Investing - Theory, News & General • Pros and Cons of STRIPS vs. TIPS
What are the pros and cons of individual Treasury STRIPS vs. individual TIPS for a 10+ year holding period?Please assume:Held in a 401(k) or IRAIndividual securities only, not funds/ETFsIntended to be...
View ArticlePersonal Investments • Modifying a TIPS ladder
I set up a 30 year TIPs ladder in June 2024 (at age 64).The bonds are held in a regular IRA.I originally planned to hold to maturity.My understanding is that the recent changes in yields are fully...
View ArticleInvesting - Theory, News & General • 2026 Bogleheads Conference:...
Speakers and ScheduleThe conference will run from 12 p.m. on Friday, November 13, through 12 p.m. on Sunday, November 15. (We’ll release a full agenda at a later date.) A more detailed schedule with...
View ArticlePersonal Consumer Issues • Back up passwords to financial sites
I'm still on an iPad Generation 9 with Lightning port and Home button, and it's the hold up on me switching on Google Advanced Protection Program and FIDO2 on the Apple account. Maybe will upgrade in...
View ArticlePersonal Investments • investment growth using dividends & capital gains
so sorry i was not smart enough to follow some formula or the best way to follow exactly what i should do.i began in 12-5-2003 with $377,604.00 i had saved and and by 10-6-26 i had $5,179,954.00 and...
View ArticlePersonal Investments • 63, Recently Retired - Diversify Now Or Wait Till 2029?
I'm was going to agree with the posters above who say de-risk immediately but...The reason to de-risk is "if you've won the game, stop playing."On the other hand, you have cash to cover expenses until...
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Personal Investments • Roth Conversion planing questions
AustmarToki, welcome to the forum.Tax Rate: 12% / 22% Federal Marginal | 4.0% California Marginal (Effective: ~9.5% Federal / ~1.4% CA Net)The effective rate is irrelevant for Roth conversion...
View ArticlePersonal Finance (Not Investing) • Can a person relax if they see the...
I told him that it doesn’t look like interest rates are going down anytime soon and dividends are the last thing to get cut, especially among the dividend aristocrats, generally speaking. They can...
View ArticlePersonal Investments • Tech/Seminconductor Stocks
Hello all, I recently invested in a semiconductor index fund via Fidelity (FSELX to be exact). I believe semiconductors and tech in general will rise in the future, but I wanted to know what you all...
View ArticlePersonal Investments • Morgan Stanley stonewalling account transfer
Can anyone who has dealt with a similar problem offer advice?Our 12-member investment club (general partnership) has had a brokerage account at E*Trade since 1999. Last year the brokerage account...
View ArticlePersonal Investments • 401k front loading, does it really matter?
I'm also currently with an employer that doesn't have a per-paycheck cap on matching contributions, so I am also able to front-load my 401(k) without missing any employer match.With regard to my...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
The 36-hour Day to understand a family member's disease has taken over the pile which also includes A Random Walk Down Wall Street.Statistics: Posted by WinnieView1 — Tue Oct 06, 2026 10:48 pm —...
View ArticlePersonal Investments • Any tips for an opened and funded ROTH IRA for a minor?
Thank you all for your responses. Looks like the advice is to invest in the world total stock market. I compared VT, VTI, VOO and there are differences in their expense ratios as well as returns. (VTI...
View ArticlePersonal Consumer Issues • Help me understand yearly cost of a new...
Don’t forget to factor in your time spent on repairs of old clunkers.But also don't neglect to consider the lost psychological benefits you get from driving fully depreciated vehicles, both in...
View ArticlePersonal Investments • TLH Question About VTEB (Muni Bond ETF)
The difference would be $390 in your favor if you TLH at 37% vs. 24% - assuming you don't have other capital gains to offset. In other words, the $3,000 capital loss you would be declaring would save...
View ArticlePersonal Finance (Not Investing) • Roth Conversions and IRMAA limits for...
I know I've said this in other threads but as you get older and older it gets more and more difficult to thread the needle and more and more difficult to be clairvoyant for 2 years later. I simply...
View ArticlePersonal Finance (Not Investing) • 2027 FEHB Premiums/Info Released
im looking at compass rose standard as a low cost plan with decent coverage overseas.Statistics: Posted by jstert — Mon Oct 05, 2026 11:17 pm — Replies 56 — Views 3834
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
tastytrade has a new $2k bonus for $100k deposit (no IRAs, 12 month hold)Statistics: Posted by pm5987 — Mon Oct 05, 2026 11:17 pm — Replies 13522 — Views 2766232
View ArticleInvesting - Theory, News & General • Treasury Direct [and other...
ID.me seems problematc lately. I registers years ago and recall the process wasm't all that difficult. You would submit a photo ID as an image and then verify using your smart phone camera. Afterward...
View ArticlePersonal Investments • Portfolio Review
The Vanguard Target Date Retirement Funds start out 90% stock (60% domestic/40% international)/10% fixed income, gradually move to about 50%/50% at the target year (same domestic/international stock...
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