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You are unlikely to need funds for any long-term care episode until about age 85. Given the long time horizon, we suggest investing your HSA for appreciation.
Dividends and interest received from U.S debt obligations can be deducted on many state tax returns.
Do mutual funds with 5-star Morningstar ratings have better future returns?
A gone fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year. Here are three hand-crafted gone-fishing portfolios for 2017.
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation. This portfolio uses all Schwab no-transaction fee exchange traded funds.
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation. This portfolio uses all Vanguard mutual funds.
2016 was a good year for stocks in general with a number of noteworthy details. Resource stocks performed the best despite being the worst-performing asset class in 2015.
Although legally fine, this strategy often causes you to accidentally increase your spending every year and decrease your savings. Don't let the IRS rules about IRA withdrawals tempt you into spending money you had planned to save.
Some people don't stop at distributing just the required minimum. They think, "Well, while I'm at it, I may as well pull out a little bit more so we can fully cover the kitchen remodel..."