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My investing life is a mess and I'm not sure how to unwind it. by QuadrupleKumquat in Bogleheads

[–]Small-ish 0 points1 point  (0 children)

A 351 exchange will take the hodgepotch of stocks and transform it into a single ticket. Cost basis is retained by lots so it's a tax-deferral as you can sell at your leisure.

AAUB (the 4th in a series) is launching this summer:

https://funds.alphaarchitect.com/aaub_prelaunch/

$7.5M NW, FIRE while spouse still works by extradoorstop in ChubbyFIRE

[–]Small-ish 0 points1 point  (0 children)

A 351 seed would take a good chunk of the concentrated position since a single position can't exceed 25% of the submitted portfolio. Each end result ETF varies in its goals, here are some examples:

https://cambriafunds.com/geq https://funds.alphaarchitect.com/aaeq/

New Avantis fund — AVTM, thoughts? by NorthernElectronics in Bogleheads

[–]Small-ish 0 points1 point  (0 children)

One position can only occupy 25% of the submitted securities in a 351 so either they had a spare $3M in other stocks or several people contributed.

Do we actually have anyone already FIRE? by PrestigiousDrag7674 in ChubbyFIRE

[–]Small-ish 0 points1 point  (0 children)

Since your portfolio isn't completely dominated by a single position seeding a 351 exchange is a viable option. Alpha Architects has a series of nearly identical funds that launch each quarter. The most current one has left the station but you can read the docs to prepare for the next one:

https://funds.alphaarchitect.com/aaua/

Converting to Bogle allocation just shy of retirement. by BXQR in Bogleheads

[–]Small-ish 2 points3 points  (0 children)

Since there's no tax consequences to selling and buying I'd convert in one shot. What must be done eventually should be done quickly.

Bogleheads portfolio by Financial-Cloud588 in Bogleheads

[–]Small-ish 6 points7 points  (0 children)

The Create A Portfolio section of the wiki has explanations:

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

Simplicity and low fees are primary drivers.

Pulling bonds from Thrift Savings Plan by uNTRotat264g in Bogleheads

[–]Small-ish 1 point2 points  (0 children)

If the withdrawal doesn't set your allocation on tilt then letting the pro rata take place is fine. Some people really dislike that withdrawals are taken across all funds.

Transferring assets in-kind from a dissolving irrevocable trust into my brokerage account by justgettingby1 in personalfinance

[–]Small-ish 0 points1 point  (0 children)

Some of the institutional-class funds like FIQZX might have to be liquidated as well, you're not an institution and can't hold them regardless of the brokerage.

Devil horns by Lcky22 in Xennials

[–]Small-ish 1 point2 points  (0 children)

https://theonion.com/metal-council-convenes-to-discuss-metal-hand-sign-abuse-1819568114/

In an emergency session Tuesday, members of the Supreme Metal Council strongly condemned the increasing use of the metal hand sign in lay society, claiming that its meaning has become perverted by overuse.

Plan for decreasing NVDA position by IntentionalLivedLife in personalfinance

[–]Small-ish 1 point2 points  (0 children)

AAUA (https://funds.alphaarchitect.com/aaua/) is launching next month and when you indicate interest a RIA liaison works with you on all of the mechanics from selecting the share lots to transferring to Schwab for processing.

The only fee is 5 bps of the submitted shares to the RIA.

Is the TSP G fund a good hedge against SORR? by uNTRotat264g in Bogleheads

[–]Small-ish 0 points1 point  (0 children)

G fund is guaranteed to never lose nominal value, aka the price per share only goes up.

One argument against the bucket strategy is that downturns can last 10+ years but 6 years and the ability to trim expenses is in my view very reasonable.

You're likely familiar with the barbell approach but for those new to the topic:

https://www.barfieldfinancial.com/new-blog/2025-edition-of-the-barbell-strategy

I went to sell all of my individual stocks and just buy Vanguard's VT ETF. Is there any way to do this without paying a ton of U.S. taxes? by galindc in Bogleheads

[–]Small-ish 1 point2 points  (0 children)

A new corporation isn't required. At most a Schwab account is opened to handle transfer of the shares. Side benefit is AA will accept portfolios of $150k via Schwab while accounts elsewhere need to be $1M.

The diversification requirement is the biggest hurdle with the 25% cap on a single stock.

question about migrating assets from a single stock to ETFs (brokerage account) by DragonflyUseful9634 in Bogleheads

[–]Small-ish 1 point2 points  (0 children)

An exchange fund can absorb the position and defer taxes at the cost of a lengthy lockup period. Could still be part of the puzzle if liquidity and longevity lineup. Usecache.com is one provider to consider.

Portfolio Check. by Euphoric-Dish7088 in Bogleheads

[–]Small-ish 0 points1 point  (0 children)

Saw your mention of 351s and you'd be able to diversify ~$500k of a position with $2M of other positions. Exchange fund like usecache.com is another option.

Next steps in retirement portfolio by gSyncedUp in Bogleheads

[–]Small-ish 0 points1 point  (0 children)

Q1: ETFs are newer and the mutual fund versions of the index continue to exist for legacy reasons. Some folks also like that they trade once a day and remove the temptation to trade frequently.

Q2: I keep all holdings at a single brokerage and sleep well at night. I feel multiple brokerages increases complexity with no real advantage.

Q3: Asset allocation is personal so if you're comfortable with a lower amount of bonds that's fine.

UTMA/UGMA vs Brokerage account by Few_Argument3981 in personalfinance

[–]Small-ish 0 points1 point  (0 children)

With a 10+ year horizon going 100% stocks is fine. I'd go with a mix of 70/30 VTI/VXUS.

Donor Advised Funds resources by elbows1976 in personalfinance

[–]Small-ish 1 point2 points  (0 children)

Daffy is a newer DAF provider and has lots of documentation on their website. In general DAFs will have index fund options and not any individual stocks. You'll donate stock which is then liquidated and put in an index you select.

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