Search found 5880 matches

by rkhusky
Sun Dec 16, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Wash Sale Tax and Logistics Question
Replies: 9
Views: 467

Re: Wash Sale Tax and Logistics Question

Buffetologist wrote:
Sun Dec 16, 2018 5:12 am
So if I sold all of the shares in the 401K, it would mitigate the wash sale since the replacement shares would be definitely gone?
Right.
by rkhusky
Sat Dec 15, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: SWTSX to SCHB wash sale??
Replies: 10
Views: 554

Re: SWTSX to SCHB wash sale??

SWTSX is in a taxable account so I could do a little TLH. SCHB is better in that space anyway. Thoughts? Sorry, this should help. SCHB, Schwab US Broad Market ETF - tracks the total return of the Dow Jones U.S. Broad Stock Market Index SWTSX, Schwab Total Stock Market Index Fund - tracks the total ...
by rkhusky
Sat Dec 15, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 19
Views: 1130

Re: convert to TSP Roth or existing brokerage Roth?

4nwestsaylng wrote:
Fri Dec 14, 2018 10:44 pm
I was shocked to hear it may take weeks to process.
I wonder what percentage of TSP employees are on use or lose annual leave? :twisted:
by rkhusky
Fri Dec 14, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 89
Views: 4721

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

No one is going to be on the efficient frontier, but we can all push our portfolios in the north west direction. You can certainly try, but you might find that your plans go awry and you get blown off course and end up going northeast or southwest, or if things go bad, southeast. Since most everyon...
by rkhusky
Fri Dec 14, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 14
Views: 1788

Re: 2018 form 1040 released

RustyShackleford wrote:
Fri Dec 14, 2018 7:47 pm
rkhusky wrote:
Fri Dec 14, 2018 8:22 am
Perhaps most people will not need any schedules. I only need one.
Didn't the old 1040A and 1040EZ address those people ?
Now the IRS doesn't need those alternatives.
by rkhusky
Fri Dec 14, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 89
Views: 4721

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

No one is going to be on the efficient frontier, but we can all push our portfolios in the north west direction. You can certainly try, but you might find that your plans go awry and you get blown off course and end up going northeast or southwest, or if things go bad, southeast. Since most everyon...
by rkhusky
Fri Dec 14, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Dividends in Taxable Account
Replies: 7
Views: 991

Re: Reinvesting Dividends in Taxable Account

The wiki has a page on the topic. I am retired I prefer directing dividends to cash. If you plan on doing tax loss harvesting cash is better. https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account You can just pause re-investment for 30 days. And, if you received a dividend less...
by rkhusky
Fri Dec 14, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 19
Views: 1130

Re: convert to TSP Roth or existing brokerage Roth?

So probably worth taking some pain now in paying out income taxes on the conversion, and higher Medicare Part B rates for a year or two, to free some of that money from the tax deferred account! You may run out of time to get this done. I looked at the processing of my TSP-77 and it actually took a...
by rkhusky
Fri Dec 14, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Dividends in Taxable Account
Replies: 7
Views: 991

Re: Reinvesting Dividends in Taxable Account

The wiki has a page on the topic. I am retired I prefer directing dividends to cash. If you plan on doing tax loss harvesting cash is better. https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account You can just pause re-investment for 30 days. And, if you received a dividend less...
by rkhusky
Fri Dec 14, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Let me ask a question about the effect of rebalancing on "risk"
Replies: 4
Views: 389

Re: Let me ask a question about the effect of rebalancing on "risk"

The least risky from this perspective would be daily rebalancing and the most risky would be annual rebalancing. Here "riskiness" is defined as the range of compounded returns over Time X. Assuming that the stock market goes up over time. During a market decline, the opposite is true - not rebalanc...
by rkhusky
Fri Dec 14, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 14
Views: 1788

Re: 2018 form 1040 released

mariezzz wrote:
Thu Dec 13, 2018 11:00 pm
Edit: I don't think all the extra schedules are an improvement. The main form is shorter, but then you have to add on schedules. I'd rather a 2 page crowded form.
Perhaps most people will not need any schedules. I only need one.
by rkhusky
Fri Dec 14, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 89
Views: 4721

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

Important points: ... though low and negative correlations are important, they’re insufficient. Recognize that you need both lower correlations and good expected returns. Don’t count on past correlations continuing. And always remember that highly correlated assets may have very different returns, e...
by rkhusky
Thu Dec 13, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 14
Views: 1788

Re: 2018 form 1040 released

IRS yesterday released form 1040 for the year 2018. https://apps.irs.gov/app/picklist/list/formsPublications.html?value=1040&criteria=formNumber This will list all the schedules (there are 6 of them) and forms for them https://www.irs.gov/pub/irs-pdf/f1040.pdf is direct link to just the form 1040. ...
by rkhusky
Thu Dec 13, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 562

Re: TLH Help

Ex 1: Buy on day 1, shares go down, and sell on day 15. Sale is allowed and no wash sale. Ex 2: Buy on day 1, shares go down in the next hour, and sell on day 1. Sale is allowed and no wash sale. Ex 3: Buy on day -35. Buy again on day 1, shares go down in the next hour, so sell the same shares just...
by rkhusky
Thu Dec 13, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3933

Re: Being locked out of my account and "research team" will contact me in 72 hours

It turns out the original code was sent because someone successfully logged in after trying a lot of different logins. They didn't get access because they didn't have the code sent to my phone, thanks 2FA! It was the multiple login attempts (and the successful one) that triggered the fraud review. ...
by rkhusky
Thu Dec 13, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 562

Re: TLH Help

I really don’t want to ‘clutter’ my Vanguard account with more funds, by buying another total international similar fund. But at the same time, I would prefer not to be uninvested for 30 days. What do most do? Most buy something that is close, but not substantially identical, like Total Internation...
by rkhusky
Wed Dec 12, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 562

Re: TLH Help

Why sell the ones you bought in the last 30 days? And why buy the 2 funds at the same time? Then you cannot sell one and buy the other the next day. I thought that was the whole point Because of wash sale rules. If you sell for a loss and want to claim the loss on your taxes, it will be disallowed ...
by rkhusky
Wed Dec 12, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Did Vanguard correctly apply the wash sale rule?
Replies: 3
Views: 264

Re: Did Vanguard correctly apply the wash sale rule?

Vanguard might be looking at it as in Example 3. You could call Vanguard and try to get them to see it your way. Or do what Livesoft suggests above.
by rkhusky
Wed Dec 12, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 562

Re: TLH Help

And when you sell all the "red" shares, you might also want to sell all shares bought within the past 30 days, whether or not they have losses.

And don't buy anything substantially identical to the fund(s) that you sell for 30 days afterward.
by rkhusky
Wed Dec 12, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1158

Re: Bathroom scale

The digital scales don't last that long. They don't rust though like the one pictured above ... especially at the fulcrum point. But I don't see why the digital ones don't last. Ours is still doing fine many years since purchase. I think one or more of our load cells went bad. We were getting weigh...
by rkhusky
Wed Dec 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6115

Re: Early retirement mistakes???

I had a near miss. I didn’t know that if I retired in the year I turned 55 or older, I could withdraw from my 401k penalty free. Until I heard that, I was trying to conserve my taxable account by investing in munis and studying the SEPP process in order to make it to 59.5.
by rkhusky
Wed Dec 12, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1158

Re: Bathroom scale

After going through a number of digital bathroom scales that stopped working after a few years, I reverted to an old-school mechanical analog one (think big white dial with black numbers). It's been working great for about a decade now. I think I paid about $20 for it at Target. +1 The digital scal...
by rkhusky
Wed Dec 12, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: CAP Gains Wellington
Replies: 12
Views: 1333

Re: CAP Gains Wellington

Last year the LTCG was $2.57 and the STCG was $0.35.
by rkhusky
Wed Dec 12, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Tax Expert: Charitable Donation Allowed?
Replies: 3
Views: 278

Re: Tax Expert: Charitable Donation Allowed?

J295 wrote:
Wed Dec 12, 2018 9:00 am
May I use my donor advised fund to make a donation?
Submit your suggestion to the administrator of your DAF and see what they say.
by rkhusky
Wed Dec 12, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or VLXVX?
Replies: 4
Views: 472

Re: VTSAX or VLXVX?

I'm 19 and I've put in $11000 into my Roth IRA so far into a VLXVX fund. I started my Roth ira last year and chose a VLXVX because I was still in college and didn't have much time to decide between funds (TD fund seemed good). I've heard that VTSAX is better for young people because of the lower ex...
by rkhusky
Wed Dec 12, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 4010

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

indexonlyplease wrote:
Tue Dec 11, 2018 9:23 pm
I am looking at my dividends for Total Stock Market for 2018. How do I know if they are ordinary or qualified dividends?
The pdf has a column listing the estimated QDI percentage for the whole year.
by rkhusky
Tue Dec 11, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: CAP Gains Wellington
Replies: 12
Views: 1333

Re: CAP Gains Wellington

And this is in addition to whatever was paid out earlier in the year.
by rkhusky
Tue Dec 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Want to help me figure how much I can convert to Roth?
Replies: 27
Views: 2353

Re: Want to help me figure how much I can convert to Roth?

The calculation takes place in the Foreign Earned Income Tax Worksheet (FEITW), which is in the 1040 instructions. The process appears to be as follows: Fill out Form 2555 or 2555-EZ, Total foreign income gets added to line 1 of Form 1040, The exclusion is subtracted from other income on line 21 of ...
by rkhusky
Mon Dec 10, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 19
Views: 1130

Re: convert to TSP Roth or existing brokerage Roth?

So TSP does not allow Roth conversions within TSP, but conversions still can be done outside TSP. If you are married, the TSP-77 needs to be notarized. And you need to be separated from service to withdraw from the TSP. Or 59-1/2; you can make one in-service withdrawal. (This may become more flexib...
by rkhusky
Mon Dec 10, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS Benefit
Replies: 13
Views: 1223

Re: Spousal SS Benefit

**The exception to this statement would be if one spouse is much older than the other, or if one spouse is in extremely poor health. I was thinking more along this line, rather than a statistical optimization. If one or both are unhealthy and/or poor genes. Or the opposite. Might not want to use th...
by rkhusky
Mon Dec 10, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS Benefit
Replies: 13
Views: 1223

Re: Spousal SS Benefit

If the wife's PIA is more than 1/2 the husbands PIA, as above, there is no spousal benefit. Yup, that's why I said she would receive only her own benefit. :D ... will only receive only her own benefit because it is larger than her spousal benefit would be. OK. Would've been a bit clearer if it said...
by rkhusky
Mon Dec 10, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS Benefit
Replies: 13
Views: 1223

Re: Spousal SS Benefit

If your age 70 benefit is $3,000 that implies your PIA (Primary Insurance Amount) is about $2,273. If your wife is 60 (birth year 1958), her FRA (Full Retirement Age) is 66 yr 8 mo. If your wife's PIA (her own benefit at FRA) is (say) $1,350, her benefit at age 62 will be about $967 (28.33% reducti...
by rkhusky
Mon Dec 10, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Index Fund
Replies: 3
Views: 405

Re: Investing in Index Fund

Impossible to know without seeing your current and desired asset allocations, and the amount that you have available to invest.
by rkhusky
Mon Dec 10, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS Benefit
Replies: 13
Views: 1223

Re: Spousal SS Benefit

Her spousal benefit would be based in your benefit at your Fra minus a reduction for claiming early Plus she would be deemed to have also applied for her own benefit, which would also be permanently reduced for filing early. There are some examples on the wiki of how the calculation works for those...
by rkhusky
Mon Dec 10, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 19
Views: 1130

Re: convert to TSP Roth or existing brokerage Roth?

4nwestsaylng wrote:
Mon Dec 10, 2018 5:15 pm
So TSP does not allow Roth conversions within TSP, but conversions still can be done outside TSP.
If you are married, the TSP-77 needs to be notarized.

And you need to be separated from service to withdraw from the TSP.
by rkhusky
Mon Dec 10, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Want to help me figure how much I can convert to Roth?
Replies: 27
Views: 2353

Re: Want to help me figure how much I can convert to Roth?

I thought income other than that excluded by FEIE was taxed as if the FEIE wasn't there. +1 https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion Figuring the tax: Beginning with tax year 2006, a qualifying individual claiming the foreign earned income exclusion, t...
by rkhusky
Mon Dec 10, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 19
Views: 1130

Re: convert to TSP Roth or existing brokerage Roth?

I want to do a conversion of $100k before the end of this tax year. I have an existing Roth with a broker. My 401k is the TSP. I think I could open a TSP Roth and convert within the TSP, or else I can do a conversion out of the TSP and just have the one brokerage Roth. If you have a TSP, would appr...
by rkhusky
Mon Dec 10, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Want to help me figure how much I can convert to Roth?
Replies: 27
Views: 2353

Re: Want to help me figure how much I can convert to Roth?

If you take the standard deduction, you get $24K taxed at 0%.

How much of your cap gains are long term? How much of your dividends are qualified? They should all be taxed at 0% if you are in the 12% tax bracket and below.
by rkhusky
Mon Dec 10, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: TLH to purchase 2019 Roth
Replies: 5
Views: 276

Re: TLH to purchase 2019 Roth

There is a 60 day holding period in order for any dividends associated with those shares to be considered qualified dividends and taxed at the long term cap gain rate.
by rkhusky
Mon Dec 10, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency and Vanguard target retirement funds
Replies: 7
Views: 984

Re: Tax efficiency and Vanguard target retirement funds

That would be fine if you want to start with an approximately 50/50 allocation through retirement and don't intend to rebalance the portfolio. It would be difficult to rebalance between stocks and bonds, if all bonds were in tax-advantaged and all stocks in taxable. Rebalancing between US and Intern...
by rkhusky
Mon Dec 10, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

I'm recently considering using Vanguard U.S. Multifactor ETF (VFMF) to replace Total Stock market in my 3-fund portfolio. I may start contributing new money to VFMF in the future. But now this thread makes me hesitant again :confused What is your reasoning behind making the switch? Do you need to t...
by rkhusky
Sun Dec 09, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard could not complete transactions last Thursday - says will be done on Monday
Replies: 9
Views: 1398

Re: Vanguard could not complete transactions last Thursday - says will be done on Mondya

I had a scheduled transaction get pushed to Friday. Glad I didn’t cut things too close, such that I bounce some payments.
by rkhusky
Sun Dec 09, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

I see nothing in the referenced paper that says that one cannot combine return variance, with something like a "recession factor", to create an overall measure of risk. And, even if one wanted to move to an n-dimensional risk vector, then the efficient frontier would just become a single n-dimensio...
by rkhusky
Sun Dec 09, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

If there is more than one risk factor then there must, by definition, be more than one efficient frontier. If return is a function of risk, then for each value of risk there can only be one return that is the highest. If there is more than one risk factor, you can no longer conceptual risk/return i...
by rkhusky
Sun Dec 09, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Another Roth vs. Traditional question
Replies: 29
Views: 1660

Re: Another Roth vs. Traditional question

And to clarify my points above, I think your age makes a difference in how to "tilt" Roth v. Traditional 401k. There is more certainty about the points I raise if you are closer to retirement. For those of us 20-30 years out, I think diversifying your tax strategy is not dissimilar to a passive inv...
by rkhusky
Sun Dec 09, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

If there is more than one risk factor then there must, by definition, be more than one efficient frontier. If return is a function of risk, then for each value of risk there can only be one return that is the highest. If there is more than one risk factor, you can no longer conceptual risk/return i...
by rkhusky
Sun Dec 09, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

vineviz wrote:
Sat Dec 08, 2018 10:57 pm
If there is more than one risk factor then there must, by definition, be more than one efficient frontier.
If return is a function of risk, then for each value of risk there can only be one return that is the highest.
by rkhusky
Sat Dec 08, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

So, just adding partially correlated assets does not necessarily improve efficiency. And factor investing increases risk with the expectation of increasing return. Factor investing should increase portfolio efficiency: either increase return and increase Sharpe ratio, or if comcomitantly increase b...
by rkhusky
Sat Dec 08, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5170

Re: Ignored Risks of Factor Investing

So, just adding partially correlated assets does not necessarily improve efficiency. And factor investing increases risk with the expectation of increasing return. Factor investing should increase portfolio efficiency: either increase return and increase Sharpe ratio, or if comcomitantly increase b...
by rkhusky
Sat Dec 08, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: TaxCaster for 2018 estimated taxes
Replies: 10
Views: 1129

Re: TaxCaster for 2018 estimated taxes

I love the increased child tax credit.