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Re: is this a wash sale?

Let me ask a question in return. Suppose one buys VWO on 9/25 and again on 9/29. Then sells on 10/6 the entire 9/29 position in VWO for a gain. Then sells the entire 9/25 position in VWO for a loss on 10/16. Is that a wash sale? I would say no, unless you buy VWO again before 11/16, because you're ...
by rkhusky
Thu Oct 30, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 471

Re: A Little Common Core Math problem

Ran into a similar scenario with my 5th Grade son. He is able to identify the correct answer based on the multiple choice selections, but cannot perform the following calculation steps: Spoiler alert!! D = 8C D + C = 63 1. 8C + C = 63 2. 9C = 63 3. C = 63/9 = 7 4. D + 7 = 63 5. D = 56 I help him wi...
by rkhusky
Thu Oct 30, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2245

Re: More funds = more "efficient" rebalancing?

I know of no fund that has a fixed developed/emerging ratio,...... For a moment, I thought perhaps there was some obscured fixed ratio (Developed/Emerging) fund out there. :) Just because I don't know of a fund doesn't mean that there isn't one out there. But in any case, in my personal portfolio I...
by rkhusky
Thu Oct 30, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1783

Re: REIT Index Fund in a SEP IRA vs Roth IRA

Except one is pre tax, and one is post tax. They are not the same thing, and, depending on how gains from REIT's are taxed, one might be MORE advantageous than the other, are they not? Is it not recommended that REIT's NOT be held in taxable accounts? No, there is no taxation within a tax-advantage...
by rkhusky
Thu Oct 30, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: REIT Index Fund in a SEP IRA vs Roth IRA
Replies: 9
Views: 531

Re: Expected Tax Drag of a Taxable Account

Also note that only 2/3 of dividends for Total Int'l are qualified, which offsets the foreign tax credit. You need to calculate the extent of the offset for your situation. But if you have Intn'l in taxable for other reasons, make sure you do take the credit. Here's an example: Suppose you had an am...
by rkhusky
Wed Oct 29, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Expected Tax Drag of a Taxable Account
Replies: 7
Views: 1079

Re: Can 401(k) plus IRA contributions exceed earned income?

Traditional 401K contributions reduce your earned income. You cannot contribute more than your earned income to an IRA. From 1040 instructions: Generally, your earned income is the total of the amount(s) you reported on Form 1040, lines 7, 12, and 18, minus the amount, if any, on line 27. Also see: ...
by rkhusky
Wed Oct 29, 2014 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Can 401(k) plus IRA contributions exceed earned income?
Replies: 13
Views: 991

Re: My first post, TSP advice.

evilityb wrote: For a non-working spouse, you can open a Traditional IRA. When she is working, you can open either a Roth or Traditional.

Not sure if you meant this like it sounds, but you can put money into a Roth IRA if your spouse is not employed.
by rkhusky
Tue Oct 28, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first post, TSP advice.
Replies: 17
Views: 1270

Re: My first post, TSP advice.

Yep the adjustment of AA% overtime. Per the TSP website they adjust 4x per year. Vanguard Xx per year? Mr. Frog :beer Vanguard keeps that close hold. See: http://www.obliviousinvestor.com/interview-with-vanguards-john-ameriks-about-target-retirement-funds/ http://theinquiringinvestor.com/2012/06/03...
by rkhusky
Tue Oct 28, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first post, TSP advice.
Replies: 17
Views: 1270

Re: My first post, TSP advice.

Both will get "automatic rebalancing" for TSP it is every 4 month. Unsure Vanguard frequency but at least once yearly (anybody know frequency)? I would've thought they both rebalanced daily. Or were you referring to the process of gradually getting more conservative with time, i.e. adjust...
by rkhusky
Tue Oct 28, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first post, TSP advice.
Replies: 17
Views: 1270

Re: Tilted to SV by mistake, should I TLH out of it?

If you have an opportunity to TLH a significant amount, you might as well take it.
by rkhusky
Tue Oct 28, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1655

Re: My first post, TSP advice.

I was thinking about splitting it up into 10% G Fund 10% F Fund 20% C Fund 20% S Fund 40% I Fund Note that the Total Stock Market has a ratio that would be about 32% C and 8% S (30/10 is probably close enough), so with equal weighting you are tilting towards small caps (not that there's anything wr...
by rkhusky
Tue Oct 28, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: My first post, TSP advice.
Replies: 17
Views: 1270

Re: Help with new Trad Vanguard IRA allocations

Since you are young and in a low tax bracket, you could also think about converting part or all of the Traditional IRA to a Roth. It depends somewhat on where you see your income going in the future and what you think your tax bracket in retirement might be.
by rkhusky
Mon Oct 27, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new Trad Vanguard IRA allocations
Replies: 3
Views: 325

Re: Expected Tax Drag of a Taxable Account

Ged wrote:I think there can be a tax advantage to holding equities in a taxable account for the following reasons:
1. Capital gains taxation vs gains taxable as ordinary income.


This is not applicable when comparing to tax deferred or Roth, perhaps just when comparing to non-deductible tax deferred.
by rkhusky
Mon Oct 27, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Expected Tax Drag of a Taxable Account
Replies: 7
Views: 1079

Re: Should I buy more REITs?

Keep in mind that Total Stock Market, Mid Cap and Small Cap funds also have REIT's (http://www.bogleheads.org/wiki/Percentages_of_REITs_present_in_Vanguard_index_funds). You can compare your portfolio percentage with that in TSM to see how much you are tilted. If TSM is indeed 2% REIT, than you appe...
by rkhusky
Mon Oct 27, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 39
Views: 3557

Re: So you think you're a Risk-taker?

If you think you are a risk-taker, compare yourself to this guy:
http://money.cnn.com/2014/10/27/investi ... index.html

Get lucky on a couple of stocks and decide that you have what it takes to make it on Wall Street.
by rkhusky
Mon Oct 27, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3784

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

The easiest way to do what you are suggesting is to buy your three funds (small VSMAX, mid VIMAX, large VLCAX) in the same proportion they appear in TSM. Then maintain that ratio over time. There is no need to compare returns or prices to TSM. If this is in a taxable account, there will be a tax con...
by rkhusky
Mon Oct 27, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3054

Re: Roth question? [Contributing to Roth IRA]

Without knowing what else you have, how about Small Value, Health Care, Precious Metals, Energy, Emerging Markets, FTSE All-World ex-US Small-Cap Index, or Global ex-U.S. Real Estate for play money?
by rkhusky
Mon Oct 27, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth question? [Contributing to Roth IRA]
Replies: 4
Views: 623

Re: What is the recommended amount of international holdings

Any reason for Total Bond in taxable?

Int'l Explorer has an ER of 0.36% (no Admiral)
Select Value has an ER of 0.44% (no Admiral)
Wellington has an ER of 0.18% (Admiral shares)

I have no problem with active funds, if the price is right and the past performance is reasonable.
by rkhusky
Fri Oct 24, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 15
Views: 1689

Re: More funds = more "efficient" rebalancing?

Rodc wrote:I guess I presume one does not rebalance something that is in balance.

I concur.
by rkhusky
Fri Oct 24, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1783

Re: More funds = more "efficient" rebalancing?

What is this "automatic adjustment" that occurs in a market cap fund? I am not aware of any adjustment (at least in a total market fund, some have size cutoffs for example). Indeed I thought one of the great attributes of cap weight funds is the fact they have no such adjustment which is ...
by rkhusky
Fri Oct 24, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1783

Re: More funds = more "efficient" rebalancing?

Tfb, Chan_va or others: Can you expend a bit further what it means that total funds continuously rebalance? If, for instance, "total international" simply reflects the whole international market, and if "emerging" performs better than the rest of the fund, wouldn't its share of ...
by rkhusky
Fri Oct 24, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1783

Re: Calculating return

Thank you all for the thoughtful responses. I will try to compare my portfolio with a similarly allocated test portfolio using your formulas. I am currently paying a 1.5% assets under management fee on my brokerage account and I am trying to learn enough to eventually manage my own portfolio. Rathe...
by rkhusky
Fri Oct 24, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 34
Views: 2712

Re: TSP Contribution

See this wiki page to get some insight into the prognostication that one needs to make to decide if Roth or Traditional is better: http://www.bogleheads.org/wiki/Traditional_versus_Roth See this wiki page to see how Social Security affects the calculation: http://www.bogleheads.org/wiki/Taxation_of_...
by rkhusky
Fri Oct 24, 2014 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP Contribution
Replies: 7
Views: 796

Re: More funds = more "efficient" rebalancing?

Tfb, Chan_va or others: Can you expend a bit further what it means that total funds continuously rebalance? If, for instance, "total international" simply reflects the whole international market, and if "emerging" performs better than the rest of the fund, wouldn't its share of ...
by rkhusky
Fri Oct 24, 2014 7:45 am
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1783

Re: Close roth for tax deduction and open new one in same yr

And you have to close all your Roth IRA's, not just the ones with losses.
by rkhusky
Thu Oct 23, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Close roth for tax deduction and open new one in same yr?
Replies: 11
Views: 788

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

From what I understand, the TSA is no longer using the "naked body" scanners, where the imagery was piped off to a separate room because of privacy concerns. The displays now just show a generic human form with an indication where suspicious objects/material might be. Because I am usually ...
by rkhusky
Thu Oct 23, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2219

Re: MAGI/ ira limit question

For a certain set of parameters, the non-deductible IRA is better than a taxable account. For other sets of parameters, the opposite is true. See: http://www.bogleheads.org/wiki/Non-dedu ... tional_IRA. You need to figure out your own set of parameters.
by rkhusky
Thu Oct 23, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: MAGI/ ira limit question
Replies: 12
Views: 535

Re: Question about nondeductible traditional IRAs

This wiki page has a comparison between taxable and non-deductible IRA: http://www.bogleheads.org/wiki/Non-dedu ... tional_IRA for a specific set of parameters. You would need to do a similar analysis for your situation to determine if taxable or non-deductible IRA is expected to be better.
by rkhusky
Thu Oct 23, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about nondeductible traditional IRAs
Replies: 6
Views: 441

Re: What is VG's U.S. Small Cap Index Median Market Cap?

I don't have an answer for you. Morningstar lists avg market cap as $2.7B and the benchmark as $1.4B. Perhaps Vanguard is slowly adjusting to the switch to the CRSP index so as not to incur capital gains.
by rkhusky
Wed Oct 22, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is VG's U.S. Small Cap Index Median Market Cap?
Replies: 3
Views: 327

Re: New investor, suggestions for 401k Rollover and Roth IRA

39% VANG INST INDEX PLUS (VIIIX) (500 Index) 10% VANG EXT MKT IDX INS (VIEIX) (completes the 500 index to make total stock market) 21% VANG TOT INTL STK IS (VTSNX) 30% VANG TOT BD MKT INST (VBTIX) This is the often discussed 3 fund portfolio at 70% stocks, 30% bonds with 30% of stock (21% of portfo...
by rkhusky
Wed Oct 22, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor, suggestions for 401k Rollover and Roth IRA?
Replies: 15
Views: 833

Re: Which lots do you sell when redeeming shares?

mhc wrote:You've got it. Sell the ones with the least tax burden unless you would not have to pay cap gains taxes due to your tax bracket.

Then you may want to realize some cap gains (sell shares with lower cost basis), up to the limit where they become taxable.
by rkhusky
Wed Oct 22, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Which lots do you sell when redeeming shares?
Replies: 14
Views: 920

Re: Calculating return

Keep it simple. Use Yahoo Finance and compare it to VOO. Keep in mind that Yahoo provides only price return -- not total return. That means that it doesn't factor in dividends. I've gotten total return results from Yahoo. They have a column in their results that is labeled "adjusted price"...
by rkhusky
Wed Oct 22, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 34
Views: 2712

Re: Back door IRAs -- transferred benefits to a traditional

Transfer funds back to your old employer. Find an employer that will accept Traditional IRA transfers (perhaps part time and then quit once you've done the transfer). Start your own business, implement a 401K, transfer your tIRA to that. Forget about investing in a Roth. Pay the taxes required for d...
by rkhusky
Tue Oct 21, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back door IRAs -- transferred benefits to a traditional IRA
Replies: 4
Views: 283

Re: Write-off capital loss against capital gains?

One question that I've had is: Do you have to use the capital losses to offset any gains? Or can you save the losses and only apply them against income and non-qualified capital gains? Yes to the first, no to the second. (Also, you meant to say "short term capital gains". I don't think th...
by rkhusky
Tue Oct 21, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1266

Re: Portfolio Strategy Suggestions? (Transamerica, TSP, 529?

Any thoughts on 75/25 stocks vs bonds with 25% international? I realize everyone has to assess their own risk tolerance but I'd appreciate any comments on if you think that fits our current situation. Thanks! That seems perfectly reasonable for someone your age. How do you account for the 50K we ha...
by rkhusky
Tue Oct 21, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy Suggestions? (Transamerica, TSP, 529?s)
Replies: 12
Views: 839

Re: Is FSA retroactive for child birth?

I found this quote on the web (https://www.fsafeds.com/forms/qscfact.pdf): Payroll changes will be effective on the first pay period following approval (by FSAFEDS) of your QLE as determined by your agency’s payroll schedule. If the QLE is due to the birth of a child, your effective date will be ret...
by rkhusky
Tue Oct 21, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Is FSA retroactive for child birth?
Replies: 8
Views: 724

Re: Write-off capital loss against capital gains?

You can deduct up to $3K off your income due to capital losses per year, which can often be more advantageous than the capital gain write-off, unless you have a lot of non-qualified capital gains. One question that I've had is: Do you have to use the capital losses to offset any gains? Or can you sa...
by rkhusky
Tue Oct 21, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1266

Re: New Job 401 k

Total International has EM and so does Target Retirement. For a set it and forget it approach, the Target Retirement funds are good in a tax advantaged account. Just pick the stock percentage that fits your risk profile - ignore the year in the fund name. Vanguard has a tool to get a quick swag at y...
by rkhusky
Mon Oct 20, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job 401 k
Replies: 10
Views: 669

Re: What's a good fund to do a backdoor Roth IRA with?

Why would you care if you were out of the market for a few days with a small percentage of your portfolio? On average, you might gain a few cents, but if it requires more bookkeeping, I would avoid it.
by rkhusky
Mon Oct 20, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: What's a good fund to do a backdoor Roth IRA with?
Replies: 5
Views: 581

Re: Employer AND IRA retirement accounts

For example, if you are single, covered by a retirement plan at work, and have a modified AGI less than $60K, then you can deduct your IRA contributions. See http://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits I think Vanguard asks whether it is a deductible or Roth IRA. I know my Roth is label...
by rkhusky
Mon Oct 20, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Employer AND IRA retirement accounts
Replies: 4
Views: 366

Re: Employer 401(k) vs. Vanguard IRA investments

Duckie, I can't thank you enough for the help. I'm going to look into the Back-door Roth and also see if I can convert my Roll-over IRA into my 401k. If I use the Back-door Roth, it appears that this technique would allow me to continue investing in my Roth without ever having to open a traditional...
by rkhusky
Sun Oct 19, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1265

Re: Tax Loss Harvesting VTIAX

I am not sure wash sales in an IRA matter - they aren't reported for IRS purposes (as far as I know) and you can't take a loss in a IRA and apply it against your gains in non-retirement account on your taxes - the only thing that matters is the IRA balance when you start withdrawing funds out at yo...
by rkhusky
Sat Oct 18, 2014 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting VTIAX
Replies: 18
Views: 1272

Re: Employer 401(k) vs. Vanguard IRA investments

Thanks rkhusky, that's good information. Looking at Vanguard's recommendations I think maybe I'll go 75% FUSVX and 25% FSITX for my 401k and then maybe I'll invest some money in VTIAX. My income seems to be too high for a Roth now, so maybe I should now open a Vanguard IRA and invest in VTIAX. How ...
by rkhusky
Sat Oct 18, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1265

Re: Employer 401(k) vs. Vanguard IRA investments

but at age 35 I recommend 70% stocks, 30% bonds, with 30% of stocks in international. At age 35, I would seriously consider an asset allocation of 70% (equities) and 30% (bonds). That's a bit on the conservative side. You could easily be 80% stock. For example, Vanguard's Target Retirement 2045 is ...
by rkhusky
Sat Oct 18, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1265

Re: Can anybody to backdoor Roth IRA investments?

I never heard of such a rule. You also must not reach age 70.5 in the contribution year or earlier because that bars you from making any traditional IRA contribution or from receiving a spousal TIRA contribution. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-C...
by rkhusky
Sat Oct 18, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Can anybody to backdoor Roth IRA investments?
Replies: 14
Views: 1634

Re: Is Roth 401k better even if future tax bracket is lower?

The break even point assumes that all contributions and withdrawals are taxed at the same rate. But if one doesn't have a pension or other significant sources of income, such that withdrawals span multiple brackets, one should consider the average tax rate on withdrawals, which will be smaller than...
by rkhusky
Fri Oct 17, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1952

Re: Vanguard REIT index fully contained within TSM index?

I would guess that the vast majority of REIT index holdings are in the TSM index. You can find the list of holdings on Vanguard's web site by clicking on Portfolio and Management and then on Portfolio holdings near the bottom of the page. It is a bit tedious in that the web site only shows 50 at a t...
by rkhusky
Fri Oct 17, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT index fully contained within TSM index?
Replies: 2
Views: 349

Re: Tax Loss Harvesting with Emergency Fund

As suggested by the wiki, you could sell Total International and buy FTSE All World Ex-US (you could also buy Developed Market). But this does require holding 1 more fund. After 60 days (due to Vanguard's rules, unless you do the trade by mail, http://www.bogleheads.org/wiki/Frequent_trading_policy)...
by rkhusky
Fri Oct 17, 2014 8:36 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting with Emergency Fund
Replies: 7
Views: 533

Re: Is Roth 401k better even if future tax bracket is lower?

If you contribute the same amount out of pocket to either account, and retire in the same bracket, traditional versus Roth is break-even. If you retire in a lower bracket, traditional is better; if you retire in a higher bracket, Roth is better. The break even point assumes that all contributions a...
by rkhusky
Fri Oct 17, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1952
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