistics: Posted by syngameon — Sat Feb 03, 2024 9:00 pm — Replies 1 — Views 141
View ArticlePersonal Investments • Where to park 200K for 4 years
Where would you all recommend parking 200K that I need in 4 years (paying off a no interest loan due then)?Don't need the money/liquidity during this time. CA resident at pretty high 10.3% marginal...
View ArticlePersonal Investments • Starting a Solo 401k
I may be cutting the corporate shackles soon and going out on my own as a single-member LLC. One of the things I’m thinking about is how to get a solo 401k going for myself. I’d appreciate if folks...
View ArticlePersonal Finance (Not Investing) • Foreign loan repaid in USA
Folks,I had given money to a family abroad and they are willing to repay in USA via zelle ($35000) over multiple payments. I did not get any interest and there is no paper trail as the support was...
View ArticlePersonal Finance (Not Investing) • Capitol gains v loss in tax loss harvesting
Several years ago I had a large loss on an individual stock. I have been able to deduct $3000/year against ordinary income over the last several years and the loss now stands at $21000 (carryover)....
View ArticleInvesting - Theory, News & General • EMH - Are the markets efficient?
Hello! I was thinking … it is very very likely that the fed is done raising rates and very very likely they will lower rates at some point this year. No one knows for certain. But in the absence of...
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