Search found 11 matches

by PineForest
Sun Mar 08, 2020 5:28 pm
Forum: Personal Investments
Topic: question about tax-exempt bond funds (vwiux or vteax)
Replies: 2
Views: 297

question about tax-exempt bond funds (vwiux or vteax)

New investor here with some basic questions. a) Why/how are these bond funds (vxiux and vteax) tax-exempt? b) I read that these funds are exempt from federal tax. Does this mean that I would have to pay state tax on them? I live in MN and think that MN uses federal adjusted income as basis for its t...
by PineForest
Sat Feb 15, 2020 10:45 pm
Forum: Personal Investments
Topic: Basic Questions about Bonds from New Investor
Replies: 8
Views: 918

Re: Basic Questions about Bonds from New Investor

b) I keep reading about how low the returns are for bonds (1 to 2%), but then I look at the websites for funds like the following and see that in the past year they have returns of 10% or more. I'm not an expert on bonds - they are mysterious creatures - but this is how the BHs have helped me to si...
by PineForest
Sat Feb 15, 2020 8:40 am
Forum: Personal Investments
Topic: Basic Questions about Bonds from New Investor
Replies: 8
Views: 918

Basic Questions about Bonds from New Investor

I've been reading some posts about bonds and I'm confused about a few things. a) What is the difference between yield and returns, if any? b) I keep reading about how low the returns are for bonds (1 to 2%), but then I look at the websites for funds like the following and see that in the past year t...
by PineForest
Fri Feb 14, 2020 8:06 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4355

Re: Investing money for the next 6 years

"Muni bond funds only make sense for individuals in high tax brackets." Could you explain why this is so? Thanks. Because: 1. They're tax-advantaged -- the interest is free from federal, and sometimes state, income taxes 2. But they pay less interest than taxable bonds 3. However, the tax-equivalen...
by PineForest
Thu Feb 13, 2020 10:57 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4355

Re: Investing money for the next 6 years

"Muni bond funds only make sense for individuals in high tax brackets."

Could you explain why this is so?

Thanks.
by PineForest
Sun Jan 26, 2020 11:38 am
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6692

Re: New Here Wondering About Possible Market Crash

Pine Forrest: Welcome to the Bogleheads Forum! It is always scary to make our first investment in stocks. Yes, stocks could go down the next day. You can be certain that they will go down many times during a lifetime of investing. Stocks go up and down--you must recognize that fact and become comfo...
by PineForest
Sat Jan 25, 2020 12:16 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6692

Re: New Here Wondering About Possible Market and Social-Economic-Ecological Decline

All this is providing great food for thought and helping me rethink my investment philosophy. Thanks again for all the responses. There is one more thing I want to ask about as I (deeply) reevaluate my ideas about money and investing. I know I am risking intense responses from some, but it's importa...
by PineForest
Fri Jan 24, 2020 8:40 pm
Forum: Personal Investments
Topic: New to Investing Roth IRA or Solo 401K for Spouse?
Replies: 3
Views: 312

Re: New to Investing Roth IRA or Solo 401K for Spouse?

Welcome, You have started two posts, but both would generate better replies if there was more information. You can edit your posts using the pencil icon in the upper right corner of the post. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Income? Total invested now? Tax bracket, etc. Pau...
by PineForest
Fri Jan 24, 2020 5:12 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6692

Re: New Here Wondering About Possible Market Crash

Thanks to everyone for the informative (and entertaining! :D) responses. Very helpful.
by PineForest
Thu Jan 23, 2020 10:19 pm
Forum: Personal Investments
Topic: New to Investing Roth IRA or Solo 401K for Spouse?
Replies: 3
Views: 312

New to Investing Roth IRA or Solo 401K for Spouse?

New to investing and to this forum. Appreciate all the valuable information. So much to learn that I've never known about before. My wife and I are just starting to invest even though we're in our early 40's. She has $6,000 to invest now and hopes to add $500 from now on per month to her investment....
by PineForest
Thu Jan 23, 2020 9:57 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6692

New Here Wondering About Possible Market Crash

New to investing and to this forum. Appreciate all the valuable information. Even though I'm 44, I'm a beginner with all this. Better late than never... I have a question about the market. I understand that no one can predict where the market is going, but do people here think that the market will c...