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Defer capital gain when moving bond from taxable to IRA

Hello everyone, I have been indexing for a while but havent paid attention to portfolio allocation. Its now coming back to bite me. I'm considering shuffle my portfolio allocation according to Principles of tax-efficient fund placement in the wiki. I'm wondering if there is a way for defer the capit...
by vchiu25
Thu Jun 19, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Defer capital gain when moving bond from taxable to IRA
Replies: 5
Views: 405

What will happen to BND if US default?

Hi,

Just curious what will happen to BND if US default? Does BND still provide adequate protection as portfolio anchor in this case?
by vchiu25
Wed Oct 09, 2013 2:21 am
 
Forum: Investing - Theory, News & General
Topic: What will happen to BND if US default?
Replies: 19
Views: 1992

Does VTI already include REIT

Just curious, does VTI already include REIT? If so, what percentage?
by vchiu25
Fri Aug 16, 2013 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Does VTI already include REIT
Replies: 17
Views: 1988

How to transfer from VFINX to VTSMX

Hi, Looking for some advice. I'm invested in VFINX instead of VTSMX in taxable. This is a legacy bug from a long time ago when I first started. What is the pro/con of switching? Should I move it to VTSMX now and pay the capital gain? or should I keep waiting until I can loss harvest? Given the recen...
by vchiu25
Wed Jul 31, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to transfer from VFINX to VTSMX
Replies: 5
Views: 395

Cash vs bond

Hello boglehead

Can someone help explain to me the downside of holding cash instead of bond?

Thank you
by vchiu25
Sun Jul 21, 2013 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash vs bond
Replies: 9
Views: 889

Re: Transferring property in Washington state

My understanding is if its under 5 million lifetime exclusion there will be no gift tax.

Gnirk, do you remember what you have to put in the excise form to get exempt from excise tax?

Seattlreader, we should compare note.
by vchiu25
Thu Jul 18, 2013 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring property
Replies: 8
Views: 703

Re: Transferring property in Washington state

Thanks, the forms seems a bit confusing, maybe I do need help.

Has anyone have any experience with LegalZoom?

What is the best way of finding a local attorney if I go down that route?
by vchiu25
Tue Jul 16, 2013 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transferring property
Replies: 8
Views: 703

Re: Math degrees

Liking math in high school is going to be really different from liking math in college.

I liked math in high school, but when I get to all the theoretical stuff in college it was over my head. The applied math stuff is half math half computer science. But it gets pretty theoretical as well.
by vchiu25
Tue Jul 16, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Math degrees
Replies: 70
Views: 5500

Interest rate of Vanguard money market

Hi Boglehead I been keeping my cash in Vanguard money market (low 5 digit). I realize I don't really know how to interpret the interest rate. The website say it has SEC yield of 0.02% as of 07/15/2013 and expense ratio of 16%. What does that mean? Should I move my cash to a high yield saving at .85%...
by vchiu25
Tue Jul 16, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate of Vanguard money market
Replies: 11
Views: 2574

Re: AA. Now 70/30. Thinking of 80/20.

I'm actually thinking about doing the same thing. I accumulate enough cash over the last year so my asset allocation has shifted to 70/30 instead of 80/20.
by vchiu25
Tue Jul 16, 2013 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 36
Views: 2801

Transferring property

We are transferring a single family home between family in Washington state (no money involved). I did some research, look like we need to do a quitclaim and excise tax affidavit. Has anyone in the forum done this before? Is this something I can do myself or should I get an attorney? How do people u...
by vchiu25
Tue Jul 16, 2013 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring property
Replies: 8
Views: 703

How does VIPSX work

Can someone explain how VIPSX works? The yield is -1%? So I will be losing 1% a year if the price doesn't change?

https://advisors.vanguard.com/VGApp/iip ... undId=0119
by vchiu25
Tue Oct 09, 2012 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: How does VIPSX work
Replies: 14
Views: 1469

Personal rate of return

Hello, Under Vanguard/Performance/Investment Return, there is a box showing personal rate of return. Was wondering if any can help how to read it? 1) Is dividend included? i.e. should I added 2% to this number to get my "total return?" 2) Are they annualized return for the last 1, 3, and 5...
by vchiu25
Thu Oct 04, 2012 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal rate of return
Replies: 9
Views: 961

Re: Putting portfolio on autopilot - will it crash?

To answer the title question, yes, almost certainly TR2050 will crash sometime in the future, with some chance of that happening in the next ten years. If that question is meant seriously, then all this tax discussion seems to be beside the point. yeah, I wasn't very clear, crash not in market cras...
by vchiu25
Wed Jul 04, 2012 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting portfolio on autopilot - will it crash?
Replies: 13
Views: 1860

Re: Putting portfolio on autopilot - will it crash?

If you will be working abroad, won't you basically be in the 0% income tax bracket anyways due to the Foreign Earned Income Exclusion? If you wil be switching employer, then you should be able to rollover the 401(k) into IRA and do some conversions to Roth IRA at 0% tax rate. Hi Livesoft, My unders...
by vchiu25
Mon Jul 02, 2012 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Putting portfolio on autopilot - will it crash?
Replies: 13
Views: 1860

Putting portfolio on autopilot - will it crash?

Hello Boglehead.

Been investing for about 10 years but new to the board. Was wondering if I can get peoples opinions on using target retirement fund in taxable account. This would go against the principle of tax efficient placement. But the simplicity is really attractive to me.
by vchiu25
Sun Jul 01, 2012 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting portfolio on autopilot - will it crash?
Replies: 13
Views: 1860

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