We have 1.3 mil net worth, and we just got $206k that we don’t owe taxes on. Was thinking to use all of it to buy VOO or VTI… or a mix of both.

We already have both fully maxed out 401k and both of us have Roth IRAs.

We have also thought about buying an investment property.

Thoughts?

After seeing Vanguard and Fidelity don’t have the fees Acorns does and has more freedom I’m considering moving over, but I do like the simplicity of a portfolio and I’ve heard investing in Vanguard VT is a good way to invest easily. Would investing purely in Vanguard VT be a wise/better option for simplicity’s sake? I make diversify more as I learn more but just want to know what is safe and effective before I make the switch.

Are there any good reasons not to convert my (EX) employer 401k account to an IRA?

I have $100,000+ in funds that I’d like to keep in Money Market accounts for some time. I have a self directed JP Morgan account, and I’m thinking of spreading it over 3 accounts.

Do I need to do this, or is 1 more sensible considering it’s only MM.

Does it matter which funds I buy into using JP Morgan? Or should I not over think it and go with a Vanguard, Fidelity and JP?

Hi, is someone here investing in the Amundi Leveraged MSCI World (A0X8ZS)? This is a 2x leveraged US index.

If yes, what are your experiences? Would you recommend investing in this ETF?

If no, why not?

And: are you using the 200 moving average strategy in case you’re invested in this EtF?

Seeing the performance of the stock, it's gone down by like 20% this year, which isn't great. But the discount seems too good to pass-up on IF the company ends up performing well. Even if it stays the same value, that's a potential 10%+ gain already. Thoughts?

I would like to swap FTHRX for a fund or ETF with a lower ER (it's 0.44%). However, there does not seem to be a similar Fidelity index fund and the closest Vanguard fund (VBILX) has a $100 transaction fee. Any recommendations? My current portfolio is 2% bonds but I want to get to at least 10%.

basically Im looking for advice if it would make sense to use the robot advisor to reduce their involvement entirely. Or have them actively contribute and rebalance a Boglehead portfolio. The majority of their retirement is in real estate, they own a few commercial properties and their home and cars without debt. This is likely their primary source of income for retirement, but there is a risk of vacancy. He does't like the idea of investing the more conservative portfolio options, my mother prefers a more conservative portfolio due to my dad's significant losses picking crapy stocks. They are very lucky to have invested in real estate and successful own businesses, if they only invested in stocks yikes

What is your international exposure% in your portfolio?

View Poll

Early 30s with ~5% in bonds with overfunded retirement savings equal to approximately 6x my salary. This is less than the recommended bond allocation, which is generally anywhere from 20% to 50%. I know it's a function of time/risk but if the guaranteed income from bonds provides adequate income in/for retirement, then wouldn't the downside risk of equities be irrelevant if my time horizon is basically infinity?

Hi all! Quick question for those who have been in this situation in the past. I can’t seem to find the answer on Google.

I had previously rolled a couple 401ks from prior jobs into an IRA at Vanguard. After a couple years, I realized this was preventing me from taking advantage of the backdoor Roth without triggering the pro rata taxes. This year, I finally got around to rolling the IRA back into my employer sponsored 401k. I now no longer have a balance in my IRA.

Can I take advantage of the backdoor Roth this year without triggering the pro rata rule? Or should I wait until next year to avoid any confusion as to the IRA amount. Put another way: Is the pro rata rule a point in time test, or does it measure across the full tax year?

Thanks so much! I love this sub (and would love a recommendation to a flat fee tax advisor as well - I recognize this is a better question for them)

Looking specifically for 2055 TDFs. Doesn't seem to be a popular trend among TDFs. Only one I've found so far is FDEWX. Are there more?

is there any reason to target a mix vs all in a roth so i can enjoy income tax free returns in retirement? Thanks!

Curious of your thoughts. Especially the Ben Felix crowd. Is it just a fad???

https://earlyretirementnow.com/2024/12/02/small-cap-value-stocks-diversification-or-diworsefication/

Wife and I are early-mid 30s. We max 401ks and back door Roth IRAs each year. Have 50k a year leftover to put into a brokerage. Investment plan is the following:

401ks and Roth IRAs: 100% 2065 vanguard TDF Brokerage: planning to do 60% VTI and 40% VEA

I like to play around with individual stocks in brokerage but I keep it below 3k a year in this, just to have some fun and keep it from temptation of straying from my Bogle beliefs.

Eventually will add bonds to brokerage as we get closer to retirement.

Am I missing anything or overlooking something in my plan? Thanks.

My husband and I are in our forties and haven’t saved for our, or our daughters, future. This inheritance is our opportunity to start doing so, how can we best do so?

Yesterday I received an updated policy from my credit card company notifying me that their regular annual percentage rate (APR) is now 31.15%. That rate is a reminder my emergency fund isn't an opportunity cost, it's predatory lending insurance.

I'm currently holding a seven month emergency fund, maybe pushing it to twelve months isn't such a bad idea.

Australian here investing through CMC Markets, I also plan to Swing-Trade but want long term investments to grow over time. I want to invest a little bit domestically and internationally (primarily US) with one index that tracks the S&P 500. The current list is as follows:

VOO:US

VTI:US

VGS

VAS

VDHG

I want a mixture of risk to reward alongside both fast and steady growers. I feel like this is a bit too many funds that may just be doing the same thing so I just want more opinions to help decide please.

Current situation: 45yrs old, Own my own business, setup as a S-corp. No employees.

Business profit is approx 250-300k yearly. This is before paying myself via payroll 100k.

Just starting to make good money now. Want to put as much money as I can afford into retirement as I would like to retire or at least greatly slow down in 15years.

I have 100k invested in wealthfront with mostly Vanguard ETFs and also have a sep ira with them.

My CPA advised that I open a solo401k to reduce my business tax burden this year. Advised I put 40k in it. Ended up having Broad Financial setup the solo401k with checkbook control as it seemed easiest. Setup a bank in the name of the trust.

I know this type of solo401k lets me invest in alternative investments but right now, I would rather just invest into an ETF. Not sure how to proceed? Any suggestions greatly appreciated.!!

Additional questions -

I see you can't withdrawl before 59.5 without penalties or take a loan without paying interest. But how does that actually work? Wouldn't I just be taking the funds out of the trust checking account that I control? If so, then who is charging me penalties/interest? The bank doesn't handle that.

What type of accounts should I open at the brokerage to put my money into? Starting with 40k for now. Does it make sense to transfer additional money from my wealthfront account to this new solo401k?

Hello, recently have recently came into light of the boglehead method. I quite like it and seeing my current portfolio underperform (3 - 5 % of the market) I would like to take the boglehead method and go all in S@P 500. For both simplicity and be the market easy sake.

Any insights would be appreciated. I do understand there are no tax liabilites within a roth ira. Current concerns/Questions;

- Tax concerns of liquidating postions (I believe my long term cap rate is 0%, as total gross income is less than 44k) From IRS below https://www.irs.gov/taxtopics/tc409

- Have taken my AMD position of 100 shares to 41 shares. Starting selling at record highs, 220. The rest is all house's money. (All long term positions, since 2018)) Looking to let it ride (I do believe in the industry and Lisu Su's Leadership)

- Am I good to go in just liquidating everything and placing a lump sump into the S@P 500? I feel as if I am but concerned on the potential tax liability, never the less it would be less than 1000 at a .15 rate)

- I do plan to continue maxing roth ira and putting up to contribution match on future job 401k.

- Looking for the go ahead approval to liquidate

https://preview.redd.it/y441qestrc4e1.png?width=857&format=png&auto=webp&s=5a991ba17afb32eda77ca7d85c7f25be0850e4b6

Current Positions:

MSFT (roth ira): Market Value $4,000, Cost Basis: $2,500

MSFT (taxable brokerage) Market Value $7700, Cost Basis 5000

AMD (tax brokerage) Market Value 5600, CB 3400

AAPL (roth ira) MV 4350, CB 2467

NVDA (Tax brok) MV 1400 CB 1000

SWPPX (tax brok) MV 26000 , CB 20000

SWPPX (roth ira) MV 24000, 20000

Total MV 73k + 2k cash

When selecting ETFs, at what point would it just make sense to buy something like VTI vs SCHD/SCHG combo?

Hello all. In my taxable brokerage I'm currently all in on VTI however I was thinking of adding QQQM, SOXQ, and IHI. How would you recommend allocating these? Should I just stick with VTI and add these etfs to my roth to experiment?

I've opened Traditional and Roth IRA accounts with Fidelity in October and deposited $7k into Traditional IRA. Since it is a new account, Fidelity didn't let me transfer the amount to Roth IRA account till November 15.

While sitting in the money market account, my Traditional IRA has grown to $7008.56. I transferred the entire $7008.56 to Roth IRA and Trad IRA balance was $0

Fast forward to today, I've received dividend for the fidelity government money market SPAXX for $15.07 in Trad IRA on November 29. What should I do next? What would the tax implications be?

A quick search showed they deal with student loans, but I'm interested from an investor standpoint. Something like a 10% return with no risk? Sounds too good to be true, but figured I'd ask about it.

am I screwed should I pull out of my positions and hold cash ?

https://preview.redd.it/dm1dycpttc4e1.png?width=260&format=png&auto=webp&s=70afc0e4a56ae2ef858d489168ffc7a9c3195970

I opened a Fidelity brokerage sometime last week since I have other accounts with Fidelity. Currently, I am contributing to FXAIX and FSKAX (mostly in FXAIX). I’ve already made about $400 in gains in a week. I’m relatively new to a brokerage account and investing in general.

After researching, I think i change to change my portfolio. I want to change FXAIX and FSKSX (apparently they are almost the same) to VOO and maybe 1-2 portfolios im not sure yet (but definitely would love to change FSKAX if i can it it's reasonable) . How much would I be penalize for this? Again, i had just opened this up not too long ago (it would be a different story if i had this for a while) and didnt make a significant profit and feel VOO would be better in the long run

I have a few questions regarding SIPC insurance in Vanguard brokerage accounts. Hope some who are knowledgeable about it here can help answer them.

All of the questions below assume that I have $300K in Vanguard brokerage accounts in the VMFXX (Vanguard Federal Money Market) fund and some additional amount, say, $50K invested in VTI.

1. $250K in VMFXX is insured by SIPC and up to $500K in stock investments are insured by SIPC (meaning the $50K in VTI is separately insured via SIPC) Is this understanding correct?

2. Is SIPC insurance per depositor or per brokerage account? In other words, if I have $300K in VMFXX and if SIPC is only for $250K per depositor, should I transfer $50K from $300K to another institution’s VMFXX equivalent fund (e.g., Fidelity’s FDRXX or something similar)?

These questions are what came to my mind after reading https://investor.vanguard.com/investor-resources-education/article/sipc-vs-fdic-insurance Thank you in advance for the answers.

I opened a Fidelity brokerage sometime last week since I have other accounts with Fidelity. Currently, I am contributing to FXAIX and FSKAX (mostly in FXAIX). I’ve already made about $400 in gains in a week..wow! I’m relatively new to a brokerage account and investing in general.

However, after doing some more research online, it seems that it is recommended to have an ETF in a brokerage account. So I’m debating about adding in VOO. Should I go ahead and trade in FXAIX for VOO?

The Fidelity rep said because it’s been less than 30 days there will be no fees. However, I would have to pay capital gains which he estimated to be around maybe $50. Is it worth it to change over to VOO?

I already have a Roth, HSA, and employee 401(k) that tracks the S&P 500