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See FAQ (question 25) at SEC.gov Link: https://www.sec.gov/divisions/investment/13ffaq.htm Regards, Got it, thanks, so the deadline for this quarter is around these days. And in general, the deadline is around the middle of each quarter. I was asking because some hedge fund managers had 13F filings...

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For hedge fund management with AUM < 100MM, which are also required to file 13F quarterly, is there a common, fixed quarterly 13F filing deadline for all companies? Or each company has its own?

PS: I'm an avid 3-fund portfolio investor.

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First time (possibly) options trading here. I'm planning to sell covered calls in Merrill Edge, but I don't see an option to select specific shares (otherwise it may trigger short-term tax. Is there an option to select specific shares when selling covered calls? If not, should I move my LTCG shares ...

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Hi, I'm an avid 3-fund portfolio investor, and I do hold some individual stocks via company RSUs which have treated me well. (MSFT, AMZN) My 3-fund portfolio is split into 3 brokerages: 1) Vanguard: Taxable account + Roth IRA: ~550K 2) Fidelity: Tax-deferred (401K + Mega-backdoor Roth IRA) (no choic...

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I received an email from my bank that, due to inactivity, my credit card is scheduled to be closed. This is 1 of the 3 cards I have from the same bank (Bofa). I use the other 2 more, because they have cash back options in various categories. Hence, the 3rd card (with no such offers) is left unused. ...

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Hi, I'm an avid 3-fund portfolio investor (with some SCV tilt, and some tilt towards the RSUs of companies I worked at (MSFT, AMZN) which treated me fine so far.). I'm slowly decreasing my investment to individual stocks (by limit sells), but their value is also increasing, and their allocation in m...

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This is all doable. I am also in CA, similar NW, 36, and planning to leave corporate in the next 5-10 years, semi-retire, so that I can run my own businesses. Just a heads up, with the numbers you shared above, you can reach 2.5MM earlier than 45. Even with safe investing like 3-fund portfolio. The ...

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Brokerage firms are moving to allowing fractional shares: Fidelity has done it already, Vanguard will do it soon so that they are not behind competition. Other firms / apps did so long ago, e.g. M1Finance, Robinhood (which I don't use). My 3-fund portfolio is invested using index funds: Taxable acco...

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I have a PAL from Schwab in a similar situation. you can borrow up to 70% against your own portfolio for 3ish %. Even if it its a couple years while you get your ducks in a row its cheaper than most other options because its secured. Thanks, yes I confirm it will be cheaper, if I pay the interest o...

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This program might be of interest -- enables keeping investments in after tax brokerage account; up to 100% financing. https://mlaem.fs.ml.com/content/dam/ML/pdfs/ml_Finance-your-home-without-cash-downpayment.pdf Thanks, this is a good one, I will definitely check it out, because my RSUs (most of m...

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I would start by figuring out how you are going to handle those low cost basis RSU. That should be driving this conversation. Margin loans is going to have a lower impact. Yes, low-cost-basis RSUs are a problem, but they are mostly qualified for LTCG. Still, in CA, I'm taxed 15% (LTCG) + 11.3% (CA ...

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If you are making a home down payment, the bank may not accept it if the payment is made with borrowed funds. (And there are good reasons; what happens to your ability to pay the mortgage if the stock market drops and your margin loan gets called?) In addition, underwriting will be based on all you...

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You didn't identify the size of your portfolio or your asset allocation. If you are looking for cash you should look at your positions and determine where you can get the most cash the cheapest (tax cost). With mortgage rates at historic lows it would be hard to recommend to sell a bunch of stocks ...

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"Family friend" ... "only the management fee (1.75%)" ... Here is an excerpt from William Bernstein's short booklet, titled "If You Can: How Millennials Can get Rich Slowly" ( https://www.etf.com/docs/IfYouCan.pdf ), which you may find useful when making the decision: H...

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Hi, I'm an avid 3-fund portfolio investor, with: * ~ 66% of my portfolio in 3-fund portfolio with Small-cap-value tilt, * ~ 32% of my portfolio in individual company RSUs (AMZN, MSFT, a couple of other small-cap ones) * ~ 2% of my portfolio in cash reserve (online savings account, cash in bank, othe...

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I have a taxable Vanguard brokerage account that is getting closer to 500K, which is SIPC limits (account is all in 3-fund portfolio with small-cap-value fund tilt). I have other accounts in Vanguard (e.g. Roth IRA), but I'm particularly talking about this taxable brokerage account approaching 500K....

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Keep tax efficient funds in your taxable account. These are broad based index funds. For your small tilt look for tax managed funds. But, if you are in the 0% bracket taxes don't seem to be an issue. You want the highest after tax income and not the lowest tax. "You want the highest after tax ...

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I have to chuckle when I read someone say they want to "avoid making too much so they don't end up in a higher tax bracket". While I do my best to legally minimize the tax I pay, I smile every quarter when I write that tax check because it means I have done well... Much preferable to be i...

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If you want to lower dividends, invest in growth stocks, such as through Vanguard's growth indexes - Growth Index, Mid-Cap Growth Index, and/or Small-Cap Growth Index. But, then you would be taking the risk that growth will under-perform the market going forward. Vanguard's index funds have not pai...

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If you dont want income, put your money in a checking account or in a safety deposit box or buy physical gold. Those are all pretty foolish. If you want to invest in stocks and bonds you get some dividends and interest. An S&P 500 index fund only pays about $160k/year in dividends for every $10...

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OP, If you retire from your current job & then start a business, how can you still be considered retired? I was in business from age 26 to 66. Does that mean I was really retired for those 40 years? Lots of time & energy is required to be successful in business. Also, a business that doesn’...

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If you dont want income, put your money in a checking account or in a safety deposit box or buy physical gold. Those are all pretty foolish. If you want to invest in stocks and bonds you get some dividends and interest. An S&P 500 index fund only pays about $160k/year in dividends for every $10...

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After early retirement, are you targeting a 0% marginal tax from then on or just for a few years? If the latter, 0% may not be the best tax rate to target. You might be better off smoothing your rate for post-retirement years in order to maximize your after-tax income. Low income years may be an op...

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How are you going to pay business expenses with no income? I'm planning to use a couple of resources: 1) Funding from VCs, which is fully invested into business (no tax on individual, but tax on the business) 2) If I need it, I will use my short-term savings to take care of part of the business exp...

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If you want to lower dividends, invest in growth stocks, such as through Vanguard's growth indexes - Growth Index, Mid-Cap Growth Index, and/or Small-Cap Growth Index. But, then you would be taking the risk that growth will under-perform the market going forward. Vanguard's index funds have not pai...

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If you want to lower dividends, invest in growth stocks, such as through Vanguard's growth indexes - Growth Index, Mid-Cap Growth Index, and/or Small-Cap Growth Index. But, then you would be taking the risk that growth will under-perform the market going forward. Vanguard's index funds have not pai...

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If you want to lower dividends, invest in growth stocks, such as through Vanguard's growth indexes - Growth Index, Mid-Cap Growth Index, and/or Small-Cap Growth Index. But, then you would be taking the risk that growth will under-perform the market going forward. Vanguard's index funds have not pai...

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walkabout wrote: ↑Sun Nov 01, 2020 4:09 pm Just curious ... Assuming you could arrange to purchase on Mondays vs Fridays, what would the advantage be?

Not related to my question. But if you want to know, I want to invest on mondays (moving money around between cash, High Savings accounts, and taxable portfolio.)

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Hi, I'm an avid 3-fund portfolio investor (with some SCV tilt, and some tilt towards the RSUs of companies I worked at (MSFT, AMZN) which treated me fine so far.). I'm 36, and I'm looking to retire between 40-45, and then start running my own business. After this early retirement, I want to minimize...

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Hi, my company pays biweekly on fridays, and therefore my 401K investment from paycheck purchases index funds on fridays. I want to move this purchase date to monday. Is this possible, or is the 401K investment day tightly coupled with the pay day of my company, which happens to be a friday?

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Please read. I will not be working in corporate after retirement in ~10 years, but I will create my own businesses. So, I won't have W2 income, and I may have business income, which I can invest in the business and avoid taxes (Bezos style, or, you-know-who style). So, there is a chance that I can ...

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Interesting, this is good to know. Looks like 2025-2026 will be a good time to move from corporate W2 job to starting own businesses and making use of possible deductions (unless tax laws are overridden by then). Remember that your payroll taxes will increase from 7.65% W2 employee to 15.3% self-em...

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Interesting, this is good to know. Looks like 2025-2026 will be a good time to move from corporate W2 job to starting own businesses and making use of possible deductions (unless tax laws are overridden by then). Remember that your payroll taxes will increase from 7.65% W2 employee to 15.3% self-em...

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Interesting, this is good to know. Looks like 2025-2026 will be a good time to move from corporate W2 job to starting own businesses and making use of possible deductions (unless tax laws are overridden by then). Remember that your payroll taxes will increase from 7.65% W2 employee to 15.3% self-em...

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1) Federal tax : Checking these LTCG tax brackets https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates , 0-40K range gets taxed 0%, which jumps to 15% after 40K. I assume this number that is taxed is AGI, which is after standard deduction (I think 12K) plus itemized deductions. See Form...

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If you know tax rates will be in 10 years, wow! However, the 2017 tax law has rates returning to their previous levels before that. Yes, yes, I couldn't add every single caveat to my post, I'm well aware tax brackets do change. To be clearer, it Congress does nothing, tax rates will revert to pre-2...

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If you know tax rates will be in 10 years, wow! However, the 2017 tax law has rates returning to their previous levels before that. Yes, yes, I couldn't add every single caveat to my post, I'm well aware tax brackets do change. To be clearer, it Congress does nothing, tax rates will revert to pre-2...

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https://ofm.wa.gov/budget/state-budgets/gov-inslees-proposed-2019-21-budgets/proposed-2019-21-budget-and-policy-highlights/revenue-changes/9-percent-capital-gains-tax-individuals Someone posted about WA state having no state tax. The CG tax will be brought up again when the legislature meets in Jan...

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Play around with TurboTax. If you don't do your taxes now, buy the software anyway and reproduce your 2019 return. Then make changes to your various inputs to see how your taxes are affected. Just focusing on marginal rates, or worse yet, heuristics, will not yield for you the full impact of the ch...

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1) Federal tax : Checking these LTCG tax brackets https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates , 0-40K range gets taxed 0%, which jumps to 15% after 40K. I assume this number that is taxed is AGI, which is after standard deduction (I think 12K) plus itemized deductions. See Form...

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trueblueky wrote: ↑Thu Oct 15, 2020 8:09 am If you know tax rates will be in 10 years, wow!

However, the 2017 tax law has rates returning to their previous levels before that.

Yes, yes, I couldn't add every single caveat to my post, I'm well aware tax brackets do change.

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I'm a long-time 3-fund portfolio holder (with small-cap-value fund tilt). I'm 36, single, live in CA, I'm in high tax bracket (35% federal tax, 11.3% CA tax). (I'm in 15% LTCG tax bracket, but I may move to 20% LTCG tax bracket this year.) Thinking about around 10 years from now, where I plan to ret...

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Just to reinforce, bond mutual funds refer to the interest you get from the bonds held in the fund as dividends, but this is not to be confused with stock dividends. I'm curious why you don't also say that you are holding CA specific muni funds to avoid state income taxes, but maybe you are. A reas...

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I'm in a high tax bracket (35% federal, 11.3% CA state tax), and hence I only own muni bond funds in taxable accounts, to avoid federal taxes. What I'm not sure, though, is how I avoid federal taxes, do I avoid it in: 1) Selling event that triggers short-term capital gains, 2) Dividend distribution ...

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Thank you all for your answers. In summary, you are saying that the final tax cut from bonus and paycheck is the same. And witholding amount from bonus is 22%, and adjustment is made during tax returns. I'm in 35% tax bracket, I do increase my paycheck tax witholding using W-4 form. I guess in my ca...

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Are the tax deductions from bonus pay and regular salary the same? As far as i recall, bonus tax cut is higher, which is why people increase their 401K pre-tax contribution before bonus payout.

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You are probably already in the 20% Federal LTCG bracket. 12.3% CA tax bracket is reached at $573k taxable income MFJ. 20% LTCG Fed tax bracket is reached at $489k taxable income MFJ. Figures are for 2019 tax year. Your CA taxable income is usually lower than your Federal taxable income because CA ...

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I'm a resident of beloved state of California. A high income earner. Marginal tax rate is 35% (not the highest bracket, but the one below). (Corresponding LTCG tax rate is 15% .) My CA state tax bracket is 12.3% . (not the highest bracket, but the one below.) I avoid selling stocks (company RSUs, a...

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You are probably already in the 20% Federal LTCG bracket. 12.3% CA tax bracket is reached at $573k taxable income MFJ. 20% LTCG Fed tax bracket is reached at $489k taxable income MFJ. Figures are for 2019 tax year. Your CA taxable income is usually lower than your Federal taxable income because CA ...

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The best way to avoid this situation is to hold CA municipal bonds in your taxable account, and hold more stock in your IRA and 401(k). You pay much higher tax on stock dividends and capital gains than most investors do, but you pay no more tax on CA munis. Therefore, holding CA munis in taxable an...

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