Investing - Theory, News & General • Confused about ETFS vs mutual funds...
However, the S&P500, or in my case, SWPPX, is technically a mutual fund but instead of being actively managed it tracks the fortune 500 stocks so it has a low expense ratio (.02%). Because of this...
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Non-US Investing • Diversifying my portfolio
Hmm....I understand what you're saying, but on the other hand, if I sell off that ETF, I'll get USD. Which by itself is currency diversification in my opinion. During pandemics/Ukraine war, USD/RON...
View ArticlePersonal Investments • How Can I Fix This Mess? - Investment Advice
I’m guessing you’re in good shape but not entirely sure how my fellow posters determined that without understanding your expenses. Do you have a sense of your expenses including healthcare during...
View ArticlePersonal Consumer Issues • When do electric cars stop making sense?
Our old reliable RAV4 is reaching the end of its life, it is primarily just a commuter car and gets a solid 33 mpg.I figured an electric car might be a good replacement, but then did some back of the...
View ArticleNon-US Investing • How to invest while living in Japan as a dual Japanese/US...
I really want to continue saving towards retirement, but it just seems like I'm completely trapped due to my dual citizenship. The situation is so bad that I feel I have no choice but to shell out...
View ArticlePersonal Finance (Not Investing) • Medicare: 64 Year Old Eyeing 2025 Medicare
Consider making an appointment with a local SHIIP (Senior Health Insurance Information Program) counselor. They can help you see what your particular choices/options and costs are. SHIIP is typically...
View ArticlePersonal Investments • Deep Dive: Poor Tax Efficiency of Vanguard...
iShares int'l funds are more tax-efficient in a taxable account. Vanguard int'l funds are more tax-efficient in a tax-qualified account like a 401K or IRA. A Vanguard fund like VXUS (at least in the...
View ArticlePersonal Finance (Not Investing) • Just got laid off
Hopping back in to provide an update. I have applied to about a dozen places. Mainly spending this time to get my CV/Resume right. Work through some career coaching trainings I found. Also taking time...
View ArticlePersonal Consumer Issues • college decision: UIUC or UF for ECE?
I am following what is happening?There are a few variables still left but we just got several good news that pretty much sealed the deal in favor of UF. (It finally tilted the wife's preference.)1....
View ArticlePersonal Consumer Issues • Best way to find good realtor with no...
Most realtors are not worth the money IMHO. There might be 1% who are good. Knowledge is powerful. If you have time and not in a hurry understand the area and when you find one, communicate to the...
View ArticlePersonal Finance (Not Investing) • small TT errors in capital loss carryover
This year I noticed small errors in the capital loss carryover from last year. Both returns were/are done in TurboTax. ST loss about $20 too low and LT loss about $100 too high. Has anyone experienced...
View ArticlePersonal Finance (Not Investing) • Newbie to Estimated Taxes
To make updates for 2024, would I need to basically update the tax table sheet in that spreadsheet? Any other changes?I haven't looked at it in a few years. I forget if the author precomputes the tax...
View ArticlePersonal Investments • Has anyone invested in marijuana stocks?
I know that generally Bogleheads focuses on diversity. I couldn't help but notice the stats on some of these stocks.Aurora Cannabis: If you invested $1,000 in 2016, it would have become $20,620 by...
View ArticlePersonal Finance (Not Investing) • ACATS from Merrill Edge issue
Did the proper cost basis transfer over as well?I don’t think it had but as it’s an IRA, cost basis is a don’t care for me.Cost basis gets posted later than the shares. Typical is a few of days. Any...
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US Chapters • Roll Call for the Retirement Class of 2024!
22 Jun 24 - end of contract, move back to USA, retired. Pretty much all set; bit of apprehension about transition, but know I will do fine.Thanks to this community and early retirement forum for...
View ArticlePersonal Investments • I want to pay off car using money from Roth IRA
Why don't you take the loan out and pay the monthly payment with the Roth funds until you find a job? Then decide what to do about keeping the loan or paying it off. If you don't find a job in 3-9...
View ArticlePersonal Finance (Not Investing) • Road Scholar, Chase Sapphire Reserve, 529,...
Rustyhiker - Yes you are absolutely right. I just checked our Chase Sapphire Reserve account, and our January '24 RS deposit is also classified as "travel" (so we get up to 4.5x for this). Also with...
View ArticleInvesting - Theory, News & General • Determining ETFs Estimated Price...
Dear Bogleheads,Is there a simple tool that we can use to determine an ETF's estimated high/low price targets (similar to what the NASDAQ does for individual stocks based on analysts offering 12 month...
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Investing - Theory, News & General • Robinhood 3% IRA Match
I like Schwab. I leave my accounts open.I liked TD Ameritrade better (before they were consumed by Schwab ), but good to hear. Did you keep any money in your IRA accounts to ensure they remain open,...
View ArticleInvesting - Theory, News & General • Vanguard Announces CEO Retirement...
I’m probably wrong, but my first reaction to this was one where the direction goes even further from Bogle. One where Vanguard will begin to offer the full suite of speculative assets for which it...
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