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Investing - Theory, News & General • Roth: Which shares to sell within...
I’m still fairly new at this….My basic question:I purchased shares of one fund at several different times and prices. All shares are up in value, but as to be expected, gains are varied. I am...
View ArticlePersonal Investments • Should I consolidate our IRA accounts
Hello Everyone;My wife and I are working and contributing to our 401(k) (both held at Fidelity). Besides these, we each have two IRA accounts (held and Schwab and Fidelity). I have been doing our...
View ArticlePersonal Finance (Not Investing) • Clarification on IL State Tax Loophole...
Hi All - I've been in the weeds a bit reading various threads about how the state of Illinois doesn't apply state income tax (4.95%) to Roth conversions and have a couple questions.Each year, on the...
View ArticlePersonal Finance (Not Investing) • Backdoor Roth IRA
My son has a Rollver IRA investment and a separate SEP IRA account. Because of his income level he has not been able to contribute to Roth IRA. My understanding is that SEP IRA account is just like a...
View ArticlePersonal Investments • Brokerage bonus clawbacks - tax implications
Let's say you receive a $50,000 bonus from a brokerage for bringing your assets there for 2 years, but you subsequently decide to leave and they claw back the payment.The brokerage says that the bonus...
View ArticleNon-US Investing • Ireland domiciled funds and India Tax/FEMA impact during...
I was in the US for a few years on an employment visa and now back in my country of citizenship (India). - For US, my taxation status will be NRA starting current and future FY. As a NRA, I don't need...
View ArticlePersonal Finance (Not Investing) • Portfolio Line of Credit vs Margin
Hello -I was considering opening a portfolio line of credit with Chase (also called security based lending). But I wanted to see if anyone here has used this product from Chase before and how it...
View ArticleInvesting - Theory, News & General • Slice and dice without tilting
I've been reading up on slice and dice portfolios, and it appears that it is not technically necessary to introduce tilt in order for a portfolio to be slice and dice. Does it mathematically make...
View ArticlePersonal Investments • Anyone know when FSKAX will announce/pay dividend this...
I'm making a large lump-sump purchase to kick off a retirement and don't want to "buy the dividend" in the taxable account. Anyone have any idea when FSKAX will pay their semi-annual dividend this...
View ArticleNon-US Investing • Order not being exectued at the best price
I'm trying to reset my cost basis and sell my full holdings of VWRL with Interactive Brokers.I have paid for market depth data across all exchanges it trades on, as the bid/ask spread is of great...
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Personal Investments • Smoothing Income to Optimize Tax Efficiency in Retirement
Hello everyone,This chart represents the projected yearly cash flow from Fidelity's Retirement Planning tool under significantly below average market conditions. Starting at age 75, you can see...
View ArticlePersonal Investments • Double tax?
Good morning,My question concerns taxation of reinvested dividends. Assume the following:1.Mutual fund A has an initial investment of $10K, 50 shares2.Cost basis is set as Average Cost3.The fund pays...
View ArticleInvesting - Theory, News & General • Inheriting a trust and taxes - how...
Trying to make some decisions about estate planning. At ages 63, DW and I have 2 married kids with great spouses, a snow bird house in Florida, a net worth in low 7 figures. We are NY residents but...
View ArticlePersonal Finance (Not Investing) • SBLOC as strategy for college
Over the next three years, our annual expenses are expected to surge due to college costs for our two children. Both are pursuing four-year degrees, with the possibility of attending private schools....
View ArticlePersonal Investments • Retiring at 39 & 100% Out of Stock Market - How to...
Hi all - I am 39 and will soon have enough to stop working for the rest of my life, while using a conservative 3.5-4% withdrawal rate which I am confortable with considering I live somewhat minimally....
View ArticlePersonal Finance (Not Investing) • software for modeling Roth Conversion?
I'm looking for software to model Roth conversion (free preferably but would pay if worth it). It needs to be tax centric, I've tried tools like New Retirement (Now Boldin) and found them to have too...
View ArticlePersonal Finance (Not Investing) • Credit card strategy: Should I have a...
Is it best to have a Visa, a Mastercard, and an Amex? Does that mix impact your credit score? I heard the Points Guy recommend this on a podcast but it's tough to validate this suggestion since credit...
View ArticleInvesting - Theory, News & General • Fidelity Wiki Changes?
Not sure where to post this but I was looking at the wiki page for Fidelity and its disadvantages section (https://www.bogleheads.org/wiki/Fidelit ... d_concerns) and thought one disadvantage or at...
View ArticlePersonal Investments • Sell VFIDX at a loss
VFIDX, intermediate term investment grade is my largest holding in my 401k rollover. It still has a loss of -94600. The other holding is VWILX, international growth. VWILX should be in a tax deferred...
View ArticlePersonal Investments • How to figure out real yield on TIPS in secondary market
I’m trying to figure out the real yield on TIPS in the secondary market. Is there an online calculator for that? I could not find one. Here’s an offering I’m looking at for 2029 from Fido. 2.50000...
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