Search found 3629 matches

by House Blend
Fri Jan 20, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Another year where Vanguard Total Stock dividends aren't 100% qualified?
Replies: 19
Views: 3436

Re: Another year where Vanguard Total Stock dividends aren't 100% qualified?

Now I just need the foreign tax info and the I shares numbers to be released and its spreadsheet time! It's already out, and the spreadsheet has already been built for you. I'm not sure when Vanguard started doing this (last year?), but they've been putting out an annual spreadsheet that has all of...
by House Blend
Fri Jan 20, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 24
Views: 1181

Re: Tax forms for newly opened brokerage account

Is it even possible to know the dividends for international funds before the tax forms come out? You can see the dividends paid to you, but the reported amount will be higher on the 1099-DIV which then has the foreign taxes paid line that accounts for the difference. AFAIK, no way to know the numbe...
by House Blend
Fri Jan 20, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard screwed up IRA types...twice
Replies: 23
Views: 1773

Re: Vanguard screwed up IRA types...twice

After thinking it over, I started to think this really wasn't a huge deal. I advised that he get his paperwork together, including the forms he originally filled out with Vanguard for each rollover, the tax forms he's received since, and his tax returns for these years. Double check to verify that ...
by House Blend
Fri Jan 20, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2381

Re: Very confused with W4 Allowances

Just want to make sure that this information isn't over looked. BTW, it is no sin to give the government an interest free loan nowadays, because interest rates are so low. Besides, you would just invest it and lose money anyways. I am happy to get a refund because I get 10% interest paid on my refu...
by House Blend
Fri Jan 20, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes it can be done. (Vanguard article)
Replies: 4
Views: 1272

Re: Beat the market long-term? Yes it can be done. (Vanguard article)

Seems a little strange to me to see Vanguard talking about how great active funds can be. Shrug. The VG website regularly posts articles in which they pat themselves on the back for how swell their active management is compared to everyone else's. And I would be surprised only if they didn't do thi...
by House Blend
Thu Jan 19, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Help-Don't understand my mom's TIAA RMD
Replies: 9
Views: 862

Re: Help-Don't understand my mom's TIAA RMD

I am perfectly happy to engage in rampant speculation. If the account was rolled over to an *Inherited IRA*, then the sorts of numbers you are seeing are consistent with that. I am not saying that this is what happened --there are no doubt many ways that ownership of the account could have been pass...
by House Blend
Wed Jan 18, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: When to annuitize?
Replies: 35
Views: 3410

Re: When to annuitize?

Wizard, 1. The decline in interest rates has not been steady. 2. My impression, which could be wrong, is that the *payout* rates, not the accumulation rates, have always been higher for the oldest vintages. Similar to the phenomenon that 30 year bonds "always" pay more than 10 year bonds (...
by House Blend
Wed Jan 18, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 619

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

However, I have been considering reducing my long-term exposure in a raising rate environment for a bit now. That's the main relevant question IMO. If the Intermediate fund makes more sense for you, then the sale is a no-brainer. If you plan to regret being stuck with VWIUX for the long term, then ...
by House Blend
Wed Jan 18, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: When to annuitize?
Replies: 35
Views: 3410

Re: When to annuitize?

Secondly, the OP is in TIAA, so the SPIA annuitizations would be done with TIAA Traditional. Selling other TIAA investments and buying Trad right at the start of annuitization doesn't typically give one the best payout rate. Best if you have Trad from twenty years ago, older vintages. But that may ...
by House Blend
Wed Jan 18, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: When to annuitize?
Replies: 35
Views: 3410

Re: When to annuitize?

Leaving Trad money unannuitized past 70 seemed ill advised because RMDs would be draining that bucket. In my squinting at the numbers TIAA gives me, annuitizing prior to 70 seems actuarially fair, so it's hard to make a case one way or another. My sense was to annuitize before 70 if needed to avoid...
by House Blend
Wed Jan 18, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Staging next year's Roth in Taxable
Replies: 4
Views: 583

Re: Staging next year's Roth in Taxable

My dumb plan keeps us from just loading up her 403b instead? It appears that maxing out two Roths + your 457(b) + her 403(b) is more than you plan to save per year, but if you leave out her 403(b), then the amount is less. If that's the case, then it seems to me you have no need to engage in short ...
by House Blend
Wed Jan 18, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: An index isn't an index isn't an index...
Replies: 23
Views: 2396

Re: An index isn't an index isn't an index...

FWIW, there are some good pages in the wiki that contain far more historical and current comparative information about indexes. Unfortunately they seem well-hidden. Here's the one with history for total US market indexes: https://www.bogleheads.org/wiki/US_total_market_index_returns I'm too lazy to ...
by House Blend
Tue Jan 17, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing a Roth Conversion
Replies: 4
Views: 249

Re: Recharacterizing a Roth Conversion

File the extension. My one experience the other way wasted a lot of my time. I had already filed my return when I realized afterwards that it would be advantageous to recharacterize. So I did the rechar, easy peasy. Then followed the instructions for Form 8606 and filed an amended return. The IRS p...
by House Blend
Tue Jan 17, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing a Roth Conversion
Replies: 4
Views: 249

Re: Recharacterizing a Roth Conversion

File the extension. My one experience the other way wasted a lot of my time. I had already filed my return when I realized afterwards that it would be advantageous to recharacterize. So I did the rechar, easy peasy. Then followed the instructions for Form 8606 and filed an amended return. The IRS pr...
by House Blend
Tue Jan 17, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on dividend reinvestment and tax-loss harvesting
Replies: 11
Views: 758

Re: Advice on dividend reinvestment and tax-loss harvesting

Yes, you can direct dividends to the settlement funds. But I don't see much point in doing so inside an IRA except in the case where the fund involved is also held in your taxable account. In that case, dividend reinvestments in the IRA could participate in a wash sale if you sell that fund in taxab...
by House Blend
Tue Jan 17, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Advice on dividend reinvestment and tax-loss harvesting
Replies: 11
Views: 758

Re: Advice on dividend reinvestment and tax-loss harvesting

I did want to make sure I understood how to properly handle manual reinvestment of dividends. Is it simple enough, for example, to just open a MM account with Vanguard or Ally (where I have my savings/emergency fund), direct the dividends there, and then purchase funds in the account with those fun...
by House Blend
Mon Jan 16, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2381

Re: Very confused with W4 Allowances

For Bogleheads who want to be able to predict in advance how your allowances translate into tax withheld, everything you need to know is on pages 44 and 45 of Publication 15. (The rule described there is not the only IRS-approved method for employers to withhold taxes, but it is by far the most comm...
by House Blend
Mon Jan 16, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Friend is accidentally in Roth phase-out
Replies: 11
Views: 1517

Re: Friend is accidentally in Roth phase-out

At Vanguard, you have to download, print and mail in the recharacterization form. Note that you specify the original amount that was contributed. Vanguard will calculate the exact value (with earnings/losses) that the contribution is worth at recharacterization time and remove that much. He won't b...
by House Blend
Sun Jan 15, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of converting most TIRA to Roth
Replies: 14
Views: 1502

Re: wisdom of converting most TIRA to Roth

You wouldn't want to Roth convert all tax-deferred dollars if you plan to make charitable donations during your RMD years. In many cases, QCDs are superior to donating apprecated shares. Why ? You're implying one can donate from TIRA, not pay tax on the distribution, and still take the charitable d...
by House Blend
Sun Jan 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5022

Re: Flagship Reps

For those who use the appointment method currently to access dedicated reps: you will likely lose that privilege once you no longer have one specifically assigned to you. Of course the new system does not apply to Flagship Select customers. FWIW, the email I received about this last week said If at...
by House Blend
Sun Jan 15, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5022

Re: Flafship Reps

...In the past there were real benefits... For example, talking to a CFP on topics but that has already been cut... I've found this board more knowledgeable and astute than any Vanguard CFP. What have you gotten from their CFPs that you couldn't get here? I haven't used the CFP service. However,......
by House Blend
Sun Jan 15, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: wisdom of converting most TIRA to Roth
Replies: 14
Views: 1502

Re: wisdom of converting most TIRA to Roth

RS, The title of your post is misleading IMO. What matters is tax-deferred, not whether the dollars are in a TIRA vs. some other tax-deferred retirement account. General observations that may not apply to you: You wouldn't want to Roth convert all tax-deferred dollars if you plan to make charitable ...
by House Blend
Sun Jan 15, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: backdoor ROTH IRA complications.
Replies: 2
Views: 309

Re: backdoor ROTH IRA complications.

However, vanguard website says I have to wait till 2018 to do so since I already re-characterized the roth ira to traditional ira once. If I do in Vanguard brokerage service they didn't complain about it (at least on the first page) I think you are mixing up two kinds of recharacterizations: 1. If ...
by House Blend
Fri Jan 13, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: What to do when an IRA is no longer tax-deferred? (RMDs!)
Replies: 18
Views: 1968

Re: What to do when an IRA is no longer tax-deferred? (RMDs!)

MNR, Let me take a stab at this from another direction. Sounds to me like the "problem" you have is that (a) you don't "need" the RMDs for income (or you only need a small portion thereof), and (b) for the first time in your life, you need to start investing in a taxable account....
by House Blend
Thu Jan 12, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2101

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

It sounds like 2016 will be your first tax year with the upgraded brokerage, and that Vanguard mutual funds are involved. Be aware that you will receive two sets of 1099s from Vanguard, one covering the period before the upgrade, and a second set afterwards. And the brokerage ones will be done a mon...
by House Blend
Thu Jan 12, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Taxable Account
Replies: 8
Views: 792

Re: Help with Vanguard Taxable Account

My question to the forum: Should I be worrying about this, if my main goal is to buy and hold Vanguard Total Stock in a taxable account for the next 20+ years until I retire? Or should I be buying into the index in bigger chunks and re-routing the dividends into the money market? Short answer: you ...
by House Blend
Thu Jan 12, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: vanguard.com: Quarterly Reports vs Custom Reports
Replies: 5
Views: 601

Re: vanguard.com: Quarterly Reports vs Custom Reports

If you have irregular income, it can sometimes be advantageous to make irregular estimated tax payments (rather than 4 equal quarterly payments, which is always allowed, no matter how irregular your income might be). The anomaly PGR refers to is that the quarterly payments cover income received over...
by House Blend
Wed Jan 11, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Re-characerization questions
Replies: 2
Views: 237

Re: Re-characerization questions

Regarding #2: I don't think any flavor of 401(k) can do recharacterizations. Regarding #1 and #3, you need to be careful about tax years and contribution dates, because you could have made a "2015" IRA contribution anytime from 1/1/2015 to 4/15/2016. So if you made a Roth IRA contribution ...
by House Blend
Wed Jan 11, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting help
Replies: 5
Views: 438

Re: Tax Loss Harvesting help

When TLH opportunities arise, I would sell the appropriate lots and buy VTSAX and Vanguard Tot Intnl Index and 31 days later sell these funds to re-purchase the original funds . For some reason many newcomers to TLH seem tightly wedded to using only their favorite funds and insist that they will ho...
by House Blend
Tue Jan 10, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of TIAA traditional annuity?
Replies: 15
Views: 1027

Re: Should I get out of TIAA traditional annuity?

This appears to be favorable to the Total Bond Market Index with a 2.5% yield and 6 year duration. If I understand duration, if rates go up, I can still count on approximately 2.5% annualized return from that index over 6 years. No. The SEC yield of a bond fund is the best estimate of the return fr...
by House Blend
Tue Jan 10, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Does a spousal Backdoor Roth make sense in this situation?
Replies: 11
Views: 976

Re: Does a spousal Backdoor Roth make sense in this situation?

House Blend, the second approach you suggested sounds a little too complicated for me for the amount of potential tax savings. I will plan to re-characterize the whole amount. Is there a good resource or thread which details how to document this at tax-time? I will be re-characterizing the previous...
by House Blend
Mon Jan 09, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Does a spousal Backdoor Roth make sense in this situation?
Replies: 11
Views: 976

Re: Does a spousal Backdoor Roth make sense in this situation?

Sounds like paying taxes and converting her IRA to Roth is the consensus. Should I wait a few months for the next market crash so that the converting amount is as small as possible? Her account has total Bond and Total international stock in a 50:50 mix. If there is no crash by mid-year, I would co...
by House Blend
Mon Jan 09, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 2283

Re: How to know your risk tolerance, without ever living through a crash?

1. Don't appoint yourself as the investment guru for your friends. If someone asks you for your opinion, offer it, but otherwise keep your mouth shut. Especially if the gist of the conversation is bragging. 2. To answer the question in your title: you can't. Make a guess as to your risk tolerance (a...
by House Blend
Sun Jan 08, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Does a spousal Backdoor Roth make sense in this situation?
Replies: 11
Views: 976

Re: Does a spousal Backdoor Roth make sense in this situation?

Non-working spouse has a tax-deferred IRA worth ~20,000. No access to 401K for her. I am thinking of contributing the maximum allowed account to a tax-deferred IRA for her as well. I do not think converting this amount to a Roth IRA (avoid pro-rata) and doing a backdoor Roth for this year is a smar...
by House Blend
Sat Jan 07, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantage of Tax loss harvesting
Replies: 65
Views: 3433

Re: Disadvantage of Tax loss harvesting

Wait, if you have $150k in losses to claim and can only carry forward $3k losses per year don't you need 50 years to utilize all of that? Or is it that you can use those previous losses to whittle your yearly investment totals down to -$3k/year, ie: if you have $50k in gains next year you can use $...
by House Blend
Sat Jan 07, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2101

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

1) They are not included on the December 31, 2016 year end statement 2) On Vanguard.com they are listed on the Dividend and Capital Gains section as being taxable in 2017 Q1. I would be less concerned about #1, and more concerned about #2 (which I agree sounds like a mistake on Vanguard's part). We...
by House Blend
Sat Jan 07, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantage of Tax loss harvesting
Replies: 65
Views: 3433

Re: Disadvantage of Tax loss harvesting

The quoted advice in the OP is nonsense. Yes, you can end up with more carryover losses than you need, but you have to work at it to invent a scenario where (say) $150K in harvested losses leaves you worse off. First you have to use them up, say during a period when you have low or 0 cap gains tax r...
by House Blend
Fri Jan 06, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2101

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date income Reviewing my year end statement from Vanguard I noticed that several of the dividends for my Bond funds and Prime Money Market account were missing. It appears that there is...
by House Blend
Wed Jan 04, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in tIRA to reduce tax bracket?
Replies: 7
Views: 524

Re: Investing in tIRA to reduce tax bracket?

My 2017 base salary is $94200, and I'm expecting a bonus of 10% at the end of 2017. So this puts me in the 25% bracket. I will be maxing out my 401k and HSA, which comes up to be $24,600. This makes the taxable income $79,020. I will then max my IRA. Looks to me like you are forgetting about exempt...
by House Blend
Wed Jan 04, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends Question
Replies: 2
Views: 291

Re: Dividends Question

Welcome to the forum. It certainly makes no difference for tax purposes. [By "non-taxable IRA" I assume you mean a traditional IRA in which all of the money contained therein has not yet been exposed to income tax. Folks might get confused by your choice of terminology and think you are ta...
by House Blend
Wed Jan 04, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable and 401k fund overlap - how to avoid wash sale
Replies: 11
Views: 508

Re: Taxable and 401k fund overlap - how to avoid wash sale

I think a better plan of action is to not worry about it. I think a better plan of action for the OP is (a) don't put Total Bond Market in a taxable account If you really like bonds in taxable, use a muni fund. (b) if you are using Fund X in taxable, don't use it in any other account. For example y...
by House Blend
Wed Jan 04, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2107

Re: How do you treat 401k Match for IRR Purposes?

Yes, comparing investor XIRR with fund returns is apples vs. oranges. And most of the time, at least on this forum, it is done simply because that is the most expedient way to make a comparison. Elsewhere, folks with an agenda, such as a desire to "prove" that individual investors are idi...
by House Blend
Tue Jan 03, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10050

Re: Max It Out Tomorrow

I am not a fan of dumping in on the first day. What is the past probabilty that the lowest point of the year occurred in the first 4 trading days of the year? I imagine it would be higher than other days in the year. Is there data on this? I recently chewed through some S&P 500 historical data ...
by House Blend
Tue Jan 03, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5286

Re: Tax Loss Harvesting - Is it worth it?

Yes, it is worth to TLH (as long as the TLH is bigger than the tax account's added fee for the extra paper work). I find that if I take a loss, I rather move on to something else. I try mightily acquire and hold winners rather than losers. :oops: :annoyed :mrgreen: YMMV :beer you use TLH for rebala...
by House Blend
Tue Jan 03, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5286

Re: Tax Loss Harvesting - Is it worth it?

Can someone speak of TLH upon tax return season? How does this work? Is it a painful process or is just a figure in a textbox on our tax returns? You import your 1099-B into your tax software and you are done. What could be more simple?! Of course, you might want to read the instructions to the IRS...
by House Blend
Tue Jan 03, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10050

Re: Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by House Blend
Tue Jan 03, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2107

Re: How do you treat 401k Match for IRR Purposes?

Right, but let me emphasize again, as grabiner noted, that if you want to evaluate how your investments are doing vs a benchmark you do NOT want to use the XIRR figure. A positive result could be dumb luck and your actual portfolio return poor compared to proper strategy with the same cash flow. I ...
by House Blend
Mon Jan 02, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10050

Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by House Blend
Mon Jan 02, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Current Social Security Taxation Rules
Replies: 4
Views: 670

Re: Current Social Security Taxation Rules

Check that the $17,208 is the actual SS benefit, and not the "take home pay". Sometimes income tax or medicare payments are withheld from SS benefits. Also, note that with $16,396 of non-SS income, Single filing status, and the Standard Deduction, he'd be in the 10% Federal bracket. Oversh...

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