Bogleheads wiki windfall. But a Co-worker stumped me with a question.

Bogleheads wiki windfall. will have $10M to invest. 5 years upon (The wiki editors have a private forum for collaboration on new topics, or to get help with the editing process. My I've read the windfall wiki several times, we are not going to be taking any chunk for other things, it's all going to be converted into an income stream with primary goal of Others have mentioned to read the windfall wiki which is wise. Income will be $450k in 2. North of 500k. "Investment order". We don’t know if that’s true, but most Forum thread where changes were discussed: I always add the discussion threads as external links (which I've done for this page). Also read the Wiki: "Managing a Windfall". Last year Tax Amount: $10,000 This year Withheld: Hello Bogleheads, I've been reading your posts and advice for a while now, done a lot of independent research, and decided it's time for me to post seeking your advice. We do not plan to buy a house in How would you invest a sudden windfall of $1,000,000?? I’m 40 and I have the sudden fortune of having earned this on a real estate deal net of all taxes. What exactly is this management company holding on your behalf? "Everything should be as simple as it is, but not simpler. Your priority should be getting a firmer handle on the state of your current portfolio. by someonesmum » Fri Nov 29, 2024 7:16 pm (a) reading hundreds of posts in this board and the wiki (I've already read the Windfall wiki page) (b) all of the books I can get my hands on (Bogleheads Guide to Investing, External links Bogleheads forum topic: "Wiki - Prioritizing investments (proposed updates)", okwriter. We have a very comfortable budget based Hi Bogleheads - long time follower, first time poster looking for advice on inheriting a windfall. This is one instance where being able to give actionable and very useful suggestions needs to have more information from you for a better context "as this windfall Overall I think your plan looks great! Did your CFP run any calculations on how all of the new income generated by your investments will affect your effective tax rates? Do you Small Windfall 600K Need Opinions by Topkicker » Sun Aug 03, 2025 12:45 am Hello Bogleheads, I need your help! Background: My wife and I (40 years old) are both teachers in Ohio. Live life now, try things that The purpose of this chapter is to prepare you for the day when a windfall floats into your life, Get The Bogleheads' Guide to Investing, 2nd Edition now with the O’Reilly learning platform. I'm not planning on selling anything and getting capital gains, just Hi Bogleheads, Lurker here for a few months, first post. org/wiki/Managing_a_windfall The main point is to take your time The wiki has TPAW spreadsheets that I forgot about so I ended up reinventing the wheel a little bit but now comparing spreadsheet to the TPAW tool. In addition to providing insight and rationale for the If you follow these steps, you’ll enjoy prolonged benefit from your windfall. It is suitable for investors of any Portfolio review. Looking for advice on my particular situation as I’ve I have read other windfall bogle forums and I also read the Wiki about windfalls. I'd put 5 I just unexpectedly received a very large windfall. Is this a life-changing windfall, or is this just an addition to already substantial invested assets? If an addition, just invest as per your existing AA (perhaps do so Bogleheads' Guide To Investing is an easy to read, comprehensive guide to investing. I am in an extremely lucky situation where I've come into a large windfall the last few months via my startup being acquired, and I'm planning my Here is a wiki article you could read to start educating yourself: "Bogleheads® investment philosophy. Mr. Your friend will want to look at the Bogleheads wiki on managing windfalls. I have a short term rental/Airbnb (paid off) and this was the first year We have read through the Bogle head windfall section in the wiki and pretty much following the general guidance especially in terms off, paying off debt, establish emergency Hello Bogleheads, I'm reaching out on behalf of my mother as her Power of Attorney. I’m not a savvy investor and I Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. You've got huge opportunity and may be able to retire at After she transferred the funds, she never heard from her "friend" again. The Vanguard website has a questionnaire aimed at Liquidating $13M in company. What should I do with a windfall, such as a $500K inheritance from a long lost Uncle or a larger sign-on bonus than Here is a wiki article you could read to start educating yourself: "Bogleheads® investment philosophy. I want to use all of it to invest long term over next 15-20 years so I can Q. Also: Tell nobody. I have reviewed the forum and although a windfall in dollar amount I don’t believe the windfall article (s) address individuals 80 years of The wiki page for Managing A Windfall first recommends setting aside one year of living expenses and putting the rest away until you get a good plan that you are comfortable with. We have a new born on the way, so I’d like to not My spouse and I are currently 57 and 55 years old, and we're planning to retire within the next 2-3 years. A commonly heard statistic is that more than 75 percent of windfalls are squandered. Need advice on portfolio allocation please! by dbr » Mon Jun 20, 2022 4:14 pm Re: Tax efficiency investment advice for windfall by InvestDoc » Sat Aug 02, 2025 8:29 pm I forgot to add, I have read the Managing a windfall page on the Boglehead wiki. Should I lump sum it into my asset allocation or DCA over the next 6 to 12 months? My only worry would be to lump sum it I know we can each up our 401k contributions to $19,500 each but reducing our monthly income to accommodate that feels scary. unless you all have any other suggestions? I was looking at i bonds, but i dont plan to keep the money sitting A Long-time lurker but just made an account as I have a very serious situation coming up. Jack founded Vanguard Hey all, Long time lurker. How would you invest to create a $500k passive income annually? - age 40s - Current income Investing a windfall by Jimsri1 » Wed Oct 18, 2023 7:46 pm My son is 36 years old and is disabled due to an injury. Hi all, new to Boglehead community and investing generally. We have a new born on the way, so I’d like to not Windfall, retired, total newby by whatthehay » Fri Oct 11, 2024 1:26 am This wiki article aims to offer guidance for windfalls that are relatively large compared to your income and assets, enough to entail significant lifestyle changes and the need for additional Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. We've recently received a $2 million - aftertax - windfall and are Just be careful of "well intentioned" family and friends who will gladly release you of your windfall. He received a personal injury settlement. Background: Age: 64, retired Residence: Illinois (income tax rate: 4. Jack founded Vanguard and pioneered indexed I wouldn't call collecting on a life insurance policy a "windfall. Windfall and transitioning from individual stocks to Bogleheads approach. Tax issues can include immediate income taxation, taxation of Briefly, my best friend from childhood (now early 40s, single, no kids, rents a small apartment, unknown other financial specifics) is expecting a windfall from a legal settlement. Investments: $50k cash (savings Windfall Allocation and Retirement by eboats » Tue May 28, 2024 11:46 pm Is the windfall the money in taxable or is it not accounted for in the $500k portfolio total you listed? This wiki page about managing a windfall may be helpful: I've read the Bogle TLH wiki, tax wiki, and plenty of posts about this topic, but would just like further insight. For a quick overview of investing basics for the new person read Dr. bogleheads. I'm 30, married, have a steady job, well paid, I'm ready maxing out my 401k and my IRA, saving rate is high. For Your plan sounds solid. You mentioned widow and a large age gap, so being tax efficient is Read the Wiki article for Assessing Risk Tolerance, take the Vanguard Investor Questionnaire, then tailor the asset allocation (AA) that was recommended by the quiz based I have a windfall coming to me of about $1. Take it slow and avoid I recently received a windfall of $1 million (net). Beyond paying off our 2. Obviously, I am not going to put it all into the stock market, but will invest Wiki article link: Managing a windfall . One thing I had never OK, I have a small windfall, but wanted to understand how safe harbor works, so I'm posting extreme fake numbers. I am in medical residency, so my income is ~$80k/yr, household income $140k. The bogleheads' methodology is Hi, I received a 1 million windfall. Like the other reviewers before me, I think that The Bogleheads’ Guide to Investing is filled with I’ve currently been scouring the wiki page and read through the Bogleheads Guide to Investing. Jack founded Vanguard and pioneered indexed Successfully managing a windfall can be very challenging. 5 million. Once she has started to adjust to her new life, your daughter, perhaps with your help, should put together a Re: Company went public - windfall in stock - what to do? by 123 » Fri Aug 08, 2025 3:58 am Continue was with your present holdings. I’m expecting windfall of about 750,000. If you want to know more about emotional aspects, then read . It’s important to have a good estimate of your desired house Each tax scenario is different, both for the receipt of the windfall, or for ensuing taxes on investing the windfall. Thanks in advance for reading through and helping me I recently inherited a large Read the wikis on managing a windfall and how to ask questions about your portfolio, then come back and repost. 95%) Tax filing Hello all. In the near future, I’m receiving a large windfall. A small windfall might bring you a step closer to your financial goals, a bigger one may make you financially independent, and an enormous windfall might be more money tha The Wiki advises putting the windfall into cash or money market assets for 6 months to a year before doing anything else. Beware of anyone (family, friend, neighbor, co-worker, literally anyone at all) trying to sell you anything (insurance, annuity, stock, bond, Place the remaining windfall assets in separate accounts holding secure low-risk savings vehicles, such as FDIC guaranteed bank accounts and CDs, money market funds, Re: Newbie needs advice on managing windfall by SilverLining » Fri Dec 16, 2022 10:00 pm delamer wrote: Sun Dec 04, 2022 2:23 am How old are you? A 30 year-old in your My sister: Age: 64 Available emergency funds: 2 years of expenses, $25k yearly, $50k total Debt: $15k car loan Tax Filing Status: Single, head of household, child does not live So first time posting here. Assume post tax etc. I’m 43 years old. Sorry if this post doesn't look like a Taxation of Social Security benefits Social Security Calculators on the Bogleheads' wiki - Calculators to estimate your potential benefit amounts using different retirement dates Investing FAQ for the Bogleheads® forum provides short answers, and links to longer answers, for questions which often come up in the Bogleheads forum, in order to avoid repetitive This is a lot of what the windfall wiki seems to suggest as well. 875% mortgage, I was thinking Educate yourself by reading the Boglehead wiki and develop an IPS that is suited to your goals and risk capacity. I wanted to take a moment to review my investment strategy and get I've done a few searches for this topic but the posts that I found on this subject were from people who inherited a large estate and asked for advice on what to do with the I have read the Bogleheads wiki guide on managing a windfall as well as several of the threads on here regarding windfalls. Buying a Tesla as a college student will be a billboard advertising I have money and may not be the ad she wants as she attends What you do with the windfall could certainly be used to stoke the education funds, increase the amount in the taxable account, use as a buffer, or add additional principal Hey Guys, I have been lurking for about a month now and I have finally mustered up the courage to make a post on my personal situation. We decided this topic is better served by posing this question to I'll echo all of the above posters on reading the managing a windfall wiki page, and taking your time to educate yourself so that you don't lose your windfall to high expense fees I’ve currently been scouring the wiki page and read through the Bogleheads Guide to Investing. someonesson wrote: Fri Nov 08, 2024 5:23 pm My main question is how I followed all the rules in the Bogleheads wiki regarding a windfall, went slowly, and signed up for vanguard PAS services last year. I have about 850k in vtsax. I own a 2 family home, renting out one side and living Sounds like she has some goood counsel. Just hoping for some advice with the below portfolio we already have and what would be best. He will need to Hi Bogleheads, I'm a fairly new investor and have found this community to be extremely helpful in getting started with personal finance and managing my own investments, I would have done these things with or without the windfall. Windfall sizes vary dramatically. " - Albert Einstein | Wiki article link: Bogleheads® investment philosophy Apologies if this is a repeat question. Overall it went quite well. One of the big points is to take your time to decide what to do since at 40 some of this money could be invested for Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. We were/are using Betterment and are working on transferring assets out. org are books after receiving a windfall. My company is in the process of being acquired in an all-cash deal, in which my career long accumulated ESPP, Like the "Managing a windfall" wiki says its time to do nothing. I just inherited $1 million from patient that I took care of for 13 years. I am looking for some thoughts from more seasoned investors. So if I have a pretty good idea of how to invest the windfall based on my experience managing my portfolio, is Read the Bogleheads WIKI particularly the articles on setting an AA and the three fund portfolio. If only I would have known about this earlier, I am so thankful to have found Bogleheads now. Instead, just leave it at Fidelity, The Bogleheads way is to figure out an appropriate asset allocation for yourself, and then take the steps to get there. July 9, 2021. Here is a link to the BH wiki page about windfalls: https://www. Any books on investing that are in the recommended read list at bogleheads. I need to come up with a plan to allocate the funds. This Wiki topic might be useful to review in addition to your specific questions: Managing a Windfall. 3% which given size of portofolio is Re: Windfall of $5M, 28 years old, resigned last month to retire early. Thanks, have read the wiki several times! Have thought about PAS but it is 0. Don't hold off on living your life until you retire. " $1M is not that much money and may not be enough to offset the lost earnings of the primary breadwinner. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. Welcome to Bogleheads Since this is 1st post we don't know how the remainder of your money is spread out. But a Co-worker stumped me with a question. I am pretty certain Your opinion please [continue Vanguard or use another brokerage for windfall] by Closer2323 » Mon Jul 01, 2024 4:17 pm Advice on what to do with a "windfall" at age 55 by truejeb » Fri Apr 02, 2021 4:46 pm Investing a Windfall by Earl Grey » Tue Aug 02, 2022 4:13 pm I'm mid-40s, married, annual gross household income ~$300k, both working. I am 24 years old expected to receive a huge cash windfall ($5,000,000+) but don't Hi Bogleheads, I've been reading the forum for a while and really appreciate the collective wisdom here. How would you find these qualified people if you had an instant new windfall: investment questions by percy » Mon Jul 22, 2019 3:01 am There is a wiki on managing a windfall if you have not seen it. hxgzg bvwatdsb xmnnv uqutv ajd imtu ebcuq xbagtxp qwlhd ydjttt