Search found 71 matches

by tdonline
Tue Sep 08, 2020 3:39 pm
Forum: Personal Investments
Topic: Cost Basis Method-Vanguard
Replies: 6
Views: 299

Re: Cost Basis Method-Vanguard

Nevermind...dumb user situation resolved.

I'm blaming the sinus headache...
by tdonline
Tue Sep 08, 2020 3:17 pm
Forum: Personal Investments
Topic: Cost Basis Method-Vanguard
Replies: 6
Views: 299

Re: Cost Basis Method-Vanguard

Ok, fair enough. I'm going by what I see on Vanguard. This account is listed under Brokerage. It's not a Roth IRA.
by tdonline
Tue Sep 08, 2020 3:13 pm
Forum: Personal Investments
Topic: Cost Basis Method-Vanguard
Replies: 6
Views: 299

Re: Cost Basis Method-Vanguard

Sorry, if not clear, but the account in question is NOT Roth IRA, it's a brokerage account. To clarify, I was on VG to do something with my Roth. Diverted my attention to my brokerage account. Noticed that my cost basis method was not set and that's when I made the fateful FIFO selection. Trying to ...
by tdonline
Tue Sep 08, 2020 3:05 pm
Forum: Personal Investments
Topic: Cost Basis Method-Vanguard
Replies: 6
Views: 299

Cost Basis Method-Vanguard

Vanguard Brokerage Account. This is the account where I tax loss harvest. Was on VG site today to do an exchange for my Roth IRA. Noticed that the cost basis method was not set for my brokerage account. Set it to First In, First Out...mmmm...because I vaguely remember that being right? Had buyers re...
by tdonline
Thu Mar 19, 2020 12:34 pm
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Re: Vanguard VTIAX and TLH

I was in the same bucket as you but I had sold VTIAX and bought VFWAX. I just sold all VFWAX and TLH again into 80% developed(VTMGX) and 20% emerging(VEMAX) using the ideas from https://www.whitecoatinvestor.com/tax-loss-harvesting-vanguard/ and I did porfolio visualizer to see that they trend the ...
by tdonline
Thu Mar 19, 2020 12:33 pm
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Re: Vanguard VTIAX and TLH

I'll have to refresh my memory on short term and long term losses for TLH. If I recall correctly: * short term losses offset short term gains, long term losses offset long term gains * if any losses are left over after that, short term losses offset long term gains, and vice versa * if any losses a...
by tdonline
Thu Mar 19, 2020 7:53 am
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Re: Vanguard VTIAX and TLH

Thanks again.

I'll have to refresh my memory on short term and long term losses for TLH.

And find another TLH partner for VFWAX and VTIAX.
by tdonline
Wed Mar 18, 2020 7:48 pm
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Re: Vanguard VTIAX and TLH

Standard Vanguard frequent trading restriction. You can't purchase VFWAX online in that account until 4/17/2020. Right, so I went from VFWAX to VTIAX and can't go back for 30 days? That makes sense. When I read it I thought the message applied to VTIAX. Thank you. So if it's still sliding, can I tr...
by tdonline
Wed Mar 18, 2020 4:29 pm
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Re: Vanguard VTIAX and TLH

About 100 minutes later, I talked to a VG rep--assured both orders will go through.

Mods--if you feel this thread should be discarded, please do. Thanks.
by tdonline
Wed Mar 18, 2020 3:53 pm
Forum: Personal Investments
Topic: Vanguard VTIAX and TLH
Replies: 9
Views: 594

Vanguard VTIAX and TLH

On hold for over an hour now... Perhaps more luck here? I TLHed from VFWAX to VTIAX today. When I got to VTIAX, there was a brief message about the fund being restrictive and that I could not trade again until 4/7/2020. I wish I had screenshot the message. After completing the above exchange, I then...
by tdonline
Fri Feb 28, 2020 4:04 pm
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3712

Re: How did you TLH during this correction?

I have a tiny brokerage account, everything else is in tax advantaged/retirement accounts. I have Total International in my brokerage and I don't have any losses. It was so much lower in 2016 when I last bought. I want to buy more but being TLH dense, I was afraid to buy at a higher price because I ...
by tdonline
Mon Jun 27, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 17911

Re: What did you learn from the post-Brexit bloodbath?

The market has been lower. But assuming Friday was a RBD, then planning to TLH (VTIAX --> VFWAX) and buy low (VFWAX) on Monday. Have changed and now trying livesoft's $500 TLH threshold. Why? Because my one-and-done $3K TLH threshold was leaving money on the table. What I paid in February for VTIAX...
by tdonline
Fri Jun 24, 2016 10:33 am
Forum: Personal Investments
Topic: Investment strategy when TLHing
Replies: 3
Views: 276

Re: Investment strategy when TLHing

Yes you can specify lots to sell for TLH - so you can just TLH the one you want. Watch out for wash sale rules though if you sell within 30 days of buying or reinvesting. It is fine to have shares in both international funds. If both drop to the point you want to TLH then you would have to find a t...
by tdonline
Fri Jun 24, 2016 10:04 am
Forum: Personal Investments
Topic: Investment strategy when TLHing
Replies: 3
Views: 276

Investment strategy when TLHing

I only started tax loss harvesting last year and have done it twice. Each time I TLHed, I also bought additional shares and all my shares will have the same price. Keep it simple. What I haven't figured out is what if the index fund never dips (or doesn't for a long time) below my TLH purchase price...
by tdonline
Fri Mar 04, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4913

Re: "Why IBM Moved to Indexing"

Sorry, removing out of precaution.
by tdonline
Fri Mar 04, 2016 12:55 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4913

Re: "Why IBM Moved to Indexing"

Sorry, removing out of precaution.
by tdonline
Wed Dec 23, 2015 8:03 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2820

Re: Basic TLH help to do an exchange with Vanguard

Thanks for confirming, Taylor! And happy holiday to you too.

Since VFWAX has gone up the last few days, I may have missed the window for the 'few hundred' part. And I can't do it tomorrow as I'm traveling. Let's see what happens next week.
by tdonline
Wed Dec 23, 2015 12:53 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2820

Re: Basic TLH help to do an exchange with Vanguard

VFWAX Admiral of FTSE All World ex-US has an ETF share class (VEU) which you can check during the day. That should give you an idea of what the NAVs of investor and admiral share classes will do. Brilliant! Why didn't I think of that... Hmmmm...looks to be in green today. Monday really was the day ...
by tdonline
Wed Dec 23, 2015 12:27 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2820

Re: Basic TLH help to do an exchange with Vanguard

Ok, now my account is showing Spec ID and as it turns out, I have two lots and they are both in the red. But now the loss is just over $700. I know, I know...this has been asked before...is it worth THLing? I remember Taylor posting a few times that few hundred would be worth THLing. Do I recall cor...
by tdonline
Mon Dec 21, 2015 3:57 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2820

Re: Basic TLH help to do an exchange with Vanguard

Hi Livesoft, I'm in the same boat as icedtea--I'm following your step by step TLH thread and I only see "Covered Shares" under Cost Basis details. Should I request Vanguard to change my account to Specific ID and then TLH? Or just go ahead and TLH now with all shares? My losses are only sh...
by tdonline
Wed Aug 26, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 309
Views: 67212

Re: TLH for absolute dummies

I just exchanged VTIAX for VFWAX--all shares. I selected the SpecId option but Vanguard wouldn't allow me to do it. So I just exchanged everything as first in first out. Did I mess up? You did just fine, but today is a significant UP day, so less loss than if done yesterday... I dithered yesterday ...
by tdonline
Wed Aug 26, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 309
Views: 67212

Re: TLH for absolute dummies

I just exchanged VTIAX for VFWAX--all shares. I selected the SpecId option but Vanguard wouldn't allow me to do it. So I just exchanged everything as first in first out. Did I mess up?
by tdonline
Wed Aug 26, 2015 2:28 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Reviving this thread. I established my first taxable account in March and now I've just sold it for my first foray into TLHing... I had about 2,500 in losses. Not a big hit but guessitimating it will be about 600-700 in a tax credit. That's about what I've owed the last couple of years in fed+state ...
by tdonline
Tue Aug 25, 2015 3:21 pm
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting always worth all the fuss?
Replies: 68
Views: 12139

Re: Is tax loss harvesting always worth all the fuss?

I've been meaning to TLH but missed both 4pm deadlines this week...I'm afraid to TLH after the Vanguard price close and tomorrow the Total Int'l fund soars to record heights.
by tdonline
Mon Aug 24, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 9653

Re: Who's selling now?

Is it possible to TLH and buy additional shares in the same fund? Earlier this year I bought 30K in Total International. I'm thinking about doing my first TLH and shifting the funds into FTSE All-World. I also have 10K in cash I would like to invest. Can I TLH and buy another 10K into FTSE-All World...
by tdonline
Thu Mar 26, 2015 12:31 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Not that much of a big deal on the before, it is the after TLH that you have to worry more about in my experience. Just make sure that if a TLH opportunity comes in the next 30 days you sell those shares you just bought, even if they happened to have a gain. That way you will longer own any "r...
by tdonline
Wed Mar 25, 2015 12:58 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Oops, I had selected 'reinvest' for dividends and capital gains. I had been telling myself to change the selection the past couple of weeks and now I have a dividend reinvested. Oops. In any case, I'm changing it now to go to my prime money market. Quick question, I assume I select both dividends an...
by tdonline
Wed Mar 11, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Math equation in Excel
Replies: 5
Views: 822

Re: Math equation in Excel

Thanks! I knew it was something fairly simple :oops: I was working with * and that leading me nowhere. Shoulda gone with /!
by tdonline
Wed Mar 11, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Math equation in Excel
Replies: 5
Views: 822

Math equation in Excel

Math-challenged person needs help. Item A is currently worth $1,000. At $1,000, Item A's worth is 4% higher than worth in 2014. How much was Item A worth in 2014? I'm sure this is a routine SAT question that I should be ashamed of not knowing to how set up...if you can show me the math equation, I c...
by tdonline
Wed Mar 11, 2015 8:28 am
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Is it safe to assume you are already maxing out your tax advantaged space? Yes. I don't understand why having questions about TLH would lead you towards not investing. Maybe I am missing something here. Analysis Paralysis. Fear of making wrong choice and messing up TLH options. Personally, I reinve...
by tdonline
Tue Mar 10, 2015 4:32 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Well, I pulled the trigger on my first ever taxable account. Unlike the retirement accounts, I guess I can't be too lazy about it--will have to check to see if there are losses to TLH and also to see when to invest another chunk.
by tdonline
Mon Mar 09, 2015 2:14 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

For instance I use VTIAX and VFWAX as TLH partners. They both have similar performance (and share 80%+ of the same stocks) but track different indices. I came to this conclusion this morning. Instead of buying TSM, I'm going to buy VTIAX. I hold Total Int'l Stock in my 401K too but since it's a muc...
by tdonline
Mon Mar 09, 2015 8:25 am
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

From googling, here are a couple of links that suggest buying/selling the same fund in an 401K account would likely result in a wash sale. I may have to rethink Vanguard's TSM for my taxable account. I'm not sure I'm going to TLH but I'm inclined to set things up so the option is there if I change m...
by tdonline
Sun Mar 08, 2015 7:03 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

Hmmm...let's say I invest with TLH in mind--keeping the option available. I invest in Total Stock Market through my 401K with Fidelity. I auto-invest bi-monthly. The current plan is to buy Vanguard's TSM in my new taxable account. Should I TLH the Vanguard TSM sometime down the line, would my bi-mon...
by tdonline
Fri Mar 06, 2015 4:59 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

My favorite Wiki article becomes very relevant when you include a taxable investment account. If you intend to use tax loss harvesting , then you might make it easier on yourself by getting all distributions paid in cash (not reinvesting) since reinvested distributions could invalidate a tax-loss s...
by tdonline
Fri Mar 06, 2015 4:55 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

Re: First Taxable Account

traveler90 wrote:Will this money be in one fund or more than one fund?

I would reinvest if it was all going into one fund. If it's going into multiple, I would have it go into the money market account for manual rebalancing.
It's all going into Total Stock Market.
by tdonline
Fri Mar 06, 2015 4:30 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3570

First Taxable Account

I use Vanguard for traditional and Roth accounts. After much, much too long on the fence, I'm taking the plunge and going to invest 30K in my first ever taxable account. For the question of whether or not to reinvest, what say you? Vanguard offers reinvest or divert dividends to a money market accou...
by tdonline
Wed Dec 17, 2014 3:16 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 949

Re: Traditional IRA to 401K?

Morik, that's what I figured and why I mentioned my Roth IRA eligibility in my original post. I suppose I could rollover the IRA just in case I'd have to do a backdoor Roth IRA in the future. Clear the space while I have the opportunity, I suppose. Thanks to everyone for contributing. Vanguard's off...
by tdonline
Wed Dec 17, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: Which audio books do you listen to?
Replies: 16
Views: 1487

Re: Which audio books do you listen to?

For some fun fiction, I recommend anything read by Jim Dale. He narrated the Harry Potter books, and some others. Dale's voicing of the female characters was really whiny though. Poor Hermoine was particularly annoying in Dale's interpretation. I third using your local library--both for books on CD...
by tdonline
Wed Dec 17, 2014 2:29 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 949

Re: Traditional IRA to 401K?

In terms of the regular backdoor Roth--that was my first thought too. But can I do a backdoor Roth IRA if I'm already contributing to a regular Roth IRA? So, basically my 2015 will look like this: 1) Vanguard Roth IRA--max out at 5,500 2) mega backdoor Roth--Company after-tax 401K rollovers to Fidel...
by tdonline
Wed Dec 17, 2014 10:52 am
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 949

Re: Traditional IRA to 401K?

tfb, that's how I understand it...if not, I'm gonna be in trouble!

Surmising from the lack of responses, it doesn't seem like there's much to gain from rolling a T-IRA to a 401K.
by tdonline
Tue Dec 16, 2014 9:45 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 949

Traditional IRA to 401K?

Last month I asked why would I contribute to an after-tax 401K (linked below) and after much-appreciated advice, I now contribute to an after tax 401K account. I also set up a Roth IRA with Fidelity to take advantage of the 401K's option to roll out money while still an employee. http://www.boglehea...
by tdonline
Tue Nov 25, 2014 6:35 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1350

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

You may need to move the funds over to a tIRA at Fidelity and then roll that over to a Roth IRA: a two-step process instead of a one-step process. Try running that by the Fidelity rep. I don't think you can go directly from the 401K to a Roth IRA. Beth, I'm not so sure about that? I'm a little conf...
by tdonline
Tue Nov 25, 2014 6:05 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1350

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

Talked to a Fidelity rep about opening up a Roth IRA for the rollovers and he wasn't quite getting the point...May not be smooth sailing after all.
by tdonline
Tue Nov 25, 2014 1:11 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1350

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

Rob, not that young...but likely still need to work 15-20 more years. So yeah, there's time for compounding. I really the fact that I can still access my contributions to a Roth IRA--should I ever need the dough but I do not have to pay taxes on the earnings. It seems like a slam dunk over the taxab...
by tdonline
Tue Nov 25, 2014 12:46 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1350

Why wouldn't I [contribute to an after-tax 401k w/ rollover]

My company offers after-tax 401K contributions. I have been with the company for nearly 5 months but only during the last couple of days have I really looked into the after-tax option. The basics: 1) Allowed to contribute up to 10% of after-tax income. So for me, that would come out to about $5,900 ...
by tdonline
Mon Nov 10, 2014 7:04 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 57
Views: 10944

Re: If I could start over . . .

Unfortunately, I am locked into funds purchased long ago that I cannot sell without triggering a large capital-gain tax (which will be cancelled at my death). I'm 90. If I could start over, I would simply buy and hold The Three Fund Portfolio . Best wishes. Taylor Forgive me for prying...I do so as...
by tdonline
Mon Nov 10, 2014 3:03 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 57
Views: 10944

Re: Tax Loss Harvesting Doesn't Seem Like a Great Idea

Taylor, is this how you keep to your 3 fund portfolio, by selling and buying the same fund after 31 days?
by tdonline
Wed Nov 05, 2014 10:22 am
Forum: Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 8499

Re: AA...any other crazy 80/20 folks out there?

Early 40's and I'm at 80/20 and 2 plus years of emergency funding. I've been dragging on this forever but I will sooner or later...reduce the cash a bit and invest more. No early retirement here so with 18-20 years left to work, I'm considering 90/10 for the next 5-10 years. Job security is moderate...
by tdonline
Fri Oct 17, 2014 10:36 am
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1579

Re: Taxable investing compatible with Boglehead approach?

Climber, that sounds pretty good to me and I would be happy to go that route (though I don't quite have your investment amount...). So you don't tax loss harvest?

I want to be lazy but I don't want to leave money on the table either...