Personal Investments • Vanguard Wealth Management for clients having 5 M + in...
That service provides:1. An initial asset allocation informed and maintained with reference to Vanguard's proprietary Capital Markets Model. It is intended to result in a portfolio optimized for a...
View ArticlePersonal Consumer Issues • New York City trip report and a question
Very interesting points, Valuethinker. My recollection of the Tube is that the average depth is much deeper than in NYC, even though the maximum depths may be similar.I did not know about the shallow...
View ArticlePersonal Investments • Retirement vs. 529 Accounts for a Late starter.
Since California doesn't have a state incentive for 529 contributions, and since you timeline is short, there are very minimal benefits to 529 contributions for you for the older child, at least. Any...
View ArticlePersonal Investments • Roth conversions to 32%, 35% tax bracket?
... I live in California with a tax rate of 9.3%.Any chance the state of residence will change? That could save 9.3% on any Roth conversions. Regards,Statistics: Posted by retired@50 — Sun Sep 29,...
View ArticleUS Chapters • [Dr. Seuss describes the Bogleheads via ChatGPT]
I like the limerick and Groucho would be great on the moon, unlit cigar in hand. I thought the AARP had a good suggestion to ask the chatbot how Homer Simpson might explain quantum computing, a good...
View ArticlePersonal Investments • First Post/Request for Portfolio Review
Taxable14.33% Thrivent Large Cap Growth Fund - S (THLCX) (0.76%)Consider selling this expensive fund. At the least turn OFF all automatic dividend reinvestment. And if you're actually holding this at...
View ArticlePersonal Finance (Not Investing) • Fidelity Fed Up!!! [Transfer advice...
This person did an ACH of 500k, then was surprised their money was held.I don’t think the amount really matters. $500k or $5, at no point during the transfer did Fidelity warn about an excessive hold....
View ArticleInvesting - Theory, News & General • [Are] Bogleheads Tilters and Timers[?]
Unless I am missing something, it seems that the differences between the Doeswijk market portfolio reflected in the paper and, say, someone who owned a home and put the rest in the Bill Sharpe-style...
View ArticleInvesting - Theory, News & General • Do Dividends track inflation?
Here we go again.There is a long running debate on Bogleheads on dividends. Having worked in both accounting, investments, and investment accounting let me say that the relationship between dividends...
View ArticlePersonal Investments • From CD's to treasuries
I have all my fixed income {2 million} invested in a ladder of CD's. Keeping within the FDIC 250 k limit for each bank as I reinvest is a choir. I am thinking of replacing each CD as it matures with a...
View ArticlePersonal Investments • What is a year of retirement in good health worth?
So my question is what is a year of healthy retirement worth? I am a 55 years old and now eligible for retirement from the fire department with almost 30 years of service. It seems like a bit of a no...
View ArticlePersonal Investments • General Question about AA and Risk Ability
I've settled on a one-fund plan, VBIAX, 60/40, across the board.When I read about asset allocation and risk, the focus seems to be mostly on the personal nature of willingness, need related to actual...
View ArticlePersonal Finance (Not Investing) • Cryptic Chase credit card "Interest...
Great. So I set up to pay my $2500. over 24 months, with no monthly fee and no interest, checking "interest saving balance".If I added the other >$!000 item, it would have charged me an $8/mo. fee,...
View ArticleInvesting - Theory, News & General • [Fidelity Health Savings Account...
I saw an old thread that said Fidelity HSAs don't track cost basis. Is that accurate? It's relevant for CA/NJ.I know they probably won't provide a 1099, but I assume on the positions page I could...
View ArticlePersonal Finance (Not Investing) • Teen allowance in HCOL area
Bump the allowance. Sounds like your kids is doing great - I’m guessing you are in a position to help out more and I wouldn’t add this additional stressor to her life at this point.Statistics: Posted...
View ArticlePersonal Finance (Not Investing) • 2025 FEHB and PSHB Rates Posted
It’s interesting that the PSHB Geha HDHP costs more than the FEHB Geha HDHP plan when the intent for breaking away from the FEHB was to save the postal service money. Not sure why this plan might be...
View ArticlePersonal Consumer Issues • Size of Adjustable Wrench to Tighten Drain Pipe
Thank you for all the helpful suggestions on tools! Your replies were informative. Do I have to purchase the faucet's brand of o-ring type rubber seal that connects the metal pipe to where the pipe...
View ArticlePersonal Investments • Questions about 401k and IRA investments - meeting...
I would like to thank you all for your advice thus far.My parents were suggesting that I not invest the money in a Roth IRA just "in case" I need to pay off my outstanding home loan all at once. I...
View ArticlePersonal Investments • What to do with *invested* down payment $ if I no...
I've saved about 25% of my net worth in a short term brokerage account that's 50/50 stocks/bonds. I'd originally intended to use that for a 20% down payment on an apartment. But I no longer think I...
View ArticleNon-US Investing • [Australia] Sale of investment property - index funds or...
1) sell the property (and perhaps the Australian market index. I don't understand why she is invested in US and Australia indexes. being invested in Australia does not seem a very smart choice tbh so...
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