Search found 579 matches

by Rajsx
Mon Jan 25, 2021 3:49 pm
Forum: Personal Investments
Topic: Convert to Roth or stay in tax deferred?
Replies: 25
Views: 2698

Re: Convert to Roth or stay in tax deferred?

Thanks for discussing a topic I am also struggling with.
by Rajsx
Thu Jan 21, 2021 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Parents: Do Your Kids Know You're Rich?
Replies: 194
Views: 10826

Re: Millionaire Parents: Do Your Kids Know You're Rich?

In the interest of involving kids in case I pass before DW, I recently sat DW & our 28 yr old son down & showed him where & how much the money is. Although I hopefully have some years left as I am nearing 65, but you never know. Anyway I felt better son will know the family wealth info &...
by Rajsx
Tue Jan 19, 2021 5:49 pm
Forum: Personal Investments
Topic: Retirement withdrawal mechanics
Replies: 16
Views: 2267

Re: Retirement withdrawal mechanics

I will be doing Roth conversions up to the top of the 12 then 15% bracket early on. There currently is no 15% tax bracket, but I will pass on that for a moment. (You are probably thinking about 15% for LTCG when you are in the 22% tax bracket up to about $400K in Taxable Income.) Your comment about...
by Rajsx
Tue Jan 19, 2021 11:01 am
Forum: Personal Finance (Not Investing)
Topic: income tax & trust income
Replies: 9
Views: 595

Re: income tax & trust income

Related Question from one who is ignorant about Trusts - Talking about Income Taxes from inherited Trusts - I & DW each have taxable investment accounts with Vanguard in Trusts - The idea is when we both pass - The money in the Trusts will pass on to our children with the step up in basis , they...
by Rajsx
Fri Jan 08, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12700

Re: What did you spend in 2020?

Our expenses for 2020 - $ 172810, married & will start withdrawal phase later this year, kids are launched. As given in Fidelity Full View Gifts - 63205 Taxes - 44836 Insurance - 25921 Food - 8885 Home - 7702 Medical - 5495 Bills & Utilities - 4504 Travel & Vacation - 4496 Auto & Tra...
by Rajsx
Fri Jan 01, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2397
Views: 546790

Re: Share your net worth progression

Our net worth today by Fidelity Full View is $ 7.8 Million,
This year went up by more than a million, or it could be including more of our accounts.
by Rajsx
Tue Dec 29, 2020 5:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View?
Replies: 60
Views: 15814

Re: Fidelity Full View?

I ran a one year test in 2019: Personal Capital Intuit MINT Fidelity FullView I could not keep Full View operational because it kept dropping links to outside accounts . It was like whack a mole the entire year. Personal Capital had a few issues. Intuit MINT was the least problematic, so that's the...
by Rajsx
Sat Dec 26, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: How many years of expenses to keep in safe assets?
Replies: 44
Views: 2824

Re: How many years of expenses to keep in safe assets?

3 years of expenses (essential + discretionary) which is 5% part of our Asset Allocation.
by Rajsx
Wed Dec 23, 2020 6:15 pm
Forum: Personal Investments
Topic: Diversity the Fixed Income ??
Replies: 14
Views: 1125

Re: DIVERSIFY the FIXED INCOME ??

Adding more funds to "spread the risk around" is not a productive approach. If you want less risk volatility in bonds, put all the money in CDs, or, if you think you would be comfortable with it you could put some money in MTGAs, though the advantage is not large. In a portfolio that is 6...
by Rajsx
Wed Dec 23, 2020 4:59 pm
Forum: Personal Investments
Topic: Diversity the Fixed Income ??
Replies: 14
Views: 1125

Re: DIVERSIFY the FIXED INCOME ??

" You could consider multi year guaranteed annuities (MYGAs) as a fixed income diversifier." Thank you, I had not thought of MYGAs, I wonder how much their yields - operating costs, improve on the present dismal rates of FDIC insured CDs, Go to blueprintincome.com for a good product descr...
by Rajsx
Wed Dec 23, 2020 4:43 pm
Forum: Personal Investments
Topic: Diversity the Fixed Income ??
Replies: 14
Views: 1125

Re: DIVERSIFY the FIXED INCOME ??

Thanks for your participation & opinions - I meant to add a Short Term Bond to my list of potential funds, but it got overlooked, so I just added that to my list of my earlier post. Let me reply to & discuss your opinions further. 1) " but the other options you list are really just givi...
by Rajsx
Tue Dec 22, 2020 10:25 pm
Forum: Personal Investments
Topic: Diversity the Fixed Income ??
Replies: 14
Views: 1125

Diversity the Fixed Income ??

Seeking your advice to diversify our Fixed Income Portfolio. I am 64 & DW 59, we will be starting withdrawal next year, have won the game so to speak, buy & hold investors, at present hold 5 mostly index, Vanguard Funds in total, our overall Asset Allocation is 60% Stocks / 35% Bonds / 5 % C...
by Rajsx
Sun Dec 20, 2020 10:04 pm
Forum: Investing - Theory, News & General
Topic: Sequence of return risk for those nearing retirement
Replies: 115
Views: 9215

Re: Sequence of return risk for those nearing retirement

https://earlyretirementnow.com/2018/05/23/the-ultimate-guide-to-safe-withdrawal-rates-part-25-more-flexibility-myths/ Frankly, I do not quite follow the process discussed at "Early Retirement Now" I am reading up on that & trying to understand what they are talking about. The way I loo...
by Rajsx
Sat Dec 19, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 853
Views: 94624

Re: Fidelity free Turbotax

Oh..OK, thanks for the info.
by Rajsx
Sat Dec 19, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: Sequence of return risk for those nearing retirement
Replies: 115
Views: 9215

Re: Sequence of return risk for those neaing retirement

A related scenario/question - We have around 20 years of living expenses in Fixed Income, I think that should suffice for the Bond Tent during present years & also SORR. We will probably face a Rising Equity Glide path.(Michael Kitches) We will start withdrawing next year at ages 65 & DW 60,...
by Rajsx
Sat Dec 19, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 853
Views: 94624

Re: Fidelity free Turbotax

I moved some IRA assets in Mutual Funds to Fidelity earlier this year, I did not trade any. I do not see the Free TT offer when I log in. Maybe I will call the Rep next week for Premier Download. Do you qualify based on your assets? I do not know what assets are required, we have close to $300k at ...
by Rajsx
Sat Dec 19, 2020 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 853
Views: 94624

Re: Fidelity free Turbotax

I moved some IRA assets in Mutual Funds to Fidelity earlier this year, I did not trade any. I do not see the Free TT offer when I log in.

Maybe I will call the Rep next week for Premier Download.
by Rajsx
Fri Dec 18, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2020 available Nov 4
Replies: 86
Views: 10208

Re: TurboTax 2020 available Nov 4

What advantage does the CD VERSION of Turbo Tax Deluxe or Premier have over the DOWN LOADABLE version ??
by Rajsx
Fri Dec 18, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: how much annual income do you think you need in retirement?
Replies: 113
Views: 8579

Re: Poll: how much annual income do you think you need in retirement?

All in including all Taxes, a paid off house, no debt, in Florida around $140k a year. We will start our retirement next year.
by Rajsx
Wed Dec 16, 2020 9:48 pm
Forum: Personal Investments
Topic: Estimate Possible Roth Conversions ??
Replies: 7
Views: 732

Re: Estimate Possible Roth Conversions ??

I was also using a 2019 tax software to calculate how much I could convert when I realized there will be a slight difference between 2019 and 2020 regarding the dollar amounts per bracket. So I found this online calculator was way faster to work and more accurate for 2020: https://www.mortgagecalcu...
by Rajsx
Wed Dec 16, 2020 9:17 am
Forum: Personal Investments
Topic: Estimate Possible Roth Conversions ??
Replies: 7
Views: 732

Re: Estimate Possible Roth Conversions ??

A couple of things: 1) Given your ages you could put a total of $9100 into your HSAs. At least $1000 must go into each individual's HSA, and you can then split the rest however the two of you decide. 2) Given your very large QD & LTCG amount, your first ~$36K of Roth conversions will incur a 30...
by Rajsx
Wed Dec 16, 2020 9:15 am
Forum: Personal Investments
Topic: Estimate Possible Roth Conversions ??
Replies: 7
Views: 732

Re: Estimate Possible Roth Conversions ??

I had trouble getting the “what if” worksheet to come up in my 2019 TurboTax. A Boglehead taught me how to do it. The 2020 TurboTax was easy for me to find the what if worksheet. Is that one of your challenges? Thanks for your participation in this thread helping me out. On the 2019 Turbo Tax, I we...
by Rajsx
Tue Dec 15, 2020 11:39 pm
Forum: Personal Investments
Topic: Estimate Possible Roth Conversions ??
Replies: 7
Views: 732

Estimate Possible Roth Conversions ??

I need help estimating how much can we possibly Roth convert this year ?? I am 64, DW 59, married filing jointly Non Qualified Dividends + Income = ORDINARY INCOME = $ 76k ; Long Term Gains + Qualified Dividends = $ 224 k ; Total income of $ 300 k Standard Deduction (mfj) of $24800 & Family HSA ...
by Rajsx
Sun Dec 13, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Vg Makes Rare Retreat as Price War It Started Takes a Toll
Replies: 142
Views: 13270

Re: Vg Makes Rare Retreat as Price War It Started Takes a Toll

Post's so far are "better Vanguard" but the point of the article is for many (most?) investors "not so much". :? I moved most of the assets I had with Vanguard to M1 this year just because I didn't like Vanguard telling me that I couldn't hold leveraged ETFs with them. I don't h...
by Rajsx
Sat Dec 12, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: Vg Makes Rare Retreat as Price War It Started Takes a Toll
Replies: 142
Views: 13270

Re: Vg Makes Rare Retreat as Price War It Started Takes a Toll

I wish Vanguard would have the Policy of changing their Representatives on Clients Request, I would not be testing other grounds & still be all at Vanguard. Others on the Forum were refused on requesting a different Rep. I find this hard to believe that they would rather you take your assets el...
by Rajsx
Fri Dec 11, 2020 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vg Makes Rare Retreat as Price War It Started Takes a Toll
Replies: 142
Views: 13270

Re: Vg Makes Rare Retreat as Price War It Started Takes a Toll

I have been with Vanguard since early 1990's & am a Flagship Select but am testing Fidelity & Schwab for another reason. Our Representative (or Relationship Manager) is aggressively selling the Professional Advisory Services(PAS) to us, they want to manage our investments in a asset under ma...
by Rajsx
Thu Dec 03, 2020 5:19 pm
Forum: Personal Investments
Topic: Another Portfolio Review as we begin withdrawal phase.
Replies: 5
Views: 814

Re: Another Portfolio Review as we begin withdrawal phase.

Thank you,

A Good 'Bond Tent Article',
by Rajsx
Thu Dec 03, 2020 12:07 pm
Forum: Personal Investments
Topic: Another Portfolio Review as we begin withdrawal phase.
Replies: 5
Views: 814

Re: Another Portfolio Review as we begin withdrawal phase.

Thanks Exitstage,

In your opinion, what % In Bonds in Asset Allocation or how many years of living expenses will you suggest a 65 yr old about to start retirement ?
by Rajsx
Thu Dec 03, 2020 11:50 am
Forum: Personal Investments
Topic: Do I need Bonds in my portfolio? [Portfolio Review Request]
Replies: 111
Views: 9174

Re: Do I need Bonds in my portfolio? [Portfolio Review Request]

I have a question ?? I am sure one needs to have Fixed Income (Bonds+Cash) in their Portfolio, no doubt in my mind. I often struggle with the question how much ? One way I have seen talked/read about is 1) A percentage of your investments, as Age in Bonds + Cash ( Or Age - 10) as a percentage of the...
by Rajsx
Thu Dec 03, 2020 11:23 am
Forum: Personal Investments
Topic: [Portfolio Review]
Replies: 13
Views: 815

Re: [Portfolio Review]

I wonder what you all think as such about how many Bonds in Asset Allocation. Is it age in Bonds in percentage of Asset Allocation (or Age + 10 in %) or a figure equaling a set number of years of one's living expenses, such as say 10 or 15 years & the rest in Equities. I have seen it being cut b...
by Rajsx
Wed Dec 02, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 13975

Re: Silliest Investment Mistakes?

Yes, few of the mistakes come to mind among many I have made, 1) Around 2008 sold a small portion of stock funds & sealed my losses. 2) Followed 110 - Age in Stocks to a fault, ended up with a huge Bond Index portfolio in Tax Deferred amounting to 20+ yrs of retirement living expenses, I could h...
by Rajsx
Tue Dec 01, 2020 7:30 pm
Forum: Personal Investments
Topic: Another Portfolio Review as we begin withdrawal phase.
Replies: 5
Views: 814

Another Portfolio Review as we begin withdrawal phase.

The question bothering me is whether to introduce some stock funds in my Tax Deferred Accounts which at present have VBTLX & VTABX. I am 64, DW is 59 & we will start withdrawing $140 k yearly (including Taxes & Health Care) for living expenses from our investments next year when we retir...
by Rajsx
Tue Dec 01, 2020 12:06 pm
Forum: Personal Investments
Topic: Do I need Bonds in my portfolio? [Portfolio Review Request]
Replies: 111
Views: 9174

Re: Do I need Bonds in my portfolio?

I am following this thread, thanks
by Rajsx
Tue Dec 01, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: Total portfolio allocation and withdrawal (TPAW)
Replies: 41
Views: 3399

Re: Total portfolio allocation and withdrawal (TPAW)

I am following this informative & very helpful thread now & also in the coming years to refer back to.

Thanks
by Rajsx
Sat Nov 28, 2020 11:44 pm
Forum: Investing - Theory, News & General
Topic: Who actually rebalanced recently?
Replies: 92
Views: 5748

Re: Who actually rebalanced recently?

I rebalanced in March this year when Stocks were down from Cash + VWIUX into VTSAX
Then in June when Stocks rebounded rebalanced back into VWIUX from VTSAX

All my Stock & Tax Exempt Bond Funds are in Taxable, so the Rebalancing Exercise ended up with a large Long Term Cap Gains Tax, Oh well.
by Rajsx
Sat Nov 28, 2020 11:24 pm
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 139
Views: 11286

Re: Willing to share your Taxable Portfolio?

VTSAX 56%
VTIAX 28%
VWIUX 16%
by Rajsx
Wed Nov 18, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to Confirm a Qualifying HDHP for HSA Eligibility
Replies: 16
Views: 1133

Re: How to Confirm a Qualifying HDHP for HSA Eligibility

Another HSA ELIGIBILITY Question, Can I continue my present HSA Insurance Plan till I go on Medicare in June 2021, & can I contribute to HSA next year in 2021 ?? Thanks You can contribute (prorated) for each month you were enrolled in an HDHP (HSA-eligible insurance plan) on the 1st day of that...
by Rajsx
Wed Nov 18, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to Confirm a Qualifying HDHP for HSA Eligibility
Replies: 16
Views: 1133

Re: How to Confirm a Qualifying HDHP for HSA Eligibility

Another HSA ELIGIBILITY Question,

Can I continue my present HSA Insurance Plan till I go on Medicare in June 2021, & can I contribute to HSA next year in 2021 ??

Thanks
by Rajsx
Tue Nov 17, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: HBO Max - view on TV?
Replies: 36
Views: 1881

Re: HBO Max - view on TV?

Although I am not a prolific TV watcher, I am glued to my Laptop instead for news, You Tube, Forums etc. We just upgraded to 1000bps with AT&T Wireless & received complimentary HBO Max. We do have a smart TV, a Roku Stick & I plan to download the HBO App on the TV & am hoping to watc...
by Rajsx
Sun Nov 01, 2020 12:40 pm
Forum: Personal Investments
Topic: My Retirement Withdrawal Plan - Your thoughts ?
Replies: 8
Views: 1611

Re: My Retirement Withdrawal Plan - Your thoughts ?

Both of us are are on Private Insurance now, when I go on Medicare DW will continue on Private Insurance. I still have to get into the details tax wise, but as far as yearly income is concerned the income withdrawn for expenses will be the same right? whether from Taxable Deferred or Taxable accoun...
by Rajsx
Sun Nov 01, 2020 10:39 am
Forum: Personal Investments
Topic: My Retirement Withdrawal Plan - Your thoughts ?
Replies: 8
Views: 1611

Re: My Retirement Withdrawal Plan - Your thoughts ?

Thanks Ram, Our yearly expenses are roughly around $140 to $150 k, we never qualified for Obamacare & possibly will never will. We have been paying out of pocket on our present High Deductible Health Plan, I am looking forward to Medicare starting next year. I will try to keep yearly income roug...
by Rajsx
Sun Nov 01, 2020 10:24 am
Forum: Personal Investments
Topic: My Retirement Withdrawal Plan - Your thoughts ?
Replies: 8
Views: 1611

Re: My Retirement Withdrawal Plan - Your thoughts ?

Thankyou Ralph, a good point.
by Rajsx
Fri Oct 30, 2020 8:26 pm
Forum: Personal Investments
Topic: My Retirement Withdrawal Plan - Your thoughts ?
Replies: 8
Views: 1611

Re: My Retirement Withdrawal Plan - Your thoughts ?

Both of us are are on Private Insurance now, when I go on Medicare DW will continue on Private Insurance. I still have to get into the details tax wise, but as far as yearly income is concerned the income withdrawn for expenses will be the same right? whether from Taxable Deferred or Taxable account...
by Rajsx
Fri Oct 30, 2020 5:18 pm
Forum: Personal Investments
Topic: My Retirement Withdrawal Plan - Your thoughts ?
Replies: 8
Views: 1611

My Retirement Withdrawal Plan - Your thoughts ?

I need your thoughts & critiques on my withdrawal sequence of different kinds of accounts - I am 64 & DW 59, we will start withdrawing from our retirement savings next year, have a all Vanguard Flagship Select Portfolio, by multiple retirement calculators we are fortunate to have enough fund...
by Rajsx
Tue Oct 20, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 376
Views: 68534

Re: The One-Fund Portfolio as a default suggestion

Thanks for a informative thread, I am following
by Rajsx
Wed Oct 14, 2020 5:49 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2739
Views: 437661

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Schwab sent me a email to refer a friend to Schwab and the friend will get $500 . I & DW last month transferred around $150k each from Vanguard, I wonder if there is any incentive if we come to Schwab on our own interest & not referred by any one else ?? Please comment if any one has / has n...
by Rajsx
Tue Oct 13, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10769

Re: "Nice" furniture recommendations

Thanks for an Informative Thread, I am following
by Rajsx
Wed Oct 07, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retired physicians (but others ok too. ;))
Replies: 59
Views: 6841

Re: Retired physicians (but others ok too. ;))

Interesting thread, reading the different routes Docs took after retirement. Looking back, I was burnt out managing a solo, office only, Cardiology practice. I could not round in the hospital due to a weak leg, competition was getting severe & the practice was dwindling due to my non availabilit...