Bogleheads

Vanguard because of low expense ratios and passively managed insides.

One can always look at the holdings and pick an asset allocation that suits you. Don't go by the date.

My 401(k) has Fideli ...

Cash is yielding about 0.1% to 2% nowadays. To get the higher end of that, you have to purchase CDs from special places or open accounts with teaser rates.

If you give up on cash there are many op ...

I read in another thread that bonds should be held in tax deferred and stocks/ stock mutual fnd in non tax deferred. How does this apply to Roth?
...
Any thoughts on Roth and bond funds appreciated. ...

If I were in your shoes, I would set things up so that I had almost no taxable income, then use that fact to convert some money from regular IRA to Roth IRA. I would be doing that each year until I c ...

Sell all losers now. You really shouldn't wait. You want as large a loss as possible. Use the proceeds to fulfill your desired asset allocation with low-expense ratio passively managed funds. They ...

If an ETF has a small bid/ask spread and reasonable daily volume, then I think it is a waste of time to worry about the IIV or NAV. Your act of purchase or sale changes the IIV.

It's hard to give advice in a vacuum. Perhaps you have even better choices that you didn't write about?

These funds might return 1% more than some other fund, so with a $20K investment that's ju ...

A better forum for you: http://www.early-retirement.org/forums/index.php
but welcome!

Years ago when there really were no other ETFs, I used SPY, MDY, IWM and EFA. Now that there is competition, I choose lowest expense ratios. I was able to get out of the earlier ETFs when I sold for ...

Since there's only 6 weeks left in the year, you are not going to reduce your taxes for this year by much by switching your cash needs around. I would certainly not buy the distribution, but would lo ...

People convert in order to save on taxes. Can you tell us if this would save you on taxes? If your tax bracket is 15% now, won't it go lower when you retire and stop working? Given the limited info ...

I didn't think there were any studies that claimed that a 4% sustained withdrawal rate guaranteed a 100% chance of success. The studies I have read have always had a qualifying statement such as: &q ...

And since one can always find suitable replacement shares, there probably is no need to buy the exact same fund shares in the Roth anyways.

I would consider the sell of the short-term lot at a loss and the purchase in Roth within 30 days a wash sale.

The sale of the LT shares at a gain is really unrelated.

I meant call up WF brokerage. The banker won't be able to figure this out.

What are the choices? So far, it looks like (a) you possibly get a bonus of stock and cash or (b) you get nothing. In that case, you always want (a).

Cash flow should go to investments. Whether you call those investments "for retirement" or "for financial freedom" doesn't really matter.

Isn't this a question for WellsFargo? You want to ask them, "Can I tranfser 'in-kind'?" You do not need to sell and re-buy.

You can certainly do this: Convert your shares to ETF shares. ...

Are there any sensible people here without homeowner’s insurance?
The answer to your question appears to be "No". Sensible people have insurance, but some of them have high deductibles. ...

Yes, I think he got mis-informed or some other mis-communication happened.

There is no similar provision to TLH in an IRA, but it may be possible under what I would call rare circumstances.

Here are some links: http://www.google.com/search?q=tax+deduction+ira+loss

Vanguard GNMA fund in a tax-deferred account.
Vanguard invest-grade short-term bond fund in a tax-deferred account.

I don't see a problem with taking cap gains in a bond fund. You have to think about the alternative though. If you would simply take the money and buy other similar bonds, then what's the point?

...

What MossySF wrote. Usually the folks in charge of the 401(k) plan are clueless about this limitation. It is something trivial to change and probably does not have any negative effect for the compan ...

I have had 4 surgeries including one operation for ACL reconstruction & torn meniscus. All of them have used general anesthesia.

I am not a a redhead and can take pain quite well. I rarely us ...

It appears that WF is running a customer satisfaction survey. When one uses their account, I guess you have a chance of being asked to complete the survey. You should, since one of the questions is ...

Highest tax bracket suggests that you have plenty of investments in a taxable account and possibly room in tax-deferred for all your fixed income.
Have you read this: http://www.bogleheads.org/wiki/P ...

You should see if it is better for you to delay when you get SS rather than take it at age 62. Is your spouse eligible for SS as well? These are big questions that I would try to get answered if I w ...

I am unaware of anybody who scrimps and saves in order to have a more expensive lifestyle in their 50s.

Indeed, folks who live below their means generally do not switch gears even if they have ...

Not to be unappreciative, but please let me know in advance of the next 8% dip recovery.
Just start a new thread and update it daily by 3 pm Eastern with your asset allocation. From that one can eas ...

I wouldn't get all in a tizzy about this. Have you seen the "Did You Know?" videos about social media? This is just a reminder that social media have had huge growth in the last 2 years. ...

This is why one should have an ISP that states that you should buy on dips. There was a nice dip around the end of October. I think we are up about 6% to 8% in those 2 weeks. That's like 2 years of ...

This is a great thread because we can all help schnoodlemom with negotiating without really sitting down.

I'd walk from this deal and let them make you a better offer, then walk from that deal unti ...

I hope that is 0.09%

You do not have to wait since with your chosen replacement shares there would be no wash sale. You will likely be "buying the dividend" and have to pay tax on it.

If you become a benefactor of the university, you can often get a library card with access to all the online stuff. Have you called the Development Office and asked what level of contribution gets yo ...

Definitely sell before the distribution. And if you can, buy the S&P500 after its distribution.

But what did the planner answer when you asked them this question?

For folks who want a more sophisticated 529 plan strategy that would allow for tax-loss harvesting, you may wish to do the following:

1. Have 2 separate 529 plans for each beneficiary.
2. Each of ...

Doesn't www.i-orp.com make these calculations for you? What does it say?

It seems like you have decided on a decent-enough portfolio. Have you read Otar's book "Unveiling the Retirement Myth"? It may have some interesting info for you. I certainly enjoyed it. ...

How much tax-credit would you have received? Why not document that amount and ask for that amount? Go to small claims court to get it.

My spouse loves the car buying experience:

The online research
The actual shopping
The test drives and the loaner cars
The personal interactions with the sales reps
The negotiation is the most ...

Now you can just worry about whether those folks know that they might need to file a gift tax return or not.

Here is something we often see: Parents give kids their home to save on taxes. There a ...

It's easy to find the IRS rules on all this and it makes for nice reading as well. Look for the word "gift" on this web page:
http://www.irs.gov/publications/index.html

You need a mix of index funds. Do not confuse "index funds" with just the Vanguard S&P500 index fund or the Vanguard TotalStockMarket index fund.

There are index funds in each of sev ...

Please do NOT confuse the requirement to file a gift tax return and the actual paying of gift tax. There are many instances where a gift tax return should be filed, but I think in the vast majority o ...

I would ignore any taxes on these dividends. In essence the date when the statute of limitations kicks in is long past.

What would I do? I always had a goal of retiring early, so I would work towards that. That means, pay off HE. Re-finance mortgage to lower rate and max out all retirement and taxable accounts in or ...

...
I'd consider paying off the mortgage because that would reduce taxable cash flow required to pay it.
I see I was wrong. Your taxable cash flow is high because of RMDs regardless of the mortga ...

I will say that we have done as well as can be expected. In 2007 I made a decision to semi-retire in 2008. Our income went down substantially as expected. The drop in income was partially offset by ...

The link you gave states "This fund is closed to new investors."