Search found 3546 matches

by House Blend
Thu Dec 08, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Dilemma
Replies: 26
Views: 2765

Re: RMD Dilemma

Bogle0048, I read your post with interest as I am also considering these things myself. Perhaps, it is not possible for you to explain this but Sorry, somehow, the numbers did not make sense to me because of these statements: My wife and I are in a similar circumstance, though not with as much as t...
by House Blend
Thu Dec 08, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Question about international funds and investing larger sums at market highs
Replies: 3
Views: 266

Re: Question about international funds and investing larger sums at market highs

The past is past. Ask any long-time Boglehead the following: "If your portfolio were to be cashed out today, would you re-buy according to your current asset allocation?" You'll get the same answer from all of them. FWIW, twice I have had large lumps of cash to invest: 1. The first time wa...
by House Blend
Thu Dec 08, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting with VTSAX and VFIAX
Replies: 6
Views: 517

Re: Tax Loss Harvesting with VTSAX and VFIAX

However, the market went up and now the gains on selling the VFIAX shares would be more than the loss from the VTSAX sale - basically defeating the purpose of the whole transaction. Umm, no. This is exactly how TLH is supposed to work. In fact, it is the best case scenario. You maintained your AA t...
by House Blend
Mon Dec 05, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Index Fund NAV and Dividends
Replies: 4
Views: 402

Re: Index Fund NAV and Dividends

In a tax-advantaged account, there is no way to be swindled out of dividends due to an ill-timed transfer from one mutual fund to another. (You could get "swindled" due to time out of the market, but that's a different matter.) You need to understand two things: 1. A stock mutual fund coll...
by House Blend
Sun Dec 04, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting: Which shares to sell?
Replies: 10
Views: 890

Re: Tax Gain Harvesting: Which shares to sell?

I would prioritize the highest-cost (long term) shares.

The non-cosmetic reason is that the ideal situation for a taxable portfolio is that you concentrate all of your unrealized gains into as few shares as possible. You would plan on donating those shares or earmark them for your beneficiaries.
by House Blend
Sun Dec 04, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: Where are the annual reports for several international Vanguard funds?
Replies: 6
Views: 466

Re: Where are the annual reports for several international Vanguard funds?

The last annual report for the Vanguard Emerging Markets Stock Index Fund was 10/31/2015, with the semiannual report in April, 2016. The same holds for other popular international funds offered by Vanguard: the FTSE All-World ex-US Small-Cap Fund (VSS/VFSVX) and the Total International Stock Index ...
by House Blend
Fri Dec 02, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: These days what would you TLH with total stock market?
Replies: 7
Views: 643

Re: These days what would you TLH with total stock market?

In the past, I have used VG Large Cap Index. But if the opportunity arises in the future, I am leaning towards VG Tax Managed Capital Appreciation. It benchmarks against the Russell 1000, so a bit broader than VG Large, with a touch of active (tax) management to make it even less substantially ident...
by House Blend
Fri Dec 02, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Vwitx TLH question
Replies: 4
Views: 511

Re: Vwitx TLH question

If I bought VWITX 7-10 days ago, can I still sell all my shares and realize the tax-loss? I get confused with the +-30 days. If you sell *all* shares of Fund X that you own, and don't buy new shares, you don't have a wash sale.[*] [*] Nevertheless, some brokers may mark some of your shares as being...
by House Blend
Fri Dec 02, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How do others handle their withdrawals or distributions
Replies: 17
Views: 1793

Re: How do others handle their withdrawals or distributions

We have spend the first three years withdrawing from taxable as needed (very little really) while doing Roth conversions. Had we not done a lot of gifting to our children and grandchildren's 529 plans, we would not have had any withdrawals. We are in year 4 and I am delaying taking SS benefits beyo...
by House Blend
Thu Dec 01, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Investment suggestions for after-tax 401k monies while waiting rollover to Roth (i.e. Mega Backdoor Roth)
Replies: 11
Views: 645

Re: Investment suggestions for after-tax 401k monies while waiting rollover to Roth (i.e. Mega Backdoor Roth)

I agree with the general principle to maintain your overall AA during the process. And if you like to work things out to many decimal places, use assets with expected low growth that are already part of your AA for the after-tax contributions. Another angle to pursue that I have not seen mentioned i...
by House Blend
Wed Nov 30, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do others handle their withdrawals or distributions
Replies: 17
Views: 1793

Re: How do others handle their withdrawals or distributions

Mom is 83. No SS, but she has a pension, a taxable account, and RMDs. All dividends plus RMDs are sent to her bank account and we true things up twice a year: after doing taxes, and in December. The "trueing up" amounts to comparing the amount of cash in her bank account vs. a targeted lev...
by House Blend
Wed Nov 30, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Funds in Taxable account
Replies: 31
Views: 2193

Re: Vanguard LifeStrategy Funds in Taxable account

Question we are trying to figure out is should we leave the lifestrategy alone now and invest future savings after 2 years in Total Stock or covert slowly the lifestrategy funds to Total Stock. This became an issue this year mainly because the Capital gains distrib from 2015 on lifestrategy funds w...
by House Blend
Tue Nov 29, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Preliminary capital gains estimate
Replies: 10
Views: 853

Re: Preliminary capital gains estimate

Vanguard equity index funds generally don't distribute capital gains. Ever. Vanguard bond indexes sometimes do, in small amounts such as 0.10%, due to the fact that such funds, unlike equities, require substantial turnover to stay close to the target index. However, funds-of-funds such as the LifeS...
by House Blend
Tue Nov 29, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard "upgrade" = downgrade!
Replies: 2
Views: 1152

Re: Vanguard "upgrade" = downgrade!

Went through the upgrade and got a nasty surprise - an exchange that used to have a same day transaction now has to be performed in two steps over two days. When doing an RMD to the same fund in taxable this adds a day of market fluctuation to the puzzle. Have you asked about doing an in-kind trans...
by House Blend
Tue Nov 29, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Preliminary capital gains estimate
Replies: 10
Views: 853

Re: Preliminary capital gains estimate

Could you please explain why they are so high for 2015? Do funds have drastic change in capital gains estimate from year to year? Thanks! Vanguard equity index funds generally don't distribute capital gains. Ever. Vanguard bond indexes sometimes do, in small amounts such as 0.10%, due to the fact t...
by House Blend
Tue Nov 29, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Tax Loss Harvesting Assistance
Replies: 16
Views: 1250

Re: Rebalancing / Tax Loss Harvesting Assistance

The "short" window--shares held less than 1 year--is just as good or bad as the "long" window for purposes of harvesting losses. (Unless you did something un-Boglehead earlier in the year and realized short term capital gains.) More important is the 90 day window--aside from the ...
by House Blend
Mon Nov 28, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRC 415(c) and IRC 402(g) rules
Replies: 6
Views: 560

Re: IRC 415(c) and IRC 402(g) rules

Might not be on your W-2, but presumably your final paystub gives a breakdown of how all of your gross earnings were allocated, both for that pay period, plus cumulative for the year. I'd be looking for the line that shows how much was allocated to your after-tax plan, and whether it matches the $45...
by House Blend
Mon Nov 28, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Tax Loss Harvesting Assistance
Replies: 16
Views: 1250

Re: Rebalancing / Tax Loss Harvesting Assistance

FSGDX may have a 1% early redemption fee, but I'd sell those shares with such a fee if they have loss, too. The 1% fee will add to your losses and tax deduction. I'm really confused why you would suggest that. It's equivalent to choosing to increase the fund expense ratio by 1%. It makes sense to t...
by House Blend
Mon Nov 28, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Tax Loss Harvesting Assistance
Replies: 16
Views: 1250

Re: Rebalancing / Tax Loss Harvesting Assistance

Currently, I have about $4800 in dividends and expect about $6500 in dividends that I will be paying taxes on by the end of the year. Sell USO (bad purchase made in December 2014) - take the loss of about $6000. Sell about one third of FSGDX (most of this was purchased over a year ago so I'm Long o...
by House Blend
Mon Nov 28, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: IRC 415(c) and IRC 402(g) rules
Replies: 6
Views: 560

Re: IRC 415(c) and IRC 402(g) rules

Regarding the possible $200 overshoot of the 415(c) limit:

Take a look at your 2015 W-2, and/or final 2015 paystub. People sometimes get confused about the tax year that a given contribution counts toward. It's about the tax year on the paycheck, not when the money is credited to the account.
by House Blend
Mon Nov 28, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: what to do with a giant popcorn container
Replies: 14
Views: 957

Re: what to do with a giant popcorn container

Use it as a trash can.
by House Blend
Sat Nov 26, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: More terror for newbies planning to TLH muni funds
Replies: 11
Views: 1953

Re: More terror for newbies planning to TLH muni funds

If you are going to TLH the fund, you can do it after the distribution just as well; the fund price will drop by the amount of the distribution, increasing your capital loss by enough to cancel the distribution. For the VG funds at this point we don't know the break down of short vs long term cap g...
by House Blend
Fri Nov 25, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: More terror for newbies planning to TLH muni funds
Replies: 11
Views: 1953

More terror for newbies planning to TLH muni funds

There have been a lot of threads popping up lately from folks confused about tax loss harvesting their muni funds. Here's some more fuel for that fire that I haven't seen addressed in any of those threads... If you are thinking about TLH for your muni fund in the near future, it would be wise to che...
by House Blend
Wed Nov 23, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Differences in TIAA Traditional Annuities?
Replies: 4
Views: 375

Re: Differences in TIAA Traditional Annuities?

Based on my understanding, the only trade-offs are liquidity and rate, the higher the rate, the more the restrictions. Can I consider C and D as a stable value fund that I can buy and sell at any time (for C the 90 restriction applies)? Approximately yes. Your plan may have frequent trading restric...
by House Blend
Wed Nov 23, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2111

Re: TLH CA Bond Funds?

Having read the Wiki (and the footnotes) I DID discover that the optimal time to TLH (sell) is before a distribution (e,g ~ the 25th of the month) and to buy afterwards (~ the 3rd of the month). It's good that you've taken the time to read the wiki. And now having done so, let me point out that the...
by House Blend
Wed Nov 23, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: From no state-tax to state-tax
Replies: 26
Views: 2320

Re: From no state-tax to state-tax

Another tip for those new to the peculiar world of NJ taxes: Unlike nearly all other states with income tax, capital losses can be deducted only against capital gains, and then only in the same year. No carry forwards, and no deductions against other income if losses exceed gains. It does put a cram...
by House Blend
Fri Nov 18, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account upgrade question
Replies: 4
Views: 941

Re: Vanguard account upgrade question

Would the accrued dividends for the 1/1- 1/15 period be separately distributed under the old mutual fund account (meaning a separate MF 1099) No first hand experience, but I believe that's what will happen. Related to this I recall a few BHs who were annoyed when Vanguard *reinvested* these dividen...
by House Blend
Thu Nov 17, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3179

Re: Strategy for TLH Munis in Taxable?

This is not how the wash sale rule works. You can sell shares which you bought at any time, but you will have a wash sale if you buy shares within 30 days before or after selling for a loss. Isn't the 10/31 reinvested dividend effectively a purchase of shares? Meaning that the first opportunity you...
by House Blend
Thu Nov 17, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income In Roth IRA
Replies: 18
Views: 1632

Re: Fixed Income In Roth IRA

To a first approximation, prioritizing stocks-in-Roth without controlling for after-tax values is just another way to take more risk in exchange for a higher expected return. Not that there's anything wrong with that, but it is not a free lunch, and there are alternative ways to get the same lunch ...
by House Blend
Wed Nov 16, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: If you started from scratch, TODAY?
Replies: 31
Views: 4027

Re: If you started from scratch, TODAY?

I wouldn't change my AA targets, but I might adjust the asset *locations*.

It would be nice to put all of my international stocks in tax-advantaged and say goodbye to Form 1116. Can't do that now without realizing significant capital gains.
by House Blend
Wed Nov 16, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income In Roth IRA
Replies: 18
Views: 1632

Re: Fixed Income In Roth IRA

I disagree with the frequently expressed preference to not put fixed income in a Roth IRA. 1. A Boglehead should not let relative account sizes dictate AA. 2. To a first approximation, prioritizing stocks-in-Roth without controlling for after-tax values is just another way to take more risk in excha...
by House Blend
Wed Nov 16, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Tax bomb at 70 1/2
Replies: 71
Views: 9151

Re: Tax bomb at 70 1/2

Postponing SS til 70 and RMDs at 70 1/2. Is there any strategies to lessen the tax pain coming? Start taking your RMD earlier to average it out over more years. Interesting idea, I hadn't thought of that... :oops: This is bad advice. If it makes sense to take money out of your tax-deferred IRA that...
by House Blend
Tue Nov 15, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Retirement Account
Replies: 20
Views: 2212

Re: TIAA Retirement Account

OK. Looks like a good plan. Factoring in the flexibility/potential to go outside the US definitely makes sense. That said, given your expenses vs. income, you are going to be acccumulating large amounts of cash for the next few years, whether you contribute the extra $18K/yr to the retirement plan o...
by House Blend
Tue Nov 15, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund
Replies: 14
Views: 995

Re: Vanguard Managed Payout Fund

1. I wouldn't put my entire life savings into a single fund that can lose value and doesn't guarantee a 4% return, which applies to all of the other points below. 2. I wouldn't invest in a fund that has such a high international exposure of stock and bonds as compared to domestic stocks and bonds. ...
by House Blend
Tue Nov 15, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3179

Re: Strategy for TLH Munis in Taxable?

MUB is an intermediate muni ETF that can be used to make informed guesses about the closing price of VWIUX. I suppose CA bonds should correlate pretty well with VWIUX and MUB, but I have no experience with that.
by House Blend
Tue Nov 15, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund
Replies: 14
Views: 995

Re: Vanguard Managed Payout Fund

1. I wouldn't put my entire life savings into a single fund that can lose value and doesn't guarantee a 4% return, which applies to all of the other points below. 2. I wouldn't invest in a fund that has such a high international exposure of stock and bonds as compared to domestic stocks and bonds. ...
by House Blend
Mon Nov 14, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Retirement Account
Replies: 20
Views: 2212

Re: TIAA Retirement Account

Welcome to the forum. If you want to keep things simple, put 100% of your contributions into one of the Vanguard Target Retirement Funds. But do understand that those maintain a fairly high equity allocation until you are within a decade or so of the target date. (You did say you are "quite ris...
by House Blend
Mon Nov 14, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Investing Lump Sum Near Distribution Date
Replies: 2
Views: 314

Re: Investing Lump Sum Near Distribution Date

What would you consider or quantify to determine if you would invest immediately or wait until after the distribution? If the expected return from stocks is 8%/year and there are 250 trading days per year, then the expected cost for time out of the market is about 3 basis points per trading day. Fo...
by House Blend
Sun Nov 13, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 179899

Re: TV show recommendations?

Has anyone else stumbled across 30 degrees in February ? Available for streaming on Netflix. http://www.imdb.com/title/tt1677734/ It is essentially three separate dramatic narratives about Swedes in Thailand: an older couple on vacation, a single mom recuperating from a stroke and accompanied by her...
by House Blend
Sat Nov 12, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: IRA withdrawal Equal Roth Conversion for Zero Tax?
Replies: 10
Views: 776

Re: IRA withdrawal Equal Roth Conversion for Zero Tax?

Assume in both examples that the funds are used in the same tax year as they are withdrawn. In scenario 2, where are they getting the $15,000 that will be "used in the same tax year"? It doesn't make much sense to convert to Roth and then withdraw it. Maybe there's a sliver of sense in co...
by House Blend
Fri Nov 11, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 17
Views: 1936

Re: Preliminary capital gains estimates

Interesting to see that the VG Institutional Index has an upcoming estimated CG distribution of 0.28%. This is a 500 index fund with Institutional share classes only; it is NOT simply another share class of the 500 index for peasant investors (Investor, Admiral, ETF). So it doesn't share in the crea...
by House Blend
Thu Nov 10, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Wash Sales
Replies: 3
Views: 286

Re: Wash Sales

In a related follow-up question, I also had a wash sale situation in 2015. In that case, the total number of dividend shares reinvested was large than the number of shares effected by the wash sale. I knew that the reinvested dividend shares that offset the wash sale would (with the wash sale) auto...
by House Blend
Thu Nov 10, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wash Sales
Replies: 3
Views: 286

Re: Wash Sales

I sold a number of specific shares in early 2016, all for a loss. However, due to dividends received in late 2015, a subset of them are a wash sale. This only makes sense to me if you *reinvested* the dividends, and didn't sell the shares that you purchased with those dividends. If you didn't reinv...
by House Blend
Mon Nov 07, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency: Bonds or Equities in Roth... not as trivial in low tax bracket and have taxable account?
Replies: 11
Views: 1118

Re: Tax Efficiency: Bonds or Equities in Roth... not as trivial in low tax bracket and have taxable account?

What is a "fairly low tax bracket"? If in the 15% bracket or lower, then stock index funds are incredibly efficient in taxable. A US index fund with 100% qualified dividends will be (Federal) tax free, and a fund like VG Total International will have a net negative (Federal) tax cost. So u...
by House Blend
Mon Nov 07, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: A silver lining in unemployment: Reset cost basis to save on future capital gains?
Replies: 8
Views: 1370

Re: A silver lining in unemployment: Reset cost basis to save on future capital gains?

So now my first-order tax plan/projection for 2016 might look like: $10,000 W-2 Box 1 $16,000 Roth conversion of rollover IRA $1,400 Div/Int -$10,350 Standard Deduction + Personal Exemption ---------- $17,050 AGI This leaves $20,600 of room before topping out the 15% bracket and incurring any capit...
by House Blend
Mon Nov 07, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: this is wash sale or not?
Replies: 4
Views: 358

Re: this is wash sale or not?

wash sale rule is only for losses correct? (even if it was less than 30 day when i had bought this stock) Yes. If you sell X today at a gain, it cannot be a wash sale. I recently bought a certain ordinary stock with my regular trading a while ago and less than 30 days before that date, i had also b...
by House Blend
Fri Nov 04, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5488

Re: Why do people use banks?

I'm with the crowd that says there's no reason to expect any one institution, be it a bank or CU, to be the best, or even acceptable, in all phases of the game. I've had accounts of both types, still do, and see no reason to stop. That said, for the past 30 years, I have always used a credit union a...
by House Blend
Fri Nov 04, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 48
Views: 5290

Re: Vanguard's Website - Bad, or just me?

One example (for IRAs) is that it doesn't show anywhere that I can find what portion of my contribution limit is still available. This is probably the most basic, yet important, piece of info an IRA customer needs, but Vanguard buries it for some reason. I can agree that it could be handy if IRA co...
by House Blend
Fri Nov 04, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Continuous TLH Strategy
Replies: 18
Views: 1290

Re: Continuous TLH Strategy

I'm struggling to guess what you mean by "continuous" TLH. If what you mean is that one should harvest losses whenever they are available and large enough to be worth taking, then I'm down with that. On second reading, perhaps your "continuous" refers to maintaining your AA (as o...
by House Blend
Wed Nov 02, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Income and 401k Contributions
Replies: 1
Views: 237

Re: Dividend Income and 401k Contributions

is this a sound strategy? No. This only makes sense if you have a sizeable taxable account and can't afford to max out your 401(k) without a source of supplementary income. If that is the case, it is far more tax efficient to have a broad market index fund such as Total Stock Market in taxable. The...

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