Bogleheads.org

C:50
S:30
F:20

I don’t know, sounds like you are risking losing all your gains to date by converting to cash without an actual plan other than what you are hearing on the headwinds. Remember Buffet’s opinion of bonds is cushioned by the fact that he has billions in cash reserves already. Do you? :) I would think y...

Our teen daughter has a part time job, no investments, so she only has to file using her W2, no kiddie taxes to worry about. Her’s is pretty easy. Uses FreeTaxUSA and files single and that someone else can claim her and we file joint and that she is our dependent. She gets a small bit back and has i...

Does anyone just leave money or actively keep cash there? For Vanguard, sweep is their VFMMX federal money market fund.

When referencing bonds for EF, I’m assuming you all are talking taxable brokerage accounts and not tax advantage since an emergency fund needs to be some measure of liquid? Since bonds in taxable aren’t optimal, is this an instance when it would be acceptable since it is assumed that EF’s balance is...

I guess there is no need to fret over which one to choose over a four year time period. GNMA is an extremely safe and low volatility fund, lower variance than both TBM and IT Treasury funds on a monthly basis over the last 35 years or so it has existed. All the complaints you will hear about it reg...

bugleheadd wrote: ↑Thu Dec 24, 2020 5:37 pm i thought the 5 year rule applies to conversions, not contributions

It does. You can pull your Roth contributions out any time without penalty, you just may have to file IRS form 8606 at tax time to make sure they don’t deem it a non-qualified withdrawal.

At this point I’m either leaving my smallish amount of cash in Ally Savings or moving what I consider emergency fund cash to my Vanguard taxable sweep account VMFXX and forgetting about it. Just too much hassle for the amount of cash I keep to chase rates, or deal with extra accounts etc. Trying to ...

I have a two year old and my income has been severely impacted this year and for the foreseeable future. I have 40k in the 529 and was planning on getting to 50k before he is 3 and stopping contributions for his education as we are hoping to have another child and I would like to divert funds there...

I’m lazy and don’t want to manage two funds or worry about my us/international ratios.

The lone share you purchased will split, eventually. I’m waiting on my Apple split which hasn’t registered in E*Trade yet. As of this morning Vanguard updated the quantity of my AAPL holdings but not the price per share. Had to do a double take when I saw an extra $998,000 in my account. I’m sure i...

Well, the FED said they were keeping interest rates near zero for the next five years so I don’t know...

Notsobad wrote: ↑Wed Aug 19, 2020 9:44 pm Once a month, on the first, with an automatic investment.
However, when there is leftovers after expenses, I send some more.

This is exactly what Ido.

Redlion wrote: ↑Sun Mar 29, 2020 12:51 pm Not sure if anyone mentioned this, The Life Strategy funds can be used as a one fund portfolio and are pretty common.

Yep, all in on VASGX (Growth fund 80/20) in my Roth, will switch to moderate growth fund when I hit 50 and go from there.

Good advice, the market today recovered almost all of it’s losses by closing. Recovered almost all of it's losses? Which market are you talking about? The US markets all mostly recovered from the initial selloff that began at opening this morning. At one point today the DOW for example was down 101...

Good advice, the market today recovered almost all of it’s losses by closing. Recovered almost all of it's losses? Which market are you talking about? The US markets all mostly recovered from the initial selloff that began at opening this morning. At one point today the DOW for example was down 101...

Just dollar cost average a certain amount over a time frame of your choice and be done with it. Market could rise all next week only to far further the following. Nobody knows nothin' :beer Good advice, the market today recovered almost all of it’s losses by closing. Those who “bought the dip” at 1...

4 Accounts 1 Checking with Ally which is our master account 1 Savings with Ally which is our cash on hand/emergency fund account 1 Checking with CapOne360 for our teenager who just started working 1 Checking at my local credit union that my wife uses for her small business and for cash deposits. I’d...

CapitalOne Performance Savings is 1.7% right now.

...Understand, Hospice is not always the end of life though it usually means all other avenues of treatment are no longer valid. I had a good friend go into hospice for 3 months and his cancer went into remission and he came out of it and he is still living a full life today. Yes, that's what I was...

First, sorry to hear about your situation, as someone who just went through this with my father, it’s really tough. My father was diagnosed with Gliablastoma (brain cancer) in april of 19’. After all treatment failed, he entered into professional home hospice care in Dec 19’. Because it was home hos...

New guy here, also a FED. I probably won’t touch the G fund until i’m much closer to retirement but I keep an AA of 53/27/20 (C,S,F). My understanding is that the government can dip their hands into the G fund if they need to, if so, wouldn’t that subject the fund to instability outside of market fo...