Investing - Theory, News & General • Re: Annuity vs. 72(t) bridge to 59½:...
there is elegance in simplicity. my wife is younger, is not native to our shores and i don’t want to burden her with complexity after i die. i too have looked at such things as tips ladders and 72(t)...
View ArticleInvesting - Theory, News & General • Re: Muni Bonds When Calculating Tax...
I’ve typically discounted my taxable account by 20% Perhaps correct, but only if your cost basis is zero.Statistics: Posted by Thesaints — Mon Oct 19, 2026 11:16 pm
View ArticleInvesting - Theory, News & General • Re: A Safe Withdrawal Method?
What is magic about the five year period?There is no magic per se, rather it's a way, admittedly arbitrary, of smoothing out really good and bad years. Of course, it wouldn't prevent something like...
View ArticleInvesting - Theory, News & General • Re: STIP and dividend payout
When Vanguard had to adjust for a negative quarterly dividend, they reclassified part of the previous quarter's dividend as a return of capital, in order to make the annual tax treatment correct....
View ArticleInvesting - Theory, News & General • Re: "TIPS: Safer Than They...
The bond one is interesting because there may be a difference between how people use individual bonds vs bond funds.With individual bonds, it's behaviorally easy to ignore market value volatility...
View ArticleInvesting - Theory, News & General • Re: What's Been The Best [Financial]...
Leaving Edward Jones 6 years ago. Adopting a mostly Boglehead portfolio. Icing on the cake was recently realizing I would be paying my EJ “advisor” approximately 15-20k per year to maybe, match market...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
One thing I noticed (at least for our state), is that the MassMutual (Premier Voyage, up to 7 years) offerings at Fidelity (Stable Voyage) differ (lower rates, shorter periods - 5 years max) than the...
View ArticleInvesting - Theory, News & General • Re: Vanguard Bringing Back Flagship...
This seems new - Vanguard will now reimburse other firms' transfer fees.https://personal1.vanguard.com/pdf/vtfr.pdfBut this bit seems dumb:If a reimbursement is made to an IRA, Vanguard will report it...
View ArticleInvesting - Theory, News & General • Re: No equities allow higher...
Mom has LTCi which makes it much easier for Mom to insist that the kids do not get too involved in Moms choice to use a facility or home care aids rather than have the kids themselves become a larger...
View ArticleInvesting - Theory, News & General • Re: DFA [Dimensional Fund Advisors]...
FYI, Eric Balchunas (Bloomberg) makes the case for J.P. Morgan as a logical suitor for DFA: https://x.com/EricBalchunas/status/2062582865791959390J.P. Morgan is currently advertising their wealth...
View ArticleInvesting - Theory, News & General • Re: TIAA Real Estate Surges
Then at the end of each quarter appraisals are done and that explains the large moves at those times.No, my understanding is that every week a handful of properties are appraised. But each property is...
View ArticleInvesting - Theory, News & General • Re: PE and the overall market
The fascinating thing about indexing is how difficult it is to beat this deeply flawed strategy. Bogle’s original detractors were very intelligent people with good arguments, just as modern detractors...
View ArticleInvesting - Theory, News & General • Re: 3 questions about your Burn rate
Are you saying that for a retired couple, your normal spending is $50k? Isn't that rather low? Would you mind breaking it up into categories?Lots of people spend less. Lots of people spend more. You'd...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
I read my documents and the free look period is 10 days and not 30 (30 days is only for a reissue, but this one was new). It was unclear if that was business days or calendar days. So I called...
View ArticleInvesting - Theory, News & General • Re: Long term TIPS real yield at 3%
Literally, every single TIPS fund purchase I've ever made currently has negative gains.Same.I started building my ladder in 2022 and built the bulk of it in 2023. I have just been padding it , and...
View ArticleInvesting - Theory, News & General • Re: Is short-term treasuries with...
Saving .03% isn't unlike credit card rewards. Easy money.If coupon interest is to be reinvested, then the lost return from delays in reinvesting coupon interest in the DIY ladder will exceed .03%. A...
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Investing - Theory, News & General • Re: What's up (or down) with TIPS?
The next TIPS auction is not a reopening. It's a new issue maturing Oct 2031I don't understand the fascination with auctions. Unless you specifically want a TIPS maturing in October of 2031, there are...
View ArticleInvesting - Theory, News & General • Re: Bond Bear Market?
Best time to buy into bond funds in decades. The NAV are at historic lows and yields are at decades highs. Rejoice.the thing about bond bear markets is that you can wait a few months and get even...
View ArticleInvesting - Theory, News & General • Re: 80% stocks and 20% cash is...
[rant]Maybe the people who are shocked, surprised and dismayed are those who are no longer long term investors (e.g. retirees, decumulators) who were lead to believe that bonds, particularly the...
View ArticleInvesting - Theory, News & General • Re: What does the Warren Buffett...
I hate to present evidence against my own firm beliefs, but I did find a posting that contains what people have cited as evidence that Warren Buffett meant it to be general advice:Here.After talking...
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