Search found 7863 matches

by Kevin M
Sun Feb 19, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 182
Views: 22320

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I have a question about adding a beneficiary and wondered whether anyone can help me. As I understand, if you add an beneficiary to a individual account, your NCUA insurance coverage increases to $500,000. But does the coverage requires the beneficiary must be a member of the credit union as well? ...
by Kevin M
Sun Feb 19, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4769

Re: Tesla Model 3 or Chevy Bolt?

That's why I said "virtually" every Tesla owner, which means nearly/almost. <snip> What I'm talking about are the owners who dismiss repeated/serious issues as "little annoyances" or actually spin them as "positive experiences." And your point is? That most Tesla owner...
by Kevin M
Sun Feb 19, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4515

Re: Bonds Are Riskier Than You Think? Article implications for today?

If high inflation should reappear would Bogleheads opt for TIPS in excess of their market weight in the fixed income spectrums? Probably (I know I would - as would everybody else) thus bidding their prices up to the point where they likely would provide little or no total return in excess of nomina...
by Kevin M
Sun Feb 19, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 8
Views: 777

Re: Combining Wellesley and the Larry Portfolio

Seems OK to me, if you like the resulting portfolio. Assuming you're talking about 30/70 stock/bond for LP, combined with about 40/60 stock/bond for Wellesley, you end up with about 35/65 stock/bond with the combo. Of course the LP can hold any ratio of stocks and bonds, but 30/70 is what's most oft...
by Kevin M
Sat Feb 18, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4515

Re: Bonds Are Riskier Than You Think? Article implications for today?

So would a combo of tips and a ladder of 5 year CDs do the job?No bond funds except if you choose a tips fund instead of individual tips. I think that would be OK, but as you probably know, I'm sticking with good direct CDs for most of my fixed income, and currently hold no TIPS. The CDs have two e...
by Kevin M
Sat Feb 18, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 1949

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

We got married last year, so this is first year filing MFJ. Here's what I'm doing, although not done yet. Her taxes are simple, so I did a separate return for her. Turns out that filing single or MFS makes no difference at her relatively low income (all from investments). At this point I think the m...
by Kevin M
Sat Feb 18, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4515

Re: Bonds Are Riskier Than You Think? Article implications for today?

I also believe that the high-yield bond fund that appeared to have fairly similar performance pre- and post-1980 is anomalous. Using data from our Simba backtest spreadsheet, various length periods of worst nominal Treasury returns all occurred in the first half of the period and all best nominal re...
by Kevin M
Fri Feb 17, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: "preview" of bear market
Replies: 16
Views: 2890

Re: "preview" of bear market

What tools are you using for modeling this drop? Recommendations from others? You can pretty much do it in your head if assuming no change in bonds. Multiply percent drop in stock by percent allocation to stocks for total portfolio percent drop. So at 70% stocks, a 30% drop in stocks is a 21% drop ...
by Kevin M
Fri Feb 17, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: "preview" of bear market
Replies: 16
Views: 2890

Re: "preview" of bear market

For a 30% drop in stocks (and no change in bonds) not to trigger rebalancing with a +/-5 percentage point band, your target stock allocation must be above about 85% or below about 20%. Here's a good article on the topic with math and charts: +/- 5% Rebalancing Bands.

Kevin
by Kevin M
Thu Feb 16, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4769

Re: Tesla Model 3 or Chevy Bolt?

It looks like SuperCharger locations in Oregon have plenty of McDonalds/Taco Bell/Denny’s restaurants nearby, but very little else. Surely these are not places you regularly want to eat at (for 45 minutes), but are forced to choose whatever is within walking distance. Heading north to Oregon, our f...
by Kevin M
Thu Feb 16, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4769

Re: Tesla Model 3 or Chevy Bolt?

Prior to the Tesla, was it your preference to stop every 1.5 hours during a long road trip? Yes, every 1.5-2 hours, both for restroom breaks and to stretch legs and backs, if not also to eat or grab coffee. Also, before getting the Tesla we would fly to Oregon, but now we drive, since it is so enjo...
by Kevin M
Thu Feb 16, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is 30% stock enough to keep up with (or beat) inflation?
Replies: 39
Views: 3028

Re: Is 30% stock enough to keep up with (or beat) inflation?

If inflation accelerates, 30% equities + 70% TIPs might fare better with respect to inflation than 50% equities + 50% nominal bonds 100% TIPS might fare even better. For the 17-year period 1965-1981 (inclusive), US stocks had a cumulative return of about -5% and intermediate-term Treasuries had a c...
by Kevin M
Thu Feb 16, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4769

Re: Tesla Model 3 or Chevy Bolt?

Agree that putting down the $1K deposit for the Model 3 is pretty much a no brainer. I'd do it now while thinking it over. As a Model S owner, and not really needing more than one car for my wife and me, I'm not sure I'll get a Model 3, but I might, so I put my deposit down. Our reasons for consider...
by Kevin M
Thu Feb 16, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is 30% stock enough to keep up with (or beat) inflation?
Replies: 39
Views: 3028

Re: Is 30% stock enough to keep up with (or beat) inflation?

Some years ago I learned, from Larry Swedroe, about the framework of using ability, willingness, and need to take risk to determine one's asset allocation. I estimated that my need to take risk was quite low, so I decided on a target stock allocation of 30%, and have stuck with that since then. Usin...
by Kevin M
Thu Feb 16, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 182
Views: 22320

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

If I need to buy today, is 5-year 2.75% (MACU) better or 7-year 3.00% (Andrews)? Or is it better to wait? My next big batch is maturing early 2019 (2 years from now). The MACU rate is better (by .03%), though their EWP is not (365 days vs. 180 days). How do you calculate the MACU rate as being bett...
by Kevin M
Wed Feb 15, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2409

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

[...]You put an (ordinary income) dollar in the stack below the line. It gets taxed at 15%. But it also pushes the whole stack up, and another (different, cap gains) $1 that was being taxed at 0% is now being taxed at 15%. And from that we get our 15% + 15% = 30% - a new 'income' dollar and old 'ca...
by Kevin M
Wed Feb 15, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Market Price to NAV - (VGIT vs VFITX)
Replies: 3
Views: 120

Re: Market Price to NAV - (VGIT vs VFITX)

Sometimes the ETF will trade at a discount to NAV, and sometimes at a premium. If you buy when it's trading at a premium and sell when trading at a discount, it hurts your returns, and vice versa. If you just don't want to worry about this, use mutual funds instead. Of course you could continue to u...
by Kevin M
Wed Feb 15, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 868

Re: Converting a new Roth to a Traditional IRA

It would be unusual to be in a lower bracket than 15% in retirement so tIRA is not really going to help you more than Roth IRA at this point. I don't have enough data to say whether or not it's unusual, but based on my personal experience I'm less inclined to make this assumption without crunching ...
by Kevin M
Wed Feb 15, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2409

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Suppose that your investment earns 2% qualified dividends and 6% capital appreciation. A 30-year investment of $10,000 would...wind up with $82,898 after tax. Do your calculations include the fact that the dividends are reinvested at a higher cost basis every year? I'm guessing "yes" beca...
by Kevin M
Tue Feb 14, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2409

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

From the wiki page: "You should also reduce the value of your taxable account by about 25% if you are early in your career, and 15% if you are near or in retirement," I'm curious as to the 25% vs. 15% - either way, it's cap gains and mostly qualified dividends presumably, right? Why would...
by Kevin M
Tue Feb 14, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2409

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Re: highest growth in Roth - OK, sold. If your properly adjust for risk, it does not matter whether highest growth is in Roth or traditional. Read this: Tax-adjusted asset allocation - Bogleheads . You have 100% of the risk of stocks in Roth, while in tax-deferred your risk is less, because the gov...
by Kevin M
Mon Feb 13, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8283

Re: How Much Cash Do You Actually Hold?

Still lost money by not being in bonds or longer term CDs regardless. My point is that you did not really lose money if you compare to a portfolio with a somewhat lower allocation to stocks combined with bonds. You just took more risk in equities and less risk in fixed income. Now I sit in cash wai...
by Kevin M
Mon Feb 13, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 86
Views: 8883

Re: The Wall Street Journal to close Google loophole entirely

Can you show how to use this? 1. Create a bookmark, call it say WSJ-FB, and copy/paste the "javascript:..." string in the URL field. 2. Go to the locked WSJ page of your choice and see the "To Read the Full Story, Subscribe or Sign In" message. 3. Staying on that page, click the...
by Kevin M
Mon Feb 13, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 868

Re: Converting a new Roth to a Traditional IRA

This doesn't meet the definition for a recharacterization. Those are for people who are reversing a Roth conversion from a Traditional IRA. This is not correct. You can recharacterize a contribution from one type of IRA to the other, either traditional to Roth or Roth to traditional. You may be abl...
by Kevin M
Mon Feb 13, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2178

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I understand the purpose of cash, as a safety net. But there’s an opportunity cost. For example, if you expect stocks to return only 5% and bonds to return only 2% (which I consider/hope is the low end of expectations), that’s still 50X or 20X what you’re getting in your bank account. You must have...
by Kevin M
Mon Feb 13, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9695

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

You accuse me of having multiple biases in looking at the admittedly most recent 30 year period, but then you say that you have your own subjective method for evaluating the returns. If you like using your own method, that's fine. But don't then go saying that others' methods are biased when they l...
by Kevin M
Mon Feb 13, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9695

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

Both of these observations are rife with recency bias coupled with hindsight bias. If we had been having this conversation at the end of 1991... You picked the one ending year that made international look the best. By end of 1992, the 20-year average returns were back to even, and it's been all US ...
by Kevin M
Mon Feb 13, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8283

Re: How Much Cash Do You Actually Hold?

For me, I've kept loads of cash for one reason... fear. 08/09 got to me... and although I hold 70% equities, I just never got around to putting the other 1/3 into bonds and it has cost me since 09 without a doubt. This is just another extreme example of taking risk on the equity side. A portfolio o...
by Kevin M
Sun Feb 12, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 85
Views: 9934

Re: The Swedroe 5/25 rebalancing bands restated

...One reason I like 5/25 or 5/20 is that I mainly pay attention to my stock/fixed-income ratio, as this has the most impact on risk and expected return, so it's mainly the 5 percentage point rule that will dominate.... Kevin, Let's say my Fixed Income target allocation is 45%, that on Day 1 I'm on...
by Kevin M
Sun Feb 12, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9695

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

However, that has not been the case for the last 30 years (1986-2016). Granted, some could argue that a 30 year time frame is too short I'd argue that after an asset class has been reasonably investable by individuals for 30 years, if that asset class trails by a whopping 3% per year, the logical c...
by Kevin M
Sun Feb 12, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating Taxable account to Fund a Roth IRA
Replies: 10
Views: 317

Re: Liquidating Taxable account to Fund a Roth IRA

Even if you do need it to pay college tuition, as long as the Roth IRA has been open for at least 5 years you can withdraw your initial contributions without any penalty. You can withdraw your contributions penalty-free and tax-free at any time, regardless of how long the Roth has been open, and re...
by Kevin M
Sun Feb 12, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: RMDs and TSP Account
Replies: 13
Views: 599

Re: RMDs and TSP Account

Thank you Kevin. The things we learn here always amaze me. :D Although the TSP is not specifically mentioned, it is more like a 401k than a 403b or IRA so I'll guess that 401k rules apply. I'll look more carefully in a link that is in the link Poppy provided. The only difference for 403b plans is t...
by Kevin M
Sun Feb 12, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRA mistake-recharacterized vs. converted *help*
Replies: 21
Views: 564

Re: IRA mistake-recharacterized vs. converted *help*

If a regular contribution to either type of IRA is recharacterized to the other type of IRA, it cannot be recharacterized back. Thanks for correcting my misunderstanding of this, Alan. Looked in IRS Pub 590-A for clarification, and I think I found it. In the section on Recharacterizations: Election...
by Kevin M
Sun Feb 12, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: RMDs and TSP Account
Replies: 13
Views: 599

Re: RMDs and TSP Account

The TSP account is separate and aside from any other tax deferred account. You can not take "all" of your RMD's from the TSP, only the TSP RMD. From the TSP web site everything you need to know about TSP RMD: https://www.tsp.gov/PlanParticipation/BeneficiaryParticipants/rmdbp.html I was o...
by Kevin M
Sun Feb 12, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRA mistake-recharacterized vs. converted *help*
Replies: 21
Views: 564

Re: IRA mistake-recharacterized vs. converted *help*

Looking at the account history, I did indeed recharacterize from the Roth IRA to a tIRA-easy to see on the balance history tab. The only problem with recharacterizing the amount back to a tIRA is that since this happened, we have continued to contribute to the tIRA with the plan of converting to th...
by Kevin M
Sun Feb 12, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8283

Re: How Much Cash Do You Actually Hold?

Actually, the bump in not having cash is real and not theoretical because it has already happened. Even if my bonds and stocks drop a lot in value, they are still worth more than what cash would've been worth. And by that logic your portfolio should hold 100% stocks. Exactly, on top of the fact tha...
by Kevin M
Sun Feb 12, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRA mistake-recharacterized vs. converted *help*
Replies: 21
Views: 564

Re: IRA mistake-recharacterized vs. converted *help*

You mistakenly recharacterized a tIRA contribution to Roth. I think you can just do another recharacterization, recharacterizing the Roth contribution to tIRA. You could then convert the tIRA contribution to Roth.

Kevin
by Kevin M
Sat Feb 11, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R recharacterization year
Replies: 5
Views: 256

Re: 1099-R recharacterization year

I can see now in the Form 8606 instructions that I shouldn't include the 1099-R amount on Line 15a as you and Kevin have stated. For some reason I can't make the tax software do this though, I may need to play around with it more. What tax software are you using? I've used both TurboTax and HRBlock...
by Kevin M
Sat Feb 11, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX already in taxable account, what to do?
Replies: 8
Views: 567

Re: VBTLX already in taxable account, what to do?

That WCI article is about keeping bonds out of Roths and not about keeping bonds out of tax-deferred. Roth and tax-deferred are equivalent if you tax-adjust for risk. Once this is understood, it's easiest to just compare taxable to Roth. I think this understanding underlies the WCI's thinking. Kevin
by Kevin M
Sat Feb 11, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7249

Re: A Wellesley alternative

Getting kind of off topic, but since it came up, I'll just mention briefly that I crunched the numbers using the Jumbo CD Investments 5-year rates for 1993-2012, and the average yield premium over average annual 5-year Treasury yields was 0.88 basis points, with a standard deviation of 0.38 bps. Pre...
by Kevin M
Sat Feb 11, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7249

Re: A Wellesley alternative

I started a thread a couple years back seeking historic rates for longer-term CDs. Short answer is not much info available, but what data is available looks promising enough that I'm maintaining, and intend to maintain, a position in 5 year CDs for the long haul. https://www.bogleheads.org/forum/vi...
by Kevin M
Sat Feb 11, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9695

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

I don't associate much value to Sharpe ratios and risk-adjusted returns theories. Equating short-term volatility with risk always seemed like utter non-sense and obfuscation to me. I view risk as a much longer term and multi-faceted concept, directly linked to (loss of) purchasing power. But maybe ...
by Kevin M
Sat Feb 11, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8283

Re: How Much Cash Do You Actually Hold?

Since the crash in 2008/9, I have been ruminating on what the proper allocation to cash is. I think it's more effective to ruminate on what exposures you want to term risk and credit risk, and the yield or expected return you get by a given exposure to these risks. "Cash" is too vague a d...
by Kevin M
Sat Feb 11, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9695

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

I really meant TSM (both return AND trajectory) - <snip> The point is that you see the same return from the appropriate ratio of the stock and bond components in an LP-style portfolio. You don't just use 30/70; you use whatever ratio gets you the same return, then you compare the risk. Or, you can ...
by Kevin M
Sat Feb 11, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement in Roth IRA
Replies: 24
Views: 801

Re: Tax Efficient Fund Placement in Roth IRA

Kevin, I assume that if you don't bail out during the downturn, the asset will eventually bounce back. But you need to be patient. That's just an argument for increasing stock risk, which is essentially what you do by holding stocks in a Roth instead of in tax-deferred or taxable. You can accomplis...
by Kevin M
Sat Feb 11, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement in Roth IRA
Replies: 24
Views: 801

Re: Tax Efficient Fund Placement in Roth IRA

1. You want to put the asset that is expected to grow the fastest in the Roth, since all the growth can accumulate there tax-free. That would be stock funds such as mid-cap funds, small-cap funds, and those with"growth" in their names (in general) although other funds also have the potent...
by Kevin M
Sat Feb 11, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement in Roth IRA
Replies: 24
Views: 801

Re: Tax Efficient Fund Placement in Roth IRA

However, with as much money as you are adding to taxable each year, there will come a time pretty soon when you will be forced to hold bonds in taxable. The grabine r combination of Vanguard's Short Term Tax Exempt bond fund and Vanguard's Long Term Tax-Exempt Bond fund is likely a good choice (hop...
by Kevin M
Sat Feb 11, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX already in taxable account, what to do?
Replies: 8
Views: 567

Re: VBTLX already in taxable account, what to do?

Not everyone believes that bonds necessarily go in tax-advantaged accounts. Try this Google search: bonds in taxable.

Kevin
by Kevin M
Sat Feb 11, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Two in One Year
Replies: 11
Views: 486

Re: RMD Two in One Year

I am in the same boat. I turn 70 in the 4th quarter this year. I read that I have to take my first RMD in 2018 but I can wait until 2019. BUT if i wait until 2019 I also have to take my second RMD in 2019 as well. So two RMDs in one year if I wait. Plus I will pay bigger taxes if I wait. I also rea...
by Kevin M
Sat Feb 11, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Benefit to Start 529 as an adult, for Med School
Replies: 9
Views: 737

Re: Benefit to Start 529 as an adult, for Med School

The other benefit a 529 offers to short term savers is access to somewhat higher paying fixed income options, such as Colorado's Stable Value 529 plan (2.59% for 2017) or DC's (2.85% I believe, not as familiar with this plan) This. Where else can you get a tax-free return of 2.59% with no term risk...

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