Artifact
7f4650ca63e268c33ec76cd3ab210ddf8894fb37d29f8ffd4d590d100dbee689:
Wiki page
[TaxableInvesting] by
zie
2021-08-04 03:26:07.
D 2021-08-04T03:26:07.666
L TaxableInvesting
N text/x-markdown
U zie
W 1645
Question:
* Split VTI/VXUS for the Foreign Tax Credit, or just hold VT and forego the FTC. I know it depends on tax rate. I'm 22% Current effective tax rate: 13.81%
Rebalance only with:
* new contributions
* dividends
* cap gains
Which implies you:
* Turn off DRIP/Dividend Reinvestments
* Never sell a holding < 1yr (i.e. always pay the LTCG, not the STCG rate)
For bonds:
* muni bonds(VTEB) and treasuries (short and intermediate term) to keep taxes low
* OR Vanguard Tax Managed Balanced Fund (VTMFX) a 50/50
Resources:
* [Paul Merrimans M1 pies for Taxable](https://paulmerriman.com/m1-finance/) [90/10](https://dashboard.m1finance.com/share?token=H4sIAAAAAAACA6WRQQuCQBCF_8oyUCeJLD0kdCgM6rArwVpIRNi2iVZqaugq_vf00MkOi16H971586aCTMQcDAh5fol9DgqE7qsd2OvxFh2PaDEdoc17gu5RgqhbuNdnK0qfPuMpGKcKsgiM6meTcvZJ_Ew0Ev_WukwPphV4AgebJdQKxDxhPMxcrxFrtSJHFyRgHXomSdtzHKw69EKWVi2zm1xVJXEscLnXMPV6B3DEvwC6JM10XLLeu7Gw6G5mUae3w04j5kOQ0ulfoZ0T0xvygeYGjVA28IklofafGs71F-tX3NBCAwAA&affiliateCode=xORy%3ATSjmxyLUfc0v2xGjxRzUkBR0jx-PQZQW40&utm_source=2096805&utm_medium=referral&utm_campaign=10646&irgwc=1) [All Value 100](https://dashboard.m1finance.com/share?token=H4sIAAAAAAACA6tWKqksSFWyUspLLY8vyExV0lHKS8wFCTjm5CiEJeaUpiqEhysYGhioKrgWlmaWZKYWA9UU52QmAxlW0dVKJflKVtUwU4pTk0uLMksqgUoyU4D8UIMwF_8sTxM_l-xKv6pIW6VaHaWC1KLk1LySxHSgBiPTWh2ijPCt9K0KrPILCcU0woBII0LL_VzSyXdBqLFvliP5tvtW-od4GvmHYIaBoUFtbC0ABqTaAogBAAA&affiliateCode=xORy%3ATSjmxyLUfc0v2xGjxRzUkBR0jUXPQZQW40&utm_source=2096805&utm_medium=referral&utm_campaign=10646&irgwc=1)
* Youtube video: [Your 401K is a Waste of Time](https://youtu.be/bDSEghOx-K8)
Z dbe3611d4be9c5c0bb8f3764604d327d