Search found 444 matches

by e5116
Sun Oct 20, 2019 5:33 pm
Forum: Personal Investments
Topic: Odds of Illinois Teacher Pension Solvency to use for Planning Purposes
Replies: 27
Views: 3011

Re: Odds of Illinois Teacher Pension Solvency to use for Planning Purposes

I have a sibling who is a teacher in IL. I think it's unlikely the base amount will change but the very generous compounded COLA that is used could conceivably be pulled back. That aspect of it is pretty rare across the country and is honestly a major driver of the sordid state of it. The state legi...
by e5116
Mon Aug 05, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Excel Quotes Add-In: Stock quotes from Gaier Software
Replies: 9
Views: 1483

Re: Excel Quotes Add-In: Stock quotes from Gaier Software

Agree, the SMF add-in works well. https://smf-add-in.blogspot.com/ I use this too (and have for several years), but there have been several updates to the API's that have caused certain things to break and you have to look up the new codes. Not that hard though, but I can't always get all the attri...
by e5116
Wed Jul 31, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 299118

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Can somebody please point me to the post that talks about the 20-day lookback? (Or explain it succinctly.) I have no idea what that means and am curious. Tried to find it and see references to the "lookback" but no idea what the actual process is. Thanks!
by e5116
Sun Jul 21, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 113
Views: 14534

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Not to hijack, but I got a mailer for a $500 bonus for opening a savings account with Wells Fargo in branch with at least $20k. I cannot find a mention of this promotion being mentioned anywhere on the entire internet...it's always for checking only. Thing nice about savings is no direct deposit req...
by e5116
Fri Jul 05, 2019 7:02 am
Forum: Personal Investments
Topic: Taxation of assets held in a revocable living trust upon death question
Replies: 23
Views: 1793

Re: Taxation of assets held in a revocable living trust upon death question

Sorry, not to hijack but what defines a "joint trust"? I have a "family trust" set up with both my wife and I as signatories and trustees should the other one pass. The word "grantor" isn't used anywhere in it. I assume this is how the OP's trust was setup so probably has the same question. (I'm al...
by e5116
Thu Jul 04, 2019 11:28 pm
Forum: Investing - Theory, News & General
Topic: Unsolicited Diamond Investment Call
Replies: 26
Views: 2224

Re: Unsolicited Diamond Investment Call

I understand the new lab created diamonds are truly indistinguishable from “real” diamonds. Once the fairer sex decides they are ok, the diamond merchants are in real trouble. I hope this will be true, but lab created diamonds (for now) are still quite expensive as the process is very involved. The...
by e5116
Thu Jul 04, 2019 11:12 pm
Forum: Personal Investments
Topic: Taxation of assets held in a revocable living trust upon death question
Replies: 23
Views: 1793

Re: Taxation of assets held in a revocable living trust upon death question

... I understand that IRA’s should not be named the beneficiaries of a trust for tax consequences .... See my article on trusts as beneficiaries of retirement benefits in the March 2004 issue of BNA Tax Management's Estates, Gifts & Trusts Journal: https://www.kkwc.com/wp-content/uploads/2015/04/AR...
by e5116
Sun Jun 23, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5824

Re: Should I buy a condo in Chicago?

I'd go for it as well. Yes, taxes and HOA can always go up but so can rent. Property taxes in Chicago have very recently gone up substantially already so that has put some downward pressure on prices and unlike the coasts, prices in the most desirable neighborhoods are still reasonable given low mor...
by e5116
Thu Jun 20, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: How to phrase job-change for family reasons?
Replies: 13
Views: 1661

Re: Career advice: How to phrase job-change for family reasons?

The main reason for hesitation was that I have just started in City B (less than a year). So moving back would mean a fast switch, and in absence of a good reason , I'm under the impression that it doesn't sound good (you don't want to hire a "jumper"). That's why I was wondering if family is a goo...
by e5116
Mon May 20, 2019 10:44 pm
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3680

Re: Convince me that a 529 plan is a good idea.

I'm very confused...As an IL resident as well, the Bright Start program has very good options with several low cost Vanguard index funds. Bright Directions is the one with higher fees as it's advisor-led. Bright Start is super easy to open up and fund. Choose either a target date fund or index fund...
by e5116
Mon May 20, 2019 9:16 pm
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 42
Views: 3680

Re: Convince me that a 529 plan is a good idea.

I'm very confused...As an IL resident as well, the Bright Start program has very good options with several low cost Vanguard index funds. Bright Directions is the one with higher fees as it's advisor-led. Bright Start is super easy to open up and fund. Choose either a target date fund or index funds...
by e5116
Tue May 14, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 795431

Re: What's Your Credit Card Rewards Strategy?

hey all, could use some advice. wife and i have been hoarding our Chase Ultimate Rewards points and as such we have about 550-600,000 between the two of us. issue is, i don't think we have any time for any large trips in the near future and we're worried about point devaluation and such. i'd love t...
by e5116
Mon Apr 29, 2019 2:38 pm
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 53
Views: 14551

Re: Sitting on $1.5m cash - need help

If Ally goes bust you’re set to lose $850k. I’d get under FDIC limits ASAP. Curious about this, would you feel move comfortable with the cash in a VG money market fund or would you rather see it in a FDIC accounts? I'd have it spread out across multiple institutions to minimize risk. Having spent a...
by e5116
Tue Apr 02, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)
Replies: 54
Views: 4201

Re: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)

To be fair, one could live in Chicago relatively cheaply if you choose. Housing doesn't have to be $2.5-$3k - that's probably a nice two BR in a desirable neighborhood (Lakeview, Lincoln Park, River North, Bucktown, Wicker Park, etc.) If you want to make the math more favorable and make the decision...
by e5116
Tue Apr 02, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?
Replies: 34
Views: 2955

Re: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?

One word: 2007 People thought nothing of mortgaging to hte max possible because "housing always goes up". Then it didn't. The market in my town feels similar this year to what it did back then - bidding wars, etc. This house is only 1.3x salary. You should be able to put 20% down, finance it on a 1...
by e5116
Tue Apr 02, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 13200

Re: Is our household budget crazy?

I think your food budget is okay if you guys enjoy eating out and having nice food. I personally get a lot of happiness from those experiences (and eating out with a toddler to me IS enjoyable/fun - we didn't want to change who we were completey just because kids came into the picture so still try t...
by e5116
Wed Mar 06, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting view of Uber/Lyft -
Replies: 26
Views: 2685

Re: Interesting view of Uber/Lyft -

https://www.washingtonpost.com/opinions/uber-and-lyft-are-losing-money-at-some-point-well-pay-for-it/2019/03/05/addd607c-3f95-11e9-a0d3-1210e58a94cf_story.html?utm_term=.6f7b35a55168 Never actually did a financial analysis of Uber/Lyft - but this makes a lot of sense to me. Taxis operate at relativ...
by e5116
Mon Mar 04, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Joint Return vs. Separate Returns Analysis Bug?
Replies: 2
Views: 270

Re: TaxAct Joint Return vs. Separate Returns Analysis Bug?

Can anybody else check if they see the same thing (and I'm looking at it correctly) so I don't have to go through the agony of doing an entire separate return only to find out it's wrong? But if it saves me $800, then it'd be worth it....
by e5116
Mon Mar 04, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Joint Return vs. Separate Returns Analysis Bug?
Replies: 2
Views: 270

TaxAct Joint Return vs. Separate Returns Analysis Bug?

So, I was about to file my return and decided to the run the joint return vs. separate analysis in TaxAct to give an estimate for curiousity's sake even though I was pretty sure MFJ would be superior. Much to my surprise, it told me separate would save me $800! But....I checked the report more close...
by e5116
Fri Mar 01, 2019 3:23 pm
Forum: Personal Investments
Topic: Personal Capital
Replies: 20
Views: 1406

Re: Personal Capital

They call me once, at most twice, a year. Every time I tell them how much I enjoy using their software and I'm sorry to have to tell them I'm a DIY index fund guy and I actually enjoy the small work of maintaining my current portfolio. It's a pleasant, short conversation every 6-12 months with no p...
by e5116
Tue Feb 26, 2019 7:32 am
Forum: Personal Investments
Topic: Wealthfront To Vanguard Or Straight To Vanguard?
Replies: 10
Views: 584

Re: Wealthfront To Vanguard Or Straight To Vanguard?

Honestly, $670 is so little that it doesn't matter much what you do. Your savings rate is so much more important than your investments at this point. Tracking returns on $670 is a silly exercise. For myself, I wouldn't even bother jumping through hoops until I had a reasonable amount to invest. Focu...
by e5116
Tue Feb 19, 2019 8:40 pm
Forum: Personal Investments
Topic: Investing, as an American, in the London Stock Exchange (LSE) Tax Implications, Shariah Investor
Replies: 16
Views: 1251

Re: Investing, as an American, in the London Stock Exchange (LSE) Tax Implications, Shariah Investor

I have no knowledge or experience with it, but it appears wealthsimple robo advisor has a Sharia compliant portfolio option. They charge either 0.5 or 0.4 depending on asset level. No idea the underlying fund fees.
by e5116
Thu Feb 14, 2019 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35137

Re: [2018 tax return - How does it compare to previous years?]

My total tax is about the same from 2017 to 2018 (adj for slight difference in income), but that's only because I had a second child this year. If I only had one child, I'd be paying slightly more. No children, even more. Two income household each earning about the same in high tax state. My deducti...
by e5116
Sun Feb 10, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable refunds of state and local taxes - electing standard deduction to avoid?
Replies: 16
Views: 1445

Re: Taxable refunds of state and local taxes - electing standard deduction to avoid?

Thank you kaneohe, boomer_techie, lstone19 for the additional information and expertise. I truly appreciate this site and those willing to help provide information just for the sake of educating others. Thanks! :beer
by e5116
Sun Feb 10, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable refunds of state and local taxes - electing standard deduction to avoid?
Replies: 16
Views: 1445

Re: Taxable refunds of state and local taxes - electing standard deduction to avoid?

Anyone paying property taxes in the range of roughly $7,000 - 9,000 should take a look at this option if they are itemizing. There are a number of variables involved in calculating the sales tax deduction figure (income, family size, state of residence), but it's just a matter of looking up the fig...
by e5116
Thu Feb 07, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable refunds of state and local taxes - electing standard deduction to avoid?
Replies: 16
Views: 1445

Re: Taxable refunds of state and local taxes - electing standard deduction to avoid?

If the numbers are close, and especially if you are limited by the SALT deduction, in many cases it is better to elect to use the Sales Tax tables in lieu of the state income tax deduction. Electing the Sales Tax deduction completely eliminates the need to jump through the hoops to calculate any am...
by e5116
Wed Feb 06, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable refunds of state and local taxes - electing standard deduction to avoid?
Replies: 16
Views: 1445

Taxable refunds of state and local taxes - electing standard deduction to avoid?

So, I noticed that when I filled out my taxes this year, it auto-populated my state tax refund from 2017 taxes as taxable income for the 2018 year. Okay, fine. My question is that if I'm expecting another decent sized state refund THIS year, it seems like I can avoid the above scenario for NEXT year...
by e5116
Wed Feb 06, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

It appears Taxact has fixed the glitch. I'm not sure if anyone else has been able to do it, and it didn't work for me yesterday, but it seems to be working again today. :D +1 confirmed for me too. 8606 looks about right, didn't have to check or uncheck any boxes extraordinarily on my w2. One thing ...
by e5116
Wed Feb 06, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

jambadoc wrote:
Wed Feb 06, 2019 9:52 am
It appears Taxact has fixed the glitch. I'm not sure if anyone else has been able to do it, and it didn't work for me yesterday, but it seems to be working again today. :D
Awesome! I can also confirm that putting in exactly $5500 now doesn't mess up the calculation like it did before.
by e5116
Tue Feb 05, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

TaxAct has acknowledged this problem. The workaround is: -- to answer the QA to state that you are NOT covered by an employer plan, AND ALSO -- Do NOT check the box when entering your w2s which state you are covered by a retirement account/plan This fixed all non-deductible Roth contributions for m...
by e5116
Tue Feb 05, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Is there no issue if you just add the non-deductible IRA contribution to form 8606, without the backdoor roth steps? I think the answer is yes, still an issue, but want to make sure. I believe it's still an issue if you do that, but I personally did not do it in that order and don't want to retry.
by e5116
Tue Feb 05, 2019 12:09 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Gah, this was driving me nuts! I'm having the same issue. Totally hangs up on Save forever. I'm actually able to get it to work kind of if I clear cookies/cache at each step. But it's definitely buggy and even worse, it's calculating things WRONG!! Seriously. If I put in a Gross Distribution of $55...
by e5116
Mon Feb 04, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4670

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Gah, this was driving me nuts! I'm having the same issue. Totally hangs up on Save forever. I'm actually able to get it to work kind of if I clear cookies/cache at each step. But it's definitely buggy and even worse, it's calculating things WRONG!! Seriously. If I put in a Gross Distribution of $550...
by e5116
Mon Feb 04, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: CA homes and new SALT limits
Replies: 48
Views: 5905

Re: CA homes and new SALT limits

Wow, I look at all these scenarios of $1M home with only $10k property taxes and I'm like "sign me up!!!" Hahahaha. :twisted: I'm in IL, with certainly a lower level cost of housing than CA (and lower income taxes too), but much higher property taxes. In my community, a house for around $500k would ...
by e5116
Tue Jan 01, 2019 4:16 pm
Forum: Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 1190

Re: Vanguard International Fund down for year?

The report says Vanguard Into Stock returned -8.71%; how do you computer a negative return??? From Jan 1 2018 through December 31 2018 the price of the stock went down. That’s how you have a negative return. For the year it was down 14.43%. Look at the link I provided earlier. Cheers VTIAX opened o...
by e5116
Fri Dec 28, 2018 10:27 am
Forum: Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 3285

Re: What to do with 1k check for 9 month old son?

I didn't read all the replies in this thread, but when something similar happened to me, I personally deposited the check into my checking account (you can do that as a parent) and then invested the equivalent funds into Total Stock Market/Intl Market in a Schwab brokerage that was basically unused ...
by e5116
Mon Dec 10, 2018 5:25 pm
Forum: Personal Investments
Topic: HSA question
Replies: 7
Views: 805

Re: HSA question

You can't just compare the difference between premiums and the out-of-pocket max as you also get the tax deduction for contributions to the HSA (up to $7k/year) so if you're in the 24% tax bracket, you save another $1680. Your max out of pocket is LESS for the HSA?? Seems like a no brainer for the H...
by e5116
Sun Nov 18, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluating HSA vs. Standard PPO (Adult + children)
Replies: 2
Views: 310

Re: Help evaluating HSA vs. Standard PPO (Adult + children)

Office visits: HSA : "You pay coinsurance after deductible" Does that mean they cover NOTHING until deductible is met (minus preventative services)? That's how I read it. This is the way HDHPs are required to work. (You do still get the benefit of in-network negotiated rates; if a doctor charges $1...
by e5116
Sun Nov 18, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluating HSA vs. Standard PPO (Adult + children)
Replies: 2
Views: 310

Help evaluating HSA vs. Standard PPO (Adult + children)

Hey All! My wife's company offers an HSA as an option that uses the same BCBS PPO provider as her other options (based on my understanding) and uses BenefitWallet as the administrator. I honestly didn't realize she had the option before, but I am heavily considering telling her to go for it, but wan...
by e5116
Thu Nov 08, 2018 2:15 pm
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15389

Re: Are We In A Real Estate Bubble?

Yeah, in my area, prices for SFHs are currently about at 2004 levels (depending on size/price -- the largest/expensive homes haven't appreciated as much). They didn't rise all that quickly after the 2008 crash....So, I don't think they'll crash as much either if the "national bubble" bursts, but the...
by e5116
Thu Nov 01, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 6039

Re: Tax refunds expected to be 26% more in 2019

I used the IRS calculator in July and shockingly it had me WAY under-withholding. I increased the withholding for both my wife and myself considerably. We'll see how accurate it is...I'd prefer not to overwithhold for the year, but the calculator frightened me so I tried to be reasonably accurate. P...
by e5116
Sat Sep 29, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit card charge- fraud or mistake?
Replies: 24
Views: 2552

Re: Credit card charge- fraud or mistake?

Yep agree on both accounts that sometimes the charge location doesn't make sense and that it could also have been an honest mistake and not fraud. I had a charge for a cheap one night stay in a hotel in Wisconsin once that I had never been to (and was living in Virginia at the time). Called the hote...
by e5116
Mon Sep 24, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 6119

Re: Ripped off by a locksmith

Wow, people really suggesting to go through a 7-step process to save $22.50?!? My time is much more valuable than that. I would personally just let it go. Maybe leave a (negative) review somewhere if it makes you feel better or contact the company itself and tell them what happened. This reminds me ...
by e5116
Wed Sep 12, 2018 8:17 am
Forum: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 71
Views: 7569

Re: Fidelity, Schwab, or Vanguard

I think any of the three are great and the differences are negligible. I have had accounts with all three and now use Schwab and Vanguard. I personally still like a few of Vanguard's functionalities that don't exist at Schwab that allow me to invest on "auto-pilot." That is probably largely a functi...
by e5116
Sun Sep 09, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 5699

Re: How much do bogleheads save in 529?

Harvard could easily be free for everybody if they chose to be. They don't (and won't) because it is already AFFORDABLE for everybody. The "sticker price" is only what those with very high income/assets pay. So, I could see schools increasing their sticker price while reducing their students average...
by e5116
Sun Sep 02, 2018 2:02 pm
Forum: Personal Investments
Topic: Grandchild’s account
Replies: 4
Views: 619

Re: Grandchild’s account

If you want small cap value in taxable at Vanguard, could also consider VIOV (or IJS). It's been pretty darn efficient for that asset class. It also is more focused on small caps than VBR. And it's not as if VBR has been THAT inefficient -- just not as much as VTI or VXUS and the like. Small cap val...
by e5116
Thu Aug 30, 2018 9:34 pm
Forum: Personal Investments
Topic: Backdoor Roth question
Replies: 2
Views: 326

Re: Backdoor Roth question

Quite a while back, I had been advised to roll over a 401K fund into a traditional Rollover IRA(and have been max-contributing to this IRA yearly). However, I had read that doing this can "block the backdoor Roth option". Is this true? Can I still open a backdoor Roth (or mega backdoor Roth) and fu...
by e5116
Thu Aug 30, 2018 7:23 pm
Forum: Personal Investments
Topic: Bright Start 529 investment choices
Replies: 6
Views: 688

Re: Bright Start 529 investment choices

Ah did not realize they added that as an option, cool. I believe the IL 529 restricts changing your investment to (twice?) a year. Still probably enough, but one reason a target fund might be preferable. Otherwise, if you're comfortable with 100% equities, I say go for it. The 0.02% expense ratios c...
by e5116
Wed Aug 29, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23729

Re: Decent compensation to move to Bay Area CA?

Haven't read every post, but wanted to say to please do NOT use GreatSchools "score" as gospel to how good a school is.... They are garbage. Look at test scores, demographics, and other factors to determine if it's a good fit for your family. I realize they are prominently displayed on sites like Re...
by e5116
Mon Aug 27, 2018 6:08 pm
Forum: Personal Investments
Topic: IJS significantly beat DFSVX
Replies: 16
Views: 1227

Re: IJS significantly beat DFSVX

On morningstar, if you start with IJS and compare it to DFSVX from inception, IJS kills it. If you start with DFSVX and compare, DFSVX actually beats IJS by a little. Is the first not including capital gains whereas in the second it does? I've noticed the same. The performance charts of mutual fund...