Search found 55 matches

by InvestVS
Tue Jul 09, 2019 1:19 am
Forum: Personal Investments
Topic: Using Bond or Cash for short term cash
Replies: 11
Views: 856

Re: Using Bond or Cash for short term cash

VTEB, VMLUX, VWIUX in Taxable and BND in Tax Deferred account
by InvestVS
Tue Jul 09, 2019 12:55 am
Forum: Personal Investments
Topic: Using Bond or Cash for short term cash
Replies: 11
Views: 856

Using Bond or Cash for short term cash

My age is 45 and my current and targeted AA is 80/20. I live in CA and I am in the high tax bracket (37% + 9%). As there may be some downturn coming in the market or real estate in the next 1-2 years, I am planning to make it 70/30 (Mr. Bogle also advised increasing Bond allocation for the next coup...
by InvestVS
Mon Jul 08, 2019 1:02 am
Forum: Personal Investments
Topic: Where to invest new cash at this time of all time high market
Replies: 24
Views: 2781

Where to invest new cash at this time of all time high market

I just received around 250K due to a stock vesting and not sure if this is the right time to put that money in the market as the market is so high. I got it, this is timing the market but the market seems very very high based upon recent news. My asset allocation for my current assets is 70 Stock an...
by InvestVS
Sun May 05, 2019 4:14 pm
Forum: Personal Investments
Topic: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment
Replies: 10
Views: 2158

Re: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment

Thanks for the reply, Mako52! Two Tech Stocks Risks: Yes, I agree that I have too much in two tech stocks and carry risk there. Challenge is I will pay capital gain if I sell some of those now. Some of those capital gains will become long term capital gain to reduce some of my exposure to those two ...
by InvestVS
Tue Apr 30, 2019 2:00 am
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 10127

Re: Schwab article in WSJ today

[moved this post and a reply into the existing topic - moderator prudent] For those that don’t have access, the jist of the article is the relentless pursuit of Schwab to lower costs and then other companies are forced to follow. I would be curious to here comments from Bogleheads that use Schwab. ...
by InvestVS
Mon Apr 29, 2019 9:01 pm
Forum: Personal Investments
Topic: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment
Replies: 10
Views: 2158

45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment

Hi, we have been spending a lot of time in Bogleheads lately; thanks for creating such a wonderful community. We are looking at getting the investment & planning advice from this community. Emergency funds : Yes, for 6 Months expenses Debt : 1. Home Loan $940K, Interest rate 2.875%, 7 Years ARM, 2.8...
by InvestVS
Wed Jan 09, 2019 12:18 am
Forum: Personal Investments
Topic: Superfund or not 529
Replies: 8
Views: 946

Re: Superfund or not 529

Thanks everyone for the responses! Few more related question: I am planning to send my kids to CA UC colleges (if they can get admission) and fees for them is 30-35K per year. Based upon my kids ages, how much I should superfund them in today's market? I have cash reserve of 75K for each of them to ...
by InvestVS
Mon Jan 07, 2019 5:08 pm
Forum: Personal Investments
Topic: VMFXX vs VCTXX for short term funds
Replies: 7
Views: 1003

Re: VMFXX vs VCTXX for short term funds

Thanks everyone for the responses!

These all money Market funds from Vangaurd are confusing, is there any calculator/site which can help you choose one of them based upon your tax bracket, state etc?
by InvestVS
Mon Jan 07, 2019 2:10 am
Forum: Personal Investments
Topic: VMFXX vs VCTXX for short term funds
Replies: 7
Views: 1003

VMFXX vs VCTXX for short term funds

CA resident with highest level federal and CA tax brackets. Current have money (6 figure) in Ally 11 month flexible CD at 2.30% but want to move to a Money Market Fund as rates are increasing. Vangaurd Personal Advisory service guy suggested VMFXX even though its return is taxed at CA? Could not fou...
by InvestVS
Mon Jan 07, 2019 1:19 am
Forum: Personal Investments
Topic: Superfund or not 529
Replies: 8
Views: 946

Superfund or not 529

I have two kids, kid1 14 years old and started high school this year, kid2 in 4 th grade. I do not have 529 account for them right now and I live in California so can choose any 529 account as there are no state tax benefits. I called Vangaurd and they told me if I superfund (they were calling it fu...
by InvestVS
Mon Dec 31, 2018 3:12 pm
Forum: Personal Investments
Topic: Best partner ETFs for TLH on INCO?
Replies: 1
Views: 138

Best partner ETFs for TLH on INCO?

Bought INCO at the beginning on this year and it is down, what other ETF can be used to fo TLH on this?
by InvestVS
Mon Dec 31, 2018 3:10 pm
Forum: Personal Investments
Topic: Best partner ETFs for TLH on VOO
Replies: 10
Views: 400

Re: Best partner ETFs for TLH on VOO

What about them? Why are you drawn to them? Why were you investing in VOO in the first place? I invested in VOO at the beginning of 2018 and it went down. So looking to do TLH on this. Are you suggesting VTI will be close enough to VOO so that in case S&P 500 rally sometime in future, VTI will also...
by InvestVS
Mon Dec 31, 2018 3:03 pm
Forum: Personal Investments
Topic: Best partner ETFs for TLH on VOO
Replies: 10
Views: 400

Re: Best partner ETFs for TLH on VOO

What about IVV and SPY? Are they too identical for triggering a wash sales?
by InvestVS
Mon Dec 31, 2018 2:55 pm
Forum: Personal Investments
Topic: Best partner ETFs for TLH on VOO
Replies: 10
Views: 400

Best partner ETFs for TLH on VOO

I have a loss in VOO this year and want to take TLH on this today. What other best ETF do you guys advise to do TLH on VOO?
by InvestVS
Mon Oct 29, 2018 10:17 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

Planning to sell VWO tomorrow morning and then need to decide if I buy VXUS or IEMG. Based upon my holdings, I will be buying $92K worth of IEMG; how much extra dividend Tax I will be paying if I do not keep it for 61 days? You'll have to see what the actual dividend is, but last year, the December...
by InvestVS
Mon Oct 29, 2018 12:33 am
Forum: Personal Investments
Topic: Tax Loss Harvesting strategy Advise on how not to use Short Term Loss to offset Long Term Gain
Replies: 5
Views: 1130

Re: Tax Loss Harvesting strategy Advise on how not to use Short Term Loss to offset Long Term Gain

Is it possible to not use all my remaining short-term loss ($18000) to offset my long-term gain, but use some part of it ($3000) to reduce my ordinary taxable income this year to squeeze some more tax savings? Nope, once you realize all the ST losses, they will offset ST gains first, then LT gains,...
by InvestVS
Sun Oct 28, 2018 10:13 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

If you move VWO to SCHE, you have paid 80% of the VWO dividend in 2018, and you will pay 100% of the SCHE dividend in December. Total ~180% If you move VWO to IEMG, you have paid 80% of the VWO dividend, and you will pay ~73% of the annual IEMG dividend in December. Total ~153% I don't think there'...
by InvestVS
Sat Oct 27, 2018 7:23 pm
Forum: Personal Investments
Topic: Recommendations for fee only Investment advisors/planner for in Silicon Valley
Replies: 6
Views: 670

Recommendations for fee only Investment advisors/planner for in Silicon Valley

Need help with my investment planning and retirement planning. Most of the big company providers either want a high % (1%) or does not look holistically at all your accounts for tax efficient AA.
by InvestVS
Sat Oct 27, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 842

Re: Vangaurd Personal Advisory Services - Do they provide Tax efficient AA and TLH advise based on outside accounts?

I have used Allan Roth (CPA and CFP) from http://daretobedull.com/ who is a fee only adviser to review my portfolios (at Vanguard and other outside institutions) in the past and was pleased with his suggestions. He will work within parameters you and he decide upon, will review everything, and put ...
by InvestVS
Sat Oct 27, 2018 7:01 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days ...
by InvestVS
Sat Oct 27, 2018 6:43 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days ...
by InvestVS
Sat Oct 27, 2018 6:38 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the response! I thought TLH will be executed simple based upon what I read on this website forums. Look like there are many things to take care of - * Avoid Wash sales * Which funds to use for TLH * Study ow short-term loss will be offset by short-term gain, Long-term gain and $3000...
by InvestVS
Sat Oct 27, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 842

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

Does any recommend any other company/broker/Fee-only advisor who ca holistically look at all accounts and then suggest a tax-efficient AA for all accounts? Especially the service which does not want to sell everything existing in your accounts (like Personal Capital does), but suggest a time-based s...
by InvestVS
Sat Oct 27, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: TLH -> Non-qualified Dividend
Replies: 18
Views: 1464

Re: TLH -> Non-qualified Dividend

Now I got it, thanks!
by InvestVS
Sat Oct 27, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: TLH -> Non-qualified Dividend
Replies: 18
Views: 1464

Re: TLH -> Non-qualified Dividend

Need small clarification - Does dividend become non-qualified because of someone selling the ETF before keeping it for 61 days, no matter when is the dividend paid? OR Does dividend become non-qualified because of someone did not keep the ETF with them for 61 days before the dividend was paid? For ...
by InvestVS
Sat Oct 27, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: TLH -> Non-qualified Dividend
Replies: 18
Views: 1464

Re: TLH -> Non-qualified Dividend

Need small clarification - Does dividend become non-qualified because of someone selling the ETF before keeping it for 61 days, no matter when is the dividend paid? OR Does dividend become non-qualified because of someone did not keep the ETF with them for 61 days before the dividend was paid? For E...
by InvestVS
Sat Oct 27, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 842

Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?

I am exploring to use Vangaurd Personal Advisory Services to manage my investment and when I talk to one person on phone from their advisor group; he mentioned he will be managing the funds only available in my Vangaurd Personal Advisory Services account; which is fair. However, his statement surpri...
by InvestVS
Sat Oct 27, 2018 12:38 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

OR One option is to TLH with VXUS as the dividend for that also is paid quarterly. What do you advise for that?
by InvestVS
Sat Oct 27, 2018 12:26 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days a...
by InvestVS
Sat Oct 27, 2018 12:25 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

[Merged into here from: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide" --admin LadyGeek] Great and very timely forum, thanks for sharing! I have similar questions for my situation and a generic question related to that situation - Current situation of my portfolio *...
by InvestVS
Sat Oct 27, 2018 11:04 am
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Re: Help with Tax Loss Harvesting for VWO

31 days might seem like a long time, but the alternative is holding on to a 2nd choice MF/ETF for decades. Might not be a big deal if you have two partners you prefer more or less equally. What I would do is exchange it to the ETF SCHE. Here's the twist though. Don't do it until after the dividend ...
by InvestVS
Fri Oct 26, 2018 4:12 pm
Forum: Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 25
Views: 1882

Re: Best tool/way to manage the a portfolio of multiple accounts

I walked away from pre-built tools a few years ago, fed up with their limitations. I've created and refined an Excel workbook to track my investments and plan AA. I've never shared it with anyone, so I don't know how understandable it is, but I just made a copy and scrubbed my personal information,...
by InvestVS
Fri Oct 26, 2018 2:33 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting strategy Advise on how not to use Short Term Loss to offset Long Term Gain
Replies: 5
Views: 1130

Tax Loss Harvesting strategy Advise on how not to use Short Term Loss to offset Long Term Gain

Current situation of my portfolio * I am in the highest tax bracket (37% Federal and 11% state) * 2018 Short-Term Loss = $40000 (VWO - $26000 Loss, VEA - $1000 Loss, VWO - $4000 Loss and FB - $8700 Loss) * 2018 Short-Term Gain (Realised) = $22000 (INTU) * 2018 Long-Term Gain (Realised) = $21000 (INT...
by InvestVS
Thu Oct 25, 2018 6:48 pm
Forum: Personal Investments
Topic: TLH for Facebook, ideas?
Replies: 5
Views: 370

TLH for Facebook, ideas?

I brought Facebook couple of months back when it went down due to privacy issue. However recently it’s been going further downs I have almost $7000 loss on that. More I am learning from this site, more I am bringing my portfolio to simple 3-4 funds based portfolio. So based upon that I am thinking I...
by InvestVS
Tue Oct 23, 2018 11:55 pm
Forum: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1814

Help with Tax Loss Harvesting for VWO

* In my portfolio, I have around 20% loss ($22000) this year in VWO with the current value around $94000. * I am in the highest tax bracket (37% Federal and 11% state) * This year sold some of my companies RSU and have realized a gain of around $45000. * I have SSgA Global All Cap Equity ex-US Index...
by InvestVS
Tue Oct 09, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Kid already in 9th grade, too late to start 529?
Replies: 14
Views: 1813

Kid already in 9th grade, too late to start 529?

My kid is in 9th grade, is it too late to start his 529? I do have 150K saved for his education but money is in CD currently paying only 2.1%. I have another kid too who is in 4th grade I am thinking of starting 529 for him through Vanguard as 2.1% before tax is not very good return (I am in 37% tax...
by InvestVS
Tue Oct 09, 2018 5:35 pm
Forum: Personal Investments
Topic: Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)
Replies: 5
Views: 776

Re: Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)

Thanks everyone for the replies, it’s very useful! Is Vanguard California Municipal Money Market Fund (VCTXX) a good option as it is Federal and CA Tax exempt. Will my AMT have some impact on its return or create some tax implications? What are options to increase the risk little and get a better re...
by InvestVS
Tue Oct 09, 2018 1:39 am
Forum: Personal Investments
Topic: Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)
Replies: 5
Views: 776

Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)

I live in CA and fall in highest tax bracket (39.6% Federal Marginal and 11.3 CA State Marginal), along with this I was subjected to AMT also in 2017. I have around 250K which I want to keep liquid so that if the real estate market goes down then I can buy some investment property with it. Till now ...
by InvestVS
Tue Oct 09, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Options for Medical Care for aging parents in US on green card
Replies: 6
Views: 608

Re: Options for Medical Care for aging parents in US on green card

Does this mean they will not be eligible for MediCAL (which is Medicare program on California, where I live)? What are the options for the first 5 years then?
by InvestVS
Tue Oct 09, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Options for Medical Care for aging parents in US on green card
Replies: 6
Views: 608

Options for Medical Care for aging parents in US on green card

My parents are not US citizen and I am planning to bring them to US on the green card. They are not very fit (been through angioplasty before due to artery blockage) and may need urgent medical care here in US. My assumption was that as they are both 65+, they will be eligible for MediCAL. However, ...
by InvestVS
Fri Sep 28, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Schwab Equity Rating vs MorningStar Ratings vs others...
Replies: 3
Views: 442

Schwab Equity Rating vs MorningStar Ratings vs others...

How accurate and good are these ratings? Most of the time they all do not agree with each other? Do you trust and use these ratings to buy some of the equities. For Example: For Intuit, Schwab Equity Rating is A, it's in top 6-7 percentile and strong buy while other ratining have it in middle and ha...
by InvestVS
Mon Sep 24, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Need advise to keep investment cost and advisor fee low
Replies: 12
Views: 1171

Re: Need advise to keep investment cost and advisor fee low

The alternative, opening a bunch of Edge accounts to get bonuses, but use PAS for investment advice may not work as intended. I have heard that PAS will only advise about funds they manage, not your accounts located elsewhere. I don't know whether that is true, but it had been stated such on bogleh...
by InvestVS
Mon Sep 17, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Need advise to keep investment cost and advisor fee low
Replies: 12
Views: 1171

Re: Need advise to keep investment cost and advisor fee low

I checked Merrill Edge & it appears that they give a $600 bonus if you transfer over $200k of assets to them; not over $200k of assets for each account. There is a $1000 offer going now, one of the "money show" specials. My advice would be to partner with an investment company based on services pro...
by InvestVS
Mon Sep 17, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: Need advise to keep investment cost and advisor fee low
Replies: 12
Views: 1171

Need advise to keep investment cost and advisor fee low

I have around 500K in eTrade Brokerage account and around 500K total in 2 eTrade Rollover IRA accounts (ME and wife). Along with this, also have around 400K+ in another brokerage account and cash. eTrade is OK but not providing any extra value with free trades or office visit advise as some of the o...
by InvestVS
Thu Sep 13, 2018 9:17 pm
Forum: Personal Investments
Topic: Best options for Cash to beat inflation (other than CD) for short term 1-3 years
Replies: 7
Views: 1137

Re: Best options for Cash to beat inflation (other than CD) for short term 1-3 years

If your time horizon is that short you really can't "beat inflation" as such. Sure, you can buy TIPS but they are bonds that can go down as well as up. Three-year TIPS are yielding 0.725%; if you hold to maturity, you won't lose principal by the end. (For that matter, CDs also change value as rates...
by InvestVS
Thu Sep 13, 2018 6:20 pm
Forum: Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 25
Views: 1882

Best tool/way to manage the a portfolio of multiple accounts

I am sure it is being asked many times before, I am having a hard time with Personal Capital which is screwing up some of my securities with their names so they show as Cash or non-classified. Also, it does not count the cash in your checking account/saving/CD accounts as cash% for your portfolio. A...
by InvestVS
Thu Sep 13, 2018 5:03 pm
Forum: Personal Investments
Topic: Best options for Cash to beat inflation (other than CD) for short term 1-3 years
Replies: 7
Views: 1137

Best options for Cash to beat inflation (other than CD) for short term 1-3 years

I have 11% of my portfolio in cash currently which I keep in cash with the thought of investing them into Real Estate (not my primary residence, I already have one) if the market goes down in near term (real estate market) as there are already some signs of cooling down in some areas. That cash is c...
by InvestVS
Thu Sep 13, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: CA Muni Bonds Recommendations
Replies: 6
Views: 1060

Re: CA Muni Bonds Recommendations

Thanks for the responses! Is based upon the knowledge that interest rates will be rising, it is still a good idea and time to invest some money in CA Muni Bonds or Muni Funds for diversification purpose or REITs will be better options. I have a high allocation in stocks and need to reduce that, I am...
by InvestVS
Thu Sep 13, 2018 2:00 am
Forum: Investing - Theory, News & General
Topic: CA Muni Bonds Recommendations
Replies: 6
Views: 1060

CA Muni Bonds Recommendations

Hi, I am not an experienced investor in Bonds and just own BNDX in my portfolio. How bond % allocation in my AA is low and I need to increase it. I live in California and my income tax is in highest rate so someone suggest me to buy CA Muni Bonds. As I have never purchased Bonds before, seeking advi...