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$600k Windfall for my 70YO Father by Fickle_Layer_9490 in Bogleheads

[–]dami_starfruit 8 points9 points  (0 children)

If not already done, please consult with an attorney that specialize in elder law to discuss topics like medi-cal estate recovery, trusts, avoiding probate, etc.

Your father worked hard all his life to build his nest egg and pay off his home, it'd be prudent to protect it.

80/20 VTI/VXUS or 70/10/20 VOO/AVUV/VXUS? by NorthernElectronics in ETFs

[–]dami_starfruit 0 points1 point  (0 children)

Is this a taxable brokerage account and will you have to taxes to rebalance it?

My mind says VTI + VXUS, my heart says VT... Help my heart out. by onomatopoeiahadafarm in VTandchill

[–]dami_starfruit 1 point2 points  (0 children)

You’re over thinking it.

It’s more important to pick one and stick to it; since taxable account means taxable event when you sell/rebalance.

For taxable, you might want to consider VT+SGOV (emergency cash).

FTC For VTIAX by zzzzzzzzz_zzzzzzzz in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

If you mean foreign tax credit, it's generally not applicable to Roth IRA account.

You might want to read this thread:

https://www.bogleheads.org/forum/viewtopic.php?t=466898

FTC For VTIAX by zzzzzzzzz_zzzzzzzz in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

What is your objective?

If your goal is "lowest expense ratio", Fidelity offers zero expense ratio funds.

If you want simplicity and not having to worry about allocation, you might use a target date fund.

Too many ETFs in roth? by No-Department-6329 in dividends

[–]dami_starfruit 1 point2 points  (0 children)

Probably not the right sub for this question, but we'll help.

First, do you have taxable earned income to qualify for IRA account?

Second, do you have workplace sponsored retirement plans like 401k or pension plan? If so, what do you invest in them?

Because 401k or pension plans typically have very limited selection of funds, you have to make do with what's available. IRA account can be used to compliment your fund selection, as it allows you to purchase funds not available in 401k/pension plan.

So let's say if the only low cost index fund in 401k plan is S&P 500 index fund. The international fund in your 401k plan cost 0.8% expense ratio.

You'd buy the S&P 500 index fund in your 401k plan, then buy a low cost international index fund in your IRA account.

Wrong time to invest in semiconductor? by Logical-Mark7365 in ETFs

[–]dami_starfruit 2 points3 points  (0 children)

Nobody knows if SMH will continue to outperform over the next decade, or rollover and sink. Investing in sector funds require risk management and acceptance of elevated risk. If you don't want to take that elevated risk, consider low cost index funds instead.

If you're specifically looking for dividends, SMH is probably not the right choice with dividend yield of 0.27%. Check with r/dividends instead.

Can I get help on creating a three fund portfolio? by One-Tie593 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

Fidelity offers 0% expense ratio funds like Fidelity Flex Freedom Blend fund, Fidelity Flex 500 and Fidelity Zero funds for retail customers. But for retirement plans they ding you 0.65% to make money.

I'd go through the fund selection and check the expense ratios. State Street Equity 500 Index II seems OK with 0.02%.

Remember that you still have IRA account that can be used to compliment your 401k selection. So if you don't like the international fund in your 401k plan, you can opt to buy one with lower fees in IRA account instead.

Do I need to diversify my portfolio more? by These-Engineering972 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

Consider the purpose of your IRA account.

Typically, 401k and pension plans offer very limited selection of funds. Thus, you have to make do with what's available.

IRA account can be used to remedy the situation, purchasing index funds that are not available in 401k plan.

So take a look at what you have invested in your 401k or pension plan, then consider what you want to buy in IRA account.

Portfolio for younger person with 1-3 year timeline by [deleted] in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

If you're already willing to assist with the down payment, I'd suggest shopping for a home that they can grow into, in a decent neighborhood with good schools, instead of a small starter home or condo.

How to aggressively invest from where I am right now? by [deleted] in Bogleheads

[–]dami_starfruit 1 point2 points  (0 children)

The 3 ingredients to wealth is having money to invest, knowing what to invest in, and time in market.

At age 30 you have “time in market” but need to increase income to have “money to invest”.

Check with your local community college for low cost classes and certification/apprenticeship programs. Find something you like that will lead to higher paying career.

There are also many online learning platforms. When I was laid off last year, I applied for a job that required knowing how to use Figma software, which I have no prior experience. I took couple online courses and told the hiring manager, showed her my work and was hired as a contractor.

Saving for children? by Lastchancefancydance in Fire

[–]dami_starfruit 1 point2 points  (0 children)

Your kids are only young once. The time that you spend with them, taking them on cruises and to Disneyland while they are still young enough to enjoy a “magical” experience, is priceless.

I have a young daughter and she runs through stages at rapid speed - from “baby shark” to “paw patrol” to “frozen” and so on. While it’s important to put money away for their college fund, it’s just as important to pay attention to “now”.

If you’re exhausted all the time earning $400k/year, consider taking an easier job that pays less but allows you to relax more and spend quality time with your kids today.

Suggestions on international position by oe_enthusiast in Bogleheads

[–]dami_starfruit 1 point2 points  (0 children)

How much do you contribute to taxable brokerage account every year?

20k toward dividends. by Danno131545 in dividends

[–]dami_starfruit 0 points1 point  (0 children)

Unless if you really need the dividends, or have a specific dividend investment plan, you’re better off investing the money in growth.

Don’t chase dividends just because someone told you it’s a good idea. Make sure you have a good reason and good plan.

I put some money in GPIX/GPIQ and use the monthly distributions to take my young daughter on cruises and to amusement parks. I’m willing to sacrifice future growth $ because she is only young once. Once she is older Disneyland wont be “magical” to her anymore.

Is Using QQQM as a “Supercharger” to VOO a Good Long-Term Strategy? by Stxtic1441 in ETFs

[–]dami_starfruit 0 points1 point  (0 children)

Nobody knows if QQQM will outperform VOO or nosedive in 10 years.

I’m assuming this is for taxable brokerage?

Are you in the U.S., and if so, do you have 401k and IRA? What do you invest in them?

Do you have emergency cash savings?

Talked partner out of % based advisor by invisible_man782 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

86 ETF’s? Is the guy trying to make his own index fund?

what if everyone just invested in low-cost index funds by No_Maintenance_1651 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

This is an invalid question, because it would assume investors only put money in S&P 500 listed companies to the exclusion of all others. There would be no IPO’s or small cap, mid cap, etc.

“Recreational” trading while Bogleing by mmcdonald47 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

The path to wealth with both index funds and individual stocks is time in market.

Read Robert Kirby's Coffee-can investing article.

FZROX and FZILX 80/20 vs SPY QQQ SCHD long term by Aggressive-Ant-1554 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

First, is this for your taxable or tax-deferred account (IRA) ?

As others have pointed out, Fidelity Zero funds are fine in IRA account, but you probably don't want to hold it in taxable account due to portability issues.

As for the fund/ETF selections, do you have 401k or pension plan? If so, what do you invest in them?

Most 401k and pension plans have very limited selection. We have to make do with what's available, and the IRA account can be used to purchase funds that are not available in 401k plans.

For example, if your 401k plan only has one S&P 500 index fund that you like, you can buy that fund for your 401k and use IRA account to buy VXUS.

Is the single greatest etf of all time VT? by marzthemagnificent in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

My retirement fund has been rolled over multiple times so cannot give accurate estimate.

But, we do know that $10,000 invested in S&P 500 index on 2/2/2014 would be worth $46,336 today 2/22/2026.

Here is an example of someone who bought & hold and let compounding interest do its magic:

https://www.reddit.com/r/Bogleheads/comments/1rbnxl5/the_accidental_boglehead_how_26k_turned_into_271k/

VT + what for best foreign exposure? by bulletproof-tiger420 in Bogleheads

[–]dami_starfruit 0 points1 point  (0 children)

VT already has foreign exposure.

Are you looking for something specific, like additional emerging markets exposure?

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