Saving on Taxes with a 529 Plan

Categories: investing
Every now and then a post like Any 529 Abusers Here? appears on the Bogleheads about using a 529 account as a tax-shelter for non-education purposes. Like most posts, people post a bunch of speculation but no one does the math. Most, I suspect, don’t even think before posting. A simple thought experiment should suffice. The penalty on non-educational withdrawals from a 529 is the both the current income tax and a 10% penalty on the gain.

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Thoughts on International Investing

Categories: investing
As it perodically happens, someone recently posted a thread on the Bogleheads proclaiming that international stocks are a dead horse and they are glad to dismount it - Long Suffering VXUS Holder No More. I wonder at posts like this. Do people really have so little to do that they actually go through the effort to post their life decisions in a public forum? For me the thing about international is nobody knows the future.

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The Smartest Thing I Read on Bogleheads

Categories: investing
While reading the Bogleheads today, I happened to come across a post started on Jul 13, 2011 at 7:37PM titled What is the longest period for stock market to lose money? The thread starts out with the usual naval gazing where posters go back and forth about if it is after taxes and fees, and if they should consider real or nominal yield. There is also discussion if the number encompasses all stocks or only small caps.

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