Search found 63 matches

by aaja
Mon Oct 29, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Possible (small) future wash sale in 401k
Replies: 16
Views: 1377

Re: Possible (small) future wash sale in 401k

Not sure but it was livesoft. It seems to meet the spirit of the law to me. Why not take my other suggestion? Would like to avoid the tax complexity if I can. TLH to VLCAX right now will still incur the partial disallowed loss which I will need to account for. Ah I see, problem either way. Since th...
by aaja
Mon Oct 29, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Possible (small) future wash sale in 401k
Replies: 16
Views: 1377

Re: Possible (small) future wash sale in 401k

MotoTrojan wrote:
Mon Oct 29, 2018 12:19 pm
Not sure but it was livesoft. It seems to meet the spirit of the law to me. Why not take my other suggestion?
Would like to avoid the tax complexity if I can. TLH to VLCAX right now will still incur the partial disallowed loss which I will need to account for.
by aaja
Mon Oct 29, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Possible (small) future wash sale in 401k
Replies: 16
Views: 1377

Re: Possible (small) future wash sale in 401k

I recently asked if just selling those shares was legit and did this for a similar situation. While the consensus was it may not work that way, I was following the spirit of the law and didn't have any bad feelings. Are you talking aobut selling shares for option (1) as I asked ? Any thread you cou...
by aaja
Mon Oct 29, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Possible (small) future wash sale in 401k
Replies: 16
Views: 1377

Possible (small) future wash sale in 401k

I know the jury is still out on whether 401k counts for wash sales but to be cautious I include it for now. In light of the recent drops I TLH'ed VTSAX (total market) --> VFIAX (S&P 500) a couple of weeks ago. In a couple of weeks (31+ days from original sale) from now I plan to TLH all of it back (...
by aaja
Sat Oct 13, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Do 529 and DAF count for wash sales
Replies: 6
Views: 485

Do 529 and DAF count for wash sales

As stated in title. Just curious whether an investment into these accounts assuming they go into specific funds like us total market rather than age based funds would count against wash sales in my taxable accounts.

Thanks.
by aaja
Fri Oct 12, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 425

Re: Tax loss harvest IXUS into IEMG and IDEV

You could do that. Developed markets has a higher percentage of qualified dividends than emerging markets which supports splitting between taxable and tax deferred as you propose but you also lose the ability to tax loss harvest emerging markets if it goes into tax deferred. Emerging markets are ex...
by aaja
Fri Oct 12, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 425

Re: Tax loss harvest IXUS into IEMG and IDEV

One interesting thing is that at an 80/20 ratio the effective expense ratio is cheaper to hold as compared to only ixus. Something seems off. Any ideas why? What am I missing?

IDEV 0.05
IEMG 0.15
Effective ER at 80/20 is 0.07

IXUS 0.10
by aaja
Fri Oct 12, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 425

Re: Tax loss harvest IXUS into IEMG and IDEV

If you just want to tax loss harvest IXUS why not use VXUS? If you want to change your asset allocation to split between developed and emerging then I'd use IDEV/VEA and IEMG/VWO as TLH pairs. It seems like ixus/idev is more tax efficient as compared it vxus/iemg. My plan was to break it up and put...
by aaja
Fri Oct 12, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 425

Re: Tax loss harvest IXUS into IEMG and IDEV

jhfenton wrote:
Fri Oct 12, 2018 9:57 am
The ratio is about right and should accomplish what you want.

I like splitting developed and emerging markets anyway, since they perform differently. To me, they are not a single asset class in the way the U.S. stock market is.
Thank you.
by aaja
Thu Oct 11, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 425

Tax loss harvest IXUS into IEMG and IDEV

I have a bunch of IXUS (I shares total international) I would like to TLH. I plan on buying ishares developed (IDEV) and ishares emerging (IEMG) in a ratio of 80/20 to simulate IXUS. Wanted to check with the folks here on the ratio. Does it sound about right? I get different numbers from etf.com and...
by aaja
Thu Oct 11, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Do ITOT and FSTVX follow the same index ?
Replies: 3
Views: 543

Do ITOT and FSTVX follow the same index ?

ITOT (iShares Core S&P Total U.S. Stock Market ETF) follows TMI as index and FSTVX (Fidelity® Total Market Index Fund Premium Class) follows the DWCF index. I was not sure if they are the same or different. Asking for TLH since I had bought FSTVX in my ROTH earlier this month and wanted to avoid a p...
by aaja
Wed Oct 03, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Too heavy on S/M cap??
Replies: 10
Views: 714

Re: Too heavy on S/M cap??

I just did a 401k checkup yesterday. I noticed that my large cap portion was performing much better than my small/mid cap. I'm currently at 35% large cap, 15% small, 15% mid. Do you guys think that is too heavy on S/M cap? Crappy Principal doesn't have a "Total US Market" option so I can't utilize ...
by aaja
Fri Sep 14, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Need help about asset allocation
Replies: 8
Views: 725

Re: Need help about asset allocation

I would set your allocation and rebalance annually. Don't invest more in international just because it's down this year other than rebalancing to your set allocation. Write it down as your investment policy and stick to it. The Target Retirement Date Funds are a good guideline for glide path as you...
by aaja
Fri Sep 14, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 25
Views: 1710

Re: 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. ...
by aaja
Wed Aug 22, 2018 12:10 am
Forum: Investing - Help with Personal Investments
Topic: 529 Fees
Replies: 11
Views: 2931

Re: 529 Fees

CA is also pretty cheap for some (but not all) of their index options if you can stomach TIAA-CREF. Slice/dice individual funds: CA is cheapest for the individual 500 Index, Total Stock, Total Intl and Total Bond funds (they mirror TIAA-CREF's funds, which lag VG by 1-2 basis points per year). Also...
by aaja
Sun Aug 19, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Personal Capital shows FTIPX as containing 16% Cash
Replies: 9
Views: 968

Re: Personal Capital shows FTIPX as containing 16% Cash

Yeah that's what I thought. It sucks though cause it messes up the allocation chart by some.

Not a deal breaker but most certainly annoying l.
by aaja
Sat Aug 18, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital shows FTIPX as containing 16% Cash
Replies: 9
Views: 968

Personal Capital shows FTIPX as containing 16% Cash

I use Personal Capital to track my portfolio allocation and net worth and noticed this after my rebalancing when checking out my allocation. It shows that FTIPX (Fidelity total international index) contains almost 16% cash. I am guessing this is a bug on their side but was wondering if it could just...
by aaja
Fri Aug 17, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Any tool to help predict net worth in N years?
Replies: 11
Views: 1859

Re: Any tool to help predict net worth in N years?

https://www.edwardjones.com/preparing-f ... lator.html

Should be close to what you are looking for. No stock bind split but you can input your expected return.
by aaja
Sat Aug 11, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: which Fidelity funds to use for 3 fund portfolio?
Replies: 11
Views: 2341

Re: which Fidelity funds to use for 3 fund portfolio?

https://www.bogleheads.org/wiki/Fidelity

The link above has the fidelity funds listed for the well known vanguard equivalents.
by aaja
Fri Aug 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Re: Relative tax efficiency of total international funds

@triceratop, now with the lower ER for FTIPX (0.06), are you still of the opinion that IXUS is a better choice in a taxable account or do you think it is a close call now? Just curious as to how much the change in ER impacts the overall efficiency for the fund. My analysis wasn't really based on th...
by aaja
Fri Aug 10, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Re: Relative tax efficiency of total international funds

I expect FTIPX to be less tax efficient than either VXUS or IXUS in the future. In the past FTIPX has been more tax efficient than it should be on a forward-looking basis because ballooning assets as a newly-started fund has resulted in fund income being distributed among a broader pool of assets t...
by aaja
Sun Aug 05, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 8075

Would buy and hold work if Japan's lost decade happens?

I follow the bogleheads philosophy of buy and hold long term. The beauty is it takes the worrying about the day to day prices out of the picture, which I love. The market always goes up. I was reading about Japan's lost decade, and looking at its current stock market prices, it seems like the market...
by aaja
Sun Jul 29, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Taxable vs Tax free growth calculator
Replies: 4
Views: 732

Re: Taxable vs Tax free growth calculator

Thank you for the pointers. I am comfortable with spreadsheets so will play around with it and the one shared to calculate the data. If I can make it generic enough will also share it out with the forum.
by aaja
Fri Jul 27, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Taxable vs Tax free growth calculator
Replies: 4
Views: 732

Taxable vs Tax free growth calculator

Hello,

Is there a calculator available which can help compare the growth of a fund with dividends reinvested in both a taxable vs a tax free account (Roth).

Just curious at looking at this data.

Thanks.
by aaja
Mon Jul 23, 2018 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Re: Relative tax efficiency of total international funds

Thank you for the response.

Found an older post at viewtopic.php?t=2427470 with a similar discussion. Seems like it agrees that there is no real consensus.
by aaja
Mon Jul 23, 2018 1:19 am
Forum: Investing - Help with Personal Investments
Topic: VG NV 529(0.16%) vs Fid NH 529 (0.13%)
Replies: 4
Views: 604

Re: VG NV 529(0.16%) vs Fid NH 529 (0.13%)

Trying to decide between the two here myself and they seem neck to neck. Is there any thing else to look at other than ER and preference between fidelity and vanguard?

It looks like a coin flip to me so no point over analyzing right? Just pick one.
by aaja
Tue Jul 17, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Re: Relative tax efficiency of total international funds

I have a couple of related followup questions. If a new thread is better I can do that. 1. I TLH'ed VTIAX (Vang total intl) a couple of weeks ago and purchased VFWAX (FTSE All-World ex-US) as a partner. I now need to purchase some more international and wanted to confirm that FTIPX (Fidelity total i...
by aaja
Fri Jul 13, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting bond options in 401k
Replies: 5
Views: 515

Re: Help selecting bond options in 401k

Are there any fees for using the brokerage option? Often there are annual fees, or per transaction fees, and sometimes both. When making contributions every pay period, even small fees can add up to destroy the benefit of a lower expense ratio you might get using the brokerage option. No fees for m...
by aaja
Fri Jul 13, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting bond options in 401k
Replies: 5
Views: 515

Help selecting bond options in 401k

Hello, I use the 3 fund portfolio and keep all my bond allocation in my Fidelity 401k right now. I have brokerage link available and currently, have all my bonds in FSITX (Fidelity total bond - Premium). As an exercise, I would like to run my other options by the knowledgeable folks on this forum an...
by aaja
Sat Jul 07, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Re: Relative tax efficiency of total international funds

Thanks @tricerarop. Any tips or pointers on how to best optimize the placement given the numbers will vary from year to year. From what I gather based on current data from your spreadsheet, the best option for me seems to be 1. If between VXUS and VTI, place VXUS in roth (is 401k a good place for it...
by aaja
Fri Jul 06, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Relative tax efficiency of total international funds
Replies: 13
Views: 1623

Relative tax efficiency of total international funds

Hello there. I use the 3 fund portfolio and currently have my international funds (Vtiax - total international stock) placed in my taxable account based on the information at https://www.bogleheads.org/wiki/Tax-efficient_fund_placement. It is safe to assume I have space and availability for internat...
by aaja
Tue Jul 03, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Starting Bogle method with 300K (1 string attached)
Replies: 14
Views: 2232

Re: Starting Bogle method with 300K (1 string attached)

Wouldn't CD laddering have almost double the yield at this point over VMSXX?

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by aaja
Mon Jul 02, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?
Replies: 15
Views: 1711

Re: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?

You might get some sort of bonus or banking advantage at BOA or credit card offer. I think this is the story. I don't have Merrill Edge, but I do have something similar at WellsFargo. It makes all banking free free free for me. With enough in Merill Edge you can get into the platinum honors tier wh...
by aaja
Mon Jul 02, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle small reinvested dividends with TLH
Replies: 2
Views: 278

Re: How to handle small reinvested dividends with TLH

Could not find the post detailing how to handle it at tax time? Here it is: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Fortunately, you won't have a wash sale if you sell the shares bought with the reinvested dividends. So sell those shares, too. They probably will have a loss anyways,...
by aaja
Mon Jul 02, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: How to handle small reinvested dividends with TLH
Replies: 2
Views: 278

How to handle small reinvested dividends with TLH

I forgot to turn off reinvestment for my Vanguard total international index fund (VTIAX) and am planning to TLH a fee lots totaling about $2200 in losses. A small amount of about $200 worth of dividends were paid out last month. I have tried searching the forum and I understand that a small portion ...
by aaja
Thu Jun 21, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 30
Views: 2400

Re: Is a Donor Advised Fund worth it? (Strategy)

Like Hockey10 I put chunk into a DAF last year before tax law changed. A big advantage for me was the ability to donate anonymously. Before, if I donated say $300 to a charity, I was inundated with pleas to buy a charitable annuity. The fee deterred me for a time, but on balance I find it worth it....
by aaja
Tue Jun 12, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 113
Views: 21383

Re: Who uses the 3 fund portfolio ?

I have had the Three Fund Portfolio since 2006 when I unfortunately sold my last individual stock holding - AAPL - to be all in. At 50/50, I thought it would be a SWAN portfolio but the thought of what could have been with my AAPL shares sometimes keeps me up at night. This exact thought is the har...
by aaja
Tue Jun 12, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 113
Views: 21383

Re: Who uses the 3 fund portfolio ?

I'm on the 4-fund portfolio in my IRA, because I bought into the REIT index fund a long time ago, when they were the hot investment, and prefer to ride it out instead of selling. I don't plan on buying any more of it, so it should become more and more like a 3-fund portfolio as time goes on. I supp...
by aaja
Sat Jun 02, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying from Amazon stock - help!
Replies: 21
Views: 3112

Re: Diversifying from Amazon stock - help!

In a very similar situation and have been selling in chunks every few months. Not ideal but my personal preference. Please note the very first step is to ensure any new lots that vest need to be sold immediately. Another option I did not see on this thread is donor advised funds. This will save you ...
by aaja
Sun May 06, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2517

Re: Start 529 Plan?

One question here. Is your statement about tax benefits just about the Illinois benefits at time or contribution or also about distribution time? Assuming my kid goes to college aren't the distributions tax free saving me money on the earnings. Doesn't this make the 529 worth it? aaja, I am answeri...
by aaja
Sun May 06, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2517

Re: Start 529 Plan?

Good Evening - My wife and I are currently maxing out 401(k) plans and maxing out Backdoor Roth IRA. We have one child one another one the way (Due in July). We are currently contributing our excess funds to a brokerage account but we currently do not have a 529 plan setup. We contribute to a savin...
by aaja
Wed May 02, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

True. Some people do choose to live in a place where, sadly, the transportation infrastructure pretty much demands that they have a car. Which is all the more reason for them to have a sinking fund. Why arrange your life in such a way that a car is crucial, and then fail to have a plan to deal with...
by aaja
Wed May 02, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 5019

Re: How are you widow-proofing?

In the same boat but I don't want to simplify my investments any further. I plan to walk my wife through my investments and the Bogle head philosophy and record the session for her to view on demand when needed. I am currently preparing the content I plan to cover. I don't know if anyone has seen th...
by aaja
Tue May 01, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

Update to close on this: I am buying a used car and penfed rates were around 3.5 which was comparable to what the dealer offered hence did not research much down that path. When I got there the dealer offered a rate of 3.59 which I rejected and said will pay full cash. At that point, I could see the...
by aaja
Sat Apr 28, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Company has Fidelity...Is Brokeragelink good or bad?
Replies: 27
Views: 2239

Re: Company has Fidelity...Is Brokeragelink good or bad?

I have access to brokerage link as well at no extra cost. It helps me maintain my 3 fund portfolio since my 401k does not have any good low cost bond options.
by aaja
Sat Apr 28, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

phitchow wrote:
Sat Apr 28, 2018 6:59 am
Can the extended warranty be cancelled without a fee within the first 30-60 days?
Not a bad idea. Will ask about this.
by aaja
Sat Apr 28, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

I wouldn't only look at financing through the dealer. They don't always have the best rates. Last car I financed through penfed. That said, do make sure to get two quotes from the dealer. One with you paying cash (outside financing would fall here), one with you financing through them. Sometimes th...
by aaja
Sat Apr 28, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

You said you could replenish the money you would take out of your emergency fund in a year..Why not take the loan for a year while saving up all that money you would have used to replenish the fund and payoff the loan. If it’s a 10k loan it would only cost you $350 in interest. That way you wouldn’...
by aaja
Fri Apr 27, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3897

Re: Auto loan or dip into emergency fund?

longleaf wrote:
Fri Apr 27, 2018 10:14 pm

Perhaps planning ahead of time to be able to pay for a car in cash would have been prudent.
Agreed. The plan was to take a loan all along but then I found this forum and now I don't like debts :) but I also want my money to be working hard for me.