Investing - Theory, News & General • A Christmas Message
Bogleheads:On Christmas Eve 1944, I was a 20 year old American paratrooper in a snow-covered foxhole outside the Belgian town of Bastogne. The Germans had launched a night attack thinking we would be...
View ArticleInvesting - Theory, News & General • The variable annuity advantage -...
Let’s assume the following applies to you:1. You are a high earner in a high income tax state (let’s say CA)2. You don’t have enough tax advantaged space to hold the bonds that you want to hold3. You...
View ArticleNon-US Investing • Combining VWRA with VUAA
VWRA has about 60% US equities and 40% International. If I want to change that to 80 US/20 International allocation, would it be reasonable to buy VWRA and VUAA 50/50 in value? Like I if I buy 500...
View ArticlePersonal Investments • What is Your Biggest "Good Problem to Have"?
Often, I will read a thread on Bogleheads where the OP or a reply will comment "Well, that is a good problem to have!". What is your biggest "Good Problem to Have"?For me, it is my tax deferred...
View ArticlePersonal Investments • 12 Month Gifted I-Bond Date - Issue or Delivery?
Bought two gift I-Bonds in Oct 22, delivered them in Jan 23. Had already purchased the max for 22 so had to wait to deliver.Has the 12 month clock run already for these gifts (issue date) or is it the...
View ArticlePersonal Investments • Portfolio Review - Thoughts Please!
Hello Bogleheads:I have been following this forum for a while now, soaking in the good advice offered by many. My portfolio has been/is a work in progress and would appreciate some sage advice please!...
View ArticlePersonal Investments • metro diary and market tips
This years winner from the NYT Metropolitan Diary entries ... Valuable TipsDear Diary:I was taking a walk in the Wall Street area a few years ago when I decided to pop into a deli. I ordered a...
View ArticleInvesting - Theory, News & General • Asset allocation for a 10-year payout
Hello BHs. I am a 54-year old with a 50-year old wife and two teens. I have ~ $2.5mm in a Deferred Compensation account with my employer. Whenever I leave their employment (date TBD but somewhere in...
View ArticlePersonal Investments • Thoughts on my Roth IRA
Good morning all,I was wondering what the consensus was on two new-ish ETFs that use leverage towards bonds and managed futures, RSSB and RSST. The former (RSSB) is a globally diversified ETF with a...
View ArticleInvesting - Theory, News & General • Dividend skipping
The following describes a way to pay capital gains tax rather than income tax on funds that pay dividends.My hope is that someone here will recognize the strategy and point me to an article about...
View ArticlePersonal Investments • How to rebalance out of QQQM without selling?
Over the past 2 years, I made the mistake of performance chasing by investing in QQQM. I now want to diversify out of it without selling, since all of it are in my taxable account ($30k unrealized...
View ArticlePersonal Finance (Not Investing) • How to vet a CPA?
My tax situation is a little complex this year, so am thinking of using a CPA for the first time. I've located one - found him online, and then had a fairly long conversation on the phone (free). I'm...
View ArticlePersonal Finance (Not Investing) • New job with fixed dollar amount of RSUs
I am starting a new FAANG job in 4 months. The contract has already been negotiated and signed and I will receive an $500K RSU grant, vesting over 4 years when I start in April. The number of shares...
View ArticlePersonal Investments • VG - conversion to ETF
Question about conversion from mutual fund to ETF. My understanding is that the price I will get is the NAV price and the current trading price could be at a discount or premium. So, in effect when...
View ArticlePersonal Investments • Asset allocation advice
I am 31 years old with a staying at home wife and a child. We have around 850K in net worth with an annual income of around 150K.Current allocations:- 33% in paid house equity, - 35% in stock...
View ArticlePersonal Investments • Roth Conversion
I would like to do a Roth conversion before the end of the year. I have space in the 12% bracket to do so, but not much. My question is whether I need to include municipal bond income or just use...
View ArticleInvesting - Theory, News & General • The Bogleheads' Guide to Investing...
While this forum and the Boglehead's wiki pages have offered me outstanding advice over the years (and I've referred many to come here), I recently picked up "The Bogleheads' Guide to Investing" book...
View ArticlePersonal Consumer Issues • ACA coverage question
I have employer healthcare until Apr 30 of next year. After that I am planning to take ACA (Texas based) for about 5 months between May and September, under Special enrollment, after which I plan to...
View ArticlePersonal Investments • Reviewing Investment Choices
Hi,Me and my spouse are reviewing our 401k choices and investments and would like to get your opinion. Any review and suggestions are appreciated. Thank you.About us:Emergency funds - 3 months of...
View ArticlePersonal Investments • Cash Basis 1065 reporting of SE 401k profit sharing...
I'm doing a little advance tax planning for year end and am having a hard time understanding how i would account for the profit sharing contribution I will make to my SE 401k plan in 2024 for calendar...
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