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rocketsrule

What are you guys doing with any dry powder you have?

Ready to fund my backdoor roth today but wondering i I should wait. Was going to just buy some total US - ITOT

rocketsrule

Hello darkness my old friend

rocketsrule

What are you guys doing with dry powder at this point? I have a good amount left and thought of maybe just popping 100k towards the s&p 500 today

rocketsrule

What are you guys doing with dry powder right now? Might it be wise to wait until January as a lot of folks will take profits at year end and usually Jan starts lower? So if I understand you correctly, you believe that the price of stocks will be going down between now and "January as a lot of...

rocketsrule

What are you guys doing with dry powder right now? Might it be wise to wait until January as a lot of folks will take profits at year end and usually Jan starts lower?

rocketsrule

Anyone buying high today

rocketsrule

jay22 wrote: ↑Mon Nov 09, 2020 11:27 am Great day to sell some VTI and buy more QQQ.

QQQ's up today and you really think it's going to go a lot higher?

I'm in some of the arkk and arkw funds but can't decide if I want to buy more or just throw it towards ITOT. Tesla really hasn't been doing much and has a big chunk of the portfolio

rocketsrule

Wow. I had 100k ready to plunk down on Friday on Sp500 fund and forgot. What to do now

rocketsrule

Yep, lots of green in premarket trading. :moneybag What futures are you guys watching? I am seeing fading green on NASDAQ and red on the other indices. We will see who is right in 18 minutes. Well I'll call it now. It's going to be a down day because I bought stuff late yesterday. Sorry everyone

rocketsrule

atdharris wrote: ↑Mon Oct 12, 2020 10:37 am Why are we soaring so much today?

Who knows.. but I'm predicting a down day tomorrow after the last few being way up.

rocketsrule

not sure what to do with dry powder. Continue ITOT contribution?

rocketsrule

Are the QQQer's holding tight? Personally I have chosen to run around the room waving my arms in the air yelling we are all going to die. Others may have chosen to handle it differently. I'm shedding a little tear for the TQQQ in my (very small) Hedgefundie adventure. And another for the ARK funds ...

rocketsrule

I just want to apologize to everybody for the stock market crash. I bought some index funds this week therefore the market went belly up today

rocketsrule

It looks like overall your AA is 64/36 (including the cash). Is that your goal, or do you have a different desired AA? Paying down the student debt is a sensible move, but will have the effect of changing your AA to be more stock-intensive (as you will use the cash to pay down the student loan). Fo...

rocketsrule

It looks like overall your AA is 64/36 (including the cash). Is that your goal, or do you have a different desired AA? Paying down the student debt is a sensible move, but will have the effect of changing your AA to be more stock-intensive (as you will use the cash to pay down the student loan). Fo...

rocketsrule

Aside from paying down the student loan should I just keep pushing money into an SP500 find like Itot or should I at least move it into bonds so I can get some sort of return monthly instead of keeping it in my bank accounts?

rocketsrule

so I'm looking at our transactions and it seems like matching is done around August for the previous year. So this seems like it's a yearly match. If that's the case this front loading matter? I also see something such as employer NEC and safe harbor NEC contributions At this point, it's really jus...

rocketsrule

You likely have already checked, but if you haven’t make sure your 401k plan does a True Up for the match with you maxing it early. I'm not sure what a true up is. Can you explain especially as it relates to maxing early? I think they do the match in September but I'll double-check The true-up has ...

rocketsrule

What we are seeing right now is a melt-up in High Tech/Internet. It could be bears capitulating and covering their shorts, it could be money flowing into the "safe haven" of high tech. The big High Tech/Internet companies are minting money right now as the Covid-19 quarantine has boosted ...

rocketsrule

Can anyone help explain how a 401k match works in my situation and if I could be limiting myself and how much the employer matches? I was reading about Tru'ing up and front loading and now it has me thinking. Employee plan:For every 1% employee contributes up to 6%, company will contribute 0.5%. So ...

rocketsrule

999 wrote: ↑Sat Aug 29, 2020 8:33 am You likely have already checked, but if you haven’t make sure your 401k plan does a True Up for the match with you maxing it early.

I'm not sure what a true up is. Can you explain especially as it relates to maxing early?

I think they do the match in September but I'll double-check

rocketsrule

I usually stay boring but would love to continue to add more Total US and Tech and have been eyeing the below. I really think Tech such as Cloud/Automation/innovation is a great buy. Why do you think it's a great buy? I'm in the tech/cloud/automation space and I just see it being the unstoppable ju...

rocketsrule

retired@50 wrote: ↑Fri Aug 28, 2020 3:17 pm
rocketsrule wrote: ↑Fri Aug 28, 2020 2:47 pm
Debt:

Mortgage - 30yr - $325k - 3%

2 Rentals - 3.5% - Pay for themselves

Wife student loan 4.95% (275K)

I'd suggest you pay off the student loan. Where else can you get a guaranteed return of 4.95%.

Regards,

That's a good idea

rocketsrule

Currently looking for idea's on where to deploy dry powder as I am getting a little bit of a mental block at this point on what to do next. I don't know whether to pay down debt or invest as rates are low. If investing, how much? Maybe setup a 529? Just dont think i should be sitting on this much ca...

rocketsrule

I have a pretty simple portfolio with the majority consisting of a split between BSPIX (Black Rock SP500) in Tax Advantaged and FSKAK (Fido US) on Brokerage. I also own a pretty good position and SLMCX (Columbia tTech) in tax advantaged. Again it's a pretty boring setup but it's been rock solid for ...

rocketsrule

Or you could place a limit buy order at the mid-point between 52.72 and 53.15, so maybe for 52.93 Now, if you think the market's falling... maybe you'd bid less than 52.93, maybe even less than 52.72 Since you appear to be new to this, start out slow with small amounts. Regarding the premium or dis...

rocketsrule

I used to be a holder of FSKAX (Total Fidelity) but want to start buying ITOT for tax efficieny. When I go to purchase I see three prices. What am I missing and how do I purchase so I am not paying a premium. For instance the ask looks to be .10 more. Can anyone explain the below and how to set an o...

rocketsrule

Well, I blinked. Buy order didn't fill so I cancelled. Instead of buying stocks I decided to sell some of my LT Treasury while they're up over 4% on the day. At 0% Fed funds rate, getting pretty close to treasuries being dead money so I think I'd rather just go to cash instead for safety . When I s...

rocketsrule

I moved a bunch of funds around in my Fidelity brokerage accounts and have a good amount sitting in SPAXX waiting to be redeployed. Do I have any risk holding the money there? Is it FDIC insured?

https://fundresearch.fidelity.com/mutua ... /31617H102

rocketsrule

Jeez, I have $40k in VTEB and just saw it crashed a bit.

rocketsrule

Do you know how something like this would work if I were to let's say sell all my US positions and lock-in $20k long term gains then sell my international to lock in $17K loss, how much would I be saving myself at a 35% tax bracket? I would then take the funds from both my total US and internationa...

rocketsrule

You don't necessarily have to sell all your shares. You can set up things so that you can just sell your shares that have losses. You just have to watch out for wash sales. https://www.bogleheads.org/wiki/Wash_sale. Wash sales occur when you buy shares of "substantially identical" investm...

rocketsrule

You don't necessarily have to sell all your shares. You can set up things so that you can just sell your shares that have losses. You just have to watch out for wash sales. https://www.bogleheads.org/wiki/Wash_sale. Wash sales occur when you buy shares of "substantially identical" investm...

rocketsrule

LawProf wrote: ↑Thu Mar 12, 2020 11:04 am Brazil's president has the virus. Was with Trump last week. This is a worldwide pandemic, plenty of room still to fall.

I'm almost sure that our President also has it

rocketsrule

I'm in my mid thirties and have been fortunate to build about seven figures between my 401k, brokerage account (Roth and Taxable) and cash. I am in the 35% tax bracket. Off the top of my head I'm about 80-20 weighted overall stocks/bonds and about 80-20 US to international equities I'm pretty heavil...

rocketsrule

jay22 wrote: ↑Thu Feb 27, 2020 2:18 pm Tim Cook says China seems to have it under control now.

https://www.foxbusiness.com/technology/ ... oronavirus

Considering how big a player China is in Apple's whole supply chain, I'd take his word over anyone else's right now, if I am honest.

I think you mean Tim Apple

rocketsrule

And just deposited and bought my Roth limit of total market us yesterday with fidelity. Hehe

rocketsrule

You won't be double taxed as long as the Form 8606 you include with your 2019 tax return is filled out correctly. There is generally a wave of panicky posts in March and April from people who haven't managed to fill their Form 8606 correctly (including many who had professional tax preparers do the...

rocketsrule

I'm a pretty high earner and max my 401k each year. Last year I set up a tIRA to which I deposited $5,500 post tax into and then quickly moved it over to a Roth all through fidelity. Then I bought funds with the money in the Roth. The IRA funds will not be tax deducted. I just want to make sure I'm ...

rocketsrule

Thanks!

rocketsrule

CHeck out this sticky thread which explains what is going on: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=129142 That's what I've been trying to look for because there was already distribution on the 6th and looking at past distributions years before there was usually only one day in ...

rocketsrule

Then why decline as you can see per my statement. You can see the negative in the third set of numbers on the 20th

rocketsrule

Can anyone explain what happened with the below on 12/20 with Columbia Seligman Communications and Information Fund - Class A? There's a drop of $4,293.35 and dividends/cap were on 6th 12/1/2019 Beginning Balance 941.9441 85.060000 $80,121.77 12/6/2019 Dividends and Earnings 114.1538 75.580000 $8,62...

rocketsrule

So generally the market has been pretty good this week and closed on a high note today. All my funds were up generously but there was a sharp drop in SLMCX and a smaller drop in FTIHX. I didn't see any from a dividend or capital gain distribution but could that be the reason especially with SLMCX an...

rocketsrule

I have to double check but in my 4011 I have a tech sector fund that I've used for a long time that has some of those companies in it from the international. I try to keep a simple 3 fund porfolio with some money and tech sector as my wild card Well, I can tell you that I believe that most professi...

rocketsrule

When I have extra money, I have been just adding funds and purchasing more FSKAX (total US market) in my taxable or buying more in my Roth IRA each year when contributions can be made. In addition, I want to sell down some of my International and reallocate to Total Market. Do you think it would be...

rocketsrule

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? FSKAX - 17% Turnover / 0.15 ER VTSAX - 3% Turnover / 0.04 ER VTI -Cant find Turnover / 0.03 ER Is it ok to mix total market types? Yes you can mix total market index funds from ...

rocketsrule

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? FSKAX - 17% Turnover / 0.15 ER VTSAX - 3% Turnover / 0.04 ER VTI -Cant find Turnover / 0.03 ER Is it ok to mix total market types? Yes you can mix total market index funds from ...

rocketsrule

Clone it in Google Drive and use Google Spreadsheets (it uses Google's finance API so downloading it locally won't help). Update Federal and QDI to the tax bracket. Didn't really have time to change the numbers so I might be off. Scroll down to FSTVX and change that to FSKAX. Expense ratio should b...

rocketsrule

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? I'm not certain how much you'd save in taxes by using VTI over FSKAX, but you KNOW you'll save on the expense ratio. $200,000 x .0015 = $300 per year for FSKAX, versus $200,000 ...

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