Personal Finance (Not Investing) • To Roth or not to Roth ...
We have not put money in a Roth for at least 5 years. We started, my wife needed to quit her job and that's when it ended. All totaled about $80K.I went to the Boglehead search found a WIKI that had...
View ArticleInvesting - Theory, News & General • open to portfolio suggestions
Been saving all my life. Sadly, didn't become a Boglehead until 2018 so I have been in the market for 6 years more or less.I am 45M. Single. Paid off home worth about 550k. Car is paid off too.No...
View ArticlePersonal Investments • Income Exceeding Roth IRA Contribution Limits
Hi all,Early last year I contributed to maximum amount for my Roth IRA for tax year 2023. Since then, I received and accepted a job offer where now my MAGI income for tax year 2023 exceeded the Roth...
View ArticlePersonal Investments • ESPP & being double taxed
I keep hearing to be super careful about reporting your ESPP sales in Turbo Tax that you are not double taxed, and you need to adjust your cost basis to account for this.Am I correct in assuming this...
View ArticlePersonal Finance (Not Investing) • Need some assurance for my resignation...
Hi,Lately I have some issues with my current IT work environment. My current manager asked me to take responsiblities of a co-worker's workload because that person is incompetent and could not do her...
View ArticlePersonal Investments • How to set up a Roth IRA for an adult child with bipolar
Hello, Bogleheads.My young adult child who became quite ill last year had enough earned income to be eligible for the full amount of a Roth IRA. I'd like them to open a Roth IRA and I would then fund...
View ArticlePersonal Investments • Moving Canadian retirement assets to US custodian?
I'm trying to help my sister with a question about moving Canadian retirement assets to a US custodian. My sister owns a retirement fund that she inherited from her husband when he passed away. I...
View ArticlePersonal Finance (Not Investing) • How do you calculate your retirement...
When you say a number for retirement whether it is absolute or times expenses (like 33x) etc. what does that number mean. For example, today S&P500 crossed 5,000 for the first time. Few months...
View ArticleInvesting - Theory, News & General • NVDA earnings end of month
To state the obvious, what has happened with NVDA is incredible. Is there any way NVDA comes out the other side of earnings not over-valued? Such a unique situation with zero competition [presently]...
View ArticlePersonal Finance (Not Investing) • Beneficiary challenge a designation percent
While “interviewing” estate lawyers for their services, one person suggested that it’s possible a contingent beneficiary could challenge the beneficiary designation percentage(s). This seemed quite...
View ArticlePersonal Finance (Not Investing) • Review My Plan: Switching Solo 401k to...
Next year, I plan to switch my Solo 401k to a SIMPLE IRA, as I plan to slow down my side gig activity and will no longer need the higher contribution limits of the solo 401k (and I never did any...
View ArticlePersonal Investments • SEP to Roth? And a W2 "retirement plan" box...
I have a SEP-IRA account of $475K in VBTLX, funded from 20 years of contributions totaling $265K. I was the owner of a small business, and the sole employee. On my (self-prepared) W2 forms each year I...
View ArticleInvesting - Theory, News & General • New Vanguard Tax-Exempt Bond ETFs...
I was surprised to discover that Vanguard now has a brand new CA tax-exempt bond ETF with 0.08% fee:https://investor.vanguard.com/investor- ... -bond-etfsStatistics: Posted by GreendaleCC — Fri Feb...
View ArticlePersonal Investments • REIT INDEX
Given the commercial real estate market and the trend away from shopping centers to online sales are REIT index funds worth considering?Statistics: Posted by Rockaway — Fri Feb 09, 2024 11:14 pm —...
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Personal Investments • I want to change my asset allocation, but...
I'll try to keep this as brief as I can:I want to take on more risk in my asset allocation. I am currently 20% in bonds using Wellesley while the other 80% is VTI, International and the remaining...
View ArticlePersonal Investments • guidance on diversifying into international equities
I'm looking to diversify with some international equities. I follow the White Coat Investor blog and i am a huge fan of vanguard in general, which is where i have my brokerage and my ROTH account. My...
View ArticlePersonal Investments • What is happening with the SEC Yiled for TIPS funds?
Hello,Anyone can help me understand what is happening with the SEC yield for the intermediate TIPS funds?First, real yield is currently positive across the longer dated part of the...
View ArticleInvesting - Theory, News & General • "Vectors"
Bogleheads:I am somewhat of a newsletter junkie. It dates back 50 years ago when the Miami Library subscribed to several dozen financial newsletters. I would go down to the library every month to read...
View ArticlePersonal Investments • Retirement Income question
We have $300,000 in cash from the recent sale of a house for my 77 year old mother. The goal for this cash is to yield ~ $1500-1800 of income per month (which may increase yearly to keep up with...
View ArticlePersonal Investments • Retiring at 60. Will I go bust before 80?
Hello, Seeking feedback on my retirement plan--Emergency funds: Six monthsDebt: No debtTax Filing Status: SingleTax Rate: 14.11% (Marginal 22%) Federal, 4.4% StateState of Residence: ColoradoAge:...
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