a*******m
发帖数: 127 | 1 【 以下文字转载自 Stock 讨论区 】
发信人: asiadream (东亚睡夫), 信区: Stock
标 题: Tax exempt Municipal Bond ETF 是不是有这样的漏洞
发信站: BBS 未名空间站 (Tue Oct 23 16:28:09 2012, 美东)
Tax exempt Municipal Bond ETF （例如MUB） 是不是有这样的税收漏洞：
我在dividend date前一天买入，dividend date后一天卖出
dividend是免税的
卖出的时候，股价因为发dividend而减少导致short term capital loss
如果我的tax bucket是30%，那么我净赚dividend的30% |
t******r
发帖数: 826 | 2 I think so,30% minus 2 times commission and plus state tax bracket! But buy/
sell price will be changing all
the time.You can use limit order, but may not be executed. |
y****i
发帖数: 778 | 3 Dependent on how your broker calculate the cost basis. Yes, you can save up
to $3000 Capital loss times your tax bracket in that case every year if your
broker calculate your cost basis like that. |
a*******m
发帖数: 127 | 4 谢谢两位，但是实践证明这个方法不行。
tax-exempt etf都是monthly dividend，每次分红太少不值花这个功夫。
up
your
【在 y****i 的大作中提到】
: Dependent on how your broker calculate the cost basis. Yes, you can save up
: to $3000 Capital loss times your tax bracket in that case every year if your
: broker calculate your cost basis like that.
|
b**e
发帖数: 88 | 5 不行。我以前也想过这个问题，结果发现有一个法规掐死这个loop-hole
对于产生tax-exempt income的资产，capital loss不能被claim，除非你hold 6个月以
上。你可以google一下，municipal bond fund, capital loss, 6 months.
【在 a*******m 的大作中提到】
: 谢谢两位，但是实践证明这个方法不行。
: tax-exempt etf都是monthly dividend，每次分红太少不值花这个功夫。
:
: up
: your
|
y****i
发帖数: 778 | 6 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 under some conditions,
better for the customers. I really doubt IRS will check such details.
【在 b**e 的大作中提到】
: 不行。我以前也想过这个问题，结果发现有一个法规掐死这个loop-hole
: 对于产生tax-exempt income的资产，capital loss不能被claim，除非你hold 6个月以
: 上。你可以google一下，municipal bond fund, capital loss, 6 months.
|
a*******m
发帖数: 127 | 7 【 以下文字转载自 Stock 讨论区 】
发信人: asiadream (东亚睡夫), 信区: Stock
标 题: Tax exempt Municipal Bond ETF 是不是有这样的漏洞
发信站: BBS 未名空间站 (Tue Oct 23 16:28:09 2012, 美东)
Tax exempt Municipal Bond ETF （例如MUB） 是不是有这样的税收漏洞：
我在dividend date前一天买入，dividend date后一天卖出
dividend是免税的
卖出的时候，股价因为发dividend而减少导致short term capital loss
如果我的tax bucket是30%，那么我净赚dividend的30% |
t******r
发帖数: 826 | 8 I think so,30% minus 2 times commission and plus state tax bracket! But buy/
sell price will be changing all
the time.You can use limit order, but may not be executed. |
y****i
发帖数: 778 | 9 Dependent on how your broker calculate the cost basis. Yes, you can save up
to $3000 Capital loss times your tax bracket in that case every year if your
broker calculate your cost basis like that. |
a*******m
发帖数: 127 | 10 谢谢两位，但是实践证明这个方法不行。
tax-exempt etf都是monthly dividend，每次分红太少不值花这个功夫。
up
your
【在 y****i 的大作中提到】
: Dependent on how your broker calculate the cost basis. Yes, you can save up
: to $3000 Capital loss times your tax bracket in that case every year if your
: broker calculate your cost basis like that.
|
b**e
发帖数: 88 | 11 不行。我以前也想过这个问题，结果发现有一个法规掐死这个loop-hole
对于产生tax-exempt income的资产，capital loss不能被claim，除非你hold 6个月以
上。你可以google一下，municipal bond fund, capital loss, 6 months.
【在 a*******m 的大作中提到】
: 谢谢两位，但是实践证明这个方法不行。
: tax-exempt etf都是monthly dividend，每次分红太少不值花这个功夫。
:
: up
: your
|
y****i
发帖数: 778 | 12 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 under some conditions,
better for the customers. I really doubt IRS will check such details.
【在 b**e 的大作中提到】
: 不行。我以前也想过这个问题，结果发现有一个法规掐死这个loop-hole
: 对于产生tax-exempt income的资产，capital loss不能被claim，除非你hold 6个月以
: 上。你可以google一下，municipal bond fund, capital loss, 6 months.
|
