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dbr wrote: ↑

Mon Sep 30, 2019 5:51 pm

2% is not high. It is a historically low interest rate.

True. Though they market it as High Yield Savings Account

Curious about this: There are quite a few institutions that offer high yield savings accounts. These are Goldman sachs, discover, sofi etc. Where do these guys invest to give a yield of 2%? Do they invest in other high yield instruments or is there something simple they invest to give 2% yield to cu...

I am new to investing and am in my early 40s. I have decided to go with 3 fund portfolio after going through this forum for the last few weeks. After a 10 year bull run everyone is expecting a stock market crash soon. I have cash sitting in savings account apart from my 401K that I plan to invest i...

H-Town wrote: ↑

Thu Feb 28, 2019 6:26 pm

Private Equity funds.

How does one invest in PE funds?

1. Not putting money in 401K for first 3 years (leaving money on the table for the match)
2. Not having enough wisdom about investing and starting late in the game at 35 for the simple 3 fund portfolio investment

How short is your short term? I have put money in VCADX for now. It is intermediate Muno Bond Fund. Returns are Federal and State Tax exempt.

Which out of VTI, VXUS, BND to hold in ROTH IRA In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in pre-tax accounts. That's because you've already paid the taxes in the Roth accounts so future growth is tax-fre...

Hi,

Does anyone know if there is a college savings plan in Australia (similar to the 529 we have in US)?


Thanks

Hi,

I am looking to invest in the 3 funds. I know that ROTH IRA allows tax free growth. My question is which out of these 3 funds should be held in ROTH IRA and why.

Thanks

This may sound silly. Had a question about short term trading. Can you do that with funds in Roth IRA. Given that you have certain money in Roth IRA and you want to do some short term trades on certain stocks, would it be allowed. Also since the Roth is post tax and not taxable when withdrawn at 60,...

I'd probably want stable value so I'd go with a money market, or national or CA muni money market, or savings account, or short term treasury. I would probably check rates every few months and bounce around but you're talking about very little difference at this point. Today's auction rate is 2.60%...

I think you have the right idea. I find US Treasury Bills/Notes to better than Savings/CDs as you save state tax. Obviously Municipal bonds you save both federal and state taxes. The tax equivalent yield is usually calculated as: advertised yield / (1 - tax rate) So if you are in the 24% federal br...

I am assuming you don't need all cash in one shot. if yes, why not do few 1yr ladders of CDs of 5k each with Ally (2.75% rate for 1yr CD) along with the options that you are thinking for rest of the money. @godsgift73: Would it also make sense to look at something like VCADX (Vanguard California In...

Hi, I have some cash (150-200K) that I am looking to hold for Real Estate Investing in the next 12-18 months. I don't want to keep cash in my account so looking at short term investment that will generate something, which is better than nothing. Some options that I looked at were 1. Savings Account ...

https://www.bogleheads.org/wiki/Bbackdoor_Roth_IRA Have you read this? Your questions are confusing.........your title sounds like you want to put post-tax dollars into TIRA but post "How does backdoor work if I cannot contribute pre-tax dollars to tIRA?" suggests you want to contribute pre-tax. Wh...

Contributions from pre-tax money is for a Traditional. Post-tax contributions are for a Roth. The combined limit is $5500 if under age 50. Next year it will go to $6000. @Flyer24: Sorry I am confused. I have been reading backdoor to Roth IRA if you maximize your 401K. How does backdoor work if I ca...

Hi, Trying to understand how much post-tax money can you really contribute to Traditional tIRA. Have been reading that the limit is $5,500 per year if you are under 50. Is that really the case. Is the limit $5,500 on pre-tax or post-tax contribution or is that the same whether you do either. Thanks

@chuck: As per IRS, if the AGI for married filing jointly is > $199K, then you can contribute nothing to Roth IRA correct. https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2018 In that case, the only option remaining for investmen...

@chuck: As per IRS, if the AGI for married filing jointly is > $199K, then you can contribute nothing to Roth IRA correct. https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2018 In that case, the only option remaining for investment...

Hi, My employer provides a 401K match. I have invested the $18,500 in the 401K for this year. Company doesn't provide any IRA. Also since my salary is around 200K, I don't think I am eligible for Roth IRA anyway. Given that, does it make sense to invest in Traditional IRA (another 5500). What is the...

Hi Bogleheads, I am relatively new to investing. Been working in US for last 6 years Have around 50K invested in my 401K so far.My 401K is with Fidelity and the money is invested in RFITX https://www.americanfunds.com/individual/investments/fund/rfitx I am looking to start investing around 4-5K into...