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Re: Finding Equivalent Vanguard Muni Fund

He is sitting on a $12,000 capital loss which I would like him to harvest to lower his taxes. This fund has 0.72% ER but still yields an amazing 6.37% according to Morningstar. Exiting this fund is probably a good idea. But before you sell, make sure you 1. Aren't reinvesting dividends in this fund...
by House Blend
Wed Oct 01, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finding Equivalent Vanguard Muni Fund
Replies: 5
Views: 344

Re: Contribute 401k or Roth IRA? AA across tax-deferred and

sliu, It looks like you have the opportunity to contribute quite a bit to tax advantaged accounts, including a 401k, a TSP account, and a SEP IRA. (Plus any employer matches, which must be tax-deferred.) If you could make all of your contributions tax-deferred, could you drop down into the 15% brack...
by House Blend
Wed Oct 01, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute 401k or Roth IRA? AA across tax-deferred and Roth
Replies: 2
Views: 242

Re: Maxing your IRA or 401k at the beginning of the year?

I've never understood the obsession that some BHs have for this. Maybe if 100% of your contributions fit into an IRA+401k, you can make an argument that it somehow matters to get your money into the accounts 6 months early (on average). Me, I just invest whatever cash is available every month, and d...
by House Blend
Tue Sep 30, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing your IRA or 401k at the beginning of the year?
Replies: 11
Views: 842

Re: Roth 401(k) vs. Traditional 401(k)

@rk - Thanks for the link. Will go through it. @campos - You have a point about moving to a low tax state (although pigs might fly before I decide to move out of the Bay Area). I think my main consideration is that of mandatory distributions in the Trad 401(k) which I am not so sure about. I am alr...
by House Blend
Tue Sep 30, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401(k) vs. Traditional 401(k)
Replies: 7
Views: 819

Re: favorite brand name products

Hewlett-Packard calculators. Are they still being made? Certainly HP's overall reputation for quality has nose-dived from where it was in the 1970s. I remember when Dad brought home from work an original HP-35, then later the even more awesome HP-45. http://en.wikipedia.org/wiki/HP-35 http://en.wiki...
by House Blend
Mon Sep 29, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2681

Re: My 30-day trial experience with Betterment

When you are in the 15% tax bracket you want to tax gain harvest, at the 0% cap gains rate. If you tax loss harvest, then your carryover cap losses will effectively turn later cap gains into ordinary income, in terms of their marginal effect. Harvesting cap losses is just foolish in this case. No. ...
by House Blend
Sat Sep 27, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 61
Views: 5909

Re: Insurance Agent / Annuity Question??

+Do most people just leave the $$$ inside the annuity and take the RMDs as they come? +Is it possible to roll over an annuity to a vanguard tradional ira, as you might a 403B or 401k? Another option is to annuitize, if dad needs the income, or in any case, more income than the RMDs would provide. D...
by House Blend
Fri Sep 26, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Insurance Agent / Annuity Question??
Replies: 5
Views: 504

Re: Online privacy and smartphones

Ged wrote:The observation is that if the service you are using is free, YOU are the product.

Warning: sarcasm alert!

So, here at bogleheads.org, we users are the product?

Who are the customers?

I guess it must be the chumps who make donations, since they are the only ones paying for it.
by House Blend
Fri Sep 26, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1258

Re: Mutual Fund NAV & Dividends

Some account holders choose to reinvest their dividends and capital gains. That apparently takes place on the Reinvestment Date, which is the same date as the Ex-Dividend date. That makes sense to me. Other account holders choose to be paid in cash, so why doesn't that event take place on the same ...
by House Blend
Thu Sep 25, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund NAV & Dividends
Replies: 7
Views: 591

Re: Mutual Fund NAV & Dividends

Does this mean that all else being equal in the market, that the reason the NAV dropped between 09/22 & 09/23 is because the Record Date (and that's considered Ex-Dividend) passed? Correct. If you wanted to buy shares of that fund as early as possible, but without buying the dividend, you would...
by House Blend
Wed Sep 24, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund NAV & Dividends
Replies: 7
Views: 591

Re: Vanguard Quarterly Dividends in September

Did anyone else notice the Inflation Protected Securities (TIPS) Fund (VIPSX) failed to make a quarterly distribution? It now has a negative SEC yield. Ouch! Pretty sure that the dividend will be $0.00 this time around. It has happened before. Perhaps it would be less confusing if VG would go ahead...
by House Blend
Wed Sep 24, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5020

Re: Dividends into old IRA after rollover

Your Betterment -> Fidelity move is a trustee to trustee transfer. It doesn't count as a rollover for this once per year rule. http://www.irs.gov/Retirement-Plans/IRA-One-Rollover-Per-Year-Rule If they distribute the leftover dividends to you as cash, and you leave it there, then it counts as a Roth...
by House Blend
Wed Sep 24, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends into old IRA after rollover
Replies: 2
Views: 237

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket. No. Even if you are permanently in the 0% tax bracket, there's no harm in TLH. (But it doesn't help, either.) And if you are in (s...
by House Blend
Tue Sep 23, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 947

Re: Is tax loss harvesting ever a bad idea?

Yes, if you are in a very low tax bracket, it probably doesn't pay to tax loss harvest, especially if you have gains the same year that would go in the 0% LTCG bracket. No. Even if you are permanently in the 0% tax bracket, there's no harm in TLH. (But it doesn't help, either.) And if you are in (s...
by House Blend
Tue Sep 23, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 947

Re: Total Stock Market Dividends

I'm not sure what story this is telling us at the US Corporate level, but I believe the SEC yield on TSM has dropped from something close to 2% to 1.8% now, during the bull market. On the other hand, the NAV of VTSAX on 9/23/2009 was $26.20. Today it is $50.13. An increase of 91%. In dollars per sha...
by House Blend
Tue Sep 23, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1161

Re: Total Stock Market Dividends

Out of curiosity, I looked at the TSM dividends per share for the 3 quarters last year and compared them to this year. It is truly amazing - they really do increase and not by a small amount. Each quarter the increase is between 8 and 10%. A 5 year bull market has something to do with this. If the ...
by House Blend
Tue Sep 23, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1161

Re: Overcontribute to Roth IRA

Not sure about penalties or paperwork, but I believe you would owe tax on the gains. Also, you may be calculating the gains incorrectly. If, on the day you contributed $500 to your Roth, that $500 represented 3.7165% of your Roth account, then 3.7165% of the gains in the account since that time will...
by House Blend
Tue Sep 23, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Overcontribute to Roth IRA
Replies: 1
Views: 365

Re: Location of stocks in retirement: Roth vs. TIRA?

There are no tax consquences to making trades within a trad IRA or a Roth IRA. (And if you have chosen an account custodian wisely, no costs associated to making a trade.) So when measuring the after tax value of such accounts, it doesn't matter how they are invested. So if your portfolio consists o...
by House Blend
Mon Sep 22, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Location of stocks in retirement: Roth vs. TIRA?
Replies: 3
Views: 294

Re: A safe full of cash

Maybe I read too many thrillers! :mrgreen: I think you need to add Cormac McCarthy to your reading list, or put movies based on his novels in your Netflix queue. "No Country for Old Men" should cure you of the urge to hang on to large amounts of cash. "The Road" might convince y...
by House Blend
Fri Sep 19, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3063

Re: Help! Are we making a huge mistake?

Do you want to leave an inheritance to your children or a charity? If so, I'd be more inclined to take the $3m now. It would be nice to leave an inheritance for the kids. Ron Lieber at the NYT has an article reporting on research that says this line of thinking is misguided: http://www.nytimes.com/...
by House Blend
Fri Sep 19, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5093

Re: How to best adjust asset allocation as years pass

Adjusting an AA for .5% increments just doesn't make sense to me. Assuming that you have not had a significant life changing event I can't imagine a reason to change your target AA more often than every five years or so, maybe even every ten as others have suggested. AFAIK my AA can drift +/- 5% be...
by House Blend
Thu Sep 18, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 21
Views: 1788

Re: CalSTRS 403(b) Pension2 to migrate to Voya/ING

Received same letter today, indicating I had to actively move my TIAA traditional (fixed) assets over to Voya. After phone calls, it was clear that ALL my TIAA/CREF accounts would be moved to Voya. The comparative rates between the Voya fixed account and the TIAA account have a Voya as a loser. As ...
by House Blend
Wed Sep 17, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: CalSTRS 403(b) Pension2 to migrate to Voya/ING
Replies: 16
Views: 1494

Re: Vanguard's Market Neutral Fund

There have been previous discussions of this fund here on BH. Try this thread:
http://www.bogleheads.org/forum/viewtopic.php?t=61947

FWIW, I would never choose a fund based on some morningstar medal.
by House Blend
Wed Sep 17, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 4
Views: 539

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. Agreed. I made <50k until about two years ago, and was able...
by House Blend
Tue Sep 16, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10013

Re: Roth Conversion Caution

What I did not know at the time, was the IRS formula for the amount of my social security that is taxed. Most information says up to 85%, but if you have a middle class income, the amount taxed, can be much less than the 85%. I converted $24k to a Roth, but I then moved from 40% of SS taxed to 85% ...
by House Blend
Sun Sep 14, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Caution
Replies: 9
Views: 1219

Re: Vanguard Lost $50k

Just to be clear VG does not monitor this forum particularly--at least not officially--so it is highly unlikely that anything said here changed anything or could be tied back to you with enough specificity to effect change. They fixed it because it was in error. Glad to hear that the mistake was co...
by House Blend
Thu Sep 11, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: My 30-day trial experience with Betterment

The TLH algorithm must be sort of interesting, you are depositing frequently but then they need to not run afoul of the wash sale rule. And apparently they are pretty opaque on the details of what is going on behind the scenes. It would seem they need some sort of window in which they hold deposits...
by House Blend
Thu Sep 11, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 61
Views: 5909

Re: How well do you understand retirement finance?

No option for understanding retirement finance that isn't 401k and SS? That's all I could think of that would be significant. What are the other significant issues? I think changing the options invalidates all the existing votes, so I'm not sure I want to do that, but I'm certainly interested in wh...
by House Blend
Thu Sep 11, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 858

Re: What should be Shredded

Shredding all of this would be a monumental task. Look for a free shredding event in your community. My credit union offers one about once a year--they let you bring up to X bankers boxes of stuff to shred at no cost. I do have a cross-cut shredder at home for the onesies and twosies, but have used...
by House Blend
Wed Sep 10, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1423

Re: Do you keep paper copies of your investment statements?

I already have electronic statements which I can download from their web site . Suppose the company went bankrupt and I lost access to their web site, would having paper instead of electronic copies be more beneficial to prove my assets with that company? Or does it matter? I prefer paper for annua...
by House Blend
Tue Sep 09, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1910

Re: I am kind of stuck & I am not sure what to do from here

... If tax laws stay as they are (ok, you can stop laughing now), and the OP remains in the 15% bracket in a no tax state, s/he will have negative tax costs for holding VTIAX in taxable. Yes, the Feds will be paying him/her to hold this fund in taxable. (Due to the foreign tax credit.) ... In a lau...
by House Blend
Tue Sep 09, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: I am kind of stuck & I am not sure what to do from here
Replies: 10
Views: 1566

Re: I am kind of stuck & I am not sure what to do from here

19%, Vanguard Wellesley Income Fund Investor Shares (VWINX) according to vanguard this fund is 60-65% bonds at all times & 35-40% stocks. If my calculations are correct, this has my bond allocation of atleast 11% at all times. Sorry, my mistake--I had the Wellesley AA backwards. (Still, the ori...
by House Blend
Tue Sep 09, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: I am kind of stuck & I am not sure what to do from here
Replies: 10
Views: 1566

Re: need help choosing options at TIAA-CREF

glosing, I see from your other thread that your spouse is in the real estate business. On that basis, your family wealth is going to be correlated with the real estate market, so you should think twice before establishing a significant position in TIAA Real Estate. I am the spouse in the real estat...
by House Blend
Mon Sep 08, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: need help choosing options at TIAA-CREF
Replies: 34
Views: 1542

Re: I am kind of stuck & I am not sure what to do from here

Generally it is to your advantage to make IRA (including Roth) contributions for a given year as early as possible to maximize the tax-deferred or tax-free inventment potential. If tax laws stay as they are (ok, you can stop laughing now), and the OP remains in the 15% bracket in a no tax state, s/...
by House Blend
Mon Sep 08, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am kind of stuck & I am not sure what to do from here
Replies: 10
Views: 1566

Re: need help choosing options at TIAA-CREF

glosing,

I see from your other thread that your spouse is in the real estate business. On that basis, your family wealth is going to be correlated with the real estate market, so you should think twice before establishing a significant position in TIAA Real Estate.
by House Blend
Mon Sep 08, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: need help choosing options at TIAA-CREF
Replies: 34
Views: 1542

Re: I am kind of stuck & I am not sure what to do from here

Welcome to the forum. Not sure I understand what the problem is you are trying to avoid. Is your income lumpy? If not, and you are able to save $X every month, why not just buy $X worth of one fund every month, whichever one is most below target? You will need to make sure that the Roth gets its fil...
by House Blend
Mon Sep 08, 2014 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am kind of stuck & I am not sure what to do from here
Replies: 10
Views: 1566

Re: Vanguard Lost $50k

One part of this story being ignored is how useless "flagship" (or other special representatives) are in solving problems. I had a different problem with my account and my "special" representative was no help whatsoever in getting it fixed. Well, in every sufficiently large grou...
by House Blend
Mon Sep 08, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: Specific identification of shares and Vanguard

... the numbers Vanguard will provide you with will be accurate and you will not have to track it yourself. Unless Vanguard makes a mistake. I prefer to also keep track of it myself. But then I also reconcile my check register and credit card statements too. Good point...but I think if people are l...
by House Blend
Mon Sep 08, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 9
Views: 748

Re: Specific identification of shares and Vanguard

If little pain remains, then maybe everyone should really be using specific identification? Specific ID for covered shares should be the preferred choice for a Boglehead who wants to minimize tax costs. How can one see all the tax lots for a fund at Vanguard? Does that require first setting the cos...
by House Blend
Sun Sep 07, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 9
Views: 748

Re: POLL: Has a financial firm made a mistake with your mone

I've had lots of weird things happen over the years. Probably the biggest mistake involved my bank, but was the fault of my employer. It was the early 90's, long before everyone could do their banking over the internet. High tech meant using a touch tone phone to do balance inquiries or pay off a cr...
by House Blend
Sun Sep 07, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2647

Re: Reinvest dividends and capital gains?

Thanks for the answers, I am in the accumulation phase, use Vanguard TSM and TISM index funds in my taxable account and am in the high tax bracket. I would reinvest all the gains/dividends regardless where they go. The goal would be to avoid of small lots. It would make sense then to direct both th...
by House Blend
Sat Sep 06, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 3868

Re: Optimizing Tax Efficiency vs. Minimizing Expenses

TIAA Traditional Annuity RA (currently 3.50%, guaranteed min 3.00%) TIAA Traditional Annuity GSRA (currently 3.00%, guaranteed min 3.00%) And this is a better way to hold fixed income. I prefer the RA for the higher returns (usually 0.75% higher), although it is less liquid; the GSRA can be liquida...
by House Blend
Fri Sep 05, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Optimizing Tax Efficiency vs. Minimizing Expenses
Replies: 32
Views: 2172

Re: IRA asset allocation and taxes

My taxes are significant and I feel I could reduce taxes markedly by how I allocate my investments in my traditional IRA and my ROTH. From what I'm seeing so far, it appears that if I put my stocks in my ROTH and my bonds in the traditional IRA I would save in taxes. Am I correct? There's no way fo...
by House Blend
Fri Sep 05, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA asset allocation and taxes
Replies: 5
Views: 443

Re: IRA asset allocation and taxes

In many scenarios it is perfectly sane to use the same allocation in both Roth and trad IRAs. This way you know for sure that your risk exposures are not being distorted by taxation effects. (Such distortions are often poorly understood by the "stocks in Roth" fanatics.) If your IRA withdr...
by House Blend
Thu Sep 04, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA asset allocation and taxes
Replies: 5
Views: 443

Re: Optimizing Tax Efficiency vs. Minimizing Expenses

No, I do not qualify to contribute to a Roth. If this is your first time investing and you have no money in an IRA, you can almost certainly do a backdoor Roth IRA if your income is too high to contribute directly to a Roth IRA: http://www.bogleheads.org/wiki/Backdoor_Roth_IRA Yes, I have read abou...
by House Blend
Wed Sep 03, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Optimizing Tax Efficiency vs. Minimizing Expenses
Replies: 32
Views: 2172

Re: Eliminate small MF lots?

And never reinvest dividends in taxable accounts, creates a PITA for recordkeeping. I just made my first purchase of a fund in my VG taxable account and elected to reinvest any distributions...now you have me concerned that I've misunderstood something. Aren't these shares considered to be 'covered...
by House Blend
Tue Sep 02, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Eliminate small MF lots?
Replies: 16
Views: 1149

Re: Bonds for young(er) people

As I often say on bond threads, don't overthink this and resist the temptation to collect a few funds to "diversify". The only other candidates for THE bond recommendation are the tax-exempt fund for taxable accounts and high tax brackets, and bank CDs which are right now very attractive ...
by House Blend
Mon Sep 01, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 897

Re: How does the Tax-Managed Balanced achieve tax efficiency

My concern there is rebalancing - do they do something special with the balanced fund to cause lower tax impact than if I did the rebalancing myself? And if I did it myself, would I need to do it every year plus one day to make the gains be long-term? A mini-essay on tax-efficiency: If you are conc...
by House Blend
Mon Sep 01, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: How does the Tax-Managed Balanced achieve tax efficiency?
Replies: 6
Views: 687

Re: milestones, skepticism, wealth creation. A thought

Here is my thinking on this: If one is saving a lot, then they will have maxed out their retirment plan contributions and will be forced to save in a taxable account. Or perhaps one has received a significant inheritance that ended up in a taxable account. In any event, Line 9a is a measure of most...
by House Blend
Fri Aug 29, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: milestones, skepticism, wealth creation. A thought
Replies: 16
Views: 2131

Re: I'd buy an S&P 500 index fund in a pinch

Front-running may be getting harder to do with the S&P500, but at least historically it has been another reason to prefer other US indexes. Opportunities to front-run an index that includes almost everything are much rarer. Even though it has slightly higher expenses, I prefer VG Large Cap Index...
by House Blend
Fri Aug 29, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5716
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