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2020 Year-End Distributions
Old 10-27-2020, 12:56 PM   #1
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2020 Year-End Distributions

I just saw Fidelity posting its 2020 year-end distribution estimates.

As in prior years, others have posted links to their investment company's year-end estimates. Please post them here.
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Old 10-27-2020, 01:10 PM   #2
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I can't find an estimate for Schwab funds or ETFs but from their home screen (once you've logged on) one can switch the view to "investment income." From there, you can export a .CSV file by month for the entire year, including estimates for each fund through the end of the current year. I then sorted the resulting spreadsheet by account which let me strip out the IRAs, giving me an estimate of income for the year. I didn't even have to do the math.
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Old 10-27-2020, 01:13 PM   #3
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It'll be an odd year for me... usually I would be all over this as part of my year-end tax planning, Roth conversion, etc. Since I no longer have stocks in my taxable account... no worries.
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Old 10-27-2020, 01:20 PM   #4
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It'll be an odd year for me... usually I would be all over this as part of my year-end tax planning, Roth conversion, etc. Since I no longer have stocks in my taxable account... no worries.

I don't do conversions anymore so I can wait until early January to true up my estimated tax payment for Q4. One less thing to worry about in December.
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Old 10-27-2020, 01:38 PM   #5
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No Roth conversion for me this year either... I've got a little headroom to do about $3,800 of tIRA withdrawals that I'll use 100% withholding on to pay estimated taxes so when I file my tax return I'll pay 15% on that $3,800 because it will push $3,800 of LTCG from 0% to 15%. I don't mind paying 15% given that I was at 28% or higher when I deferred that income.
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Old 10-27-2020, 02:06 PM   #6
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I found that one of my remnant odds-and-ends mutual fund investments has released estimates for a mid-December Capital Gains distribution. Jensen Investments has a few funds and the notices are on different pages for each fund. My fund, JENSX, Quality Growth Fund is expecting a $4.73 per share distribution. Up from $3.665 last year. Ouch. Glad I have a little breathing room in my ACA cliff calculations.

https://www.jenseninvestment.com
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Old 10-27-2020, 02:17 PM   #7
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I found that one of my remnant odds-and-ends mutual fund investments has released estimates for a mid-December Capital Gains distribution. Jensen Investments has a few funds and the notices are on different pages for each fund. My fund, JENSX, Quality Growth Fund is expecting a $4.73 per share distribution. Up from $3.665 last year. Ouch. Glad I have a little breathing room in my ACA cliff calculations.

https://www.jenseninvestment.com
I think they all will be high this year.
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Old 10-27-2020, 02:22 PM   #8
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Originally Posted by scrabbler1 View Post
I just saw Fidelity posting its 2020 year-end distribution estimates.

As in prior years, others have posted links to their investment company's year-end estimates. Please post them here.
Thanks! I’ve been checking almost daily.
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Old 10-27-2020, 02:30 PM   #9
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Originally Posted by PaunchyPirate View Post
I found that one of my remnant odds-and-ends mutual fund investments has released estimates for a mid-December Capital Gains distribution. Jensen Investments has a few funds and the notices are on different pages for each fund. My fund, JENSX, Quality Growth Fund is expecting a $4.73 per share distribution. Up from $3.665 last year. Ouch. Glad I have a little breathing room in my ACA cliff calculations.

https://www.jenseninvestment.com
One of the funds I exchanged earlier in the year during the market drop. I was able to clear out a few funds.
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Old 10-27-2020, 06:29 PM   #10
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Vanguard's initial YED's are due out Nov. 16th.

T. Rowe Price, very preliminary info here:
https://www.troweprice.com/personal-...ributions.html
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Old 10-27-2020, 06:31 PM   #11
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I find a lot of links from this forum:
https://mutualfundobserver.com/discu...ains-estimates
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Old 10-27-2020, 07:18 PM   #12
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Originally Posted by GalaxyBoy View Post
I can't find an estimate for Schwab funds or ETFs but from their home screen (once you've logged on) one can switch the view to "investment income." From there, you can export a .CSV file by month for the entire year, including estimates for each fund through the end of the current year. I then sorted the resulting spreadsheet by account which let me strip out the IRAs, giving me an estimate of income for the year. I didn't even have to do the math.
It only lists interest and dividends. I have some capital gains and losses from assets sold and tax loss harvesting. To see those, you have to go into the taxable account and look for Realized Gains. And there will be year-end capital gains distributions. I don't know how to see those on the Schwab website.
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Old 10-28-2020, 03:57 AM   #13
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Good stuff.

Quote:
Originally Posted by audreyh1 View Post
I find a lot of links from this forum:
https://mutualfundobserver.com/discu...ains-estimates
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Old 10-28-2020, 07:56 AM   #14
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Originally Posted by EastWest Gal View Post
It only lists interest and dividends. I have some capital gains and losses from assets sold and tax loss harvesting. To see those, you have to go into the taxable account and look for Realized Gains. And there will be year-end capital gains distributions. I don't know how to see those on the Schwab website.
True. I probably neglected capital gains since I'm an index fund investor and CGs are relatively small (but not zero) compared to dividends. This year, who knows?

I expect Schwab's estimates will be available at https://www.schwabfunds.com/resource...and-tax-center once they become available.
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Old 10-28-2020, 08:16 AM   #15
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I don't know if it is true for other companies, but for Fidelity they don't list all the funds right now. Over the few weeks (I hope, not longer than that), more of their funds will get posted. For now, a fund which may or may not have a year-end distributions isn't distinguishable from a fund which will have one but just isn't known yet.
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Old 10-28-2020, 08:22 AM   #16
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Quote:
Originally Posted by scrabbler1 View Post
I don't know if it is true for other companies, but for Fidelity they don't list all the funds right now. Over the few weeks (I hope, not longer than that), more of their funds will get posted. For now, a fund which may or may not have a year-end distributions isn't distinguishable from a fund which will have one but just isn't known yet.
I believe the funds not listed have $0 estimated cap gains distributions. I have never seen funds added after the fact, although I have received a small cap gains distribution from a fund where none was estimated.

Also, Fidelity stopped giving estimates of dividends a while ago. Many funds will still pay dividend distributions in Dec. I wish they would provide these like most fund companies do.
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Old 10-28-2020, 12:37 PM   #17
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The main portion of our year-end CG distro's come from three T. Rowe Price funds.

This year, the estimates are the highest I have ever seen. Glad we are not paying state tax on them this year.
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Old 10-28-2020, 01:45 PM   #18
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The main portion of our year-end CG distro's come from three T. Rowe Price funds.

This year, the estimates are the highest I have ever seen. Glad we are not paying state tax on them this year.
I dumped the last of my active funds in March including TRP International Stock. I was getting killed on capital gain distributions every year.
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Old 10-28-2020, 02:18 PM   #19
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The only reason we don't sell, is taxes - we've owned these funds for 20+ years. It's durned if you do, durned if you don't.

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I dumped the last of my active funds in March including TRP International Stock. I was getting killed on capital gain distributions every year.
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Old 10-28-2020, 04:09 PM   #20
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Just keep taking the distributions in cash, and eventually your unrealized gains in the fund will be small enough to sell the rest. If your unrealized gain is smaller than the estimated distributions, you can sell ahead of the distribution. You can also check the basis of each lot - some may have smaller gains than others and you can trim those first.

I did what tax loss harvesting I could in March - but the window of opportunity was so short I only got about half of it done.
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