Search found 20 matches

by TheBogleWay
Wed May 17, 2017 2:43 am
Forum: Investing - Theory, News & General
Topic: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?
Replies: 20
Views: 2414

I'm hearing conflicting advice on putting bonds in tax-protected accounts....?

Hey Guys, So. On this forum I have heard the following: 1) In your tax protected accounts, specifically your Roth IRA, that's where your bond allocation should go. The reason? Because BND gives you dividend gains routinely, and if it's in something like a Roth IRA, you don't have to claim those gain...
by TheBogleWay
Wed May 17, 2017 2:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1333
Views: 225582

Re: What are you up YTD? [Year To Date]

11.1% in my primary account, which is probably 75% total US stock market, 20% total international, and 5% BND.
by TheBogleWay
Fri Apr 14, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: How "safe" is our/my money?
Replies: 6
Views: 1203

Re: How "safe" is our/my money?

what if someone went through your trash, collected your data, and impersonated you? This concern is easily addressed. I shred every discarded paper that has my name and/or address on it. So do I of course, that's easy. I'm trying to understand hypothetically, let's say someone hacked my E-trade acc...
by TheBogleWay
Fri Apr 14, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: How "safe" is our/my money?
Replies: 6
Views: 1203

Re: How "safe" is our/my money?

I don't know what happens if someone gets your Vanguard account, hacks the google voice account where you send your two factor authentication SMS messages, logs in, sets up a new wire transfer account under false pretense, and takes your two million dollar fortune on a one way trip to Thailand. I s...
by TheBogleWay
Thu Apr 13, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How "safe" is our/my money?
Replies: 6
Views: 1203

How "safe" is our/my money?

Hey Bogleheads I want to learn about safety. I'm thinking more in terms of... what if someone went through your trash, collected your data, and impersonated you? Or hacked your account? Or any of the options where they could get access to your "digital" money? Most everything is in Vanguar...
by TheBogleWay
Thu Apr 13, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??
Replies: 8
Views: 375

Re: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??

Step1: If you cannot get through to Vanguard by phone, you can make your contributions online. Make sure to code the 2016 contribution for 2016 tax year. Step 2: good Step 3: The conversion(s) can happen anytime. No need to rush to convert before APR 18. Any conversions done in Calendar 2017 will b...
by TheBogleWay
Thu Apr 13, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??
Replies: 8
Views: 375

Re: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??

I think you're good as far as the conversions done in calendar 2016. Based on the info provided in this thread, you have not made TIRA contributions for 2016 tax year yet. You still have time to make those contributions. If you do that, make sure to enter the 2016 contribution to your 2016 tax retu...
by TheBogleWay
Thu Apr 13, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??
Replies: 8
Views: 375

Re: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??

Did you see form 8606 in your 2015 return? If the 2015 had form 8606 showing $5500 IRA basis, that should have carried forward into the 2016 return and make your conversion non-taxable. If you entered the 1099-R and turbo tax says the conversion is not taxable, then the IRA basis was probably carri...
by TheBogleWay
Thu Apr 13, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??
Replies: 8
Views: 375

Re: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??

In March of 2016, you contributed to Traditional IRA for tax year 2015. Did you enter the 2015 Traditional IRA contribution into your 2015 tax return? If you entered the 2015 TIRA contribution, your 2015 tax return would show an IRA deduction in 1040 line 32 if the contribution was deductible. If n...
by TheBogleWay
Thu Apr 13, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??
Replies: 8
Views: 375

Confusing but short tax question about backdoor roth IRA, I can't figure out. Help??

Hey everyone For the life of me I can't figure this out and would love some help, and it's probably common around here so I think you all would know. I'm doing my 2016 taxes using TurboTax Deluxe, and most of my investments are Vanguard. It's pretty simple for me because 1 job as an employee all yea...
by TheBogleWay
Wed Jan 18, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 4303

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

To respond to the poster above, true, maybe it will kill the fun if I ask you guys what to do. Good point! OP - I get where you're coming from. I actually have the same mentality. 99% of my portfolio (actually 99.75% to be exact) is in broadly diversified index funds, however I have set a bit aside ...
by TheBogleWay
Wed Jan 18, 2017 2:16 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

If you plan to buy, sit out the market, and then rebuy so you can harvest this tax loss, perhaps now would also be a good time to evaluate if BND in taxable (while in the 33% bracket) is what you want to get back into. You could decide on a different holding, such as a tax-free bond fund and just m...
by TheBogleWay
Wed Jan 18, 2017 1:27 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

If you plan to buy, sit out the market, and then rebuy so you can harvest this tax loss, perhaps now would also be a good time to evaluate if BND in taxable (while in the 33% bracket) is what you want to get back into. You could decide on a different holding, such as a tax-free bond fund and just m...
by TheBogleWay
Wed Jan 18, 2017 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

As Livesoft mentioned above - BND is up 1.5% from a few weeks ago - whatever they said on the phone then is long outdated. Do you have online access to your Vanguard account? And even if we are talking the December low, you would need to have had a 35,000 initial investment (at the peak price) to g...
by TheBogleWay
Wed Jan 18, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

Did you check what your actual loss is? The OP said it was either a $2000, $3000, or $4000 loss on his $20,000 investment. So we're probably safe in assuming he hasn't actually checked..... I believe my loss on BND was about $2-3k if memory serves (I was on the phone with Vanguard a few weeks ago) ...
by TheBogleWay
Wed Jan 18, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

What you are talking about is tax loss harvesting and the wiki covers it well: https://www.bogleheads.org/wiki/Tax_loss_harvesting But you do not have 'pretty significant losses' in BND. BND is down less than 5% from its absolute peak - not just in the last 12 months but it's entire history. This i...
by TheBogleWay
Wed Jan 18, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

What you are talking about is tax loss harvesting and the wiki covers it well: https://www.bogleheads.org/wiki/Tax_loss_harvesting But you do not have 'pretty significant losses' in BND. BND is down less than 5% from its absolute peak - not just in the last 12 months but it's entire history. Sorry,...
by TheBogleWay
Wed Jan 18, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 1053

Have a big loss with BND, sell, write off stock loss and re-buy?

Hey Guys, part of my investing portfolio is BND, total US bond market. Probably $20k or so. Apparently it's down a pretty significant amount for the last year. I'm not familiar with tax code and I've never sold a stock before, but I thought I read somewhere if you sell a stock you can re-buy it 30 d...
by TheBogleWay
Tue Jan 17, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 4303

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Lol, OP here, sorry I realized I didn't post enough detail. This is truly for fun and just for the excitement of it. I just get bored of indexing. My normal investment accounts are $300k+, and I'm thinking of buying these stocks with an amount of say $2,000. Very small bit, just for fun. Haven't com...
by TheBogleWay
Tue Jan 17, 2017 1:01 am
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 4303

So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Hey guys I invest the Boglehead way, basically a lazy 3 fund portfolio. Total US, total INTL and us bond market. Anyway, I'm not a casino gambler really but figured I'd gamble a little bit and buy some individual stocks for the first time. I'm not going to do the traditional research on companies th...

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