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Re: When to sell a mutual fund?

Do you have an investment plan and an asset allocation that says how much of each asset class you should have in the portfolio to control risk. For example, if your asset allocation calls for healthcare to be 10% of your portfolio, and you see that you have 20%, perhaps you should sell some to get b...
by DSInvestor
Sat Apr 25, 2015 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund?
Replies: 4
Views: 299

Re: Rebalancing taxable account :: capital gains :(

If you call Schwab, a rep can probably walk you through the steps to find your cost basis and unrealized gains/losses.
by DSInvestor
Sat Apr 25, 2015 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing taxable account :: capital gains :(
Replies: 10
Views: 822

Re: Compare total return from different companies

livesoft wrote:If one doesn't want to use a chart, then one can use the "Performance" tab instead.

Livesoft, thanks for that tip. It's nice to be able to see a chart and a table showing total return by year for multiple funds.
by DSInvestor
Sat Apr 25, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Compare total return from different companies
Replies: 6
Views: 191

Re: Backdoor Roth IRA conversion: question about wiki info

When you say "IRA basis", is that the same thing as "non-deductible IRA contribution"? IRA basis is the non-deductible money or money that has already been taxed. Form 8606 tracks the IRA basis and performs the calculations to determine how much IRA basis is used up on withdrawa...
by DSInvestor
Sat Apr 25, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA conversion: question about wiki info
Replies: 5
Views: 201

Re: Compare total return from different companies

The growth charts are total return. Price charts are not total return.
by DSInvestor
Sat Apr 25, 2015 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Compare total return from different companies
Replies: 6
Views: 191

Re: Compare total return from different companies

Morningstar.com will allow you compare funds from any fund family. Look up any fund at morningstar, then click on the charts tab. Enter the tickers for other funds in the field called "compare to symbol". Fidelity.com can create compare charts too. Look up any fund at fidelity.com. Scroll ...
by DSInvestor
Sat Apr 25, 2015 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Compare total return from different companies
Replies: 6
Views: 191

Re: Backdoor Roth IRA conversion: question about wiki info

There is no requirement to convert all assets. Partial conversions are allowed. If you have a TIRA of 20K with 5K basis and you do a partial conversion of 5K, you cannot cherry pick the basis and make the 5K conversion tax free. The partial conversion of 25% of the TIRA requires that the IRA basis b...
by DSInvestor
Sat Apr 25, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA conversion: question about wiki info
Replies: 5
Views: 201

Re: investing $3,000 with Vanguard

If your desired asset allocation is close to 40% stocks 60% bonds, LifeStrategy Conservative Growth VSCGX er=0.15% If your desired asset allocation is close to 60% stocks 40% bonds, LifeStrategy Moderate Growth VSMGX er=0.16% Laura's post on Investment Planning: https://www.bogleheads.org/forum/view...
by DSInvestor
Sat Apr 25, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing $3,000 with Vanguard
Replies: 3
Views: 523

Re: Which mortgage loan would you choose (recast or not)?

Your mortgage payment is the minimum payment that you must make. I assume that you'll be making extra principal payments from day 1 to pay down the mortgage principal. (i.e. $5,473 + 8K of extra principal every month). This would be better than making your regular mortgage payment and saving up 200K...
by DSInvestor
Sat Apr 25, 2015 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Roth IRA options when you can't contribute to it anymore

Definitely do not cash out your Roth IRA. Are you contributing to Roth 401k or Traditional 401k? If you're close to the MAGI limits and contributing to Roth 401k, changing contributions to Traditional 401k may reduce your MAGI enough to allow Roth IRA contributions. If you've already maxed out the R...
by DSInvestor
Fri Apr 24, 2015 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA options when you can't contribute to it anymore
Replies: 10
Views: 860

Re: Which mortgage loan would you choose (recast or not)?

Sorry, you're correct. I will ask Chase about the recast. If the fee is small, it favors Chase. Unfortunately, we live in HCOL area and can't find a house for better price unless it's a fixer-upper. Ouch! 1.5M for a fixer upper. My family lives in SF Bay Area and certain neighborhoods there are lik...
by DSInvestor
Fri Apr 24, 2015 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Which mortgage loan would you choose (recast or not)?

The rate will stay the same (3.625%) at WF for the recast over the next 30 years. Chase does offer recast, but I don't know what the rate will be 2-3 years (or more) from now. I don't think a recast changes the interest rate of a fixed rate loan. It just re-amortizes the loan at the same rate to ta...
by DSInvestor
Fri Apr 24, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Which mortgage loan would you choose (recast or not)?

You're taking out a very large mortgage. If it's going to bother you to have a portion of the mortgage that is not deductible, save for a larger down payment. If you'll sleep better with less debt, don't borrow as much. This can be achieved by saving more or buying a less expensive house. Do not put...
by DSInvestor
Fri Apr 24, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Which mortgage loan would you choose (recast or not)?

OK, it will take you 2-3 years to reduce principal by 200K while you're paying $5473 in mortgage payments, and probably 1800/month in property tax, HO insurance, homeowner association fees and spending to furnish this new home. How long would it take you to accumulate $200K of additional home downpa...
by DSInvestor
Fri Apr 24, 2015 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Which mortgage loan would you choose (recast or not)?

Recasting will help you lower your monthly payment if you make a large principal payments ahead of schedule. If you're able to afford the $5473 and pay down 200K principal bring mortgage balance down to $1MM, the smaller payment from a recast may not be any benefit at all. Do you expect to pay addit...
by DSInvestor
Fri Apr 24, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan would you choose (recast or not)?
Replies: 22
Views: 648

Re: Muni bond fund vs taxable

Don't forget to include Vanguard Intermediate term Tax exempt VWITX VWIUX which is a national tax exempt bond fund. Some california investors may not be comfortable with a large allocation of california bonds and hold the national tax exempt bond fund as well for more diversification. Here's a link ...
by DSInvestor
Fri Apr 24, 2015 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Muni bond fund vs taxable
Replies: 6
Views: 543

Re: Quickie to clarify confusion re: 0% long-term capital ga

Who's right? You are right. Your tax bracket is 15% and is determined solely by your ordinary income. Only that part of cap gains that does not put your AGI over the 15% bracket is taxed at 0%. The remainder is taxed at 15%. Actually I believe the tax bracket is determined by the taxable income (li...
by DSInvestor
Fri Apr 24, 2015 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 21
Views: 1187

Re: Will you buy an Apple Watch?

Any buyers today? If you're looking for a smartwatch that will last generations, the Apple Watch won't be the one for you, according to iFixit. iFixit, which regularly does teardowns of high-profile gadgets, found that the Apple Watch, which launches on Friday, won't be upgradable, which means user...
by DSInvestor
Fri Apr 24, 2015 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22186

Re: Maxing out 403B, spending inherited cash?

pay off the credit card and the 4.5% car loan
Max out all tax advantaged plans His and her employer plans, His and Her IRAs.
by DSInvestor
Fri Apr 24, 2015 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403B, spending inherited cash?
Replies: 2
Views: 202

Re: Low Cost Adviser with Vanguard as Custodian?

Thanks, I forgot about the Personal Advisor Service Vanguard launched. I will look into that more. I would consider Target Date and Lifestyle except about 2/3 of our assets are in taxable accounts and I think a low cost advisor may add enough value to justify the cost if I were not around. That's a...
by DSInvestor
Fri Apr 24, 2015 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Cost Adviser with Vanguard as Custodian?
Replies: 9
Views: 763

Re: Quickie to clarify confusion re: 0% long-term capital ga

I think I got it now, thanks to your help here and also that Taxcaster tool. Where my Vanguard advisor was wrong, and was creating confusion, was his belief that if my ordinary income minus deductions (standard in my case) put me in the 15% tax bracket, then ALL of my LTCG would be tax-free. What I...
by DSInvestor
Fri Apr 24, 2015 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 21
Views: 1187

Re: Bond: Mutual Fund or ETF?

Ah, come on, where's the fun in buying a mutual fund at NAV? Ha Ha Ha. OK, yeah, I get it. A mutual fund would be a better choice, but I like my Schwab account and am looking for ETFs that Schwab is operating. So, SCHZ is appealing. But, really for me, I'm just trying to learn by doing. I've done e...
by DSInvestor
Fri Apr 24, 2015 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond: Mutual Fund or ETF?
Replies: 31
Views: 1643

Re: Quickie to clarify confusion re: 0% long-term capital ga

Given the numbers in your example, the Vanguard advisor is correct about the tax but perhaps by accident. You're correct in your understanding of the LTCG tax rates but not correct in your calculation of Taxable Income. The tax brackets are based on Taxable Income (line 43 on the 1040). Taxable Inco...
by DSInvestor
Fri Apr 24, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 21
Views: 1187

Re: Quickie to clarify confusion re: 0% long-term capital ga

You can see this very easily using taxcaster. Enter your long term capital gains in the section for "other income". https://turbotax.intuit.com/tax-tools/calculators/taxcaster/ The vanguard advisor may be assuming that you're in the 15% bracket with the LTCG. LTCG and QDI are included in A...
by DSInvestor
Fri Apr 24, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 21
Views: 1187

Re: Bond: Mutual Fund or ETF?

I imagine Schwab ETFs are commission free at Schwab but have you considered Vanguard's Total Bond Market BND ETF? It seems to have 15X the volume and may have narrower spreads.
by DSInvestor
Fri Apr 24, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond: Mutual Fund or ETF?
Replies: 31
Views: 1643

Re: Low Cost Adviser with Vanguard as Custodian?

What about switching all assets to a Target Retirement or Lifestrategy fund that matches your (her) desired asset allocation?
by DSInvestor
Fri Apr 24, 2015 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Cost Adviser with Vanguard as Custodian?
Replies: 9
Views: 763

Re: Will I regret selling this house?

Do you have an offer at the full asking price and no contigencies? If yes, does that mean you're required to sell the house? Nolo.com - Can a house seller refuse a full price offer? http://www.nolo.com/legal-encyclopedia/question-can-house-seller-refuse-full-28263.html I recently sold my home (condo...
by DSInvestor
Thu Apr 23, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Will I regret selling this house?
Replies: 17
Views: 1890

Re: Contribution Limit Question

The sum of employee contributions to Traditional 401k and Roth 401k cannot exceed 18K for 2015. If you are age 50+ you're allowed an extra 6K of catch up contributions. Roth IRA contribution limit is 5.5K or 6.5K if age 50+ and these limits are separate from 401k limits. If you are married, your spo...
by DSInvestor
Thu Apr 23, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribution Limit Question
Replies: 4
Views: 338

Re: Giving Vanguard VTSMX as a Wedding Gift

Give cash as the wedding gift and donate the shares to charity.
by DSInvestor
Thu Apr 23, 2015 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2406

Re: Why is the big difference between FSIVX and VTIAX

Fidelity Spartan International Index does not include Emerging Markets. VTIAX Total International Stock Market Index includes Emerging Markets at around 18-22%. Have you looked at the fund's web pages or prospectus? Those should tell you the composition of the funds and the index that they track. Ho...
by DSInvestor
Thu Apr 23, 2015 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Why is the big difference between FSIVX and VTIAX
Replies: 2
Views: 509

Re: Help direct contributions between Roth and Traditional I

Thanks for the advice so far. Sorry, I meant to imply that my wife is currently not employed. she stays at home with our two children. Currently, it is a bit of a stretch to max out our tax-advantaged options. We can do it, but it requires some careful budgeting. I guess I'm kinda wondering if it m...
by DSInvestor
Tue Apr 21, 2015 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 316

Re: 30 y/o looking for proper asset allocation

I would suggest opening an account(s) with TD and investing in TD e-series funds. There are four funds that you could use to build a diversified portfolio: TD Canada Bond Index-e MER=0.50% TD Canadian Index-e MER=0.33% TD US Index-e MER=0.35% TD International Index-e MER=0.51% Link to TD page on TD ...
by DSInvestor
Tue Apr 21, 2015 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 y/o looking for proper asset allocation
Replies: 15
Views: 1432

Re: Help direct contributions between Roth and Traditional I

I would try to keep it simple. 1. Max out your Traditional 401k (this maximizes your tax deduction). 2. You're in phase to take the TIRA deduction, so max out your Roth IRA. 3. Your wife can fully deduct TIRA contribution. If you want the tax deduction, max out her Traditional IRA. If you don't want...
by DSInvestor
Tue Apr 21, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 316

Re: Someone please explain why ibonds are so great?

bond funds will decline in value if interest rates rise.

I bonds will not decline in value if interest rates rise.
by DSInvestor
Tue Apr 21, 2015 12:17 am
 
Forum: Investing - Theory, News & General
Topic: Someone please explain why ibonds are so great?
Replies: 16
Views: 2200

Re: Can I open a Vanguard Brokerage account with my...?

If you've already maxed out your IRA contributions for the year, you can alway do a rollover of some your IRA assets into a new IRA at Vanguard where you can buy Admiral shares.
by DSInvestor
Mon Apr 20, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 25
Views: 1567

Re: Just got contact lenses. Should I buy backup glasses?

I've however never needed glasses as a during-the-day backup to my contacts, have been with contacts for decades. A good place to get a cheap pair of backups is Zenni.com - no need to spend $300+ for overpriced frames/lenses when you can get them for $30 or even less from Zenni. Zenni is great. I b...
by DSInvestor
Mon Apr 20, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Just got contact lenses. Should I buy backup glasses?
Replies: 22
Views: 1001

Re: 3 Fund Taxable Portfolio - Vanguard or Fidelity

Fidelity brokerage accounts can hold pretty much anything. Fidelity brokerage accounts are excellent. website and service are excellent. Vanguard mutual fund accounts can hold only mutual funds. They are simple and easy to use. I don't have any issues with Vanguard mutual fund accounts. Vanguard Bro...
by DSInvestor
Mon Apr 20, 2015 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Taxable Portfolio - Vanguard or Fidelity
Replies: 28
Views: 1962

Re: 3 Fund Taxable Portfolio - Vanguard or Fidelity

The Vanguard Total Bond Market Index and Fidelity Spartan US Bond index funds are taxable bond funds and are not tax efficient. I'm not sure what tax bracket you're in for Fed and State but there is no 30% tax bracket. If 30% is your effective tax rate, then your marginal rates are likely to be much...
by DSInvestor
Mon Apr 20, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Taxable Portfolio - Vanguard or Fidelity
Replies: 28
Views: 1962

Re: Solo 401K a no-brainer over company 401k?

With that 1099 side income, Solo 401k is an option for you. Solo 401k allows for two types of contributions: 1) Employer profit share of approximately 20% of your sole proprietor net business income. 2) Employee salary deferral 18K. Note that this 18K limit is shared with your other 401k at your mai...
by DSInvestor
Mon Apr 20, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401K a no-brainer over company 401k?
Replies: 11
Views: 858

Re: Cash out a Simple?

Okay, if I leave the 3k in the Simple for the 2 year probation, and do a backdoor roth, I would be taxed on the 3k correct? Then if I do a backdoor roth on year 2 I would be taxed on the 3k again? Moreover, if I decide to convert the Simple to the roth after the 2 year probation, I would be taxed a...
by DSInvestor
Sun Apr 19, 2015 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out a Simple?
Replies: 13
Views: 887

Re: Qualified dividends in international funds

The iShares ACWX ETF only seems to hold 1,141 stocks vs Total International's 5905.

The iShares ETF uses representative sampling which explains why there are far fewer holdings and may also help explain the higher QDI figures.
by DSInvestor
Sun Apr 19, 2015 11:39 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends in international funds
Replies: 11
Views: 526

Re: Sad calculation (max IRA contributions)

In Canada, they have something called RRSP (Registered Retirement Savings Plan) which is like our IRA but with higher contribution limits. Imagine an IRA with 25K contribution limit and anyone with compensation can contribute to RRSP provided by their employer or to one of their choosing if they do ...
by DSInvestor
Sun Apr 19, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1151

Re: Qualified dividends in international funds

According to this IRS page http://www.irs.gov/instructions/i1099div/ar02.html#d0e150 Qualified foreign corporation. A foreign corporation is a qualified foreign corporation if it is: ⋅ Incorporated in a possession of the United States or ⋅ Eligible for benefits of a comprehensive...
by DSInvestor
Sun Apr 19, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends in international funds
Replies: 11
Views: 526

Re: Qualified dividends in international funds

Here's a link to page that talks about foreign qualified dividend income: http://sherayzenlaw.com/foreign-qualified-dividend-income/ Qualified Foreign Corporation IRC Section 1(h)(11)(C)(i) defines the concept of qualified foreign corporation as (subject to certain exceptions) any foreign corporatio...
by DSInvestor
Sun Apr 19, 2015 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends in international funds
Replies: 11
Views: 526

Re: Qualified dividends in international funds

If you don't like the tax treatment of international funds, reduce or eliminate your allocation to them. You have to decide what's more important to you, the tax treatment or the diversification. Didn't John Bogle say that he'd be comfortable with just US stocks given that US companies do so much bu...
by DSInvestor
Sun Apr 19, 2015 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends in international funds
Replies: 11
Views: 526

Re: Question about Citi Double Cash Card

My understanding is that purchases must be in the "Purchase Tracker" first, which doesn't happen until days after the purchases is made. Thus if you pay off your bill right away, before the purchases are listed in the "purchase tracker", would you not get the 1% cash back for th...
by DSInvestor
Sun Apr 19, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 15
Views: 2082

Re: Marginal benefit of spending more on car

Do you like doing outdoors stuff - trips to Lake Tahoe, skiing, national parks, Utah, Montana, Wyoming? For this kind of stuff, a subaru outback or impreza would be good. If you're just looking to drive in the city and highway, a small reliable compact fuel efficient car like Honda Fit, Civic, Toyot...
by DSInvestor
Sun Apr 19, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4720

Re: What Guaranteed Return Would You Require to Move All Ass

I would not need any guarantee of return to move all assets from a company that charges 2% in fees to another company that charges 0.10% in fees. At bogleheads.org, we suggest this all the time. The fund you're describing sounds like a Madoff fund and I would not move any money into it no matter how...
by DSInvestor
Sun Apr 19, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3139

Re: “Entry level” luxury cars under 40k

ESK wrote: I am reluctantly conceding that we will have to get a car loan to buy a car that my husband can stand driving.

Don't.
by DSInvestor
Sun Apr 19, 2015 2:02 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7865

Re: Long Term Capital Gains Question

LTCG is included in your AGI and Taxable Income but are taxed at lower rates than ordinary income. Only the portion of the LTCG that falls in the 15% bracket or lower receive the 0% tax rate for Fed taxes. The portion that falls in the 25% tax bracket or higher are taxed at higher rates. While some ...
by DSInvestor
Sat Apr 18, 2015 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Capital Gains Question
Replies: 2
Views: 370
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