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Re: VSS / IDV reallocation [which one to taxable?]

I am working on the following: Will make changes next week ex-dividend for FSIVX 1. simplify portfolio 2. improve tax based allocation 3. reduce er 4. increase Asia/Japan components I found thru the X-ray tool that FSIVX(er=12bp) contains about 72% of IDV's(er=50) value component. Will then have FSI...
by 2beachcombers
Fri Dec 12, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: VSS / IDV reallocation [which one to taxable?]

The IDV tax rate on dividends with FTC is 10%, but with 5% yield the tax cost is 0.50. Now add the 50 bp er. for total cost. BUT--whether the allocation is in tax or tax deferred you still pay the er . EFV is a better option, with a lower er, but its performance over the past 5 yrs has been poor. m...
by 2beachcombers
Thu Dec 11, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: VSS / IDV reallocation [which one to taxable?]

Have you considered PowerShares FTSE RAFI Dev Mkts ex-US ETF (PXF) as an alternative to IDV and/or EFV? http://www.bogleheads.org/forum/viewtopic.php?t=44133 Thanks for the link. Interesting and timely thread for me. Thanks. Will do some digging tonight--off to the golf course jerry
by 2beachcombers
Thu Dec 11, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: VSS / IDV reallocation [which one to taxable?]

I have VSS in taxable and tax-advantaged. It is my least tax-efficient taxable holding. As such, I would not add to it. Instead I add VEA and/or VEU depending on tax-loss harvesting moves. I am no longer in the accumulation phase, so I am not sure I would even add to VSS in tax-advantaged, but I th...
by 2beachcombers
Wed Dec 10, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: VSS / IDV reallocation

The tax cost is the product of the tax rate and the dividend yield. Given your estimates, the tax cost would be 0.26% for VSS, and 0.50% for IDV, so it makes more sense to hold IDV in a tax-deferred account. I would also prefer EFV (iShares MSCI EAFE Value) rather than IDV; it is less expensive (0....
by 2beachcombers
Wed Dec 10, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: VSS / IDV reallocation [which one to taxable?]

David, I Apologize for the late reply and mucho thanks for your quick reply. You have opened my eyes to some new possibilities. i am re-examining your tax cost in the WIKI compared to my calcs and data. Your VEA and EFV recommendation give me some homework to do. As well as moving VSS to taxable. Wi...
by 2beachcombers
Tue Dec 09, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

VSS / IDV reallocation [which one to taxable?]

Reallocating for more aggressive Roth allocations and take advantage of Tax placement. My Marginal TR = 25%. Roths are for heirs/ Balance of Trust for heirs VSS--Vanguard Int Small (5% of portfolio) IDV-- I-shares Int. LCV (7% of portfolio) Total portfolio= Bernstein's IDA with 60/40 with 50% in tax...
by 2beachcombers
Mon Dec 08, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS / IDV reallocation [which one to taxable?]
Replies: 10
Views: 1080

Re: Poll: What is your Bond Allocation %?

Rather than holding 0% bonds, I have chosen to hold 10% bonds and increase the risk of the stock portion of my portfolio, overweighting small-cap, value, and emerging markets. I am 44, so I answered Age-35, but I expect to stay 10% bonds for at least ten more years. age 70, bonds 30%; Ida sliced eq...
by 2beachcombers
Sat Nov 08, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12190

Re: Fidelity

definitely a nicer web site I used to agree with you on this point. However, Fidelity is rolling out a completely redesigned website - it is a total cluttered mess. I think they must have hired Yahoo's webdesigners. I actually like the new web design. It requires fewer clicks for me to find what I ...
by 2beachcombers
Fri Oct 24, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2762

Re: Does your ROTH hold risky or stable items?

I have risky assets only in my ROTH accounts. The reason is I expect these accounts will be part of my legacy and may have a lifetime of 50 years or more. +1 IRA= Reits and Bonds(20% of portfolio)--shorter time horrizon and plan to use IRA for LTC(no taxes on IRA with med deduction) Roths=SCV, LCV ...
by 2beachcombers
Tue Oct 21, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3550

Re: Queston About Funding 1st (Partial Year) of Retirement

Recommend you look at a larger pie--Build a spread sheet including your plan and include SS and RMD distributions. Do you have carry over capital gain losses from previous yrs ? If so you can take $ from taxable account. Your first few years without salary and before SS and RMD are a window for Roth...
by 2beachcombers
Tue Oct 21, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Queston About Funding 1st (Partial Year) of Retirement
Replies: 3
Views: 556

Re: POLL: How fulfilling is your retirement?

Life is what you make it,whether retired or not ,it was great before retirement and it is great in retirement.I am content :happy operative word, content. Same here :happy +1 :sharebeer +2 :sharebeer 15 yrs in retirement--I planned my entire career to retire at 55; Did so at 56(due to a massive bri...
by 2beachcombers
Tue Oct 21, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3071

Re: VIOV TLH

That's one of the more controversial ones as it's the same index just different companies so if you're concerned about a wash sale then VBR would be considered by many to be less problematic but no one actually knows anything because there haven't been any specifics from the IRS and no one has foun...
by 2beachcombers
Sat Oct 11, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: VIOV TLH [Vanguard Small-Cap 600 Value Tax Loss Harvesting]
Replies: 6
Views: 600

Re: VIOV TLH

That's one of the more controversial ones as it's the same index just different companies so if you're concerned about a wash sale then VBR would be considered by many to be less problematic but no one actually knows anything because there haven't been any specifics from the IRS and no one has foun...
by 2beachcombers
Fri Oct 10, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: VIOV TLH [Vanguard Small-Cap 600 Value Tax Loss Harvesting]
Replies: 6
Views: 600

VIOV TLH [Vanguard Small-Cap 600 Value Tax Loss Harvesting]

I recently sold VIOV for TLH.(FIDO taxable account) :happy

Is IJS a valid substitute? (Also have IJS in ROTH) :confused

They both follow the S&P 600 SC . Or should I go to VBR(CRSP SV) Not concerned about the increase in dividends.



jerry
by 2beachcombers
Fri Oct 10, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: VIOV TLH [Vanguard Small-Cap 600 Value Tax Loss Harvesting]
Replies: 6
Views: 600

Re: Deductable Investment fees

abuss368 wrote:Federal taxes and other excise tax are not deductible. State & local income taxes are. I would consider reading up on "itemized deductions" to gain an overall better understanding.

Best.


Done the reading---but still searching
by 2beachcombers
Wed Oct 08, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deductible Investment fees
Replies: 9
Views: 683

Re: Deductable Investment fees

You cannot deduct mutual fund expense ratios because you do not pay them directly. The fund pays them for you. For example, if the gross yield of a fund is 3% and the expense ratio is 1%, the fund dividend will be 2%. If the fund paid the gross yield to you at 3% and then sent you a bill for the ma...
by 2beachcombers
Wed Oct 08, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deductible Investment fees
Replies: 9
Views: 683

Deductible Investment fees

I understand the 2% limitation and ability to deduct management fees, CPU depreciation, etc. Why not deduct expence ratios????? And quickly looking around at my air flights this year there were over 2K$ in fed taxes. Why isn't this deductable? And hotel taxes, gas taxes, etc???/ I even had a 15$ Nav...
by 2beachcombers
Wed Oct 08, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deductible Investment fees
Replies: 9
Views: 683

Re: Do we need Long Term Disability?

You are young. The insurance co. that you pay LTC--will probably raise rates every few years and may not even be in existence when you need it.

Recommend you build up your 401. My 401, now an IRA, is planned for LTC. Note that is also a great tax deduction if you use it for medical care.

jerry
by 2beachcombers
Fri Oct 03, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we need Long Term Disability?
Replies: 9
Views: 606

Re: POLL: When I gift/will shares to my relatives, I expect

2beachcombers wrote:they can do what they want---BUT I have educated them to only take the minimum required distributions


This is an edit to my first response--I checked the "other box" as there are sufficient $$ in the roths to carry several generations.
by 2beachcombers
Wed Oct 01, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1744

Re: POLL: When I gift/will shares to my relatives, I expect

they can do what they want---BUT I have educated them to only take the minimum required distributions
by 2beachcombers
Tue Sep 30, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1744

Re: What's in your tax advantage accounts?

RIRA(35%) = LV, Int LV, int SV
Taxable(35%) = TSM, intTSM,SV, Emerging, Ibonds, Munis, + 5% cash
above portfolio to go to heirs

IRA(25%) = REIT. Bonds - RMD starts next yr.

Jerry
by 2beachcombers
Fri Sep 26, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 56
Views: 4979

Re: Extended market index fund in a taxable account?

be careful of nonqualified dividends on extended market--I have put this in my Roth

jerry
by 2beachcombers
Tue Sep 23, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Extended market index fund in a taxable account?
Replies: 11
Views: 884

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Maintenance costs on a Lexus do not have to be sky high. Two things that I have done are (a) decline suggested service and (b) negotiate rates and services to a lower price. I can say that my 2001 had no service (including no oil changes) for years 11-12 of its life and it is still going strong. My...
by 2beachcombers
Thu Sep 18, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4535

Re: How do you store your electronic account statements?

I have been "paperless "for years.I have never downloaded statements and stored them digitally from financial websites.I have found that I rarely need to look at them other than at tax time,so I just access them at the website. :happy Keep it Simple Agreed! - What do these other folks do ...
by 2beachcombers
Thu Sep 18, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1794

Re: The Worst Investment You Can Make: Buying a Home

after buy, improving, selling 5 houses over 45 yrs, 1.3M retirement home paid with cash. All 5 with a significant profit and the last one sold in Fla in 2007 :sharebeer
All my brothers and sisters 5-10 yrs younger than me, have never seen a profit. :oops:
jerry
by 2beachcombers
Wed Aug 20, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16924

Re: Capital gains on sale of parents' residence

Both parents have a 250K cap gain exclusion on the house--I have done this twice

jerry
by 2beachcombers
Wed Aug 20, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital gains on sale of parents' residence
Replies: 3
Views: 384

Re: POLL: Age for Collecting Social Security Benefits

70--8mo. to go. When I originally started looking at the options, I decided on 70 as the best guaranteed income for spouse.(the 8% + inflation)=better than any annunity We we lucky in that we had other income in the mean time AND We did not want additional income for tax and medicare bumps. Latter w...
by 2beachcombers
Wed Aug 20, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 8071

Re: POLL: Breaking up with advisor

Left advisor after 3 yrs of missing their own benchmark :oops: i spent these 3 yrs bogleheading and reading many books. Evaluated 3 other firms--found out I had to educate them on SS options, tax advantage placement, Deferred comp, Roth/IRA conversions, and one wanted 2x what i was paying for the on...
by 2beachcombers
Mon Aug 18, 2014 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3417

Re: SS question

Mike--thanks

jerry
by 2beachcombers
Sun Aug 17, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1398

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive...
by 2beachcombers
Sun Aug 17, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1398

Re: SS question

So just to make sure I understand this right.... ... I took my SS at age 62. ... My wife isn't eligible for SS on her own. She took spousal benefit based on my earnings at age 62. ... We are both past FRA now. So if I die she can stop the spousal benefit and begin receiving what I currently receive...
by 2beachcombers
Sun Aug 17, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 14
Views: 1398

Re: What was Underestimated\Overestimated in Retirement

Vacation cost about 3X what was planned. Playing, entertaining about 10X more. Medical cost more( = 0 when I was employed)

Paying smaller taxes and not saving 35% of income allows above to work.

Net/Net spending about the same as when working


jerry
by 2beachcombers
Sun Aug 17, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 5005

Re: Social Security - Receive Any Letters Approaching Age 70

Mike, I called SS yesterday and was surprised at the following: I turn 70 next year in Aug and was planning on not requesting payment till Dec in order to defer income to the following year(marginal tax threshold issues). The SS lady said yes, you would be paid retro, but you would get a 1099 for t...
by 2beachcombers
Wed Jul 30, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2172

Re: Social Security - Receive Any Letters Approaching Age 70

1. Do any instructions or reminder letters arrive approaching Age 70? Well, you do get your Social Security statement. According to the current policy, you would get a paper statement every year from age 60 onward (unless you've signed up for the online account version of the statement). As you've ...
by 2beachcombers
Wed Jul 30, 2014 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Receive Any Letters Approaching Age 70?
Replies: 22
Views: 2172

Re: Do Bogleheads Feel Wealthier?

Spending more as I have become unconcerned about my investments. Happy with my Ida(Bernstein's IDA) portfolio. And if $$ go down, the kids will get less :twisted:
jerry :sharebeer
by 2beachcombers
Tue Jul 29, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4890

Re: Changed asset allocation from 60/40 to 50/50 today

I think the move from 60/40 to 50/50 is a bad idea. Think of yourself as having two portfolios, one for your retirement and one for your kids. Say that you think of 75% of your current assets as being in your retirement portfolio and 25% in a portfolio for your kids. This leaves you with a retireme...
by 2beachcombers
Wed Jun 11, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5618

Re: Poll on Retiree's Health Insurance Plan

medicare + company suppliment
by 2beachcombers
Wed Jun 11, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1431

Re: Young boglehead: Materials science, chemE, or mechE for

I'd go with chemical engineering. It's so broad that you could end up in materials, energy, pharmaceuticals, or a number of other fields. Do you have the required "engineering" background to compete an engineering grad program? As others have mentioned, there is sometimes a large gap betw...
by 2beachcombers
Mon Jun 09, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 1975

Re: Portfolio rejigger? VSS, VBR, muni location?

Although Bernstein(Maiifesto pg 165) recommends LCV international in Tax deferred, I am also looking at IDV(98% QD) to put into my taxable account. I only need to keep dividends in control to maintain MAGI less than the 170K to control Medicare costs for part B premium. Your thoughts? This suggests...
by 2beachcombers
Sun Jun 01, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rejigger? VSS, VBR, muni location?
Replies: 38
Views: 3040

Re: Portfolio rejigger? VSS, VBR, muni location?

Vss,Vwo, Fsivx all are below the 15% LTCG tax rate due to the FTC. So this translates to me that all 3 of these foreign vehicles are good in the taxable account ? This is right, except for the "LTCG" in the tax rate. The tax rate on the dividends for those funds is less than the 15% quali...
by 2beachcombers
Sun Jun 01, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rejigger? VSS, VBR, muni location?
Replies: 38
Views: 3040

Re: Portfolio rejigger? VSS, VBR, muni location?

The tax rates above are 15% for QD and 25% for NQD. I then subtracted the Foreign Tax refund to drive it below the 15%.
Did I goof ? :confused
by 2beachcombers
Sat May 31, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rejigger? VSS, VBR, muni location?
Replies: 38
Views: 3040

Re: Portfolio rejigger? VSS, VBR, muni location?

I know that I would benefit from a step by step procedure for doing this analysis, and it appears that others would as well. Here are the facts that I gather to help make a decision with info based on share price on the last day of previous year: 1. Ticker symbol 2. Share price on 12/31 3. Dividend...
by 2beachcombers
Sat May 31, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio rejigger? VSS, VBR, muni location?
Replies: 38
Views: 3040

Re: Int'l travel & Fidelity card experiences?

Use the fido debit card--fees are waved. There are fees on both the Visa and AMex credit cards
by 2beachcombers
Sat May 31, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Int'l travel & Fidelity card experiences?
Replies: 20
Views: 2155

Re: POLL: If Eligible For Social Security .....

I'm eligible in 3 months but "plan" to file at 70 and take spousal at 66. My wife will retire and take hers at 62 next year. I'd be interested to hear from those on this thread who are already taking their benefit to see if they would have done it differently in hindsight. Cheese Breath a...
by 2beachcombers
Mon Apr 21, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 4819

Re: Blog:William Bernstein’s Coward’s Portfolio

Ida and I have been very happy campers--will stick to Manifesto.

And I thought I was not a coward--------- 69 and 70% equities

jerry
by 2beachcombers
Mon Apr 21, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 35
Views: 7597

Re: Laid off today... TODO list?

Laid off once. 2 months later had job at 2.5X salary :sharebeer

jerry
by 2beachcombers
Tue Apr 15, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 12705

Re: deferred comp plans

7 yrs before I retired I put 50% in a DC plan. Payout 15 yrs--retired at 55. +15 yrs = RMD payouts

Tax rate working 40% now in retirement 25%

Allowed me to delay SS to 70 and convert several 100k IRAs to Roths pre SS. Have also been able to control Marginal tax rate with this plan.

jerry
by 2beachcombers
Tue Apr 15, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: deferred comp plans
Replies: 20
Views: 1890

Re: Anyone use Fidelity as their bank account?

sunspotzsz wrote:Fidelity offers best banking service.

no minimal balance, 2% credit card, no atm fee anywhere in the world, free in&out ach....



+1 and have be with fido for 30 yrs
by 2beachcombers
Tue Apr 15, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 2245
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