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Overview
| Artifact ID: | 7f4650ca63e268c33ec76cd3ab210ddf8894fb37d29f8ffd4d590d100dbee689 |
|---|---|
| Page Name: | TaxableInvesting |
| Date: | 2021-08-04 03:26:07 |
| Original User: | zie |
| Mimetype: | text/x-markdown |
| Next | b84926e244bb6a50877d67140961c05cd493144717b05bcd3888a657d896f60e |
Content
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: