Search found 19 matches

by notsure
Tue Aug 25, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting and partial wash sale
Replies: 19
Views: 4448

Re: Tax-loss harvesting and partial wash sale

You do need to sell the shares purchased August 20th or you will have a [partial] wash sale.


How problematic is a partial wash sale? From what I've read, it seems like it could risk the entire loss being deemed a wash sale.
by notsure
Mon Aug 24, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting and partial wash sale
Replies: 19
Views: 4448

Re: Tax-loss harvesting and partial wash sale

Thanks again.

It does somehow seem surprising to me that a recently purchased lot of shares/position can be sold to prevent a subsequent wash sale within 30 days. I wonder if others have experience with doing this?
by notsure
Sun Aug 23, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting and partial wash sale
Replies: 19
Views: 4448

Re: Tax-loss harvesting and partial wash sale

Thank you very much livesoft. Now if those shares were sold FIRST, then there would be no replacement shares to add your loss to, so you would be good to book the loss. To make sure I understand correctly, there would be no wash sale were I to liquidate all my shares in VXUS after my spouse had sold...
by notsure
Sun Aug 23, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting and partial wash sale
Replies: 19
Views: 4448

Re: Tax-loss harvesting and partial wash sale

I found this old thread to be useful and thought that those who have been posing TLH questions recently might feel the same way. I wondered, though, what happens if my spouse has just purchased shares in VXUS when I intend to tax loss harvest losses on my own shares in VXUS? If I were to sell all of...
by notsure
Tue Jul 02, 2013 3:20 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Returns website down?
Replies: 58
Views: 11073

Re: Long-Term Returns website down?

LTR was a fantastic resource and its author was extremely helpful about answering reader queries. I sincerely hope he or she isn't being sued and simply got a great job that required the website to go down! From now on, I'll just be reading bogleheads and Oblivious Investor for investment advice.
by notsure
Tue May 14, 2013 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Norwegian Inheritance - What would you do?
Replies: 8
Views: 1115

Re: Norwegian Inheritance - What would you do?

Speak with good tax advisors in both Norway and the U.S. In your shoes (depending on the tax advice), I would personally move the money to USD and invest it in a three fund portfolio with Vanguard. If you choose to invest the money in passive funds, I imagine it'll almost certainly be prudent to inv...
by notsure
Wed May 08, 2013 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Still dislike VGIT (Intermediate-Term Government Bond ETF)?

I posted a question previously about bond funds but accidentally gave incomplete information about the funds that were available to me. I now realize I can invest in the Vanguard Intermediate-Term Government Bond ETF (VGIT), too. VGIT is a tax-efficient option for someone in my situation (investing ...
by notsure
Tue May 07, 2013 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Please critique this portfolio: 100% VT. [Total World Index]
Replies: 78
Views: 5493

Re: Please critique this portfolio: 100% VT. [Total World In

boggler might want to read this on Long-Term Returns, demonstrating how it's really very simple to hold VTI and VXUS and achieve comparable results to VT.
by notsure
Mon May 06, 2013 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Funding Schwab brokerage account with foreign currency?
Replies: 0
Views: 253

Funding Schwab brokerage account with foreign currency?

I've noticed a couple of Bogleheads threads where members mention Schwab's service that allows you to fund your US-based Schwab brokerage account, by transferring foreign currency you hold in a foreign account to an account they hold in that country. For example, you could transfer pounds sterling h...
by notsure
Sun May 05, 2013 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Bonds, taxes, limited funds to choose from

I've slowly built up a little more knowledge from reading many great Bogleheads threads, the Bogleheads Guide to Investing, and The Elements of Investing. My portfolio plan has evolved. Long-Term Investor was extremely helpful in outlining how to achieve a globally-weighted stocks allocation (equiva...
by notsure
Mon Apr 29, 2013 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Suggested strategy for large international money transfer?
Replies: 5
Views: 561

Re: Suggested strategy for large international money transfe

Thanks jenn3. That is indeed helpful, real £-to-$ experience. I'll look into Barclays.
by notsure
Fri Apr 26, 2013 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Bonds, taxes, limited funds to choose from

To update, I think I'm no longer likely to go 100% stocks -- more like 80% stocks/20% bonds with the aim to raise the bond allocation to 25% with new contributions. My starting portfolio could total as much as $900,000 and I've started to think about how the stakes will get much higher with that siz...
by notsure
Fri Apr 26, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Suggested strategy for large international money transfer?
Replies: 5
Views: 561

Re: Suggested strategy for large international money transfe

I'm glad neither of you is against using a major bank. Thank you for the advice.
by notsure
Fri Apr 26, 2013 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Suggested strategy for large international money transfer?
Replies: 5
Views: 561

Suggested strategy for large international money transfer?

I anticipate making a large transfer (of more than $300,000) from a U.K. bank account to a U.S. bank account in the coming months (i.e. from £ to $). I have done some research but haven't found a strategy that seems to be risk-free and low-cost. The forex companies I've read about, like currencyexch...
by notsure
Tue Apr 23, 2013 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Bonds, taxes, limited funds to choose from

snowman and dbr, those are helpful clarifications. I understand, dbr, that your point was about the very limited effect of a 10% bond allocation and not about advocating for 100% stocks. And thank you for the reading ideas, snowman. As far as buying VT only and be done with it, it certainly is an op...
by notsure
Tue Apr 23, 2013 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Bonds, taxes, limited funds to choose from

snowman and dbr, thank you for your suggestions. You have both made me feel confident in a 100% stock portfolio, together with what I've read on Oblivious Investor regarding young investors. (I had been considering 100% stocks recently.) I identify with snowman's recommendation to keep the portfolio...
by notsure
Tue Apr 23, 2013 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Help a young man plan

Paul (tibbitts), thank you very much for your reply. Just to confirm, are you suggesting that I do not necessarily need a bond allocation? From reading the forum, I'm aware that a bond allocation is recommended firstly to avoid reacting unwisely to ones portfolio value plummeting in a crash, and sec...
by notsure
Tue Apr 23, 2013 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Re: Help a young man plan!

Since posting my query I've been searching Bogleheads a lot for advice about using I-bonds as part (or all) of ones bond allocation. There doesn't seem to be complete agreement about this. Am I right to think that an I-bonds bond allocation would make my portfolio considerably less diversified than ...
by notsure
Sun Apr 21, 2013 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, taxes, limited funds to choose from (edited title)
Replies: 14
Views: 1259

Bonds, taxes, limited funds to choose from (edited title)

Hello, I'm new to posting on Bogleheads. I'm investing a large lump sum (about $900,000) I inherited, and am particularly uncertain about how I should invest the bond allocation. I have no current investment portfolio and cannot invest in tax-advantaged accounts because I'm a graduate student in my ...

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