Search found 3863 matches

by Artsdoctor
Mon Jun 17, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: 5 Million Into Fixed Income
Replies: 37
Views: 5071

Re: 5 Million Into Fixed Income

^ You may definitely have the ability to take on risk with a large portfolio but you may not want to. Your S&P 500 fund may be throwing off 2% in dividends now but if it loses 50% of its value during a bear market, the quality of your life may be impacted. I can't really imagine any scenario when yo...
by Artsdoctor
Mon Jun 17, 2019 8:48 am
Forum: Personal Investments
Topic: Convert my VG mutual funds to ETFs to save basis points?
Replies: 39
Views: 2278

Re: Convert my VG mutual funds to ETFs to save basis points?

Allan Roth did a nice synopsis on this. The upshot is that it's generally not worth the trouble after all is said and done but take a look at his explanations: https://finance.yahoo.com/news/converting-vanguard-mutual-funds-etfs-203000184.html Thanks. This is helpful. I was wondering how Vanguard w...
by Artsdoctor
Mon Jun 17, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

^ I don't think it's "too good to be true" because you're paying for the CMA through forfeited interest. While you can keep your CMA balance at $0 with a backup higher-earning money market account linked to your cash account, reading previous posts will underscore that this is not fool-proof and tha...
by Artsdoctor
Sun Jun 16, 2019 11:27 am
Forum: Personal Investments
Topic: Convert my VG mutual funds to ETFs to save basis points?
Replies: 39
Views: 2278

Re: Convert my VG mutual funds to ETFs to save basis points?

Allan Roth did a nice synopsis on this. The upshot is that it's generally not worth the trouble after all is said and done but take a look at his explanations:

https://finance.yahoo.com/news/converti ... 00184.html
by Artsdoctor
Sun Jun 16, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: 5 Million Into Fixed Income
Replies: 37
Views: 5071

Re: 5 Million Into Fixed Income

There was recently a thread about asset allocation for a high net worth ($10M) individual. Let’s assume he chooses a 50/50 bond/stock allocation for the sake of argument. This means he has $5M to invest in bonds – which is quite a bit! Many people suggested some of the following fixed income invest...
by Artsdoctor
Sat Jun 15, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

Anyone had this issue before? I entered the information from the fidelity checks (routing/account) into one of my biller's sites to pay that balance. A few days later fidelity send's me an email that the "direct debit couldn't be completed due to insufficient cash to cover the debit". Technically t...
by Artsdoctor
Sat Jun 15, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

recently did an ATM withdrawal and it showed up as 'debit card purchase', hoping the reimbursement actually takes place because contrary to what ive read on this forum it should be 'instant' (?) but the Fidelity chat rep I spoke to said to give it 2-3 business days...the rep couldn't verify if it w...
by Artsdoctor
Sat Jun 15, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

One other question before I go the Fidelity one stop shop. Does Fidelity allow autopay accounts? What I'm talking about is, in this specific case, my Medicare AARP-UHC Medigap insurance. They give a $5 discount with autopay, which allows them to pull their payment from my account monthly. I'm not s...
by Artsdoctor
Fri Jun 14, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS
Replies: 25
Views: 1544

Re: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS

I was mostly trying to prove to myself that under the right circumstances, it's ok to have a LS fund (or similar) in taxable if you can justify it. That the "no LS funds in taxable" is not a hard and fast rule that can't(or shouldn't) be violated. I've convinced my self of this.....hope I convinced...
by Artsdoctor
Thu Jun 13, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS
Replies: 25
Views: 1544

Re: Cost of LifeStrategy Mod Grwth in Taxable VS Three Fund Portfolio plus VPAS

I think you did a nice job with your calculations. I agree with your goal of focusing on simplicity. You might not have to pay 0.3% on the entire $2M. As noted upstream, I would (try to) exclude the tax-deferred from the PAS figure. You can use all three individual funds in your taxable account (tot...
by Artsdoctor
Thu Jun 13, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6440

Re: What do business pros wear on redeye Business Class flights

Thanks for all the replies. I decided to wear comfortable khakis and a polo, and I had an easily accessible pair of sweats and a t shirt in my carry on. Everyone else was basically dressed the same, and since no one changed, I didn’t either. It worked. Two things I learned: -I got everything into a...
by Artsdoctor
Thu Jun 13, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8266

Re: The Case Against ETFs

Your #2 is an illusion and is actually worse for mutual funds. Mutual funds have more cash drag than ETFs. The cash is still sitting in a bank account, just on the other side of the fund. Mutual funds are more inefficient in this regard. I don’t understand. If I have $500, I can invest all of it in...
by Artsdoctor
Thu Jun 13, 2019 9:08 am
Forum: Personal Investments
Topic: Donor Advised Fund - what to contribute
Replies: 18
Views: 1109

Re: Donor Advised Fund - what to contribute

Thanks to everyone for your thinking so far. OK, more detail about the funds, amounts and cost basis... Two Goals: A. Minimize taxes. B. Long term to have most assets in this account sitting in low ER broad-based passive funds like VTSAX. I plan to move $160K into a DAF this year. I am in a high ta...
by Artsdoctor
Wed Jun 12, 2019 9:09 am
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2175

Re: HSA - Save Reciepts When Paying Bills?

Just curious.....I'd like to hear from anyone here that has been asked by the IRS to provide receipts to substantiate HSA withdrawals. First hand accounts only. I withdrew over $24k from my HSA in TY2018, do have receipts to substantiate the withdrawal, but don't really expect any questions from th...
by Artsdoctor
Wed Jun 12, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?
Replies: 23
Views: 2197

Re: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?

If you want to DCA small amounts, you should do it. For me, the small lots have proven to be a nuisance and I've consolidated over the years to make things simpler by getting rid of smaller lots in a variety of ways. I turned off my reinvestment of dividends years ago and made only monthly contribu...
by Artsdoctor
Tue Jun 11, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2424

Re: Does it make sense to buy Part D if you are subject to IRMAA?

I can assure you that there are many medications that are extremely expensive which have nothing to do with cancer. Some will be used in the short term, some in the medium term, and some perpetually. Part D premiums are not that expensive even with IRMAA although the plans leave a lot to be desired....
by Artsdoctor
Tue Jun 11, 2019 5:57 pm
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2175

Re: HSA - Save Reciepts When Paying Bills?

I don't believe we yet have a good feel for how much rigor the IRS is going to put into qualified HSA withdrawal backup. At a minimum, I'm keeping electronic copies of all backup. Paper receipts are cumbersome and many of them fade to unreadable after only a few years. that's one of the reasons I d...
by Artsdoctor
Tue Jun 11, 2019 5:17 pm
Forum: Personal Investments
Topic: Donor Advised Fund - what to contribute
Replies: 18
Views: 1109

Re: Donor Advised Fund - what to contribute

I've recently opened a Donor Advised Fund. I will make a contribution from my taxable Vanguard brokerage account. The questions is how should I select the funds to contribute from my taxable account - I have some highly appreciated assets, as well as some funds with moderate/low LTCG but with high ...
by Artsdoctor
Tue Jun 11, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?
Replies: 23
Views: 2197

Re: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?

In a taxable account, if someone is dollar cost averaging and buying a little bit of stock every month for 30 years, will that result in a tax preparation nightmare when this person starts selling after so many years? How does one keep track of cost-basis after so many monthly purchases over 30 yea...
by Artsdoctor
Sun Jun 02, 2019 2:14 pm
Forum: Personal Investments
Topic: AZ (State of Arizona) Municipal Bond Ideas?
Replies: 12
Views: 573

Re: AZ (State of Arizona) Municipal Bond Ideas?

Look around NAZ or MZA. Both are closed end AZ muni funds. Also you might look at FSAZX or ETAZX mutual funds. I do not know much about them except Google says they are az specific funds. Fidelity never ceases to amaze me. An Arizona-specific muni fund! Still, I'd have to have an awfully high margi...
by Artsdoctor
Sun Jun 02, 2019 2:04 pm
Forum: Personal Investments
Topic: AZ (State of Arizona) Municipal Bond Ideas?
Replies: 12
Views: 573

Re: AZ (State of Arizona) Municipal Bond Ideas?

Arizona occupies 1.6% of the market share in US municipal bond market. It is too small a market to being able to support a double tax free municipal bond fund. Awesome, that was not what I didn't know. That must be the reason why I cannot find anything. Then I will have to go with VTEB I guess. Tha...
by Artsdoctor
Sun Jun 02, 2019 1:58 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11959

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Age 29 and 25% in stocks -- and it'll never go higher. :D I can certainly understand your reluctance to have a substantial percantage in equities. I don't mean to generalize, but if you were born in 1990, the bear markets of 2001 and 2008 were part of your most formative years, and I'm sure that th...
by Artsdoctor
Thu May 30, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11959

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Sandtrap, Our portfolio appears to mirror yours in a pretty consistent way. We're 60 and have scaled back considerably to 1/2 to 2/3 time at work. We'd like to continue this just because we both like our jobs. We have an LMP "per Dr. Bernstein" which will encompass years 65-85, roughly (TIPS ladder...
by Artsdoctor
Thu May 30, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates
Replies: 68
Views: 6469

Re: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates

Pward, Thanks! That makes sense. Would I stick with a long treasury until I liquidate in retirement or change the duration of the bond from long to intermediate to short as I gradually get closer to retirement? Most investors will optimally hold mostly long-term bonds even at retirement age, since ...
by Artsdoctor
Wed May 29, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates
Replies: 68
Views: 6469

Re: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates

Pward, Thanks! That makes sense. Would I stick with a long treasury until I liquidate in retirement or change the duration of the bond from long to intermediate to short as I gradually get closer to retirement? Most investors will optimally hold mostly long-term bonds even at retirement age, since ...
by Artsdoctor
Wed May 29, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11959

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

Sandtrap, Our portfolio appears to mirror yours in a pretty consistent way. We're 60 and have scaled back considerably to 1/2 to 2/3 time at work. We'd like to continue this just because we both like our jobs. We have an LMP "per Dr. Bernstein" which will encompass years 65-85, roughly (TIPS ladder)...
by Artsdoctor
Mon May 27, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct a loss for non-paying patients?
Replies: 48
Views: 3532

Re: Can I deduct a loss for non-paying patients?

One of the hospitals I work at has a pretty bad payer mix -- I'm told the physicians only collect 30% from billing because a lot of patients are Medical (Medicaid) and Medicare that denies the charges. Am I able to deduct these as losses? No, you cannot deduct any losses. Perhaps you're describing ...
by Artsdoctor
Wed May 22, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 76
Views: 8098

Re: We’ve won the game...but how do we stop playing?

Hi all. I love William Bernstein’s quote “ If you’ve won the game, stop playing .” But here is the issue: My grandmother has held seceral sector funds at Vanguard for decades (Healthcare, etc.) She has done extraordinarily well over many many years. (She has a very low portion in bonds. She is prob...
by Artsdoctor
Wed May 22, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14644

Re: just a general comment about "too conservative" investors here

yousha wrote:
Wed May 22, 2019 4:50 pm
At 80 years of age, I have 75% in equities. Portfolio is $5.7 million. Doing exceptionally well.
At this point, you are investing for your heirs, not yourself (unless you're annual expenses are in the 10% range of your current portfolio . . . ).
by Artsdoctor
Wed May 22, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14644

Re: just a general comment about "too conservative" investors here

Nicely put. I agree with everything you've said. This has been a very, very long bull market and there are plenty of people who have forgotten the 2008-2009 meltdown (or simply did not live through it). Your views are always very helpful and you're not obligated to do anything other than give an hon...
by Artsdoctor
Fri May 10, 2019 4:06 pm
Forum: Personal Investments
Topic: I Don't See Great Benefits to ROTH Conversion for Us. Help Me
Replies: 52
Views: 5803

Re: I Don't See Great Benefits to ROTH Conversion for Us. Help Me

You're getting a variety of viewpoints above. One clarification: there was a point above regarding the 5-year rule of Roth conversions. It is true that if you're under 59-1/2, you may be subject to penalties under certain circumstances. However, you're over 59-1/2 so you won't have any penalties. Mi...
by Artsdoctor
Tue May 07, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: How to reduce dividends?
Replies: 27
Views: 4954

Re: How to reduce dividends?

Responding to the OPs questions 1. Yes - both are diversified but VTCLX is a blend of growth and value and should be similar long term to VTSAX although Grabiner who has posted excellently on this topic has looked at tax efficiency and has written previously that only in the top tax bracket is the ...
by Artsdoctor
Tue May 07, 2019 6:34 pm
Forum: Personal Investments
Topic: Higher Return vs Higher Dividend
Replies: 6
Views: 778

Re: Higher Return vs Higher Dividend

Hello, I am debating between two different funds in my 401k. Here is info on the funds: Fund Category 1 3 5 10 All Expense Ratio Dividend Frequency Large Cap Growth 17% 18% 14% 16% 10% 0.05 $0.39 annual S&P 500 13% 14% 11% 15% 7% 0.02 $1.51 quarterly So my question is mathematically, is it better t...
by Artsdoctor
Tue May 07, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Taxable-equivalent yield calculator (Vanguard)
Replies: 8
Views: 1268

Re: Taxable-equivalent yield calculator (Vanguard)

I developed various TEY formulas in this post: Taxable Equivalent Yield (TEY) . It's pretty straightforward to calculate TEY yourself, but as indicated above, it's important to use your actual marginal tax rate(s), which could very well be different than your tax bracket(s). I agree that the best w...
by Artsdoctor
Mon Apr 29, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

A word of caution to those who plan to rely on the auto redemption and sweep of money from Fidelity's brokerage to cash account. I used to keep a $0 balance in the cash account and every payment was swept from brokerage. Over the Easter holiday weekend, when banks were open Good Friday but the stoc...
by Artsdoctor
Sat Apr 27, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 735
Views: 77914

Re: Fidelity as a one stop shop

A word of caution to those who plan to rely on the auto redemption and sweep of money from Fidelity's brokerage to cash account. I used to keep a $0 balance in the cash account and every payment was swept from brokerage. Over the Easter holiday weekend, when banks were open Good Friday but the stoc...
by Artsdoctor
Fri Apr 26, 2019 9:53 am
Forum: Personal Investments
Topic: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?
Replies: 11
Views: 1026

Re: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?

Yes, you are missing two things. If your goal is to have 67% domestic, then VTWAX will not be consistent with that goal since it contains less than 54% domestic. Additionally, if you're going to be investing a 7-digit sum and making future contributions, then I'm going to guess that you're going to ...
by Artsdoctor
Thu Apr 25, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed International Fund?
Replies: 6
Views: 448

Re: Tax Managed International Fund?

I was one of the people who had originally invested in the Tax-Managed International Fund when it folded into the Developed Markets Fund. However, the vast majority of my international holdings is in the Total International Fund. If you're going to buying the Developed Markets Fund, you're going to ...
by Artsdoctor
Wed Apr 24, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4872

Re: How far would you commute?

As you'll see above, the answers are all over the place. What's important to you?

When I worked in Philadelphia, I worked to work. I now drive 1.5 miles to work. However, my colleagues will spend up to an hour in a car each way; it's hurting one but another is thriving.
by Artsdoctor
Wed Apr 24, 2019 6:41 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1173

Re: Treasury funds in an HSA in California

The Fidelity auto-roll could not be easier. The recommendation above was to buy 3- and/or 6-month T-bills. ... Unfortunately, you (we) live a high-tax state so while I can appreciate your desire to simplify your finances, if you don't master state tax law to some extent, you will pay for that. The ...
by Artsdoctor
Wed Apr 24, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 2628

Re: When is it worth it, and not, to live in a (very) high COL region?

i've posted before about my situation. wife and i are 32 years old and thinking about starting a family soon. we live in NY state, just outside of Manhattan, in Westchester County. for those of you familiar, it is one of the highest COL areas in the entire country. real estate is astronomical - esp...
by Artsdoctor
Wed Apr 24, 2019 5:03 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1173

Re: Treasury funds in an HSA in California

Agreed, for me it wasn't the dollar amounts, just the having to keep track at all. At this age I guess my brain is full :D Exactly how I feel. I already have too much complexity in my life. So even though this new thing is "no big deal," it still feels like a move in the wrong direction! The Fideli...
by Artsdoctor
Wed Apr 24, 2019 4:57 pm
Forum: Personal Investments
Topic: Donor Advisor Fund how much and when to start?
Replies: 17
Views: 1022

Re: Donor Advisor Fund how much and when to start?

I have been reading up on the DAF and it seems like a great way to start my charity giving, but I am wondering how much to put in and when to create it (not when to make the actual grant). I envision making a contribution once every 3 years over say the next 10-15 years. This would allow me to item...
by Artsdoctor
Wed Apr 24, 2019 4:31 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1173

Re: Treasury funds in an HSA in California

I hold S&P500 in my HSA in CA but bonds are not part of my core AA. I really really really don't want to track dividends and capital gains for CA to tax inside my HSA, because unlike a regular taxable account, the broker isn't responsible for (and doesn't) reporting any of that. I took mervin's sug...
by Artsdoctor
Wed Apr 24, 2019 12:57 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 84
Views: 7314

Re: Close Vanguard and go all in with Fidelity?

You will be fine either way. Both have their advantages and disadvantages. I have both although more assets at Vanguard. I had been in the process of generally moving things to Vanguard when I was notified that their Advantage Account was closing. It proved to be a relatively easy experience moving ...
by Artsdoctor
Tue Apr 23, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11691

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

I believe a lot of people would prefer 1/2 to 3/4 time to nothing but unfortunately not an option for all. My wife is encouraging me to explore this option and I plan to this summer as neither of us believe nothing is a good option for me mentally. Please consider this. I cut back to "2/3 time" fiv...
by Artsdoctor
Mon Apr 22, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11691

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

From a financial point of view, there's no reason for us to continue working. Two things, however, factor in to continuing to work. First, the fear of going back to the bad old days of a pre-existing illness precluding any meaningful coverage is pretty intense; there seems to be this crazy belief am...
by Artsdoctor
Sat Apr 20, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 13161

Re: Does 100% stocks make sense for very high net worth individuals

The question is vague and cannot be answered unless you want to answer it as "sometimes." You're going to have to define "very high net worth individuals." If you the Investopedia definition, that would be between $5M and $30M. There's a very big difference between those numbers. And I would think y...
by Artsdoctor
Fri Apr 19, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 57
Views: 4548

Re: What I don’t understand about Donor Advised Funds...

5. Try to separate out emotion from reason in making your decision. I've heard some very odd, emotion-laden, peculiar arguments against using DAFs. One poster has described the use of DAFs as "a jerk move," which is truly incomprehensible to me. Some people see DAFs as open to abuse, which I suppos...
by Artsdoctor
Fri Apr 19, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 57
Views: 4548

Re: What I don’t understand about Donor Advised Funds...

I have read numerous (but not all) threads about DAFs, and blogs and info on the Schwab, Fidelity, etc sites. I am still unclear about the fluctuation of value of the donation after the initial appreciated stock shares are sold. Say I open an account with $10000 worth of stocks. They give me a tax ...