Search found 171 matches

by LMK5
Wed Aug 24, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by LMK5
Mon Aug 22, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

That is what I did but remember my small cap exposure was a decent size by itself but not a major percent of my allocation -- maybe 4% of my portfolio , so I could afford to carry a bit more risk. Also, I focus on the overall equity vs fixed income -- that is where the real risk/reward is. I don't ...
by LMK5
Mon Aug 22, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 954

Re: Company's 401k junk and Trad IRA languishes - I want to fix now!

Please see the wiki article "prioritizing investments". The priorities that often work best for many people are: 1) contribute enough to the 401ks to get the full employer match; 2) pay off any high interest debt; 3) contribute the maximum to IRAs for both spouses; 4) contribute the remai...
by LMK5
Sun Aug 21, 2016 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Interesting, I have a large small cap position in my taxable account with large cap gains. I decided not to reinvest any distributions but it is such a small percentage of my total equities that I have not decided to take cap gains to reduce or eliminate it. I am well into retirement but you may ha...
by LMK5
Sun Aug 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by LMK5
Sun Aug 21, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by LMK5
Sun Aug 21, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

May I ask what your age is, or better yet, how many years until retirement? 60% sounds like a heavy weighting if you're close, .... I don't see myself having less than about 58% in equities on the low end until I die. I do see myself having more in equities occassionally. I haven't worked in a coup...
by LMK5
Sun Aug 21, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I am in a similar position as the OP only with US large cap stocks. And none of the suggestions will help. I have no more carry forward losses; donations to our DAF, new money, and dividends reinvested elsewhere will not be nearly enough alone to rebalance; I already use spec ID. No adult kids yet,...
by LMK5
Sun Aug 21, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by LMK5
Sun Aug 21, 2016 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

May I ask what your age is, or better yet, how many years until retirement? 60% sounds like a heavy weighting if you're close, .... I don't see myself having less than about 58% in equities on the low end until I die. I do see myself having more in equities occassionally. I haven't worked in a coup...
by LMK5
Sun Aug 21, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I am in a similar position as the OP only with US large cap stocks. And none of the suggestions will help. I have no more carry forward losses; donations to our DAF, new money, and dividends reinvested elsewhere will not be nearly enough alone to rebalance; I already use spec ID. No adult kids yet,...
by LMK5
Sun Aug 21, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

If you believe that SC has a higher expected return than LC, you could keep a lower overall stock position by keeping a higher SC allocation. For example, you could sell the LC(and maybe even add more SC), thus having a new higher SC AA and go to 45/55 AA overall. True, but keeping the higher perce...
by LMK5
Sun Aug 21, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

3) Unfortunately I didn't have that foresight. I believe my method is average cost basis which I don't believe can be changed. If you haven't sold any shares, then you can change your cost basis method now. What's the rule? Never having sold any shares since opening the fund, or never having sold s...
by LMK5
Sat Aug 20, 2016 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

If you believe that SC has a higher expected return than LC, you could keep a lower overall stock position by keeping a higher SC allocation. For example, you could sell the LC(and maybe even add more SC), thus having a new higher SC AA and go to 45/55 AA overall. True, but keeping the higher perce...
by LMK5
Sat Aug 20, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

livesoft wrote:4. Can I give away shares to charity or my Donor-Advised Fund and avoid realizing capital gains?

5. Do I have kids that I can gives shares to and let them sell the shares? Would they pay 0% LTCG tax?


Sounds complicated. I smell attorney fees.
by LMK5
Sat Aug 20, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Also don't be so strict with the percentages. If you sold large cap then how much is your small cap and what is your target %? Sounds like you are only wanting to sell about $10k. The problem is last year I also needed to sell small cap but didn't want the tax hit so I sold mid cap instead. Now I h...
by LMK5
Sat Aug 20, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I wouldn't sell. Instead, I'd simply make any new contributions in the asset class you'd like to own. It will rebalance itself over time that way. The problem is that any contributions I can make at this point aren't large enough--relative to the net assets of the portfolio--to make an impact. I ge...
by LMK5
Sat Aug 20, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I personally would not take the tax hit. I would be asking myself a couple of questions: 1. Where did all my tax-loss harvested losses go to such that I even need to think about net realized gains at tax time? and 2. Can I wait until the September distributions when most equity funds will pay out d...
by LMK5
Sat Aug 20, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2220

Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I would like to reduce my equity percentage down to about 50% from 56% (I'm 55 years old). I have allocations I've maintained in the different classes of equities: Large Cap, Mid Cap, Small Cap, International, and Hard Assets (gold, energy, etc.), each with a specific percentage that in total equals...
by LMK5
Sun Nov 29, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 0
Views: 644

Can't Add Vanguard 529 Accounts to Yodlee?

I have 3 Vanguard 529 college savings plan accounts. I don't see a way to add them to "outside investments" using Yodlee. Does anyone know the trick? I previously had them listed when Cash Edge was the aggregator.
by LMK5
Fri Nov 27, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 3
Views: 859

Can't Add Vanguard 529 Accounts to Yodlee?

I have 3 Vanguard 529 college savings plan accounts. I don't see a way to add them to outside investments using Yodlee. Does anyone know the trick? I previously had them listed when Cash Edge was the aggregator.
by LMK5
Tue Jun 23, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

One thing not mentioned here is the buy-low-sell-high aspect of rebalancing--adding to sectors that have done relatively poorly and reducing those that have done better. Don't the expected gains from this principle nullify at least a portion of the tax liability that one might incur by rebalancing i...
by LMK5
Tue Jun 23, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

Here is what I have in my Investment Policy Statement, making a distinction between major asset classes (US stock, foreign stock, bonds, real estate) and subclasses (such as large-cap emerging markets). I will pay capital gains tax to rebalance in a taxable account only if a major asset class or su...
by LMK5
Tue Jun 23, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Re: Taxable Account Rebalance: Need Advice on Minimizing Damage

BL wrote:Are you using Specific Id for your basis? This allows you to pick the lots that have small gains when you sell.


No, unfortunately I'm using the average method. This is what gets reported from the fund companies.
by LMK5
Tue Jun 23, 2015 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Taxable Account Rebalance: Need Advice on Minimizing Damage

[Thread merged into here, see below. --admin LadyGeek] My current equity balance is at 60% and I want to bring it down to 50%. Within the equity allocation, I have specific allocations I've been maintaining for large cap, midcap, small cap, international, and natural resources equities. My major pr...
by LMK5
Tue Jun 23, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 5624

Re: Best Advice [Best single piece of advice to give a new investor]

1) Invest automatically and mechanically.
2) Max out your 401k from day 1.
3) Set a 50/50 asset allocation and just forget about it. Practice the incredibly successful strategy of benign neglect.
by LMK5
Tue Jun 23, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

Generally, I do not cause a tax liability when rebalancing. I will let my asset allocation among equities to drift a little bit before I will incur a tax liability. Do you have some tax-loss harvesting opportunities? For instance, in large-caps which you are not thinking of selling now? If you do w...
by LMK5
Tue Jun 23, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 646

Need Advice on Rebalancing Equity Subclasses in Taxable Account

My current equity balance is at 60% and I want to bring it down to 50%. Within the equity allocation, I have specific allocations I've been maintaining for large cap, midcap, small cap, international, and natural resources equities. My major problem is that my midcap and small cap allocations have t...
by LMK5
Fri May 15, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 10896

Re: Best Asset Allocation if you've "won the game"

When I retired 12 years ago at the age of 55, and determined that the main goal of my portfolio was capital conservation, I changed my allocation to: 30% Equities (a Global equity index fund plus small allocation of a Emerging Markets index fund) 55% Bonds (2 total return bond funds) 15% 5 year bon...
by LMK5
Fri May 15, 2015 2:39 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 10896

Re: Best Asset Allocation if you've "won the game"

How much in assets relative to what you'd need on a yearly basis? Do you care about how much you'd have left when you die? (to pass on) If you're just turtling in capital preservation mode, I would think something closer to 30/70 than 50/50 is appropriate. I could probably get by withdrawing 4% of ...
by LMK5
Fri May 15, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 10896

Re: Best Asset Allocation if you've "won the game"

Some actual numbers: for someone planning on $2M drawing $80k/year annually, if the market falls 50% and stays there, your choice is to keep 4% SWR and living on $40k/year or keeping on plan and hoping a few years of 8% draw downs don't deplete the account. Assuming the bond market is flat, only ha...
by LMK5
Fri May 15, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 10896

Best Asset Allocation if you've "won the game"

At 54, I feel like if I can keep my total assets about where they are, I could retire at 60. I am presently at 55/40/5 (stocks/bonds/cash). Is there an optimal asset allocation when you feel that you don't need to take much risk to get to the finish line? Also, my annual retirement contributions are...
by LMK5
Wed May 13, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

What else are you supposing the mutual fund is investing in other than the one 10-year over the period? Does it hold it to maturity? What about interest rates? Anyway, the contribution of an asset to total return is the same if you hold it or you have it indirectly through a mutual fund. But for a ...
by LMK5
Wed May 13, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

Here's the type of scenario one needs to pencil out--perhaps you can help. For 10-year treasurys, the current rate is 2.16%. The long term mean is 4.62%. If rates should climb over, let's say, a 2-year period close to the mean level and stay there, what would the fund be worth after 10 years? Certa...
by LMK5
Tue May 12, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

P.S: one other thing I meant to say is that the reason it's not IMHO worth targetting future expenses with fixed income alone in whatever way (even CDs) is the stock allocation, which may contribute an unknown amount towards those expenses, or require an unknown amount for rebalancing. Both unknown...
by LMK5
Tue May 12, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

LMK5: there are two basic misunderstandings about bonds that I'm guessing are making you much too wary of bond funds. These are not uncommon (so don't feel too bad), but at the same time they are "bond 101" and one really should get this right before venturing into anything like individua...
by LMK5
Tue May 12, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

I have kids going to college in the next 2-5 years. I am seriously thinking of putting a good percentage of my fixed income assets in a defined maturity fund to help fund this. Two things I am concerned about is low volume on some of these funds and premium to NAV. The Guggenheim fund you site does...
by LMK5
Tue May 12, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

I don't oppose the building of a ladder, but I do want to address the misconception that using a ladder protects you from losses that you would have with a bond fund holding a similar portfolio. It seems to me that the clear advantage of a defined maturity fund is when you have a specific need date...
by LMK5
Tue May 12, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2142

Re: Corporate bond defined maturity funds

I don't oppose the building of a ladder, but I do want to address the misconception that using a ladder protects you from losses that you would have with a bond fund holding a similar portfolio. It seems to me that the clear advantage of a defined maturity fund is when you have a specific need date...
by LMK5
Sun Dec 01, 2013 12:42 am
Forum: Investing - Theory, News & General
Topic: Counting SS as Part Of Bond Allocation
Replies: 7
Views: 630

Counting SS as Part Of Bond Allocation

Most investors calculate their asset allocation based on their holdings of equities and fixed income investments. Wouldn't it be more accurate to attribute future expected SS benefits as part of your fixed income allocation, even before receiving those benefits? This would significantly increase wei...
by LMK5
Sat Nov 30, 2013 11:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch Bug
Replies: 11
Views: 899

Re: Vanguard Portfolio Watch Bug

I think Portfolio Watch is generally pretty buggy. I actually called and asked about an unremitting bug recently--after working fine for months, Portfolio Watch suddenly decided that several of my individual equities were actually Canadian, which stayed that way for several weeks. I finally called ...
by LMK5
Sat Nov 30, 2013 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch Bug
Replies: 11
Views: 899

Re: Vanguard Portfolio Watch Bug

Has anyone run into this error and notified Vanguard of it. They didn't seem to care too much about it when I told them via phone. There are so many things related to IT that Vanguard covers poorly, it makes me both angry and sad, then again I'm fairly resigned to it, like Livesoft. I rely on Vangu...
by LMK5
Sat Nov 30, 2013 12:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch Bug
Replies: 11
Views: 899

Vanguard Portfolio Watch Bug

There is a bug in the Portfolio Watch Tool. It gives me the following message when I try to analyze my Vanguard 529 accounts which are listed as "Outside Investments" in "Balances and Holdings": "You have outside investments that are being classified as "Other." We...
by LMK5
Thu Jul 11, 2013 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

Thanks for the excellent info. In your example though, when you sell stocks in the taxable account to raise cash you still have to pay CG tax. Also, if you exchanged bonds for the same amount of stock in your tax advantaged account that you sold in your taxable account, the AA would be different th...
by LMK5
Thu Jul 11, 2013 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

You need to look at whole portfolio as one. Use fresh/new money to re-balance your account. Are you contributing to 401k every 2 weeks ? Why don't tilt to all bonds for few cycle in 401K account. Also as other mentioned, don't reinvest dividends in taxable account, let it go to MM or saving. There ...
by LMK5
Thu Jul 11, 2013 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

How did you fair emotionally during the crash of 2008-2009? Did that event not spur you into making your taxable accounts less risky in spite of them being less tax efficient? I don't know your age, but if you are retirement or very close then I guess it doesn't matter that much. I'm about 10 years...
by LMK5
Thu Jul 11, 2013 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

Like livesoft, my taxable account is all stocks with a little bit of cash (collected dividends etc). IMO, Money is money whether it is in your left pocket (taxable) or right pocket (tax advantaged). Stocks will be volatile whether they are held in taxable or tax advantaged. If there is a substantia...
by LMK5
Wed Jul 10, 2013 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

What I mean by "equity heavy" is when my taxable accounts have more equity exposure than the total portfolio does. I like to keep my taxable accounts a little safer than my retirement accounts because any short term needs would be paid from the taxable accounts. So, if I have an overall A...
by LMK5
Wed Jul 10, 2013 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

My experience is that one rebalances less frequently than annually if one uses bands. I don't know if it has been analyzed, but it might even be a good idea to avoid taxes by using somewhat larger bands when one is positioned to have to rebalance in taxable accounts. Rebalancing on a calendar sched...
by LMK5
Wed Jul 10, 2013 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 15
Views: 2980

Re: Rebalancing in Taxable Accounts

This is all probably a personal choice. Our taxable accounts are 100% equity, so I am not sure what you mean by "but when I see my taxable accounts getting too equity-heavy". For us, we would only put non-equity in a taxable account if our tax-advantaged accounts were already 100% fixed i...

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