y****i
发帖数: 778 | 1 http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
If your investment amount is larger than 25000$ and can buy and hold to
mature even the bond price is lower, you can try individual muni bond.
Otherwise, bond fund is better. Muni is good for those income fed tax rate
above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
muni. |
|
W*****7
发帖数: 830 | 2 Thanks.
It looks like that capital gain from selling the muni bonds is still subject
to tax. So should I just avoid buying discount muni bonds? and if I buy
discount muni bonds and hold it to maturity. does it still count as capital
gain or interest? |
|
y****i
发帖数: 778 | 3 If you really like muni and want to buy in your Roth, you should consider
taxable muni or build America bond (BAB) bond issued during 2009-2010
because they pay higher interest than tax free muni bond. |
|
y****i
发帖数: 778 | 4 Buy tax free muni bonds and set up bond ladder to have monthly cash flow
from semiannually individual bond payment. If you have a kid, buy different
continuous maturity year zero coupon muni bond for his/ her four year
college tuition. Like you have two kid, 6 and 2 year old, you can buy a zero
coupon tax free muni bond of 11-14 year maturity for the big one and the
other of 15-18 year for the little one. The yield is 5-6 percent, tax free,
if bonds with AGM/ FSA insurance, guarantee double yo... 阅读全帖 |
|
M********r
发帖数: 278 | 5 I see. If I had 1m outside tax advantage accounts, I would certaily consider
muni too. But I probably won't leave all eggs in the same basket such as
munis, especially high yield munis. |
|
y****i
发帖数: 778 | 6 Muni bond 5% tax free interest for many kicker bonds available plus AGM or
MBIA insured, or taxable investment grade corporate or muni/BAB bonds 5.3-7%
yield plus high dividend BDC 9-13.5% yield dependent on your tax bracket.
If you are extremely conservative, 4% tax free muni bond with A+ rating and
AGM/MBIA insured can still give you $160,000 tax free revenue every year
based on $4M asset.
an |
|
y****i
发帖数: 778 | 7 No, individual bonds are different with bond fund or ETF, please see bond
club to buy and sell individual tax free muni bond and taxable corporate or
muni/BAB bond.
http://www.mitbbs.com/club_bbsdoc/Bond.html
I can only recommemd corporate bonds which you can buy any time at Fidelity:
CUSIP 18683KAB7, a CLF bond coupon 4.8%, ask price $97.237, yield 5.32% till
10/1/2020 w/o call risk.
CUSIP 74348YAS0 (PSEC, coupon 5.85%) can offer you short term 4% yield to 9/
15/2014 if called or intermediate t... 阅读全帖 |
|
l**v
发帖数: 188 | 8 Actually I was referring to the "total return" of this ETF from ishares
website. As you said these are two different animals. So I think by
comparing total return of the ETF and the yield to worst of the zero coupon
muni bond, I'm essentially comparing the money I gain by purchasing these
two products assuming I hold the muni bond to maturity or to be called. And
on top of it muni bond's yield is immune from the fed tax. |
|
l**v
发帖数: 188 | 9 Actually I was referring to the "total return" of this ETF from ishares
website. As you said these are two different animals. So I think by
comparing total return of the ETF and the yield to worst of the zero coupon
muni bond, I'm essentially comparing the money I gain by purchasing these
two products assuming I hold the muni bond to maturity or to be called. And
on top of it muni bond's yield is immune from the fed tax. |
|
p******e
发帖数: 528 | 10 【 以下文字转载自 Stock 讨论区 】
发信人: poincare (...), 信区: Stock
标 题: 请问一个mutual funds报税问题。
发信站: BBS 未名空间站 (Thu Mar 1 13:59:29 2018, 美东)
请问如果我有一个brokerage账户，比方说在Vanguard，然后我买了个muni
bond的mutual fund。这个fund会产生interest，这些interest是不同的州的muni
bond产生的。当我报税的时候，我会收到一张税表告诉我的这些interest具体
是由哪些州产生的，这样我报州税的时候，如果住在CA，CA就不会再收
bond fund里边CA的muni bond所生成利息的税。请问我的理解对不对？
另外我给Vanguard打电话，接线的人说我不会收到一张这样表来解释这
些interest具体是由哪些州产生的。但是turbo tax又问我这些interest是
由哪些州产生的，这样的岂不是话岂不是我没法填这个信息了吗？ |
|
p******e
发帖数: 528 | 11 【 以下文字转载自 Stock 讨论区 】
发信人: poincare (...), 信区: Stock
标 题: 请问一个mutual funds报税问题。
发信站: BBS 未名空间站 (Thu Mar 1 13:59:29 2018, 美东)
请问如果我有一个brokerage账户，比方说在Vanguard，然后我买了个muni
bond的mutual fund。这个fund会产生interest，这些interest是不同的州的muni
bond产生的。当我报税的时候，我会收到一张税表告诉我的这些interest具体
是由哪些州产生的，这样我报州税的时候，如果住在CA，CA就不会再收
bond fund里边CA的muni bond所生成利息的税。请问我的理解对不对？
另外我给Vanguard打电话，接线的人说我不会收到一张这样表来解释这
些interest具体是由哪些州产生的。但是turbo tax又问我这些interest是
由哪些州产生的，这样的岂不是话岂不是我没法填这个信息了吗？ |
|
t******4
发帖数: 134 | 12 地铁muni 啥应该比公交，uber方便吧，如果目的地固定，还便宜，uber pool还是耗时
太长，堵车加pool的人多的话
：我住城里，天天骑车回家，从 SOMA 到 caltrain 堵得一塌糊涂。随便估计一下，
20%的车是uber， 这些都是新增的车。不知道，有没有数据，自从有了 uber， SF 公共
：交通的流量减了多少？车流量又多了多少？ 我觉得Uber 不仅是抢了出租车的生意，
而且也分流了不少公共交通的流量。现在Uber Pool 5刀，muni 2.75， 没人会选muni
：over uber. 但如果uber 没有补贴，涨到10刀， 15 刀，还有那么多人坐？实在觉得
：uber 的 profitibility 是个问题。
：我不是黑uber， 只是探讨一下。说实话，我也希望uber 能成功，要不然，那么多
uber 牛马工出来找工作，咱普通马工还怎么活啊。
： |
|
y****i
发帖数: 778 | 13 You did not consider the 6% commission of the agent, that's 6% of the total
selling price. You need at least 30% return of your 20% down payment just to
break even. For persons hit AMT, they know how precious the mortgage
interest is to reduce their tax by more than 40% of the interest payment if
you live in CA. Muni bond tax free 3.5-5.5% interest need 6-9% before tax
return to break even. Plus, only muni bonds have monoliner insurance. Plus,
you can still sell the muni before maturity if the m... 阅读全帖 |
|
y****i
发帖数: 778 | 14 You did not consider the 6% commission of the agent, that's 6% of the total
selling price. You need at least 30% return of your 20% down payment just to
break even. For persons hit AMT, they know how precious the mortgage
interest is to reduce their tax by more than 40% of the interest payment if
you live in CA. Muni bond tax free 3.5-5.5% interest need 6-9% before tax
return to break even. Plus, only muni bonds have monoliner insurance. Plus,
you can still sell the muni before maturity if the m... 阅读全帖 |
|
c*****r
发帖数: 8227 | 15 怎么搞tax-free munis, 哪位高人给说说？
http://www.latimes.com/business/la-fi-muni-bonds3-2010feb03,0,7917192.story
Investors in California bonds have keen interest in Obama budget
The plan would restore higher tax brackets, which could cause a surge in
demand for tax-free munis. But possible changes to the Build America Bond
program could boost issuance of tax-free bonds. |
|
p******e
发帖数: 528 | 16 请问如果我有一个brokerage账户，比方说在Vanguard，然后我买了个muni
bond的mutual fund。这个fund会产生interest，这些interest是不同的州的muni
bond产生的。当我报税的时候，我会收到一张税表告诉我的这些interest具体
是由哪些州产生的，这样我报州税的时候，如果住在CA，CA就不会再收
bond fund里边CA的muni bond所生成利息的税。请问我的理解对不对？
另外我给Vanguard打电话，接线的人说我不会收到一张这样表来解释这
些interest具体是由哪些州产生的。但是turbo tax又问我这些interest是
由哪些州产生的，这样的岂不是话岂不是我没法填这个信息了吗？ |
|
p******e
发帖数: 528 | 17 请问如果我有一个brokerage账户，比方说在Vanguard，然后我买了个muni
bond的mutual fund。这个fund会产生interest，这些interest是不同的州的muni
bond产生的。当我报税的时候，我会收到一张税表告诉我的这些interest具体
是由哪些州产生的，这样我报州税的时候，如果住在CA，CA就不会再收
bond fund里边CA的muni bond所生成利息的税。请问我的理解对不对？
另外我给Vanguard打电话，接线的人说我不会收到一张这样表来解释这
些interest具体是由哪些州产生的。但是turbo tax又问我这些interest是
由哪些州产生的，这样的岂不是话岂不是我没法填这个信息了吗？ |
|
F****4
发帖数: 36 | 18
reviews
比北京,上海和纽约的公交那是强太多了...:)如果你错开上班高峰,或在始发的前几站
上车,就有座位了.
太对了,尤其你们有孩子. 安全绝对是第一考虑.在san francisco,即时是好区,走2-3个
blocks就会有muni站.
提醒你,这只是在BART上的时间.如果包括开车到BART站及到城里转muni,基本要1.5hr,
而且还是顺利的情况,如果Bart or muni出事了,那就难说了.
-2次/月)的时候,在路上你就没心情发呆了.不过你可以请一个nanny ($1500)在家看娃.
那你住哪都没有关系了.:) |
|
m**********n
发帖数: 1271 | 19 等着没事
6：56 tamien Caltrain -$18
8:14 muni 45 to Kearny & Geary - $2
8:26 muni 38L to Geary & Laguna
8:40 in line
9:07 enter ticket A019
9:40 还在等 （但门口不用排队）
9:50 终于叫到,没行程表 走到post上ups store打印
10：20 回到领馆
10：30 van ness & o'farrell, muni 47 回caltrain |
|
P**********c
发帖数: 3417 | 20 muni一样堵。muni大部分线路又没有自己的lane.
旧金山的公共交通很烂。BART的中心在Oakland. 通到旧金山里面其实就一条线，能到
的地方非常少。去大部分地方都要坐极慢的muni. |
|
b******e
发帖数: 671 | 21 If for cheap, Palo Alto Muni or Sunnyval Muni is ok. Around 30$.
If for good quality, go to brentwood(rody ranch, shadow lakes,deer ridge),
35$ + some gas.
Palo Alto Muni is pretty wide open, good for gathering. Next Sat looking
good to me.
weekend? |
|
A*f
发帖数: 3067 | 22 good.
i like palo alto muni as well.
brentwood might be too far.
lets try sunnyvale muni, i havent been there yet.
lets aim for next Sat. Oct.25th 3:00pm @ Sunnyvale Muni
(Weekend Non-Resident Twilight $29.50) |
|
b********l
发帖数: 84 | 23 你那里地形比较平？
bay area 有几个在荒山沟谷中建的球场， slope 都较高。
我倒是倾向打一般的muni, 但是这个高slope 球场离我太近了，用它的练习设施最多。
最近它终于开始提供happy hour.
你在slope 120多的muni 打 80s, 这种高slope球场适应一下， 也应该80s.
主要是forced carry 多一些， uneven lie 多， 有些fw就是不容易drive， 一出fw
first cut 10吗， 就是native area, 丢球或很难找球了。如果你在一般muni不丢球，
这这估计要丢2-4 个球吧。
我还不是很明确这个场地的OB, 说是有黑顶的白桩，没怎么看到。 不知道native area
算OB 还是lat hazard. 如果OB的话， 得分影响更大。 |
|
b********l
发帖数: 84 | 24 你那里地形比较平？
bay area 有几个在荒山沟谷中建的球场， slope 都较高。
我倒是倾向打一般的muni, 但是这个高slope 球场离我太近了，用它的练习设施最多。
最近它终于开始提供happy hour.
你在slope 120多的muni 打 80s, 这种高slope球场适应一下， 也应该80s.
主要是forced carry 多一些， uneven lie 多， 有些fw就是不容易drive， 一出fw
first cut 10吗， 就是native area, 丢球或很难找球了。如果你在一般muni不丢球，
这这估计要丢2-4 个球吧。
我还不是很明确这个场地的OB, 说是有黑顶的白桩，没怎么看到。 不知道native area
算OB 还是lat hazard. 如果OB的话， 得分影响更大。 |
|
j******6
发帖数: 1476 | 25 哇,欢迎来三藩哈!!!我们三藩有个google群,欢迎参加:
s*******[email protected]
在downtown上班,推荐住在城里会比较方便. 房子这个东西真说不准,我同事刚在union
square macy's 外面找了个one bedroom才1100...走路15分钟上班...绝对是超级大
deal,可遇不可求. 其他的地方,除了tenderloin, SOMA, mission那几个特别差的区,其
他都不错. 中国人多的区有inner/outer sunset, inner/outer richmond都很安全,围着
golden gate park周围. 做MUNI上班. 你在沿线找房子就好. 不过怎么样1200我觉得应该可以找到一个studio/one bedroom吧? 猫是个大问题...
住东湾的话, berkley附近不错,离城里也近,可以坐bart 上班,房价不比城里便宜到哪里去,bart比
muni贵很多,大概要200-300一个月吧.muni是买月票,62一个月随便坐. 所以如果加上这
200-300的交通费,宁愿住城里. 东湾再远比如... 阅读全帖 |
|
y****i
发帖数: 778 | 26 Based on your tax bracket. If your fedreal tax rate is 28% or above,
individual municipal bonds. If you like taxable muni in your IRA account,
BAB, BBN. High yield muni, HYD and Guggenheim BulletShrs series with target
mature year.
More in bond club:
http://www.mitbbs.com/club_bbsdoc/Bond.html
http://www.mitbbs.com/clubarticle_t/Bond/31395465.html
Taxable municipal bond fund ETF like BAB or close end fund BBN(leverage with
higher yield, more sensentive to interest rate) are also not bad for smal... 阅读全帖 |
|
w*******y
发帖数: 60932 | 27 For anyone that's like me who's trying to figure out how to get home after
some night of partying:
AAA Tipsy Tow: Free Car tow home
AAA's Tipsy Tow Program offers a free tow for drinking drivers in Northern
California - members and non-members alike - from 6pm on New Year's Eve 2011
(Saturday, December 31st) until 6am the next morning, in Northern
California, Nevada and Utah.
For Tipsy Tow, call (800) 222-4357 (AAA-HELP) and tell the operator "I need
a Tipsy Tow" for a free tow of up to five mi... 阅读全帖 |
|
i******s
发帖数: 8734 | 28 http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2011/08/15/MNG
BART closes Civic Center, Powell stations
(08-15) 18:06 PDT SAN FRANCISCO -- BART has closed the Civic Center, Powell
and Montgomery stations in downtown San Francisco after about 75 protesters
gathered on the Civic Center platform to express anger over the transit agen
cy's decision to cut underground cellular phone service for three hours Thur
sday evening in an effort to quell a protest.
The Muni Metro stations at the same locati... 阅读全帖 |
|
g*q
发帖数: 26623 | 29 美国的Muni一直可以发债的，破产的也不少。
另外美国的Muni更象中国的镇而不是市 |
|
t********2
发帖数: 638 | 30 其实一样。
美国州政府如果真的破产了，倒霉的也是美国民众。不要忘了muni bond最大的买家是
pension fund，就是像你这样的美国普通民众。很多muni bond ETF在10年底11年初暴
跌10%，就是因为那时候形式非常紧张。另外中国的破产再怎么耍赖，也是要还钱的；
而美国国会正在讨论允许State gets debt relief when declaring bankrupcy, which
simply means they will not pay a penny back to the buyers, which are all
main street average joe. |
|
i*****g
发帖数: 11893 | 31 拼音 fàn wén 英文 Sanskrit 梵文不仅是印度的古典语言，也是佛教的经
典语言。梵文佛典起初是书写于贝多罗树叶上，故又称“贝叶经”。 梵文对现代
汉语的影响：随着佛经的翻译，很多梵文词汇进入了汉语，如：佛、菩萨、菩提、涅磐
、觉悟、禅定、刹那等。新疆的焉耆回族自治县最初叫ageni，源于古印度的“火”字。
天城体梵文字母表01-03(3张)
编辑本段梵天创造梵文字母
梵天创造了梵文字母及所有婆罗米系统字母，梵天创造梵文字母的事在中国古代文
献中也能找到相同的记载。 一、唐玄奘《大唐西域记》卷二说：“详其文字，梵
天所制，原始垂则，四十七言”（47个字母）。” 二、唐代西明寺道世法师（？
～683）在其名作《法苑珠林》中就有这样的记载：“昔造书之主，凡有三人。长名曰
梵，其书右行；次曰佉卢，其书左行；少者苍颉，其书下行。”（《大正藏》第53册，
351页中、下）
编辑本段梵文字母及拼写规则
梵文从十二世纪开始使用天城体字母,每个辅音字母都含固定的短元音a音,辅音与
其它元音拼写的时候,将元音符号分别写在字母的前面、后面、上面或者是下面。
表示纯辅音、鼻音... 阅读全帖 |
|
s******e
发帖数: 72 | 32 Location: SOMA, SF downtown, 旧金山市中心 五分钟走到Market St financial
district 94107
Looking for: to June 本人提前回国，房间短租到六月4号，如果你想继续住，可以和
mgmt office续签合同
Cost: $1680 all included 从4月1日起到6月4日，如一次性付清价格为$3200 不需要
押金
Description:
http://www.equityapartments.com/california/san-francisco-bay-ap
About the complex:
* located in the heart of San Francisco, between the SoMa district and Union
Square.
* 5-10 min walk to Market street and Union Square, 3 blocks to Bart/Muni. 10
-15 min walk to Caltrain station. Easy ac... 阅读全帖 |
|
s******e
发帖数: 72 | 33 发信站: BBS 未名空间站 (Sun Mar 16 21:16:56 2014, 美东)
Location: SOMA, SF downtown, 旧金山市中心 五分钟走到Market St financial
district 94107
Looking for: to June 本人提前回国，房间短租到六月4号，如果你想继续住，可以和
mgmt office续签合同
Cost: $1680 all included 从4月1日起到6月4日，如一次性付清价格为$3200 不需要
押金
Description:
http://www.equityapartments.com/california/san-francisco-bay-ap
About the complex:
* located in the heart of San Francisco, between the SoMa district and Union
Square.
* 5-10 min walk to Market street and Union Square, 3 blocks to Bart/Muni... 阅读全帖 |
|
m****e
发帖数: 71 | 34 $ 3400 / 1房 - 657平方英尺 - 距离联合广场很近的1BD / 1BA公寓/内部停车场（
Lower Nob Hill）
这个可爱的1床/ 1浴公寓地理位置优越，位于下诺布山在香格里拉 - 行走得分100，这
个单位只有几步距离旧金山神话般的联合广场购物区和金融区和西海岸最大的主教大教
堂只有几步之遥。其它亮点包括：
- 全部硬木地板
- 花岗岩台面
- 新的油漆
- 全新的不锈钢厨房用具
- 建筑物内停车场
- 在10+高层与SF市中心的华丽全景
香格里拉公寓是一家提供全面服务的高层建筑中，拥有全天候出席大堂和安全性，户外
广场，室外温水游泳池（季节性），健身房和装修常见的洗衣设备。
该装置具有水平地面上一间日本餐厅。有块内的两个米其林星级餐厅。对面街有洗衣店
，提供便利的干洗服务。
方便前往进出城交通：缆车：鲍威尔 - 海德，鲍威尔 - 梅森，加利福尼亚州;公交线
路：1 - 加利福尼亚，12 - 福尔松/太平洋地区，27 - 布莱恩特; 12-15分钟步行
距离BART和MUNI
Please reply the post or send email to [... 阅读全帖 |
|
s********n
发帖数: 1962 | 35 ☆─────────────────────────────────────☆
Sheraton (喜来登) 于 (Tue Feb 12 13:00:52 2008) 提到:
老巴: MBI/ABK/FGIC...听好，清点一下帐目，muni bond担保业务我要，
剩下的垃圾,呃，高收益债卷担保各家都留着吧，如何?
-
几家老总一齐: 滚~~~~~~~~~~~
-
老巴转向镜头: 最近我老人家开个新铺子，主营muni bond担保，政府那边
积极协调保证很快办下执照，本公司财力雄厚信誉第一，大好良机不容错过，
现在就打电话 1-800-b-u-f-f-e-t-t!
-
幕后: 银行保险公司老总们挥舞着10-K VS 四大合伙人
"签不签字? 不签!"
-
美联储大楼，大本暗自庆幸，老巴的消息太及时了，昨天我偷摸发布的
报告这下估计没人注意了....
http://www.ny.frb.org/markets/omo/omo2007.pdf
P.16, chart 9
☆─────────────────────────────────────☆
theisland ( |
|
k**f
发帖数: 372 | 36
All income taxes.
Normally taxable MM funds have higher yield than muni MM funds, so you want
to buy taxable MM funds. But occasionally, like in late September this year,
the muni MM funds has much higher yield for a month due to the crazy MM
situation. |
|
m******t
发帖数: 2416 | 37
By my book, any recommendation to put *everything* in one thing
automatically starts with a -2 score.
That said, Munis are good for cash parking. I have a sizable
portion in Viginia Munis now. |
|
m******t
发帖数: 2416 | 38
I'd be careful with munis these days. I have liked munis a lot,
and been using them for cash parking. But the prospect of
some states going default is becoming a real concern. Will
the fed bail them out? Definitely. The question is, *can*
the fed afford it? |
|
S**C
发帖数: 2964 | 39 If you choose to believe the states are in the same boat as the Bear Stern,
that is your choice. To me, the revenue that the states have compares with
their debt service, well, there is no comparison. And too bad you cannot "
bank run" a state.
My best trade? I did not make trade other than DCA, and rebalancing during
the 2009 tax time. Yep, I was lucky, tax time is just around the market
bottoms.
Having said that, munis can and probably will continue its down trend in the
short term. I am waiti... 阅读全帖 |
|
d*****1
发帖数: 1837 | 40 i agree that muni risk is overblown.
What is your opinion about muni CEF vs ETF ?
,
the
to |
|
f******r
发帖数: 51 | 41 What do you think of muni bonds with insurance? With the bond insurnace
companies almost went bankrupt, does the insurance still mean anything at
all? Are insured muni safer? Is the weakness of insurance already priced in? |
|
k*****a
发帖数: 7389 | 42 is it better to buy the actual muni or muni funds? |
|
F*M
发帖数: 104 | 43 请教"Muni for taxable account"具体怎么操作？普通的股票账号买卖Muni fund还是
直接到什么地方买？
谢谢。 |
|
y****i
发帖数: 778 | 44 Don't limit your bond tier to tier 1 bond only and choose all state if you
want high yield. Most high yield muni bonds now are either in CA or PR. Buy
PR bond if you are not in CA and still want it state tax free. Because some
BBB+ grade bond has downgrade risk, buy the high yield with monoliner
insurance will garantee you will get interest semiannually and principal
back at maturity even the bond issuer defaults. Some of my current muni bond
holdings cab be found at
http://www.mitbbs.com/clubar... 阅读全帖 |
|
y****i
发帖数: 778 | 45 Because the minimum for muni is 5000$. For a better bid quote if you want to
sell it before mature, at least 10000$ will give you a better price to sell
. So 25000$ is only 2-3 individual muni bonds which you can compare ratings,
maket value prices, yields, and liquidation (bid prices) to get some
experience. If you can garantee you will buy and hold, then 5000$ is no
different with 25000$. |
|
y****i
发帖数: 778 | 46 Natl is good, it is split by Mbia for monoliner muni bond insurance only,
the rating is Baa, only below Assurance (AGM/FSA) which is AA3, but higher
than all other companies. The yield is usually better than AGM/FSA insured
bond. I think it is one of the best choice for individual muni bond. |
|
y****i
发帖数: 778 | 47 Yes, zero coupon will give you higher YTM, but market volatility is also
higher. If you want to sell your bond before maturity, I do not recommend
zero coupon bond because the spread between the bid quote from the broker
and market price will be too large. Only you are 100 percent sure that you
don't need that money for a very long time till the maturity, then you can
buy some zero coupon bond. Currently I have about 10 percent zero coupon
bond in all my muni bond holdings, and usually they shou... 阅读全帖 |
|
y****i
发帖数: 778 | 48 Muni bond with monoliner insurance, 4-4.8 percent yield and federal tax free
, pay interest every 6 month. If you consider zero coupon bond (no interest,
return you face value till maturity, you pay 45-48$ for 100$ face value as
15 year mature bond), the yield can be higher as 5-5.5 percent. If you buy a
muni of your state or Puerto Rico, it will be both federal and state tax
free. |
|
y****i
发帖数: 778 | 49 Yes, you should buy corporate bond, high dividend M-REIT in you Roth or Ira
account, muni should in your taxable broker account to earn tax free income.
Again, 401k should invest taxable products not muni bond. |
|
y****i
发帖数: 778 | 50 Thanks for sharing. I don't have any muni bond fund so good to know that.
For individual muni bond, fidelity does calculate your cost basis like that,
including all transaction fees for both buying and selling. You can claim
capital loss for the price difference and have tax exempt interest at the
same time. Turbotax will load these information automatically, and if you
pay attention to the detail, you can see the way fidelity calculate for
individual bond capital gain/loss is always fair or und... 阅读全帖 |
|
