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Old 03-19-2017, 10:05 AM   #21
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We only own ETFs, primarily to avoid year-end CG distributions and because ERs are generally lower compared to an equivalent mutual fund. Bid/ask spreads are not much of an issue for us because we only own very large, highly liquid ETFs and don't trade except occasional rebalancing. We own a mix of Vanguard and iShares ETFs and all our accounts are at Fidelity. iShares ETFs trade free at Fidelity while Vanguard ETFs incur a $4.95 trading commission. Vanguard mutual funds would be quite costly to trade.

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AA: 55% stock, 15% real estate, 27% bonds, 3% cash
WR: 2.0% SI: 2 pensions, some rental income, SS later
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Old 03-19-2017, 01:55 PM   #22
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Join Date: Feb 2012
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Originally Posted by MRG View Post
I don't think so. I've only known it to be used on company stock holdings.

I'm betting someone smarter than me will know. If you have a good tax person they'll know for sure.
Regarding the use of NUA for my ESOP, from what I can find on the Internet, I believe I am out of luck there. My company was an S-Corp, which could stretch out the stock repurchase over 5 to ten years. ( they went ahead and repurchased all of my stock upon my retirement). But regardless, they always eventually re-purchase all stock and do not allow distribution of stock outside the ESOP to retirees (turns out SCorps are not required to offer stock distributions for their ESOPs) So I think NUA would not be available.

But thanks for the heads up anyway! Always nice to know ahead of time about something that might be of benefit. Usually I find out too late

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Old 03-20-2017, 11:52 AM   #23
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I'm 100% MFs because of inertia. If I ever return to the UK I'll go over to 100% Vanguard ETFs in my taxable accounts because the UK taxes those like UK domestic funds. I can stay with mutual funds in the tax deferred accounts because the retirement account wrapper protects them from UK tax until withdrawals are taken.

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Current AA: 65% Equity Funds / 20% Bonds / 7% Stable Value /3% Cash / 5% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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Old 03-20-2017, 12:03 PM   #24
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I have both. Mutual funds that are not mirroring the market. ETFs for the rest.
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Old 03-20-2017, 10:32 PM   #25
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It used to be that of my equity holdings, 1/2 was in MFs and 1/2 was in ETF and individual stocks.

I have slowly divested of most MFs, and at this point the MFs are only about 1/5 the values of the ETFs and individual stocks.

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