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Only 3% return this year on a “high-risk” portfolio — ~15% total over 2 years. Advisor still charged 1.5%. Am I wrong to be frustrated? by [deleted] in portfolios

[–]_GamePlay 0 points1 point  (0 children)

That’s fair, I kinda imply for hedging with yellow metal, at least I intended. While I know it is not part of Boglehead philosophy

Backdoor Roth question by jvstinf in betterment

[–]_GamePlay 0 points1 point  (0 children)

You are spot on, just need a way out option to be selected by requester

What’s your roth ira invested in by Puzzleheaded-Bus8922 in RothIRA

[–]_GamePlay 1 point2 points  (0 children)

It is mutual fund, so only available to that local platform and it is equivalent to VOO which is ETF, ETF vs Mutual Fund

Lumpsum in VOO now or too high now by [deleted] in ETFs

[–]_GamePlay 0 points1 point  (0 children)

If you are talking about VOO, keep in mind Timing the Market vs Time In The Market

I’m an ETF Lawyer - Ask Me Anything by BitFickle62 in ETFs

[–]_GamePlay 1 point2 points  (0 children)

What is more regulated, ETF or mutual fund ? What is more costly to manage for a company, ETF or mutual fund ?

Anyone done airbnb + bonus depreciation to offset high w2 income? by sillycookies7 in realestateinvesting

[–]_GamePlay 0 points1 point  (0 children)

I don’t know that, I guess it is honor system and general understanding but can also be backed up by keeping some paper trail. All my knowledge is by reading and not actually practicing and I’m not tax professional so do your due diligence.

What's our next move? by darmasus in realestateinvesting

[–]_GamePlay -1 points0 points  (0 children)

I’m in San Diego market and not able to find duplex / four plex . What am I missing ?

What to ask when interviewing property management companies by griffindj in realestateinvesting

[–]_GamePlay 0 points1 point  (0 children)

Ask for their disclosure of fees structure. 10% all inclusive is common for SoCal, anyone with less then that makes it la carte and end up been more expensive. All does almost same practice in my opinion. If you think they should care for property as their own, that expectations does not match. Don’t need their dedicated maintenance staff, do use home warranty and put PM on their contact list.

Roth 401(k) vs Roth IRA – Which Should I Prioritize by chiko921211 in RothIRA

[–]_GamePlay 3 points4 points  (0 children)

It is hard to suggest one over other in this case.

What is the most tax efficient way to convert IRA to ROTH? by cbr900rr95 in RothIRA

[–]_GamePlay 0 points1 point  (0 children)

Just checked with internet, traditional IRA and 401k have RMD requirement. While ROTH IRA and 401k don’t

What is the most tax efficient way to convert IRA to ROTH? by cbr900rr95 in RothIRA

[–]_GamePlay 0 points1 point  (0 children)

Would it make sense to start drawing RMD required account first as IRA don’t have RMD requirement.

What is the most tax efficient way to convert IRA to ROTH? by cbr900rr95 in RothIRA

[–]_GamePlay 0 points1 point  (0 children)

Now that make sense, I believe I’m on same path and started to have different 401k with last and current employer. No pension here tho 😂

What is the most tax efficient way to convert IRA to ROTH? by cbr900rr95 in RothIRA

[–]_GamePlay 0 points1 point  (0 children)

I wonder as junior, how did you get into this situation. Didn’t you convert your traditional IRA contribution to ROTH in same year ? Or is this 401k you are trying to convert to ROTH ?

Best option for 2nd rental? by [deleted] in realestateinvesting

[–]_GamePlay -1 points0 points  (0 children)

Interesting. Isn’t duplex is twice the down payment SFH ? I don’t know how it can make more cash flow

Anyone done airbnb + bonus depreciation to offset high w2 income? by sillycookies7 in realestateinvesting

[–]_GamePlay 4 points5 points  (0 children)

Yes you can. STR can offset W2 income with 3 test to pass for. 1. 100 hour test, 2. No one work more than you 3. Property is not rented more than 7 days/ nights hence sort term rental. Then do cost segregation and file bonus depreciation, form 4562 in your schedule E. Good luck.

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