Search found 129 matches

by flyersrule
Tue Jul 25, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Yes, it's possible that selling MUB could trigger capital gains. If interest rates have gone down, then the principal will have gone up. Most of the earnings from bond funds come from distributions, not a rise in principal. But it is a risk. You need to weigh it against the cost of paying $4.95 eve...
by flyersrule
Tue Jul 25, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I'm not sure it works that way. PTTAX should make more, because it's taking on more risk. That's why I was saying a more apples to apples comparison would be to compare PTTAX to 17% FSTVX/83% VTEB Got it. Earlier you mention I could funnel money into MUB then yearly move to VTEB. Will that kick off...
by flyersrule
Tue Jul 25, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I don't think you need both VTEB and FTABX. Either will provide broad exposure to the national municipal bond market. If you're planning on using VTEB, and making monthly contributions, you can make those contributions into MUB and then 1 or twice a year, move all of your holdings into MUB into VTE...
by flyersrule
Tue Jul 25, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

PA state taxes ill be applied to your national tax-exempt bond fund. Only PA issued bonds are exempt from PA state taxes. There won't be a neat break even point because you really aren't comparing apples to apples. PTTAX takes on more credit/default risk then VTEB and FTABX. If the economy does wel...
by flyersrule
Tue Jul 25, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

It's important to keep an eye on SEC yield, but that's not the only thing to look at. For instance, high-yield (junk) bonds can produce an SEC Yield over 4%, however, you can reasonably expect to see a loss of principal over time. You'll wind up with something that is more volatile, almost like a s...
by flyersrule
Tue Jul 25, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

The 30-day SEC yield is the best indicator of the current yield on a fund. That's currently 2.23% for FTABX. If interest rates stay the same, that's generally what you can expect to receive on a yearly basis. If interest rates go up, by 0.25, then two things will happen: 1. The SEC Yield will go up...
by flyersrule
Tue Jul 25, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Also how do I calculate return on bonds? Do I look To avg return or yields? In my tax bracket what would the following be. I'm in Pennsylvania so not sure state tax but am 28% federal. I see some show TTM and others 12 months. Do I calculate by deducting the ER then multiplying by tax bracket? For i...
by flyersrule
Mon Jul 24, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

That could be another reason to use municipal bonds then. If you feel more comfortable having access to the funds in an emergency, then your muni bonds can serve as an extra reserve to your emergency fund. How do muni's in taxable serve as a reserve and are you thinking the VTEB / FTABX combo. If I...
by flyersrule
Mon Jul 24, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Yes, but for option 1, you have to consider that adding cash will adjust your allocation, so you'll end up with something that looks like this: Taxable $150,581 - FSTVX $89,985 - FTIPX Roth $23,143 - FSITX 401k $89,000 - PTTAX 209,056 - BSPIX For Option 2, you'll need to add a lot of cash, so it wo...
by flyersrule
Mon Jul 24, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

OK, so what might be throwing me off is not knowing how much you are going to be moving from cash. It makes it hard to calculate 20% when the total is changing (20% of what?). How much total, are you contributing from cash? Just enough to bring your bond and international up to their desired level?...
by flyersrule
Mon Jul 24, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

I see. So you need to pick up some International as well in order to maintain your asset allocation. Two questions: 1. What International options do you have in your 401k? 2. How recent was your FSTVX purchase in taxable? Are you showing a large capital gain? This might render the bond placement so...
by flyersrule
Mon Jul 24, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Where would the 73k be coming from? Do you have it sitting in cash right now? If you sell FSTVX or FTIPX to buy muni bonds, then you'd have to pay capital gains taxes on it. Probably wouldn't be worth it. I would be only selling FSTVX in my Roth and moving that to FSITX. $73K in Cash sitting on sid...
by flyersrule
Mon Jul 24, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Why are you moving into FSITX? (ETA: oh, to reset your AA?) I recently moved my stock allocation to 70% FSTVX, 10% FTIPX and 20% FSEVX. I also moved taxable FLTMX to FTABX. We have surprisingly similar looking accounts. Because I have room in my roth to move the funds from FSTVX to FSITX. Then the ...
by flyersrule
Mon Jul 24, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

If you feel it's easier to just go with PTTAX, that's probably fine. Going with a muni bond fund like FTABX or VTEB has some advantages as well. The SEC yield on VTEB is 1.92%, PTTAX has a yield of 2.13%. Before expenses, that would be 2.01% for VTEB, and 2.98% for PTTAX. They have to be taking add...
by flyersrule
Mon Jul 24, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Municipal Bonds and Municipal Bond funds, including FSTFX are generally tax exempt. However, some types of bonds, such as Private Activity bonds, are subject to AMT. FTABX includes funds that are exempt from federal income tax, including AMT. Fidelity's other municipal bond funds include funds that...
by flyersrule
Mon Jul 24, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Re: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Short vs. Intermediate vs. Long term bonds all take on progressively more interest rate (term) risk. If interest rates rise, your long term bonds will drop more in value than short term bonds. If interest rates drop, your long term bonds will raise more in value. In return for this higher volatilit...
by flyersrule
Mon Jul 24, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?
Replies: 35
Views: 1520

Fidelity Taxable - Tax Exempt Bond Options? Short or Mid Term?

Can someone explain why someone would want short vs intermediate vs long term bonds in a taxable account? Basically my 401k only has a Bond Fund PTTAX with .86 ER. Because of this I have decided to just shift all 401k funds into the S&P Index fund (0.11) This means I need to pick up bonds in my ...
by flyersrule
Sat Jul 22, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

I think I might do all BSPIX in my 401k, move my whole IRA to FSITX and redeploy capitol to bonds in my Taxable to even it out to 20%. That means having about 80k of bonds in taxable.

What would be a good one to use from fidelity

Saw FTABX http://www.morningstar.com/funds/XNAS/FTABX/quote.html
by flyersrule
Thu Jul 20, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

CRAP....Strike my last post. I just realized I have PTTAX in my 401K not PTTRX. That changes everything as PTTAX has a ER of .086. Doesnt seem like I have any good Bond funds so I need to change my whole strategy now.
by flyersrule
Thu Jul 20, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

I just shifted SLMCX to PTTRX so I should be close to my 20% Bond goal in my 80/20 portfolio. Now I am wondering if I should increase allocation of International funds. I see a few places say International should be around 20% of equities. Is that 20% of Total Portfolio or 20% of just equities (16% ...
by flyersrule
Wed Jul 19, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Real Time Spreadsheet for Allocation %?
Replies: 14
Views: 610

Re: Simple Real Time Spreadsheet for Allocation %?

JVL wrote:Here's a free investment tracking spreadsheet that may be helpful:

http://www.doughroller.net/investing/an ... readsheet/

Christopher


This thing is great!

Thanks!
by flyersrule
Wed Jul 19, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Real Time Spreadsheet for Allocation %?
Replies: 14
Views: 610

Re: Simple Real Time Spreadsheet for Allocation %?

Have you tried Personalcapital? You give them your log in credentials (sometimes with an additional security factor), they keep track of your balances in real time. It includes an asset allocation visualization. It might have some problems with all-in-one or mixed-asset funds, but if you have a thr...
by flyersrule
Wed Jul 19, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Simple Real Time Spreadsheet for Allocation %?
Replies: 14
Views: 610

Re: Simple Real Time Spreadsheet for Allocation %?

Here is what I am trying to input so % allocation then track it every few weeks. Cash $233K Fidelity Taxable $150,581 - FSTVX (https://fundresearch.fidelity.com/mutual-funds/summary/315911800?type=o-NavBar) $30,432 - FTIPX - (https://fundresearch.fidelity.com/mutual-funds/summary/31635V653?type=o-Na...
by flyersrule
Wed Jul 19, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Simple Real Time Spreadsheet for Allocation %?
Replies: 14
Views: 610

Re: Simple Real Time Spreadsheet for Allocation %?

Google Sheets has this built in. Just type in =GOOGLEFINANCE(AAPL,"price") into a cell to get the 20-minute delayed price of Apple for example. I've found the problem of this approach is that you have to keep manually updating your share counts if you're like me and buying stuff weekly. I...
by flyersrule
Wed Jul 19, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Simple Real Time Spreadsheet for Allocation %?
Replies: 14
Views: 610

Simple Real Time Spreadsheet for Allocation %?

Is there a simple spreadsheet I could download somewhere that can track my simple pseudo 3 fund asset allocation? I would like to be able to just plug in my funds tickers across my IRA, 401K and Taxable and have it spit out numbers daily to show simply my Bond vs Stock (Intl vs US) %. This this will...
by flyersrule
Mon Jul 17, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Re: Updated Portfolio Advice Needed (401k / Fidelity) 34

Pttrx is 0.46% ER so might make sense to just load up bonds on my 401k I know SLMCX has a bad ER ratio but in the last 7 years owning it, the gains have far outweighed the expense. It's near it's all time high so I might cash in and move that to bonds now. YTD (Daily)* +24.57% Average Annual Returns...
by flyersrule
Mon Jul 17, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Re: Updated Portfolio Advice (401k / Fidelity)

On a side note, what vehicles should I look into for tax advantaged accounts for a new born? Also are there any accounts in can setup for nanny care that be be used tax free?
by flyersrule
Thu Jul 13, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio Advice Needed (401k / Fidelity) 34
Replies: 6
Views: 725

Updated Portfolio Advice Needed (401k / Fidelity) 34

Just updated my allocations the last few weeks after making a few tweaks based on suggestions here in May. Any further suggestions would be great. I tried getting a little more international exposure recently with FTIPX. I guess as validation how am I doing thus far? I am 34 and Max my 401K every ye...
by flyersrule
Thu Jul 06, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: FSTVX (TSM) Non Qualified div/cap gain vs VTSAX?
Replies: 3
Views: 368

Re: FSTVX (TSM) Non Qualified div/cap gain vs VTSAX?

The fidelity fund page has some info: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911800 This computes to about .59% in cap gains distributions over the trailing 12 months. It's unclear how much of that was LT/ST. Unfortunately Vanguard and iShares are the only two fund famili...
by flyersrule
Wed Jul 05, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX (TSM) Non Qualified div/cap gain vs VTSAX?
Replies: 3
Views: 368

FSTVX (TSM) Non Qualified div/cap gain vs VTSAX?

Does Fidelity FSTVX (TSM) have a lot of non qualified div and cap gains vs something like VTSAX?

I was reading about how in 2016 FSTVX threw off a lot of non qualified dividends and cap gains. I have been contributing for some times to FSTVX in my taxable account
by flyersrule
Thu May 25, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Index's Holding Cash? Why?
Replies: 7
Views: 936

Re: Index's Holding Cash? Why?

Someone in another thread mentioned the following. 1. They are holding cash in case the market crashes. In that case they will use the cash to buy in cheap at the bottom and make up for losses/ come out on top in the end. 2. Negative cash means they are using margin. Means they are borrowing money t...
by flyersrule
Thu May 25, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Index's Holding Cash? Why?
Replies: 7
Views: 936

Re: Index's Holding Cash? Why?

GLState wrote:It looks like PTTRX is shorting cash and bonds they don't like to buy more bonds that they do like. Personal capital must just be showing net...Morningstar shows short and long positions.
http://beta.morningstar.com/funds/xnas/pttrx/quote.html


Awesome. Thanks!
by flyersrule
Thu May 25, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Index's Holding Cash? Why?
Replies: 7
Views: 936

Re: Index's Holding Cash? Why?

Interesting. I feel like the PTTRX one has been showing for a few days.
by flyersrule
Thu May 25, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Index's Holding Cash? Why?
Replies: 7
Views: 936

Index's Holding Cash? Why?

When I look at my investments in Index funds, I see that they all hold cash. Can anyone explain why? Two that stand out are the following whe using "personal capitol" 1. Fidelity Total Intl Index - Purchased $20K this week ($3,591 showing held in cash) 2. PTTRX - Own $31K (Negative $11,924...
by flyersrule
Tue May 23, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Re: Portfolio Tweak Advice & International Exposure

No HDCP. Had one the last two years with HSA but upgraded plan this year as the HDCP deductable was thru the roof and we wanted to have a child. Worked out as my wife now is pregnant Congratulations on the imminent baby :) . Thanks. Previously you asked these questions and I didnt respond. Accounts...
by flyersrule
Mon May 22, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Re: Portfolio Tweak Advice & International Exposure

No HDCP. Had one the last two years with HSA but upgraded plan this year as the HDCP deductable was thru the roof and we wanted to have a child. Worked out as my wife now is pregnant
by flyersrule
Sun May 21, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Re: Portfolio Tweak Advice & International Exposure

Congratulations on new baby on the way :) would like to be 75/25 or 80/20 maybe even 85/15 stock to bonds. What's a recommendation for US vs Intl equity? I have a long horizon before retirement How am I looking thus far??? In my opinion an asset allocation of 80/20 or 80/25 is within the range of w...
by flyersrule
Thu May 18, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Re: Portfolio Tweak Advice & International Exposure

would like to be 75/25 or 80/20 maybe even 85/15 stock to bonds. What's a recommendation for US vs Intl equity? I have a long horizon before retirement How am I looking thus far??? In my opinion an asset allocation of 80/20 or 80/25 is within the range of what is reasonable at age 34. I suggest aro...
by flyersrule
Thu May 18, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Re: Portfolio Tweak Advice & International Exposure

What is your desired stock/bond allocation, and your desired domestic/international stock allocation? I suggest using some of your cash to buy some Fidelity Total International Index Fund Premium Class (FTIPX) ER 0.11% in your taxable account. It's the more diversified of the two Fidelity internati...
by flyersrule
Wed May 17, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tweak Advice & International Exposure
Replies: 10
Views: 993

Portfolio Tweak Advice & International Exposure

I have been doing pretty well the last 7+ years in my portfolio but think its times to really start locking things down a little tighter for the next 20-30 years. I am 34 and Max my 401K every year (9+) and also have been doing a backdoor Roth the past 3 years. Own a home with low mortgage rate. Not...
by flyersrule
Mon Mar 27, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 947370

Re: U.S. stocks in freefall

Uncle Pennybags wrote:
fantasytensai wrote:
Uncle Pennybags wrote:I knew it; I felt it in my bones........sell,sell,sell....NOW. :oops:


Can't tell if serious.
I rode the 10% up and will ride the 8% down; good thing I never look. :D



Good thing you never look because its down over 5% this morning....














....Made you look!
by flyersrule
Fri Mar 10, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: 401K vs Roth 401K vs Backdoor Roth?
Replies: 2
Views: 244

Re: 401K vs Roth 401K

401k plans are now offering such that: 1. contributions can be directed to pre-tax account (regular/traditional 401k) - withdrawals (including earnings) will be taxed at ordinary income rates 2. contributions can be directed to a Roth 401k account - contributions are after tax, withdrawals (includi...
by flyersrule
Fri Mar 10, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: 401K vs Roth 401K vs Backdoor Roth?
Replies: 2
Views: 244

401K vs Roth 401K vs Backdoor Roth?

I currently have a company matched 401k which I have maxed out for the past 8 years. Currently 35yrs old. Today I logged into my ADP portal to check out contributions and see an option for Roth 401K was added. I am not sure what this is? I have a backdoor Roth which I have maxed the past 3 years in ...
by flyersrule
Thu Jan 26, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Sector Funds vs Total Market?
Replies: 11
Views: 995

Re: Thoughts on Sector Funds vs Total Market?

We have only small Roths but want to hold "growthy" assets in them, not bonds. Have held REITs there for years, which works pretty well. I would only pick funds for Roth that you want to hold forever, and fit into your AA. There isn't an opportunity to tax-loss harvest in a Roth so specul...
by flyersrule
Thu Jan 26, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Sector Funds vs Total Market?
Replies: 11
Views: 995

Thoughts on Sector Funds vs Total Market?

I consistently have been contributing 401K funds for 9 yrs to a fund that tracks the S&P 500 (BSPIX) + have some $$ in (PTTRX) I am also making consistent contributions to Fidelity Total Market (FSTVX) in taxable account. My Current Allocations are about 85% Stock / 15% bonds across my accounts....
by flyersrule
Mon Jan 16, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question + Tax Advantaged Options?
Replies: 11
Views: 466

Re: Backdoor Roth Question + Tax Advantaged Options?

Any other Tax Advantages places to stick money? You might consider I Bonds. They have tax advantages for 30 years. Information in the Wiki (link upper right). For I Bonds I see the clause below and a max of 10K yr in purchases. The composite rate for I bonds issued from November 1, 2016, through Ap...
by flyersrule
Mon Jan 16, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question + Tax Advantaged Options?
Replies: 11
Views: 466

Re: Backdoor Roth Question + Tax Advantaged Options?

If you move the TIRA to a Roth, you will have to pay taxes on any growth in excess of your contributions. So, if your 16.5K has grown to 17K, you will have to pay tax on the $500 gain. However, once in the Roth, all growth becomes tax free. That is the advantage. Similarly, if you make a 5.5K after...
by flyersrule
Mon Jan 16, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question + Tax Advantaged Options?
Replies: 11
Views: 466

Re: Backdoor Roth Question + Tax Advantaged Options?

If you move the TIRA to a Roth, you will have to pay taxes on any growth in excess of your contributions. So, if your 16.5K has grown to 17K, you will have to pay tax on the $500 gain. However, once in the Roth, all growth becomes tax free. That is the advantage. Similarly, if you make a 5.5K after...
by flyersrule
Mon Jan 16, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question + Tax Advantaged Options?
Replies: 11
Views: 466

Backdoor Roth Question + Tax Advantaged Options?

I am 34 in the 33% Tax Bracket and looking for other tax advantaged avenues I can take part in.... I currently have a 401K which I have maxed for about 9 years now that contains mostly a Total Market Fund that tracks S&P. A small portion is allocated to bonds. In addition I have a taxable accoun...
by flyersrule
Wed Nov 09, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 947370

Re: U.S. stocks in freefall

Miakis wrote:I love this thread. Every time my husband is worried about the stock market, I say, "Let's go see if the Bogleheads have bumped the Freefall thread." And there it is. Calms him down every time.


I say the same thing to my wife. So funny.

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