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Re: How may I minimize premium/spread/impact costs with VSS?

Thank a lot everybody, especially grabiner and livesoft. The other threads about trading ETFs were also very interesting. It's really an art, apparently! I think I now have enough understanding to not waste a lot of money next time :)
by Roozbeh
Sun Apr 21, 2013 3:26 am
 
Forum: Investing - Help with Personal Investments
Topic: How may I minimize premium/spread/impact costs with VSS?
Replies: 15
Views: 872

How may I minimize premium/spread/impact costs with VSS?

We have all our investment in mutual funds, with one exception, VSS (Vanguard FTSE All-World ex-US Small-Cap ETF). This is because its investor shares have high purchase and redemption fees. So, what are some tricks for trading VSS better? Should I check VSS.IV and make sure I don't buy/sell at a hi...
by Roozbeh
Fri Apr 19, 2013 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How may I minimize premium/spread/impact costs with VSS?
Replies: 15
Views: 872

Re: First Meeting of '13 for San Francisco/Bay Area/San Jose

Kathleen Ryan wrote:Hi Roozbeh,

Thank you, will you be attending? 8-)


I RSVP'd by email. I plan to, unless I can't (due to health issues).
by Roozbeh
Thu Feb 14, 2013 11:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: First Meeting of '13 for San Francisco/Bay Area/San Jose/
Replies: 8
Views: 1092

Re: First Meeting of '13 for San Francisco/Bay Area/San Jose

This is great. I hope this would be the first of my many Bogleheads meetings :)
by Roozbeh
Sun Feb 10, 2013 1:32 am
 
Forum: Local Chapters and Bogleheads Community
Topic: First Meeting of '13 for San Francisco/Bay Area/San Jose/
Replies: 8
Views: 1092

Re: American Taxpayers Relief Act of 2012 resources:

Something I couldn't find was the withholding amount for bonuses ("supplemental wages"). It used to be 25% (going to 35% for 1M+), and it was supposed to go to 28% in 2013. Has that been reverted back to 25%?
by Roozbeh
Thu Jan 03, 2013 2:02 am
 
Forum: Investing - Theory, News & General
Topic: American Taxpayers Relief Act of 2012 resources:
Replies: 103
Views: 6895

Re: Trick to get 15% LTGC rate by holding futures?

I guess I misunderstood what the author of the Times article meant. I thought it meant you can get 15% treatment for your short-term capital gains on index funds if you also hold their futures for 10 minutes. Would that be how a straddle works?
by Roozbeh
Wed Jan 02, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trick to get 15% LTGC rate by holding futures?
Replies: 6
Views: 411

Trick to get 15% LTGC rate by holding futures?

Hi,

This article in the New York Times claims that one can:
own stock index futures for 10 minutes and have 60 percent of their gain taxed at 15 percent, as if they’d been long-term investors.

How is that done? Anybody has an idea?
by Roozbeh
Wed Jan 02, 2013 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trick to get 15% LTGC rate by holding futures?
Replies: 6
Views: 411

Re: American Taxpayers Relief Act of 2012 resources:

What happened to the 18% very long capital gains rate, for assets held more than five years that was supposed to go into effect in 2013?
by Roozbeh
Wed Jan 02, 2013 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: American Taxpayers Relief Act of 2012 resources:
Replies: 103
Views: 6895

Morningstar just removed international stock allocations?

A while ago, based on Christine Benz's recommendations in her book 30-Minute Money Solutions, I decided to use Morningstar's asset allocations indexes for my asset allocation. They consider the human capital in their indexes, and the work is done by Ibbotson: http://corporate.morningstar.com/us/docu...
by Roozbeh
Wed Jan 02, 2013 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar just removed international stock allocations?
Replies: 0
Views: 224

Re: What do with a harvested capital loss?

What is your marginal income tax bracket? If above 15% this year or 20% next year, you get more bang for your buck by using the $3,000 annual loss limit on the above-the-line reduction of income on Form 1040. 44.3% this year (35% federal because of AMT phaseout, 9.3% state, no state deduction becau...
by Roozbeh
Sun Nov 04, 2012 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do with a harvested capital loss?
Replies: 5
Views: 389

Re: Total Bond Market and state taxes

I see. There's always something new to learn about taxes. Thanks a lot.
by Roozbeh
Sun Nov 04, 2012 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market and state taxes
Replies: 4
Views: 503

Re: California tax efficiency of HSA funds used for retireme

Thank you very much for your advice. Unfortunately I was putting most of the money in the large cap fund for a while (the bond fund is a recent addition), and there is some unrealized capital gains in there, so it's probably best to keep the money there until something happens to the market. I will ...
by Roozbeh
Sun Nov 04, 2012 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: California tax efficiency of HSA funds used for retirement
Replies: 5
Views: 671

What do with a harvested capital loss?

Hi, We have a harvested short term capital loss of about $15,000, and I was wondering what is the best way to use it. We can wait for five years and reduce our earned income by $3,000 each year, or we can realize some capital gains in the years we have any (while rebalancing?). What are the pros and...
by Roozbeh
Sun Nov 04, 2012 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do with a harvested capital loss?
Replies: 5
Views: 389

California tax efficiency of HSA funds used for retirement

Hi, We have a High-Deductible Health Plan (HDHP) and a Health Savings Account (HSA) with my employer. I use it like a retirement account, as described at the wiki here: http://www.bogleheads.org/wiki/Health_Savings_Account#Paying_current_expenses_out_of_pocket The choices available for investing the...
by Roozbeh
Sat Nov 03, 2012 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: California tax efficiency of HSA funds used for retirement
Replies: 5
Views: 671

Total Bond Market and state taxes

Hi, We will need to pay California taxes for Vanguard Total Bond Market Signal (VBTSX) fund, and I was wondering how to figure out how much of the fund's dividends are or have previously been taxable/tax-free for California residents. I know some parts should be tax-free, since a lot of the holdings...
by Roozbeh
Sun Oct 28, 2012 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market and state taxes
Replies: 4
Views: 503

Use I bonds for bond portion of retirement portfolio?

I am trying to figure out if we should replace the bond portion of our portfolio with I bonds, based on what TheFinanceBuff is recommending at http://thefinancebuff.com/double-the-bond-yield-maximize-your-advantages-as-an-individual-investor.html: US Treasury sells I Bonds only to individual investo...
by Roozbeh
Wed Oct 10, 2012 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use I bonds for bond portion of retirement portfolio?
Replies: 8
Views: 1338

Re: Big chunk investment: ETF or mutual fund?

Large amount of Money,more than likely an ETF. For multiple purchases over time you will have brokerage commissions,with ETF. https://www.fidelity.com/learning-center/etf/etfs-cost-comparison But that link talks about many things that don't hold for Vanguard funds. I was thinking Vanguard ETF vs Va...
by Roozbeh
Fri Oct 05, 2012 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Big chunk investment: ETF or mutual fund?
Replies: 5
Views: 438

Big chunk investment: ETF or mutual fund?

I remember some discussion somewhere that one of ETFs or mutual funds is better when you are investing in one large chunk, while the other is better with regular investments. But I could not find any reference to it anymore. It's clearly not mentioned at http://www.bogleheads.org/wiki/ETFs_vs_Mutual...
by Roozbeh
Fri Oct 05, 2012 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Big chunk investment: ETF or mutual fund?
Replies: 5
Views: 438

Re: what are your 401k fees?

We're with Vanguard too. I pay $6 per quarter for the whole account, and we have Institutional Plus shares of Vanguard 500, Extended Market, Total International, and Total Bond, among a few other very cheap funds.
by Roozbeh
Fri Sep 28, 2012 6:07 am
 
Forum: Investing - Help with Personal Investments
Topic: what are your 401k fees?
Replies: 19
Views: 1144

Avoiding the dividend with Vanguard international funds

Hi, We plan to buy some Total International, but we are trying to avoid buying the dividend. The Vanguard website says at https://personal.vanguard.com/us/insights/article/fund-announcement-02292012 If you invest in any of the nine international equity index funds below, you'll now receive dividends...
by Roozbeh
Thu Sep 20, 2012 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding the dividend with Vanguard international funds
Replies: 8
Views: 1030

401(k) risk

I ran into this article on New York Times today: http://www.nytimes.com/2012/08/26/business/401-k-woes-when-a-company-goes-bankrupt-fair-game.html Now I'm wondering what's the risk of keeping money in a 401(k) and how do you measure it? Should one convert or rollover the money out of the 401(k) (or ...
by Roozbeh
Sat Aug 25, 2012 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: 401(k) risk
Replies: 22
Views: 2438

Funds for my employer's HSA

My employer offers a Health Savings Account with HealthEquity, which has a set list of mutual funds. At the moment their list has 58 funds, but most are on the expensive side. Their list looks very random to me. It only has two index funds, VLCSX Vanguard Large Cap Index Signal (ER=0.10%) and DISSX ...
by Roozbeh
Tue May 22, 2012 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funds for my employer's HSA
Replies: 2
Views: 311

AMT finally going away?

From the news, it seems that both President Obama's and Congressman Ryan's proposals for the 2013 budget want to abolish AMT: ⋅  Judge a Tax Plan by Its Loopholes , on Congressman Ryan's ⋅  Obama Budget Bets Other Concerns Will Trump the Deficit on President Obama's How do people...
by Roozbeh
Sun Mar 25, 2012 9:24 am
 
Forum: Investing - Theory, News & General
Topic: AMT finally going away?
Replies: 1
Views: 577

Re: Being "entitled" to tax withholding allowances

Then I have no good advice, other than to increase your income to the level that your marginal rate is 10.3%. The FTB assumes you have a taxable income of $1 million,* so you need that 10.3% withholding. * The top rate is 9.3%, but the Mental Health Services Act Tax adds 1% on incomes over $1 milli...
by Roozbeh
Sun Mar 25, 2012 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Being "entitled" to tax withholding allowances
Replies: 16
Views: 1551

Re: Being "entitled" to tax withholding allowances

Thanks so much everybody. Bogleheads rock! I can't think of any better place to help wrap my head around all these issues. The amount of money we're going to save based on what I've learned from the wiki, the books, and the forum is amazing.
by Roozbeh
Sun Mar 25, 2012 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Being "entitled" to tax withholding allowances
Replies: 16
Views: 1551

Re: Being "entitled" to tax withholding allowances

I am not understanding your tax situation. If you have lots of deductions, they go on line 1 of the DE4. You get 1 allowance for every $1000 of deductions over the standard deduction as I read Worksheet B. Do you really get zero on line 8? We don't have much deductions, but an uncontrollable withho...
by Roozbeh
Sat Mar 24, 2012 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Being "entitled" to tax withholding allowances
Replies: 16
Views: 1551

Being "entitled" to tax withholding allowances

Filling form W-4 (and its state equivalent DE 4), both seem to talk about allowances one is "entitled" to. Here is what W-4 says: Whether you are entitled to claim a certain number of allowances or exemption from withholding is subject to review by the IRS. Your employer may be required to...
by Roozbeh
Sat Mar 24, 2012 5:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Being "entitled" to tax withholding allowances
Replies: 16
Views: 1551

Re: To Roth or not to Roth: What am I missing?

If you open a Traditional IRA, you can decide when to convert it to a Roth IRA. And I would guess that you will not have a 45.23% marginal tax rate every year. If you make more money, you will either reach the top of the AMT personal exemption phase-out (10.23% state tax plus 28% AMT is 38.23%) or ...
by Roozbeh
Sat Mar 24, 2012 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or not to Roth: What am I missing?
Replies: 7
Views: 907

Re: To Roth or not to Roth: What am I missing?

Thanks a lot everybody. I also found this, which shed some light on the mistakes of my analysis:
http://www.joetaxpayer.com/images/ThinkingAboutaRoth401(k).pdf
by Roozbeh
Fri Mar 23, 2012 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or not to Roth: What am I missing?
Replies: 7
Views: 907

To Roth or not to Roth: What am I missing?

Hi, I have been consumed by the idea that Roth seems to be the better option for us, even if we are paying a very high marginal tax rate now because of the AMT. It doesn't make sense to me, but here is my math. Am I making a mistake? The assumptions: Marginal tax rate: 35% federal (because of AMT), ...
by Roozbeh
Fri Mar 23, 2012 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or not to Roth: What am I missing?
Replies: 7
Views: 907

Re: Keep after-tax 401k/a in money market fund or stock inde

If you double check the instructions for converting qualified plans, I believe the difference goes on line 16b of your 1040 for this year (previously on Form 8606) and it appears this difference can be negative. I'm not sure this is the intention or the correct application of the tax law (i.e. that...
by Roozbeh
Thu Mar 22, 2012 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep after-tax 401k/a in money market fund or stock index?
Replies: 5
Views: 595

Keep after-tax 401k/a in money market fund or stock index?

In trying to max out our tax-advantaged space (already filling normal 401k, 403b, etc), my wife and I plan to contribute to our after-tax 401(k) and 401(a) accounts at work and then convert them to Roth IRA. Both plans allow withdrawals while still employed, but only accept contributions by paycheck...
by Roozbeh
Wed Mar 21, 2012 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep after-tax 401k/a in money market fund or stock index?
Replies: 5
Views: 595

Re: Completing an MCSI EAFE+Canada fund

I suppose it is not impossible, but I've never heard of a 401/403b/457 that required you to meet any minimum, $10k or otherwise. It's not that they require us to meet a minimum, but if we're under $10,000 in that fund, they are going to charge us an extra $20 a year, equivalent to at least %0.20 ex...
by Roozbeh
Wed Mar 21, 2012 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Completing an MCSI EAFE+Canada fund
Replies: 7
Views: 506

Russel 3000 vs Vanguard Total Stock Market

The retirement plan at my wife's employer has a Russel 3000 fund at 0.15% expense managed by State Street Global Advisors that we are thinking about investing in for our domestic stock part of our portfolio. Would a Russel 3000 fund have any meaningful difference with Vanguard's Total Stock Market f...
by Roozbeh
Fri Mar 16, 2012 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Russel 3000 vs Vanguard Total Stock Market
Replies: 5
Views: 703

Re: Completing an MCSI EAFE+Canada fund

Thanks so much everybody :happy The problem with using Fidelity ex US as opposed to UC International is the minimum investment. I would have used the Fidelity fund for the simplicity (although it's slightly more expensive). There are three subaccounts (403b, 457b, DCP) with her employer and we don't...
by Roozbeh
Fri Mar 16, 2012 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Completing an MCSI EAFE+Canada fund
Replies: 7
Views: 506

Re: Does your tax accountant charge $1650?

Is it just me then?I assumed some Bogleheads would like to fill their own tax forms (using some software help, of course). Since I have been filing taxes, I have always filled my forms myself (sometimes even helped a friend or relative). Each year, I used the opportunity to learn about more deductio...
by Roozbeh
Thu Mar 15, 2012 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your tax accountant charge $1650?
Replies: 42
Views: 2908

Completing an MCSI EAFE+Canada fund

Both me and my spouse have retirement plans at work that we are trying to look at as one portfolio (with our IRAs). My employer's offers some nice and cheap Vanguard institutional indexes, which is really great, and some active funds, which I'm ignoring. Her employer's plan has some nice indexes too...
by Roozbeh
Thu Mar 15, 2012 5:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Completing an MCSI EAFE+Canada fund
Replies: 7
Views: 506

Re: Now in Wiki: Extended Market Index Fund

The 401(k) at my company (a large software company) actually offers both an S&P 500 fund and an Extended Market Fund. Both are very cheap (Institutional, VINIX and VIEIX, at 0.04% and 0.12%). But the optimizer in me hates it, since they could have offered VITNX at 0.045%, while combining VINIX a...
by Roozbeh
Thu Mar 15, 2012 4:30 am
 
Forum: Investing - Theory, News & General
Topic: Now in Wiki: Extended Market Index Fund
Replies: 42
Views: 2778

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