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Old 12-22-2015, 06:41 PM   #21
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Originally Posted by bingybear View Post
What you missed... or it may not be your situation... if that 100k is your only income and your file MFJ, there will be near 0 tax( is is a bit above the limit assuming no other events).

If you are in the 15% bracket, LTCG are taxed at 0% federal (state tax may be different).

I think 20% is the max tax rate on LTCG, not the minimum
Thanks, that explains it.
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Old 12-22-2015, 08:53 PM   #22
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Once you've read enough, you will never consider market timing again. Investing is unbelievably simple and making it harder than it is will cost you money. Every time.
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Old 12-22-2015, 08:56 PM   #23
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There is somewhere between the dark side and the force...your AA doesn't have to be static, it can be based on a formula. If the PE10 of US equities is too high, you could use PE10 to tilt away from US and pick up foreign equities. That's not purely ignoring everything and rebalancing, but not DMT.
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Old 12-23-2015, 10:31 AM   #24
Recycles dryer sheets
 
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Quote:
Originally Posted by bingybear View Post
What you missed... or it may not be your situation... if that 100k is your only income and your file MFJ, there will be near 0 tax( is is a bit above the limit assuming no other events).

If you are in the 15% bracket, LTCG are taxed at 0% federal (state tax may be different).

I think 20% is the max tax rate on LTCG, not the minimum

Thanks Bingybear, that explains it.
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