Tag: alternative investments

  • September 27, 2016

    Don’t ever, ever, ever fight the Fed in the short-run

    One of the best pieces of investment philosophy is “do not fight the Fed”. This means, do not put your portfolio in a position that will be harmed by the actions of the Federal Reserve. For the past year the Fed has made it clear that they intend to raise ...

  • September 20, 2016

    Strategies to Reduce Taxation of Retirement Withdrawals and Appreciated Assets

    Tax reduction can be a powerful investment strategy. Let’s review some strategies that taxpayers might use to get more out of their hard-earned savings. Passing IRAs to heirs in the form of inherited IRAs might allow for lower income taxation if the heir withdraws the money at a lower income tax ...

  • September 13, 2016

    When is a Dollar Worth Less than a Dollar?

    The answer is: when access to that dollar causes taxation. Examples include a regular retirement account or an appreciated asset. Withdrawals from some retirement accounts such as Roth accounts and IRAs funded with after-tax contributions are not generally taxable. But this discussion focuses on the vast majority of retirement plans ...

  • September 7, 2016

    When is a Dollar Worth More than a Dollar?

    The answer is: When that dollar is in account where is can be accumulated and/or accessed free of taxation. A Roth IRA provides both such Federal income tax benefits. The tax advantages of a both tax-free accumulation and tax-free withdrawal can be huge and can last for over a century if ...

  • August 30, 2016

    HOME COUNTRY BIAS

    Asset allocation is the most important driver of long term investment performance. One of the thorniest issues in asset allocation is the home country bias. The home country bias is the tendency of people to invest much more heavily in the financial assets of their own nation rather than spreading ...

  • August 23, 2016

    Economic Policy Risk and Financial Markets

    Much is being said about the potential effects of the U.S. Presidential election this fall. Concerns abound about the potentially devastating effects of “higher taxes and bigger government” if Clinton wins or “trade wars” if Trump wins. I think we have little to worry about. I believe that our only ...

  • August 16, 2016

    State Income Tax Savings

    State Income Tax Savings:  Investors who live in states with high state income tax rates may find retirement saving to be especially valuable if they retire to a state with little or no income taxation on retirement income. For example, a worker placing $100 into a retirement plan may lower ...

  • August 9, 2016

    A Less-Known Federal Investment Income Tax Break

    A Less-Known Federal Investment Income Tax Break:  One of the least understood breaks on Federal taxation of investment income occurs when investors use Section 1256 contracts such as futures contracts for short-term trading. A potential advantage to using Section 1256 contracts is that net gains from trading are taxed 60% ...

  • August 2, 2016

    Federal Income Taxation of Municipal Bond Interest

    Federal Income Taxation of Municipal Bond Interest: Interest income on municipal bonds is not always free of Federal income taxation. There are three primary ways that municipal bond interest income is taxed at the Federal level. First, the interest on some municipal bonds may be deemed as being taxable by ...

  • July 26, 2016

    Taxes on Investment Income and the 3.8% Tax Surcharge

    Marginal Federal Income Taxes on Investment Income and the 3.8% Tax Surcharge: As a result of legislation regarding ObamaCare, Federal income taxes now include a 3.8% surcharge on investment income for couples who earn more than $250,000 total. Thus, at these income levels qualified dividends and long-term capital gains are ...

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