Search found 63 matches

by ishkadetto
Sat Aug 11, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 134
Views: 12385

Re: Anyone noticing Vanguard website changes today Saturday August 11

I noticed at about 11pm Pacific Time last night.

I also don't like the changes and hope it's not the final rendition.
by ishkadetto
Sun Jul 22, 2018 1:40 pm
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

The Vanguard.com web site already shows you all your wash sales in your taxable account, right? Please look and tell us. So that's no big deal at all. You only have to figure out the Roth IRA transactions. Yes, some wash sales are indicated when I look at the cost basis tab (on the shares bought in...
by ishkadetto
Sun Jul 22, 2018 1:00 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

If your net unrealized gains in the taxable account are minimal or negative, I would suggest that you exchange all of your shares of VTIAX for VFWAX, so that you can start with a clean slate. Note that this will not alter the fact that some of your replacement shares were purchased in an IRA. Howev...
by ishkadetto
Mon Jul 09, 2018 2:15 pm
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

Yes, you will not be able to rely on tax software or your 1099-B to report this correctly. The main options are to figure this out yourself or pay someone to do it for you. A simplified version goes like this: Order all of the shares sold at a loss from oldest to newest. Order all of the replacemen...
by ishkadetto
Mon Jul 09, 2018 11:22 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

It just occurred to me this morning that my Roth IRA with Vanguard holds VTIAX and therefore also received a dividend on 06/21/2018. Is this an additional complicating factor? Or not a problem because its tax-deferred? Additional complication. I believe selling the lot would correct. No. The portio...
by ishkadetto
Mon Jul 09, 2018 9:26 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

It just occurred to me this morning that my Roth IRA with Vanguard holds VTIAX and therefore also received a dividend on 06/21/2018. Is this an additional complicating factor? Or not a problem because its tax-deferred? Additional complication. I believe selling the lot would correct. Hmmm looks lik...
by ishkadetto
Mon Jul 09, 2018 9:21 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

Edit: On your Vanguard Balance and Holdings page, click on Cost Basis in the headings over your taxable account. That should get you to the page where you can Show Details to look at separate lots (assuming you have specified Specific Id as your method). Perfect, thank you thank you thank you that ...
by ishkadetto
Mon Jul 09, 2018 9:10 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

Why not sell everything now if it is all at a loss? You might as well get the biggest loss available. Yes, definitely sell the latest month's purchases to avoid a wash sale, especially since they are losses. If it all is sold in the same year, the "wash" should correct itself and it wouldn't matter...
by ishkadetto
Mon Jul 09, 2018 9:08 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

06/04/2018: Automatic purchase of some VTIAX 06/18/2018: Automatic purchase of some VTIAX 06/21/2018: VTIAX dividend reinvestment 07/02/2018: Sold some VTIAX lots for a loss It just occurred to me this morning that my Roth IRA with Vanguard holds VTIAX and therefore also received a dividend on 06/2...
by ishkadetto
Mon Jul 09, 2018 8:58 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Re: Did I screwup and create a wash sale? First try at tax loss harvest

Yes you'll have a partial wash sale with basis adjustment for the June lots. (Depending on your broker, online interface may show you the adjusted basis calculation for those lots, if the transactions were all in same account.) Yes, you could recover by TLHing the June lots now and/or TLHing the en...
by ishkadetto
Mon Jul 09, 2018 12:18 am
Forum: Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2718

Did I screwup and create a wash sale? First try at tax loss harvest

Well I may have gotten too excited rearranging my accounts the other week... here's what I did: Every two weeks for the last year I made an automatic purchase of VTIAX, most recent being: 06/04/2018: Automatic purchase of some VTIAX 06/18/2018: Automatic purchase of some VTIAX 06/21/2018: VTIAX divi...
by ishkadetto
Wed Jun 27, 2018 11:30 pm
Forum: Personal Investments
Topic: Thoughts on AA, tax strategy, TSP changes
Replies: 5
Views: 888

Re: Thoughts on AA, tax strategy, TSP changes

Assuming you've worked through triceratops's master spreadsheet adjusted for your specific tax situation and it says use domestic in taxable, then i think you can prioritize domestic in taxable and get international in your Roth IRA and TSP (to the extent you have room after use of the G fund). If ...
by ishkadetto
Wed Jun 27, 2018 3:00 pm
Forum: Personal Investments
Topic: Thoughts on AA, tax strategy, TSP changes
Replies: 5
Views: 888

Thoughts on AA, tax strategy, TSP changes

Emergency Fund: Fully Funded Debt: $0 Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 9.3% State State of Residence: CA Age: 35 Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 30-40% of stocks Current Breakdown: 34.4% Domestic Stocks 17.2% Internat...