Tom’s Blog

How do you rank performance of your actively managed funds?

I’d guess that many retirees – and clearly many investors – have a lingering legacy of actively managed funds in their taxable account. The market has declined, and this a good time to consider selling an underperforming actively managed fund. You’d sell and invest the

What’s the tax cost of actively managed funds?

The market has declined. It’s a good time to decide if you should sell actively managed funds you may hold in your taxable account. You’d sell and take the net proceeds and buy peer index funds for a better long-term return. You have a number

Should you skip taking your RMD this year?

Surprise – or at least it’s a surprise to me – the CARES Act gives us older retirees the option to skip RMD this year. This post addresses whether or not you should do that. My conclusion: most retirees have to take more than

How much are you required to sell in your retirement accounts for your RMD?

You don’t HAVE to sell ANYTHING – stocks or bonds – in your Traditional retirement accounts when you take your RMD or any other withdrawal from your Traditional retirement accounts. These two decisions are separate: 1) How to take your RMD and 2) What securities

How do you look at your portfolio now?

This has been another stressful week. I can’t break the habit of looking at my portfolio, but I think I’ve been able to narrow what I look at. There’s a big part of my portfolio I don’t want to look at very often: we all

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