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Re: Tax Harvest - Replacement or Wait 60 days.

It depends on how much capital you have to move to cash in the loss. Assuming you have found two "non substantially identical" securities A and B you can use, ask yourself why you invested in A and not in B. Maybe expense ratios are close, but a little different ? Well, if you have to mov...
by diceman
Tue Jun 25, 2013 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvest - Replacement or Wait 60 days.
Replies: 11
Views: 885

Re: Tax Harvest - Replacement or Wait 60 days.

(FSGDX) Spartan Global ex U.S. Index Fund Advantage Class (0.18%) is equivalent to Vanguard FTSE. It's not quite as complete as TISM (VTIAX) but close. Any Fidelity international fund to represent small caps that FSGDX is missing? I know it is best to get back in the market if you have the risk tol...
by diceman
Mon Jun 24, 2013 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvest - Replacement or Wait 60 days.
Replies: 11
Views: 885

Tax Harvest - Replacement or Wait 60 days.

The Basics: - Have a ~ 6% or $7.7k loss on Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) which is held in taxable account. Bought in April '13. - As of June 24, VTIAX is approximately 23% of total portfolio. Was 25% in April..... - No room in tax sheltered account that would ...
by diceman
Mon Jun 24, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvest - Replacement or Wait 60 days.
Replies: 11
Views: 885

Re: Portfolio Reallocation

Thank you again for all the help. If I wanted to keep one account at Fidelity, what would be the equivalent of the Total Stock Market and Total International Stock Mkt?

Jason
by diceman
Sat Mar 16, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Re: Portfolio Reallocation

Jason, I find that a 3% allocation to anything does NOT matter - one way or the other. Some people like to use some money as "gambling" money, if you will, but I don't. retiredjg, I appreciate you taking the time to respond as well. What is the max tilt % of Vanguard Tax-Managed Small Cap...
by diceman
Wed Mar 13, 2013 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Re: Portfolio Reallocation

Jason, Taxable 16% Vanguard Interm-Term Tx-Ex Adm (VWIUX) 25% Vanguard Total International Stock Adm (VTIAX) 40% Vanguard Total Stock Market Adm (VTSAX) 401K 8% Dodge & Cox Income (.43%) https://www.dodgeandcox.com/incomefund_character.asp Roth IRA 11% Intermediate Bond Index VBILX https://pers...
by diceman
Tue Mar 12, 2013 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Re: Portfolio Reallocation

Do I need to reconsider sticking tax exempt in taxable accounts to reach a 35% bond weight due to my tax bracket? I would really like to try and move into equities quickly in taxable (Total Stock and Total Int) by selling GNMA and ST Investment Grade. I guess until Wellesley would be a long term gai...
by diceman
Tue Mar 12, 2013 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Re: Portfolio Surgery

Do you think you'll stay at the same company for a long time (and have they stayed with the same 401K administrator for a long time)? That is a great point. My gut feeling is no I will not be there in 5 years. Administrator has changed a couple times with not much change in fund offerings. Expenses...
by diceman
Sun Mar 10, 2013 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Re: Portfolio Surgery

Thank you for giving me input and ideas. Below is my revised portfolio after I sell all my taxable bonds. I added Small Cap Value to my Roth exchanging everything except the Extended Market which combined with Vanguard Institutional Index replicates Total Stock Market I believe. I added my company m...
by diceman
Sun Mar 10, 2013 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

Portfolio Reallocation

Greetings all. I originally setup my asset allocation in 2008 and had been doing a decent job continuing the course. I have made a real mess of my asset allocation with a bonds/cash portfolio weighted at ~84% of the portfolio vs. 35% goal. I know this is very inefficient at my age and want to revise...
by diceman
Sat Mar 09, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation
Replies: 15
Views: 1554

RE: Portfolio

I decided to just invest $10k in a taxable account (VFWIX). At the end of 2008, If I have excess funds I could invest at that time or later down the line. I would like to start with a REIT in the Roth from the beginning. In year 2 in the Roth, I plan to transfer money from the Total Stock Market int...
by diceman
Sun Apr 20, 2008 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investor Seeks Advice
Replies: 11
Views: 2021

re: Portfolio Recommendations

PiperWarrior, Thank you for explaining Dodge & Cox and how the funds show some value tilting. As my portfolio grows over the years, perhaps I might add one of the Vanguard funds that you mentioned. I have read about the benefits of VFWIX FTSE All-World ex-US and foreign tax credits which make t...
by diceman
Fri Apr 11, 2008 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investor Seeks Advice
Replies: 11
Views: 2021

Portfolio Recommendations

Laura, I really appreciate you taking the time to reply. Your recommendations make sense. I can max out my 401k ($15.5k) this year and dip into the $20k for living expenses no problem. I will try and max out in the future as well. I have a few follow-up questions. 1. How much weight should I give to...
by diceman
Fri Apr 11, 2008 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investor Seeks Advice
Replies: 11
Views: 2021

First Time Investor Seeks Advice

Greetings, all, I have been lurking and getting an education on investing 101 as I read the forums. I just order The Bogleheads’ Guide to Investing. What are helpful community!! I would appreciate any recommendations establishing a balanced AA plan by helping pick out my 401K investment options whic...
by diceman
Thu Apr 10, 2008 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investor Seeks Advice
Replies: 11
Views: 2021

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