Adam, I'd be interested in knowing the returns AFTER taxes and fees. Is it the typical hedgefund fee structure? Is he passing a lot of capital gains on to his shareholders? This info would be helpful. Thanks
Dick, I've been confused on the healthcare "cuts":. Can you be more specific on what is being cut? I thought the only cut involved having to work 80 hours a month or volunteering 80 hours a month to keep benefits. I further heard a congressman state that $20 billion was earmarked for rural hospitals as an extra. Perhaps slowing the rate of increase is the issue....but we're still spending more. Thanks in advance for your response.
To me, Adam, history suggests it will LIKELY go the other way. And although implied in your article let me state that just about every technoloical breakthrough increases our standard of living...often dramtaically. At least from a jobs point; I'm not a bit worried about the AI impact.
Jonathan, Are you sure paying ordinary income tax rates on annuity withdrawls and the extra .25% annuity charge ( on top of fund expenses) is better than just opening a taxable brokerage account with really low cost index funds and capital gai tax treatment isn't a better choice?
Norm, you could go back to the old standard deduction ( and itemize those losses) but, in the end, I suspect you'd actually pay more tax in that situation. The higher standard deduction is a good deal for the vast majority.
Good article, Adam. I get so tired of those pundits saying "now is the time for a stock picker". Has anyone ever heard these guys say.." now is the time to just buy the index because everything is going up" ?>
If I could get a rock solid REAL RATE of RETURN of 3% with no risk I'd put everything I had into it at my age. That's worth a little hassle although, I'm here to tell you, I had absolutley none. I even talked to Treasury Direct people ( no wqaiting) and they were very helpful. If I'm not alive when my I Bonds mature, my heirs know the dates of maturity and which bank account they will find the proceeds on that date. These 3% fixed I Bonds have averages over 6% for 25 years with zero risk/fluctuation.
Doug, I wouldn't be tweaking it. I try to keep a consistent intermediate term duration ( 4-6) years, investment grade bond fund and let the monthly re-invested interest rates "tweak" whatever's going on with interest rates. Too much uncertainty right now plus timing interest rates is about as difficult as timing stocks.
Ken, Sorry to hear you cashed in your I Bonds that have a 3% fixed rate. Those bonds will likely be paying close to 6% for the 6 months beginning May 1st. A 6% no risk rate is incredibly good. If you were worrying about cashing in those bonds you could have just entered them in Treasury Direct. By doing that Treasury will automatically cash them in at maturity and deposit the money in your bank account. You can even designate the amount of Federal tax you want withheld ( no state tax).
Comments
Adam, I'd be interested in knowing the returns AFTER taxes and fees. Is it the typical hedgefund fee structure? Is he passing a lot of capital gains on to his shareholders? This info would be helpful. Thanks
Post: How to Beat the Market
Link to comment from August 23, 2025
Dick, I've been confused on the healthcare "cuts":. Can you be more specific on what is being cut? I thought the only cut involved having to work 80 hours a month or volunteering 80 hours a month to keep benefits. I further heard a congressman state that $20 billion was earmarked for rural hospitals as an extra. Perhaps slowing the rate of increase is the issue....but we're still spending more. Thanks in advance for your response.
Post: One Big Beautiful Act: Tax Breakdown and Planning Strategies
Link to comment from August 16, 2025
To me, Adam, history suggests it will LIKELY go the other way. And although implied in your article let me state that just about every technoloical breakthrough increases our standard of living...often dramtaically. At least from a jobs point; I'm not a bit worried about the AI impact.
Post: The Jevons Paradox
Link to comment from June 28, 2025
Jonathan, Are you sure paying ordinary income tax rates on annuity withdrawls and the extra .25% annuity charge ( on top of fund expenses) is better than just opening a taxable brokerage account with really low cost index funds and capital gai tax treatment isn't a better choice?
Post: When They’re 64
Link to comment from May 17, 2025
Norm, you could go back to the old standard deduction ( and itemize those losses) but, in the end, I suspect you'd actually pay more tax in that situation. The higher standard deduction is a good deal for the vast majority.
Post: Taxing Situations
Link to comment from April 28, 2025
Good article, Adam. I get so tired of those pundits saying "now is the time for a stock picker". Has anyone ever heard these guys say.." now is the time to just buy the index because everything is going up" ?>
Post: School Is In
Link to comment from April 19, 2025
If I could get a rock solid REAL RATE of RETURN of 3% with no risk I'd put everything I had into it at my age. That's worth a little hassle although, I'm here to tell you, I had absolutley none. I even talked to Treasury Direct people ( no wqaiting) and they were very helpful. If I'm not alive when my I Bonds mature, my heirs know the dates of maturity and which bank account they will find the proceeds on that date. These 3% fixed I Bonds have averages over 6% for 25 years with zero risk/fluctuation.
Post: First Quarter 2025
Link to comment from April 12, 2025
Doug, I wouldn't be tweaking it. I try to keep a consistent intermediate term duration ( 4-6) years, investment grade bond fund and let the monthly re-invested interest rates "tweak" whatever's going on with interest rates. Too much uncertainty right now plus timing interest rates is about as difficult as timing stocks.
Post: First Quarter 2025
Link to comment from April 12, 2025
Ken, Sorry to hear you cashed in your I Bonds that have a 3% fixed rate. Those bonds will likely be paying close to 6% for the 6 months beginning May 1st. A 6% no risk rate is incredibly good. If you were worrying about cashing in those bonds you could have just entered them in Treasury Direct. By doing that Treasury will automatically cash them in at maturity and deposit the money in your bank account. You can even designate the amount of Federal tax you want withheld ( no state tax).
Post: First Quarter 2025
Link to comment from April 12, 2025