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Re: Tax loss harvesting

Wow, this has turned out to be an incredibly helpful thread. Perhaps a wiki update with some of these points is in order?
by Bubbagump
Thu Aug 28, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Re: Tax loss harvesting

Here are my TLH tips: http://www.bogleheads.org/forum/viewtopic.php?p=191615#p191615 http://www.bogleheads.org/forum/viewtopic.php?p=1556634#p1556634 http://www.bogleheads.org/forum/viewtopic.php?p=747133#p747133 and so on. Interesting. You are pretty adamant about NOT letting things become a long ...
by Bubbagump
Thu Aug 28, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Re: Tax loss harvesting

It turns out that TLH is easier with Vanguard mutual funds than with ETFs. For instance, my last TLH with Vanguard funds was a simple exchange of shares of Total Stock Market Index fund into Large-cap Index fund. Can I ask you if you have exchanged funds at Vanguard before? How hard was it? Not dif...
by Bubbagump
Thu Aug 28, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Re: Tax loss harvesting

4. Since most years in the stock market are up, one should not have much TLHing to do … perhaps a little bit every 3 years or so. However, 2008-2009 was special, as was 2000. this is the biggest drawback to TLH that I have encountered since I learned about it 8 months ago. Occasionally I would buy ...
by Bubbagump
Thu Aug 28, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Re: Tax loss harvesting

So it sounds like I mostly get it. The $3k is what is throwing me. What is that all about? I read the wiki like 5 times and still don't know what that is. It seems the sticking point is regular income. So am I to understand that you take a write off at a 15/20% rate, but the first $3k against standa...
by Bubbagump
Wed Aug 27, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Tax loss harvesting

I understand what tax loss harvesting is. What I don't understand is what the real benefit is for the trouble. So to make sure I have my theory correct... Say we have a down year on the domestic market. Before the end of the tax year, I would sell say a total stock market index and either sit on the...
by Bubbagump
Wed Aug 27, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1485

Re: What is your experience managing a 8 or 9 digit portfoli

I would say the biggest and really only difference on the investment side of things is being a bit more clever regarding tax efficiency. You will be in a high tax bracket so munis to round out your bond allocation in a taxable account. As for first and second hand... I spoke with the big shots on a ...
by Bubbagump
Mon Aug 25, 2014 2:12 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your experience managing a 8 or 9 digit portfolio
Replies: 11
Views: 2214

Re: Muni vs TIPS vs TBM

80% equities is more than enough inflation-protection... Are stocks really a hedge against inflation? http://inflationdata.com/articles/2012/01/21/inflation-stock-market-correlation/ http://www.cbsnews.com/news/how-inflation-affects-the-stock-market/ Seems to say there is not a tight correlation. R...
by Bubbagump
Mon Aug 25, 2014 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1251

Re: Muni vs TIPS vs TBM

This helps a lot. It seems every time I get into these mental gymnastics, the simple answer generally prevails. So it seems VOHIX is not worth it considering the actual tax calculation in Ohio versus its yield and added risk (aka, I'll take my risk on the equity side). It seems TIPS may be worth loo...
by Bubbagump
Sun Aug 24, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1251

Re: Muni vs TIPS vs TBM

I found this http://www.bogleheads.org/forum/viewtopic.php?t=60475 and it seems the VOHIX seems like a waste of time. Then I also found this http://www.forbes.com/sites/rickferri/2013/10/07/tips-on-tips/ which seems pretty convincing and jives with Vanguard more or less, that other link and Malkiel....
by Bubbagump
Sun Aug 24, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1251

Muni vs TIPS vs TBM

I have maxed out my tax free accounts and in order to keep my AA I need to start to put bonds into my taxable account. My current AA is 80/20 as I am 35 and ok being a bit aggressive. Up until now I have used a basic 3 fund portfolio -- 60% VTSAX, 20% VTIAX, 20% VBTLX. I am also in a high tax bracke...
by Bubbagump
Sun Aug 24, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1251

Re: Fixing grandma's portfolio

Indeed, I am digging into cost basis for each and as one might expect, these is little capital gains. 5.75% front load and 2.5% yearly fees take their toll apparently. Thanks for the 3 fund info, but well aware on that. I figured a 20/80 mix was the other alternative. Target Retirement Income seemed...
by Bubbagump
Mon Jul 07, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 926

Fixing grandma's portfolio

As the "investor" of the family I have been tasked with helping to clean up my grand mother's portfolio. She has investments in a mix of individual stocks and terribly expensive active funds. She is 90 years old and the goal here is income as I would imagine we are looking at 10 years maxi...
by Bubbagump
Sun Jul 06, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 926

Re: SIMPLE IRA versus Traditional

I am not one to forget. I passed my two years and am ready to execute. The investment planner dude the office used to setup the SIMPLE IRA was none too happy when I sent him a message telling him to start putting my money in the cheapest thing they have. He swears he'll change my mind and find activ...
by Bubbagump
Mon Apr 28, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1773

Re: Early retirement help

Man, and I thought this would be more exciting, Cayman Island, Swiss Bank sounding. Thank you for confirming my suspicions of this coming down to nothing fancy. :D I am not terribly worried about principal in that case as I figure standard rebalancing principles still apply. If bond rates go up, the...
by Bubbagump
Tue Dec 17, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 845

Re: Early retirement help

A CD ladder seems perhaps too "safe". What is the down side of just 50% VBTLX (more or less going for a balanced AA)? I'll make 2.5% yield on VBTLX versus 1-1.5% in CDs and would still get taxed the same. Is there another advantage to CDs I am missing?
by Bubbagump
Tue Dec 17, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 845

Early retirement help

I am in the middle of selling my business with the resultant take home of ~$10mil. I am 35 and looking to retire early... or at the very least not worry about a day job terribly much. (10 years of 80 hour weeks has been enough and I need a rest for at least a while.) Currently I have VTSAX, VTIAX, a...
by Bubbagump
Tue Dec 17, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 845

Re: Pay down mortgage or invest?

This is interesting to me: http://www.hughchou.org/calc/payoff_v_borrow.cgi At least in my case, it was practically a wash. The real question is over the long haul, what can you expect your investment returns to realistically be as well as tax bracket? You really hope (assuming you are a wage earner...
by Bubbagump
Sun Sep 01, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest?
Replies: 15
Views: 2033

Re: SIMPLE IRA versus Traditional

Well, it sounds like right now I have to sit and wait as I am about 14 months into the 2 years. Even though I am losing to fees, get a decent enough managed fund and maybe make 10% in the mean time. Thanks a lot folks.
by Bubbagump
Fri May 10, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1773

Re: SIMPLE IRA versus Traditional

I read that before posting and I think I missed the point. The key paragraph is: With Form 5305-SIMPLE IRAs an employee should always seek to reduce transfer costs by selecting the lowest cost fund in the employer's plan for accumulating assets for transfer. In the case of load fund SIMPLE IRA's thi...
by Bubbagump
Fri May 10, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1773

SIMPLE IRA versus Traditional

My employer offers a SIMPLE IRA plan. Currently I am enrolled. Frankly the "adviser" we have is a creep and I trust him as far as Ic an throw him. That said, this got me thinking... I really want to get my retirement money into indexes, but of course the SIMPLE IRA doesn't offer low cost/p...
by Bubbagump
Fri May 10, 2013 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1773

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