PSA: It's another good day to TLH international

[Peds Participant Status: Physician Posts: 2658 Joined: 01/08/2016]

childay wrote:

Peds wrote:

lol its funny seeing everyone go to third/forth/etc partners.

my buy date hasnt come yet.

therefore im doing nothing.

but when that date comes, look out, should be fun.

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Not following

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what part?

[Tom Kazansky Participant Status: Dentist Posts: 26 Joined: 12/02/2017]

Peds and jacovlu –

If dividends were received/reinvested for Vanguard Total International Stock on 9/25/18, is it ok to pull the trigger on 10/26/18?

Not sure if 9/25 counts as a one of the 30 days.

Safer to wait until Monday 10/29/18?

 

 

[jacoavlu Moderator Status: Physician, Small Business Owner Posts: 1676 Joined: 03/01/2018]

Please clarify. You want to sell vanguard total Intl? Or buy back in?

You can sell to TLH any time. Same day if you like. But don’t keep, or buy, replacement shares.

Also, it’s 30 days before. Get calendar. Day before sell is 1. So is day after. Count back to 30, and forward. That’s the 61 day window.

The Finance Buff's solo 401k contribution spreadsheet: https://goo.gl/6cZKVA

[The White Coat Investor Keymaster Status: Physician Posts: 3929 Joined: 05/13/2011]

jacoavlu wrote:

yeah I’m on to fourth-order TLH partners at this point, having to get creative

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Me too. I was going to wait another week with international, but I might have to go to an ETF like iShares. It’s a pretty big loss not to harvest it right now.

Site/Forum Owner, Emergency Physician, Blogger, and author of The White Coat Investor: A Doctor's Guide to Personal Finance and Investing
Helping Those Who Wear The White Coat Get A "Fair Shake" on Wall Street since 2011

[Tom Kazansky Participant Status: Dentist Posts: 26 Joined: 12/02/2017]

Spouse had Vanguard Total International dividends reinvested in her Roth and taxable accounts on 9/25/18.

I have VXUS in taxable, with a purchase as recent as 10/4/18.

Plan is to sell ALL of VXUS, and spouse’s taxable lots that are at a loss, but currently waiting until 30 days after 9/25/18 (avoiding complications with the Roth?)

Then purchasing Vanguard All World (VEU).

[jacoavlu Moderator Status: Physician, Small Business Owner Posts: 1676 Joined: 03/01/2018]

VXUS-> IXUS-> VEA+VWO-> VT (as some VTI lots are getting close to TLH territory)

shamelessly emailed my E*TRADE guy today to request refund of short term trading fees

The Finance Buff's solo 401k contribution spreadsheet: https://goo.gl/6cZKVA

[jacoavlu Moderator Status: Physician, Small Business Owner Posts: 1676 Joined: 03/01/2018]

Tom Kazansky wrote:

Spouse had Vanguard Total International dividends reinvested in her Roth and taxable accounts on 9/25/18.

I have VXUS in taxable, with a purchase as recent as 10/4/18.

Plan is to sell ALL of VXUS, and spouse’s taxable lots that are at a loss, but currently waiting until 30 days after 9/25/18 (avoiding complications with the Roth?)

Then purchasing Vanguard All World (VEU).

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Good plan. You can buy 10/26.

The Finance Buff's solo 401k contribution spreadsheet: https://goo.gl/6cZKVA

[childay Participant Status: Physician Posts: 765 Joined: 01/09/2016]

Harvested some more international today

IEFA –> VXUS

[Lithium Participant Status: Physician Posts: 925 Joined: 02/15/2016]

I’m not TLH’ing very large sums but I’m getting to the point that I’m able to fix some sub-optimal asset location decisions I made a while back.

I bought international small-cap in taxable (which is actually about the worst thing you can buy in taxable after taxable bonds and REITS) as recently as two years ago and will finally be able to sell off a few shares.  First though I have to move them to Merrill Edge where I can trade them without commissions.  Hopefully they won’t rebound before the transfer goes through.  It would be a trivial win if I can dodge the massive annual dividend for a few shares of SCHC.

[jacoavlu Moderator Status: Physician, Small Business Owner Posts: 1676 Joined: 03/01/2018]

yep, things are back to about where they were 6 weeks ago which has allowed me to swap back to holdings I prefer, rather than the tertiary and quaternary (is that the right word?) holdings I ended up on after several rounds of harvesting losses in a fairly short window

The Finance Buff's solo 401k contribution spreadsheet: https://goo.gl/6cZKVA

[childay Participant Status: Physician Posts: 765 Joined: 01/09/2016]

jacoavlu wrote:

yep, things are back to about where they were 6 weeks ago which has allowed me to swap back to holdings I prefer, rather than the tertiary and quaternary (is that the right word?) holdings I ended up on after several rounds of harvesting losses in a fairly short window

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Sounds like we are on the same cycle

[jacoavlu Moderator Status: Physician, Small Business Owner Posts: 1676 Joined: 03/01/2018]

bumping this again, same story…

The Finance Buff's solo 401k contribution spreadsheet: https://goo.gl/6cZKVA

[childay Participant Status: Physician Posts: 765 Joined: 01/09/2016]

VXUS –> VEU

[danesgod Participant Status: Spouse Posts: 48 Joined: 09/12/2017]

I did VTIAX->VFWAX less than 30 days ago, my understanding is that I’m still good to do VFWAX->VTMGX today? None of those are substantially identical, correct?

[Peds Participant Status: Physician Posts: 2658 Joined: 01/08/2016]

danesgod wrote:

I did VTIAX->VFWAX less than 30 days ago, my understanding is that I’m still good to do VFWAX->VTMGX today? None of those are substantially identical, correct?

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yes, there is no rule on how long to hold a loss. you can exchange the next day if desired.

you just cant have any replacement shares for the 61 days.