Typically these are stocks, bonds, and cash. This Style guide offers help and suggestions for how to write articles that are clear, easy to read, and concise. Classic Bernstein 2 — Choosing Portfolio Bond Duration. Under the U. TIAA. : Navigation. For example, if 15% of your expenses are for medical care, which you estimate at 5% inflation, then 0. Treasury Inflation Protected Securities. Wiki page creation (May 13, 2023 - May 13, 2024) HSA veterans benefits (November 22, 2023) New wiki pages 2022 - 2023 . For every $1 of relevant income between the lower and upper bases, 50 cents of your Social Security benefits become taxable, up to 50% of your total benefits. Bogleheads forum post: "Re: Bookmarklet to lookup selected word in wiki's abbreviation table", LadyGeek. The following outline is provided as a topical overview of investing: The prerequisite financial planning and personal finance. [2] [3] For example: An 18-year, $1,000 par value, 6% coupon bond selling for $700. The wiki group decided that a wiki might be an appropriate site for bogleheads. In this post Barry Barnitz reveals his testing of a forum wiki. He has been working in the investment world with 25 years of corporate finance. This article contains details specific to United States (US) investors. The spreadsheet is no longer maintained by Simba, but other forum members continue to. Boglehead-style investing at TD Ameritrade. William Bernstein on TIPS, asset allocation, and four deep risks, host Rick Ferri (29 October 2023) Dr. This article contains details specific to United States (US) investors. Unlike a flexible spending account, unused money remains in the account and can be invested; most accounts offer either mutual funds or brokerage accounts for investing. - Personal vehicle tax. The devil is in the details. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. Links and other items are edited using toolbar and pop-up interfaces. 978-1-118-92128-9. The Philadelphia conferences begin with Bogleheads® 9 (October 13 - October 15, 2010) and continued to the 2018 conference. [1] The Callan periodic table of investment returns is patterned after Mendeleev's. The Wiki for EU investors includes some suggested portfolios suitable for the Boglehead approach to investing. . The tiny (few basis points) advantage claimed by Vanguard's article for locating assets strategically is most likely due to an increase in after-tax risk. 1. From Bogleheads. On the Forum, members discuss financial news and theory. The employee contribution limit for someone 50+ in 2023 should be $30,000, not $29,000, following the $7,500 catch up contributions. Tax-advantaged account, such as 401 (k) $5,000 money market fund <- emergency fund. Read. You can take your RMD any time during the year. The following outline is provided as a topical overview of bonds: A bond is a debt investment. The Bogleheads forum began in March 1998 as an investor-to-investor online community when Taylor Larimore made the first post on the Morningstar. The second or Preferred budget represents a higher level of retirement spending that you want to achieve. This kit is designed to help you, a non-US investor, begin or improve your investing journey. From Bogleheads. [1] A reverse mortgage has been described as a loan of. 7% ($6,000 / ($50,000 + $6,000)) of the conversion step will apply to the non-deductible amount, and the remainder will be converted from the pre-tax amount. org was born. S. It suggests some approaches and funds that you can use to invest in a similar way to that outlined in the Bogleheads' Guide To Investing. The personal finance articles cover topics such as budgeting, loan management, insurance, charitable contributions, and tax basics. The earnings limit for 2009 is $14,160 - for every $2 over the limit, $1 is withheld from benefits. Most everybody fails to get the approach to work (at least in relative terms). Many newcomers find that a good way to begin is by reading these Wiki articles: Getting Started and the Bogleheads' investment philosophy. I've also added links to additional financial articles (45 total) recommending the 3-fund portfolo. Welcome to the Bogleheads® investing start-up kit. [note 1] From Bogleheads. Zero-coupon bonds or “zeros” result from the separation of coupons from the body of a security. There must be a known maturity date for the asset so the timing of the asset and liability can be. First, let me explain that the Bogleheads' wiki is really Wikipedia in disguise. [1] Classic Bernstein 1 — Asset Allocation and Time Horizon. I'd probably hold onto the iShares for now, and finish the redeployment into a Total Market index fund next year (with the possible exception of the MGK which has the large unrealized gain), thereby spreading the pain across two. From Bogleheads. If you have not already done so, visit the Getting started page. If you hold funds in taxable accounts, these distributions are taxable. by Taylor Larimore » Sat Jan 01, 2022 8:10 pm. Ireland domiciled ETFs insulate you from US estate taxes of up to 40% of the balance of US situated assets above $60,000. After the set term, a new fixed rate is offered for the next term. It is typically a mutual fund or exchange-traded fund (ETF). Joined: Sun Mar 16, 2014 7:43 pm. Total portfolio allocation and withdrawal (TPAW) describes the "total portfolio" approach to asset allocation and withdrawal. [1] [2] Most managed funds are tax-inefficient. An investor should reference their Summary Plan Description to confirm all plan features such as availability, limits,. From Bogleheads. Take your time and get organized. ISBN 978-1-119-48733-3. Investors should look at all of their accounts as a unified portfolio to construct a portfolio that is low cost, well diversified, and tax efficient. But where can I get historical information for: - Developed market stock market index. Below is a brief summary of Top 10 Ways to Prepare for Retirement . An avid investor and money manager himself, he preached investment over speculation, long-term patience. D. It is suitable for investors of any experience level, and would be a good choice for a first investment book. The I fund is an international developed market stock collective investment trust. 22/ounce - that persists to the. (Jack) Bogle (1929 - 2019), after whom the Bogleheads® are named, was founder of the Vanguard Group and creator of the world's first retail index mutual fund. Across the board, Vanguard has the lowest ER and when comparing like types of funds Vanguard usually has a higher yield. 56% = $1,000 * 6% / $700. Lazy portfolios are designed to perform well in most market conditions. Jack founded Vanguard and pioneered indexed mutual funds. Typically, these would be wiki annual report pages. From Bogleheads. The idea is that maintaining a consistent mix of asset classes (most commonly equities and fixed income) will help to keep risk at the desired level. tools third-party online calculator calculates your PIA based on (1) past Social Security earnings record as well as (2) estimated future estimated earnings and number of additional years of earnings. [1] GnuCash's data file format is fully open and the data is stored in. A certificate of deposit (CD) is a debt instrument issued by a bank or a credit union. 1. The more you learn, the better you will be able to judge whether an advisor is worth the. This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. Double-entry accounting is utilized to ensure balanced books and accurate reports. The growing proliferation of indexes from index providers, along with a corresponding growing number of index funds and ETFs, creates a number of issues for investors, since the. Read. Most customers of failed brokerage. 7% cash (for investing – do not include emergency funds). The Vanguard target retirement funds [1] are target date funds designed for retirement. S. . A Collective Investment Trust (CIT) is a pooled group of trust accounts operated by a trust company or a bank. You can contribute $3,000 to the Roth account and receive a $3,000 traditional match, or $3,409 (=$3,000 / (1 - 12%)) to the traditional account, and receive a $3,409 traditional match. S&P Indices Versus Active (SPIVA®) measures the performance of actively managed funds against their relevant S&P index benchmarks. John Bogle era (1975–1996) The Vanguard Group was an outcome of a 1974 corporate struggle at the Wellington Management Company that resulted in the firing of Wellington's CEO, John Bogle. Multiply each category's percentage of total spending by the category inflation rate. Vanguard and TIAA-CREF take this approach. [note 1] Ideally you build your emergency fund at the same time. Posts: 15073. From Bogleheads. It is a collaborative enterprise by members of the Bogleheads community. Welcome to the Bogleheads' Getting started page! There is a lot of information available to help. New wiki pages 2023 - 2024 . Ireland domiciled ETFs can benefit from the US/Ireland tax treaty rate of 15% on dividends and 0% on interest paid to Irish corporations, [2] instead of 30% for US nonresident aliens in countries without a US tax treaty. " The Bogleheads originated in the United States, but the principles apply worldwide. Using this list can help show the relative benefits of tapping one type of income before another. 17% on the first $1000 of primary savings. Investing Advice Inspired by John Bogle. I think it's a great idea. Income annuities can be fixed or variable. Books may have associated reviews in the wiki, and many have a forum-based discussion of the book contents. You may take your RMD as early as January 1 of that year, and as late as April 1 of the following year. Nov 30, 2019; Leveraged Funds – Historical Modeling, Bogleheads blog post by forum member siamond. Amusingly, the claimed advantage. From Bogleheads. 6 hours ago · BCBS Premium for self only in 2024 is $207. For a video presentation of Bogleheads principles, refer to Video:Bogleheads® investment philosophy. This will introduce you to the Bogleheads® philosophy, and help you find the right starting point for exploring all of the content in the wiki. Series EE Savings Bonds (often called EE Bonds) are government savings bonds issued by the U. View history. Chart 1 - Portfolio with asset classes. Investing Advice Inspired by John Bogle. Although there is no standardized definition, it is generally accepted that mid caps are companies having a market capitalization of between two and ten billion dollars. There is a $1 per share dividend. 401 (k) From Bogleheads. [1] The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. A first practical flaw which you can almost miss if you’re looking for a good investment strategy…. TIPS explicitly protect you from inflation. ) The purpose of a "wiki" is to provide information as an authoritative. The Bogleheads motto is Investing Advice Inspired by Jack Bogle. The index is frequently used as a benchmark for measuring international. C. - Treasuries of various durations, or a short dated treasuries index. This article contains details specific to United States (US) investors. [note 6] Whether you should retain a financial planner for a long time, or do your own investing using the Bogleheads investment philosophy or similar, is a personal choice. If the income stream is fixed, it is considered a fixed immediate annuity; also known as a Single Premium Immediate Annuity (SPIA). You can: 1. This wiki is a reference resource for investors. So strive to make the maximum annual employee deferral to your 401k account, which is $22. From Bogleheads. For an introduction, see: Investing from outside of the US. These portfolios are ideal if you are in the accumulation stage, with retirement as your main goal. An exchange-traded fund, or ETF, is a registered investment company. [note 1] Because ETFs and closed-end funds trade like stocks on the stock exchange, their shares trade at market value, which can be a dollar. A 401 (k) plan is a type of employer-sponsored defined-contribution retirement plan. The Bogleheads follow a few simple investment principles that have historically produced risk-adjusted returns that are better than the returns of average investors. Social Security: member contributions contains a list of calculators submitted by Bogleheads forum members. Some fixed immediate annuities are offered with inflation-adjusted. Spousal benefits:View history. Bonds are usually issued with maturities ranging from 1 year to thirty years. For example, if you attempt to make a backdoor Roth IRA contribution of $6,000 while having a traditional IRA with a pre-tax balance of $50,000, then only 10. If withdrawals are to start this year, the formula needs. Withdrawal = P X Balance. From Bogleheads. [2] Assessment Bonds are special types of municipal bonds used to fund a development project. Vanguard and TIAA-CREF take this approach. I also created Category:Bogleheads university so we'll have this ready for next. If you invest through Ireland domiciled funds or ETFs, you will reduce your US tax liability from as much as 30% for non-treaty countries, down to 15% US rate on dividends from the US stocks your ETFs hold, and down to 0% US rate on the non-US stocks your ETFs hold. If they can’t see your file, they may. Welcome to the Bogleheads ® wiki, a collaborative undertaking by members of the Bogleheads Community. From Bogleheads. 13. Establishing a high rate of contributions should be your greater concern at this point, at age 28. Bogleheads forum. Wiki page creation (May 13, 2022 - May 13, 2023) ChatGPT in the Bogleheads forum (March 28, 2023) Suggested reading (March 21, 2023) Taxable equivalent yield (February 7, 2023) Taxable equivalent yield (math) (February 7, 2023) UK abbreviations and acronyms (January 15, 2023) Bogleheads investing philosophy - video online course (December 12, 2022) Investing in actively managed funds. See full list on bogleheads. For example, see: Lazy portfolios. Similarly, suppose that you hold the same shares, and the fund has dropped in value to $30 a share. The SECURE 2. 89. Next, you take the foreign tax credit, which reduces your tax liability by $70 (assuming no limitations apply), so your total U. It is not intended for non-US investors. From Bogleheads. December 25, 2022. This article contains details specific to United States (US) investors. This formula does not take into account gains or losses if the bond was purchased at a discount or premium. An individual irrevocably transfers cash or property to a charitable organization in exchange for the charity's promise to make fixed annuity payments to one or a maximum two life. Income-Related Monthly Adjustment Amount, often abbreviated as IRMAA, is a surcharge added to monthly Medicare Part B and Part D premiums, for Medicare recipients based on their annual income. S. It relies on private health providers to deliver health care to program beneficiaries. Choose an inflation rate for each category. See also: Vanguard funds: life strategy funds vs target retirement funds. There is one slide package which covers all of the principles. From Bogleheads. Money markets are a collection of short-term investment instruments that are highly liquid and easily converted into ready cash. tools/saving - tool to Prioritize Investments (per bogleheads wiki) by Affable at 50 » Sat Dec 31, 2022 11:01 pm. Our family makes a combined income of $240,000 and around 10,000 additional income from assets like stocks. Rebalancing brings a portfolio that has deviated away from its target asset allocation back into line. Insurance is a form of risk management, usually via a contractual arrangement (an insurance policy) under which one party pays another, the insurer, to take on a risk and make specified payments if that risk. [1] There are several restrictions: [2] [note 1] The maximum deductible contribution limit is $100,000 in 2023, $105,000 in 2024. Many bogleheads save a lot. He is the author of the chapter on defined benefit pension plans in The Bogleheads' Guide to Retirement Planning (John Wiley & Sons, 2009). In general, however, a fund's glide path will follow one of three methods: straight line, stepped, or rolldown. To help you find your way around this world of knowledge, the wiki has a number of pages that organize its contents. 5k. Re: Asset location. It does not apply to non-US investors. At 71 I was thinking of Vanguard Lifestyle funds and Vanguard sector funds?ISBN. Its name comes from section 401 (k) of the Internal Revenue Code [1] which defines it. Exchange-traded funds (ETFs) are also registered investment companies, but structured differently than a mutual fund. Those who are new to the concept are often overwhelmed by the complexity involved in maintaining such a portfolio. It does not apply to non-US investors. Suppose you have $15,000 in your portfolio with additional $5,000 as emergency fund. - Emerging market stock market index. As well as the topics described in the Bogleheads® investing start-up kit for non-US investors and Index funds and ETFs outside of the US, there is some additional information below. However, you may find that constructing your own portfolio of individual stocks offers some cost or tax advantages,. The Wiki is a comprehensive investing and personal finance reference that was built and is maintained by members of the Bogleheads® community. Merrill Edge is a large online brokerage platform that was founded in 2010, two years after Bank of America acquired Merrill Lynch. [note 1] The book contains sample US portfolios for investors of different ages, and which use different stock market and bond mutual funds. Interest owed to lenders is paid by taxes levied on the community benefiting from the particular bond. From Bogleheads. It does not apply to non-US investors. A stand-alone site was formed in 2007 and Bogleheads. You can have 100% of your RMD go to QCD donations as long as you are within the annual limit. The expense ratio represents the percentage of the fund's assets that go purely toward the expense of the daily operation of the fund. Australia Securities Exchange, Sydney, Australia. Disability insurance. Eve Sherrerd. Your current marginal tax rate is 12%, and your expected marginal tax rate at withdrawal is 18. Notice the presence of parallel sections, "Risks of international investing" and "Risks. org forum and wiki. As you approach retirement, it is a mistake to try to be too aggressive to make up for previous mistakes. HSAs are often referred to as "triple-tax. The Bogle Center uses its "Bogleheads" trademark to help build a world of well. The primary purposes of commodities futures. — Common Sense on Mutual Funds, John Bogle. I Bonds are not marketable securities and cannot be traded in the secondary market. John Wiley & Sons. Highlight the acronym, then click on the bookmark. Suppose the long-term capital gain tax rate goes up to 30%. We help you make good financial decisions by tuning out the noise and focusing on just a handful of simple, core principles that have proved successful over time. Avoid excess debt, such as credit cards and home equity loans. This article contains details specific to United States (US) investors. An index fund pools investors' money, and uses it to invest in securities, aiming to replicate an index of a particular financial market. . It is typically a mutual fund or exchange-traded fund (ETF). In addition, you might have to pay taxes on any benefits the policy pays above costs that pay for care. Events. Oct 31, 2018. This wiki section contains articles about Bogleheads® investing for people living in countries other than the United States (US). This article contains details specific to United States (US) investors. Re: Money Market Mutual Funds vs Bond Funds. S. The first or Essential budget represents the lowest level of retirement spending that you can accept. dollar, or used to purchase goods or services,. We are part of his campaign "to give ordinary investors a fair shake. Wikipedia states that there are nine community property states in the United States: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. There is no need to purchase new software. It is not intended for non-US investors. Laddering is a technique of holding bonds or CDs of different maturity dates in a portfolio in order to balance high yield and liquidity. Discuss all general (i. We are part of his campaign "to give ordinary investors a fair shake. On the other hand, a QCD is limited to $100K per year per person. [1] The Callan periodic table of investment returns is patterned after Mendeleev's. The non-US section of the wiki and the Non-US investing forum focus on topics that specifically affect non-US investors. 401 (k) From Bogleheads. Unreimbursed expenses for qualified long-term care services. S. The investment plan should document the medium-term goals (like a new car, a home purchase, starting a business and education expenses for children. Yearly opportunity cost. fund. Bogleheads wiki namespaces; Basic namespaces Talk namespaces 0 Main/Article: Talk 1 2 User User talk 3 4 Bogleheads: Bogleheads talk 5 6 File: File talk 7 8 MediaWiki: MediaWiki talk 9 10 Template: Template talk 11 12 Help: Help talk 13 14 Category: Category talk 15 274 Widget: Widget talk 275 828 Module: Module talk 829 Virtual namespaces -1. The building blocks of Boglehead-style investing are low-expense-ratio. 02%. We also host John Bogle's many speeches and videos, including published papers and other works. The index has been calculated by MSCI Barra since December 31, 1969. Matching strategy. The ssa. See: finiki, the Canadian financial wiki. From Bogleheads. From Bogleheads. Net asset value (NAV) represents the market value of the component assets held in one share of a mutual fund, exchange-traded fund (ETF), closed-end fund, or unit investment trust. Therefore, net of accumulated dividends in the fund, your fund is worth $10 per share. Most customers of failed brokerage. From Bogleheads. The company was founded in 1937 by Thomas Rowe Price, Jr. SWks = Single Budget, worksheet included. If we assume an investment with 8% total return and 2% dividend yield, then delaying reinvestments of each dividend distribution by a month (to possibly combine with new money) costs: 2% * (8% / 12) = 1. Although the Bogleheads' wiki doesn't have the same policies as Wikipedia, the "neutral point of view" is a core Wikipedia policy and I think we should be doing the same thing. These ideas come from the investing philosophy of Vanguard-founder Jack Bogle. Bogleheads investing philosophy - video online course contains the ten investing principles presented as the Bogleheads University track at the 2022 Bogleheads Conference. The allocation is further divided into the following three asset classes : 50% US stocks. 93% advantage, smaller without any capital gains tax, but likely still worth doing. This article contains details specific to United States (US) investors. Events. TIAA is headquartered in New York city and has $564 billion in assets. This amount is also the Survivor benefit for the widow in the couple once one of you passes. From Bogleheads. Maturity date: the date at which the bond principal will be repaid. 146. From Bogleheads. On December 6, 2017, the TSP's governing board "at its most recent meeting accepted a. It is a primary reason for which many Bogleheads favor total market index funds. The Wiki is a comprehensive investing and personal finance reference that was built and is maintained by members of the Bogleheads® community. 2. Because they are short-term, money market instruments rapidly adjust to changes in short term interest rates. From Bogleheads. Investing from the UK is written for UK tax-resident investors. If you are a US citizen or resident alien, the rules. Slice and dice portfolios are essentially diversified portfolios that seek to outpace the broad market index by. However, if you can reliably predict that your retirement income will be in the same or higher tax bracket, it could be reasonable to do some Roth conversions now. Mid cap stocks have a market cap between $2 billion and $10 billion. 12b-1 fees. But little costs don't matter a lot. by sport » Wed Nov 09, 2022 4:33 pm. —For purposes of this subsection, the term “modified adjusted gross income” means adjusted gross income (as defined in section 62 of the Internal Revenue. Large cap stocks have a market cap over $10 billion. The site consists of this wiki and the Bogleheads® forum. [1] Major brokerages such as Fidelity, Schwab and. The common advice to make sure to buy at the end of the month amounts to something like a $5-$10 swing most of the time. The Federal Thrift Savings Plan (TSP) is a retirement savings plan for civilian and military employees of the United States Government. Note that if you have a paycheck monthly, invest a part of one as soon as you receive it, and. EU investing shows how you can apply the Bogleheads investment philosophy if you live in the European Union (EU). ; ↑ Time Value of Money (cash flows and financial variables) is discussed in Comparing. Because emotions and subsequent behavioral pitfalls often lead to. There is no definitive answer for owning vs. Chart 1 shows a sample portfolio of $100,000 with an asset allocation of 70% stocks and 30% bonds. This Vanguard safety issue has been asked on a number of occasions. Traditional IRA. View history. It models the most common financial aspects of a retiree and their spouse's lives, including pensions, Social Security benefits, living expenses, IRA Required Minimum Distributions, purchase of an annuity, sale of a house,. Since you have an active traditional IRA, either roll taxable amounts. The payments from fixed income annuities discussed here, unless they are graded, or inflation-indexed, will remain fixed over the distribution period. From Bogleheads. The major factors in deciding between owning individual bonds versus a bond fund are: diversification, convenience, costs, and control over maturity, which are described below. Parts of it do not apply to non-US investors. Fidelity Investments is the marketing name for FMR LLC, a giant Boston-based investment. The process of matching strategies allows an investor planning for retirement to meet specific financial targets with near certainty. 8 hours ago · ↳ Forum Issues and Administration. Now you own 550 shares at $10 each, which equals your original $5,500. TIPS explicitly protect you from inflation. Contributing to a wiki would help many of us crystallize our investing thoughts, and we could link to it extensively in answering newbie questions. If you have not already, visit the getting started page for non-US investors, which will introduce you to non-US investing and help you find the right starting point for exploring. The Bogleheads® motto is Investing Advice Inspired by Jack Bogle. This is the first year in a long time that we are planning to itemize. This page is a how-to guide detailing a practice or process on the wiki. Although they are simple, following them is not always easy. SPIVA scorecards are issued semi-annually: a mid-year report and an annual report. John Bogle wrote: [1] [A]s we age, we usually have (1) more wealth to protect, (2) less time to recoup severe losses, (3) greater need for income, and (4) perhaps an increased nervousness as markets jump around. by gotoparks » Sat Jun 17, 2023 10:35 am. They are lifecycle funds that provide a selection of highly diversified all-in-one portfolios. With traditional you pay no tax now but pay it on withdrawals. For non-US investors, acting on fund or ETF suggestions in it may have harmful US tax consequences. From Bogleheads. Bernstein, Ph. If you know your actual PIA number for your FRA of 66 & 2 months, you can calculate your wife's spousal & survivor benefits pretty easily. non-personal) investing questions and issues, investing news, and theory. This article contains details specific to global investing. We were never given a choice. 1,054 articles. This article contains details specific to non-US investors. An Investment policy statement (IPS) is a statement that defines your general investment goals and objectives. The Bogleheads ® follow a small number of simple investment principles that have been shown over time to produce the best results. MAGI for Medicare premiums (IRMAA tiers) This MAGI is defined in 42 U. , where he recorded his impressions of the event in a series of contemporaneous tweets consolidated in his Bogleheads Conference 2013 blog posting. This article aims to bridge the Boglehead philosophy, as presented in Bogleheads' Guide to Investing, with what is available to non-US and EU investors. ↑ Fabozzi, page 48. The main Wiki site for Bogleheads provides plenty of background for various approaches that can follow Bogleheads principles, while introducing some variety if you want it. [1]Since your FRA is age 66 & 2 months, you earn an extra 30. From Bogleheads. But it looks like there could be a $250 deductible for RX. The payments from fixed income annuities discussed here, unless they are graded, or inflation-indexed, will remain fixed over the distribution. Welcome to the Bogleheads® wiki. Vanguard provides investment guidance based on four simple principles: [1] Define clear goals, invest with balance and diversification, minimize cost, and. From Bogleheads. 1. Depending on their classification, Investment Adviser are regulated. Specifically, you benefit from tax loss harvesting as long as the tax you pay on the $1,000 extra capital gains ($10,000 - $9,000) in the first example above is less than the after-tax amount that $250 grows to. I've rounded the numbers to make it easier to figure. The plans enable individuals tax-deferral of income and capital gains, and tax-free distributions for qualified education costs. As well as the topics described in the Bogleheads® investing start-up kit for non-US investors and Index funds and ETFs outside of the US, there is some additional information below. Bogleheads Live. [2] The purpose of this page is to describe and assess various asset protection strategies designed to mitigate the risk of financial ruin resulting from a lawsuit by an outside party. There are no spreadsheet programs used in this book- the examples are used to verify results from Excel. Re: Fidelity 3 Fund Portfolio. From Bogleheads. Target date funds are useful for. Then you could have: Taxable. The following characterizes the kiddie tax: Applies if the child is < 24 and a full time student (lower ages if not), and has more than $2,300 in unearned income for 2022, $2,500 for 2023. 0 Act of 2022 raised this age again,. ISBN 978-0-470-45557-9. The surviving spouse is 60 and can’t start getting their benefits until 62 (reduced because their FRA is 67).