Search found 148 matches

by SarahS
Thu Apr 04, 2019 12:13 pm
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Re: Confused on how much I can contribute to an HSA this year

Beautiful, thank you spirit rider!
by SarahS
Thu Apr 04, 2019 11:06 am
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Re: Confused on how much I can contribute to an HSA this year

FSA coverage rules are quite complex, as are their effect on HSA eligibility. That is why I have put all the relevant posts together. Have you been covered by an FSA in 2019? Including a carryover amount from 2018? Yes, I had $250 of an FSA, of which $62.50 was contributed in Dec 2018 and covered i...
by SarahS
Thu Apr 04, 2019 1:01 am
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Re: Confused on how much I can contribute to an HSA this year

Bumping because I still don’t know the answer. :| I understand that in the absence of an FSA that I could do a full years $3,500 contribution if I stay in the plan thru next December (last month rule), but does the fact that I contributed some to an FSA this year impact how much I can put to HSA thi...
by SarahS
Wed Apr 03, 2019 5:56 pm
Forum: Personal Investments
Topic: Legislation pending that would increase RMD age to 72
Replies: 2
Views: 651

Legislation pending that would increase RMD age to 72

Off the cuff, I’m interested to hear how this could play into strategy tweaks with folks planning, conversions, etc.
by SarahS
Wed Apr 03, 2019 12:41 pm
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Re: Confused on how much I can contribute to an HSA this year

Have you been covered by an FSA in 2019? Including a carryover amount from 2018? Yes, I had $250 of an FSA, of which $62.50 was contributed in Dec 2018 and covered in last years W-2. The remaining $187.5 was contributed this year and will show up on this years W2. Does this factor into how much I c...
by SarahS
Wed Apr 03, 2019 10:43 am
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Re: Confused on how much I can contribute to an HSA this year

Have you been covered by an FSA in 2019? Including a carryover amount from 2018? Yes, I had $250 of an FSA, of which $62.50 was contributed in Dec 2018 and accounted for in last years W-2. The remaining $187.50 was contributed this year and will show up on this years W-2. Does this factor into how ...
by SarahS
Wed Apr 03, 2019 12:33 am
Forum: Personal Investments
Topic: Confused on how much I can contribute to an HSA this year
Replies: 14
Views: 1370

Confused on how much I can contribute to an HSA this year

From Jan through March, I was on a regular PPO medical plan (and made FSA contributions of $187.50). As of April 1, the FSA dollars have been spent and I am transition employers and health plans. Now, through the year and indefinitely into the future, I am on an HSA-eligible HDHP. I would like to ma...
by SarahS
Tue Apr 02, 2019 11:06 am
Forum: Personal Investments
Topic: best tax exempt Bond fund for a 10 year time window
Replies: 14
Views: 1067

Re: best tax exempt Bond fund for a 10 year time window

A 90/10 allocation just 10 years from retirement seems dicey, unless you have significant other sources of income that mostly cover your living expenses.
by SarahS
Mon Apr 01, 2019 10:16 pm
Forum: Personal Investments
Topic: Guidelines on tax-efficient fund placement in low yield environment
Replies: 4
Views: 556

Guidelines on tax-efficient fund placement in low yield environment

I understand the traditional rule of thumb regarding tax-efficient asset location is to hold bond funds in tax-deferred space and put tax-efficient equities in a taxable account. But all of the examples I’ve seen to support this assume bond yields upwards of 5%. Has anyone crunched the numbers in th...
by SarahS
Sun Mar 31, 2019 12:00 pm
Forum: Personal Investments
Topic: VTSAX/VTI vs VTCLX Tax Efficiency? [Vanguard Total Stock vs. Tax-Managed Cap Appreciation]
Replies: 10
Views: 977

Re: VTSAX/VTI vs VTCLX Tax Efficiency? [Vanguard Total Stock vs. Tax-Managed Cap Appreciation]

I have both VTSAX and VTCLX in my taxable account for a reason- because they perform so similarly, I use them as pairs for TLH purposes.
by SarahS
Sun Mar 31, 2019 11:51 am
Forum: Personal Investments
Topic: quirky Backdoor Roth question
Replies: 18
Views: 980

quirky Backdoor Roth question

What happens if the balance of my non-deductible TIRA account falls below my cost basis at the time I make the Backdoor Roth conversion? I am in the process of moving two existing rollover IRAs to my 401k to avoid the pro-Rata rule. This is going to take some time. In the meantime, my non-ded TIRA i...
by SarahS
Sat Mar 30, 2019 7:32 pm
Forum: Personal Investments
Topic: When did Fidelity roll out it’s no fee HSA?
Replies: 3
Views: 415

Re: When did Fidelity roll out it’s no fee HSA?

jadedfalcons wrote:
Sat Mar 30, 2019 7:17 pm
Back in November
Of 2018? So it’s only~ 5 months old? That’s good to know! Thank you!
by SarahS
Sat Mar 30, 2019 7:15 pm
Forum: Personal Investments
Topic: When did Fidelity roll out it’s no fee HSA?
Replies: 3
Views: 415

When did Fidelity roll out it’s no fee HSA?

Approximately When was this first offered?
by SarahS
Sat Mar 30, 2019 2:18 pm
Forum: Personal Investments
Topic: VG Muni Bond Funds
Replies: 5
Views: 814

Re: VG Muni Bond Funds

One additional question: are these muni funds subject to AMT?
by SarahS
Sat Mar 30, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Re-Balancing Approach using 5% Absolute Difference
Replies: 4
Views: 513

Re: Re-Balancing Approach using 5% Absolute Difference

There is no right answer. No one can tell you whether your performance will be better by rebalancing when one asset class is out of parameters or two or all three. The best answer to your question is to say do what's easiest for you because you're the one who has to do it. I will say that precision...
by SarahS
Sat Mar 30, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Re-Balancing Approach using 5% Absolute Difference
Replies: 4
Views: 513

Re-Balancing Approach using 5% Absolute Difference

Bogleheads, I’m finally preparing my IPS and had a question as to how folks apply the 5% rule for re-balancing, which I would like to use as my strategy. I just want to make sure I’m interpreting/applying this guidance correctly. I am a three-fund portfolio investor (VTSAX=Total US, VTIAX=Total Intl...
by SarahS
Fri Mar 29, 2019 11:35 pm
Forum: Personal Investments
Topic: VG Muni Bond Funds
Replies: 5
Views: 814

Re: VG Muni Bond Funds

mega317 wrote:
Fri Mar 29, 2019 10:57 pm
1. The duration is longer although they are close. I guess the cutoff is somewhere below 5.8 years?
2. Exempt from NIIT
3. You'd have to do the math for yourself. It's probably close. What state do you live in?
I live in WA (no state income tax).
by SarahS
Fri Mar 29, 2019 10:40 pm
Forum: Personal Investments
Topic: VG Muni Bond Funds
Replies: 5
Views: 814

VG Muni Bond Funds

Hi Bogleheads, I have 3 questions regarding VG tax-exempt bond funds: 1. Why does VGs website classify the Tax-Exempt Index (VTEAX) as a long-term muni fund despite it having a lesser % of bonds in the 20-30 the maturity range than the Tax-Exempt Intermediate term fund (VWIUX), which it obviously cl...
by SarahS
Thu Mar 28, 2019 9:58 pm
Forum: Personal Investments
Topic: When to sell individual stock to minimize taxes.
Replies: 7
Views: 507

Re: When to sell individual stock to minimize taxes.

I have a friend who has 585 shares of Boeing stock (BA) that she got from a divorce settlement in 1992. At today's price of $374 it is worth about $218K. She is 60 and plans to retire at age 65. She currently earns about $100K/year, is single and has no dependents. The stock is her largest asset. S...
by SarahS
Thu Mar 28, 2019 8:58 pm
Forum: Personal Investments
Topic: Is this a novel concept or a stupid one?
Replies: 18
Views: 1479

Re: Is this a novel concept or a stupid one?

Seems like throwing off your AA so you can do mental accounting to justify paying tax on your long term capital gains? I don't see the benefit. Scenario A: Stock market goes down. You lost more than you wanted to, since your desired AA was 80/20, but you were 90/10 instead. The tax loss you can har...
by SarahS
Thu Mar 28, 2019 8:46 pm
Forum: Personal Investments
Topic: Is this a novel concept or a stupid one?
Replies: 18
Views: 1479

Re: Is this a novel concept or a stupid one?

Hmm, well at only 5% of my portfolio, maybe I’ll just let them ride.

But at some point, I’m going to have to figure out how
To get comfortable selling. Can’t be an accumulator forever. 😄
by SarahS
Thu Mar 28, 2019 8:38 pm
Forum: Personal Investments
Topic: Is this a novel concept or a stupid one?
Replies: 18
Views: 1479

Re: Is this a novel concept or a stupid one?

How much of your portfolio are these stocks? Paying taxes isn't the worst thing ever; means you made money. You'll pay less tax if the market goes down, but it is after-tax return that matters. Tax-loss harvesting is great but it actually pays off more to use this to offset income (at marginal rate...
by SarahS
Thu Mar 28, 2019 8:36 pm
Forum: Personal Investments
Topic: Is this a novel concept or a stupid one?
Replies: 18
Views: 1479

Re: Is this a novel concept or a stupid one?

Let them ride if you still have faith in the companies. If not, sell and pay the taxes (assuming your gains are taxed). Just try not to go into the next tax bracket or disqualify yourself from Roth/Traditional IRA contributions if you do those. Read up on tax gain harvesting. I hold Apple (11 years...
by SarahS
Thu Mar 28, 2019 8:11 pm
Forum: Personal Investments
Topic: Is this a novel concept or a stupid one?
Replies: 18
Views: 1479

Is this a novel concept or a stupid one?

I have some individual holdings of AMZN and AAPL that I purchased 3 years ago before I became a Boglehead. They’ve done well and I have long-term unrealized capital gains to show for it. I would like to unwind these positions as I’d like to get back to a 3-Fund index portfolio, but I’m struggling to...
by SarahS
Thu Mar 28, 2019 2:21 am
Forum: Personal Investments
Topic: Change international % in equities over time?
Replies: 11
Views: 1065

Change international % in equities over time?

Just to be clear, I am not re-hashing the over-beaten question of what % of equities should be in international. Instead, I’m wondering about whether it is advisable to shift the equity split between US and Intl equities over time or as one nears retirement. And if so, in what direction and why? It ...
by SarahS
Sun Mar 24, 2019 8:02 pm
Forum: Personal Investments
Topic: Tracking non-covered shares
Replies: 3
Views: 334

Re: Tracking non-covered shares

The best evidence is the actual trade confirmation. Next best is a copy of the statement that includes the trade. Do most people keep statements going back that far?? What does one do if they didn’t keep them? Does VG maintain records of these transactions going back 10 years (or longer) if I ever ...
by SarahS
Sun Mar 24, 2019 7:49 pm
Forum: Personal Investments
Topic: Tracking non-covered shares
Replies: 3
Views: 334

Tracking non-covered shares

Hi Bogleheads My question is: what sort of documentation is required to justify the lots sold ( SpecID method ) for non-covered shares purchased before 2012? I have kept an Excel spreadsheet ledger with every fund purchase I’ve made in my taxable account since it’s creation, and I have used the Spec...
by SarahS
Mon Mar 18, 2019 11:04 pm
Forum: Personal Investments
Topic: When to quit feeding the pig?
Replies: 54
Views: 8194

Re: When to quit feeding the pig?

Never... fat pigs are the best! For eating and peace of mind.
by SarahS
Wed Mar 13, 2019 10:44 pm
Forum: Personal Investments
Topic: Please review and critique my portfolio.
Replies: 11
Views: 1395

Re: Please review and critique my portfolio.

You are doing great! Q: What are you holding the $385k in cash for? House is paid off, child’s college is funded. Is there some other short-term goal you are holding it for? If not, I would re-allocate to your 70/30 mix. At the very least, get it into VMMXX until you figure out what you want to do w...
by SarahS
Wed Mar 13, 2019 10:10 am
Forum: Personal Investments
Topic: What is best process to roll pre-tax TIRA to 401k?
Replies: 2
Views: 154

What is best process to roll pre-tax TIRA to 401k?

Hi Bogleheads I have a pre-tax rollover IRA with VG that I would like to “roll” into my employers 401k (with VG Ascensus) to prepare for a backdoor Roth later this year. I’ve never done this maneuver before and would appreciate if folks could tell me the “do’s” and “don’ts“ based on their experience...
by SarahS
Tue Mar 12, 2019 1:18 am
Forum: Personal Investments
Topic: Switching from Target Ret. 2045 to Equivalent 3-Fund Portfolio: Am I Approaching This Correctly?
Replies: 6
Views: 892

Re: Switching from Target Ret. 2045 to Equivalent 3-Fund Portfolio: Am I Approaching This Correctly?

Your plan looks fine to me. The only thing I would say is to keep in mind that a dollar in your Roth is worth more than a dollar in a traditional IRA. So, if your overall AA is 80/20, and your Roth is 100% stocks, your effective after-tax AA is somewhat higher than 80/20 (assuming a tax bracket abo...
by SarahS
Mon Mar 11, 2019 10:19 pm
Forum: Personal Investments
Topic: Muni bonds and Oregon state tax
Replies: 5
Views: 615

Re: Muni bonds and Oregon state tax

If you’re in a high federal tax bracket (32% or higher), VG munis can make sense in a taxable account. Even with Oregon’s state tax. They also avoid the 3.8% NII hit, often applicable in said high tax bracket.
by SarahS
Mon Mar 11, 2019 6:20 pm
Forum: Personal Investments
Topic: Switching from Target Ret. 2045 to Equivalent 3-Fund Portfolio: Am I Approaching This Correctly?
Replies: 6
Views: 892

Switching from Target Ret. 2045 to Equivalent 3-Fund Portfolio: Am I Approaching This Correctly?

Hi Bogleheads When I started investing, I used the TR2045 fund (VTIVX) for simplicity. I now hold pretty decent sums of this fund in both my Vanguard Roth and Rollover IRA accounts. I would like to exchange this into the 3-fund portfolio between these two accounts to achieve: (1) a lower blended ER;...
by SarahS
Mon Mar 11, 2019 9:17 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 7557

Re: Boeing-time to buy?

Today might be a good day to buy. But I’m sticking with index funds because of days like today.
by SarahS
Sun Mar 10, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1733

Re: Flaw in Oregon’s formula for taxing part-year residents?

Dale_G wrote:
Sun Mar 10, 2019 7:15 pm
It is not a "flaw", it is by intention. Every time I was a part year resident, I had the same experience.

Dale
Ok, good to know we’re all getting screwed. Glad I learned this now. I will leave a little surprise for Oregon the next time I’m there 😉
by SarahS
Sun Mar 10, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1733

Re: Flaw in Oregon’s formula for taxing part-year residents?

Quantandhold If the point of your first comment is that they do this intentionally to squeeze a little more tax out if someone, but don’t care b/c that someone is leaving, then presumably they would care that this will also ding those entering the state in the middle of a year. Nothing says “hello a...
by SarahS
Sun Mar 10, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1733

Re: Flaw in Oregon’s formula for taxing part-year residents

Ralph, yes I would delay the conversion to next year if this is the case, but unfortunately this flaw will also subject my regular wages to a higher tax rate. I’m surprised the shenanigan would exist and that someone wouldn’t have flagged its inequity long ago.
by SarahS
Sun Mar 10, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1733

Flaw in Oregon’s formula for taxing part-year residents?

Hoping someone savvy with taxes can help clarify if my analysis is correct here. The outcome of this will impact whether I decide to do a Roth conversion this year. Oregon says that only income earned as a resident of Oregon (or Oregon-sourced income earned as a non-resident) is subject to Oregon st...
by SarahS
Fri Mar 08, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate
Replies: 97
Views: 7976

Re: Savings Rate

When people say “I save X% of my income”, is it understood that this % is based on gross income?

Not sure how one saves 70% of gross. My taxes and FICA alone chew up about 25%. I couldn’t live on 5%.
by SarahS
Fri Mar 08, 2019 12:01 pm
Forum: Personal Investments
Topic: Need help understanding bid/ask spread for VG ETFs
Replies: 8
Views: 803

Need help understanding bid/ask spread for VG ETFs

To this point in time, I’ve been investing in VG admiral mutual funds. Reason being: ETFs werent around when I started investing, and when they finally came onto the scene, they had the same ER as admiral share class so I didn’t see the point. But with their ERs now dropping lower than admiral share...
by SarahS
Fri Mar 08, 2019 11:04 am
Forum: Personal Investments
Topic: Buy VTSAX or VTI in an IRA acccount?
Replies: 16
Views: 2968

Re: Buy VTSAX or VTI in an IRA acccount?

Are there fees to purchase ETFs, or does VG waive those if purchased within a VG account. Also, would the bid/ask spread effectively nullify the slight benefit of the lower ER?
by SarahS
Fri Mar 08, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8521

Re: attacked by off-leash dog

I live in Bend Oregon, the off-leash dog capital of the world. The City builds tons of off-leash fenced-off dog areas, but the owners just off-leash them wherever they want under the guise of “I thought Bend was dog-friendly.” I guess it’s like how some people justify certain illegal activities in L...
by SarahS
Fri Mar 08, 2019 10:07 am
Forum: Personal Investments
Topic: Buy VTSAX or VTI in an IRA acccount?
Replies: 16
Views: 2968

Re: Buy VTSAX or VTI in an IRA acccount?

So then it appears their website - which shows both ETF and Admiral ER as 0.04% - is false advertising at this point?!
by SarahS
Thu Mar 07, 2019 4:50 pm
Forum: Personal Investments
Topic: Backdoor Roth
Replies: 5
Views: 413

Re: Backdoor Roth

Thanks everyone!
by SarahS
Thu Mar 07, 2019 12:03 pm
Forum: Personal Investments
Topic: Backdoor Roth
Replies: 5
Views: 413

Backdoor Roth

I get the basics of this, but I haven’t yet done it in practice. I will later this year after I move my existing rollover IRAs into my 401k. My 2017, 2018, and soon-to-be 2019 non-deductible IRA contributions are sitting in a TIRA account, waiting until I’m ready. My question: Is there a summary of ...
by SarahS
Thu Mar 07, 2019 11:39 am
Forum: Personal Investments
Topic: Cost Basis Method - Which is best
Replies: 4
Views: 422

Re: Cost Basis Method - Which is best

specID method is not labor intensive at all, especially since brokerages track cost basis history. Doing it helps a lot with optimal TLH.
by SarahS
Thu Mar 07, 2019 10:55 am
Forum: Personal Investments
Topic: Why aren’t Fido’s lower ERs a reason to switch from VG?
Replies: 43
Views: 3267

Re: Why aren’t Fido’s lower ERs a reason to switch from VG?

VTI is 0.02% ER and VXUS is 0.09% ER for ETF shares. They have better tax efficiency, more holdings, less tracking error, and more liquidity than FSKAX (0.015%) and FTIHX (0.06%). There's FZROX and FZILX, but they fall even shorter. If starting today, I'd consider IRAs at Fidelity and taxable at Va...
by SarahS
Thu Mar 07, 2019 12:15 am
Forum: Personal Investments
Topic: Why aren’t Fido’s lower ERs a reason to switch from VG?
Replies: 43
Views: 3267

Why aren’t Fido’s lower ERs a reason to switch from VG?

Direct comparison of Fidelity and Vanguard funds. https://www.fidelity.com/mutual-funds/investing-ideas/index-funds Been VG diehard for the past 15 years, since I started my investing. But I’m noticing that many of the VG funds have ERs that are nearly double those of Fido’s “equivalent” funds. Whic...