Search found 3188 matches

by House Blend
Tue Feb 09, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or TIAA-Cref for retirement account
Replies: 3
Views: 260

Re: Fidelity or TIAA-Cref for retirement account

Both T-C and Fidelity 403(b)'s have low-cost index funds ( TIAA-CREF has R3 index funds and has TIAA-tradtional and TIAA Real Estate; Fidelity has Spartan funds ). Careful here. To be precise, there are no "R3 index funds" (other than CREF Equity Index). Only the CREF variable annuities c...
by House Blend
Tue Feb 09, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: High school curriculum: Is filling out tax forms part of it?
Replies: 49
Views: 1160

Re: High school curriculum: Is filling out tax forms part of it?

I've seen bad things reported about financial literacy courses (they hurt and not help), so I was thinking more in terms of a narrow unit on a Form 1040 in terms of citizenship and civic duty. The Form 1040 is far too arcane. Ninety percent of the lines on that form have no bearing on the immediate...
by House Blend
Mon Feb 08, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Just down lots or all? Does it matter?
Replies: 14
Views: 1003

Re: TLH: Just down lots or all? Does it matter?

#1. In general, best practice for TLH is to sell only lots that have losses. Once you have large quantities of banked losses, then it is up to your discretion how to "spend" those losses. The two best uses are to deduct $3,000/year against ordinary income, and to postpone the need to pay c...
by House Blend
Sun Feb 07, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: Another corner case for TLH: foreign tax credit
Replies: 5
Views: 412

Re: Another corner case for TLH: foreign tax credit

wagnerjb, You may be right. I too would be curious if anyone can shed light on the situation. FWIW, I took a look at Pub. 550 to see how it describes the 61 day holding rule required to maintain qualified dividend status. The language is pretty similar, and yet my impression is that it is considered...
by House Blend
Sun Feb 07, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: Another corner case for TLH: foreign tax credit
Replies: 5
Views: 412

Re: Another corner case for TLH: foreign tax credit

The primary reason (which actually swamps this one) are qualified dividends. You have to hold (regardless of US or international), dividends for >60 days to be considered qualified (for lowered tax treatment). Yes there are cases where the dividend is non-qualified to begin with but even total inte...
by House Blend
Sun Feb 07, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Hold International Funds in Roth IRA or Taxable Account?
Replies: 12
Views: 797

Re: Hold International Funds in Roth IRA or Taxable Account?

The taxes would be in the highest bracket. I was also told that a tax credit rather than a deduction is usually taken. You need to crunch the numbers for your situation. Without crunching the numbers, you are presumably also in the highest bracket for your state. AFAIK, states do not offer foreign ...
by House Blend
Sun Feb 07, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Another corner case for TLH: foreign tax credit
Replies: 5
Views: 412

Another corner case for TLH: foreign tax credit

I was reviewing the instructions for Form 1116, and noticed something that I haven't seen mentioned here before on Bogleheads. It could in some cases affect those who TLH (tax loss harvest) foreign stock funds. In short, if you sell shares of a fund and (a) those shares produced a dividend, (b) fore...
by House Blend
Sun Feb 07, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1436
Views: 274471

Re: What Movie Have You Recently Watched?

Testament of Youth (2015). Saw it at home on disc via netflix. Based on a memoir by Vera Brittain, it follows a smart young girl (Alicia Vikander) determined to get into Oxford and become a writer. She arrives, but the onset of WWI makes life complicated. Highly recommended. Unclear to me how this ...
by House Blend
Fri Feb 05, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Buying bond fund outside of IRA, taxes
Replies: 7
Views: 619

Re: Buying bond fund outside of IRA, taxes

I'm in the 15% bracket for 2015, I only worked for 4 months last year. Not enough information. This does suggest that your 2015 tax situation will not resemble 2016 and beyond unless you are in the habit of working only 4 months per year. If you will be in the 28% in 2016 and beyond, that's highly ...
by House Blend
Thu Feb 04, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone know what happened to "My Watch List" at Vanguard?
Replies: 6
Views: 396

Re: Anyone know what happened to "My Watch List" at Vanguard?

FWIW, here's a version of the VG Watch List that doesn't require logging in.
It uses a cookie to remember your preferred list of tickers.

https://personal.vanguard.com/us/funds/tools/watchlist
by House Blend
Wed Feb 03, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate equities in TIAA-CREF 403(b)?
Replies: 19
Views: 1049

Re: How to allocate equities in TIAA-CREF 403(b)?

4th doc, You're new to this forum, so let me offer a view of how Bogleheads look at equity fund selection. The three main criteria we use here are 1. What asset classes does it cover, and do I want those in my portfolio? 2. What's the expense ratio? 3. Is it passively managed? Conspicuously absent f...
by House Blend
Wed Feb 03, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do Tax Return or not for college graduate ?
Replies: 18
Views: 1232

Re: Do Tax Return or not for college graduate ?

If she still has her final pay stub for 2015, it is likely that she doesn't need her W-2 to e-file. Perhaps with Dad's assistance. (It does requires a certain amount of experience to know which number on it is going to be in Box 1 on the W-2. The only other numbers she needs are Fed and State tax wi...
by House Blend
Tue Feb 02, 2016 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate equities in TIAA-CREF 403(b)?
Replies: 19
Views: 1049

Re: How to allocate equities in TIAA-CREF 403(b)?

If this account contains all of your investments, and these are your only choices, then you should use 100% CREF Stock. It's a no-brainer. It already contains everything that's in the other three (and some stuff the others don't have like Emerging markets). The other three will accomplish nothing ex...
by House Blend
Tue Feb 02, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: Wrong cost basis method used by Vanguard
Replies: 38
Views: 3794

Re: Wrong cost basis method used by Vanguard

The problem may be limited to Spec ID, exchanges (not sales to cash), losses (not sure here) and trades occurring since January 1, 2016. And maybe it's just on the brokerage side. Can anyone confirm or refute? I believe this issue has come up prior to Jan. 1 (e.g., see the first response in this th...
by House Blend
Mon Feb 01, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Changeing auto-reinvest Dividends Q?
Replies: 15
Views: 952

Re: Changeing auto-reinvest Dividends Q?

In looking to my Vanguard account, just started there last month, I see that in order to prevent automatic reinvesting dividends from a few equities I owned and transferred over to Vanguard, that I am given some choices: 1. Transfer to bank account 2. Send me a check 3. Transfer to settlement accou...
by House Blend
Fri Jan 29, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you listen to or watch Financial entertainment?
Replies: 16
Views: 587

Re: Do you listen to or watch Financial entertainment?

I admit, a guilty pleasure of mine is listening to the CNBC and FOX business broadcasts on Sirius/XM radio on my drive home after work. Especially the Closing Bell stuff at 4 pm. That's not my kind of entertainment. If I'm driving during the 6:30pm - 7:00pm M-F time slot, I'll often have Marketplac...
by House Blend
Fri Jan 29, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA conversion tax question
Replies: 4
Views: 300

Re: Roth IRA conversion tax question

If you

* have no other trad IRA accounts, and

* figure out how to fill out Form 8606 correctly,

then you are only taxed on the earnings.
by House Blend
Thu Jan 28, 2016 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: at TIAA-CREF or at Vanguard?
Replies: 12
Views: 687

Re: Roth conversion: at TIAA-CREF or at Vanguard?

I see now that while I could hold the 4 Vanguard funds in question in a TIRA/Roth at either TC or Vanguard... Actually, I don't think you can. You can continue to hold them in your 403(b) at T-C, but you can't get them in a T-C IRA. . . . [I]f you are willing to set up brokerage access in your T-C ...
by House Blend
Thu Jan 28, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: at TIAA-CREF or at Vanguard?
Replies: 12
Views: 687

Re: Roth conversion: at TIAA-CREF or at Vanguard?

I see now that while I could hold the 4 Vanguard funds in question in a TIRA/Roth at either TC or Vanguard... Actually, I don't think you can. You can continue to hold them in your 403(b) at T-C, but you can't get them in a T-C IRA. The point is that what is available in your 403(b) depends on nego...
by House Blend
Thu Jan 28, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: All in one funds in Taxable Acct?
Replies: 15
Views: 1141

Re: All in one funds in Taxable Acct?

Would it be a big deal to use these funds in taxable if one is in a low tax bracket? Would you freak out if your bond holdings came with an ER of 0.42% instead of 0.07%? That's the effect of holding Total Bond Market in taxable (SEC yield of 2.35%) if you are in the 15% Federal bracket and pay no s...
by House Blend
Thu Jan 28, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: at TIAA-CREF or at Vanguard?
Replies: 12
Views: 687

Re: Roth conversion: at TIAA-CREF or at Vanguard?

A +1 to dodecahedron. You want a trad IRA and a Roth IRA at an institution that (a) allows on-line Roth conversions: no paperwork, no human assistance. (b) offers low cost funds. Until T-C updates its procedures, they flunk (a), and don't score all that well under (b). In an IRA they offer: Traditio...
by House Blend
Wed Jan 27, 2016 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Rule
Replies: 14
Views: 407

Re: Wash Rule

If they are the same regardless of 401k or 457b, or IRA how does the IRS know I bought anything similar? The only reporting done for those accounts is my W2 right? Is it up to me to tell them or flag them when putting things into Turbotax? Yes. Brokers are obligated to report (to you and the IRS) w...
by House Blend
Wed Jan 27, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Change bond fund in IRA/401k to minimize tax-loss harvesting issues?
Replies: 7
Views: 316

Re: Change bond fund in IRA/401k to minimize tax-loss harvesting issues?

Right. Moving to another bond fund in tax-advantaged is fine (and yes, no danger of new wash complications), as is directing divs to a different fund. Bear in mind that if the account is an "upgraded" Vanguard brokerage account, that "different fund" has to be your MM sweep accou...
by House Blend
Tue Jan 26, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale? Timing VTI vs. VTSAX
Replies: 4
Views: 263

Re: Wash sale? Timing VTI vs. VTSAX

Why would the VTI shares acquire the loss from the VTSAX shares, though? VTI was bought more than 30 days before VTSAX was sold (12/21 vs. 01/26). Sorry, my mistake. Didn't look closely enough at the dates. You're right, no wash sale, except in the third case where Vanguard marks a wash sale that h...
by House Blend
Tue Jan 26, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale? Timing VTI vs. VTSAX
Replies: 4
Views: 263

Re: Wash sale? Timing VTI vs. VTSAX

- 12/18/2015: bought 10 shares VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) - 12/21/2015: bought 10 shares VTI (Vanguard Total Stock Market ETF) - 01/05/2016: bought 10 shares VTSAX - 01/26/2016: sold all 20 shares VTSAX at a loss - 01/27/2016: sold 10 shares VTI from 12/21 at a lo...
by House Blend
Sat Jan 23, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with TIAA Retirement Accounts
Replies: 13
Views: 700

Re: What to do with TIAA Retirement Accounts

I am looking for help on how to determine the withdrawal method for my wife’s and my TIAA RAs. I understand our choices are between a 10 year TPA (Transfer Payout Annuity) or some flavor of a level lifetime annuity (single/joint, 0/10/20 year guarantee, etc.). You left out a third option: do nothin...
by House Blend
Fri Jan 22, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum Loss for Tax Loss Harvesting
Replies: 4
Views: 426

Re: Minimum Loss for Tax Loss Harvesting

I think it should depend on whether you already have substantial carryover losses. If you have none, and have never tried to TLH, I think a $10 loss would be enough to make it worthwhile. The experience of seeing how it works and gets reported on tax forms is valuable. And if you don't have $3000 ac...
by House Blend
Thu Jan 21, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Worth changing Vanguard mutual-fund-only IRA?
Replies: 4
Views: 333

Re: Worth changing Vanguard mutual-fund-only IRA?

^My understanding is that directing dividends from Fund A to Fund B is not available in upgraded accounts, unless Fund B is the designated sweep account.
by House Blend
Thu Jan 21, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: TLH checklist
Replies: 7
Views: 555

Re: TLH checklist

I presented these numbers elsewhere and I was told this will exceed the tax deduction for next year; however, I can carry over the balance to the following year. If that's the case, how does that get tracked on tax documents? Read the instructions for Schedule D. When you file your 2017 tax return,...
by House Blend
Thu Jan 21, 2016 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Confused About Vanguard Div/CG Elections
Replies: 3
Views: 335

Re: Confused About Vanguard Div/CG Elections

What they are saying is that with VG mutual funds, you have four choices:
bank transfer, check, sweep, or re-invest.

For everything else, you only have two: sweep, or re-invest.
by House Blend
Thu Jan 21, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement / financial planning with heavy TIAA-CREF
Replies: 27
Views: 2108

Re: Retirement / financial planning with heavy TIAA-CREF

There's a lot going on in your post; no way I can give a comprehensive response. Instead here are some thoughts: 0. I think your percentages add up to significantly more than 100%. 1. You've got way too many funds that overlap and add no real benefit. There's no point in having 0.4% of X and 0.7% of...
by House Blend
Wed Jan 20, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie TLH Question
Replies: 7
Views: 456

Re: Rookie TLH Question

Well, I was afraid of this... It seems there might be complications: Vanguard incorrectly flagged wash sale - what to do? Either you haven't read and understood that thread in its entirety, or you scare easily. Once you understand that wash sales are not illegal, then the next level of understandin...
by House Blend
Tue Jan 19, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Re: Tax loss harvesting & dividend reinvest in Roth IRA

It goes roughly like this: Say your Roth IRA bought 123.456 shares of VEIEX on 9/25 when it reinvested dividends. If your sale in taxable was the *same* fund, then you would simply identify the loss triggered by the oldest 123.456 shares that you sold at a loss. That is your disallowed loss. Here, ...
by House Blend
Tue Jan 19, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How accurate is vanguard's calculation of my investment returns?
Replies: 7
Views: 1078

Re: How accurate is vanguard's calculation of my investment returns?

The vast majority of my returns are apparently from dividends. I take it that you are spending the dividends? This certainly can have a negative effect on your account balance, but it should have only a mild effect on what Vanguard calls your "Personal Rate of Return", and that effect can...
by House Blend
Tue Jan 19, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Clarification
Replies: 4
Views: 324

Re: TLH Clarification

I was hoping to sanity check my understanding and current approach in case I am missing something. Some things you might be missing.... 1. I am not sure where you are getting February from. Your last purchase of VFWAX was on 12/18. If you sold any shares of VFWAX today, at a loss, you would not hav...
by House Blend
Tue Jan 19, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting & dividend reinvest in Roth IRA
Replies: 6
Views: 709

Re: Tax loss harvesting & dividend reinvest in Roth IRA

It goes roughly like this: Say your Roth IRA bought 123.456 shares of VEIEX on 9/25 when it reinvested dividends. If your sale in taxable was the *same* fund, then you would simply identify the loss triggered by the oldest 123.456 shares that you sold at a loss. That is your disallowed loss. Here, t...
by House Blend
Tue Jan 19, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Rollovers and Roth IRA Annuities
Replies: 6
Views: 394

Re: Rollovers and Roth IRA Annuities

TIAA-CREF will do this--annuitize a (Roth or trad) IRA using their variable and Traditional annuities, if you meet their eligibility requirements for an "Investment Solutions IRA". For example, if any family member has worked for 3 years in Higher Ed or the nonprofit sector or government, ...
by House Blend
Mon Jan 18, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93660

Re: Boglehead Beer

Did something today I suspect many Boglehead's would not ... bought two (2) 12oz bottles of Westvleteren 12 for $26 :happy Worth it to me! I'm willing to try any world-class beer at least once... ...but if I'm buying, I might not want to repeat the experience. ;-) I do think I mentioned earlier in ...
by House Blend
Fri Jan 15, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing Dividends
Replies: 3
Views: 529

Re: Withdrawing Dividends

Not sure if I am interpreting you correctly but it sounds like: 1. Everything is tax-advantaged. 2. Your idea is to direct dividends from your bonds to Prime MM, and use those dividends to buy more equities, because you are below target in equities. That sounds ok to me, but my preference would be t...
by House Blend
Wed Jan 13, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Are there diminishing returns to tax loss harvesting?
Replies: 23
Views: 1828

Re: Are there diminishing returns to tax loss harvesting?

Say I have a 50 year life expectancy, $150K in carryover losses, and $20K of current losses that could be harvested. Is there any point to harvesting that $20K of losses? Seems to me that there is no utility in harvesting after a certain point, namely when carryover / life expectancy > 3000. Only i...
by House Blend
Tue Jan 12, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1430

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

ST losses are never worse than LT losses, but they are only better if you realize ST gains. If you're a pretty passive investor you may never realize ST gains so it's not worth a lot of effort to harvest ST gains losses v. LT gains losses. Yes. I have been reading this thread with amusement, becaus...
by House Blend
Mon Jan 11, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1430

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

1. Capital gains can be realized by you when you sell shares, but they can also be passed on to you when the fund itself has to sell shares internally. The latter are called capital gain distributions . If all you hold in taxable are Vanguard stock index funds, you might never see a capital gain dis...
by House Blend
Mon Jan 11, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover to Open Backdoor Roth IRA
Replies: 5
Views: 361

Re: Rollover to Open Backdoor Roth IRA

I don't know why VG is being un-cooperative.

A work-around: transfer the Vanguard IRA to a Fidelity IRA. Custodian to Custodian. No reason for Vanguard not to do this. Then have Fidelity do the rollover.

Also, ask Fidelity to do the transfer. They'll be the ones motivated to deal with Vanguard.
by House Blend
Mon Jan 11, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to complete back door roth via online Vanguard?
Replies: 8
Views: 542

Re: Possible to complete back door roth via online Vanguard?

1. Open IRA account if you don't have one. 2. Fund the IRA. 3. Open the Roth account if you don't have one. 4. Buy what you want in the Roth using the funds in the IRA. As has been noted elsewhere on this forum, this algorithm does not always work. It will fail if: the Roth IRA is a new or upgraded...
by House Blend
Mon Jan 11, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question on timing TLH with moving assets from taxable to tax-deferred
Replies: 1
Views: 195

Re: Question on timing TLH with moving assets from taxable to tax-deferred

I see no reason not to take advantage of TLH opportunities as they arise. The more losses you can bank, the more flexibility you have in terms of the costs of selling in the future. If you never TLH, then you are at the mercy of the distribution of gains in the particular tax lots you own at the mom...
by House Blend
Mon Jan 11, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes before I have all of my forms( 1099, 5498 )?
Replies: 13
Views: 1449

Re: File taxes before I have all of my forms( 1099, 5498 )?

And a note to everyone who "upgraded" their taxable Vanguard account last year. Expect two sets of 1099s, one for your old mutual fund account that no longer exists, and another set for your new brokerage account. I seem to recall a year ago, several gun-jumpers who upgraded in 2014 were s...
by House Blend
Sat Jan 09, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Invest all in January or spread throughout the year?
Replies: 24
Views: 2356

Re: Roth IRA - Invest all in January or spread throughout the year?

We try to lump sum it all on the very first trading day of the year. There are a couple of reasons for this. It eliminates any iota of a desire to try to "time" the money, i.e. wait for a down day to invest which may not come for a while. In other words, it makes the decision to invest &q...
by House Blend
Thu Jan 07, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Getting around minimums in Vanguard
Replies: 11
Views: 1160

Re: Getting around minimums in Vanguard

On buying throughout the year: - the 401K is easy, because the funds get purchased with each paycheck - for the IRA and the taxable brokerage accounts, isn't the preferred approach to split up the purchasing throughout the year, to reduce the stochasticity of buying in one fell swoop? This is the a...
by House Blend
Thu Jan 07, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: VBTIX distributions
Replies: 5
Views: 498

Re: VBTIX distributions

It seems to me they scale the dividend amount according to how long you've owned the fund (of the period the dividend covers), instead of the usual scheme where you get the whole dividend if you own shares the day the dividend is paid (or the ex-dividend date, whatever). IOW, like CDs usually work....
by House Blend
Tue Jan 05, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate all funds in old 401k to TIAA Traditional?
Replies: 5
Views: 326

Re: Reallocate all funds in old 401k to TIAA Traditional?

1) If I buy into TIAA Traditional now, is there any difference between that money and the money I have already put into the account years ago? 2) What are the main advantages/disadvantages of TIAA Traditional? and finally, 3) Should I sell the rest of my old 401k funds and put it all into TIAA Trad...

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