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Personal Investments • What is the deal with Fidelity's time until cash...
You'd think that after 6 years of doing this at Fidelity I would be an expert but I must either forget every year, things are constantly changing at Fidelity, or I am truly insane and have no business...
View ArticlePersonal Finance (Not Investing) • Pro-rata calculation for IRA for multiple...
I'm struggling with amending my 2021/2022 returns to add 8606 forms missed and found there was rollover IRA I have had since 2020 with money in it making pro-rata rule applied to 8606 making things...
View ArticlePersonal Finance (Not Investing) • Looking for Tax advise after recharcterize...
I’m preparing 2023 tax return. I had a direct Roth IRA contribution of $6k after tax money in 2023 but realized my 2023 income does not allow that direct Roth IRA contribution. So I’m planning to...
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Investing - Theory, News & General • Equity Risk Premium when you're not...
Hi all, Learning about lifecycle investing, using TPAW and some of the underlying math. I have a question about applying it to my circumstances.I'm generally tracking all the uncertainty about the...
View ArticlePersonal Investments • VTIP ETF yield to maturity
Here are the portfolio characteristics for the VTIP ETF (as of 01/31/2024):Yield to maturity: 4.1%Average coupon: 0.8%Average effective maturity: 2.6 yearsAverage duration5: 2.5...
View ArticlePersonal Finance (Not Investing) • Form 5500 for i401k, anything else?
I'm an employed W2 with a 1099 side-gig, for which I have an Individual 401k and stuff "employer" contributions in.I understand that I have to file Form 5500 each year, when above $250K in the...
View ArticlePersonal Investments • Wash Sale and replacement shares for vested RSU
I have a question about identifying replacement shares for a wash sale.Let's say I have two RSU grants of XYZ stock that are vested monthly.Feb 1st: 15 shares of XYZ from two grants vested. 5 shares...
View ArticlePersonal Investments • VG Divdend Funds in Retirement
I notice that VG High Dividend Growth and High Dividend Yield have a worst year value of -4.9% & -0.44% vs VG Total Market value of -19.51%. The best year of all 3 are very close to each other....
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Personal Consumer Issues • AARP/UHC Medigap policies
We are in the process of signing up for Medicare. Living in NJ once we pick a plan we may be pretty much "stuck" on it for the rest of our lives. With the research I have done it seems that sticking...
View ArticlePersonal Investments • TIPS, inflation, deflation, and the "phantom...
Hypothetical situation here. I buy a TIPS in my taxable brokeratge account and hold it to maturity. Inflation ensues for a year or two, and the principal on the bond increases. I pay income tax every...
View ArticlePersonal Investments • Vgd Bond Page Nth Complaint
I normally buy T-bills from 1-3 times a week at Vanguard in spite of the flakey performance 0f their bond page..For the last two weeks I have been unable to do that and my settlement fund is getting...
View ArticlePersonal Investments • Roth Conversion better in market downturn?
66 yr old retiree. Converting from Trad IRA to Roth over the next few years. Hypothetically is converting in a market downturn advantageous? Thanks for any opinions.Statistics: Posted by comfortzone —...
View ArticlePersonal Finance (Not Investing) • Laid off and want to downshift
I (35M) was laid off in November 2023. Luckily, I received a solid severance in addition to the company repurchasing my vested equity.I’ve been job searching since Nov, and have made it to two final...
View ArticlePersonal Investments • ESPP Qualifying Disposition Calculation
I had some ESPP shares that I sold in Feb. I saw paystub where my employer added $644.93 as a stock purchase plan qualifying disposition to my income. I'm trying to reconcile this amount in my ledger...
View ArticlePersonal Investments • Career ending, getting fired. Can we FIRE ?
I'm currently on FMLA on group short-term disability. I expect to be terminated for performance reasons soon after the 90 days are up. I don't know if I'll be eligible to apply for group long-term...
View ArticlePersonal Investments • Fidelity FZEXX - does it matter if I reinvest the...
I have a chunk of Fidelity FZEXX (Fidelity Tax-Exempt Money Market) in my Fidelity CMA. For a typical Muni fund I would take the dividends in cash rather than reinvest. Since FZEXX maintains a...
View ArticlePersonal Finance (Not Investing) • Paying back 403 b loan
Hello, I took out a 403 b loan in 2022 for 50k for my house. owe about 35k still. Payments back to my 493b are about $995 a month for a total of 60 months. I am retiring in July. I can afford the...
View ArticlePersonal Investments • Help with new 401k options
Hi, my husband’s finally going to be eligible for a 401k at his company and they sent over his investment choices which frankly look terrible, so I wanted to get advice from the smartest people I know...
View ArticlePersonal Finance (Not Investing) • Timeframe for Notice of Proposed...
I received a Notice of Proposed Assessment Payment from CA Franchise Tax Board. The deadline to protest (disagree) or agree and make a payment is 4/30/24. My question is (I agree and plan to pay)...
View ArticlePersonal Finance (Not Investing) • How to be sure there are no capital loss...
I am doing my 2023 taxes now. Where should I look in my 2022 tax return to make sure that I have no capital loss carry over from 2022 that should now be entered in 2023 tax?Statistics: Posted by...
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