Search found 76 matches

by ai_3_us
Sat May 12, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting with two accounts at Vanguard
Replies: 7
Views: 388

Re: Tax gain harvesting with two accounts at Vanguard

There are indeed restrictions on frequent trading at Vanguard (https://www.bogleheads.org/wiki/Frequent_trading_policy). I want to realize capital gains to raise the basis for my funds (https://www.bogleheads.org/wiki/Tax_gain_harvesting). From Vanguard - Frequent trading policy (emphasis added): I...
by ai_3_us
Sat May 12, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Gain Harvesting in Vanguard
Replies: 5
Views: 774

Re: Tax-Gain Harvesting in Vanguard

Or have multiple accounts ... Livesoft, can you expand upon this more? If I want to harvest gains for funds A and B in accounts 1 and 2, can I exchange A -> B in account 1 and B -> A in account 2 without Vanguard getting angry? You can do this. I’ve done variations on it many times. Thank you jhfen...
by ai_3_us
Sat May 12, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting with two accounts at Vanguard
Replies: 7
Views: 388

Re: Tax gain harvesting with two accounts at Vanguard

There are indeed restrictions on frequent trading at Vanguard (https://www.bogleheads.org/wiki/Frequent_trading_policy).

I want to realize capital gains to raise the basis for my funds (https://www.bogleheads.org/wiki/Tax_gain_harvesting).
by ai_3_us
Sat May 12, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Gain Harvesting in Vanguard
Replies: 5
Views: 774

Re: Tax-Gain Harvesting in Vanguard

livesoft wrote:
Wed Jun 21, 2017 3:08 pm
Or have multiple accounts ...
Livesoft, can you expand upon this more? If I want to harvest gains for funds A and B in accounts 1 and 2, can I exchange A -> B in account 1 and B -> A in account 2 without Vanguard getting angry?
by ai_3_us
Sat May 12, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting with two accounts at Vanguard
Replies: 7
Views: 388

Tax gain harvesting with two accounts at Vanguard

I have two accounts at Vanguard. I would like to harvest the gains of two funds found in both accounts: A and B. Will exchanging from fund A to B in account 1 and from B to A in account 2 be allowed? Or is this prohibited by the frequent-trading policy? Unfortunately I cannot exchange money between ...
by ai_3_us
Fri Jan 19, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small Cap Discovery Fund
Replies: 6
Views: 510

Re: Fidelity Small Cap Discovery Fund

It is hard to give good advice without more details. What is your current tax bracket/income? What other accounts do you have?
by ai_3_us
Tue Jan 09, 2018 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions for $16k in IRA
Replies: 4
Views: 426

Re: Investment suggestions for $16k in IRA

Hey guys, Got $16k in a personal Fidelity account currently not doing much. Breakdown is an even $8k in Roth IRA, $8k in a traditional IRA. I'm 30 and I know its not much but I was wondering what is the best investment of that money. Open to any insight. Sidenote: I've grappled with pulling some of...
by ai_3_us
Mon Jan 08, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones to Vanguard Switch Thread
Replies: 2
Views: 339

Re: Another Edward Jones to Vanguard Switch Thread

When I made this switch at a similar age, the EJ funds could not be transferred in kind. One thing you may want to consider is that Vanguard will probably charge you >=$20 for selling funds, so it may be better to sell at EJ first (though they will make a big deal about it, so you can consider wheth...
by ai_3_us
Mon Jan 08, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie:Just relized 200K 403b is 100% stocks
Replies: 13
Views: 1411

Re: Newbie:Just relized 200K 403b is 100% stocks

I'm not nitpicking. I've just noticed that some newer investors get antsy when they hear "wash sale" as a potential concern. I even had one person ask if they would have to pay a fine for triggering one. What would be the concern with a wash sale here anyway since these funds are held in a retireme...
by ai_3_us
Mon Jan 08, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: This is clearest picture of why diversifying is priority!
Replies: 29
Views: 5805

Re: This is clearest picture of why diversifying is priority!

Those charts really do NOT provide a compelling case for diversifying. If you always want to be assured of owning some of the biggest winners (and some of the biggest losers) every year, then sure, buy some of everything. If you're happy never winning (and never losing), then just buying 100% US TM...
by ai_3_us
Sun Jan 07, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie:Just relized 200K 403b is 100% stocks
Replies: 13
Views: 1411

Re: Newbie:Just relized 200K 403b is 100% stocks

I'm not nitpicking. I've just noticed that some newer investors get antsy when they hear "wash sale" as a potential concern. I even had one person ask if they would have to pay a fine for triggering one. What would be the concern with a wash sale here anyway since these funds are held in a retireme...
by ai_3_us
Sun Jan 07, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: This is clearest picture of why diversifying is priority!
Replies: 29
Views: 5805

Re: This is clearest picture of why diversifying is priority!

Those charts really do NOT provide a compelling case for diversifying. If you always want to be assured of owning some of the biggest winners (and some of the biggest losers) every year, then sure, buy some of everything. If you're happy never winning (and never losing), then just buying 100% US TM...
by ai_3_us
Fri Jan 05, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: 403(b) conversion to Roth 403(b) (NOT Roth IRA) -- Does it exist?
Replies: 3
Views: 211

Re: 403(b) conversion to Roth 403(b) (NOT Roth IRA) -- Does it exist?

Great, thank you two for the info. I could not find the name for it, but now that I know it the details are easily searchable.
by ai_3_us
Fri Jan 05, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: 403(b) conversion to Roth 403(b) (NOT Roth IRA) -- Does it exist?
Replies: 3
Views: 211

403(b) conversion to Roth 403(b) (NOT Roth IRA) -- Does it exist?

I am aware that a 403(b) can be rolled over to a traditional IRA and then to a Roth IRA. However, there may be circumstances where this is not an option, such as: better options in 403(b) or still employed with employer. So, can one convert their 403(b) to a Roth 403(b) (assuming that their 403(b) h...
by ai_3_us
Fri Jan 05, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Checking In After Six Years
Replies: 11
Views: 3220

Re: Checking In After Six Years

First off, congratulations. That's very impressive. It takes great discipline to save and stay on the course like that. If you don't mind me asking, the ER on your funds seem to be very low. I checked the Vanguard website but couldn't find any funds close to those ER. Do you mind sharing the names ...
by ai_3_us
Tue Jan 02, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Checking In After Six Years
Replies: 11
Views: 3220

Re: Checking In After Six Years

Is your desired international AA 25% of total investments or 25% of stocks (which would be 22.5% of total investments with your 90/10 AA)? You seem to indicate two different things here. From your current AA it looks like you probably want international to be 25% of your total assets.
by ai_3_us
Fri Dec 29, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the plunge into Bogle-Style Investing.
Replies: 15
Views: 1268

Re: Taking the plunge into Bogle-Style Investing.

[*]Is a "transfer in-kind" the correct approach from American Funds? I'm not positive you can transfer funds in kind inside an IRA. Maybe someone can comment on that. I was able to do this through Vanguard without a problem. I cannot comment on Fidelity or others but I assume they would be similar.
by ai_3_us
Fri Dec 22, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy
Replies: 5
Views: 671

Re: Investment strategy

It will be helpful for people to answer if they know your age/how close you are to retirement as well as what your portfolio looks like now. Also, you should be able to calculate your tax bracket with the new plan since the details are out.
by ai_3_us
Sun Dec 17, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Harvest tax gains? Convert to Roth?
Replies: 5
Views: 574

Re: Harvest tax gains? Convert to Roth?

Some more information would be helpful. How close are you to retirement? This will determine for how long your funds will have to stay in the Roth.
by ai_3_us
Sun Dec 17, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on where to put new tax free/deferred funds
Replies: 5
Views: 448

Re: Suggestions on where to put new tax free/deferred funds

kerplunk wrote:
Sat Dec 16, 2017 10:30 pm
Is “$600,000” for current assets a typo?
No, that is correct. I was gifted most of this money years ago, hence my transferring funds from EJ.
by ai_3_us
Sat Dec 16, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on where to put new tax free/deferred funds
Replies: 5
Views: 448

Re: Suggestions on where to put new tax free/deferred funds

PFInterest wrote:
Sat Dec 16, 2017 9:10 pm
Is your income 300,000?
No. $30,000. I understand that it seems like I am putting away almost as much as I make, but this is because I am selling old high ER funds and putting my income in tax deferred accounts.
by ai_3_us
Sat Dec 16, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on where to put new tax free/deferred funds
Replies: 5
Views: 448

Suggestions on where to put new tax free/deferred funds

I am looking for some input on the best way to fill up my tax free and tax deferred accounts in 2018. I am 26 y.o. and have a steady income. In 2018 I will max out my Roth contribution as well as split ~24k between by 403(b) and 457(b) (with a max of $18k in one) (neither plan has employer matching)...
by ai_3_us
Fri Dec 01, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Placement and Tax Efficiency
Replies: 19
Views: 1582

Re: Bond Placement and Tax Efficiency

I am in a similar situation to the OP but 5 years younger. I currently have my Roth filled entirely with VGSLX since I would like some REITs and they are the least tax efficient. I have access to a 403(b) through TIAA-CREF and a WA State 457(b). The only bond fund in the 457(b) is a WA State bond fu...
by ai_3_us
Tue Oct 03, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 755

Re: Are distributions and capital gains very different quarter to quarter?

Does it really matter much? Take last year's distribution and go +/- 10%. Will it make that much difference to you in your total income from this fund? I've held the fund for nearly 20 years and the best I can do is estimate. Distributions fluctuate and no one can tell you what the distribution wil...
by ai_3_us
Tue Oct 03, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 755

Re: Are distributions and capital gains very different quarter to quarter?

I fear looking at one year alone is not enough to determine how much of a difference I should expect. When I look at most of my funds, it looks like any differences are small and a pattern is hard to establish. I downloaded the history for VTSMX. Since Q1 2008, the history-averaged Q4 distributions ...
by ai_3_us
Tue Oct 03, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 755

Are distributions and capital gains very different quarter to quarter?

I am currently trying to estimate my total income for 2017. Is it reasonable to expect that a given mutual fund will have similar distributions in Q4 as it had in Q1, Q2, and Q3? Or, is there something special about the end of the year that would make mutual funds distribute more or less in Q4?
by ai_3_us
Wed Feb 22, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with decision [leaving Edward Jones]
Replies: 11
Views: 1513

Re: Need help with decision [leaving Edward Jones]

I recently left Edward Jones for Vanguard and am very pleased with my decision. I cannot comment much on the customer service as I don't rely on it much. However I can say that a big advantage for me was the ability to actually look at, control, and access my money. Whenever I needed money from Edwa...
by ai_3_us
Wed Feb 22, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA contribution pending a recharacterization
Replies: 3
Views: 348

Re: Roth vs Traditional IRA contribution pending a recharacterization

There really is no 20% bracket unless you're talking about the increased cap gain tax on high earners. The normal brackets are 15% and 25% for ordinary income; 0% for cap gains falling in the 15% bracket limits and 15% for cap gains that are above the 15% bracket limits (until you get to the magic ...
by ai_3_us
Wed Feb 22, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA contribution pending a recharacterization
Replies: 3
Views: 348

Roth vs Traditional IRA contribution pending a recharacterization

I am currently on the edge between the 15% and 25% tax bracket. Because of the 0% LTCG tax in the 15% tax bracket, I would very much like to stay in this tax bracket. I have $3k to contribute to an IRA. Depending on how some of my active funds behave (ugh I know, I am in the process of selling them)...
by ai_3_us
Mon Jan 23, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 4923

Re: Getting out of Edward Jones ...

I'll give this a shot. For each fund, find the value of each purchase of additional shares in 2016, which includes dividends and cap gain distributions you reinvested. Use your 2016 statement, use the # of shares times the NAV of day to get the value of each purchase. Then find the present value (c...
by ai_3_us
Wed Jan 18, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 4923

Re: Getting out of Edward Jones ...

bananastand I am curious to hear what happened with your capital gains taxes during this switch and if they ended up as you expected. I am currently in the process of transferring my EJ funds to Vanguard and am thinking about how to sell everything without taking large capital gains. When I look on ...
by ai_3_us
Wed Jan 18, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]

There is another update: It appears I may be eligible for a government 457(b) with an annual administrative fee of 0.1283%. This fund has targeted retirement plans as well as a Domestic Large Cap Index Fund, Global Equity Index Fund, US Small Cap Value Equity Index Fund, and Emerging Market Equity I...
by ai_3_us
Mon Jan 16, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

ai_3_us - I merged your post into your first thread. In order to give appropriate advice, it's best to keep all the information in one spot. Additionally, the members who've helped you before will have the thread show up in Your posts , so they'll be able to help you again. I retitled the thread an...
by ai_3_us
Mon Jan 16, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

403(b) Fidelity or TIAA Cref allocation, and do I want one?

Update: Thanks to the good advice of people here, my EJ funds are currently being transferred to Vanguard, a move I feel confident about. Many have suggested that I maximize my 403(b) contributions and sell off taxable funds periodically for living expenses. Note: my 403(b) offers no matching from m...
by ai_3_us
Wed Jan 11, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

You also have to add in LTCG to your income if you have any, so instead of typing STCG, you should've use simply CG. And it is not clear if you understand that ordinary dividends are both non-qualified ordinary dividends and qualified ordinary dividends. Or, if you like, there are ordinary non-qual...
by ai_3_us
Wed Jan 11, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

livesoft wrote:
Can't I also calculate my taxable income as: Salary + STCG + Ordinary dividents - 403(b) contributions?
Not if you make Roth 403(b) contributions.
Yes of course, sorry. I meant traditional 403(b) contributions.
by ai_3_us
Wed Jan 11, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

You can fill out mock tax returns and see your own tax story. If you don't get your taxable income low enough to be in 15% marginal income tax bracket where you qualified dividends and LTCG are not taxed, then you will probably want to use a traditional 403(b) to make that happen. A Roth 403(b) wil...
by ai_3_us
Wed Jan 11, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

UPDATE: I spoke with a Vanguard adviser. He confirmed the $50k number for Voyager status and said that if I transferred everything over in-kind, I would be subject to the $20 sell transaction fee. As written, that is NOT true. You must have $50K of Vanguard products to get Voyager status. Assets in...
by ai_3_us
Wed Jan 11, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Well then you haven't been killed on taxes on cap gains distributions … yet. :) But you would've noticed on your tax returns that you didn't pay any taxes, so what's up with that? That's a good question. Are they short term capital gains taxes? My only ordinary income is from my job, and it is $26,...
by ai_3_us
Wed Jan 11, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Thanks again for the wealth of information livesoft. 1. Do not sell all funds all at once. Instead sell $250,000 worth of funds for the minimum number of $35 fees. One will have to figure out the puzzle. For instance, if one has a fund with $260,000 in shares, then sell that fund and nothing else. I...
by ai_3_us
Wed Jan 11, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Once your eyes are open to the fees you are paying you cannot close them. You are in the denial phase at this point. That is ok. I was there as well. I escaped less than 2 years at EJ with a good "life lesson". My parents choose to stay at EJ. They don't want to make their advisor "feel bad". Yet t...
by ai_3_us
Wed Jan 11, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by ai_3_us
Tue Jan 10, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

What asset allocation do you want, and does this portfolio provide that? It doesn’t look like you have any bonds (although I don’t know all of those funds, so maybe some include them). Is this what you want? Assuming you want a 100% stock portfolio (and assuming you indeed don’t have any bonds in y...
by ai_3_us
Tue Jan 10, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Interesting thought, but I wonder if it's coincidence. For instance on this thread https://www.bogleheads.org/forum/viewtopic.php?t=155404 the total funds with front load is > 70%. Also these funds may not have represented 49.8% of my investments when I initially invested >5 years ago? I don't know...
by ai_3_us
Tue Jan 10, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

I even wonder if you have 19 instead of 20 funds and 49.8% of your investment in funds with pre-loads rather than 50% to avoid triggering some rule to protect account holders from outrageous behavior by the "adviser". Interesting thought, but I wonder if it's coincidence. For instance on this threa...
by ai_3_us
Tue Jan 10, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

^I like the 5 funds with "international" in the names, plus the emerging markets fund. Clearly, they have no clue when it comes to selecting the "best" fund for an asset class, so they just try to select them all. Livesoft, isn't it possible that the international funds and emerging markets are dis...
by ai_3_us
Tue Jan 10, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Morik wrote: The fees charged by a mutual fund are subtracted from the fund's NAV, so you would just see a lower price per share than you would if the fee was lower.
Thank you for this info. I think this was the missing piece.
by ai_3_us
Tue Jan 10, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

I look at fees. You're paying about $5,000 on your (about) $500k portfolio. By comparison, I'm all in index funds with some iBonds included since they're part of my investments. On a $2MM portfolio, I pay less than $900 a year in fees. If you believe that the EJ mother ship can conjur up hocus pocu...
by ai_3_us
Tue Jan 10, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Could I get some clarification? I hear various discussions in this very long and fascinating thread that OP's EJ fees are (variously) 1%, or 2%, or ? Is it true that EJ charges 1% for overall supervision plus the underlying Expense Ratios, so the OP is clearly spending closer $10K per year than $5,...
by ai_3_us
Tue Jan 10, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6578

Re: EJ not [costing me as much as] others?

Note how the FA didn't help you with financial advice on reducing taxes. That's because it would cut into their income they get from you. If I was in your situation, I'm pretty sure I could figure ou how to not pay any income taxes. May I ask what were your taxes in 2015 anyways, Form 1040 Line 63?...