The retirement planning concept of “safe withdrawal rates” (and the accompanying “4{04524d497bea0ade6defd1388b5c9b25998d95475e2938b4fa9d615e63ad1540} rule” concept) can be traced back to an article by financial planner Bill Bengen — an article that was published 20 years ago this month (October, 1994). This week, the Journal of Financial Planning published a piece …
Author: Mike
Tax-Gain Harvesting with Bonds
Tax-loss harvesting is a very common tax strategy in which you sell a holding when its value is less than the amount you paid for it, then reinvest the proceeds from the sale in a similar (though not “substantially identical”) investment. The idea is that you then …
When to Tax-Gain Harvest Your Bonds
Last week’s article about tax-gain harvesting with bonds drew quite a bit of correspondence from readers. (To recap, the general idea is to sell a bond that has increased in value since you bought it — and which you have held for more than one year – and …