Search found 1460 matches

by manuvns
Sat Mar 16, 2024 1:02 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets Stocks have been a complete disaster
Replies: 170
Views: 15835

Re: Emerging Markets Stocks have been a complete disaster

Cocoa Beach Bum wrote: Fri Mar 08, 2024 8:27 pm
manuvns wrote: Fri Mar 08, 2024 7:35 pm it china's meltdown , wait it will recover eventually!
Care to offer any analogous situations from recent history in support of your assertion?
look at japan equity martkets
by manuvns
Fri Mar 08, 2024 7:40 pm
Forum: Investing - Theory, News & General
Topic: "When" do you sell equities during Retirement?
Replies: 29
Views: 4402

Re: "When" do you sell equities during Retirement?

the right answer would be when you re-balance , if you do that thing!
by manuvns
Fri Mar 08, 2024 7:35 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Stocks have been a complete disaster
Replies: 170
Views: 15835

Re: Emerging Markets Stocks have been a complete disaster

it china's meltdown , wait it will recover eventually!
by manuvns
Fri Mar 08, 2024 7:09 pm
Forum: Personal Investments
Topic: Career ending, getting fired. Can we FIRE ?
Replies: 149
Views: 21600

Re: Career ending, getting fired. Can we FIRE ?

sell your house and move to South! you can fire today
by manuvns
Fri Mar 08, 2024 7:05 pm
Forum: Personal Investments
Topic: 16 yr old - how can I best take on high risk?
Replies: 65
Views: 5233

Re: 16 yr old - how can I best take on high risk?

buy call option on NVDA and other bullish tech stocks! keep expiry within 60 days!
by manuvns
Fri Mar 08, 2024 6:40 pm
Forum: Personal Investments
Topic: Which type of self-employed retirement account to open?
Replies: 10
Views: 808

Re: Which type of self-employed retirement account to open?

since your net income is low i would recomend SEP IRA , solo 401k is when you have high income and want to contribute large sum of money for tax deferral
by manuvns
Mon Mar 04, 2024 9:24 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Stocks have been a complete disaster
Replies: 170
Views: 15835

Re: Emerging Markets Stocks have been a complete disaster

isn't the EM market funds paying better dividends than what US total market bonds paid few years back ? that makes them more attractive !
by manuvns
Mon Mar 04, 2024 9:09 pm
Forum: Personal Investments
Topic: Where to cap 529 contributions?
Replies: 64
Views: 4925

Re: Where to cap 529 contributions?

i limit my 529 to 10k per year due to state tax deduction limit , if more funds are needed i will use my i-series bond holdings . once i run out of those funds i will use student loans or sell taxable brokerage account assets
by manuvns
Sat Mar 02, 2024 9:46 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2224
Views: 286944

Re: Purchasing MYGAs (multi year guaranteed annuities) - mega thread

In today’s Wall Street Journal, MYGAs and defined maturity ETFs are mentioned as two of the ways to “lock in yields above 5%”. https://www.wsj.com/finance/investing/secure-high-yield-4-strategies-d663ba88?st=zsdjrzl98pob2ip&reflink=article_copyURL_share Great article if i am 48 and my wife is 43 and i want to retire at 59.5 how long of an MYGA should i invest in ? the blue print income shows this product do you think it is possible to lock higher rate for longer ? Product Name: Wichita Secure 5 A.M. Best Ratings: B+ Interest Rate: 6.30% Investment Term: 5 years A couple of thoughts - --- A rating of B+ is extremely low, especially for a product issued for a 5 year initial guarantee period. Follow this link to see a chart of AM Best def...
by manuvns
Sat Mar 02, 2024 8:49 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2224
Views: 286944

Re: Purchasing MYGAs (multi year guaranteed annuities) - mega thread

Stinky wrote: Wed Feb 28, 2024 9:08 am In today’s Wall Street Journal, MYGAs and defined maturity ETFs are mentioned as two of the ways to “lock in yields above 5%”.

https://www.wsj.com/finance/investing/s ... yURL_share
Great article if i am 48 and my wife is 43 and i want to retire at 59.5 how long of an MYGA should i invest in ?

the blue print income shows this product do you think it is possible to lock higher rate for longer ?

Product Name:
Wichita Secure 5

A.M. Best Ratings:
B+

Interest Rate:
6.30%

Investment Term:
5 years
by manuvns
Sat Mar 02, 2024 8:20 pm
Forum: Investing - Theory, News & General
Topic: High Yield Term Bond Ladder Crazy or Genius ?
Replies: 52
Views: 5571

Re: High Yield Term Bond Ladder Crazy or Genius ?

if you don't need the money immediately and have liquidity you can look into Multi-Year Guaranteed Annuity (MYGA)
by manuvns
Fri Mar 01, 2024 10:47 am
Forum: Investing - Theory, News & General
Topic: [Webull 3% Offer]
Replies: 48
Views: 5080

Re: [Webull 3% Offer]

according to the terms of 3% acat bonus 60% will post on Dec 31th 2024 and another 40% will post on Aug 31th 2025 the same for 2% deposit bonus . all transfers must be inititated by March 15th .
by manuvns
Fri Mar 01, 2024 12:25 am
Forum: Personal Investments
Topic: Asset Allocation after signing up for a house purchase and looming layoffs
Replies: 5
Views: 1063

Re: Asset Allocation after signing up for a house purchase and looming layoffs

I would pay off the Broker margin $150k at 5.5% floating rate and build a cash cushion
by manuvns
Fri Mar 01, 2024 12:19 am
Forum: Investing - Theory, News & General
Topic: [Webull 3% Offer]
Replies: 48
Views: 5080

Re: [Webull 3% Offer]

I have been trading on webull for some time now , and i like it due to zero cost trading especially option and have received some bonues as well! i will be moving some assets to webull to get the bonus of 3% , you will have to keep an eye on rewards center on webull to claim it i think ,but i am not sure will check with customer service
by manuvns
Mon Feb 26, 2024 11:13 pm
Forum: Investing - Theory, News & General
Topic: Absolute cheapest "total stock" ETFs
Replies: 45
Views: 5931

Re: Absolute cheapest "total stock" ETFs

SPLG: SPDR® Portfolio S&P 500® ETF. Expense Ratio Reduction: On August 1, 2023, the gross expense ratio for the SPDR® Portfolio S&P 500 ETF (SPLG) has been reduced to 0.02% from 0.03%, making it the lowest cost large-cap blend S&P 500 ETF offering.
by manuvns
Sat Feb 03, 2024 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: 1099/sep ira question regarding payment for 2023 work
Replies: 3
Views: 294

Re: 1099/sep ira question regarding payment for 2023 work

Assuming that you're running your business on a cash (rather than accrual) basis you would recognise the income when it's received. So it would be for 2024 not 2023, in the examples above. Your SEP contribution is 20% of your net business income less 1/2 of your self employment tax. You can make the contribution at any point during the year, and up until your tax filing deadline for the year (April of the next year). It doesn't have to be in the month that you receive the income, but it can't be in the wrong year. So, in your case, you couldn't use the income you received in 2024 to make a 2023 contribution, but you could make a 2024 contribution anytime in 2024 instead. Thank you, it sounds like i would have to recharacterize my excess 20...
by manuvns
Sat Feb 03, 2024 9:15 am
Forum: Personal Finance (Not Investing)
Topic: 1099/sep ira question regarding payment for 2023 work
Replies: 3
Views: 294

1099/sep ira question regarding payment for 2023 work

If i worked for my client in Novmber 2023 and i invoiced them on 1st december and received the payment on January 15 ( term of payment net 45 ) will that payment be included in 2023 1099 or 2024's . Similary for December . My client has send me 1099 which does not include payment amount for November and December 2023 and i want to know what should be the 1099 rules .
I assume the same rule will apply to SEP IRA contribution for 2023 ? Where i am putting in 20% of my total amount invoiced .So do i contribute to 2023 SEP IRA for the month of Nov and Dec 2023 ( which i received in January and Feb 2024 )

thanks
by manuvns
Mon Jan 15, 2024 10:05 pm
Forum: Investing - Theory, News & General
Topic: Buy, sell, or hold my Microsoft shares? [Hypothetical situation]
Replies: 52
Views: 5988

Re: Buy, sell, or hold my Microsoft shares? [Hypothetical situation]

I would sell MSFT and buy something like Emerging market fund like VWO it's very cheap now and higher change of outperforming the overall market for lower risk !
by manuvns
Mon Dec 11, 2023 7:11 pm
Forum: Personal Investments
Topic: Anyone have any of the "Magnificent 6" in retirement accts?
Replies: 6
Views: 1433

Re: Anyone have any of the "Magnificent 6" in retirement accts?

i have QQQ, US growth funds and VTI if that counts
by manuvns
Mon Dec 11, 2023 7:05 pm
Forum: Investing - Theory, News & General
Topic: SCHD Poor Performance
Replies: 122
Views: 19534

Re: SCHD Poor Performance

BUY VTI or VT instead
by manuvns
Tue Nov 28, 2023 7:02 pm
Forum: Personal Investments
Topic: Ultra safe cash alternatives for $1 million
Replies: 30
Views: 6825

Re: Ultra safe cash alternatives for $1 million

your local credit union CD and money market account and treasury direct bonds
by manuvns
Tue Nov 28, 2023 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to NOT get the Apple Card?
Replies: 80
Views: 12723

Re: Any reason to NOT get the Apple Card?

the credit card depends on your spending habits , if you travel and take flights some premium cards are better which offer lounge access and good amount of cash back and other benefits .
by manuvns
Tue Nov 28, 2023 6:20 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger dies at 99
Replies: 63
Views: 13244

Re: Charlie Munger dies at 99

Alibaba dropped few buck today closte to 52 week low . Missing Charlie the great bull for $BABA, RIP!
by manuvns
Mon Nov 20, 2023 5:17 pm
Forum: Personal Investments
Topic: SEP IRA in the same tax year with w2 401k and ROTH
Replies: 9
Views: 1433

Re: SEP IRA in the same tax year with w2 401k and ROTH

Thanks for the tip I am planning to do SEP IRA this year ( 2023 ) since i have only 40-50k in LLC revenue . next year i expect higher earning and my CPA is setting up S-corp for the same . I am not very interested in going beyond in 20-25% allowed by SEP IRA i would rahter pay taxes now than later . I am 10-12 years away from retirement .
by manuvns
Mon Nov 13, 2023 1:07 pm
Forum: Personal Investments
Topic: SEP IRA in the same tax year with w2 401k and ROTH
Replies: 9
Views: 1433

SEP IRA in the same tax year with w2 401k and ROTH

Can I open a SEP IRA in the same tax year with w2 401k and ROTH , I was employed for the first 5 month on w2 with 401k and Roth IRA , Later in september i bacme self employed and stater a LLC as self employed with SEP IRA . Now can I open contribute a SEP IRA in same calendar year ? I have maxed out the 401k and ROTH for the year though . I was thinking about contributing 20% of my revenue for SEP IRA . thanks
by manuvns
Wed Oct 25, 2023 2:07 pm
Forum: Investing - Theory, News & General
Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
Replies: 87
Views: 11031

Re: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]

hitonit wrote: Sat Oct 21, 2023 3:06 pm
manuvns wrote: Fri Oct 06, 2023 11:50 am So right now the lowest it can go is 84.25$ , congrats if you got in!
$83.24!
now 82.XX ... going once ... ladies and gentleman we need a new low !
by manuvns
Thu Oct 19, 2023 11:30 pm
Forum: Personal Investments
Topic: Time to buy Bond Funds?
Replies: 14
Views: 2774

Re: Time to buy Bond Funds?

yes good time to buy!
by manuvns
Thu Oct 19, 2023 1:09 am
Forum: Investing - Theory, News & General
Topic: Which i series bond should i redeem
Replies: 4
Views: 799

Re: Which i series bond should i redeem

tibbitts wrote: Thu Oct 19, 2023 1:02 am
manuvns wrote: Thu Oct 19, 2023 12:55 am Which i series bond should i redeem now? My gut says the one issued in 02/01/2009 since it has the lowest rate . also what is the best day of the month to redeem ?

02-01-2009 4.09% $4,000.00
04-01-2008 4.60% $5,000.00
06-01-2005 4.60% $3,000.00
Nobody wants to do the research to know what the fixed rates are on these; you'll get better replies if you state that.

Always redeem at the beginning of a month.
here are the fixed rates from the chart i found

11/08 - 04/09 0.70%
11/07 - 04/08 1.20%
05/05 - 10/05 1.20%
by manuvns
Thu Oct 19, 2023 12:55 am
Forum: Investing - Theory, News & General
Topic: Which i series bond should i redeem
Replies: 4
Views: 799

Which i series bond should i redeem

Which i series bond should i redeem now? My gut says the one issued in 02/01/2009 since it has the lowest rate . also what is the best day of the month to redeem ?

02-01-2009 4.09% $4,000.00
04-01-2008 4.60% $5,000.00
06-01-2005 4.60% $3,000.00
by manuvns
Wed Oct 18, 2023 9:37 am
Forum: Investing - Theory, News & General
Topic: earnings yield plus inflation - most straight forward stock return estimate?
Replies: 90
Views: 7617

Re: earnings yield plus inflation - most straight forward stock return estimate?

When the risk free rate is 5% how do you see the returns on risk assets ? does it mean it can swing 5-10% with short notice ?
by manuvns
Fri Oct 13, 2023 8:32 pm
Forum: Investing - Theory, News & General
Topic: Long-term interest rates now more volatile than short-term
Replies: 8
Views: 1703

Re: Long-term interest rates now more volatile than short-term

it might be due to derivatives and massive short going on with LTT
by manuvns
Fri Oct 06, 2023 2:49 pm
Forum: Investing - Theory, News & General
Topic: Long Treasuries down 55%. Time to bottom fish?
Replies: 416
Views: 52055

Re: Long Treasuries down 55%. Time to bottom fish?

I am thinking of selling my I series bonds and buying long term treasuries . what can go wrong at these prices ?
by manuvns
Fri Oct 06, 2023 11:50 am
Forum: Investing - Theory, News & General
Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
Replies: 87
Views: 11031

Re: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]

So right now the lowest it can go is 84.25$ , congrats if you got in!
by manuvns
Tue Oct 03, 2023 9:28 pm
Forum: Investing - Theory, News & General
Topic: Why are Utilities Dropping So Fast?
Replies: 35
Views: 6360

Re: Why are Utilities Dropping So Fast?

Because bond and Cash accounts are more attractive now! Look at REIT indexes same story
by manuvns
Tue Oct 03, 2023 1:41 pm
Forum: Investing - Theory, News & General
Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
Replies: 87
Views: 11031

Re: How lower can TLT drop from here?

dimbmw wrote: Tue Oct 03, 2023 1:29 pm
manuvns wrote: Tue Oct 03, 2023 1:13 pm I am not sure but i am thinking i will buy 100K of TLT @4.5% and service my 200K @ 2.25% mortgage with it ! Any catch ? a poor mans trade
The only catch is if the principle TLT will drop further and sit there…
Some thing will break and then FED printing / interest rate drop will start again!
by manuvns
Tue Oct 03, 2023 1:17 pm
Forum: Investing - Theory, News & General
Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
Replies: 87
Views: 11031

Re: How lower can TLT drop from here?

rockstar wrote: Tue Oct 03, 2023 1:16 pm
manuvns wrote: Tue Oct 03, 2023 1:13 pm I am not sure but i am thinking i will buy 100K of TLT @4.5% and service my 200K @ 2.25% mortgage with it ! Any catch ?
TLT is a fund. The yield isn’t fixed.
I know pun intended
by manuvns
Tue Oct 03, 2023 1:13 pm
Forum: Investing - Theory, News & General
Topic: How lower can TLT drop from here? [iShares 20+ Year Treasury Bond ETF]
Replies: 87
Views: 11031

Re: How lower can TLT drop from here?

I am not sure but i am thinking i will buy 100K of TLT @4.5% and service my 200K @ 2.25% mortgage with it ! Any catch ? a poor mans trade
by manuvns
Mon Oct 02, 2023 9:14 pm
Forum: Investing - Theory, News & General
Topic: Does a Bond Fund Yield Equal Its Perpetual Withdrawal Rate?
Replies: 34
Views: 2928

Re: Does a Bond Fund Yield Equal Its Perpetual Withdrawal Rate?

i will buy 100K of TLT @4.5% and service my 200K @ 2.25% mortgage with it ! Any catch ?
by manuvns
Tue Sep 26, 2023 10:24 pm
Forum: Personal Investments
Topic: Perfect timing for EDV (Long term treasury)
Replies: 57
Views: 6500

Re: Perfect timing for EDV (Long term treasury)

selling $69 EDV put tommorow to make $135-165
by manuvns
Tue Sep 26, 2023 10:18 pm
Forum: Investing - Theory, News & General
Topic: Bill Ackman: "Long-term rates will rise further"
Replies: 84
Views: 13165

Re: Bill Ackman: "Long-term rates will rise further"

fear·mon·ger·ing
/ˈfirˌməNGəriNG/
noun
the action of deliberately arousing public fear or alarm about a particular issue.
"he was engaging in pure fearmongering that just might frighten folks into buying anti-hacker software"
by manuvns
Tue Sep 26, 2023 10:03 pm
Forum: Investing - Theory, News & General
Topic: EDV assuming inflationary fears fail
Replies: 49
Views: 6307

Re: EDV assuming inflationary fears fail

Build a bond portfolio with these funds and chill

USHY (iShares Broad USD High Yield Corporate Bond ETF)
FLTR (VanEck Investment Grade Floating Rate ETF)
SCHO (Schwab Short-Term U.S. Treasury ETF)
SJNK (SPDR SER TR BLOOMBERG SHT TE)
TIMXX (US Government Money Market Fund)
VGLT (Vanguard Long-Term Treasury ETF)
by manuvns
Tue Sep 26, 2023 9:37 pm
Forum: Investing - Theory, News & General
Topic: Buy Borrow Die & Risk
Replies: 75
Views: 18498

Re: Buy Borrow Die & Risk

borrow when market drops 10% or more then service debt
by manuvns
Sun Aug 06, 2023 9:27 am
Forum: Investing - Theory, News & General
Topic: submit ?s: planning for early retirement / FIRE
Replies: 46
Views: 8028

Re: submit ?s: planning for early retirement / FIRE

What is your thoughts on using a portfolio line of credit and servicing the line with retirement cash flow /income/distribution ?
by manuvns
Sun Aug 06, 2023 8:48 am
Forum: Investing - Theory, News & General
Topic: US credit downgrade
Replies: 130
Views: 15633

Re: US credit downgrade

But is there a possibility of liquidity crisis for UST ?

TLT has Average Yield to Maturity of 4.41% as of Aug 03, 2023 , I am adding small amount to my portfolio . It should outperform stocks should the rates drop in future ,
by manuvns
Mon Jul 31, 2023 8:51 pm
Forum: Personal Investments
Topic: Best way to treat an unlikely-to-be-used 529
Replies: 21
Views: 3563

Re: Best way to treat an unlikely-to-be-used 529

529 to Roth conversion is best option , otherwise pass it down to next generation of grandkids , or withdraw with penalties when you have low income /taxes , the beauty of 529 is that you get tax break when you contribute and it grows tax free / no taxes when you withdraw
by manuvns
Mon Jul 31, 2023 8:48 pm
Forum: Personal Investments
Topic: Best moves for 403b and 457b plan with Tiaa-Cref on job separation
Replies: 18
Views: 2178

Re: Best moves for 403b and 457b plan with Tiaa-Cref on job separation

Shih Tsu man wrote: Tue Jul 25, 2023 10:08 pm is it a governmental or nongovernmental plan? if governmental, I think you can rollover to an IRA
IT's governmental since I worked for a state university