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Taxes and ESPP

Hi, I need an advice about taxes on the sale of ESPP. I own 2000 ESPP (500 per year for 2009, 2010, 2011 & 2012). I sold 1000 stocks from 2009 & 2010 in Feb 2013 with a profit of 10K. I have a loss of 10K carried forward from 2012 tax filing. Now my questions is: If I sell ESPP from 2012, th...
by letsinvest
Fri May 03, 2013 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes and ESPP
Replies: 1
Views: 236

Re: Portfolio advice and analysis

Thanks Kevin. Let me give you my current investment scenario which may help you give me more better suggestion/advice. Total funds: $300K Tax-exempt account (401k): $75K now in Bonds + portion of my monthly paycheck (17K annually) Bonds - ( VBTLX ) - 25% Other Bond funds in my 401K plan where I can ...
by letsinvest
Tue Apr 03, 2012 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

vinix (S&P 500) makes up 80% of total US market. You are heavily under-weighting large cap by only having vinix make up half of your US allocation. Fine as long as you understand what you are doing (adding risk for higher expected returns). Can you give me an example wherein I can cover 100% of...
by letsinvest
Mon Apr 02, 2012 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

Thanks to all your suggestions. I have started monthly allocation to my portfolio. Here is my current portfolio: Large cap (VINIX) 25% Mid cap (VMVAX) 12.50% small cap (VSIAX) 12.50% Total international (VFWAX) 10% Emerging market (VEMAX) 10% Bonds (VBTLX) 30% But I am planning on selling my ESPP, f...
by letsinvest
Sun Apr 01, 2012 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

Does this get more at what you're looking for? Thanks Kevin for your detailed explanation, it was very helpful. So, when evaluating funds, one should look for the low cost funds that are not actively managed and the "components" of the funds should broadly represent that particular asset ...
by letsinvest
Sun Feb 12, 2012 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Reorganized WAMU stock holders

flowerbuyer wrote:According to the documents I received, Feb 9th is the deadline for the company handling this to receive the signed documents.

I confirmed with my broker "ETrade", they told me that I can fax them by 8th EOD.
by letsinvest
Wed Feb 08, 2012 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Reorganized WAMU stock holders
Replies: 11
Views: 1068

Re: Reorganized WAMU stock holders

neophyte27 wrote:i would imagine so

Thanks for your suggestions, I will keep you posted on my decision
by letsinvest
Tue Feb 07, 2012 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reorganized WAMU stock holders
Replies: 11
Views: 1068

Re: Portfolio advice and analysis

I don't think one "evaluates" funds as if deciding which components for a stereo system are the best or which smart phone to buy. One builds portfolios based on fundamental properties such as the desired asset allocation, correct location for lowest tax cost, and selecting cost effective ...
by letsinvest
Tue Feb 07, 2012 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

Most of us do not evaluate funds based on past returns. Expected returns and risk are related. Total market (US and international) stock funds are a good starting point for the stock portion of your portfolio. Many people also use Total Bond for the fixed income part. Many people just stick with so...
by letsinvest
Mon Feb 06, 2012 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Reorganized WAMU stock holders

vote yes on new plan of reorganization if you hope to get any value back. opt in to grant releases. hurry deadline is soon. check with your broker. no vote. no new shares in new company If I vote yes, and later if I decide to sell shares of the new company when it is possible to do so, will I be ab...
by letsinvest
Mon Feb 06, 2012 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reorganized WAMU stock holders
Replies: 11
Views: 1068

Re: Reorganized WAMU stock holders

You're lucky the stock wasn't totally wiped out which is typical in bankruptcy. Tiny shred of bankrupt WaMu emerging to uncertain future More than three years after Washington Mutual became the nation's largest bank failure, a thin sliver of the company could soon emerge from bankruptcy and offer s...
by letsinvest
Sun Feb 05, 2012 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reorganized WAMU stock holders
Replies: 11
Views: 1068

Reorganized WAMU stock holders

I own 9000 stocks (20K worth before the bankruptcy) of WAMU which is worth $300 now. I recently received a ballot form for a reorganized WAMU. I am not sure what it means currently for stockholders. Should I decline the ballot and show the losses in my tax returns or should I hold the stocks of reor...
by letsinvest
Sun Feb 05, 2012 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reorganized WAMU stock holders
Replies: 11
Views: 1068

Re: Portfolio advice and analysis

I chose TISM because it's the best total international index fund on the market. It has everything (Europe, Far East, emerging markets, Canada, large and small caps). It's a one-stop-shop. You can't exactly compare the other funds to TISM because they have different tilts, so they will have differe...
by letsinvest
Sat Jan 28, 2012 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

If you're not in any phaseouts then your bracket is the straight 25%. A deductible spousal TIRA may make sense in that bracket. However, the reason I asked about your income after she graduates is if your combined gross income will go over $210,000, you may be ineligible for direct Roth IRA contrib...
by letsinvest
Sat Jan 28, 2012 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

A 5-fig portfolio ($10,000 - $99,999) is not a lot of money in the BIG picture. A $500K mortgage is actually a BIG mortgage. This sucker costs about $18K annually in interest (pre-tax deduction). What is your plan for this debt? Sorry for delayed reply, got a bit busy with job-related travels. You ...
by letsinvest
Fri Jan 20, 2012 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

letsinvest , you want an allocation of 70% stocks, 30% bonds, with 15-20% of stocks in international. That breaks down to roughly 55% US stocks, 15% international stocks, 30% bonds. Here is a proposed retirement portfolio: I came up with 15-20% international stocks, based on my readings. I am not s...
by letsinvest
Sun Jan 08, 2012 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

150,000 (gross income, not adjusted gross income) -17,000(401K contributions) <-- no pre-tax health and dental? No, health and dental covered by the company. Your AGI may put you in some phaseouts. For example, you are fully phased out of the Lifetime Learning Credit, but you may be in the phaseout...
by letsinvest
Thu Jan 05, 2012 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

Why did you think you were in the 28% bracket? Is $100k a typo? I can't reconcile it with a mortgage that big and a maxed 401k. You are right, there was a mistake. Sorry for confusion. 100K is the NET income and gross is 150K. Hence, 150000 (AGI) -17000(401K contributions) -7600 (Personal exemption...
by letsinvest
Wed Jan 04, 2012 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

-- Let's get your tax situation clear first. I don't understand why you have so much in taxable. >> I quite don't understand how it's taxable, since all of my current investments are in 401K -- Is your spouse not covered by an employer plan? >>That's right my spouse is not covered, currently a stud...
by letsinvest
Tue Jan 03, 2012 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Portfolio advice and analysis

Emergency funds = 4 months of expenses Debt: Mortgage $500K with 3.5% interest rate Tax Filing Status: Married filing Jointly Tax Rate: 28% Federal, no state tax Age: 35 Desired Asset allocation: (stocks/bonds) 70/30 Desired Intl allocation: 15-20% of stocks Current portfolio (size of the portfolio:...
by letsinvest
Mon Jan 02, 2012 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 33
Views: 2712

Re: Portfolio advice and analysis

Thanks for all your replies. I am going over the resources you have provided and I am putting together my existing portfolio in the format suggested.
by letsinvest
Thu Dec 29, 2011 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 4
Views: 484

Portfolio advice and analysis

I have modified my post according to the suggested format. Emergency funds = 4 months of expenses Debt: Mortgage $500K with 3.5% interest rate Tax Filing Status: Married filing Jointly Tax Rate: 28% Federal, no state tax Age: 35 Desired Asset allocation: (stocks/bonds) 70/30 Desired Intl allocation:...
by letsinvest
Thu Dec 22, 2011 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice and analysis
Replies: 4
Views: 484

Re: Advice on selling YHOO holding

Thanks All for your advice. I think I will start selling off Yahoo stocks in chunks (500 stocks at a time).
by letsinvest
Sat Oct 29, 2011 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on selling YHOO holding
Replies: 10
Views: 686

Re: Advice on selling YHOO holding

Thanks for you advice. Well when I bought this stocks I was new to Investment and this was my biggest mistake which I realized only after buying it and price went down from there on. :( After that I have read lot of books about investment and one of them was Jack Bogle's "Guide to Investment&qu...
by letsinvest
Mon Oct 24, 2011 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on selling YHOO holding
Replies: 10
Views: 686

Advice on selling YHOO holding

Hi,

I have bought 2000 stocks of Yahoo @ $20 each 2 years ago and since then the price are below $20. Can someone please advice me should I sell it at current price or what strategy I should take?

Thanks in advance
by letsinvest
Mon Oct 24, 2011 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on selling YHOO holding
Replies: 10
Views: 686

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