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Re: BOGLEHEAD CONTEST -- 2 more trading days.

Thank you! Happy New Year to you, too.
by igghy
Wed Jan 01, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2 more trading days.
Replies: 43
Views: 2639

Re: BOGLEHEAD CONTEST -- 2 more trading days.

This is a little off topic. Just wondering if you sell stocks on 12/30 or 12/31, is it considered the transaction is occurred in 2013? If I had a gain from sales on 12/30 is the gain included in 2013 income?
by igghy
Wed Jan 01, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2 more trading days.
Replies: 43
Views: 2639

Re: IWN vs VBR for SCV tilt

I am good with ETF/fund share price going up after I buy and getting CG. What I don't understand is how a fund's unrealized gains affect me when I buy. In your example, When I buy a share of the fund, doesn't the share price reflect the increased market value of XYZ cooperation at the moment? Or som...
by igghy
Mon Dec 31, 2012 1:06 am
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1265

Re: IWN vs VBR for SCV tilt

^Thank you. That's what I was wondering. I don't quite understand. If the fund's cost basis is $100M, unrealized capital gains $100M when I buy a share for $100, how does that play out?
by igghy
Sun Dec 30, 2012 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1265

Re: IWN vs VBR for SCV tilt

Thank you.
by igghy
Sun Dec 30, 2012 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1265

Re: IWN vs VBR for SCV tilt

livesoft wrote:........but since VBR now has a huge unrealized gain I don't look at this stuff anymore....


What happens if you buy shares in a fund with a huge unrealized gains? Thank you.
by igghy
Sun Dec 30, 2012 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1265

Re: tax loss harvesting question

Thank you for clarification. That makes sense.
by igghy
Tue Nov 13, 2012 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: tax loss harvesting question
Replies: 6
Views: 704

Re: tax loss harvesting question

Is capital loss carryover not affected with proposed tax law changes coming up?
by igghy
Mon Nov 12, 2012 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax loss harvesting question
Replies: 6
Views: 704

Re: bond allocation

Yes, I maxed out ibond. Don't I have to have a mix of short/intermediate termsto have all in if it is for a long-term investment beyond five years?

I'll search for wiki for bonds.

Thank you.
by igghy
Tue Sep 25, 2012 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: bond allocation
Replies: 4
Views: 635

bond allocation

Is there a rough guideline on how to spread out bond holdings between short- and long-term? I have filled my tax-advantaged space with intermediate corporate bond funds and tips. That's about 2/3 of my bond position. The remaining third will be in the taxable account.I am wondering if I should consi...
by igghy
Tue Sep 25, 2012 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: bond allocation
Replies: 4
Views: 635

Re: 100% bond in Roth?

i didn't know. I imagine we can hold for 20 years. Is there any good time to buy EE?
by igghy
Sat Sep 15, 2012 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

Re: 100% bond in Roth?

Thank you for the link. That was the exact question I had. It seems to recommend to consider AA across all accounts. That's what we are doing now.
by igghy
Sat Sep 15, 2012 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

Re: 100% bond in Roth?

Isn't the Ibond rate painfully low at the moment? 0% or close to it? We do hold muni bonds in taxable. My question comes down to how to assign AA; separately for each account or all accounts combined? Is applying AA across all accounts beneficial or should one consider isolating some accounts and ap...
by igghy
Sat Sep 15, 2012 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

Re: 100% bond in Roth?

I edited my reply above. We have 401k. At the moment, both our 401k and Roth are 100% in bonds. We have more bonds in taxable.
by igghy
Sat Sep 15, 2012 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

Re: 100% bond in Roth?

We also have tax-deferred retirement 401k accounts. We are holding bonds there as much as we can. We need more bonds either in taxable accounts or in Roth or both. I was thinking more in terms of lost oppotunity to rebalance if we hold only bonds in Roth, not trying to beat the market. Should we con...
by igghy
Sat Sep 15, 2012 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

100% bond in Roth?

I read Wiki on Tax Efficient Asset Allocations. If I understood correctly, it recommends filling tax free accounts with bonds/REITs first. I don't have REIts and filled my Roth account with bond funds. Since the interest rate is so low over the few months after I bought bonds in my Roth, the value o...
by igghy
Sat Sep 15, 2012 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% bond in Roth?
Replies: 16
Views: 1219

Re: Tax on retitled holding

Thank you. I was afraid of that.
by igghy
Thu Sep 06, 2012 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Tax on retitled holding
Replies: 2
Views: 164

Tax on retitled holding

If you exchange your holdings with someone else, transferring in kind, of equal value, will we be subject to the gift tax?
by igghy
Thu Sep 06, 2012 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Tax on retitled holding
Replies: 2
Views: 164

Re: Umbrella Insurance

I am wondering about the same thing. Couldn't they sue for more than what you have?
by igghy
Sat Sep 01, 2012 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 50
Views: 3934

Re: TLH with TSM, & LifeStrategy Dividend Wash Sale?

Thank you. Any idea how I could convert mutual fund shares to ETFs? I didn't realize it costs a lot to trade mutual funds at my brokerage firm when compared to trading ETFs. Right now, we are on a fixed fee schedule that includes all trades. I'd like to be prepared when we leave this plan.
by igghy
Wed Aug 22, 2012 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH with TSM, & LifeStrategy Dividend Wash Sale?
Replies: 10
Views: 629

Re: TLH with TSM, & LifeStrategy Dividend Wash Sale?

If I excahnge Total Stoxk Market funds at a loss and buy VTI total market ETF, is that considered a wash sale?
by igghy
Wed Aug 22, 2012 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH with TSM, & LifeStrategy Dividend Wash Sale?
Replies: 10
Views: 629

Re: Diversifying for the Domestic Market

Thank you for the chart. It contains everything.
by igghy
Wed Aug 22, 2012 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversifying for the Domestic Market
Replies: 17
Views: 1081

Re: BOND ETF

Thank you. Found it, the second line in small prints.
by igghy
Wed Aug 22, 2012 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: BOND ETF
Replies: 9
Views: 975

Re: Diversifying for the Domestic Market

I do. The rest 70% is in Total Market. I just can't sell S&P because of the capital gains at the moment.
by igghy
Wed Aug 22, 2012 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversifying for the Domestic Market
Replies: 17
Views: 1081

Re: Diversifying for the Domestic Market

How much MC/SC does one need to add to compensate S&P holdings to similate the total market? About 30% of my domestic equity holding is S&P.
by igghy
Wed Aug 22, 2012 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversifying for the Domestic Market
Replies: 17
Views: 1081

Re: BOND ETF

mackstann wrote:Yes, the ETF version of Vanguard Total Bond Market has the ticker BND. Vanguard's webpages for its funds have a convenient link to their ETF versions, if one exists for that fund.


Where's that convenient link located? I went to their fund listings and didn't see. Thank you.
by igghy
Wed Aug 22, 2012 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: BOND ETF
Replies: 9
Views: 975

Re: brokerage fees

Thank you for the Schwab fees link. $76 is a lot per trade. If we do buy, hold, rebalance, we won't be doing many trades. Is there a penalty for infrequent trading?

Holding ETFs will be a way out. If you already hold a mutual fund, it is a bit of complication.
by igghy
Sun Aug 19, 2012 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: brokerage fees
Replies: 17
Views: 2035

Re: brokerage fees

Here's one for mid-cap index fund. Thanks.

https://personal.vanguard.com/us/funds/ ... st=tab%3A3

Fees

Purchase fee None
Redemption fee None
12b-1 fee None
by igghy
Sun Aug 19, 2012 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: brokerage fees
Replies: 17
Views: 2035

Re: brokerage fees

It is just that our holdings are all over. I am already dealing with 6 accounts. It would help, if they are all at the same place. Are the fees published? If in the fee chart, they say no fees, does it mean no fees whether you buy from Vanguard or Schwab?
by igghy
Sun Aug 19, 2012 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: brokerage fees
Replies: 17
Views: 2035

Re: brokerage fees

Exactly. That's what I was wondering, too.

livesoft - Thank you. Do you research at each firm? I read them but wasn't sure. They don't seem to spell out what others may charge.
by igghy
Sun Aug 19, 2012 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: brokerage fees
Replies: 17
Views: 2035

brokerage fees

If I open an account at a discount brokerage firm, what fees should I expect? Is it just fees per trade? Also, if you buy an outside open-ended fund, do outside firms charge a fee? I heard that if you buy a Vanguard fund in you Schwab account, Vanguard charges a fee while you wouldn't pay anything i...
by igghy
Sun Aug 19, 2012 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: brokerage fees
Replies: 17
Views: 2035

Re: Could you review my portfolio?

Do you mean dollar amounts?
by igghy
Sun Aug 19, 2012 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: Could you review my portfolio?

I already sold what I could. What's left have gains except commodities. If I sell commodities with losses, i can use the losses to cancel gains from selling REITs or one or two other funds. That still leaves me with funds in each class. I could keep them and try to emulate index funds as well as I c...
by igghy
Sun Aug 19, 2012 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: Could you review my portfolio?

OK, if you could start from scratch without any tax consequences, what would your desired portfolio look like today? Maybe just 4 funds? 35% TotalStockMarket 15% TotalInt'lStockMarket 20% TotalBondMarket 30% TaxExemptBondMarket without more info, what else could one say? That sound good to me. Not ...
by igghy
Sun Aug 19, 2012 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: Could you review my portfolio?

They are all individual accounts. I just combined them since we file taxes jointly. In many cases, they duplicate each other.

I did follow the link about asking questions. Just crossed out a few items that I thought didn't apply to me. I am sorry it is hard to understand.
by igghy
Sun Aug 19, 2012 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: COuld you review my portfolio?

I am.

Could I do 5 fund portfolio with domestic stocks split among large cap/mid cap/small cap? I already own funds in mid-cap and small-cap. I have to wait before I can liquidate.
by igghy
Sun Aug 19, 2012 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: COuld you review my portfolio?

REITs is in the taxable account. The funds have sizable gains that I can't liquidate yet.
by igghy
Sun Aug 19, 2012 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Could you review my portfolio?

Thank you. Emergency funds = 3 months of expenses Debt: none Tax Filing Status: Married filing Jointly Tax Rate: 35% Federal 3% State State of Residence Age: 68, 62 Desired Asset allocation: 50/50 Intl allocation: 30% of stocks Currently, we own; Fixed Income 10% in 403b - fixed annuities (9%) short...
by igghy
Sun Aug 19, 2012 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Could you review my portfolio?
Replies: 16
Views: 3041

Re: 401K Rollover

Does it have to be in one check to meet the requirement one roll over per year?
by igghy
Thu Jun 07, 2012 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover
Replies: 9
Views: 753

Re: Tax Efficient Withdrawals from 403b7

Instead of rolling over to an IRA, could you roll into a Roth IRA directly?
by igghy
Tue Jun 05, 2012 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Withdrawals from 403b7
Replies: 5
Views: 497

Re: UTMA Account from Childhood --> Tax Implications for Wif

sscritic wrote:One thing you could do is lower your income for this year so you are in the 15% bracket so that your rate on long term capital gains is zero. Zero is a good shield.


Is that how long term capital gains are taxed, your marginal rate -15%?
by igghy
Mon Jun 04, 2012 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1003

Re: Gift tax exclusion

Under present law, the lifetime gift tax exclusion is $5.12 million in 2012 and $1 million in 2013. If someone gifts $750,000 in 2012, does this mean they will have $250,000 remaining in 2013 ($1 million minus $750,000) or the full $1 million ($5.12 million minus $750,000 leaves a remaining 2012 ex...
by igghy
Mon Jun 04, 2012 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax exclusion
Replies: 9
Views: 827

Re: Conversion of 401k to non-taxable acct

It is a simple situation tho. It is a retirement fund that the government treats favorably to encourage savings since SS may not be able to cover everything. When retireds pass away, need to treat it favorably disappears, it seems.
by igghy
Sun Jun 03, 2012 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Conversion of 401k to non-taxable acct
Replies: 8
Views: 417

Re: Conversion of 401k to non-taxable acct

How does it pass onto beneficiaries? Do they get the lump-sum subject to the inheritance tax if applicable?
by igghy
Sun Jun 03, 2012 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Conversion of 401k to non-taxable acct
Replies: 8
Views: 417

Re: Conversion of 401k to non-taxable acct

What happens to a Roth IRA balance when the account holder dies? Does it get forfeited if not used up?
by igghy
Sun Jun 03, 2012 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Conversion of 401k to non-taxable acct
Replies: 8
Views: 417

Re: Homeowners Insurance beginner questions

I am about to retire and downsize anyway and the land will still be there in the case of a catastophe. I won't be happy but I'll survive the worst possible. The insurance company is doing a survey to "reasses".
by igghy
Thu May 24, 2012 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance beginner questions
Replies: 8
Views: 916

Re: Homeowners Insurance beginner questions

If you are not required to have a homeowner's insurance by the mortgage company, do you still need to have one? For the last 20-30 years I had the insurance, I didn't have a claim to make, not once. My mortgage is just about paid off and I am thinking dropping the insurance.
by igghy
Thu May 24, 2012 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance beginner questions
Replies: 8
Views: 916

Re: Generation Skipping Trust

I know. I have no excuse. I've been trying to get it out of their hands. That's why I am turning it over to my daughter if I can. It seemed like the easiest way to fire them.
by igghy
Mon May 21, 2012 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Generation Skipping Trust
Replies: 38
Views: 2729

Re: Generation Skipping Trust

Sometimes the description says nothing has been taken. Other times there is talk about current income.

I meant nothing taken from the principal. Income didn't amount to much, $2-3K per year which I received.
by igghy
Sun May 20, 2012 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Generation Skipping Trust
Replies: 38
Views: 2729

Re: Generation Skipping Trust

Older generation skipping trusts were not an estate tax problem and were frequently used to bypass a generation of estate taxes. I believe this is the case. Something pretty standard at that time. I am happy to give up the entire account. This particular coorporate trustee is not very accomodating....
by igghy
Sun May 20, 2012 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Generation Skipping Trust
Replies: 38
Views: 2729
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