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Vanguard Tax
- Vanguard tax forms? Folks having a brokerage account with Vanguard - have u received the tax forms (1099-B, Div) from them yet? Their website says the forms will be available mid Feb but I do not see them when I login. Usually brokerages make them available by Feb 15th. So, checking if anyone has got them. #taxes #van
- How to move pre tax 401k fidelity to vanguard pre tax 401k My GF's company has only fidelity option for 401k. Is it possible to directly send pre tax 401k to vanguard? If no, can I move pre tax 401k money from fidelity to vanguard ?
- Why brokers like E-trade/Vanguard need 45 days to send tax forms Wonder why brokerage firms take that long to send tax forms. Don’t they have good systems?
- 1042-S delayed from Vanguard and now the Tax Deadline for Canada and US looms over me #personalfinance #2021Tax
- Transferring stocks to my spouse (both on H-1b) Hi, I am considering transferring good amount of stocks to my wife. ( vanguard to vanguard). We both are on h1b. Would there be a tax implication that we need to worry about? #Tax #h1b #stockoptions
- Traditional 401k to Roth IRA Conversion What are the tax implications? I already have a Vanguard Roth IRA. Quit my last job with 100k in a traditional 401k account. I'm looking into moving that 100k into the Vanguard Roth IRA but don't know how much in taxes I'd owe.
- vote Fidelity to Vanguard? Recently found out that Vanguard ETFs are more tax-efficient than Fidelity. I have FSKAX, FXAIX, FTIHX in 401k, roth ira and taxable accounts, not that much money in them. (@Fidelity broker) Should I restart with VTI and VXUS, I plan 80% VTI and 20% in VXUS in taxable account. (start buying Vangu
- vote After tax 401k/mega backdoor With MBD there are two options: 1. Convert after tax 401k contributions to Roth 401k (Can opt in to automatic conversion on Fidelity, Vanguard, etc.) 2. Convert after tax 401k contributions to Roth IRA (Manual process by calling agent on Fidelity, Vanguard, etc.) Which of these do you do and why?
- Mega backdoor going away end of year? But I’ve already elected to contribute the maximum after tax 401k and convert to Roth 401k for 2022. Hopefully I can modify that if the bill passes. I don’t want some limbo after tax 401k sitting around in my Vanguard account… Why can’t we have good stuff?
- H1B - Vanguard Vanguard asks if we are a Resident or Non Resident with regards to the citizenship in US. H1B falls under NR for citizenship but Resident for Tax purposes right? How does one open a Vanguard account then?
- Should I pull out of Vanguard? I invested $30k in Vanguard a few months ago, which has now dropped to $28.6k, so I'm down nearly 5%. Should I pull out? EDIT to clarify: My Vanguard money is mostly in equities. If I pull the equities money into a Vanguard bond fund and the market tanks more and I buy at or near the bottom, then
- Have you been able to import 1099 forms from vanguard in TurboTax I have been struggling to import 1099 tax forms from vanguard in TurboTax. I'm tired of calling turbotax, really bad customer service. Vanguard ppl were nicer but washed hands too. The USA is not what it used to be, not many good companies left.
- REITs via ROTH IRA I have no interest in purchasing a house or being a landlord. Are REITs like VNQ (Vanguard) or SCHH (Schwab) any good for real estate exposure in my portfolio? I’ll be purchasing through retirement account like ROTH IRA to evade paying income taxes on dividend income. Thanks in advance. 150 #pers
- Newbie : Which account is good for buying VTSAX/VIG etc on a monthly basis. Which service do you recommend? I am a newbie to US and investing here. Kindly provide some recommendations. What is a good option ?( I have a fidelity 401k account) Fidelity/Schwab/Merrill? Or something else Added: from the suggestions below, I realize vanguard is the obvious choice to go for for vanguard index funds. Thanks f
- How to defer long term capital gains tax on stock sale ? I want to convert some of my positions in company stocks to index funds (vanguard). Is there a way to defer paying capital gains tax for this? I would like to pay the taxes when I actually convert to cash. TC : 270k
- Which 529 plan is the best? Which state's 529 is the best? Heard Nevada (Vanguard), NY and Utah are good, Any suggestions? I am in Washington, so savings on state tax is not applicable #personalfinance
- Self-managed index fund investment vs. robo investment I have a self-managed 3-fund index fund portfolio in vanguard, and a small investment at wealthfront with risk score of 9. While vanguard index funds have lower expense ratios, wealthfront provides tax-loss harvesting which can close the gap. Is there any analysis or pointers to the comparison two m
- 529 investment I have a couple of 529 accounts set up (in CO and MI, 2 states where I used to be taxed in, but no longer) for my 6 year old. The MI one is enrolled in some 2032/2033 college enrollment option, and has like a 72:28 stock to bond ratio currently (https://www.misaves.com/research/enrollment-year.php)
- Investment options Married joint TC is 280k. I max out my 401k contrib all on low expense Vanguard funds. Rest of my savings is on VOO Vanguard fund and 5% in cash. I save 47% monthly. Are there any other pre/post tax investments that I can look into ? like ROTH IRA ? any advice would be helpful.
- How to invest in VTSAX? I max out my 401k and do a backdoor conversions on IRA. I do have a vanguard personal account where I have a 401k, Roth, Traditional and an old SEP ira accounts Thinking of setting up a schedule and investing $X every week in VTSAX. It's after tax money. Essentially want to do dollar cost averagin
- Mega backdoor Roth Looking to hear only from this who actually do mega backdoor Roth conversions on a regular basis, not those who may have just heard or read about it. I make after-tax contributions (and max out pre-tax) from my paychecks to my 401k account at Vanguard. The 401k plan allows taking in-service withdra
- 401k and Vanguard Advice Moved to the US, have Vanguard set up. Am contributing enough % into the pre-tax 401k so Google matches and it maxes out. This comes to $30k ish a year. I can save $1k easily per month extra. Is it worth investing this directly into a Vanguard index fund? That is $12k a year. Including bonus I can
- Vanguard is really a piece of shit I’ve been using fidelity and I’m happy with it. I moved to google recently so I have to use vanguard for 401k. My partner and I heard about the back door for after tax contributions and Roth 401k this year (yea we are late to the game), so we decided to try that. However, vanguard just makes it supe
- where to park 2million for a house down payment for 18 months plan to upgrade to a better area within 18 months, for family reasons. having been gradually stepping out of the stock market, and preparing a 2 million down payment. Usually, I just park such money in the vanguard tax-exempt bond fund and found it's quite stable. however, this year the market qu
- My kids are 12 and 8 year old. Is 529 still adviceble? Doing some research, it feels to me that it might be too late and instead use regular non tax advantage accounts like vanguard, schwab, high yield saving accounts Note: We leave in California
- Vanguard 401k Investment Options I don't like Vanguard 401k investment options for both traditional and after tax. Are there any strategies to invest in individual stocks with 401k money while I'm still with my employer?
- What to do after contributing to pre-tax 401k? Finance noob here. I started work in august and hit my 18.5k limit for my traditional 401k recently. We use fidelity and I opened a Vanguard Roth ira recently but have no idea what to do next. Do I just contribute a set percentage to after-tax on fidelity and roll over to vanguard? And how do I mega
- converting traditional 401k plans to self-directed brokerage? Since inception, I chose Vanguard target year-based 401k plan -- that is a combination of stock and bond adjusted over years to balance risk/reward. Since I've been busy with works and life in covid, I didn't look to optimize the plan. It seems the return on these plans are significantly lowered com
- vote 401k - Overcontribution removed from pre tax or post tax? If I elect to contribute let’s say $4000 pre tax and $4000 post tax in my 401k, but my paycheck is only $7000, which bucket does the excess get “removed” from? Which bucket will only get the $3000 contribution? My 401k with Google is with Vanguard, if that matters.
- Betterment vs VFIAX Maybe someone knows. I have a betterment account. And I have tax loss harvesting enabled. If I choose to use VFIAX (vanguard 500 index fund) for 401k, can this trigger wash sale rule with betterment?
- Employers with HSA plans and non-Fidelity managed 401k plans I know this may seem odd, but I’m looking to shortlist prospective employers that offer both health plans with HSA account and have their 401ks managed by an entity other Fidelity, ideally Vanguard, but I’m flexible. Blind tax: YOE: 10 TC: 210k #insurance
- vote Does it make sense to max out 401k early on this year? 401k noob here, so be gentle with your answers :) I’m invested in the Vanguard 2055 retirement fund. As the fund is trending lower due to the stock market correction, does it make sense to max out 401k asap this year so that the money is invested in the fund at a lower price? Blind tax: TC: 160k Y
- Expense Investment Saving Ratio For after tax after 401k salaries, do you think spending about 50% on living expenses, investing about 25% in Vanguard Retirement fund, saving 20%, and keeping 5% for fluidity a good allocation ratio? Renter, no home, no loan.
- Roth 401K vs opening a Vanguard account I’m curious what the benefit is in investing in your roth 401K account through your employer when you could open a vanguard account and have more flexibility in how you invest your post tax income?
- How much you save annually? TC, household and saving annually? 400k, 1 kid, 120k. Edited: 230k + 170k from husband and wife. Salary + bonus. Not counting stocks. That’s windfalls and who knows if the ipo can work out. $6600/month on mortgage and prop tax. $5000/month for everything else: $700 term life insurance inclu
- Best place to invest $1m+ taxable account? Current Wealthfront user. Reluctant to stay and thinking about leaving. At a certain point (around $500k) the benefits of tax loss harvesting disappear because you can only write off so much on your taxes. At around the $1m mark, many places start discounting their fees or offering more services.
- Backdoor Roth So I made after tax contributions to my traditional IRA and then rolled it over to Roth. It was plain and simple, I converted the entire amount and none of the pro rata rule stuff came into play. My 1099 R for vanguard Has two entries 1 Gross distribution:$6000 2a taxable amount : $6000 This is
- Treasury bill vs CD If planning to invest short term are treasury bills better than CDs? I read that no state tax on the interest earned on treasury bills. What are the pros and cons? Also do you guys use Fidelity or Vanguard to buy the treasury bills? TIA
- Can’t pull the trigger on real estate investment? I’m 32, net worth 1.5M liquid, all in vanguard funds, diversified across total us, total international and some muni bonds. I can’t help but feeling I would really benefit from some real estate diversification. I already own some Vanguard reits in my 401k but it’s not the same as having a more dire
- Backdoor roth ira - couple max limit Quick question on backdoor roth ira contributions and file taxes as married file jointly status. I took vanguard ira account and converted to roth of 5500 max limit for 2018. Can my spouse also take another ira account and convert to roth with another 5500? Is 5500 limit for 2018 is individual pers
- 401k investment change I work at Amazon. I’ve been investing my 401k to Vanguard Target 2055. Now, I’m thinking to switch it to VANG INST 500 IDX TR which I believe tracks s&p 500. Do people usually change it for future investments only or also exchange the existing funds too? If it is the latter, what’s the tax implicat
- Do you hire a CPA? If so, how much do you pay? Changed jobs this year and moved between states thinking about if I should start using a CPA or just keep doing it myself on TurboTax. Just talked with one I was referred to and was quoted $850-1000 so not sure if that’s worth. Context: I exercised some options at my previous company and have rsus
- vote 529 Gift Tax Loophole? What am I missing? 1) Create a 529 for yourself, not your kid. 2) Contribute $500,000. The Vanguard 529 Plan maximum contribution limit is $500,000. 3) Change the beneficiary from yourself to your kid. A 529 plan account owner may change the beneficiary at any time without tax consequences when th
- vote Do you like the new Vanguard Mobile App? I have a bunch of accounts (multiple 401Ks, Roth etc) in Vanguard. I used to love their mobile app and one of things I particularly liked was the ability to clearly see balance by month and what part of what was contribution, what part was dividend, what part was gain/loss and starting/ ending balan
- IRA and Non-residents I'm planning to open a traditional (pre-tax) IRA account with Vanguard. I'm a non-resident who might move back to my home country in next few years. 1. What are the tips for minimizing the taxes if I do a early withdrawal on reaching my home country? 2. For early withdrawal (IRA distributions)
- Investment through HSA I have HSA in Health Equity. I was thinking to invest in mutual funds through my HSA account but I don’t have much knowledge about it. Is that a good idea to invest in funds in HSA considering it’s tax free? Also any suggestions on the funds I should opt to invest in? It has some limited Vanguard o
- Where to open new Traditional and Roth IRA accounts? I want to open new Traditional and Roth IRA accounts. My main purpose is to do the backdoor Roth IRA contribution. I'm new to this investment world. Some options I have in my mind are Vanguard and Fidelity. Can you please suggest a better place for where to open these accounts? Thank you. TC: 23
- Vanguard 401k plan The investment funds in the 401k Vanguard direct platform are all mutual funds. Do all companies offer just mutual funds in their 401k plan offerings. Aren’t mutual fund less tax efficient than ETFs. Isn’t it better to just invest everything in ETF equivalents rather than Roth 401k counterparts? I
- Why can't you buy crypto currency at a regular brokerage? I know there are messy tax and financial issues that seem to have been worked out, but why can't I just put x dollars into Bitcoin or ethereum at Fidelity or Vanguard? They could hold the wallet, I wouldn't have to worry about picking an exchange that isn't going out of business or owned by the Russ
- Asset Management when not in USA and a move out for good Anyone here who moved outside USA (non citizen and non PR) ? Like india or singapore ? Things i want to know : How are you managing 401k money? For DRIP and capital gains, how did you file 1099-DIV ? what about state tax ? when not physically here ? Which agent allow you mange asset vanguard, fide