Wealthy PotInvesting Basics
AGG vs BND: The Two Default Core Bond ETFs, Compared
AGG and BND track different Bloomberg indexes, charge the same 0.03%, and hold almost the same bonds. What float adjustment actually changes, and which one to buy.
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Investing Basics
IVV vs SPY: Same Index, Two Different Legal Wrappers
IVV vs SPY from the issuers' own filings: SPY is a unit investment trust, IVV is an open-end fund. What that costs, measured against the index, and when SPY still wins.
Investing Basics
RSP vs VOO: The Same 500 Stocks, Weighted Two Different Ways
RSP and VOO hold the same 500 companies. VOO's top ten are 37.8% of the fund, RSP's are about 3%. Issuer data on fees, turnover, sector tilt and returns over identical periods.
Tax Planning
Inheritance Tax: Do You Pay Tax on What You Inherit?
There is no federal inheritance tax, and an inheritance is not taxable income. Only a few states tax the recipient. What is taxed: inherited retirement accounts, and income after death.
Retirement Planning
Inherited IRA Rules: RMDs, the 10-Year Rule and the Tax Bill
Most non-spouse beneficiaries must empty an inherited IRA within 10 years. When annual RMDs are also required, how to calculate one from the IRS Single Life Table, and what you owe.
Tax Planning
Estate Tax: Who Actually Pays It
The 2026 federal estate tax exemption is $15 million per person. Only 2,663 estates owed any federal estate tax. The rates, the portability trap, and state thresholds.