RBS 250: Will the SpaceX IPO Crash the Stock Market? (FQF)

This week in Five Question Friday (FQF): mega IPOs, sequence of returns risk, RMDs from a bonds-only IRA, Roth conversions after 59 1/2, and VT versus VTI plus VXUS.

Question 1: Will the giant IPOs coming in 2026 drain money from the market and depress stock prices?
Question 2: Is 20% to 30% in bonds enough protection against sequence of returns risk?
Question 3: If you move your IRA entirely into bonds, will RMDs force you to sell bonds when they're down?
Question 4: If you're over 59 1/2, why not make every IRA withdrawal a Roth conversion?
Question 5: Is "VT and chill" costing you 0.7% a year compared to holding VTI and VXUS separately?

Resources mentioned in the video:

SpaceX IPO pricing: https://www.npr.org/2026/06/11/nx-s1-...
S&P 500 buyback data: https://www.spglobal.com/spdji/en/cor...
Money market fund assets: https://www.ici.org/research/stats/mmf
Bengen's original 1994 paper: https://www.financialplanningassociat...
Kitces/Pfau rising equity glidepath: https://www.kitces.com/blog/should-eq...
IRS RMD FAQs: https://www.irs.gov/retirement-plans/...
IRS Publication 590-B (Roth and IRA distribution rules): https://www.irs.gov/publications/p590b
RMDs come out before conversions: https://irahelp.com/new-rule-all-ira-...
The two Roth 5-year rules: https://www.kitces.com/blog/understan...
The VT vs VTI/VXUS articles in question: https://princetonasset.com/2026/05/25...
Elm Wealth on VT vs VTI/VXUS: https://elmwealth.com/vt-vs-vti-vxus/
Bernstein on the rebalancing bonus: https://www.efficientfrontier.com/ef/...
Foreign tax credit basics: https://www.bogleheads.org/wiki/Forei...
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