Should I buy short-term TIPS or just a regular TIPS fund? TIPS, like other governmental bonds, have duration. Should you have short-term TIPS or a total or intermediate-term TIPS fund? Interest rate sensitivity is something I bet of which […]
Should You Use your Non-Governmental 457(b) Plan? This is the ultimate guide to non-governmental 457(b) Plans. If you are a highly compensated employee of a non-profit institution and want to know if you should use your 457 plan, chances are […]
Bond Tents for Retirement Asset Allocation Bond tents and Rising Equity Glidepaths are styles of glidepaths. Glidepaths describe the modulation of asset allocation before and after retirement. For example, traditional target-date funds decrease stock percentage to or through retirement and […]
Rising Equity Glide Paths and Early Retirement Rising Equity Glide Paths are an important consideration for those facing early retirement. You have a long horizon, so you want to be aggressive. This, however, sets you up for sequence of returns […]
HSA and Medicare Penalty: the HSA Medicare 6 Month Rule What is the HSA and Medicare Penalty? Did you know that Medicare enrollment impacts your ability to make HSA contributions? That is, you cannot make any HSA contributions […]
Inherited HSAs Are Fully Taxable the Year of Death Let’s keep this short and to the point: Don’t Die With your HSA! Yes, non-spouses can inherit leftovers from your Health Savings Account. However, while it is tax-free to you, unfortunately, […]
QHFD: a Qualified HSA Funding Distribution QHFD (Qualified HSA Funding Distribution). What a fun term. If you are less than 59 years old and have an HSA, consider funding it with your IRA. Especially if an inherited IRA or there is basis […]
Cash-out a 401k for real estate investors Have you thought about cashing out a 401k to invest in real estate? Real Estate Investors invest in real assets rather than retirement accounts. Investors with significant qualified retirement accounts discuss cashing out […]
Cash Flow Index vs Debt Snowball? Cash flow index. Who knew there is a third strategy for debt repayment? Traditionally, Dave Ramsey followers subscribe to the debt snowball where the smallest debts are paid first to free up money and […]
