Search found 42 matches

by dang1
Fri Oct 09, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: Comparing a Short-Term Bond Yield to a MMF APY?
Replies: 5
Views: 505

Re: Comparing a Short-Term Bond Yield to a MMF APY?

That is great info. Thank you very much for your replies!
by dang1
Thu Oct 08, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: Comparing a Short-Term Bond Yield to a MMF APY?
Replies: 5
Views: 505

Re: Comparing a Short-Term Bond Yield to a MMF APY?

Thanks very much for the reply!

Anyone can clarify how APY compares to Bond Yield? I would like to compare the MM yield to the ST Muni yield.

Thank you.
by dang1
Thu Oct 08, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: Comparing a Short-Term Bond Yield to a MMF APY?
Replies: 5
Views: 505

Comparing a Short-Term Bond Yield to a MMF APY?

Hello all, For some of my cash, I currently have it at a local credit union earning a .60% APY. This is fully taxable, so at the federal level I'm losing about 37% of this rate, resulting in roughly a .38% APY net. This money would be "safe" from price fluctuations. I am looking at putting...
by dang1
Mon Oct 05, 2020 8:47 pm
Forum: Personal Investments
Topic: Measuring VTEB vs. Calif Muni (VCADX)
Replies: 9
Views: 445

Re: Measuring VTEB vs. Calif Muni (VCADX)

This is very helpful. Thank you all so much for the info!
by dang1
Mon Oct 05, 2020 3:40 pm
Forum: Personal Investments
Topic: Measuring VTEB vs. Calif Muni (VCADX)
Replies: 9
Views: 445

Measuring VTEB vs. Calif Muni (VCADX)

Hello all, I learn so much from the great forums here, so I thought I would pose this question to see if I am looking at this wrong ... I live in California and pay approximately 10% in State Taxes. I have two Tax-Free Intermediate term Muni funds : VTEB - Vanguard Tax-Exempt Bond ETF (Federal) - 30...
by dang1
Mon Oct 05, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Anyone left Wealthfront? Were you able to access Tax documents?
Replies: 2
Views: 401

Re: Anyone left Wealthfront? Were you able to access Tax documents?

That's good to know. Thanks very much for the reply!
by dang1
Sun Oct 04, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone left Wealthfront? Were you able to access Tax documents?
Replies: 2
Views: 401

Anyone left Wealthfront? Were you able to access Tax documents?

Hi all, I have a small investment account at Wealthfront, holding all Vanguard ETFs. I am thinking of closing this account and moving these ETFs in-kind over to my Vanguard account. My concern is that when I do, will I lose my online access to Tax forms I would need the following year (I use TurboTa...
by dang1
Sat Aug 22, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13562

Re: Is it worth to relocate for retirement?

All these mentions of what folks are paying in property tax has made me jealous! I pay $14k/year here in Calif and that is with the increases capped due to prop. 13. We've been in this house for ~20 years, but someone moving in now would pay even more. It was a bit more bearable before SALT went aw...
by dang1
Sat Aug 22, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13562

Re: Is it worth to relocate for retirement?

All these mentions of what folks are paying in property tax has made me jealous! I pay $14k/year here in Calif and that is with the increases capped due to prop. 13. We've been in this house for ~20 years, but someone moving in now would pay even more. It was a bit more bearable before SALT went awa...
by dang1
Tue Jun 23, 2020 3:51 pm
Forum: Personal Investments
Topic: VEA + PXF = Wash Sale?
Replies: 5
Views: 218

Re: VEA + PXF = Wash Sale?

Thanks all very much for the replies and info!

Yes, it's puzzling that the IRS, being precise in most all their other wording, leave that whole wash sale definition kind of open to interpretation. :o

But, at least we have the collective genius of the good people here to check with! :happy
by dang1
Tue Jun 23, 2020 2:19 pm
Forum: Personal Investments
Topic: VEA + PXF = Wash Sale?
Replies: 5
Views: 218

VEA + PXF = Wash Sale?

Hello All, It looks like I have an overlap in the sale (at a loss) of PXF(Invesco FTSE ) and purchase of VEA (Vanguard FTSE ) and was wondering if these were substantially identical to trigger a wash sale? I've found it quite confusing to figure out what is substantially identical and what is not. E...
by dang1
Fri Apr 03, 2020 9:59 pm
Forum: Personal Investments
Topic: VIG vs. DVY - Substantially Identical?
Replies: 16
Views: 633

Re: VIG vs. DVY - Substantially Identical?

Thank you very much everyone for the helpful and insightful replies! As always on this site, I learned a great deal and got excellent replies!
by dang1
Fri Apr 03, 2020 3:40 pm
Forum: Personal Investments
Topic: VIG vs. DVY - Substantially Identical?
Replies: 16
Views: 633

VIG vs. DVY - Substantially Identical?

Hello, I am holding both VIG and DVY. My DVY holdings are down and I was thinking of Tax Loss Harvesting the shares into VIG. My question is - How would I determine if these are "substantially identical" to avoid a wash sale? Along the same lines, how to determine this for any holding? Doe...
by dang1
Mon Mar 23, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: How to Determine Cost Basis of old Mutual Fund
Replies: 6
Views: 475

Re: How to Determine Cost Basis of old Mutual Fund

That's great info. Thanks very much!
by dang1
Mon Mar 23, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How to Determine Cost Basis of old Mutual Fund
Replies: 6
Views: 475

Re: How to Determine Cost Basis of old Mutual Fund

Thank you everyone for the great replies and info! This is very useful in helping me to get this resolved.

Thanks again!
by dang1
Sun Mar 22, 2020 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to Determine Cost Basis of old Mutual Fund
Replies: 6
Views: 475

How to Determine Cost Basis of old Mutual Fund

Hello, I have a mutual fund (VTSAX) at Fidelity that I purchased about 15 or more years ago. It has always been set to reinvest dividends, so it has had about four additions of funds per year due to this. In looking at the lots recently, I noticed all the cost basis before 2013 is missing. How does ...
by dang1
Thu Mar 19, 2020 2:09 pm
Forum: Personal Investments
Topic: Bond ETF: Distribution Yield vs. SEC Yield?
Replies: 1
Views: 96

Bond ETF: Distribution Yield vs. SEC Yield?

Hello All, I'm trying to compare two Vanguard bond funds - VCAIX (Calif tax free) and VTEB (US tax free). I understand that VCAIX will provide the extra benefit of being CA state tax free, but am confused as to which "yield" that I should be looking at to determine which pays higher divide...
by dang1
Wed Mar 18, 2020 10:20 pm
Forum: Personal Investments
Topic: Anyone moved from Wealthfront to Vanguard?
Replies: 0
Views: 140

Anyone moved from Wealthfront to Vanguard?

Hello All, I have a moderate sized taxable account at Wealthfront (WF) that I am thinking of closing and moving the contents to my Vanguard brokerage account. Right now, most of the funds in the WF account are already in Vanguard ETFs, and so I was thinking of doing an "in-kind" move of th...
by dang1
Mon Mar 16, 2020 4:14 pm
Forum: Personal Investments
Topic: Two Questions on Vanguard Admiral Funds
Replies: 7
Views: 651

Re: Two Questions on Vanguard Admiral Funds

Hi All, Just wondering if anyone has done the conversion from an Admiral mutual fund to an ETF? I plan on moving my VTIAX shares over to Vanguard and converting them. How do I initiate the conversion? Can it be done online or do I need to call in? And, approximately how long would this conversion ta...
by dang1
Sun Mar 15, 2020 9:06 pm
Forum: Personal Investments
Topic: Two Questions on Vanguard Admiral Funds
Replies: 7
Views: 651

Re: Two Questions on Vanguard Admiral Funds

Thanks very much for that info. I do qualify, so it sounds like something I should do. I'll call Vanguard this week and see how to move them over.
by dang1
Sun Mar 15, 2020 7:07 pm
Forum: Personal Investments
Topic: Two Questions on Vanguard Admiral Funds
Replies: 7
Views: 651

Re: Two Questions on Vanguard Admiral Funds

Thanks very much for the quick reply! Great info on the wash sale info - I hadn't considered they had the same underlying makeup - you really saved me a tax headache! :happy I will instead move it over to Vanguard and see if they can convert it into VXUS for me. (though I realize I won't get TLH on ...
by dang1
Sun Mar 15, 2020 5:34 pm
Forum: Personal Investments
Topic: Two Questions on Vanguard Admiral Funds
Replies: 7
Views: 651

Two Questions on Vanguard Admiral Funds

Hello All, I have two questions about Vanguard Admiral share mutual funds. 1. Some time in the last decade, I bought into a Vanguard mutual fund in an old Etrade account that has been apparently been converted to an Admiral fund (ticker: VTIAX). I know Admiral funds are better than std funds and the...
by dang1
Sat Jul 06, 2019 10:48 pm
Forum: Personal Investments
Topic: Why not use Vang MM fund as my Bond Holding?
Replies: 7
Views: 1595

Why not use Vang MM fund as my Bond Holding?

Hello All, There might be an obvious answer to this, but thought I'd ask away anyway... I currently use a Vanguard CA Tax-free Intermediate Bond Fund (VCAIX) as my core bond holding, but was curious whether I should instead use a CA Tax-free MM fund (VCTXX) instead? My simple portfolio is as follows...
by dang1
Fri May 17, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 20701

Re: Umbrella Policy: Right amount for $7 mil net worth?

So much great info in this post! I remember hearing from a financial advisor that it's recommended to have 2x your net worth (plus expected future earnings) in umbrella insurance. From reading the above, I see this might not be practical, especially with HNW folks. A question I was thinking of thoug...
by dang1
Thu May 16, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 20701

Re: Umbrella Policy: Right amount for $7 mil net worth?

A follow up to this question ... Has anyone found an insurance company willing to sell them more than $5M in umbrella insurance? The company I use for all my policies (State Farm) does not and when I searched others in the past, I did not find any that did either.
by dang1
Mon Dec 24, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 ES - Non-Equal Payments - ok?
Replies: 24
Views: 1760

Re: 1040 ES - Non-Equal Payments - ok?

This is great info and I've learned a lot. I do have one question though about the official IRS wording on this and my situation in particular. As an earlier poster wrote, the exact quote from IRS.gov said: Generally, most taxpayers will avoid this penalty if they either owe less than $1,000 in tax ...
by dang1
Sun Dec 23, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 ES - Non-Equal Payments - ok?
Replies: 24
Views: 1760

Re: 1040 ES - Non-Equal Payments - ok?

That's great information. Thanks much to all !

My Q4 numbers are turning out to be higher than I anticipated, in part due to to all these pesky capital gain distributions I wasn't expecting! :oops:

Thanks again!
by dang1
Sun Dec 23, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 ES - Non-Equal Payments - ok?
Replies: 24
Views: 1760

1040 ES - Non-Equal Payments - ok?

Hello, I have a simple (I think) question about 1040 ES Quarterly Estimated Payments. I've always been under the impression that I must pay four equal amounts when I submit this form. I've often wished I could send a bit more or less the last quarter, as I have a better idea of my taxable income by ...
by dang1
Thu Sep 27, 2018 10:43 pm
Forum: Personal Investments
Topic: Help with comparing Tax Free Yield of a MM fund?
Replies: 4
Views: 708

Re: Help with comparing Tax Free Yield of a MM fund?

Ok, that makes a lot of sense now. Thanks much for the info!
by dang1
Thu Sep 27, 2018 12:56 pm
Forum: Personal Investments
Topic: Help with comparing Tax Free Yield of a MM fund?
Replies: 4
Views: 708

Re: Help with comparing Tax Free Yield of a MM fund?

Thanks for the info!

From this page
https://fundresearch.fidelity.com/mutua ... /316061100

.. It looks like Fidelity is saying it has a Tax Equivalent Yield of 2.25% . I'm curious as to how they could arrive at that number when the 7-Day tax free yield is 1.07%

Anyone have an idea?
by dang1
Wed Sep 26, 2018 9:35 pm
Forum: Personal Investments
Topic: Help with comparing Tax Free Yield of a MM fund?
Replies: 4
Views: 708

Help with comparing Tax Free Yield of a MM fund?

Hello All, I keep my Vanguard account cash in a CA Tax-Free MM fund - VCTXX, which currently shows a Tax Free yield of 1.32 (C) % per my account page. I have a second account at Fidelity (due to my employer), where my cash is currently in FCFXX (CA MM fund). I'm confused by the Fidelity site as to w...
by dang1
Mon Jul 02, 2018 9:55 pm
Forum: Personal Investments
Topic: Question on money fund yield vs. expense ratio
Replies: 2
Views: 312

Re: Question on money fund yield vs. expense ratio

Ok, great! Thanks very much for answering! :)
by dang1
Mon Jul 02, 2018 7:51 pm
Forum: Personal Investments
Topic: Question on money fund yield vs. expense ratio
Replies: 2
Views: 312

Question on money fund yield vs. expense ratio

Hi All, I know this is probably a very basic question .. but I was wondering about how to look at the Yield from a Money Market Mutual Fund vs. it's Expense Ratio. Is the stated Yield net of the Expense Ratio? Or is the Expense cost further subtracted from the Yield ? For example, if a Vanguard mone...
by dang1
Mon Jul 02, 2018 7:03 pm
Forum: Personal Investments
Topic: VMSXX - Calif Tax-Free equivalent?
Replies: 4
Views: 590

Re: VMSXX - Calif Tax-Free equivalent?

Ok, thanks much!
by dang1
Mon Jul 02, 2018 6:05 pm
Forum: Personal Investments
Topic: VMSXX - Calif Tax-Free equivalent?
Replies: 4
Views: 590

Re: VMSXX - Calif Tax-Free equivalent?

Thanks a lot Brian!

I don't know how I missed that in my search! :)
by dang1
Mon Jul 02, 2018 5:44 pm
Forum: Personal Investments
Topic: VMSXX - Calif Tax-Free equivalent?
Replies: 4
Views: 590

VMSXX - Calif Tax-Free equivalent?

Hi All, I currently have my cash reserves at Vanguard stashed in a federally tax-free VMSXX fund. Currently with a 1.37% yield. As I'm in high-tax Calif, I would like to see if I can move to a Calif Tax-free fund, but didn't find one on Vanguards site? Am I missing an obvious choice here? Thanks a l...
by dang1
Sat Jun 16, 2018 6:41 pm
Forum: Personal Investments
Topic: VCAIX - shorter term alternatives?
Replies: 4
Views: 771

Re: VCAIX - shorter term alternatives?

Thank you for your reply. It looks like VCTXX might be a good short-term fund for me, as it's CA and Federal tax free with a current yield of just over 1%.
by dang1
Sat Jun 16, 2018 10:25 am
Forum: Personal Investments
Topic: VCAIX - shorter term alternatives?
Replies: 4
Views: 771

VCAIX - shorter term alternatives?

Hi All, My Vanguard investment setup is fairly simple with my money split between: VTI , VXUS, and VCAIX (Vanguard CA Interm-Term Tax-Exempt) for the Bond portion. Lately, I've been hearing a lot of advice to move from intermediate/long bonds to short term. I haven't seen a comparable Vanguard Short...
by dang1
Fri Nov 10, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan (DCP) and Moving States
Replies: 3
Views: 532

Deferred Compensation Plan (DCP) and Moving States

Hello All, I was wondering if anyone else out there has looked into this question.. I am currently enrolled in a DCP program and initially chose a five year payout schedule to commence 5 years after termination from the company. I'm wondering now if I ever move to state with a different tax rate in ...
by dang1
Sat Oct 31, 2015 5:30 pm
Forum: Personal Investments
Topic: Which Calif Tax-Free Bond Fund for Taxable Accounts?
Replies: 8
Views: 2403

Which Calif Tax-Free Bond Fund for Taxable Accounts?

Hello All, With the great help of the folks on this forum, I've been able to narrow down my Vanguard Index fund picks for US and International ETFs for my taxable account holdings. Now, I'd like to pick the Bond fund to go along with it. I'm in the 28% tax bracket here in Calif .. so was thinking I ...
by dang1
Fri Oct 16, 2015 11:06 pm
Forum: Personal Investments
Topic: Vanguard TGT Date Funds in Taxable Accounts?
Replies: 6
Views: 1046

Re: Vanguard TGT Date Funds in Taxable Accounts?

Hello and Thank You everyone for the quick replies are fantastic ideas! I didn't think there would be so many replies in just a few hours! Sorry, I wasn't prepared to put all my profile info together to post a more complete picture of my situation, but I will work on it over the next few days! I am ...
by dang1
Fri Oct 16, 2015 6:50 pm
Forum: Personal Investments
Topic: Vanguard TGT Date Funds in Taxable Accounts?
Replies: 6
Views: 1046

Vanguard TGT Date Funds in Taxable Accounts?

Hello All, I'm just getting started on this board, so please forgive me if I'm posting this in the wrong area or this is a question that is too simple to ask here. I have used the Vanguard Target Date funds in my IRA and 401K accounts and am overall pleased with them. In my taxable accounts, I have ...