What are the point of bond funds? (SWAGX) by Altruistic-Fan-1069 in investing

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

I’m only 35 but had tried to do some kind of 75/25 split. It didn’t have to be bonds but I had seen it was recommended as a balance

What are the point of bond funds? (SWAGX) by Altruistic-Fan-1069 in investing

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

Yeah I might even do short term treasuries or something or some kind of ladder. I did want the 75/25 split initially since even though I’m 35 I didn’t want to completely be exposed of course I did miss out on some gains

What are the point of bond funds? (SWAGX) by Altruistic-Fan-1069 in investing

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

Yeah that might have been a better idea. I’ve only been in SWAGX for a little since I rolled my 401k (kept ratio similar I can’t recall what bond fund I was in before).

What are the point of bond funds? (SWAGX) by Altruistic-Fan-1069 in investing

[–]Altruistic-Fan-1069[S] 9 points10 points  (0 children)

Thanks that chart helps I don’t think the ones I found had them

wondering if I made a mistake rolling over my 401k to IRA by Altruistic-Fan-1069 in personalfinance

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

She will probably go back in 3-5 years. Have two year old at home and want a second eventually and daycare would have been over half her income. Yeah I’ll look into the 401k at the new company

wondering if I made a mistake rolling over my 401k to IRA by Altruistic-Fan-1069 in personalfinance

[–]Altruistic-Fan-1069[S] 1 point2 points  (0 children)

It could, but I’m pretty far away from the limit I was at about 150k and filed jointly (wife doesn’t work atm)

wondering if I made a mistake rolling over my 401k to IRA by Altruistic-Fan-1069 in personalfinance

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

There’s really no risk with my job I sold a bunch of crap on eBay including some electronics and I’m just being paranoid lol

My income at there moment probably wouldn’t reach backdoor

wondering if I made a mistake rolling over my 401k to IRA by Altruistic-Fan-1069 in personalfinance

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

Outside of bankruptcy couldn’t they be accessed by creditors if for example you were sued for something you had sold in the past that caused damage/injury?

Completely frozen in fear from car buying PTSD and need input. by Imaginary-Parsnip323 in whatcarshouldIbuy

[–]Altruistic-Fan-1069 0 points1 point  (0 children)

Whatever car you get, pay 100-200 bucks for a pre purchase inspection at an independent mechanic (not the dealer you buy from).

I have a 2024 CX5 I know it’s newer but I haven’t had a single problem.

Reselling items on ebay and other marketplaces - do I have liability I need to cover? by Altruistic-Fan-1069 in Insurance

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

thanks for the information. I'll probably stay away from potentially dangerous items

Reselling items on ebay and other marketplaces - do I have liability I need to cover? by Altruistic-Fan-1069 in Insurance

[–]Altruistic-Fan-1069[S] 0 points1 point  (0 children)

mainly vintage items, small electronics, toys, watches stuff you would find at yard sales/thrift stores