Suggestions for the Wiki

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LadyGeek
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Re: Suggestions for the Wiki

Post by LadyGeek » Mon Feb 19, 2018 4:47 pm

No problem. There was one extra line after footnoe #7, which is fixed. The rest is identical to the published chart.

See: IRA rollovers and transfers

Update: Another wiki has corrected the footnotes after my original edit.
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crit
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Re: Suggestions for the Wiki

Post by crit » Mon Feb 19, 2018 9:18 pm

Hi. Apologies for not searching whether this suggestion has been made here in advance, but I'm on mobile.

In the Backdoor Roth page, I think it would be worthwhile to post a suggestion. To report a full backdoor in Turbo Tax (at least, and possibly other software), it is often helpful to skip the suggested order of entry, which is income first, and IRAs later. Instead, use the index of topics to report the contribution to traditional IRA first. Then go back to the income section to enter the 1099R that reports the distribution, aka conversion, to Roth.

In my (and it seems, several others') experience, TurboTax gets confused if you report the income (1099R) component first.

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Re: Suggestions for the Wiki

Post by Max125 » Tue Mar 13, 2018 11:32 am

Hi,

on the page „Bogleheads® investment philosophy“ in the paragraph „Diversify“ it’s said that „If there were no fees, then every year, half of all actively managed funds would outperform the index (because the index is the average).“

This is only true for the median. Because average mostly means arithmetic mean (at least in Germany. So please correct me if I’m wrong) that’s false.

An oversimplified example for clarification:
If two funds are at 8 and four funds are at 2 the average is 4, yet only two are above and 4 are under the average.

This short sentence should probably be removed or clarified.

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Re: Suggestions for the Wiki

Post by ShortStop » Wed Mar 14, 2018 9:54 pm

On the FTSE Developed Asia Pacific All Cap Index Wiki page the FTSE Pacific ETF is listed as VXUS twice. It should be VPL.

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Re: Suggestions for the Wiki

Post by LadyGeek » Wed Mar 14, 2018 10:34 pm

Yes, it should be VPL. Thanks!

The wiki has been updated: FTSE Developed Asia Pacific All Cap Index
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Re: Suggestions for the Wiki

Post by LadyGeek » Thu Mar 15, 2018 4:01 pm

Max125 wrote:
Tue Mar 13, 2018 11:32 am
Hi,

on the page „Bogleheads® investment philosophy“ in the paragraph „Diversify“ it’s said that „If there were no fees, then every year, half of all actively managed funds would outperform the index (because the index is the average).“

This is only true for the median. Because average mostly means arithmetic mean (at least in Germany. So please correct me if I’m wrong) that’s false.

An oversimplified example for clarification:
If two funds are at 8 and four funds are at 2 the average is 4, yet only two are above and 4 are under the average.

This short sentence should probably be removed or clarified.
Welcome! Thanks for the correction, the wiki has been revised: Bogleheads® investment philosophy - Bogleheads (Diversify)

The wiki is a collaborative effort. The View history tab (top-right corner) shows the editing activity.

Changes can be seen by selecting two revisions, then "Compare selected revisions". Your suggestion has been implemented here.
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davidski
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Wiki - Correcting Dead Link

Post by davidski » Sun Sep 02, 2018 5:01 pm

I'm a relatively recent lurker and hence don't have PM permissions to request Wiki edit rights.

The wiki entry for Reverse Mortgages has a dead link to Washington state's deferred tax program for seniors. The correct link should be - https://dor.wa.gov/content/property-tax ... ed-persons.

If someone with edit permissions could make this change, that would be terrific. Thanks!

-David

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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Sep 02, 2018 6:11 pm

Welcome! I moved your post into relevant thread.

Thanks, the link has been fixed. See: Reverse mortgages
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Re: Suggestions for the Wiki

Post by indexlover » Tue Dec 11, 2018 1:01 pm

Hello admins,
Do you think a link to the excerpts from Mr. Bogle''s Princeton thesis can be posted in the wiki's.
https://www.etf.com/docs/magazine/2/2012_201.pdf

Page 10 has the excerpts.
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Re: Suggestions for the Wiki

Post by Barry Barnitz » Tue Dec 11, 2018 1:32 pm

indexlover wrote:
Tue Dec 11, 2018 1:01 pm
Hello admins,
Do you think a link to the excerpts from Mr. Bogle''s Princeton thesis can be posted in the wiki's.
https://www.etf.com/docs/magazine/2/2012_201.pdf

Page 10 has the excerpts.
Here is a direct link to the excerpts: The Economic Role Of The Investment Company, February 28, 2012, ETF.com.

regards,
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Re: Suggestions for the Wiki

Post by Angst » Wed Dec 12, 2018 12:23 am

Hope this works... I'm pasting below a PM I sent to user "tfb" who once in the past was a wiki editor - my mistake - but no longer is. Maybe someone else can update this broken link I identified? Thank you in advance!

tfb wrote:
Tue Dec 11, 2018 11:15 pm
Angst wrote:
Tue Dec 11, 2018 12:05 pm
Hi Tfb,

I'm not a Wiki editor but I see that you first created the Wiki page: "Treasury Inflation Protected Security" and I have identified a dead link in it and have a new link to replace it with. In this Wiki page's Bibliography section, the pdf link (below) is no longer active:

Campbell, John Y. , Shiller, Robert J. , and Viceira, Luis M., Understanding Inflation-Indexed Bond Markets

I have a current link for it though:
https://www.brookings.edu/wp-content/up ... mpbell.pdf

This is an excellent paper and I'm hoping you can update the Wiki link for it.

I just posted in a current thread and while linking in it to this paper I discovered that the old Wiki link was dead. Thank you for your help!

Angie
Hi Angie,

Thank you for telling me about it. Unfortunately I no longer have wiki editing privilege. The Wiki admins must have re-done the wiki users setup. My user name now shows up as not found.

https://www.bogleheads.org/wiki/User:Tfb

[Personal info removed by admin LadyGeek]

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Re: Suggestions for the Wiki

Post by FiveK » Wed Dec 12, 2018 12:58 am

Angst wrote:
Wed Dec 12, 2018 12:23 am
Hope this works... I'm pasting below a PM I sent to user "tfb" who once in the past was a wiki editor - my mistake - but no longer is. Maybe someone else can update this broken link I identified? Thank you in advance!
Done - thanks for doing the hard part of finding a working link!

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Re: Suggestions for the Wiki

Post by Angst » Wed Dec 12, 2018 9:24 am

FiveK wrote:
Wed Dec 12, 2018 12:58 am
Angst wrote:
Wed Dec 12, 2018 12:23 am
Hope this works... I'm pasting below a PM I sent to user "tfb" who once in the past was a wiki editor - my mistake - but no longer is. Maybe someone else can update this broken link I identified? Thank you in advance!
Done - thanks for doing the hard part of finding a working link!
:sharebeer
Thanks FIveK!

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Re: Suggestions for the Wiki

Post by Spirit Rider » Sat Dec 15, 2018 3:50 pm

I suggest the following updates and important additions/modifications to the Wiki.

With the increasing number of forum members discussing the use of custom one-participant 401k plans. It has become apparent that the vast majority of them are not aware of the 415(c)(1)(B) 100% of compensation limit. This is especially true of its effect on the maximum employee after-tax contribution limit for self-employed individuals who are also making employer contributions.

I have provided the relevant references so you can verify the accuracy of the suggested changes. I feel these changes are critical, because the IRS provides no guidance or content/worksheet in publications and to my knowledge no tax software has addressed this. You could also ask tfb to review it for accuracy.

I'm afraid that a significant percentage of moonlighting forum members with < $68.75K in net self-employment earnings have and/or will make excess annual additions and not even realize it.

After-Tax 401(k) Wiki Page
After-Tax 401(k) limits
Traditional and Roth accounts share an employee deferral limit up to $18,500 per person for 2018 and $19,000 for 2019. However, Section 415(c)(1)(A) limits total contributions to defined contribution plans to $55,000 in 2018[2] and $56,000 in 2019[*]. ADD/MODIFY:Section 415(c)(1)(B) also limits total contributions to 100 percent of the participant’s compensation. The limit for an after-tax 401(k) is the difference between the amount already contributed by the employer and employee, and the lesser of the two Section 415(c)(1) limits. Reference 26 U.S. Code 415(c)

Solo 401(k) plan Wiki Page
Contribution limits
A Solo 401(k) contribution consists of two standard parts, an employee salary deferral contribution and an employer profit sharing contribution and an optional third part; employee after-tax contributions (currently only available from custom plans). The maximum allowable salary deferral contribution is $18,500 in 2018, $19,000 in 2019 (not to exceed 100% of pay and no more than $275,000 of pay for 2018, $280,000 for 2019 can be taken into account).[5] If one is age 50 or older one can make a maximum $6,000 catch up contribution. Depending on how the business is organized, 25% of employee salary or 20% of business earnings can be used for employer contributions. In 2018, the combined employee and employer maximum contribution limit is $55,000; in 2019, it is $56,000. The combined employee and employer maximum contributions are subject to the lesser of 100% of compensation or $55K in 2018 or $56K in 2019. The catch-up contributions do not count towards these limits.[6] Both sSalary deferrals, profit sharing contributions and optionally employee after-tax contributions are discretionary, so contribution levels can be adjusted to the fluctuations of business income.

Solo 401(k) Contribution Calculation - for an S or C corporation or an LLC taxed as a corporation
  • For W-2 shareholder-employees, your compensation is your W-2 box 1 with Box 12 pre-tax contributions added back in.
  • Employee Salary Deferral Contribution: 100% of compensation up to the maximum of $18,500 in 2018 and $19,000 in 2019, or $24,500 in 2018 and $25,000 in 2019 if age 50 or older can be contributed to an Individual 401(k).
  • Employer Profit Sharing Contribution: A profit sharing contribution up to 25% of compensation can be contributed into an Individual 401(k).[5] The maximum employer contribution (not counting employee after-tax contributions) is the lesser of the two annual addition limits - employee deferrals - employee after-tax contributions.
  • Employee after-tax Contribution: 100% of compensation. The maximum employee after-tax contribution is the lesser of the two annual addition limits - employee deferrals - employer contributions.
Solo 401(k) Contribution Calculation - for a sole proprietorship, partnership or an LLC taxed as a sole proprietorship
  • Employee Salary Deferral Contribution: These business organizations do not provide a W-2 salary to the business owner. The employee salary deferral contribution is calculated by taking gross self-employment income and then subtracting business expenses and then subtracting 1/2 of the self-employment tax (this is termed net adjusted business profit). 100% of net adjusted business profits income up to the maximum of $18,500 in 2018 and $19,000 in 2019 (or $24,500 in 2018 and $25,000 in 2019 if age 50 or older) can be contributed as employee salary deferrals into an Individual 401(k).
  • For self-employed individuals, your compensation takes into account both the following items from your business profit. Reference see Publication 560 Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans), Chapter 4. Qualified Plans, Deduction Limit for Self-Employed Individuals, top of third column page 15.
    • The deduction for the deductible part of your self-employment tax.
    • The deduction for employer contributions on your behalf to the plan.
  • The above bullet is the reason that the employer 25% of compensation limit is calculated as 20% of net adjusted business profit. It is also (not counting employee after-tax contributions), the reason that that employer contributions are limited to (net adjusted business profit - employee deferral) / 2. Reference see Publication 560 Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans), Chapter 5. Table and Worksheets for the Self-Employed, Deduction Worksheet for Self-Employed, Steps 10 - 13, page 22. Or solving for maximum employee deferral = net adjusted business profit - (employer contributions * 2). The reason it is employer contribution * 2, is that this contribution both reduces compensation and the total contribution space available. This is also applicable to the maximum Employee After-tax Contribution below.
  • Employer Profit Sharing Contribution: An employer profit sharing contribution can be made up to 20% of net adjusted businesses profit. Net adjusted business profit is calculated by taking gross self-employment income and then subtracting business expenses and then subtracting 1/2 of the self-employment tax.[5]
  • Employee After-tax Contribution: 100% of net adjusted business profits. Your maximum after-tax contributions are limited to the $55K/$56K limit - employee deferrals - employer contributions and are additionally limited to business profit - 1/2 SE tax - employee deferrals - (employer contributions * 2).

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Re: Suggestions for the Wiki

Post by LadyGeek » Mon Dec 17, 2018 8:09 pm

Thanks! Your changes have been incorporated. How's it look?

- After-tax 401(k)

--What changed: Difference between revisions of "After-tax 401(k)"
-- Prior version: Revision as of 20:32, 11 December 2018

- Solo 401(k) plan

--What changed: Difference between revisions of "Solo 401(k) plan"
-- Prior version:
Revision as of 19:13, 4 November 2018


The wiki is a collaborative effort. The editor(s) who worked on the page are listed in the "View history" tab at the top-right corner of the article. (In this case, Barry Barnitz incorporated the changes, not me.)
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Re: Suggestions for the Wiki

Post by LadyGeek » Tue Dec 18, 2018 10:27 pm

mhalley has a question which is better addressed as a stand-alone discussion (vs. posting here). See: 401k Wiki suggestion [Rate your 401k expense ratio]
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HSA Page on Wiki is incorrect about Alabama taxation

Post by seonwoolee » Sun Dec 23, 2018 1:38 pm

The wiki page for HSAs has outdated information concerning Alabama; as of 2018 it conforms with federal law.

I'd edit the wiki myself but I don't have privileges to do so

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Re: Suggestions for the Wiki

Post by LadyGeek » Sun Dec 23, 2018 2:04 pm

seonwoolee, Welcome! I moved your post into the discussion which will be seen by the wiki editors.
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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Re: HSA Page on Wiki is incorrect about Alabama taxation

Post by grabiner » Sun Dec 23, 2018 2:31 pm

seonwoolee wrote:
Sun Dec 23, 2018 1:38 pm
The wiki page for HSAs has outdated information concerning Alabama; as of 2018 it conforms with federal law.

I'd edit the wiki myself but I don't have privileges to do so
Thanks; I'll update the wiki. Only CA and NJ now remain.
Wiki David Grabiner

longinvest
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Re: Suggestions for the Wiki

Post by longinvest » Mon Dec 31, 2018 12:59 pm

I should have read the main Wiki page and discovered the link to this thread, before creating another thread. Anyway, here's my suggestion:

Behavioral Pitfalls: Money Illusion? (Wiki)
longinvest wrote:
Mon Dec 31, 2018 10:30 am
I sometimes refer to the money illusion in my posts. The money illusion is the tendency to think of currency in nominal, rather than real, terms.

I would have intuitively considered this as a behavioral pitfall, yet when I looked into our wiki's Behavioral pitfalls page, I didn't find any behavioral pitfall related to the illusion of nominal currency.

Should the money illusion be added to the list of behavioral pitfalls? What do behavioral pitfall experts think?
Bogleheads investment philosophy | Lifelong Portfolio: 25% each of (domestic / international) stocks / (nominal / inflation-indexed) bonds | VCN/VXC/VLB/ZRR

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Re: Suggestions for the Wiki

Post by LadyGeek » Mon Dec 31, 2018 2:27 pm

If a consensus is needed, it's better to start a new thread. Then, post a link here so the wiki editors will know an update has been requested. (Done in the previous post.)

FYI - If you are already a wiki editor and are willing to update the wiki yourself, there's no need to post here.
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Roth IRA for kids.

Post by dratkinson » Wed Jan 09, 2019 6:49 pm

I looked but did not find a Wiki page on this topic.

Would it be a good idea to include a "Roth IRA for Kids" page in the Wiki?


I ask because in the current topic "8 year old investing help", viewtopic.php?f=1&t=267082 , a dad describes how he created a Roth IRA for his son: did the research, talked to his CPA, opened "Fidelity Roth IRA for Kids" account.

A later reply identified a website, http://irakids.com , that describes how in ~2007, a grandfather opened a Roth IRA for his 12yo granddaughter using her babysitting income.

I found it most interesting that the IRAKids website includes examples of the tax forms required for a child to document self-employment income. The tax forms are several years old, but still helpful:
See: Paying Taxes: http://irakids.com/index.php?section=ho ... ying_taxes


So we have a dad today, reinvesting a wheel that has existed for several years.

Would think we should be able to ask the IRAKids website for permission to link to them and use them as our initial Wiki page reference. And include that Wiki page among the others offering investing options for children: 529 plan,....


So for futures searchers of the BH forum....

Simple action steps to create, fund, and document a child's Roth IRA: the child, with adult's help,...
--Opens a free, zero-balance savings account at a local B&M credit union.
--Opens a Fidelity Roth IRA for Kids, and links it to CU account.
--Keeps good records of earned income. (From babysitting, mowing the lawn,....)
--Child's earned income goes into their CU savings, and is periodically sent to their Fidelity Roth IRA.
--Completes/files tax forms to document Roth contribution.


If the day should come when the IRAKids website should go away, then we would need to incorporate its advice into the Wiki. But for now, a quick fix to prevent future BH forum searchers from needing to reinvent this wheel, could be to provide a Wiki topic page reference and a link to the IRAKids website.

And recognize the IRAKids website founders for their groundbreaking work.



If you like, I could contact the IRAKids point of contact for permission to link to them as the new Wiki topic's initial resource.
d.r.a, not dr.a. | I'm a novice investor, you are forewarned.

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FiveK
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Re: Roth IRA for kids.

Post by FiveK » Wed Jan 09, 2019 7:31 pm

dratkinson wrote:
Wed Jan 09, 2019 6:49 pm
I looked but did not find a Wiki page on this topic.

Would it be a good idea to include a "Roth IRA for Kids" page in the Wiki?
If you do, another link could be Where to start a child's Roth IRA with very low income?

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Re: Suggestions for the Wiki

Post by jlint3024 » Thu Jan 10, 2019 4:55 pm

Please add QCD - Qualified Charitable Distribution - to your list of Abbreviations and Acronyms

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Re: Suggestions for the Wiki

Post by Barry Barnitz » Thu Jan 10, 2019 5:28 pm

jlint3024 wrote:
Thu Jan 10, 2019 4:55 pm
Please add QCD - Qualified Charitable Distribution - to your list of Abbreviations and Acronyms
Thanks, the acronym has been added to the list.

regards.
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Re: Roth IRA for kids.

Post by CollegePrudens » Mon Jan 14, 2019 8:06 am

dratkinson wrote:
Wed Jan 09, 2019 6:49 pm
I looked but did not find a Wiki page on this topic.

Would it be a good idea to include a "Roth IRA for Kids" page in the Wiki?
FiveK wrote:
Wed Jan 09, 2019 7:31 pm
If you do, another link could be Where to start a child's Roth IRA with very low income?
dratkinson, FiveK - any action on creating a "Roth IRA for Kids" page? If not (and I don't see one), I am willing to put one together from the links and threads linked to above. Let me know!
We need to learn to want what we have, not to have what we want, in order to get stable and steady happiness - The 14th Dalai Lama

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Re: Roth IRA for kids.

Post by FiveK » Mon Jan 14, 2019 8:30 am

CollegePrudens wrote:
Mon Jan 14, 2019 8:06 am
dratkinson, FiveK - any action on creating a "Roth IRA for Kids" page? If not (and I don't see one), I am willing to put one together from the links and threads linked to above. Let me know!
Have at it - thanks!

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Re: Suggestions for the Wiki

Post by dratkinson » Mon Jan 14, 2019 12:38 pm

+1. Thanks.
d.r.a, not dr.a. | I'm a novice investor, you are forewarned.

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Re: Suggestions for the Wiki

Post by CollegePrudens » Tue Jan 15, 2019 12:22 pm

dratkinson wrote:
Mon Jan 14, 2019 12:38 pm
+1. Thanks.
FiveK wrote:
Mon Jan 14, 2019 8:30 am
Have at it - thanks!
Ok. I am working on a draft page. Will be a few days before I have something for review.
We need to learn to want what we have, not to have what we want, in order to get stable and steady happiness - The 14th Dalai Lama

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