Search found 62479 matches

by livesoft
Sun Dec 09, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest w/ International Fund
Replies: 1
Views: 102

Re: Tax Loss Harvest w/ International Fund

One doesn't have to hold qualified dividends for 61 days. For qualified dividends to remain qualified, one has to hold the shares that paid the dividends for at least 61 days out of a 121 day period. Since you held the shares for the 60 days before the dividend is was paid, they should still be qual...
by livesoft
Sun Dec 09, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 10
Views: 295

Re: Mutual Fund for UTMA Accounts

indexonlyplease wrote:
Sun Dec 09, 2018 3:08 pm
How do you find how much someone can sell?
You use current tax prep software and do a "What if?" tax return with possible sales.
by livesoft
Sun Dec 09, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 32
Views: 1921

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

At a typical research university, guideline says one needs to have certain research accomplishment to get tenure (or one will be fired). For readers of this thread, a researcher with grants at a typical research university will request their summer pay in their grants if the university is not payin...
by livesoft
Sun Dec 09, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for older and younger person saving for retirement?
Replies: 14
Views: 678

Re: Advice for older and younger person saving for retirement?

Does the 401(k) at Publix have a Roth 401(k) option? Does the 401(k) at Publix have a matching option? That's different from the ESOP. For instance, if she contributed nothing to the 401(k), would she still get the ESOP contribution? Is she paying any income taxes? If so, there may be ways to avoid ...
by livesoft
Sun Dec 09, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 10
Views: 295

Re: Mutual Fund for UTMA Accounts

I would suggest you dispense with the idea of holding forever. At a minimum, you should desire to tax-gain harvest every thing that you can each year if your children can avoid paying taxes on the gains. You have a fiduciary duty to do so. https://www.bogleheads.org/wiki/Tax_gain_harvesting
by livesoft
Sun Dec 09, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: does the 4% withdrawal guideline include dividends?
Replies: 22
Views: 1045

Re: does the 4% withdrawal guideline include dividends?

Yes, the 4% withdrawal guideline includes dividends.

Also investment expenses (fund expense ratios and otther fees) are included in the 4% as are taxes.
by livesoft
Sun Dec 09, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, Fidelity round-trip violation
Replies: 7
Views: 516

Re: Tax loss harvesting, Fidelity round-trip violation

Fidelity has early redemption fees on many of its index funds in the past, so maybe that is what you are talking about? A round-trip is not a violation at other brokers that i am aware of except they will charge you an additional fee in many instances. For example, all those no-commission ETFs often...
by livesoft
Sun Dec 09, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 35
Views: 2357

Re: Has anyone adjusted their stock allocation on the dip?

Yes, I always adjust my stock allocation on the dip.
by livesoft
Sun Dec 09, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 32
Views: 1921

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

While working, I didn't have a lot of vacation days, but they were adequate. But since you like outdoor activities, I see no reason why you couldn't take an extended solo backpacking trip. I spent November backpacking by myself and it cost quite a lot less than $5,000. I paid for only 2 hotel nights...
by livesoft
Sat Dec 08, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed income position for current market ?
Replies: 1
Views: 319

Re: Fixed income position for current market ?

Bond funds went up 1% and more over the past month. Cash did not do that. I think selling bond funds now and switching to cash could be locking in losses. Essentially, one should have the fortitude to buy low and that includes bond funds. I have a few bond funds that have made some money in 2018. Fo...
by livesoft
Sat Dec 08, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Tax ramification question
Replies: 11
Views: 938

Re: Tax ramification question

You’ll need to pay the taxes via estimated payments, withholdings (could be from a W2 job) or meet certain requirements (90% of tax withheld or 100/110% of last years tax bill withheld) or you’ll face a penalty. Right. One must understand the safe harbor rules when it comes to paying taxes. A quart...
by livesoft
Sat Dec 08, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 473

Re: Which fund for 2nd tier EF?

Why an emergency fund at all? Why not just have 100% equities in your taxable account?
by livesoft
Sat Dec 08, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 13
Views: 1202

Re: Christine Benz next podcast guest

Ms Benz has evolved into one of the leading proponents of a bucket strategy. What drives her to keep recommending buckets? She has no clients to keep assuaged, right? Does a Morningstar committee sit around and approve all her advice ahead of time?
by livesoft
Sat Dec 08, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Difference between Fidelity Total Bond & US Bond Index
Replies: 6
Views: 352

Re: Difference between Fidelity Total Bond & US Bond Index

With bond funds, it is a given that higher performance goes with higher risk (lower average credit rating and longer average maturity). What you really might want to look at is risk-adjusted return. Of these two funds, one is not an index fund, so add manager risk, too. A risk level of 3 by M* means...
by livesoft
Sat Dec 08, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Understand the Ramifications of My Accidental Wash Sale
Replies: 5
Views: 343

Re: Trying to Understand the Ramifications of My Accidental Wash Sale

Vanguard.com does a pretty good job of indicating in your online account if you have made a wash sale, what the disallowed loss is, and where the disallowed loss went. For help with deciphering the information presented see this thread: https://www.bogleheads.org/forum/viewtopic.php?t=179414 If no w...
by livesoft
Sat Dec 08, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are 401k contribution percents on salary before or after FSA/HSA elections?
Replies: 6
Views: 471

Re: Are 401k contribution percents on salary before or after FSA/HSA elections?

FWIW, we never used a percentage, but used a dollar amount. And we changed the amount whenever we wanted to. I doubt that one can only use a percentage. There must be a way to use a dollar amount. Sometimes the dollar amount set would result in a negative paycheck. Believe me, HR always has time to ...
by livesoft
Sat Dec 08, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 89
Views: 5058

Re: Retiring in 2 weeks, Traditional 401k

After reading through many of the posts in this thread, I would like to recommend that the OP get a book from the library and read it. They should have the parents read it as well. The book is Jane Bryant Quinn's "How to Make Your Money Last." The book will give an excellent overview of all the thin...
by livesoft
Sat Dec 08, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1300

Re: Best Re-balancing technique . . .

MikeT wrote:
Sat Dec 08, 2018 2:09 pm
Is the 5% thing between USA vs. International Vs. Bonds?
The 5% thing is anything you want it to be. That's the deal with rebalancing: Most of it just doesn't matter at all.
by livesoft
Sat Dec 08, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard Admiralty?
Replies: 4
Views: 401

Re: Fidelity equivalent of Vanguard Admiralty?

See https://www.bogleheads.org/wiki/Fidelity

But also right on the splash page of Fidelity.com Fidelity makes a comparison of their index funds to Vanguard index funds. I guess if I was the head of Fidelity marketing I would have to kill myself for being such a failure.
by livesoft
Sat Dec 08, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1300

Re: Best Re-balancing technique . . .

If you have to use a spreadsheet with a Merriman portfolio, then you have got something wrong. A Merriman portfolio should be pretty simple to deal with. I showed in this thread how I can do things without a spreadsheet: https://www.bogleheads.org/forum/viewtopic.php?t=150267 BTW, this month your po...
by livesoft
Sat Dec 08, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: How to know what expected price is for index funds/ETFs?
Replies: 4
Views: 253

Re: How to know what expected price is for index funds/ETFs?

I will just note that Vanguard does not set prices. Prices are set by what someone else is willing to pay for a share, so in reality it is people like you that set the price. Clearly, you are not willing to buy VTI at $1,000,000 a share. One can write about P/E and other metrics, but in the end, the...
by livesoft
Sat Dec 08, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 11
Views: 1312

Re: Warning: Problem with Vanguard Automatic Transactions for 12/06/2018

Can anyone report whether any other financial institution had problems like this please? Fidelity? Schwab? TDAmeritrade? Et al.?
by livesoft
Sat Dec 08, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Benchmark for Tax Equivalent Yield?
Replies: 8
Views: 584

Re: Benchmark for Tax Equivalent Yield?

When you write "ten-year performance" is that really 10-year yield or is that total return which includes capital gains/losses, too? You may wish to use triceratop's spreadsheet for a more complete analysis and better understanding of how things are taxed: https://www.bogleheads.org/forum/viewtopic....
by livesoft
Fri Dec 07, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Buy I-bonds Jan 1 or May 1?
Replies: 6
Views: 715

Re: Buy I-bonds Jan 1 or May 1?

Who knows? Or who can predict the future? What is the money going to be doing if you wait 6 months anyways? Maybe one should buy I-bonds at all?
by livesoft
Fri Dec 07, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Wash Sale Question
Replies: 6
Views: 370

Re: Quick Wash Sale Question

Does it matter that I also have VTSAX in tIRA and Roth IRA? No recent purchases there, but would I have to sell out of those positions a day before too? Bottom line I guess ... even if I did have a partial wash sale, if it's less than $100 or so, I'm thinking "who cares?". So $4,900 of my $5,000 lo...
by livesoft
Fri Dec 07, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Wash Sale Question
Replies: 6
Views: 370

Re: Quick Wash Sale Question

I am not a lawyer and I don't work for the IRS or the US Government. You would have a partial wash sale, but you are miscalculating the dollar amount of the loss that would be disallowed. The $1200 probably involves only about 18.??? shares of VTSAX and the loss on only those 18.??? shares would be ...
by livesoft
Fri Dec 07, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Harvesting a capital loss and what to do next?
Replies: 8
Views: 598

Re: Harvesting a capital loss and what to do next?

I would take this opportunity to change the portfolio to be more tax efficient. It is unlikely that a million dollars in a taxable bond fund in a taxable account is in the best interest of the taxpayer. Go ask a CPA about that. I see you have not requested overall portfolio advice, but good advice c...
by livesoft
Fri Dec 07, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpectedly subjected to my first Edward Jones sales-pitch...
Replies: 15
Views: 1585

Re: Unexpectedly subjected to my first Edward Jones sales-pitch...

LiterallyIronic wrote:
Fri Dec 07, 2018 5:52 pm
Ugh. How'd that guy even get a table at the event?
Chick-fil-A for the win.
by livesoft
Fri Dec 07, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio choices?
Replies: 7
Views: 383

Re: Portfolio choices?

I think the OP was looking for some simple advice. I see now that some of the advice has gotten complicated with no special benefit. For instance, portfolio visualizer cannot predict the future and has flaws of using only month-end numbers to look at the past.
by livesoft
Fri Dec 07, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpectedly subjected to my first Edward Jones sales-pitch...
Replies: 15
Views: 1585

Re: Unexpectedly subjected to my first Edward Jones sales-pitch...

Was there any food involved? EJ doesn't usually involve a free meal like some other places, but maybe in this setting at least some refreshments were available?
by livesoft
Fri Dec 07, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio choices?
Replies: 7
Views: 383

Re: Portfolio choices?

The answer is Yes. You should do something. Fortunately for you, any investments or choices that you make in your 401(k) can always be changed without tax consequences. So it really doesn't matter what you do. Try out some things for yourself. We can give you advice, but you are different from every...
by livesoft
Fri Dec 07, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in brokerage account?
Replies: 5
Views: 578

Re: What to put in brokerage account?

ETFs are Exchange-Traded Funds. That is, they are funds. And most ETFs follow or track an index, so an ETF is an index fund. So yes, you put index funds in your taxable brokerage account no matter whether they a mutual funds or ETFs. Select so-called tax-efficient funds such as a Total US Stock Mark...
by livesoft
Fri Dec 07, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Harvesting a capital loss and what to do next?
Replies: 8
Views: 598

Re: Harvesting a capital gains loss and what to do next?

Bond funds went up 1% or more in the past month. They could go up or down in the next 30 days. For myself, I would not want to be out of a bond fund in the next 30 days. So I would exchange the million dollars in bond fund A into a different bond fund B instead of sit in cash for 30 days. You didn't...
by livesoft
Fri Dec 07, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Not seeing the diversification benefits
Replies: 9
Views: 857

Re: Not seeing the diversification benefits

Everything you know about investing is wrong at some point in time. You can read all the books and watch all the TV shows and take to heart all the Bogleheads' tenets, but at various points in time and for various lengths of time, they will all be wrong in the future. So one just has to get used to ...
by livesoft
Fri Dec 07, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: I need some money from my portfolio , sell out of which fund??
Replies: 9
Views: 470

Re: I need some money from my portfolio , sell out of which fund??

I am following a similar process to raise ongoing spending money. I have one question about your process. Since there are no losing positions in step 2, does it matter if the security is the same (identical) in step 3? I am trying to avoid adding yet another security to my holdings, if i can avoid ...
by livesoft
Fri Dec 07, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: I need some money from my portfolio , sell out of which fund??
Replies: 9
Views: 470

Re: I need some money from my portfolio , sell out of which fund??

I also have to sell something to pay a couple of large credit cards bills. It would be nice if the December dividends appeared in a few days instead of towards the end of the month. My thought process will go like this: 1. I'm selling taxable because I don't want the extra taxes of selling and withd...
by livesoft
Thu Dec 06, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest - When and What You Buy
Replies: 5
Views: 708

Re: Tax Loss Harvest - When and What You Buy

There is no wash sale at all because you sold at a gain. After all, if you are picking individual stocks like XYZ, they only go up, right?

You have to sell something at a loss to even consider the wash sale rules in the first place.
by livesoft
Thu Dec 06, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 85
Views: 10141

Re: 20M Inheritance - What is best option for small/no risk on principal?

A $20 million portfolio would not need a 1% AUM advisor. Lots of the decent ones will do it for much less. You get a price break because the AUM are so large. Fees are negotiable anyways.
by livesoft
Thu Dec 06, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 22
Views: 1200

Re: Wash sale question

The buy date were listed as various. That won't matter and is true given what you told us. I suspect you did not have the Cost Basis Method set to Specific Identification, too. That didn't matter since you sold all shares. For the fund you exchanged into, you should probably set the Cost Basis Meth...
by livesoft
Thu Dec 06, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 22
Views: 1200

Re: Wash sale question

Vanguard is pretty trigger happy when it comes to indicating wash sales, so if they don't show it, one can conclude there was no wash sale.
by livesoft
Thu Dec 06, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Real Estate Index Fund Admiral Shares (VGSLX)
Replies: 2
Views: 249

Re: Vanguard Real Estate Index Fund Admiral Shares (VGSLX)

The REIT fund would sell the malls and buy the Amazon warehouses.

OTOH, the malls would be sold to Amazon and converted to warehouses. The parking lots would be for employee vehicles and all the delivery vehicles.
by livesoft
Thu Dec 06, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5843

Re: Wanting to buy on the dip today didn't workout

The SEC mandates settlement times and Vanguard has nothing to do with it. There are workarounds. For instance, it seems you want to make a $4,000 Roth IRA contribution today. Use your emergency fund, then replace the $4,000 in the emergency fund with selling in your taxable accounts. Or convert your...
by livesoft
Thu Dec 06, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8189

Re: Solid my entire portfolio 12/3/18

If you get back in NOW, then you will have made more money than the person who did not sell on 12/3/2018, so that's an automatic win.
by livesoft
Thu Dec 06, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation & Re-balancing
Replies: 5
Views: 343

Re: Asset Allocation & Re-balancing

1. Yes, across all accounts. I have one single portfolio spread across accounts. Some of my accounts have a single fund in them and are included of course in asset allocation analysis, but need no transactions during a rebalancing operation. 2. I listed a few tools that are easy to use in this threa...
by livesoft
Thu Dec 06, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1302

Re: ETFs vs Mutual Funds in Retirement Accounts

The pros and cons are well described in the wiki:
https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds

I use both, so that I get the advantages of both.
by livesoft
Thu Dec 06, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: What Now?
Replies: 11
Views: 1158

Re: What Now?

I don't understand your concern. How can you have a "substantial" loss with only 12% in equities? That doesn't make sense to me unless you have a really substantial amount of money invested (say, more than $10 million). Also at age 78, you have fewer years going forward that you will need your money...
by livesoft
Thu Dec 06, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Multi Account Re-balance Question
Replies: 11
Views: 597

Re: Multi Account Re-balance Question

Within reason I suggest have a bit of both equities and fixed income in all accounts. You usually want some growth in all accounts and an all fixed income account has little prospect for growth other than additional contributions. I don't want growth in all accounts. I am doing Roth conversions pie...
by livesoft
Thu Dec 06, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Multi Account Re-balance Question
Replies: 11
Views: 597

Re: Multi Account Re-balance Question

We have a few accounts with only bonds in them. Those accounts are simple and need no transactions or even looking at since the monthly dividends are automatically re-invested. We also have accounts that have only equities in them. Those accounts are simple and need no transactions since the quarter...
by livesoft
Thu Dec 06, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 1742

Re: Where have the turtleneck base layer shirts gone?

People use buffs now instead. Sold everywhere. More useful. www.buffusa.com
by livesoft
Wed Dec 05, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Warm-up before basketball game with space constraints?
Replies: 21
Views: 1107

Re: Warm-up before basketball game with space constraints?

Our teams would warm-up outside. Plenty of space.