Search found 4484 matches

by House Blend
Wed Aug 08, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1723

Re: Where to Hold TIPS?

States are free to tax the dividends produced by RICs in any way they see fit. And some states have rather peculiar rules in that regard (see NY, CA, maybe others). Although I don't have a TIPS fund in taxable, this is all news to me. I tried a search, but could not find anything specific, like a t...
by House Blend
Wed Aug 08, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1723

Re: Where to Hold TIPS?

Sorry, I am confused. Are the proceeds of the TIPs fund exempt from state taxation or not? Regarding state tax exemption on the dividends distributed by your TIPS-only mutual fund: In theory, not exempt. In practice, exempt. The "theory" is that states cannot tax interest on Federal obligations. Th...
by House Blend
Wed Aug 08, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 4865

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

for etfs higher nav is arguably better as spread is less as % of nav. +1. Don't need ETFs to spin this as negative, if that's what folks are trying to accomplish. Mutual fund pricing is measured in cents, so we can suppose that the price at close is "fair" to within $0.005/share. In that case a 10-...
by House Blend
Tue Aug 07, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Confusing IRA situation; Help requested
Replies: 17
Views: 1410

Re: Confusing IRA situation; Help requested

She'll be turning 56 next month. If I'm understanding you correctly you do not think she will be able to move that money from the 403b to a Traditional IRA even though it's only been a week or so. The fact that it was moved there automatically made it pre-tax? Unless TIAA or Prudential are willing ...
by House Blend
Tue Aug 07, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Confusing IRA situation; Help requested
Replies: 17
Views: 1410

Re: Confusing IRA situation; Help requested

Another idea: Based on the age of her IRAs, it is plausible that she has already celebrated, or will soon be celebrating, her 59.5th birthday. This brings with it the potential for in-service rollovers out of her 403(b) plan. In that case, if the speculation is correct in my hypothetical example tha...
by House Blend
Tue Aug 07, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Confusing IRA situation; Help requested
Replies: 17
Views: 1410

Re: Confusing IRA situation; Help requested

5. Option A : Keep the money in the 403b and keep track of the basis for tax purposes. (I'm far from an expert but I don't understand this. The 403b is all pre-tax and a significant portion of the Traditional IRA is money that was non-deductible. She shouldn't owe tax on any of that. Isn't form 860...
by House Blend
Wed Aug 01, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4788

Re: SocialSecurity.tools updated to include spousal benefits

Nice tool. Maybe consider another paragraph at the bottom of the page that contains the box for pasting in one's earnings record. I'd like to see a mention of the option to simply paste in plain text. I was happy once I realized I could just use something like this: 2013 $48,888 $48,888 2012 $47,888...
by House Blend
Wed Aug 01, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone help explain this employer retirement contribution wording?
Replies: 14
Views: 877

Re: Can someone help explain this employer retirement contribution wording?

First off, "mandatory for you to give is 3% of your salary and employer matches 3% dollar for dollar". I understand that part. But then it says: "Voluntary: any contribution above the mandatory level. Employer matches 2% of your voluntary contributions dollar for dollar as long as you contribute at...
by House Blend
Thu Jul 26, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2257

Re: Best source for simple market news?

As others have said, searching for "why" is futile unless you enjoy reading BS. (Granted, when the market jumps 1% or 2% in either direction in a matter of minutes, there's usually an identifiable reason.) That said, I have this page bookmarked. It's what I go to at the end of the day if I want an u...
by House Blend
Wed Jul 25, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3513

Re: Invest in guaranteed return or stock market?

I'd pick the rainbow unicorn. Meanwhile, here's a unicorn that not only is rainbow colored, it also has wings and x-ray vision. New York State teachers have a "Fixed Return Fund" in their 403(b) plan. It may be a "variable guarantee" (insert oxymoronic comment here), but Members who are serving in ...
by House Blend
Tue Jul 24, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale, now what?
Replies: 14
Views: 1172

Re: Wash Sale, now what?

Yes, when you sell shares at a loss, there's a window that extends 30 days into the past and the future for possible wash sales. Looks like you sold shares of a bond fund in early Feb, at a net loss, and this created a wash sale due to purchases of that fund on Jan. 8, Jan. 31, and Feb. 28. The latt...
by House Blend
Mon Jul 23, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2319

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

Another question about "getting the 2018 tax complexity over with": what happens if I don't go on to exhange ALL remaining taxable VTIAX for VTWAX this year? How will this affect my future returns? It seems like if I hold tight and do nothing more, I will need to correct Schedule D to reflect that ...
by House Blend
Mon Jul 23, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Where to find qualified dividend income for funds?
Replies: 15
Views: 1311

Re: Where to find qualified dividend income for funds?

I am also looking into QDI to select ETFs to hold for many years. I suppose that QDI of a fund can change due to events during a calendar year. However, does a QDI of a fund or ETF change significantly and trend higher/lower over several years? (If it does, then this strategy may not be a great one...
by House Blend
Sat Jul 21, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3169

Re: International Stocks in Taxable?

Maybe I misunderstand the list. What is wrong with #3? We exceed $20k of foreign QDI from our VG Total International fund, and combining the dividends from our two equity (US + International) funds and selling of shares creating LTCG, we are in either the 35% or 37% bracket for 2018 tax tables. We ...
by House Blend
Sat Jul 21, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3169

Re: International Stocks in Taxable?

Here's my summary of the five headaches associated with international fund dividends and Form 1116: 1. Exceeding the $300/$600 foreign tax level. 2. Claiming state income tax as an itemized Federal deduction. This is where a lot of tax software comes up short. 3. Exceeding $20K of foreign QDI, or b...
by House Blend
Fri Jul 20, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3169

Re: International Stocks in Taxable?

I know this is hard to give an accurate answer to, but what dollar amount would you guestimate you have to have in your taxable account to generate around $20k in foreign dividends on normal performance years? First, the limitation kicks in at 20k of QUALIFIED dividends from foreign sources. Those ...
by House Blend
Fri Jul 13, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Total returns
Replies: 20
Views: 1837

Re: Total returns

But now looking at my vtsax, the difference between the benchmark of 21.19% and 21.17% of vtsax's total return in 2017, is a difference of .02%, not the ER of .04%. Do you know why could be? https://investor.vanguard.com/mutual-funds/profile/performance/vtsax/cumulative-returns I would wager that m...
by House Blend
Fri Jul 13, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Total returns
Replies: 20
Views: 1837

Re: Total returns

Subtracting the expense ratios off the top of these returns gives me 27.44% and 27.23% which are no where near the benchmarks. So there must be some other math in here as suggested. Others have already pointed out that you should have *added* the expense ratio to the fund returns. Let me add that f...
by House Blend
Thu Jul 12, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: when is it better to take short term capital gain
Replies: 6
Views: 758

Re: when is it better to take short term capital gain

If you have capital losses exceeding your gains, it doesn't matter whether your gain is short-term or long-term (unless you have both types of gains in the year that your carryovers run out). Therefore, it is worth taking a short-term gain instead of a slightly larger long-term gain. Agreed. Here's...
by House Blend
Thu Jul 12, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolio article by Christine Benz
Replies: 85
Views: 6946

Re: Bucket Portfolio article by Christine Benz

Here's what my 85yo mother's withdrawal "strategy" looks like: Her gross income in 2017 from all sources (pension, RMDs, dividends from taxable) was X. Her 2017 spending (including income tax) was about 70% of X. Yes, if you have a big pension that, together with SS more than covers your expenses, ...
by House Blend
Thu Jul 12, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Bucket Portfolio article by Christine Benz
Replies: 85
Views: 6946

Re: Bucket Portfolio article by Christine Benz

Here's what my 85yo mother's withdrawal "strategy" looks like: Her gross income in 2017 from all sources (pension, RMDs, dividends from taxable) was X. Her 2017 spending (including income tax) was about 70% of X. It's been like that for several years. Buckets aren't even in the conversation. The onl...
by House Blend
Wed Jul 11, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 11069

Re: Six stocks make up 98% of S&P 500 gains in 2018

The only meaningful way to attribute proportions of returns to a (cap weighted) index is by market cap. I assume they did that? I think you misunderstand what I meant. For example the 10 largest holdings in VFINX account for ~22% of the assets (as of 5/31/18). So they account for ~22% of the return...
by House Blend
Wed Jul 11, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2431

Re: Market Timing - A fool's game?

I have to confess something...i'm in charge of deploying my wife and my savings and for our monthly contribution to taxable account (VFIAX), I've always noticed "bad habit dies hard" because i can't help but wanting to "optimize" my entry into the market on a daily basis depending on which directio...
by House Blend
Wed Jul 11, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 11069

Re: Six stocks make up 98% of S&P 500 gains in 2018

The only meaningful way to attribute proportions of returns to a (cap weighted) index is by market cap. I assume they did that? I think you misunderstand what I meant. For example the 10 largest holdings in VFINX account for ~22% of the assets (as of 5/31/18). So they account for ~22% of the return...
by House Blend
Wed Jul 11, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 11069

Re: Six stocks make up 98% of S&P 500 gains in 2018

My thoughts are My thoughts: this is useless nonsense. To CNBC: Why not go with a clickbaitier headline, and point out that the top 10 stocks *trounced* the 500 index, rather than having a mere 6 that come close? The only meaningful way to attribute proportions of returns to a (cap weighted) index ...
by House Blend
Wed Jul 11, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: "15 Things You Didn't Know About Vanguard Group"
Replies: 13
Views: 3649

Re: "15 Things You Didn't Know About Vanguard Group"

(part of) #5:In 2017, 9 out of every 10 dollars invested in the United States went through Vanguard Can this be right? Only 10% of people using individual stocks or bonds, Fidelity, Schwab, Blackrock (including iShares) etc. for their new investments? For what it's worth, searching for the quote on...
by House Blend
Mon Jul 09, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Did I screwup and create a wash sale? First try at tax loss harvest
Replies: 22
Views: 2319

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

I might have screwed up big time. I converted 11k worth of VTSAX to VTIAX in my spouse's Roth IRA within 30 days of the 07/02/2018 sale where I was trying to harvest $3400 of losses. I'm pretty disheartened at this point, I guess I can't claim any of those losses at all? If my tax software can't do...
by House Blend
Tue Jul 03, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1552

Re: Does the ROTH IRA force us to rebalance in January?

My thought is that realizing gains when I don't need to is sub-optimal. Either way, every dollar is invested immediately. Agreed. Realizing capital gains when you have enough cash flow to eventually max out the Roth IRA would be a mistake IMO. (Exception if you pay 0% tax on LT cap gains.) Note tha...
by House Blend
Mon Jul 02, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to find a complete list of 403b fees in TIAA plan?
Replies: 9
Views: 563

Re: How to find a complete list of 403b fees in TIAA plan?

I think your employer pays TIAA certain management fees, so all we investors need worry about is the stated Expense Ratio. TIAA doesn't charge us an additional $xx per quarter to invest with them. In case it isn't clear to others reading along, that's completely wrong. TIAA is able and willing to s...
by House Blend
Sun Jul 01, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1600

Re: Required minimum distributions from IRA

This is especially the case given that RMD's for multiple IRA's can be combined and removed from only one IRA. So the financial institution wouldn't know whether you've already paid it or not. For 403b's or other retirement account types where the RMD *must* come for that specific account, and can'...
by House Blend
Sat Jun 30, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Are tip funds and etfs exempt from state taxes just like indiv tips ?
Replies: 5
Views: 626

Re: Are tip funds and etfs exempt from state taxes just like indiv tips ?

with holding vtip etc is that also exempt in taxable accounts ? Whether it is taxable by the state depends on your state tax laws. It's true that states cannot tax interest from US gov obligations. However, as an investor who owns shares in a mutual fund or ETF, you are not the owner of record of a...
by House Blend
Thu Jun 28, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: [Tax Lost Harvesting Question, non-qualified dividends]
Replies: 2
Views: 229

Re: [Tax Lost Harvesting Question, non-qualified dividends]

I am also planning on TLH VTIAX for VFWAX as above. I do not currently own any VFWAX. I have several lots of VTIAX with losses that I have held for more than 61 days (and thus the recent dividend is qualified for whatever percentage is declared as qualified). I also have 2 lots with losses that I h...
by House Blend
Wed Jun 27, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4981

Re: Is there a way to avoid bad companies in S&P 500?

Most of the S&P 500 companies disappear or change in 50 years. Is there a way to filter out terrible companies? Because if you buy the haystack, there has to be a few bad eggs out there. The difficulty is, because of the positive skew in the distribution of returns for S&P 500 stocks, nearly half o...
by House Blend
Mon Jun 25, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: using CDs and bonds to generate tax losses
Replies: 7
Views: 839

Re: using CDs and bonds to generate tax losses

Just a question (because I really don't know the answer)... Can a loss on CDs due to EWP be claimed as a capital loss? If so, do you determine LT or ST by how long you've owned the CD? Actually Line 30 on the Form 1040 is dedicated to this one purpose--claiming a penalty on early withdrawal. It's o...
by House Blend
Wed Jun 20, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Changing from Average Cost basis to Spec ID
Replies: 4
Views: 524

Re: Changing from Average Cost basis to Spec ID

Yes you can do this, and yes I would do it. * You get a harvested loss of $10,000 * You eliminate all of your non-covered and averaged shares Win win. You could switch from Average Basis to Spec ID today, without any sales, but it wouldn't alter the fact that you have old purchases whose costs are a...
by House Blend
Tue Jun 19, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting
Replies: 24
Views: 1881

Re: Tax Gain Harvesting

Is anyone planning to do Tax Gain Harvest to take advantage of the new low tax rate? :moneybag The tax rates on long term capital gains have not changed. So there's no extra incentive for tax gain harvesting this year as opposed to last year. (The new tax law does have effects on deductions. Many t...
by House Blend
Sat Jun 16, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion advice - charitable beneficiaries
Replies: 6
Views: 590

Re: Roth conversion advice - charitable beneficiaries

2. If I understand you correctly, you're saying that if, later on, our spending needs exceed SS + RMDs, such that additional IRA withdrawals become necessary, take from Roth. Right? Sounds like you already have Roth accounts. If your estate will go to charity, then it can be considered a miscalcula...
by House Blend
Fri Jun 15, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion advice - charitable beneficiaries
Replies: 6
Views: 590

Re: Roth conversion advice - charitable beneficiaries

A few comments: 1. Once you start SS income, your marginal tax rate may increase. This is true even if your entire IRA gets donated to charity and you never have any RMDs. It's a bit more subtle than just having more income. See https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits 2....
by House Blend
Mon Jun 11, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25784

Re: Documentaries to recommend?

American Experience is a terrific documentary series produced by public television that digs into neglected parts of US history. I recently saw an episode (released in January) that I highly recommend: The Secret of Tuxedo Park . https://www.pbs.org/video/the-secret-of-tuxedo-park-zfeomc/ To a larg...
by House Blend
Mon Jun 11, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 184
Views: 26017

Re: Don’t cheat yourself with the 4% rule

That's interesting but doesn't work for recent years where bonds were paying less, and the combined total was less. I think everybody has generally accepted that 4% was based on betting on a single economy and getting lucky, and virtually nobody suggests relying on that now. So you lose half a perc...
by House Blend
Fri Jun 08, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Withdraw from TIRA or Roth, it doesn't matter?
Replies: 14
Views: 1240

Re: Withdraw from TIRA or Roth, it doesn't matter?

Generally, you should Roth convert only if you believe that your current tax rate is low compared to some future tax rate you will face. Also, you should withdraw from any flavor of IRA only if you are forced (RMD), or you need the money for current expenses. It's true that both circumstances could ...
by House Blend
Sat Jun 02, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA commingles Roth and non-Roth retirement funds?
Replies: 14
Views: 1224

Re: TIAA commingles Roth and non-Roth retirement funds?

If you are at a 403(b) type institution is possible that you have access to multiple providers. E.g., TIAA and Fidelity. So even if TIAA and Fidelity both do the same dumb commingling of Roth and traditional contributions, there would be nothing stopping you from splitting your 403(b) contributions ...
by House Blend
Tue May 22, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How are dividends from Vanguard taxed?
Replies: 9
Views: 920

Re: How are dividends from Vanguard taxed?

"Qualified" dividends are taxed at the long term capital gains rate. Most dividends from U.S. corporations are "qualified" dividends. Dividends that are not qualified are taxed as ordinary Federal income tax rates. Dividends from REITs are not "qualified" dividends. I also believe that there is a h...
by House Blend
Tue May 22, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 862

Re: Roth IRA contributions during semi-retirement?

...those who semi-retire before age 59 1/2 and still earn a salary Hmm, first two replies involve folks way beyond their 59.5th birthday.... Yes, it makes sense and should be prioritized above any Roth converting. It is pretty much a no-brainer if your total income from all sources (including thing...
by House Blend
Thu May 17, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3639

Re: Hot food flavoring (sauces, spices and peppers)

Our favorite HOT hot sauce is Sambal Oelek, a Thai chili paste. It packs a wallop and is flavorful, too. Me too. We call it "nuke sauce" chez Blend. Way more useful than Sriracha IMO. I use it in most stir-frys. We have a few other go-tos, such as Tabasco-ish pepper sauces. Love the Mango-Tomatillo...
by House Blend
Fri May 11, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?
Replies: 10
Views: 1156

Re: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?

From The numbers you gave, it sounds like selling the short term assets will generate less of a tax hit (~$1660) than the long term assets (~$2300) to liquidate $50k. This will, in turn, use up less of your carried losses, allowing you to use more against your ordinary income. Huh? The way I read t...
by House Blend
Fri May 11, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Questions about RMDs
Replies: 41
Views: 5882

Re: Questions about RMDs

2015 – 10 months in NJ + 2 months in Arizona Tax exempt interest dividend from Box 10 and on line 8b:2,411 Social Security: 20A $15,515, 20b $1,416 AGI $19,078 (which includes: Unemployment $10,340 + Wages $5,831 and interest) [...snip...] 4 different years with different AGIs and living in 2 diffe...
by House Blend
Thu May 10, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?
Replies: 10
Views: 1156

Re: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?

I have stockpiled about $7000 in losses, a mix of short term and long term, and would certainly prefer not to use up these losses as I have over $3000 in taxable dividend income a year. Selling the long term gainers would pretty much use up my losses. I'm pretty good about harvesting losses but pic...