Search found 20 matches

by qwerty123
Thu Aug 27, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59465

Re: TLH for absolute dummies [Tax Loss Harvesting]

This thread is now in the Investing - Theory, News & General forum (theory). I retitled the thread to help with the acronyms. Roothy, I like what you're doing. Ultimately, this could find its way in the Wiki page, which seems a bit lacking in specifics and clarity, given the number of TLH threads f...
by qwerty123
Tue Aug 25, 2015 8:59 pm
Forum: Personal Investments
Topic: Yet another TLH question - Are most of you switching back after 30/60 days?
Replies: 27
Views: 3009

Re: Yet another TLH question - Are most of you switching back after 30/60 days?

It's possible that we will get another chance to TLH more in 61 days (qualified dividends means you want to hold at least 60 days), so who knows? The differences between the funds are (or should be) pretty minimal, so it likely won't make a big difference either way. I am likely going to have more ...
by qwerty123
Sun Mar 22, 2015 9:48 pm
Forum: Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 873

Re: Overcontributed to Roth IRA

This wiki post has a pretty good explanation of the issues associated with having both deductible and non-deductible iras: http://www.bogleheads.org/wiki/Non-deductible_traditional_IRA#I_have_a_large_traditional_IRA_with_deductible_contributions_and.2For_rollover_contributions_from_an_old_401.28k.29...
by qwerty123
Sun Mar 22, 2015 11:13 am
Forum: Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 873

Re: Overcontributed to Roth IRA

Maybe I did it wrong but I just took the excess Roth contribution and moved it to a regular IRA(before April 15th) and counted it as a regular IRA contribution for my taxes. Never had any ramifications from the IRS on doing this. Is a regular ira the same as a traditional (pre-tax) ira? the previou...
by qwerty123
Sun Mar 22, 2015 10:35 am
Forum: Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 873

Re: Overcontributed to Roth IRA

bengal22 wrote:Maybe I did it wrong but I just took the excess Roth contribution and moved it to a regular IRA(before April 15th) and counted it as a regular IRA contribution for my taxes. Never had any ramifications from the IRS on doing this.
Is a regular ira the same as a traditional (pre-tax) ira?
by qwerty123
Sun Mar 22, 2015 10:24 am
Forum: Personal Investments
Topic: Overcontributed to Roth IRA
Replies: 7
Views: 873

Overcontributed to Roth IRA

I setup monthly automatic contributions to my Roth IRA in May of last year. About 2 months later, I unexpectedly sold a business, and bumped my MAGI over the limit for the year, so I stopped the automatic contributions for the year. Now I have ~$1800 as an over contribution, and I'm trying to decide...
by qwerty123
Fri Jan 02, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1449

Re: Protecting 401k Money During Rollover

edit: I do have ~$10k worth of bonds in a taxable account. Before the move, shift the target date fund in the 401(k) to cash. On the same day, move your bonds in your taxable account to equity. After the move, you can move the assets back. There will be tax consequences though for your taxable acco...
by qwerty123
Fri Jan 02, 2015 9:30 pm
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1449

Re: Protecting 401k Money During Rollover

indexfundfan wrote:Any bond assets in your VG IRA? Or it that a new account?
It's a new account that I'm rolling over to.

edit: I do have ~$10k worth of bonds in a taxable account.
by qwerty123
Fri Jan 02, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1449

Re: Protecting 401k Money During Rollover

Do you have any other tax-deferred accounts which have significant bond assets? If so, you can temporarily move your equity allocation from your 401(k) there during the transfer. I have a 401k with ~$1k in bonds, but that's relatively insignificant compared to the $20k I am moving. I really need so...
by qwerty123
Fri Jan 02, 2015 9:15 pm
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1449

Protecting 401k Money During Rollover

I'm rolling over 2 of my old 401k accounts to a Vanguard IRA. Both of them will result in my money being out of the market for ~1-2 weeks. They were invested in target date funds (so a mix of international and us stocks, and a small sliver of bonds). If these indexes go down during these two weeks, ...
by qwerty123
Tue Dec 30, 2014 12:43 pm
Forum: Personal Investments
Topic: TLH Vanguard International Fund
Replies: 3
Views: 565

Re: TLH Vanguard International Fund

<snip> I don't have an answer for this, may be someone else might comment. I'd consult s good tax professional though. Do you still typically harvest losses if you are only offsetting other gains from that year? I'm planning to go to a tax professional to help with taxes this year, but I don't thin...
by qwerty123
Tue Dec 30, 2014 12:13 pm
Forum: Personal Investments
Topic: TLH Vanguard International Fund
Replies: 3
Views: 565

TLH Vanguard International Fund

I was looking through my Vanguard account, and noticed that my international fund (VTIAX) is down ~$2400 since I purchased it 6 months ago, so it appears to be the perfect opportunity to harvest my losses before the end of the year. It appears that the prevailing advice is to switch it to VFWAX sinc...
by qwerty123
Sat Oct 25, 2014 11:09 am
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Re: Consolidating Retirement Accounts

About how much of that $80k in taxable would it take to set aside that six months worth of expenses for an "emergency fund"? What is your desired asset allocation, both stock/bond and domestic/international? $20k would give me more than enough to cover 6 months of expenses. I plan to keep at least ...
by qwerty123
Sat Oct 25, 2014 9:10 am
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Re: Consolidating Retirement Accounts

Total portfolio is $116k, plans to max 401k and IRA each year. About how much is the employer match in the current 401k? About how much do you think you might be adding to taxable annually? He may potentially hit the income limit for Roth IRA, so may want to use the backdoor method. The desired ass...
by qwerty123
Sat Oct 25, 2014 8:37 am
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Re: Consolidating Retirement Accounts

Replies in-line: I think a pretty good plan is shaping up. Here are some additional thoughts. -Target funds are great, but they don't make things easier once you have a taxable account containing money for long term goals. For this reason, it's probably a good thing that you are considering splittin...
by qwerty123
Fri Oct 24, 2014 10:24 pm
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Re: Consolidating Retirement Accounts

Today you have $29k in 401s, $7k in Roth and $80k in taxable. Total = $116k. 55/35/10 is your desired AA, so that's $40.6k in international today. Do you plan to grow the Roth? There's a fine international fund there. Between Roth and taxable, you have a lot of room before the 401k grows so large a...
by qwerty123
Fri Oct 24, 2014 9:38 pm
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Re: Consolidating Retirement Accounts

I posted a few months back, and I received some very helpful advice. I've gotten settled at my new job, and have been contributing to my 401k account. I'm trying to decide what to do with my 2 old 401k accounts from previous employers. Current Retirement Assets Taxable $80k (55% Total US Stock Mark...
by qwerty123
Fri Oct 24, 2014 8:16 pm
Forum: Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 1646

Consolidating Retirement Accounts

I posted a few months back, and I received some very helpful advice. I've gotten settled at my new job, and have been contributing to my 401k account. I'm trying to decide what to do with my 2 old 401k accounts from previous employers. Current Retirement Assets Taxable $80k (55% Total US Stock Marke...
by qwerty123
Fri Jun 27, 2014 7:00 am
Forum: Personal Investments
Topic: Consolidating / Balancing Several Different Accounts
Replies: 7
Views: 748

Re: Consolidating / Balancing Several Different Accounts

Thanks for the great responses, this helped to calm my fears a little bit, and figure out what to do. I think you're both right that I was focusing too much on rebalancing - I kept reading about rebalancing, and different strategies for doing so, and I was pretty confused by what was the best way. 1...
by qwerty123
Thu Jun 26, 2014 8:27 pm
Forum: Personal Investments
Topic: Consolidating / Balancing Several Different Accounts
Replies: 7
Views: 748

Consolidating / Balancing Several Different Accounts

Up until now, my retirement / investment accounts have consisted of 2 401ks from old jobs with about 10k in each, and a roth ira with a similar amount in it. I've had too much liquid cash in my checking account for a while now (at least 60k and my expenses are pretty low), but I haven't gotten aroun...