This topic discusses improvements and modifications to the sheet originally mentioned in the above thread.

Here's the final sheet (columns reordered to make a little more sense). Interesting that US SCV is a wash as far as total cost is concerned, in that bracket (though if your goal is to minimize ordinary dividends, then IJS wins -- isn't this your goal, livesoft?):livesoft wrote:Try this:

https://advisors.vanguard.com/VGApp/iip ... ?year=2015

I'd like to point out that the tax-efficiency numbers are so close that simply buying on a different day (say an RBD) could overcome any differences for at least a few years.

For my bracket, I see that VBR edges out IJS, but not by so much as you'd notice:

The performance difference over 10 years (VSIAX used as proxy for VBR for M* growth chart) is, in the 15% marginal bracket (mine):

Code: Select all

```
ticker CAGR (net tax, 15/6 Fed/State)
=========================================
VBR 6.46%
IJS 6.01%
```

Code: Select all

```
ticker CAGR (net tax, 33/9.3 Fed/State)
===========================================
VBR 5.90%
IJS 5.69%
```