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Re: Question on Selling After Tax Funds

I'm confused because one can do "after-tax" investing in a Roth 401(k), a Roth IRA, a traditional 401(k), a non-deductible traditional IRA, and a taxable account. Tax treatment varies in these accounts for one's contributions and one's gains. And it depends on whether one exchanges within ...
by livesoft
Sat Oct 25, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 8
Views: 110

Re: What kind of index funds did Vanguard have 1976-1992?

Total Bond Index has inception of 12/11/1986
while GNMA was born 06/27/1980.
by livesoft
Fri Oct 24, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: What kind of index funds did Vanguard have 1976-1992?
Replies: 5
Views: 410

Re: How to do taxes for sale of deceased father's stocks?

Yes, TT allows 'inherited' for Date Acquired.
by livesoft
Fri Oct 24, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to do taxes for sale of deceased father's stocks?
Replies: 9
Views: 563

Re: dividend fund in a taxable account

Very simply: Look up historical distributions for 2012 and 2013 for both funds, then create a spreadsheet.
by livesoft
Fri Oct 24, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend fund in a taxable account
Replies: 2
Views: 361

Re: How to do taxes for sale of deceased father's stocks?

Wait until the company sends you a 1099-B. In the meantime, have you read the IRS publications on this?
by livesoft
Fri Oct 24, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to do taxes for sale of deceased father's stocks?
Replies: 9
Views: 563

Re: is optimization(TLH+tax credit) worth cost(time,behavior

We also have a large carryover loss in the 6=figure range. Even so, we still TLH whenever possible because this will help us shift income into years when our tax rate is very low. Yes, it has a chance of not making any difference, but we cannot predict that. I'd rather have booked the loss in a year...
by livesoft
Fri Oct 24, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: is optimization(TLH+tax credit) worth cost(time,behavior)?
Replies: 14
Views: 828

Re: Capital gains in taxable; DFA / Vanguard

I don't think it is worth it to sell them, but I am not a fan of simplicity. But if you are asking this question and since you are so young, you can sell some every year for the next 10 years or so. Realizing $20K or so of capital gains every year is probably not a big deal in your tax bracket. So i...
by livesoft
Fri Oct 24, 2014 1:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains in taxable; DFA / Vanguard
Replies: 2
Views: 256

Re: How often do you change your car's oil?

How about continually? I just add some oil every couple of years when I see enough has leaked out.
by livesoft
Thu Oct 23, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 67
Views: 2683

Re: Older Women and Challenges of Wealth

My mom had about 25% of her annual expenses paid for by a single-premium immediate annuity. She was not wealthy though.
by livesoft
Thu Oct 23, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Older Women and Challenges of Wealth
Replies: 3
Views: 842

Re: Is Wells Fargo misleading my friend?

It is not so much Wells Fargo as the salesrep working there. He could go just about anywhere and get advised to invest in one of many dubious portfolios.
by livesoft
Thu Oct 23, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 20
Views: 1774

Re: Can you outperform?

Hmmm. I dunno, but I have outperformed the YTD return of VWO this year by owning VWO and rebalancing in and out of it. I don't think rebalancing quarterly is going to do it though.
by livesoft
Thu Oct 23, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1088

Re: Fidelity

I have a 401(k) with Fidelity. As mentioned the Spartan index funds are decent and I use them. They have a Spartan Advantage set of funds with low-expense ratios and no commissions. In addition, Fidelity has a set of no-commission ETFs from iShares available. Here is a link to the Bogleheads wiki ab...
by livesoft
Thu Oct 23, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity
Replies: 14
Views: 1450

Re: Slice & Dice International

Rebalance/gamble on them quarterly with 20% and 30% bounds. I would suggest that one not use "quarterly", but look often (weekly or daily) and rebalance as needed. You can see that with 20% and 30% bounds you probably would not have rebalanced this year at all. Nevertheless, buying VWO in...
by livesoft
Thu Oct 23, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice International
Replies: 9
Views: 793

Re: TSA [is it a hassle to opt out of scanning?]

One time, they "saw something" in my carry on, and started to open it. […] I'll never know what it was they "saw" on the x-ray machine. Once my carry-on bag was thoroughly searched leaving the UK. The agent said that I had a small plastic jar of liquid exceeding the limits. &quo...
by livesoft
Thu Oct 23, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2089

Re: Phone for Europe trip

My spouse simply bought a phone + SIM card + minutes in a kiosk on location for about 30 euros.
by livesoft
Thu Oct 23, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 22
Views: 1021

Re: Process of buying my ETF.

Here is Rule 5: 5. I expect the ETF that I have purchased to drop in value immediately after I have purchased it and to stay below my purchase price for quite some time. Also rules are made to be broken. I sometimes use a limit order, sometimes a market order, sometimes a marketable limit order, and...
by livesoft
Thu Oct 23, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Process of buying my ETF.
Replies: 3
Views: 350

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

tj wrote:Why VLCAX rather than the S&P 500 fund?

I chose VLCAX because it holds more stocks than the S&P500 fund. Furthermore, many large cap companies are not in the S&P500, so VLCAX is more representative to the total stock market index than an S&P500 index fund is.
by livesoft
Thu Oct 23, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: More funds = more "efficient" rebalancing?

Only a very good timing of rebalancing will improve the results of a 3-fund portfolio. Poor rebalancing timing will probably underperform a 3-fund portfolio.

Do you feel lucky?
by livesoft
Thu Oct 23, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 26
Views: 1297

Re: When to think about tax lost harvesting

---Then my question is, I'm considering selling a fund for a loss of $3,000 which would be short-term losses, I haven't held the fund for a year. Would that loss reduce the $17,200 total short-term and long term capital gains for a total of $14,200 for the year or would the $3,000 loss be handled d...
by livesoft
Thu Oct 23, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1395

Re: When to think about tax lost harvesting

^Not all mutual funds distributions are "capital gains". Most mutual fund distributions are usually dividends and short-term capital gain distributions that do not go on Schedule D and are not directly offset by realized capital losses. For instance, I have tens of thousands of dollars in ...
by livesoft
Thu Oct 23, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1395

Re: TSA [is it a hassle to opt out of scanning?]

I almost always talk to the TSA folks the same way that I talk here on the forum. They are good folks for the most part with all concerns that everybody has. Respect works both ways.

As noted, TSA pre-check avoids the scanners most of the time.
by livesoft
Thu Oct 23, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2089

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

I would TLH with that amount of losses. It makes sense to do all of them. I assume these are all in a taxable account, but I do wonder.
by livesoft
Thu Oct 23, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: Buying a car.

I have bought used and new. For the used cars they have been between 1 and 4 years old. Yes, there are many ways of negotiating and getting the best deal. Basically, you can make it worth the seller's time and money to negotiate quickly and give you a good deal. Put yourself in their shoes. There ar...
by livesoft
Thu Oct 23, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a car.
Replies: 9
Views: 727

Re: Bogle and dry powder

So is "Wet Powder" something like Total US Bond Index fund shares?
by livesoft
Thu Oct 23, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 25
Views: 1713

Re: How to calculate how well you're doing?

XIRR() in a spreadsheet is what folks should probably use. This function is also used by mutual fund companies. I find it easiest to use the free Microsoft Money to calculate this for any dates and any of my investments in any way possible.
by livesoft
Thu Oct 23, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: How to calculate how well you're doing?
Replies: 9
Views: 1226

Re: Slice & Dice International

I have no preference in recommending ETFs vs mutual funds for others. For myself, I use both, but prefer ETFs. I have no problem with VEA, VWO, VSS (or their mutual fund equivalents). I own them all as well as other international funds. A chart shows that there were some market timing rebalancing an...
by livesoft
Thu Oct 23, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice International
Replies: 9
Views: 793

Re: Daycare educational material for 3 year old

What happens to the children who graduate from this daycare? Do they all go to a State Flagship University?
by livesoft
Thu Oct 23, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 687

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

Selling FSIVX in taxable for a loss and buying FSGDX in an IRA seems like a great idea to me. (FSGVX is probably a typo.) I have done essentially the same thing since I sold VEA in taxable and bought FSGDX in a 401(k). But what will you do in taxable with the money from selling FSIVX? Stay in cash f...
by livesoft
Thu Oct 23, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: How did you buy your largest home?

We waited until our late 30's to buy our largest and only home. We rented before that. The home is 3000+ sq ft, 4 b, 3.5 ba and cost less than $200K. We put 20% down and got a fixed rate 30-year mortgage. A couple of refinancings lowered the mortgage payments. Index funds were sold to pay off the mo...
by livesoft
Wed Oct 22, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 22
Views: 2158

Re: Which lots do you sell when redeeming shares?

nobsinvestor wrote:And what if there are no losses? Use my VTI example.

In all cases, sell the shares that will cost you the least in taxes.
by livesoft
Wed Oct 22, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Which lots do you sell when redeeming shares?
Replies: 14
Views: 890

Re: Which lots do you sell when redeeming shares?

Sell shares with a loss first. Holding period won't matter, but short-term losses are more versatile than long-term losses on your tax return, so one may consider them "better".
by livesoft
Wed Oct 22, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Which lots do you sell when redeeming shares?
Replies: 14
Views: 890

Re: question about "avoid buying the dividend"

Also be aware about what causes a qualified dividend to be morphed into a non-qualified dividend because the latter has a higher tax rate. One may say, "But I am going to hold the shares more than 61 days anyways." But we have seen in the past few weeks that folks are NOT going to hold the...
by livesoft
Wed Oct 22, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about "avoid buying the dividend"
Replies: 11
Views: 989

Re: Tax question for capital gains in tax-deferred account

If you sell and realize capital gains in the account, you will not have to pay capital gains taxes.

If you withdraw from the account, then any gains are considered income and taxed at your ordinary income tax rate and not at your capital gains tax rate.
by livesoft
Wed Oct 22, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax question for capital gains in tax-deferred account
Replies: 3
Views: 252

Re: Slice & Dice International

I find simpler is Large vs Small as in VEU (large-cap foreign) plus VSS (small-cap foreign). These both have Developed and Developing countries in them. If one wishes to overweight developing countries (emerging markets) then VWO (large-cap EM) and EWX (small-cap EM) are available. One could also de...
by livesoft
Wed Oct 22, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice International
Replies: 9
Views: 793

Re: 529 Strategies

2) Growth and original principal cannot be separated on withdrawal. The situation you described would have these 2 pro-rated to the places you sent the money: The School and Your Checking Account, so you would end up with a penalty for the Growth that ended up in Your Checking Account.
by livesoft
Tue Oct 21, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Strategies
Replies: 3
Views: 633

Re: Withdrawal from a 529

I am 4 years into what I wrote previously in this thread above and have claimed the AOC and not gotten an IRS letter in all those years. I think your concern is unfounded, but maybe I'm a lucky guy. If I had received a letter from the IRS, I would have sent them a copy of the 1098T. No big deal. But...
by livesoft
Tue Oct 21, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal from a 529
Replies: 5
Views: 571

Re: Electricity Adaptor for Europe

Look at your AC adapter bricks. Do they say they can use 220-240 V? Most all of them do. It is rare nowadays that some don't. If they don't, then you probably do not even need that device or appliance anyways. All you need then is a plug adapter kit. If you get one kit with adapters, then also bring...
by livesoft
Tue Oct 21, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 614

Re: capital loss

Yes, if you have an account, you really MUST read the instructions for Schedule D and UNDERSTAND how to report your gains and losses. Then you can answer this question for people who ask it.
by livesoft
Tue Oct 21, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: capital loss
Replies: 3
Views: 329

Re: Withdrawal from a 529

It doesn't matter. We have had the withdrawals sent to me via a check made out to the account owner which is me and not to the beneficiary which is the student. The 529 plan will send you a 1099Q and the college should send a 1098T to the student. Get your student to give you a copy of the 1098T.
by livesoft
Tue Oct 21, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal from a 529
Replies: 5
Views: 571

Re: tax help

Tax efficiency does not matter in a tax-deferred account like a 401(k), 403(b), 457, traditional IRA, etc nor in Roth IRA, or Roth 401(k). Are any of these funds held in a taxable account where tax-efficiency may matter? To determine tax-efficiency, look at the distributions paid by these funds for ...
by livesoft
Tue Oct 21, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: tax help
Replies: 2
Views: 336

Re: Write-off capital loss against capital gains?

One can write-off a realized capital loss against ordinary income, but only at a pace of $3,000 per tax year with any excess capital loss carried over to the next tax to year to be used again (at the $3,000 per year pace). One can write-off a realized capital loss against realized capital gains, too...
by livesoft
Tue Oct 21, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1236

Re: Benefits to a larger than necessary house (as children g

I have some personal experience in this area. As already noted, a larger house, a larger yard, and even a fence will not be that helpful and will exasperate the situation. Hire a maid to clean to house every week. Hire someone to help with child care too, if needed. I think the maid(s) will be helpf...
by livesoft
Tue Oct 21, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 3310

Re: Can a homemaker use a Roth & i401k?

As long as the married couple has income (compensation) to cover their Roths, both spouses can ocntribute to a Roth. The compensation can come from either one or both of them. You might search on "spousal IRA".
by livesoft
Tue Oct 21, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 982

Re: UGMA Custodial Account Redemption

OK, invested in VAFAX. Is the VAFAX in a variable annuity in a UGMA custodial account at Primerica?
by livesoft
Mon Oct 20, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA Custodial Account Redemption
Replies: 5
Views: 377

Re: funding roth ira for son

Your son should put on his big boy pants and do this himself. I made my son open an account on line at Vanguard, fill in the info, set up ACH transfers from his own checking account with Vanguard, send in the W9 with proof of his identity, etc. Your son will probably come home at Thanksgiving or Chr...
by livesoft
Mon Oct 20, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1146

Re: UGMA Custodial Account Redemption

Find out what the account is invested in. It is possible that it is invested in a variable annuity. That might mean that taxes were not due in the past. It might also mean a withdrawal penalty. Find out.
by livesoft
Mon Oct 20, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA Custodial Account Redemption
Replies: 5
Views: 377

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

Will this have any other impact on my taxes in the future? Or would it simply be if did this exchange today and sold at any point in the next year for a profit, I'd owe short term capital gains? Also, I'm 31, so a lot of time horizon left. Would it be safe to assume at some point in the next 20 yea...
by livesoft
Mon Oct 20, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

nobsinvestor wrote:Would it be considered a wash sale if one sold VTIAX and bought the Fidelity or Schwab Total International Market Index? Does the IRS consider that to be the same type of security so to speak?

That controversial with no known answer.
by livesoft
Mon Oct 20, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

Here is simple:

Exchange all loser shares of VTIAX to VFWAX now. Do nothing else.
Exchange all loser shares of VTSAX to VLCAX now. Do nothing else.
by livesoft
Mon Oct 20, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1291

Re: What's wrong with dividend ETF's in a taxable account?

Even tax-efficient investments such as VTI, VEA, VWO, and VXUS pay dividends. There is nothing wrong with that. Indeed, dividends in a taxable account are very difficult to avoid. One would like such dividends to be so-called "qualified" dividends taxed at a favorable rate.
by livesoft
Mon Oct 20, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with dividend ETF's in a taxable account?
Replies: 4
Views: 380
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