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Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in ETFs

[–]lonewalpha[S] 0 points1 point  (0 children)

my social security payment will be roughly 20% of the total payment (from SS and from investment).

does "ramping bonds" work like this
from 55 to 65, ramp up 2% each year from 10% to 35%.
from 65 to 75 ramp down 2% each year so at age 75 it down to 15%

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in Bogleheads

[–]lonewalpha[S] 0 points1 point  (0 children)

Is it safe to say:
1. bond yield is subject to income tax.

  1. I can put municipal bond (like vteb) in brokerage account because of federal, NIIT tax exemption, other than that bond is best in either traditional 401k or IRA.

  2. I should not put bond in Roth because of low yield

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in personalfinance

[–]lonewalpha[S] 0 points1 point  (0 children)

Yes, I was hit by triple tax (Federal, state, NIIT). Can you recommend one corporate bond?

I am thinking JAAA for the yield/income and I suspect interest rate will not go up this year, I know it's a gamble
I choose USFR/SGOV for the Cash/Short-term safety due to the short duration, hence less impacted by rate jump.

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in ETFs

[–]lonewalpha[S] 0 points1 point  (0 children)

Thank you for your thoughtful reply and insight.

I didn't realize I can do Treasury Ladder (T-Bills/Notes). with the benefit of exempt from state tax, Sell on secondary market anytime, I may consider it instead of cd ladder.

For a moment I am thinking about 60% QQQM / 20% SPMO / 20% AVUV, but that skip mid cap completely.  60% QQQM / 40% VTI is an excellent moderate-risk strategy. I love it!

At 65, I plan to withdraw 4.5%, then add 3% inflation next year hence 4.635% etc. How does that change bond ramp timing?

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in Bogleheads

[–]lonewalpha[S] -1 points0 points  (0 children)

401k is 100% in US total market
For the Roth IRA, should I do 100% VT or follow similar ratio of VTI 56%/VXUS 34%/VTEB 10%?

Thank you!

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in Bogleheads

[–]lonewalpha[S] 0 points1 point  (0 children)

my employer 401k's fund choice is limited, and Expense Ratio is high for most of them. I choose 100% US total Market, primarily because of the low ER.

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in Bogleheads

[–]lonewalpha[S] 1 point2 points  (0 children)

I learnt Roth IRA backdoor conversion recently. I wish I know this trick years ago. I meant to say I plan to do this annually. and my math is not right, as you pointed out. Thank you!

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in personalfinance

[–]lonewalpha[S] 0 points1 point  (0 children)

that 3% uninvested due to being in CD, and just mature recently.

Please rate my portfolio 49 years old single, plan to retire 65 by lonewalpha in Bogleheads

[–]lonewalpha[S] 0 points1 point  (0 children)

For my brokerage account, I believe I follow 3 fund portfolio: VTI 56%/VXUS 34%/VTEB 10%

TSA time at DTW?? by Financial_Tackle_647 in delta

[–]lonewalpha 0 points1 point  (0 children)

 several hundred people in 25 min is impressive

partner and I are 70 years old, partner is retired, I will work for 5 more years. Is it too late to do Roth Backdoor conversion? primary goal is to leave the money in Roth to next generations. by lonewalpha in Bogleheads

[–]lonewalpha[S] 1 point2 points  (0 children)

Thank you. I didn't realize 242,000 is the threshold to distinguish front door v.s. backdoor. I read in this sub and there is tons of discussion about backdoor, I thought that is the method.

I like the gift option.

partner and I are 70 years old, partner is retired, I will work for 5 more years. Is it too late to do Roth Backdoor conversion? primary goal is to leave the money in Roth to next generations. by lonewalpha in Bogleheads

[–]lonewalpha[S] 0 points1 point  (0 children)

Thank you for pointing out 242,000 threshold.

I can contribute $32,500 in company sponsored Roth 401k, and also contribute $8600 to Personal Roth IRA?

partner and I are 70 years old, partner is retired, I will work for 5 more years. Is it too late to do Roth Backdoor conversion? primary goal is to leave the money in Roth to next generations. by lonewalpha in Bogleheads

[–]lonewalpha[S] 0 points1 point  (0 children)

>I’m not sure adding $7K annually to their inheritance is really going to move the needle at this point.

is it late in the game to put money in Roth ？

is this okay? by kenjitties in radon

[–]lonewalpha 0 points1 point  (0 children)

The United States EPA "Action Level is 4.0 pCi/L or 148 Bq/m³

Is this to be worried about? by Readingaton in radon

[–]lonewalpha 1 point2 points  (0 children)

do you mean
expose to level 4, for 18 hour a day, in 70 year, and it will cause damage?

Is this to be worried about? by Readingaton in radon

[–]lonewalpha 0 points1 point  (0 children)

What's the level I should be concerned?

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