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Old 08-29-2007, 01:27 PM   #21
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Originally Posted by packrat44 View Post
Presently I am looking at moving the majority to Vanguards index funds because of costs. There is 26% in individual equities. This will be the first to be liquidated and transferred into index funds.
Not sure what your tax bracket is, but if you are considering selling individual equities and are in the 10 or 15% bracket, you might want to consider waiting a few more months till 2008 when the cap gains rate is 0 for LTCG. This would save you 5% over this year's rate. Just a thought.
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Old 08-29-2007, 04:58 PM   #22
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Not sure what your tax bracket is, but if you are considering selling individual equities and are in the 10 or 15% bracket, you might want to consider waiting a few more months till 2008 when the cap gains rate is 0 for LTCG. This would save you 5% over this year's rate. Just a thought.

BigBob,

I will in a higher tax bracket for several more years while converting to ROTH IRAs prior the expected increase in personal taxes.
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Old 08-30-2007, 01:58 PM   #23
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My only comment would be on your EM of 2%. 5% is the number I have seen as a minimum allocation for portfolio diversity. Otherwise I think you are in great shape and it looks like you are getting a good plan in place.
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