Bogleheads.org

I recommend The Minimalists. Here is their Ted Talk which gives the background on their story.
A rich life with less stuff | The Minimalists | https://www.youtube.com/watch?v=GgBpyNsS-jU

If you scroll through their YouTube channel you will find a plethora of ideas on decluttering.
https://www.youtube.com/@theminimalists/videos

Thanks for all of the feedback. I think I will follow the advice given here today and sell the shares. The long-term goal is to have a portfolio in retirement with a low cost, low fees, and low turnover.

I appreciate everyone's advice. My cost per share is currently up 0.95 (about $1,110) at the moment. It has performed well in the past, so I have been on the fence on whether to hold or sell. Because it is closed to new investors, if I sell, I can't get back into this fund.

Thanks

I own shares of VHCAX (Vanguard Capital Opportunity Adm). Below I have compared it to VTSAX. It is not in a retirement account. It is a small part of my portfolio. I realize the ER is .36 vs .04 (compared to VTSAX) but what are the pros/cons of keeping it at this point vs selling? Average annual total return—after taxes on distributions and sale of fund shares Vanguard Capital Opportunity Adm Vanguard Total Stock Mkt Idx Adm 1-year -9.14% -11.34% 3-year 5.59% 5.37% 5-year 6.59% 6.82% 10-year 11.61% 9.95% Since inception 9.08% 5.96% Inception date 11/12/2001 11/13/2000 1-, 3-, 5-, 10-year as-of date 12/31/2022 12/31/2022 Edit: First purchase was in May 2018, I have reinvested dividends and made a few more purchases since then. This is a fund...

How long do you plan to live in this house? Do you have other money/retirement besides the $100K?

I wonder the same thing. Should a future rollover be put into a separate brokerage account so as to not cause confusion and comingle funds?
https://www.investopedia.com/ask/answer ... odroth.asp

“One day, in retrospect, the years of struggle will strike you as the most beautiful.”
― Sigmund Freud

One thing that stands out to me are your social security calculations. You said you are 40 years old, social security benefits are based on 35 years of work history. The estimates that are available from social security assume you continue to work, at the current rate, through age 62 if I am not mistaken.

Social security: If I don't return to the workforce, my benefit will be ~$35k/year if claimed at age 70. Her benefit will be ~$41k/year if claimed at age 70 (assumes she continues working to age 65), though this also assumes no further raises.

If it isn't that large of an amount and you can afford it, I would do a direct transfer rollover of all FERS (and TSP, if you contributed) to a Roth IRA with Vanguard or Fidelity. I would not have them withhold taxes from FERS or TSP, I would simply pay taxes on any amount converted to Roth when you do your taxes at the end of the year as it will count as income. The amount that has already been taxed will go right into Roth and then amount that hasn't been taxed will be taxed per your instructions. From that point forward it will ALL grow tax free, no restrictions, no RMDs, no worries.

If you take the pension, the pension dies when you die. If you rollover to Roth IRA, it can be passed down to your heirs.

I recommend you visit www.spain.info the official tourism site. Also, you can download free brochures here:
https://www.spain.info/en/brochures/#ul_7

Bask bank now offering 3.60% APY.

I have found the best rate to be with Lake Michigan Credit Union, Max checking, 3% up to $15,000. You and spouse can each open an account for up to 3% on $30,000 combined. https://www.lmcu.org/