Bogleheads.org

I agree. There is no hurry to get the money invested so parking the money someplace real safe for six months or longer to learn more, come up with a plan, and get used to having the money is very reasonable. I've seen suggestions on other posts to sit on a windfall for 6-12 months while someone for...

There are others out there, but here is a Google Sheet I created to monitor how far out of desired allocation a portfolio moves: Click for Asset Allocation & Rebalance Google Sheet Some notes: This is not my portfolio, just sample data Not intended to simply plug and play - You will need to look...

I like Merrill Edge for everything except for our 529s (Vanguard wins here) and a Donor Advised Fund (Fidelity wins here). A lot of it is personal preference but I like both the Merrill Edge web and mobile apps. When I go to Vanguard to look at some of my wife's investments, I find it to be a bit co...

Thanks for the replies everyone! This makes sense. I was coming at it from a low ordinary income, high bond allocation perspective and was already including the bond income to calculate the marginal rate. It's obvious to me now that this doesn't make sense. As a hypothetical, if one earns 50K in ord...

Hi All, I've been trying to work through the calculations I have found here and elsewhere regarding tax equivalent yield to see if munis are worth it for me. So, here's the calc I find most places. They either just say "tax rate" or more frequently "marginal tax rate" Taxable Equ...

Thank you both for the replies. Very helpful! I'll be interested to see how income works out here in the upcoming year.

Hi all, Vanguard Tax-Exempt Bond ETF (VTEB - https://investor.vanguard.com/etf/profile/VTEB) has a 30 day SEC yield of 0.98%. Merrill Edge has a nice "Estimated Investment Income" report that, by my calculations, has VTEB paying out about 1.99%. i.e. if I have $100K in VTEB, it estimates t...

Thank you all for the replies! This has been helpful for me to understand some more of the mechanics of these bond etfs.

As pointed out above, the Yield To Maturity of the portfolio that makes up Vanguard's Short-Term Bond Fund (BSV) is 0.4% Maybe chalk this up to my misunderstanding. The 12-month yield is 1.90%. My understanding is that this is the sum of the prior 12 months interest. So, not the current or forward ...

Short term index ETFs such as BSV seem pretty stable, price-wise, and have a much better return than a high yield savings account. I understand that a fund such as BSV is comprised of 1-5 year bonds, but is there a rule of thumb for the minimum amount of time one should reasonably expect to keep mon...

If you're used to working/living in spreadsheets, you can use Google Sheets and pull data from google finance: https://support.google.com/a/users/answer/9308730?hl=en https://support.google.com/docs/answer/3093281 Example formula: =GOOGLEFINANCE("VTI") Other than that you can google "...

From the cost basis and the 83b for the early exercise, it sounds like she might have purchased the shares pretty early when the company was small-ish. If she meets the requirements for Qualified Small Business Stock you could pay 0% on the federal LT gains. The early exercise starts the clock earli...

Tax Rate: 22% Federal, 6% State, city tax 3.87% As far as I know, PA has a flat 3.07% income tax rate: https://www.revenue.pa.gov/GeneralTaxInformation/Tax%20Types%20and%20Information/PIT/Pages/default.aspx#:~:text=Pennsylvania%20personal%20income%20tax%20is,not%20federally%20taxed%20as%20corporati...

Rather than reply individually to each post, thank you all for the helpful responses! This definitely put some clarity around #1 and #3. I see that my concern regarding on bond share price is irrelevant in the long term and I shouldn't worry about this. Risk tolerance is subjective and individual, s...

Hi All! My first post, though I've been doing lots of research here. I have read the various wiki pages here on bonds as well as a ton of posts. 1) Bad time to get into bonds? I've been researching whether or not to diversify into bond Funds/ETFs (some munis for the tax efficiency and some others as...