j**********r
发帖数: 3798 | 1 刚refi, 手上有一笔钱想投资，只要比贷款利率 2.75回报高就行。贷款超过了100万，
所以边际的贷款是不能抵税的。
另外 hit AMT，边际税率 35%，加上加州州税和3.8% surtax investment, 这一半就没
了。所以相当于要 6%以上的回报率才有搞头。像这样弄啥好？ |
m*********t
发帖数: 1250 | 2 如果你在taxable account里面hold tax-efficient fund，并且hold超过一年再卖，那
么按照你现在税率水平只用交15%的Long-term Capital Gains Tax Rate。
https://www.bogleheads.org/wiki/Capital_gains_distribution
https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Guide-t
o-Short-term-vs-Long-term-Capital-Gains-Taxes--Brokerage-Accounts--etc--/INF
22384.html
如果这笔钱超过5年不会用的话，可以考虑3-fund portfolio index investing：
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005
【在 j**********r 的大作中提到】
: 刚refi, 手上有一笔钱想投资，只要比贷款利率 2.75回报高就行。贷款超过了100万，
: 所以边际的贷款是不能抵税的。
: 另外 hit AMT，边际税率 35%，加上加州州税和3.8% surtax investment, 这一半就没
: 了。所以相当于要 6%以上的回报率才有搞头。像这样弄啥好？
|
j**********r
发帖数: 3798 | 3 I think the real marginal tax rate would be 15% long term + 7% AMT phased
out + 3.8% medicare + 9.3% California = 35.1%. vs. 28% AMT marginal and 48.1
% total tax rate on short term capital gains. So it's only a 13% saving.
And I still look at 4.23% return to break even.
Look at 10 yrs load adjusted return, only VTSMX with 6.4% return can justify
it. And it benefits from the recent big bull market. Yikes, it's hard to
beat IRS.
-t
INF
【在 m*********t 的大作中提到】
: 如果你在taxable account里面hold tax-efficient fund，并且hold超过一年再卖，那
: 么按照你现在税率水平只用交15%的Long-term Capital Gains Tax Rate。
: https://www.bogleheads.org/wiki/Capital_gains_distribution
: https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Guide-t
: o-Short-term-vs-Long-term-Capital-Gains-Taxes--Brokerage-Accounts--etc--/INF
: 22384.html
: 如果这笔钱超过5年不会用的话，可以考虑3-fund portfolio index investing：
: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005
|
m*********t
发帖数: 1250 | 4 I think you are right. It looks like there are no special tax break in CA.
For diversification when you consider the short-term cap gain at marginal ta
x rate, put a little portion (say ~10%) into more risky assets like Lending
club (expected return ~8%) may also help you beat your ~6% target to break e
ven.
.1
justify
【在 j**********r 的大作中提到】
: I think the real marginal tax rate would be 15% long term + 7% AMT phased
: out + 3.8% medicare + 9.3% California = 35.1%. vs. 28% AMT marginal and 48.1
: % total tax rate on short term capital gains. So it's only a 13% saving.
: And I still look at 4.23% return to break even.
: Look at 10 yrs load adjusted return, only VTSMX with 6.4% return can justify
: it. And it benefits from the recent big bull market. Yikes, it's hard to
: beat IRS.
:
: -t
: INF
|
z*****a
发帖数: 3809 | 5 Pay down the mortgage to 1M and then invest in AMT exempt muni bonds.
【在 j**********r 的大作中提到】
: 刚refi, 手上有一笔钱想投资，只要比贷款利率 2.75回报高就行。贷款超过了100万，
: 所以边际的贷款是不能抵税的。
: 另外 hit AMT，边际税率 35%，加上加州州税和3.8% surtax investment, 这一半就没
: 了。所以相当于要 6%以上的回报率才有搞头。像这样弄啥好？
|
j**********r
发帖数: 3798 | 6 I don't have enough money to do that. And I feel safer with some cash in
hands to pay a year's living cost, just in case I am unemployed.
【在 z*****a 的大作中提到】
: Pay down the mortgage to 1M and then invest in AMT exempt muni bonds.
|
