Search found 460 matches

by DoubleClick
Tue Mar 31, 2020 2:31 am
Forum: Personal Investments
Topic: If you have loss harvested - check your "Realized Gains/Losses"
Replies: 14
Views: 1445

Re: If you have loss harvested - check your "Realized Gains/Losses"

Glad they fixed it, but this is the kind of unnecessary headache and pain that I've also run into with Vanguard software of late.
by DoubleClick
Sun Mar 29, 2020 4:57 pm
Forum: Personal Investments
Topic: 60/40 is dead?
Replies: 25
Views: 3162

Re: 60/40 is dead?

Yeah totally, 60/40 is dead.

I hear 61/39 is the new 60/40. Or 59/41. Either works, really.
by DoubleClick
Sat Mar 28, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 161
Views: 9109

Re: What will you do first, once COVID pandemic is over?

A thread about year 2022. How cool! :P
by DoubleClick
Fri Mar 27, 2020 8:31 pm
Forum: Investing - Theory, News & General
Topic: [NY Times:] I Became a Disciplined Investor Over 40 Years. The Virus Broke Me In 40 Days.
Replies: 56
Views: 9711

Re: I Became a Disciplined Investor Over 40 Years. The Virus Broke Me In 40 Days.

I have a hard time empathizing with the author. If he’s buying every 10% dip that means he keeps a fair amount of cash around. If he’s buying 10% dips he’s certainly timing and losing to the market. If he’s nauseated by the 30% drop in March his asset allocation was too aggressive. For someone who’...
by DoubleClick
Fri Mar 27, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 105
Views: 20612

Re: Paying $20 to E-File State Return

Never. I always print and mail. For one reason: H&R and TurboTax lobby against making free efiling. This is partly why my state doesn't offer free efiling on their own website if you have anything more than the simplest return. I don't want my $20 to go towards making things worse for me and my fell...
by DoubleClick
Mon Mar 23, 2020 8:12 pm
Forum: Personal Investments
Topic: Wash Sale question
Replies: 16
Views: 580

Re: Wash Sale question

Is the basis of those 4 shares not adjusted, and then you get the effect of the loss if you sell them even after day 95? Ah got it. It's not that I can now eliminate the wash sale itself, but I can revert the effect of it by selling those 4 shares now. The wash sale (of 4 shares) already occurred o...
by DoubleClick
Mon Mar 23, 2020 3:25 pm
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Timing a TLH: critique my strategy

In this example, the sale of say, B, is not a wash because *all* of it was sold? I.e., the fact that they were purchased just a day before doesn't matter because if *all* of one's position in that stock is sold, there is no question of replacement shares? Is this right? It doesn't even have to be a...
by DoubleClick
Mon Mar 23, 2020 3:20 pm
Forum: Personal Investments
Topic: Wash Sale question
Replies: 16
Views: 580

Re: Wash Sale question

Related question, also covered a few times, but confirmation would be good: Day 1: buy 200 VTI Day 60: buy 20 VTI Day 92: buy 4 VTI due to reinvesting of dividends Day 95: sell 20 VTI (specifically identifying the ones bought 35 days ago) at a loss. Did I generate a wash sale because of the dividen...
by DoubleClick
Mon Mar 23, 2020 12:30 pm
Forum: Personal Investments
Topic: Wash Sale question
Replies: 16
Views: 580

Re: Wash Sale question

Related question, also covered a few times, but confirmation would be good: Day 1: buy 200 VTI Day 60: buy 20 VTI Day 92: buy 4 VTI due to reinvesting of dividends Day 95: sell 20 VTI (specifically identifying the ones bought 35 days ago) at a loss. Did I generate a wash sale because of the dividend...
by DoubleClick
Mon Mar 23, 2020 12:06 pm
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Timing a TLH: critique my strategy

Assuming VTI, ITOT and SCHB are not "substantially identical", there is no wash sale. From the Bogleheads wiki on Tax Loss Harvesting : If you sell Total Stock Market with losses and buy back the same fund within 30 days before or after the sale, that would be called a wash sale, and you cannot cla...
by DoubleClick
Mon Mar 23, 2020 4:23 am
Forum: Personal Investments
Topic: Can rebalancing increase my returns?
Replies: 8
Views: 667

Re: Can rebalancing increase my returns?

Beyond the basic math, is there a rebalancing bonus? I've been reading a few articles to find out. It turns out that the answer is not simple. This article is a good summary of several other peer-reviewed articles which show the conditions under which a rebalanced portfolio outperforms on that isn't...
by DoubleClick
Mon Mar 23, 2020 3:31 am
Forum: Personal Investments
Topic: Can rebalancing increase my returns?
Replies: 8
Views: 667

Re: Can rebalancing increase my returns?

Makes sense, thanks much for the explanation and example, DonIce. :happy
by DoubleClick
Mon Mar 23, 2020 3:01 am
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 12670

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

Enzo IX wrote:
Sun Mar 22, 2020 6:28 pm
Well at least 5% loss of a 70% remaining portfolio is getting to be less of a dollar amount.
Ha. Well played sir/ma'am, well played. :D
by DoubleClick
Mon Mar 23, 2020 2:35 am
Forum: Personal Investments
Topic: Can rebalancing increase my returns?
Replies: 8
Views: 667

Can rebalancing increase my returns?

Can rebalancing increase my returns, or is the only reason to do it to control risk? I see many mentions of people saying they "rebalanced all the way to the bottom" and "rebalanced back to the top," thus increasing their returns. I'm trying to figure out the math behind this. Simply rebalancing on ...
by DoubleClick
Mon Mar 23, 2020 2:29 am
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Market timing a TLH: critique my strategy

I tax loss harvested from VTI (Vanguard Total Market) to ITOT (Ishares Total Market) 2 weeks ago....market dropped more the week after, so I went from ITOT to SCHB (Schwab total market) this past Friday... Doesn't this generate a wash sale? Mar 1: Sell VTI, buy ITOT --> claim a loss on VTI Mar 15: ...
by DoubleClick
Mon Mar 23, 2020 2:27 am
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Market timing a TLH: critique my strategy

Or you could TLH now in hopes that the market will go up from here. If you don't TLH now and the market goes up, you've lost an opportunity unless the market comes back down. Any way you look at it, choosing to do something "in hopes that the market will _____" is a form of market timing. Doesn't m...
by DoubleClick
Mon Mar 23, 2020 2:25 am
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Market timing a TLH: critique my strategy

TLH now, if it drops more TLH again into something not substanially identical whatever that means. This is not possible due to wash sale rules. You have to wait 30 days. The market could come back up by then. To be fair I don't know what ORNG is so not sure if there is something similar. ORNG is a ...
by DoubleClick
Sun Mar 22, 2020 11:32 pm
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Re: Market timing a TLH: critique my strategy

nps wrote:
Sun Mar 22, 2020 6:50 pm
You can TLH tomorrow and again on Friday. You haven't lost any opportunities.
Not really. If I bought ORNG at $100 and if ORNG is $85 now, I can TLH now and use up my opportunity, or wait and hope it goes down further.
by DoubleClick
Sun Mar 22, 2020 6:39 pm
Forum: Personal Investments
Topic: Timing a TLH: critique my strategy
Replies: 15
Views: 708

Timing a TLH: critique my strategy

No no, not that type of market timing. But a timing question, nevertheless. I can TLH now, or wait to TLH in the hopes that the market will go down further. If I TLH now, and the market goes down, I've lost an opportunity, unless the market stays down for 30 days or more, and I can TLH again. Is thi...
by DoubleClick
Sun Mar 22, 2020 6:30 pm
Forum: Personal Investments
Topic: TLH: VTSAX -> VLCAX -> VTIAX -> ???
Replies: 31
Views: 1749

Re: TLH: VTSAX -> VLCAX -> VTIAX -> ???

Also see this thread for TLH partners: viewtopic.php?f=1&t=307954
by DoubleClick
Sun Mar 22, 2020 6:30 pm
Forum: Personal Investments
Topic: TLH -- looking for partners!!
Replies: 43
Views: 2148

Re: TLH -- looking for partners!!

Also see this thread for TLH partners: viewtopic.php?f=1&t=307954
by DoubleClick
Sun Mar 22, 2020 6:30 pm
Forum: Personal Investments
Topic: TLH and non-Wash fund recommendations?
Replies: 9
Views: 255

Re: TLH and non-Wash fund recommendations?

Also see this thread for TLH partners: viewtopic.php?f=1&t=307954
by DoubleClick
Sat Mar 21, 2020 8:49 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 278
Views: 14578

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

I'm an investor that started during this long Bull Market and this rapid market decline, with circuit breakers going off, is scaring the living hell out of me. This looks different and feels different. Everything is shutting down. I've made the post here because I started in equities based on Jack ...
by DoubleClick
Fri Mar 20, 2020 4:04 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12244

Re: Sage forum people what are the right lessons to draw from this crash?

And the USA is still not taking the extreme measures required in most parts of the country. Everyone seems to have moved on from this virus, as if we've suffered a bit, but we've learned a lot. Sure, we have to stay isolated for another week or two, but then it's business as usual! But we haven't e...
by DoubleClick
Fri Mar 20, 2020 3:23 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12244

Re: 2020 COVID Crash Lessons

Limit orders are more dangerous than market orders because you leave yourself open to better informed traders (typically a professional market maker, now usually algorithmic high frequency traders). They can pick off your open limit order when they detect a price change ahead of you. When volatilit...
by DoubleClick
Fri Mar 20, 2020 1:47 am
Forum: Investing - Theory, News & General
Topic: When is Vanguard history updated?
Replies: 4
Views: 406

Re: When is Vanguard history updated?

Arrgh. Sounds about right, livesoft: it updated nearly 2 days after the trade.

Indeed, I can't believe a trillion dollar "brokerage" has a computer system of this sort.
by DoubleClick
Thu Mar 19, 2020 4:06 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12244

Re: 2020 COVID Crash Lessons

Terrific lessons, thanks for sharing, MrSpock! Thank you for saving others the losses you had to go through in learning these. Lesson #2 : When TLH'ing, execute simultaneous exchanges of the two funds involved in the TLH. This can be accomplished via two simultaneous orders in Schwab ("Go to classi...
by DoubleClick
Thu Mar 19, 2020 4:04 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12244

Re: 2020 COVID Crash Lessons

Limit orders are more dangerous than market orders because you leave yourself open to better informed traders (typically a professional market maker, now usually algorithmic high frequency traders). They can pick off your open limit order when they detect a price change ahead of you. When volatilit...
by DoubleClick
Thu Mar 19, 2020 1:26 am
Forum: Investing - Theory, News & General
Topic: When is Vanguard history updated?
Replies: 4
Views: 406

When is Vanguard history updated?

All my mutual fund orders from yesterday show up. However, none of my ETF/stock orders from yesterday that executed show up in the .csv (or quicken) download. All of them show up in the web page. It's been over 24 hours. Anyone know when to expect these to update? Is there a problem with my account?
by DoubleClick
Thu Mar 19, 2020 1:24 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12244

Re: 2020 COVID Crash Lessons

Terrific lessons, thanks for sharing, MrSpock! Thank you for saving others the losses you had to go through in learning these. Lesson #2 : When TLH'ing, execute simultaneous exchanges of the two funds involved in the TLH. This can be accomplished via two simultaneous orders in Schwab ("Go to classic...
by DoubleClick
Wed Mar 18, 2020 1:04 pm
Forum: Personal Investments
Topic: VSMAX/VEXAX TLH Partner
Replies: 2
Views: 95

Re: VSMAX/VEXAX TLH Partner

Also see/post your question in this thread:
viewtopic.php?f=1&t=307954&newpost=5108157
by DoubleClick
Wed Mar 18, 2020 12:43 pm
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 9
Views: 684

Re: TLH partners

Here's a "tried-and-tested" table from Wealthfront (only ETFs):

https://support.wealthfront.com/hc/en-u ... arvesting-
by DoubleClick
Wed Mar 18, 2020 11:02 am
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 9
Views: 684

Re: TLH partners

Requesting partners for International: Partners for VEA in addition to VEU and VXUS?


Partners for bonds: BND, VBTLX?
by DoubleClick
Tue Mar 17, 2020 2:37 am
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 9
Views: 684

Re: TLH partners

VLCAX/VV (Large Cap) looks like a good partner to VTSAX/VTI, thanks anon_investor.
by DoubleClick
Tue Mar 17, 2020 1:54 am
Forum: Personal Investments
Topic: TLH timeline question
Replies: 12
Views: 508

Re: TLH timeline question

I'm confused. What happens if I:

T: Buy X shares of VOO because of a dividend reinvestment
T+10: Sell 10*X shares of VOO and claim a loss

Can I count the loss from all 10*X shares, or only from 9*X because X shares were a wash?
by DoubleClick
Tue Mar 17, 2020 1:48 am
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 9
Views: 684

Re: TLH partners

First question: I have equal amounts to TLH in both Vanguard 500 Index (VFIAX, VOO), and Vanguard Total Stock Market Index (VTSAX, VTI). What can I buy to TLH out of both of them? Thank you.
by DoubleClick
Tue Mar 17, 2020 1:46 am
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 9
Views: 684

TLH partners: domestic, international, bonds, it's all here.

Thought I'd start a master thread where we can collect TLH "partners", and post questions about them.

Partner list:
Domestic equities:
VFIAX (VOO), VTSAX (VTI), VLCAX (VV), ITOT, VONE

International:
VTIAX (VXUS), VFWAX, IXUS, VEU, IEFA, SCHF


What are you TLH'ing out of/into?
by DoubleClick
Sun Mar 15, 2020 7:37 pm
Forum: Personal Investments
Topic: TLH: Do I need to replace for tlh? Can I just sell
Replies: 10
Views: 492

Re: TLH: Do I need to replace for tlh? Can I just sell

Yes, selling suffices. Buying is not necessary.
by DoubleClick
Fri Mar 13, 2020 4:54 am
Forum: Personal Investments
Topic: First time TLH. Advice appreciated.
Replies: 1
Views: 160

Re: First time TLH. Advice appreciated.

1. Correct, that doesn't make sense. Instead, TLH each fund separately (eg: VTSAX->VFIAX), and maintain your asset allocation. 2. Correct, no need to sell. Most folks simply maintain fund pairs 3. Unfortunately, "confidence" about what the market is going to do is a big cause of losses. Your guess i...
by DoubleClick
Fri Feb 21, 2020 2:18 am
Forum: Personal Finance (Not Investing)
Topic: How much do I make after taxes? Help with calculation
Replies: 11
Views: 1274

Re: How much do I make after taxes? Help with calculation

Aguilar wrote:
Thu Feb 20, 2020 1:04 am
Is there a calculator out there that handles bonuses and RSUs as well? They’re taxed differently than salary.
They're taxed exactly the same.
by DoubleClick
Fri Feb 21, 2020 2:15 am
Forum: Personal Finance (Not Investing)
Topic: RSU Vesting vs Income
Replies: 13
Views: 1285

Re: RSU Vesting vs Income

hachiko wrote:
Thu Feb 20, 2020 9:05 pm
I think many of the responses are confusing income earned while a resident with income earned from sources within a state.
+10
by DoubleClick
Fri Feb 21, 2020 2:12 am
Forum: Personal Consumer Issues
Topic: Is it safe to reuse glass (Gerolsteiner) water bottles
Replies: 35
Views: 2657

Re: Is it safe to reuse glass (Gerolsteiner) water bottles

Teague wrote:
Thu Feb 20, 2020 1:48 pm
I know of no evidence that this practice caused harm or problenns with our metnal develobment.
Hahahah. Nice!
by DoubleClick
Fri Feb 21, 2020 2:07 am
Forum: Personal Investments
Topic: Help consolidating accounts
Replies: 6
Views: 589

Re: Help consolidating accounts

Just a note of caution with Old 401K accounts. I've had previous employers change my account expenses once I was no long employed there, raising the expenses to me significantly. So, I made a practice of rolling over to IRA so I could keep costs under my control. +1. OP, since you want to simplify ...
by DoubleClick
Fri Feb 21, 2020 2:05 am
Forum: Personal Investments
Topic: Help consolidating accounts
Replies: 6
Views: 589

Re: Help consolidating accounts

mentos wrote:
Fri Feb 21, 2020 1:31 am
Is rolling over to IRA better than rolling over to new 401k? I already do backdoor Roth so I'm not sure if I can do this.
No, it's worse. You ideally want $0 in your IRA account if you do backdoor Roth. Rolling it over to your current 401K should be your first choice.
by DoubleClick
Tue Feb 18, 2020 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I switch my 100k Savings to Wealthfront from Ally for an extra 0.20% APY
Replies: 16
Views: 2257

Re: Should I switch my 100k Savings to Wealthfront from Ally for an extra 0.20% APY

Instead consider why you have 100K in cash, if you are going to buy something soon, then no change. If you are not going to buy something soon, why is the money in cash? J My bad. 100k in Savings account not cash. Savings is same as cash in this context. Juice3 is asking a good question. Your 100k ...
by DoubleClick
Mon Feb 17, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: do you check your taxes when using tax software?
Replies: 54
Views: 3575

Re: do you check your taxes when using tax software?

Verification of correct filing has been one of the biggest challenges for me. For many years, I used H&R software (unwillingly, but that's another topic), and also filled out everything by hand to cross check the software. However, I got lazy with the hand filling, and eventually noticed I had let s...
by DoubleClick
Mon Feb 17, 2020 6:37 pm
Forum: Personal Investments
Topic: im wanting a small correction very soon
Replies: 78
Views: 4790

Re: im wanting a small correction very soon

I'm wanting $10 million very soon...