Search found 456 matches

by TropikThunder
Sat Jul 22, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 7451

Re: Can anyone convince me I need international stock in my portfolio?

The thing that bothers me about ex-US is the poor performance this century. It hasn't returned much since 2000. Lots of volatility for not much return over such a long period of time. Still, P/E is high which makes me skeptical that returns will suddenly increase radically and compensate for this l...
by TropikThunder
Fri Jul 21, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 7451

Re: The crowd is always wrong

"If you believe Jack Bogle, here's where you should invest." Why mess with what’s worked? “I believe the U.S. is the best place to invest,” Bogle told Bloomberg, earning our call of the day. “I’d bet that the U.S. will do better than the rest of the world. It is a simple bet on which econ...
by TropikThunder
Fri Jul 21, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum amount for closed Vanguard Admiral funds?
Replies: 10
Views: 1082

Re: Minimum amount for closed Vanguard Admiral funds?

(And even if it is, it would still be nice of Vanguard to make that non-sensitive information easily available to anyone who is interested. What is the harm of posting the amount where there is a clear place for it, rather than bothering with the "N/A"?) Well, because it's closed to new i...
by TropikThunder
Fri Jul 21, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund vs Vanguard Total Bond Market Index
Replies: 25
Views: 2534

Re: Stable value fund vs Vanguard Total Bond Market Index

No, there is no time commitment (like a CD) nor a penalty to move it out early. The rate is guaranteed until 7/31/18 and then the rate goes down to 2.90% until 7/31/19 then goes down further to 2.65% to 7/31/20. It's unfortunate that the guaranteed rate declines over time, especially since interest...
by TropikThunder
Thu Jul 20, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5152

Re: Would you let your teenager spend all his savings on a gaming computer?

My son, a rising high school junior, has saved $1500 through summer jobs, chores, gifts, etc. He now wants to spend almost all of it on a gaming computer that he plans to build this summer. He has been talking about this for over a year . I am conflicted about whether we should allow him to do this...
by TropikThunder
Wed Jul 19, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: FOSFX OR VEA??
Replies: 5
Views: 338

Re: FOSFX OR VEA??

:oops: I am going to be investing a sizable amount in an international fund because I happen to be short on international for my allocations. I have been doing some comparisons of funds and as of today I have narrowed it down to FOSFX and VEA for an index fund. I have never invested in an index but...
by TropikThunder
Mon Jul 17, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Reimburse UTMA expenditure without affecting gift tax exclusion?
Replies: 3
Views: 206

Re: Reimburse UTMA expenditure without affecting gift tax exclusion?

I want to pay my kid's $15k grade school tuition but don't have the cash readily available (I could make it available if I had to but it would be inconvenient). Instead can I pay it using funds in his UTMA account and then in a couple of months reimburse him $15k by transferring the same amount to ...
by TropikThunder
Sat Jul 15, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 15
Views: 1483

Re: Can American Funds be worth the load?

Anyone have longtime experience with American Funds? https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html This same article has been discussed quite a few times here, and I'll re-post the analysis I did on an...
by TropikThunder
Sat Jul 15, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: Market vs Limit order
Replies: 50
Views: 3217

Re: Market vs Limit order

It doesn't. Mutual funds are priced daily at a time when foreign markets are closed. But I think I know what you meant ;) Technically, there aren't any foreign markets open at 5:00 pm Eastern when mutual funds update their NAV's. For example, all European markets close by 11:30 am Eastern (regular ...
by TropikThunder
Sat Jul 15, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Market vs Limit order
Replies: 50
Views: 3217

Re: Market vs Limit order

You just place your order and it gets executed at the end of the business day, at the actual share value. This isn't true for anything that is international. Since obviously their markets don't close at 5pm Eastern Standard . For a homework assignment: So how does Vanguard determine the price of a ...
by TropikThunder
Fri Jul 14, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 1268

Re: Benefits of real estate agent for buying new construction?

Are there benefits to NOT use an agent when buying new construction? Hopefully not hijacking the thread, but have others encountered and/or worked with this situation: I was house hunting and stumbled on and toured a new development under construction. The agent staffing the sales center works for ...
by TropikThunder
Fri Jul 14, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Account [why doesn't Vanguard have a ROTH 403b?]
Replies: 10
Views: 618

Re: Vanguard Retirement Account [why doesn't Vanguard have a ROTH 403b?]

Hello, I currently have a ROTH 403b at Voya (CalStrs Pension 2), but they are charging me .25% admin fee in addition to the fees for each selected Vanguard fund. Why does Vanguard not have a ROTH 403b? You have a CalStrs Pension 2 403b, so whether Vanguard offers a Roth version for its small-busine...
by TropikThunder
Fri Jul 14, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 6668

Re: 90:10 AA - what don't you believe about it?

Here's my Buffett answer. Warren is one of the most successful investors of all time and 2nd richest man on the planet. If you believe in him, commit to his plan. :D This is not directed at you, but I get tired of the guru worship on here sometimes. If Warren Buffet had become one of the richest me...
by TropikThunder
Tue Jul 11, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Finance auto-loans - Whats the catch?
Replies: 20
Views: 1781

Re: 0% Finance auto-loans - Whats the catch?

P.S. I have a 750+ credit score. The only reason I am getting a loan is to further improve my credit score. From what I understand about credit scores, if yours is already 750+ a car loan will be of minimal additional value (meaning you have so much "good credit" already in terms of payme...
by TropikThunder
Sat Jul 08, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: Owning 3 Index funds vs ETFS ?
Replies: 24
Views: 1856

Re: Owning 3 Index funds vs ETFS ?

Currently I am with Fidelity and I use the 3 - portfolio index theory with fidelity funds. however, with fidelity index funds, if you sell in less then 30 days, you have a 1 % early redemption fee and if you make 3 round trips within a year you can get blocked from that mutual fund for a year. With...
by TropikThunder
Sat Jul 08, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 4097

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

Then when I retired in 2013, I chose to ANNUITIZE a portion of my accumulation for lifetime income. Some $$$ was already in place in Trad, TREA, and CREF Stock, which are the three sources of my annuity income, but I transferred more $$ from some of my MF holdings to get to the level I wanted. I li...
by TropikThunder
Sat Jul 08, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors
Replies: 5
Views: 1452

Re: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors

Another outstanding article on Jack Backed by 'Murderers' Row' of Economists and Investors Murderers' Row refers to the dominant 1927 New York Yankees baseball team, describing what is said to be the best starting nine in baseball history, which included Babe Ruth and Lou Gehrig. I think the impact...
by TropikThunder
Sat Jul 08, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 4097

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

Then when I retired in 2013, I chose to ANNUITIZE a portion of my accumulation for lifetime income. Some $$$ was already in place in Trad, TREA, and CREF Stock, which are the three sources of my annuity income, but I transferred more $$ from some of my MF holdings to get to the level I wanted. I li...
by TropikThunder
Sat Jul 08, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?
Replies: 60
Views: 3082

Re: Is the 'global market portfolio' rational for someone living in a small economic area like the EU?

The question is this: I live in the EU, which is a small portion of the world stock market by market cap. I'm surprised no one has reacted to this statement, unless I missed it. "A small portion of the world stock market"? The EU (developed and emerging) is about 23% of world stock at lea...
by TropikThunder
Sat Jul 08, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 14040

Re: Dividend Misunderstandings & Only Spend Return

I can hold my position for 77 more years & profit from it... with a income to boot. If you're reinvesting the dividends during the accumulation phase, then they serve no purpose (TSM has higher return with lower dividend) and if in taxable are actually hurting return. If you want the dividends ...
by TropikThunder
Sat Jul 08, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 14040

Re: Dividend Misunderstandings & Only Spend Return

When I started investing in VHDYX (a couple years ago) the price was about $25.00 per share. Today the price per share is about $31.00 . All I know, is I have substantially more shares & money today than I started with. In my mind I' am a happy camper! As another poster has suggested, I think y...
by TropikThunder
Thu Jul 06, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11456

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/...
by TropikThunder
Thu Jul 06, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house?
Replies: 50
Views: 4261

Re: Should I buy this house?

Maybe I'm too confined to my little bubble.....but why are the property taxes so high on this property? Is there a lot of land, or are some areas simply that high? I was wondering the same thing. That's over 2% property tax, which I've never heard of. 2-3% is par for the course in Texas. Especially...
by TropikThunder
Thu Jul 06, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Question about buying new ETFs like VTEB
Replies: 8
Views: 1307

Re: Question about buying new ETFs like VTEB

Vanguard Tax-Exempt Bond ETF (VTEB) By tax exempt, they do mean federally tax exempt, correct? (still pay state tax on this ETF) Now, despite this being tax-exempt, you still incur a capital gains tax by buying low selling high, correct? (or vice versa for a loss). seems like reinvesting a distribu...
by TropikThunder
Tue Jul 04, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k International Expense Ratio
Replies: 10
Views: 607

Re: Employer 401k International Expense Ratio

I will try to max out employer 401k ($18,000) and contribute max ($11,000) to Roth IRAs (mine and spousal). The 401k has a 100% employer match up to 6% and should at least reach $18,000 with match and possibly without match. The employer match doesn't come out of the $18k cap, so do you mean you ma...
by TropikThunder
Fri Jun 30, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12186

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

It must be, and in fact is, the case that on the ex-dividend date the price falls by the amount of the dividend, even though other market movements may make it hard to see. PJW It's actually not that hard to see, as I showed in my example for VTSAX. You can tease out the Dividend (posted on the mut...
by TropikThunder
Fri Jun 30, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?
Replies: 6
Views: 812

Re: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?

The "GD" in ticker symbol VPGDX stand for "growth and distribution." That's funny, I thought the "GD" referred to something else. :twisted: In the forum, most of the people who've said they bought this fund weren't using it for retirement income at all, they were using...
by TropikThunder
Fri Jun 30, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12186

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

Nope -- can't agree to that. It may be terminology, but when I say "total return" I mean distributions (that is, dividends, interest, etc) + price appreciation. Which is exactly what I stated above: So if we consider Total Return = Dividend + Capital Appreciation So, everyone agrees (and ...
by TropikThunder
Fri Jun 30, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 9
Views: 807

Re: HSA question

So I will just let her saturna HSA sit tight for now. Also helpful information I should have added: wife is SAHM She does still qualify as "HSA Eligible" since she' on your plan even though she's not currently employed, so she's allowed to have her own HSA account. IMO, whether it's worth...
by TropikThunder
Fri Jun 30, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 9
Views: 807

Re: HSA question

Convoluted HSA question No, you can't do this unfortunately. If you are both on an HDHP plan, you are both "HSA Eligible" and can both open and contribute to your own HSA accounts up to the combined family maximum of $6,750 split between the two of you however you see fit. Also, if over 5...
by TropikThunder
Thu Jun 29, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 9
Views: 807

Re: HSA question

Convoluted HSA question Previously wife and I had separate hdhp plans. Work contributed to my pinnacle HSA. I contributed to her HSA that I started at saturna. I also moved my HSA to saturna because of superior options and cost considerations. Both accounts are separate. Fast forward to this year. ...
by TropikThunder
Thu Jun 29, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay Mortgage Payment
Replies: 28
Views: 2768

Re: Credit Card to Pay Mortgage Payment

I appreciate all the responses! I guess I just didn't want to think about the money and have it be thrown towards something I need to pay off. My plan is to buy some Visa gift cards and just start paying for groceries and any other expenses we can think of... and then take the $3k I save and put it...
by TropikThunder
Thu Jun 29, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity (GSRA) and Bond Fund
Replies: 12
Views: 962

Re: TIAA Traditional Annuity (GSRA) and Bond Fund

Yes, TTA is TIAA Traditional Annuity. This may be off topic... I was also thinking of not touch TIAA and instead sell Fidelity US Bond Index Premium (FSITX) and buy MUB (iShares National Muni Bond ETF). Am I correct that with MUB, there is no Federal tax on earnings, but how about state? Thanks! I ...
by TropikThunder
Thu Jun 29, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buying index fund, what time is the cut-off to be post that day?
Replies: 6
Views: 494

Re: Buying index fund, what time is the cut-off to be post that day?

gkaplan wrote:It's by 0900 (PST) on days preceding holidays, so I guess that would be 1200 EST.

The day-before and day-after holiday closings are at 1:00 PM Eastern, not 12:00. (I don't know it was noon in the past.)
https://www.nyse.com/markets/hours-calendars
by TropikThunder
Thu Jun 29, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity (GSRA) and Bond Fund
Replies: 12
Views: 962

Re: TIAA Traditional Annuity (GSRA) and Bond Fund

Is TTA TIAA Traditional Annuity? If so, yes, most of my Traditional is in the higher paying RA. I think that many people are unnecessarily spooked by the illiquidity issue. I keep as much as I think, based on experience, I may want to use for rebalancing in a good (bad?) equity bear market in my SR...
by TropikThunder
Thu Jun 29, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12186

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

What we are against are the ideas that dividends are the only aspect of return that's important, and that dividends in and of themselves increase one's wealth. They do not because there is an equal drop in share price . One's net financial position after receiving a dividend is unchanged, as linked...
by TropikThunder
Wed Jun 28, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Why were dividends so comparitively low on this mutual fund? [FTIPX]
Replies: 9
Views: 815

Re: Why were dividends so comparitively low on this mutual fund? [FTIPX]

...except that dividends don't matter what do you exactly mean with "dividends don't matter"? thanks If you search "dividend investing" in the Forum search box you'll find >14,000 hits debating whether dividends matter. https://www.google.com/search?sitesearch=bogleheads.org&...
by TropikThunder
Tue Jun 27, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy funds down more that Target Date
Replies: 3
Views: 904

Re: Life Strategy funds down more that Target Date

Hi, Today the market was down but it seems the Life Strategy funds took a disproportionate hit. For example, if you look at the Vanguard LifeStrategy Moderate Growth Fund, it is down -1.42%. This is more than any of the 4 funds which comprise Moderate Growth. The 2020 Target date fund which is made...
by TropikThunder
Tue Jun 27, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financing Engagement Ring/ Credit Score Potential Consequences
Replies: 39
Views: 2050

Re: Financing Engagement Ring/ Credit Score Potential Consequences

So I have been thinking about paying 50% up front and 50% with my new Chase credit card and spread the balance through say 12 out the 15 0% APR months. My questions are regarding how this could impact my credit score? If I do choose to go this route I would not put more than $1,200 into the Chase C...
by TropikThunder
Tue Jun 27, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financing Engagement Ring/ Credit Score Potential Consequences
Replies: 39
Views: 2050

Re: Financing Engagement Ring/ Credit Score Potential Consequences

Best bet is to save up the $2400 and buy the ring then. That will set the stage for good financial habits throughout your life & marriage. Second best choice is the CC 0%. Be sure to fully understand the terms. Don't use the jeweler's finance option - most likely to have traps (like APR jumps t...
by TropikThunder
Tue Jun 27, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: VXUS vs VWO + VEA [Number of Holdings]
Replies: 7
Views: 1069

Re: VXUS vs VWO + VEA [Number of Holdings]

It is not even a matter of number of holdings; the index coverage is different. VWO holds Chinese A-shares while VXUS does not. Right. So why own VXUS when it's not fully representative? Is the only reason for simplicity? "Fully representative" is not automatically an achievable or desira...
by TropikThunder
Tue Jun 27, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Illinois: A slow swimming black swan?
Replies: 32
Views: 4706

Re: Illinois: A slow swimming black swan?

As mentioned above, your concern is misplaced because the bond fund you mention does not invest in municipal bonds . This page has a link to the fact sheet for the Bloomberg Barclays US Aggregate Index, which among other things lists criteria for inclusion. PJW It always throws me off a bit until I...
by TropikThunder
Tue Jun 27, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Splitting Value and Growth in taxable/non-taxable
Replies: 27
Views: 1570

Re: Splitting Value and Growth in taxable/non-taxable

BogleAlltheWay wrote:@ TropikThunder
The tax rates are the taxes I pay including state and local.

:oops: I always forget about the state taxes, always having lived in a state with no income tax (TX, WA).
by TropikThunder
Tue Jun 27, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Splitting Value and Growth in taxable/non-taxable
Replies: 27
Views: 1570

Re: Splitting Value and Growth in taxable/non-taxable

Then I will have to adjust the percentages based upon the account ie. if I was splitting between 401k and taxable, I would have have to add more to the 401k because that will be taxed at 32% when I withdraw as opposed to only 22% for the taxable? What do you mean by considering future tax on distri...
by TropikThunder
Sun Jun 25, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Five Very Basic Questions About Mutual/Index Funds
Replies: 16
Views: 1587

Re: Five Very Basic Questions About Mutual/Index Funds

5. when I buy (or sell) fund shares, is the fund then (immediately?) buying (or selling) shares of the companies it tracks? Also, keep in mind that the fund only needs to buy new shares of the underlying assets to the extent that purchases and redemptions don't match. I.e., if you sell 100 shares a...
by TropikThunder
Sun Jun 25, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much to pay for extra work (furniture delivery)
Replies: 9
Views: 903

Re: How much to pay for extra work (furniture delivery)

Yea, I could PROBABLY wrestle the chair downstairs, it is more bulky than heavy. But if I gouge a place in the wall, ... Ah, there's the rub (pun intended!) If the furniture movers gouge the wall, who's going to fix it? Since they won't be acting under the terms of the furniture delivery company co...
by TropikThunder
Fri Jun 23, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Water Damaged/Broken
Replies: 10
Views: 1035

Re: iPhone 6 Water Damaged/Broken

I want to replace my broken iPhone 6 with an iPhone 7. I have a Verizon Plan. I usually keep my phone for years and am due for an upgrade. I went online and saw you have to lease or buy at full price. What are my options? Years ago, I spent only about $400 dollars for the iPhone 6 with the memory I...
by TropikThunder
Fri Jun 23, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2552

Re: Anyone have a habit of checking the market all day?

Nah.... Set it? Absolutely. Forget it? It really doesn't matter. If you can commit to buy and hold, then it makes no difference if you look or not. Contrary to popular opinion, I've always recommended not only "peaking," but staring full on into the eyes of the beast. Having held firm thr...
by TropikThunder
Fri Jun 23, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4831

Re: Did I just get seriously ripped off?? (Car lease)

BMW does not have holdback or manufacturer to dealer incentives . That's what I keep saying but nobody is listening apparently. Their sales system is not the same as other car companies. They get bonuses based on their customer service scores and overall volume. If the car has no trunk money and yo...
by TropikThunder
Thu Jun 22, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 22
Views: 3445

Re: Not reinvesting dividends

In my Roth IRA, I reinvest. In my taxable EFT account, I transfer to settlement fund. I do it to avoid tax lots, but to be honest that is only based off of what I have read here. I do not quite understand that. Per TD Ameritrade, "a tax lot is a record of a transaction and its tax implications...

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