Search found 153 matches

by IndexCore
Thu Jul 09, 2020 12:27 am
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4293

Re: What is your contrarian/alternative play?

I've noticed the market can't predict Covid-19 cases that well, but once the impact is clear, the losses get priced in. So I'm not waiting for the moment of maximum damage, but rather the moment when losses get priced in. I think that happens within 2 weeks, which is why last week I bought PUT opti...
by IndexCore
Wed Jul 08, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4293

Re: What is your contrarian/alternative play?

Just curious... what did you do for this? I bought short-dated put options on certain stocks that are more sensitive to the economy closing down. Just curious how short-dated are your puts? I have puts on SPX October expiry (didn't want to bet on individual stocks on the downside). I've noticed the...
by IndexCore
Tue Jul 07, 2020 7:57 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

3. There are no signals to help decide when to get in or get out. This line refers to one person's opinion, cited in the article: “There were no flashing signals that those were the days that were going to see huge upside,” said Chris Gaffney, president of world markets at TIAA Bank. “If you look b...
by IndexCore
Mon Jul 06, 2020 9:46 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4293

Re: What is your contrarian/alternative play?

. I took a very tiny part of my portfolio, and invested it to take advantage if the U.S. walks back towards lock downs. Just curious... what did you do for this? I bought short-dated put options on certain stocks that are more sensitive to the economy closing down. Just curious how short-dated are ...
by IndexCore
Mon Jul 06, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

3. There are no signals to help decide when to get in or get out. This line refers to one person's opinion, cited in the article: “There were no flashing signals that those were the days that were going to see huge upside,” said Chris Gaffney, president of world markets at TIAA Bank. “If you look b...
by IndexCore
Mon Jul 06, 2020 6:22 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

3. There are no signals to help decide when to get in or get out. This line refers to one person's opinion, cited in the article: “There were no flashing signals that those were the days that were going to see huge upside,” said Chris Gaffney, president of world markets at TIAA Bank. “If you look b...
by IndexCore
Mon Jul 06, 2020 4:11 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

You use words like "clearly" and "speak confidently" without any data or source of information. How can someone who buys equities near the bottom have the same performance as someone who doesn't? What sources, outside your own head, back up your claims? My point here is that there's no source to te...
by IndexCore
Mon Jul 06, 2020 4:01 am
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4293

Re: What is your contrarian/alternative play?

occambogle wrote:
Sun Jul 05, 2020 11:54 pm
IndexCore wrote:
Sun Jul 05, 2020 11:07 pm
. I took a very tiny part of my portfolio, and invested it to take advantage if the U.S. walks back towards lock downs.
Just curious... what did you do for this?
I bought short-dated put options on certain stocks that are more sensitive to the economy closing down.
by IndexCore
Sun Jul 05, 2020 11:07 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4293

Re: What is your contrarian/alternative play?

When a large number of people are in denial about a serious problem, the future may be worse than they expect. I took a very tiny part of my portfolio, and invested it to take advantage if the U.S. walks back towards lock downs. A significant amount of U.S. GDP and population are found in CA, TX and...
by IndexCore
Sun Jul 05, 2020 11:02 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

To be clear, after watching country after country fail to contain Covid-19, and lock down... this article claims nobody could predict if the same thing would happen in the U.S. I disagree - some people did. Just because what you predict actually happens doesn't mean it was a sure thing. There were ...
by IndexCore
Sun Jul 05, 2020 6:29 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

3. There are no signals to help decide when to get in or get out. This line refers to one person's opinion, cited in the article: “There were no flashing signals that those were the days that were going to see huge upside,” said Chris Gaffney, president of world markets at TIAA Bank. “If you look b...
by IndexCore
Sun Jul 05, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

To be clear, after watching country after country fail to contain Covid-19, and lock down... this article claims nobody could predict if the same thing would happen in the U.S. I disagree - some people did. Yes, but at what cost to the markets? Those were the people that would have most likely been...
by IndexCore
Sat Jul 04, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: Beat the market by doing (almost) nothing
Replies: 61
Views: 7293

Re: Beat the market by doing (almost) nothing

There's an important difference between UPRO/TMF and other approaches. If you look at correlation data, stocks and treasury bonds have some negative correlation (about the same level as P/E ratio and returns 10-20 years afterwards). When UPRO drops, TMF has a greater change than most ETFs of going u...
by IndexCore
Sat Jul 04, 2020 8:27 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

To be clear, after watching country after country fail to contain Covid-19, and lock down... this article claims nobody could predict if the same thing would happen in the U.S. I disagree - some people did. Yes, but at what cost to the markets? Those were the people that would have most likely been...
by IndexCore
Fri Jul 03, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6473

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

3. There are no signals to help decide when to get in or get out. This line refers to one person's opinion, cited in the article: “There were no flashing signals that those were the days that were going to see huge upside,” said Chris Gaffney, president of world markets at TIAA Bank. “If you look b...
by IndexCore
Tue Jun 30, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of quality factor at this time.
Replies: 13
Views: 645

Re: Pros and cons of quality factor at this time.

According to academics, Warren Buffet discovered the "quality" factor decades before anyone else figured it out. The factor he used, and that academics label the "quality factor" is probably what OP intends. Here's the definition on Investopedia: https://www.investopedia.com/terms/f/factor-investing...
by IndexCore
Sat Jun 27, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 209
Views: 60500

Re: Interactive Brokers (Best Kept Secret)

Investing with a margin loan means the losses are leveraged, and could wipe out your account. If you go 3X on leverage, and what you buy loses 1/3rd, you have wiped out your equity. The brokerage will spot the problem and liquidate the account to pay off the margin loan...leaving the account with a ...
by IndexCore
Mon Jun 22, 2020 6:18 pm
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

An order of 10,000 shares is 30% of an average day's volume. It's several hours of market activity contained in one trade. You're claiming that has no market impact, and won't change the bid-ask spread while it's being processed? Yes, that's what I'm claiming because it is what would happen. I enco...
by IndexCore
Mon Jun 22, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

An order of 10,000 shares is 30% of an average day's volume. It's several hours of market activity contained in one trade. You're claiming that has no market impact, and won't change the bid-ask spread while it's being processed? Yes, that's what I'm claiming because it is what would happen. I enco...
by IndexCore
Sun Jun 21, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

"Large volumes" to me sounds like blocks of 1,000 shares, and there's no way that trades without a delay, and without impacting the price. Hours into the trading day, RZV often hasn't hit 1,000 shares traded. Maybe you can provide an example. "Large volumes" will be context dependent, obviously, bu...
by IndexCore
Sun Jun 21, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

Below 100M, the trading volume tends to be low. When you go to sell, you may have to wait for your order to be filled. The bid-ask spread might get wide, and your orders might even change the bid-ask spread if the volume is really low. Most of this isn’t true, at least not for index-based ETFs. Nei...
by IndexCore
Sun Jun 21, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: S&P 500 vs. profit margins: Valid point about market disconnect?
Replies: 47
Views: 2379

Re: S&P 500 vs. profit margins: Valid point about market disconnect?

In the past, most companies provide some form of forward guidance, telling investors what the company expects to happen in the future. Investors all receive that information at the same time, and extrapolate the future from it. This year, a record number of companies have "withdrawn guidance". In mu...
by IndexCore
Sun Jun 21, 2020 8:50 am
Forum: Investing - Theory, News & General
Topic: 2 questions about Vanguard’s Tax-Exempt Bond Index
Replies: 17
Views: 1335

Re: 2 questions about Vanguard’s Tax-Exempt Bond Index

I was about to reply with stale information, but it actually might help to explain the AUM difference. I seem to recall some Vanguard mutual funds had a 0.25% purchase fee, and/or a 0.25% redemption fee. If you bought shares, you might pay 0.25% and never see that money again. If I remember correctl...
by IndexCore
Sun Jun 21, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

I was just building off the last 4 posts, including yours, that all mentioned ETFs.
by IndexCore
Sun Jun 21, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: Does AUM factor into your choice of Fund?
Replies: 39
Views: 2133

Re: Does AUM factor into your choice of Fund?

I have a minimum of 100M for an ETF/Fund. Below that and I feel like their is some risk of the fund eventually losing assets and closing down. ... I agree, but for different reasons. Below 100M, the trading volume tends to be low. When you go to sell, you may have to wait for your order to be fille...
by IndexCore
Thu Jun 18, 2020 2:03 am
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 4865

Re: Cash in lieu of bonds

Another thing I should have put in my original post, I’m retired and plan on withdrawing a fixed percentage from my portfolio, so a drop in principal, even if it will come back as interest rates change, is something I want to avoid. If my stocks drop, I’d really hate to watch my bonds drop right al...
by IndexCore
Wed Jun 17, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?
Replies: 11
Views: 1151

Re: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?

This article cites unnamed people as a source, which is unfortunately normal for hedge fund secrecy (ironic for a firm that devised "radical transparency", no?) https://www.bloomberg.com/news/articles/2020-04-03/bridgewater-s-main-hedge-fund-loses-about-20-in-first-quarter "The firm’s Pure Alpha II ...
by IndexCore
Wed Jun 17, 2020 1:31 am
Forum: Investing - Theory, News & General
Topic: The “Abandon Bonds” strategy
Replies: 200
Views: 16223

Re: The “Abandon Bonds” strategy

Correct me if I am wrong, but the CALPERS new strategy to deal with needed returns is to add additional exposure to long term treasuries. Then they are taking more risk by employing leverage and using private equity and factor funds. Even with a long term horizon, they are still using treasuries fo...
by IndexCore
Wed Jun 17, 2020 1:23 am
Forum: Personal Investments
Topic: Real Estate Tilt
Replies: 13
Views: 778

Re: Real Estate Tilt

Did REIT really do that much worse than VTI? ... I was referring to this part of OP's post: When looking at the two on a chart, it appears REIT has seriously lagged the stock fund. I've owned REIT since about 2000. It smoothed out my portfolio returns as stocks tanked in the early 2000s and real es...
by IndexCore
Tue Jun 16, 2020 7:40 am
Forum: Personal Investments
Topic: Real Estate Tilt
Replies: 13
Views: 778

Re: Real Estate Tilt

livesoft wrote:
Tue Jun 16, 2020 7:36 am
IndexCore wrote:
Tue Jun 16, 2020 7:32 am
Leesbro63 - Over what time frame did you see REITs trail U.S. stocks?
The only important time frame nowadays is 2020 to 2050.
Not sure how that's helpful.

I was referring to this part of OP's post:
Leesbro63 wrote:
Tue Jun 16, 2020 7:10 am
When looking at the two on a chart, it appears REIT has seriously lagged the stock fund.
by IndexCore
Tue Jun 16, 2020 7:38 am
Forum: Personal Investments
Topic: Vanguard Growth ETF
Replies: 28
Views: 1863

Re: Vanguard Growth ETF

The comment about QQQ may be more insightful than OP realizes. Over the past 12 months, the 5 largest companies in the U.S. returned about +50% average, with the rest of the market about +5%. Tech companies have been doing extraordinarily well - and all are growth companies. If you subtract tech's p...
by IndexCore
Tue Jun 16, 2020 7:32 am
Forum: Personal Investments
Topic: Real Estate Tilt
Replies: 13
Views: 778

Re: Real Estate Tilt

Although not OP, I was curious and plugged in 3 portfolios to Portfolio Visualizer: 100% US Stock Market 67% US Stock Market / 33% REIT 100% REIT Over the entire time frame (1972-2020), the mixed portfolio beat the others. But during 1980-1999, REITs did worse than the market... and from 2000-2019 R...
by IndexCore
Tue Jun 16, 2020 2:04 am
Forum: Investing - Theory, News & General
Topic: Is the fed's action making the market not free?
Replies: 9
Views: 1137

Re: Is the fed's action making the market not free?

I've been observing that the fed is making huge interventions in bailing out the market. I read this to mean the Fed's purchases have been huge, which is not the case. The Fed's willingness to act as a buyer of last resort does have a huge impact, but it precedes the actual purchases. Once investor...
by IndexCore
Sun Jun 14, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: Given High Valuations What Should Reasonable Return Be
Replies: 28
Views: 1863

Re: Given High Valuations What Should Reasonable Return Be

CAPE is only 0.43 correlated with returns 10-20 years from now. It's even worse predicting what happens next year: the correlation drops to under 0.09 http://fairwaywealth.com/wp-content/uploads/Vanguard-Research-11-30-2014.pdf#page=7 Also from that paper: "We confirm that valuation metrics such as...
by IndexCore
Sun Jun 14, 2020 5:01 am
Forum: Investing - Theory, News & General
Topic: Given High Valuations What Should Reasonable Return Be
Replies: 28
Views: 1863

Re: Given High Valuations What Should Reasonable Return Be

CAPE is only 0.43 correlated with returns 10-20 years from now.
It's even worse predicting what happens next year: the correlation drops to under 0.09
http://fairwaywealth.com/wp-content/upl ... pdf#page=7
by IndexCore
Sat Jun 13, 2020 6:24 am
Forum: Investing - Theory, News & General
Topic: Interesting New Article Taking A Fresh Look At Sharpe’s Arithmetic Of Active Management
Replies: 26
Views: 2572

Re: Interesting New Article Taking A Fresh Look At Sharpe’s Arithmetic Of Active Management

Turnover refers to the index buying and selling to remain tracking it's index. It's possible on 4/30 there was 3% turnover, and now there's 10% turnover in the S&P 500: S&P actually delayed the index update because it was so dramatic. I could believe the S&P 500 had a 10% turnover... but that can be...
by IndexCore
Sat Jun 13, 2020 6:17 am
Forum: Investing - Theory, News & General
Topic: Calling the Bogleheads: An assortment of questions about bonds
Replies: 6
Views: 657

Re: Calling the Bogleheads: An assortment of questions about bonds

When I held bonds, I liked Vanguard Tax-Exempt Bond ETF (VTEB). It's bonds are spread around the U.S., reducing the single state risk. The interest rate was competitive with taxable bond funds, and it freed up space in my Roth IRA for stocks. I don't see much of a difference beween NAV and market va...
by IndexCore
Fri Jun 12, 2020 6:51 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5394
Views: 484760

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

If you set 3x leverage and never touch it again, over time, you will end up with less and less leverage since your equity increases (market tends to go up). Its results begin to resemble just VFINX itself. So 3x VFINX - 2X CASH, never rebalanced, will almost certainly underperform any rebalanced, l...
by IndexCore
Fri Jun 12, 2020 6:23 am
Forum: Investing - Theory, News & General
Topic: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?
Replies: 231
Views: 29124

Re: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?

Tons of backward looking thought processes in these posts. How would these high bond allocation portfolios performed if they started at an era where 10 year bonds were yielding 0.6%? From 1941-1970, intermediate-term Treasuries had a real annualized return of -.80%. So negative real bond yields def...
by IndexCore
Thu Jun 11, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?
Replies: 231
Views: 29124

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

I wonder if the 30/70 portfolio came from back testing 2004-2012. For that specific range, CAGR is very close: 60/40 grew 6.17%/year while 30/70 grew 6.04%/year. The Sharpe/Sortino ratios also look great for that range of years. https://www.portfoliovisualizer.com/backtest-asset-class-allocation Goi...
by IndexCore
Thu Jun 11, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: Rebalancing and Taxes
Replies: 8
Views: 693

Re: Rebalancing and Taxes

It used to be Vanguard provided FIFO or tax lot identification, which made it extra work. They now have "Highest Cost First Out" which means sell those stocks with the least gain. (It probably ignores the difference in short- vs long-term tax rates) You might also look at tax-exempt bonds, which sit...
by IndexCore
Thu Jun 11, 2020 7:34 am
Forum: Investing - Theory, News & General
Topic: Thoughts on International Index Funds
Replies: 36
Views: 2432

Re: Thoughts on International Index Funds

Taylor Larimore - Would you agree John Bogle said many times that international is not needed? One example in this 2018 interview (and a trip down memory lane): https://www.morningstar.com/articles/885739/why-jack-bogle-doesnt-own-non-us-stocks "I do not think you need to add international." IndexC...
by IndexCore
Thu Jun 11, 2020 12:03 am
Forum: Investing - Theory, News & General
Topic: Thoughts on International Index Funds
Replies: 36
Views: 2432

Re: Thoughts on International Index Funds

Before I give my view, one more data point from Vanguard: their white paper on global diversification. https://www.vanguard.com/pdf/ISGGEB.pdf Which suggests 20-40% (there's that 20% again) depending on one's ability to tolerate periods of under performance. The 20% allocation gives the highest chan...
by IndexCore
Wed Jun 10, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Thoughts on International Index Funds
Replies: 36
Views: 2432

Re: Thoughts on International Index Funds

Taylor Larimore - Would you agree John Bogle said many times that international is not needed?

One example in this 2018 interview (and a trip down memory lane):
https://www.morningstar.com/articles/88 ... -us-stocks
"I do not think you need to add international."
by IndexCore
Wed Jun 10, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12836

Re: You have a second chance to reduce your stock holdIng

this chart below says it all...intrayear declines happen every year. And they are on average -14% (so half the time intrayear declines are more than 14% and the other half less than 14%). ... I agree with the sentiment, but isn't an "intra year decline" the drop from high to low within that year? F...
by IndexCore
Tue Jun 09, 2020 7:50 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12836

Re: You have a second chance to reduce your stock holdIng

this chart below says it all...intrayear declines happen every year. And they are on average -14% (so half the time intrayear declines are more than 14% and the other half less than 14%). ... I agree with the sentiment, but isn't an "intra year decline" the drop from high to low within that year? F...
by IndexCore
Mon Jun 08, 2020 5:11 am
Forum: Investing - Theory, News & General
Topic: Has U.S oupterformed or has International underperformed?
Replies: 32
Views: 2198

Re: Has U.S oupterformed or has International underperformed?

I like to view the data by decade, where I see International and U.S. trading off who beats who. Using your favorite simulator, compare 100% U.S. stocks to 100% international stocks for 1980-1989 ... 1990-1999 ... 2000 - 2009 ... etc.
by IndexCore
Sun Jun 07, 2020 11:58 pm
Forum: Investing - Theory, News & General
Topic: Value of Liquidity
Replies: 28
Views: 2207

Re: Value of Liquidity

A zero balance HELOC makes an excellent emergency fund. +1. Exactly what we do. Others might not be able to follow that approach, as multiple lenders have frozen new HELOC applications. https://www.bankrate.com/mortgages/home-equity/coronavirus-impacting-helocs/ In the 2008 crisis, I believe lender...
by IndexCore
Sun Jun 07, 2020 11:53 pm
Forum: Investing - Theory, News & General
Topic: How many stocks beat the market?
Replies: 7
Views: 798

Re: How many stocks beat the market?

A few days ago I looked at S&P 500 performance, and then focused on the big 5 tech stocks. Over the past 12 months, the 5 largest companies averaged +52.2% while the rest of the S&P 500 averaged +4.5%. When lock downs shut most retail stores, Amazon did very well. As the economy reopens, we'll find ...
by IndexCore
Sun Jun 07, 2020 11:40 pm
Forum: Investing - Theory, News & General
Topic: How does TLH harvesting help?
Replies: 22
Views: 1108

Re: How does TLH harvesting help?

With 50% loss, I can TLH. I save 32% x $5000 = $1600 in taxes ... Net value after taxes is $30,000 + $1600 - $3750 = $27,850. Why did you put $1,600 in a savings account at 0% interest for decades? The small amount I've subtracted is taxes on the gains of investing $1,600: (Early TLH, $1600 grows t...