Posts
Advice on short term use of $500,000 in cash before tax day
I was wondering whether anyone had some interesting advice on how to safely deploy about $500,000 for a couple of weeks before tax day. What would be an option for maximum return for a very short period of time? Assume that some very modest level of risk above a savings …
40 Year Future for the US
During a 40 year old timespan, do yall think ETFs like VTI and VOO will just be strong? The US economy is currently drifting apart, as a result of the new tariffs. The market is experiencing new lows. Is this just a blip, or possible uncrowning of the United Stares …
Trailing stop purchase mechanism?
Can someone tell me if using this trading mechanism makes sense or if I’ve misunderstood something. My thesis is that the market will continue to go down significantly over the next few months to years but will eventually rebound. I don’t think anyone will be able to predict when that …
I-Bonds and/or TIPS in Advance of Rising Inflation?
A couple of years ago, conservative investors were all talking about I-Bonds. Then inflation dropped as the Fed lowered rates and, of course, I-Bonds (or TIPs) lost their appeal. Where could, should, or shouldn't they fit into a portfolio today — say a married couple nearing retirement with 10K each …
Empower messed up my "future allocation" that I set back up August 2024. Are they responsible for the market losses since then since they messed up?
We're not talking about a huge sum of money here. But back on 8/23/24, I reallocated my 401K from 50/50 (50% equity / 50% cash) to 20/80. They did a reallocation of my current balance, but they didn't modify my future contribution. I only found that out today while auditing …
Is this a panic sale, or giving yourself freedom of movement?
Hi Reddit, My wife and I have a good size post-tax portfolio in a basic three-fund allocation of ETFs (US stocks, international stocks, bonds). We also have a cash emergency fund and some money in cash equivalents (was earning great interest when rates were high). My wife has seen the …
Just a reference of how heavily invested we are in stocks and how much it can change
How investors can respond to Trump’s tariffs turmoil - https://on.ft.com/4ck4ECN via @FT "There are many others. One is the value of equities among the financial assets of US households. This amount, according to data from Bank of America and the Federal Reserve, has swung between 10 and 30 per cent …
Transferring a managed account to self directed (via ACATS). Do assets get auto liquidated into cash?
We inherited an account that is currently held by Morgan Stanley with a financial advisor. We invest ourselves and want to transfer it out to Fidelity. If i initiate an ACATS account transfer do all these positions automatically get sold off for cash? I would call Morgan Stanley but its …
Will new fee structures allow auto parts to remain the same price?
Say I'm an auto company and the supply chain is structured that many of my parts have to go back and forth across the border several times. This could result in thousands of dollars in tariffs as the value of the goods being transferred is calculated at each border crossing. …
Need someone smarter than me to do this math. Have $14k set aside for my and my wife’s 2026 Roth IRAs. Dump it in now in my taxable brokerage account or keep it to fund 2026.
For further context, my wife isn’t working. She will be in 2028. I make about $150k in a LCOL area. We’re doing pretty decent with our financial situation. The money is in my HYSA to ensure our IRAs will be funded for 2026. I can probably put money into the …