Our portfolio I treat as one big pot of money. Harry Sit, the Finance Buff, had a great idea that you can do most rebalancing in a big traditional IRA. I'm implementing that strategy by rolling over both of my 401(k)s to that IRA. It will contain almost all our bonds and cash and whatever stocks don't fit in taxable, Roth, and HSAs.
Florida is wasting my taxes on charter schools run by donors to the politicians. Public schools are called that for a reason. Now they're forcing public schools to give charter schools space for free.
I prefer ETFs. Lower expense ratios, more precise tax loss harvesting. I like to watch my portfolio move during the trading day. And I can buy Vanguard ETFs at Fidelity and Schwab for no fee.
Comments
I think you just like to feel superior to those you're trying to educate.
Post: Seniors are a frustrating lot. Here’s why…IMO
Link to comment from October 29, 2025
Our portfolio I treat as one big pot of money. Harry Sit, the Finance Buff, had a great idea that you can do most rebalancing in a big traditional IRA. I'm implementing that strategy by rolling over both of my 401(k)s to that IRA. It will contain almost all our bonds and cash and whatever stocks don't fit in taxable, Roth, and HSAs.
Post: How do Couples Rebalance with Multiple Accounts
Link to comment from October 29, 2025
Answered on the other thread; I do 5% absolute or 20% relative, whichever is smaller.
Post: How do Couples Rebalance with Multiple Accounts
Link to comment from October 29, 2025
What happens if one of you runs out of money?
Post: How do Couples Rebalance with Multiple Accounts
Link to comment from October 29, 2025
I haven't thought about RMDs either with my wife 18 months younger. That sounds like an Optimizer 😄
Post: How do Couples Rebalance with Multiple Accounts
Link to comment from October 29, 2025
Florida is wasting my taxes on charter schools run by donors to the politicians. Public schools are called that for a reason. Now they're forcing public schools to give charter schools space for free.
Post: Public Schools and Property Taxes
Link to comment from October 29, 2025
5% absolute or 20% relative, whichever is lower.
Post: I don’t know. Or care. But I will at the end of April.
Link to comment from October 29, 2025
They use the dual share class structure formerly patented by Vanguard to flush out the capital gains through the ETF share class.
Post: Mutual Funds Vs. ETFs Which do you prefer and Why?
Link to comment from October 25, 2025
I prefer ETFs. Lower expense ratios, more precise tax loss harvesting. I like to watch my portfolio move during the trading day. And I can buy Vanguard ETFs at Fidelity and Schwab for no fee.
Post: Mutual Funds Vs. ETFs Which do you prefer and Why?
Link to comment from October 25, 2025
The more I collect, the more I can spend or give away.
Post: Social Security subject beaten to death, but one more time please
Link to comment from October 25, 2025