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Post by chang on Feb 5, 2022 9:13:53 GMT
personal.vanguard.com/pdf/FASFTCWS_R_012022.pdf?fbclid=IwAR0AJyFKPgLilRhjkQlqA3qQQFxMUXzCBs6dQs9x5-6JEBXhOjhCGVYxjhMGlobal Wellington (VGWAX) and Wellesley excluded. That defeats the whole point of my putting VGWAX in taxable. VG has some pointless funds on this list, but excludes two funds with 50% foreign (mostly dividend paying) companies. Idiotic. Maybe I should consider replacing VGWAX with separate domestic and foreign value funds. I never wanted the bonds anyway. Note: VZICX is Wellington-managed, all international (blend-value). Edit: Thinking VEIRX + VZICX ..... (both Wellington managed).
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Deleted
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Post by Deleted on Feb 5, 2022 11:34:55 GMT
Personally, I've given up on active funds in taxable.
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Post by chang on Feb 5, 2022 13:02:49 GMT
Personally, I've given up on active funds in taxable. I’m sympathetic to that. SCHD+SCHY would be my passive option.
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Deleted
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Post by Deleted on Feb 6, 2022 14:43:19 GMT
I own SCHD and SCHY, along with other dividend ETFs. My plan was to created income in taxable and leave my tax deferred accounts untouched until RMDs, which are still 4 years away. Now I worry I'll be producing income in taxable I don't really need when RMDs hit, and be trapped by capital gains so that shifting to tax efficient investments in taxable becomes impractical, and heck, I'm not even so wealthy I should need to worry about this crap, but I do. My suggestion to you is learn about the tax liability of Social Security benefits and Medicare income based surcharges, if those will be applicable to your situation before committing to any taxable account strategy.
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