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Re: What's important.

Is it probably safe to assume that in the long run the differences between a 70/30 and 81.5/18.5 allocation will continue to be negligible? Bob: In my opinion, the 11.5% allocation difference (return & risk) in these two stock funds will be negligible in the long run. It is far down on the list...
by bobsmith
Thu Jan 02, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Correct ratio for creating TSMI with 500IN/Xtnd Mrkt?
Replies: 5
Views: 396

Re: Correct ratio for creating TSMI with 500IN/Xtnd Mrkt?

sscritic wrote:
These percentages were computed on Aug 16, 2008, except where otherwise noted.


Good catch. Wonder if/when this will be updated...
by bobsmith
Thu Jan 02, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Correct ratio for creating TSMI with 500IN/Xtnd Mrkt?
Replies: 5
Views: 396

Re: What was your 2013 return?

All index funds, 59.5 us stock/25.5 I'ntl stock/15% bonds..... 22.5% (with a little rough math in there)
by bobsmith
Thu Jan 02, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9163

Correct ratio for creating TSMI with 500IN/Xtnd Mrkt?

My topic is the recreation Vanguard's Total Stock Market Index using Vanguards 500 Index and Vanguard's Extended Market Index. My preference would be simply to hold Vanguard TSMI only, but the 500IN and Xtnd Mkt funds that I hold each have about 45% unrealized so I'm not in any hurry to cash them in...
by bobsmith
Thu Jan 02, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Correct ratio for creating TSMI with 500IN/Xtnd Mrkt?
Replies: 5
Views: 396

Re: How often to do re-allocate for drift?

For those who go by percentage, 5% seems to be a common choice. I'm wondering if any research has been on on the benefits of rebalancing sooner rather than later, sooner meaning perhaps annually instead of every 4-5 years. I suppose the answer is this would have to do with the peaks and valleys of t...
by bobsmith
Thu Aug 08, 2013 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 824

Re: How often to do re-allocate for drift?

cheese_breath wrote:I take a checkpoint at the end of each month and decide what to do based on the results. Very seldom do these results indicate a need to rebalance.


Do you base it on percentage or are you looking at real dollar amounts to make your decision?
by bobsmith
Wed Aug 07, 2013 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 824

Re: How often to do re-allocate for drift?

Are you asking about rebalancing? Or are you asking about where one put new contributions to the portfolio which is a kind of rebalancing? Or are you asking about changing one's asset allocation for any reason? If you search the forum for "rebalancing" there are lots of polls and lots of ...
by bobsmith
Wed Aug 07, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 824

How often to do re-allocate for drift?

Just wondering how often folks here at the forum re-allocate? Every few years? Annually? Or do you monitor your drift and base it on that, say whenever allocation moves 5% out of line or something like that?
by bobsmith
Tue Aug 06, 2013 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 824

Re: Realize gains on taxable investments in order to fund Ro

I'm starting to think it might just be simpler to put the earnings in a money market and using that to fund the Roth once or twice a year. Otherwise I'd have to change and monitor things more than I'd prefer.

Thanks for all the ideas and the information. Much appreciated.
by bobsmith
Mon Aug 05, 2013 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Re: Realize gains on taxable investments in order to fund Ro

If you do need to realize gains, it is certainly worth realizing them to fund your Roth IRA, and also your Roth 403(b) if it is decent. Any gains you have will eventually be taxed; by paying the tax now, you ensure that you will never again pay tax on the future gains. Thanks. Your posts in other t...
by bobsmith
Sun Aug 04, 2013 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Re: Realize gains on taxable investments in order to fund Ro

^There's no need to bother with a money market fund, given that they pay 0%. Just direct the dividends to your linked bank account. They'll show up a day or two later after the dividends are declared. Once the money arrives, then you can do the IRA contribution. The dividend money will be out-of-ma...
by bobsmith
Sun Aug 04, 2013 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Re: Realize gains on taxable investments in order to fund Ro

Thanks everyone. This is just the info I was looking for and it sounds like the best course of action is to take advantage of the Roths as much as I can. I really appreciate the reasoned advice and the mathematical calculations showing how it pays off. Like houseblend and neurosphere were talking ab...
by bobsmith
Sat Aug 03, 2013 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Re: Realize gains on taxable investments in order to fund Ro

I don't really have any extra income to use for investing, but I did receive an inheritance years ago which I invested primarily in a taxable account. I mostly leave the inheritance alone and let it grow. This taxable account is presumably generating dividends, so you should stop reinvesting those ...
by bobsmith
Sat Aug 03, 2013 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Realize gains on taxable investments in order to fund Roth?

Hi, hoping and appreciating any advice I can get from the forum! Here's my situation: I'm 46 years old. All my funds are with Vanguard. I am an disciplined index investor. I am currently in the 25% bracket and will get a pension so I expect to be in the 25% bracket during retirement as well. In othe...
by bobsmith
Sat Aug 03, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Realize gains on taxable investments in order to fund Roth?
Replies: 16
Views: 925

Re: Vanguard Retirement Fund vs. Buying the Funds individual

one of the reasons i keep it(besides the fact it performs well) is because it invests in some areas i'm not comfortable in doing myself. foreign holdings i mostly don't understand. they do my international exposure for me. Well, in the case of Vanguard it's pretty straight forward. Their version of...
by bobsmith
Sun Apr 28, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

i just retired and have trowe price 2020 fund. i like it and intend to keep it. like retirement funds in general it has its equity and bond components that adjust as one grows older. it amazes me that people think they are better at doing allocations than professionals. that does not mean you can't...
by bobsmith
Sat Apr 27, 2013 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

My point is that the savings from using option #2 is likely to be more than the 0.09% expense difference (thus "the 0.09%), because of the need to sell the TR fund prematurely, or to keep the TR fund's corporate and government bonds when you would get a lower tax cost from I-Bonds or municipal...
by bobsmith
Sat Apr 27, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

Which of these options is better? I'm making an investment in a Vanguard Taxable account. Retirement is at least ten years away. Investment option #1: Vanguard Target Retirement 2035 Fund - 0.18% total fund cost Investment option #2: Re-create the Vanguard Target Retirement 2035 Fund using the fund...
by bobsmith
Sat Apr 27, 2013 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

For my own investments I allocate across all accounts, but this inquiry is for someone else and I like that the Target Funds make for zero or no maintenance. I looked at the link provided by Landy and was working under the assumption that the taxable account is yours, that you have a 403b and that ...
by bobsmith
Sat Apr 27, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

pingo, Thanks for the links which I looked through. I don't have privacy issues, I just didn't want to expand the thread into other areas and waste everyone's time getting advice I've already considered. Even so, maybe I'll start a "portfolio" thread at a later time. I'm not attached to th...
by bobsmith
Fri Apr 26, 2013 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

A lot of questions, bobsmith, can address the "ideal" regardless of magnitude. But, both are important. ⋅ For instance, say Taxable is 5% of all retirement Assets, so I I say... Immaterial! Who cares? ⋅ Thus, the reason why other posters are telling your that there is ...
by bobsmith
Fri Apr 26, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

What type of funds are you investing? My 403(b) with Vanguard is in the low 6-figures and is invested entirely in Retirement 2035. Admiral shares are unavailable to investors in Vanguard 401(k) and 403(b) accounts regardless of account balance so there is nothing gained by slicing and dicing with i...
by bobsmith
Fri Apr 26, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

A lot of questions, bobsmith, can address the "ideal" regardless of magnitude. But, both are important. ⋅ For instance, say Taxable is 5% of all retirement Assets, so I I say... Immaterial! Who cares? ⋅ Thus, the reason why other posters are telling your that there is ...
by bobsmith
Fri Apr 26, 2013 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

This is applicable to a situation where you have funds outside of tax sheltered accounts. In that case, you have a choice to make whether to put stocks or bonds in taxable. That's a good point which I've now acknowledged for the third time. In this case, it would be better to have bonds in tax shel...
by bobsmith
Fri Apr 26, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

The point is you can hold your bonds in a tax advantaged account and potentially reduce your tax liability. Right, as I said to House Blend, this s a good point and one I hadn't really considered, although some would challenge the conventional wisdom of putting bonds in a tax sheltering account ove...
by bobsmith
Fri Apr 26, 2013 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

Not enough information provided. You could hold 100% TSM in taxable and do all of your rebalancing in tax-advantaged accounts. Rebalancing costs you $0. You'll pay at most 15% Federal tax on the dividends in your taxable account, possibly 0% if you misunderstand your tax liabilities in retirement. ...
by bobsmith
Fri Apr 26, 2013 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

I think you really should post your entire situation unless you are saying this is the only investment you have, no 401K, no IRA, etc. If you have substantial assets other than this investment it is probably more rather than less complicated to choose an all-in-one fund because it is harder to see ...
by bobsmith
Fri Apr 26, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: Vanguard Retirement Fund vs. Buying the Funds individual

What is your tax rate? Do you really want to hold taxable bonds in your taxable account? Would a muni fund be better. My tax rate is 25% and will stay that way throughout retirement. I don't know if a muni fund would be better. I prefer to have the components in taxable because I can TLH in equity ...
by bobsmith
Fri Apr 26, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Vanguard Retirement Fund vs. Buying the Funds individually

Which of these options is better? I'm making an investment in a Vanguard Taxable account. Retirement is at least ten years away. Investment option #1: Vanguard Target Retirement 2035 Fund - 0.18% total fund cost Investment option #2: Re-create the Vanguard Target Retirement 2035 Fund using the funds...
by bobsmith
Fri Apr 26, 2013 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Fund vs. Buying the Funds individually
Replies: 32
Views: 2607

Re: General guidance for young investor

check out 403bwise.com as well.
by bobsmith
Sun Apr 21, 2013 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: General guidance for young investor
Replies: 14
Views: 1287

Re: Vanguard Planner's Advice

I guess I'm having trouble with some of the comments because I'm not a sophisticated investor. I buy and hold index funds and keep a strict AA. I don't buy or sell on emotion. I take advantage of all the tax sheltering I can. I plan for the long term. Etc. Seems to me that Vanguard has a philosophy ...
by bobsmith
Mon Apr 15, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Planner's Advice
Replies: 7
Views: 1100

Vanguard Planner's Advice

I do simple indexing investing with Vanguard. I reallocate regularly and keep an eye on things, but recently I checked in with a Vanguard Planner. I asked him about the bond market and if he thinks with the low inflation rates that maybe I should be in something else. He suggested I switch to the in...
by bobsmith
Mon Apr 15, 2013 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Planner's Advice
Replies: 7
Views: 1100

Domestic / I'ntl Stock Indexing Ratio?

The Vanguard planner I spoke to suggested I allocate to a 70%/30% US Stock/International Stock ratio (using their TSMI and TInternationalSMI) I know this ratio is adjusted for risk tolerance, but is there an ideal ratio strictly in terms of best diversification? If you're trying to index the global ...
by bobsmith
Fri Apr 05, 2013 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Domestic / I'ntl Stock Indexing Ratio?
Replies: 6
Views: 659

Re: VTSMI vs. Fidelity's TSMI?

1. Do your Fidelity funds also charge a Management Fee? With my employer plans, this can range from 0.05-0.1+. No, but your Employer's TPA (Third party administrator) might. Of course if they did you'd expect fees to be uniform across all vendors so for the comparison purposes of THIS thread, it's ...
by bobsmith
Thu Apr 04, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

Re: VTSMI vs. Fidelity's TSMI?

To be fair to nisiprius, your OP specified nothing about a 403b or employer plan. Now that it is clear what you are looking at, the lower-cost share classes probably do not apply as you surmised. I snipped the part about him assuming this was probably in regards to a tax sheltered plan, but yes, of...
by bobsmith
Thu Apr 04, 2013 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

Re: VTSMI vs. Fidelity's TSMI?

FSTVX er=0.06% jerry FSTVX (Spartan® Total Market Index Fund - Fidelity Advantage Class) Looking at the prospectus, I'm a little confused if the total annual operating expense is 0.06% or 0.07%, but the point I was making is that, according to a member of the Fidelity 403b team, Fidelity does not o...
by bobsmith
Thu Apr 04, 2013 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

Re: VTSMI vs. Fidelity's TSMI?

FSTVX er=0.06% jerry FSTVX (Spartan® Total Market Index Fund - Fidelity Advantage Class) Looking at the prospectus, I'm a little confused if the total annual operating expense is 0.06% or 0.07%, but the point I was making is that, according to a member of the Fidelity 403b team, Fidelity does not o...
by bobsmith
Thu Apr 04, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

Re: 401k/403b Vendors that offer no-load funds?

Here's what I've scraped up so far. Plan Member Services They charge a 0.35% fee plus something like a $30 annual account fee. Good no-load options including Vanguard SIGNAL class shares. Aspire 0.15% plus $40 annual account fee. http://www.403bplan.info/index.php Also has good no-load fund options ...
by bobsmith
Wed Apr 03, 2013 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k/403b Vendors that offer no-load funds?
Replies: 1
Views: 247

Re: VTSMI vs. Fidelity's TSMI?

Here's the easy answer: Vanguard Total Stock Market Index Fund (VTSMX) and Fidelity Spartan Total Market Index (FSTMX) are the same . There is no difference. It doesn't matter . [snip] My personal brand loyalty is to Vanguard, but I'm not going to complicate what I've said by putting feathers on th...
by bobsmith
Wed Apr 03, 2013 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

VTSMI vs. Fidelity's TSMI?

I might be in a position where I can choose between Vanguard's TSMI (VTSMX 0.18%) and Fidelity's Spartan Total Market Index Inv (FSTMX 0.10%). Seems to me they both do a good job indexing the whole US stock market. Any reason why I should prefer one over the other? I have a lot of experience with Va...
by bobsmith
Wed Apr 03, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMI vs. Fidelity's TSMI?
Replies: 11
Views: 874

401k/403b Vendors that offer no-load funds?

I'm having a lot of trouble getting my employer (and third party administrator) to add a good no-load company to the vendor list, especially one with a Roth option. Of course I think highly of Vanguard and would really like to access their funds. In some cases, a vendor will have some kind of a self...
by bobsmith
Tue Apr 02, 2013 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k/403b Vendors that offer no-load funds?
Replies: 1
Views: 247

Re: [Good Job] GJ Bogleheads

:confused Um, if your time horizon (+30yrs till withdrawing) and personal risk level dictate, I would prefer more in extended mkt index than SP500. Extended Market index historically returns more :moneybag ......."past performance yadayada and all" ...... :wink: Point taken. I'm certainly...
by bobsmith
Tue Apr 02, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: [Good Job] GJ Bogleheads
Replies: 3
Views: 614

Re: What to do about Bonds

Thanks for the replies. I understand why the best strategy for most is to just pick an allocation and stick with it. I don't chase market trends, try to beat the market, or make choices on emotion. It's just from what I've heard, even from Vanguard, we are living in unusual times in that they are pr...
by bobsmith
Mon Apr 01, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do about Bonds
Replies: 19
Views: 2125

[Good Job] GJ Bogleheads

I use Vanguard for all my investments. Simple straightforward indexing, but when I started I used Vanguard 500 IN and Extended Market in order to replicate the domestic stock market so I'm kind of stuck with that approach because of high unrealized gains. Anyway, long story short, the Vanguard Plann...
by bobsmith
Mon Apr 01, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Good Job] GJ Bogleheads
Replies: 3
Views: 614

What to do about Bonds

I've been searching through the forums trying to get a grasp on what to do with Bonds going forward into the next decade where returns are expected to be below historical averages. First, if there are good threads or boogle wikis I missed on this topic, please direct me. All my investments are throu...
by bobsmith
Mon Apr 01, 2013 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do about Bonds
Replies: 19
Views: 2125

Re: Vanguard: 500_IN + Xt_Mrkt = TSMI

Hi Bob, Your mistake, I believe, is assuming that the market cap ratio of 500 / rest of market has stayed constant for 13 years. I don't know where to look up the ratio from 13 years ago, but small caps have been outperforming so the ratio must have been larger (more 500 / less ext idx) back then. ...
by bobsmith
Sat Mar 30, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: 500_IN + Xt_Mrkt = TSMI
Replies: 12
Views: 700

Re: Vanguard: 500_IN + Xt_Mrkt = TSMI

I appreciate all the comments here. I'm an index investor who wants to basically buy things and let them sit for the long run, reallocating for drift from time to time. I understand the concern some of you are expressing that I'm over analyzing this stuff, and it's a good advice, but I think it miss...
by bobsmith
Sat Mar 30, 2013 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: 500_IN + Xt_Mrkt = TSMI
Replies: 12
Views: 700

Vanguard: 500_IN + Xt_Mrkt = TSMI

I got in with Vanguard almost ten years ago. For whatever reason, the Vanguard planner got me into 500 IN and Extended Market instead of TSMI. Now, the new planner said they usually just recommend the TSMI. However, I've got a lot of unrealized gain on the 500 IN and Extended Market so there's no re...
by bobsmith
Sat Mar 30, 2013 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: 500_IN + Xt_Mrkt = TSMI
Replies: 12
Views: 700

IRA: Foreign vs. Domestic stocks First in?

I'm currently holding the following Vanguard Index Funds in a taxable account: TInternatioalSMI (of which 22% is unrealized gain) 500 Index (of which 31% is unrealized gain) Extended Market (of which 47% is unrealized gain) Each year I make a contribution to my ROTH IRA, but I can't spare the money ...
by bobsmith
Fri Mar 29, 2013 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA: Foreign vs. Domestic stocks First in?
Replies: 0
Views: 135

Re: Question aobut Cost basis and lost harvesting (mutual fu

I have several vanguard funds in a taxable account. All have unrealized gains represented at least 30% of the value of each individual fund. I'd like to sell most of these funds but only in part. I assume that you want to sell these funds because they no longer fit your target asset allocation. But...
by bobsmith
Thu Mar 28, 2013 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Cost basis and lost harvesting (mutual funds)
Replies: 10
Views: 716
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