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retiringwhen

ZWorkLess wrote: ↑Wed Apr 21, 2021 10:29 am @retiringwhen -- you win the internet today.

1A was exactly what I was looking for. I'd googled and googled and had no success finding that!

(I have used 1 & 2 previously.)

Thank you so much!

your welcome!

retiringwhen

Try this: 1. Determine PIA Primary Insurance Amount (PIA) is the benefit you would receive based upon current employment at full retirement age in current $. First, download your earnings history (both spouses) from SSA.gov, you'll need this data for any analysis tools. Look at ssa.tools below befor...

retiringwhen

I did just that last year with two of our taxable brokerage accounts that only held cash at Vanguard (moved the money to no penalty CDs at Ally). We have a large balance in other accounts. Both $0 brokerage accounts are just sitting there happy as a clam. I have a joint account with my son that we e...

retiringwhen

Some of the stuff I found a little patronizing and doesn't allow people to grow. I do come from a family that has serious money problems; bankruptcies, foreclosures et cetera. While that stuff didn't happen to me it really strained and damaged the family relationships. ETA: After reading the book I...

retiringwhen

Why? What happened to make you think this way suddenly? Sudden decisions are seldom optimal. Well it happens. In my case, I have been thinking about retiring for years, but finally about 4 weeks ago, my wife threw in the towel and said, Let's retire! I am busying making my plans real now :-) To the...

retiringwhen

I’m currently SAHD 29y/o with wife 25 y/o working full time earning 40k a year. With higher CTC and EITC we would have a negative tax liability of about 15k if wife dropped from full time to part-time. We think we can trade off working part time every couple of years and not touch any accounts. We ...

retiringwhen

Investors seem to be expecting that recent actions could cause a short-term boost in inflation but that long-term structural trends suggest that inflation will be tame over the next several decades. ETA: It's kind of bizarre to consider that investors purchase TIPS to protect against unexpected inf...

retiringwhen

Does anyone know how they could have landed on my report (under personal information)? Check your LexisNexis report. Stuff from there can migrate to your credit report. I found both addresses and phone numbers that weren't mine on LN. When I reported them they were removed after about a month. Is t...

retiringwhen

1% AUM lolz .... over my cold dead body. Nice of the WSJ to gloss over such an important point. It was not germaine the subject of the article at all so no shame on WSJ. At the same time, I would bet that the average AUM fee for WSJ readers is a lot closer to 1% than it is for Bogleheads. I know of...

retiringwhen

Wow, that stinks if it holds to be true. Ed is pretty clear in the article that this guidance is not official rules and we are still waiting for the official regulations. So, don't take action on anything yet, but keep your ears open for the official regulations! BTW, this is a perfect example of ma...

retiringwhen

marcopolo wrote: ↑Mon Apr 12, 2021 7:16 pm Wait, you switched from real to nominal returns.

Sure, no one is expecting 12% nominal returns.
But, no one is expecting double digit inflation either, are they?

Why would 12% nominal be needed with 2% inflation?

12 - 2 = 10%, therefore 10% real returns are needed. It sounds just as bad.

retiringwhen

The 20% is standard, required for 401(k) withdrawals. This all started for the fact that I was transferring to an IRA to control tax withholdings. Apparently, as I discovered, Fidelity service for their 401(k) clients is vastly different from their IRA service. To be clear, the behavior of Fidelity...

retiringwhen

saveraplenty wrote: ↑Sun Apr 11, 2021 8:30 pm Then, I married another high income earner, who plans to retire at 65 (or later!?!?). There goes the time for Roth conversions.

A perfect example why diversification early makes sense. Plans and situations often change with more (or less) success in careers, inheritances, etc.

retiringwhen

This is just amusing to me at this point. Didn't Bill Bengen just say the new SWR is around 5% a few months ago? Man oh man, this stuff changes on a whim! It's all just noise. Don't worry about it, no one knows what's gonna happen. Actually, Bengen and Pfau are looking at the same data and coming t...

retiringwhen

My advice is diversify your tax-location just like your asset allocation . For decades, I always assumed (with good reason) that I would have a lower tax rate in retirement so went all in on pre-tax retirement deferrals. Well, behold here I am in the final stretch before retirement and I really real...

retiringwhen

It is more about flexible withdrawal methods and their responsiveness to SRR risks. They suggest an RMD approach as one model for example (although, I am not a fan as I'd rather front load my retirement a bit.) The do end with Mr. Pfau's scare quote of 2.8% SWR though. key quote: A better approach t...

retiringwhen

Why the love for I Bond? I keep my emergency fund in Vanguard Federal M.M-VMFXX and Vanguard Total Stock Market-VTI. I see more and more people using I-Bonds. I hate having another account and also don't really know the rates. The love for I-bonds is simple. Real returns is set at time of purchase ...

retiringwhen

First piece of advice. She should work with the Brokerage to ensure the ownership of those accounts are setup in her name alone and no longer references her parents in any way. There are tax and estate consequences for joint accounts that grow up from custodial UGMA/Trust accounts. Second, depending...

retiringwhen

And Edison was more than a bit of a grandstander in his day too. So was Nikola Tesla for that matter. The story of how and why Edison invented the Electric Chair is more shocking and ridiculous than anything Musk has done. BTW, I agree Musk is a truly a once in a century kind of guy and I also expe...

retiringwhen

Seems to me like a good application for i-bonds instead (for $10K or $20K of this), unless there is a >0% chance you would buy in less than 11 months, 3 weeks. You have much better liquidity with VUSB than i-bonds with their 1 year holding period and somewhat cumbersome redemption process... i-bond...

retiringwhen

This fund is a real viable alternative for someone wanting to keep cash or near cash in their brokerage account, but they don't have viable alternatives provided by the brokerage. When rates to start to rise again, this funds will really begin to display the difference. Question, but have investors...

retiringwhen

My point is I agree with @mdchemist that I believe the index fund will need to purchase more shares, unlike what others have said. At least that is how I see it. Most indices only reconstitute (aka rebalance/adjust the size of each stock percentage held within the index) once a quarter (or less) an...

retiringwhen

Seems to me like a good application for i-bonds instead (for $10K or $20K of this), unless there is a >0% chance you would buy in less than 11 months, 3 weeks. You have much better liquidity with VUSB than i-bonds with their 1 year holding period and somewhat cumbersome redemption process... i-bond...

retiringwhen

I believe this is Vanguard's first Active ETF. What about the (well-hidden) Factor ETFs like VFMF, VFVA, etc.? The factor funds are technically Index ETFs as they provide composition files driven (PCF) in near real-time, see: https://investor.vanguard.com/etf/profile/portfolio/VFMF/pcf But! VUSB pr...

retiringwhen

I wonder why Vanguard did not make the new ETF a share class of the existing mutual fund. Could this be a glimpse of where Vanguard hopes to go in the future with other funds? I believe the primary driver is that this ETF and the original ultra-short mutual fund are actively managed. I am guessing ...

retiringwhen

I remember an error about using the last calculated value for formulas with errors, but I would have thought now that I have valid formulas it should "just work." Excel has a setting called Calculation Options with choices of Automatic , Automatic except for Data Tables and Manual . I am ...

retiringwhen

Sorry for the dim question. My wife, for whatever reason, opened a Traditional IRA at Vanguard. She put some funds into it, but hasn’t bought anything yet. How do we transfer that into a Roth? She didn’t listen to her husband when he told her to open a Roth. Open a Roth account and do a conversion ...

retiringwhen

If you have significant allocation in bonds this year, it has been a very rough year! CD will get you about 0.2%, perhaps up to ~2% for a long term commitment of years, less penalties if you early withdrawal. Not at all, I don't care, I have matched my bond duration with the expected need for their...

retiringwhen

Stay invested....until when? At some point you may need your money to buy a house, for tuition, to buy your SS Boglehead yacht, to satisfy the RMD rules, pay your long term care bill, to pay a healthcare provider, to build a business. The long term is a nice and ideal goal, but in the long term, yo...

retiringwhen

Idiots who don't know how to perform basic risk management and loose $40B in 4 days under the guise of a "Family Office" thus creating a cascading set of losses and failures of trust in several large investment banks. The lost of trust then turns into a panic and fuels a 50% market sell c...

retiringwhen

Idiots who don't know how to perform basic risk management and loose $40B in 4 days under the guise of a "Family Office" thus creating a cascading set of losses and failures of trust in several large investment banks. The lost of trust then turns into a panic and fuels a 50% market sell ca...

retiringwhen

diabelli wrote: ↑Sun Mar 28, 2021 8:57 pm I think you get the farewell party if you retire

In the days of COVID, who's coming to my house?

retiringwhen

Where I work (whatever $16B tech brings me), if I leave the company in any way, all unvested RSUs go to zero. Doesn't matter if I retire, quit or just stop showing up for work. Sounds a bit unreasonable. I can't imagine they don't have a way for 70 year old employees to leave with benefits as part ...

retiringwhen

Hydromod wrote: ↑Sat Mar 27, 2021 7:58 am That's a big improvement.

After I posted, I was having issues with the number of digits fluctuating and did a regexprep to extract just the number part, but your solution is much cleaner.

Nothing like peer reviews for code quality

retiringwhen

Sorry for the delay, here it is: Tickers Share Price Sample | GoogleSheets See the "Read Me" tab for explanations. What makes this spreadsheet interesting is that it pulls prices from three different services, and takes what it can get. I find that my sheet almost always works now because...

retiringwhen

I like the bigcharts scrape, because I pull TIAA tickers that are hard to get and this updates soon after posting. The example below has the ticker name in cell A1. The 6 gives two decimal places, which works for most tickers. Some TIAA tickers have 4 places, and it needs an 8 instead. =VALUE(Right...

retiringwhen

elderwise wrote: ↑Thu Mar 25, 2021 3:02 pm GME is a penny stock? I thought Penny stocks usually have a range of 0.01 to 5 to 10$.

I am genuinely wondering.

yes, penny stocks are generally under $5, but GME is acting like one for sure.

retiringwhen

anyone else notice that this stock is sort of mercurial? I didn't get what you meant, but it is most certainly very very entertaining and to be part of this squeeze cycle. I was thinking of bumping this thread, its up almost 50% for the day whilst every other stock & etf is mostly taking a crap...

retiringwhen

For anyone interested in plush toys, Gamestop is selling a squeezable cat in a banana from some outer space anime series. GameStop is going to sell Beanie Babies? :D Oddly enough, my son who worked at GME for about 4 years part time said that the plush toy exclusives drove a significant portion of ...

retiringwhen

So I think AMG is unlike any other mutual fund for what a person can do with their online portal. I have a similar account (but on purpose and serving the desired need) at Vanguard and it has all of the same limitations, your situation is not unique to AMG. These limitations are designed to protect...

retiringwhen

Me again.....:).....Massive amount of snow melt this winter in the northeast. Bone dry. Last week over an inch of rain following the snow melt. Bone dry. During the snow melt and the rain I noticed one of my re-adjusted downspouts is letting a huge amount of water out. Before my readjustment this w...

retiringwhen

Other posters are correct that you want to balance the global picture. You can't just let your pre-tax accounts balloon because then you will be hit with RMD bombs. I second this point. I couldn't put money in Roth for many years, but after 2010 was able to, but I was living my life and not trackin...

retiringwhen

Here is a case I worked on some time ago. Family patriarch starts a successful business in the 1960's. The business grows into a national manufacturer that employs a couple of hundred people. He leaves the business to the son who took over running it. The daughter, who had no day to day connection ...

retiringwhen

I consider this incredibly shabby behavior (shrugging off legitimate debts of the deceased.) I would be appalled to think that my heirs would do this. That is an interesting perspective. I feel the opposite way. The idea of paying off debts that aren’t mine seems bizarre and foreign to me. They are...

retiringwhen

But one response was to get a good estate attorney. But I’d say you have no idea until you are long gone if the lawyer was any good. If the minimum score on the bar exam wasn’t good enough it wouldn’t be the minimum standard.... A commendable thing I see regularly on BH is posters doing their due d...

retiringwhen

This concept must be tied with "should I refuse a pay raise that will put me in a high bracket" for most commonly misunderstood part of taxes. In NJ, if you are retired and take just $1 over $100,000 in total income from any source, that $1 can easily cost you $2,000 in taxes. This is bec...

retiringwhen

You never mentioned, just how far out of whack are you and has it really hit a solid rebalance band? I am underweight EM right now too as last year developed markets rebounded more and faster after my March 2020 TLH. I am riding it and only fixing it with dividends, etc. IOW, if it is not a huge amo...

retiringwhen

Swensen's portfolio for individuals is an asset allocation that can be implemented fully using index funds. It tilts US equities to REITs and tilts non-US equities to EM equities. It uses a bond portfolio that is a 50-50 mix of intermediate treasuries and intermediate TIPS. Swensen's allocation bet...

retiringwhen

I am a virtual three-fund investor (I maintain a market-cap portfolio but using more funds, see below.) As part of a tax loss harvesting opportunity in late 2018, I sold all my Total Stock Market (VTSAX) in taxable and then replace it with VIGAX and VSMAX in market cap quantities and then swapped my...

retiringwhen

I'm going to research this, but I was thinking more along the ideas of a the Person giving beneficiaries a % share in a LLC or Partnership which had pre-written rules on how to buy each other out, etc. Instead of saying, I bequeath my farmland to my two heirs, 50/50, what if it was, I bequeath a co...

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