The Motley Fool

DECEMBER 27, 2023

Image source: Getty Images Making donations to charities is a generous thing to do, and it can also help reduce your tax bill. But if you want to make the most of your charitable giving, smart tax planning should also be part of your agenda. Let's look at a few positive results that can happen from tax deductible charitable giving.

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The Motley Fool

SEPTEMBER 27, 2024

Minimize your investment fees Most 401(k)s give you a choice between a variety of mutual funds or index funds your employer chooses. Try to keep your total fees below 1% of your assets each year. Most mutual funds charge expense ratios , which are listed as percentages in your prospectus.

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The Motley Fool

SEPTEMBER 30, 2024

For example, a Roth IRA offers exceptional tax benefits, making it an outstanding retirement planning tool. It also comes with immediate tax benefits. For example, taxes on 401(k) contributions are deferred until retirement, meaning you can lower your taxable income during your working years by contributing more to your 401(k).

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The Big Picture

DECEMBER 4, 2024

Would you like to diversify but also defer paying big capital gains taxes? I’m Barry Ritholtz and on today’s edition of at the money we’re going to discuss how to manage concentrated equity positions with an eye towards diversification and managing big capital gains taxes. None of these solutions are optimal.

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The Motley Fool

MAY 29, 2024

They hold a variety of assets, such as stocks, bonds, or commodities. Some are actively updated by fund managers, while others leave the stock-picking to a standard market index. Index-tracking ETFs are designed to track the performance of a specific index, sector, or asset class. trillion of assets under management.

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The Motley Fool

SEPTEMBER 21, 2024

You'll mostly see target date funds , mutual funds , and maybe some company stock. Sure, you could dip into your 401(k), but you'll face a 10% penalty on top of paying taxes. Also, investing in other assets outside of your 401(k) could offer more lucrative growth opportunities.

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Mutual Funds Taxes Management Fees Accounting 245

The Motley Fool

FEBRUARY 19, 2024

A family office may offer financial planning, investment management, tax expertise, and charitable giving opportunities. A prime brokerage A prime brokerage is a group of services offered to ultra-high-net-worth individuals (UHNWI) or hedge funds.

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The Motley Fool

JULY 19, 2024

Even if you add investments outside of retirement accounts, like individual stocks, bonds, and mutual funds, 50% of American households have less than $9,000 invested. The IRA comes with tax incentives. For every dollar you contribute to a traditional IRA, you can deduct it from your tax return. That's a far cry from $1.46

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The Motley Fool

JUNE 27, 2024

Money in your 401(k) account grows in a tax-advantaged way. If it's a traditional IRA, you'll get an upfront tax break, as you can deduct your contribution each year from your taxable income. The table below shows the returns of various asset classes between 1802 and 2021, per Wharton Business School professor Jeremy Siegel.

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The Motley Fool

SEPTEMBER 4, 2023

Even worse, those concerns have coincided with a decline in the number of households that expect to have their own assets in retirement accounts. The program could increase its revenue by increasing tax rates or raising the payroll income tax cap. There's also the matter of putting all those assets to work.

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The Motley Fool

MAY 11, 2024

Over 91 million American households have already received a tax refund in 2024. Only a small group of those households will take the extra step to turn that money into a much more valuable asset. Just 9% of Americans plan to invest their tax refund, according to a January survey from Bankrate. Here's how.

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The Motley Fool

OCTOBER 28, 2024

However, if you withdraw that $10,000 now, not only do you lose that potential growth, but you may also face early withdrawal penalties and taxes (which could be between 20% and 30%, depending on your tax rate), leaving you with only $7,000. thanks to compound interest.

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The Motley Fool

JANUARY 8, 2024

Investing -- buying assets that you hope will accumulate value over time -- can be a great way to build wealth. Before we get started on ways to invest, a word about emergency funds. They built their wealth by consistently investing in index funds or exchange-traded funds (ETFs).

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The Motley Fool

JANUARY 7, 2024

Many people also have a tax refund coming their way in the next few months. If you choose the IRA route, you'll be able to decide how you want to invest your money and when to pay taxes on it. Mutual funds and exchange-traded funds (ETFs) charge expense ratios, which are an annual fee you pay the fund manager.

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The Motley Fool

SEPTEMBER 21, 2024

You can also buy bonds through ETFs or mutual funds. Funds are baskets of securities and can be a more accessible and affordable way to add bonds to your portfolio. For example, a top high-yield savings account is a great home for your emergency fund. You'd get a payment of $100 every six months for 10 years.

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Mutual Funds Debt Taxes Accounting 230

The Big Picture

DECEMBER 14, 2023

At the Money: Mutual Funds vs. ETFs with Dave Nadig, Financial Futurist for Vetta Fi (December 13, 2023) What’s the best instrument for your investments? Mutual funds or ETFs? But over the past few decades the mutual fund has been losing the battle for investors attention. Dave Nadig : Absolutely not!

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Mutual Funds Funds Exchange-Traded Funds Taxes 72

The Motley Fool

JANUARY 31, 2024

Check out the table below, showing the returns of various asset classes between 1802 and 2021, per Wharton Business School professor Jeremy Siegel: Asset Class Annualized Nominal Return Stocks 8.4% It's smart to make good use of tax-advantaged retirement savings accounts such as 401(k)s and IRAs. Bonds 5% Bills 4% Gold 2.1%

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Walkner Condon Financial Advisors

MAY 31, 2024

Breathe Easier Next Tax Season with These Planning Strategies Every year, most of us smile when we see April 15th in the rearview mirror. The completion of our tax returns being filed marks the beginning of a nine month period where we don’t need to think about funny acronyms and form numbers.

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The Big Picture

JANUARY 24, 2024

At the Money: How to Pay Less Capital Gains Taxes (January 24, 2024) We’re coming up on tax season, after a banner year for stocks. Successful investors could be looking at a big tax bill from the US government. On this episode of At the Money, we look at direct indexing as a way to manage capital gains taxes.

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Taxes Mutual Funds Capital Asset Management 98

Integrity Financial Planning

NOVEMBER 7, 2022

Using a strategy called tax-loss harvesting, you can earn capital gains tax credits on your investment losses. What is Tax-Loss Harvesting? This strategy is when you sell stocks, mutual funds, exchange-traded funds (ETFs), and other investments carrying a loss to offset gains from other investments sold.

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Taxes Mutual Funds Exchange-Traded Funds Investing 98

The Motley Fool

APRIL 1, 2024

Image source: The Motley Fool/Upsplash There are many ways you can invest your money, from traditional options like stocks and mutual funds to more recent options like cryptocurrency. They're also the most likely to invest in crypto, a high-risk asset and not a good place for all but a small portion of your money.

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Mutual Funds Exchange-Traded Funds Investing Taxes 130

The Motley Fool

DECEMBER 10, 2024

Tax-loss harvesting If you're an investor, you may already know that you might have to pay capital gains tax on profitable investments. What you might not know is that any investment losses can be used to help offset gains for tax purposes. This is known as tax-loss harvesting. Consider this example.

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The Motley Fool

FEBRUARY 5, 2025

Interval funds are closed-end investment companies that might appeal to investors looking for different ways to diversify their portfolio by providing access and exposure to illiquid strategies or alternative assets. Interval funds are illiquid. Interval funds can invest in a diverse mix of assets, including private securities.

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Mutual Funds Funds High Net Worth Individuals Hedge Funds 130

The Motley Fool

AUGUST 17, 2024

Sometimes, you may not even realize how much you're losing, especially if you're primarily focused on an investment's nominal return -- that is, its return before accounting for taxes, inflation, and investment fees. This is an annual fee you pay to the team overseeing the fund who manage the assets within it.

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The Big Picture

APRIL 11, 2024

And even still, fund fees and taxes remained a major cost element. They slowly accumulated some assets, but hardly moved the needle on Wall Street. In 1978, Congress enacted Internal Revenue Code Section 401(k), which allowed tax-deferred savings through a company-administered plan. S&P had a similar service.

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Securities and Exchange Commission (SEC) Mutual Funds Hedge Funds Taxes 140

Dear Mr. Market

NOVEMBER 17, 2023

Market: The stock market is made up of thousands of choices and one easy way to gain exposure to it is via mutual funds. Costs/Expenses : ETFs typically have lower expense ratios compared to mutual funds. Tax Efficiencies : ETFs are generally more tax-efficient than mutual funds.

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The Motley Fool

MAY 20, 2024

I've since contributed to those accounts every year, generally striving to max out my state's tax deduction over the course of a year. Until the need to spend the money in their accounts became clear, I invested those contributions in stock-based index funds. This is because the market can fall as well as rise. What comes next?

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Fortune Financial

NOVEMBER 22, 2022

The clock is ticking for taxpayers who wish to minimize the taxes they will owe in the spring. The IRS does not tax what you divert directly from your paycheck into your retirement or health savings accounts. A Roth conversion will lower the Required Minimum Distributions (RMDs) from tax-deferred accounts.

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Taxes Education Mutual Funds Accounting 98

The Motley Fool

JULY 10, 2024

Once upon a time, the Grayscale Bitcoin Trust (NYSEMKT: GBTC) traded at a consistent premium to its net asset value (NAV). From the fund's public market entrance in May 2015 to the end of 2020, the Grayscale fund averaged a 37% price premium over its holdings in pure Bitcoin (CRYPTO: BTC). in the ETF era.

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The Motley Fool

JUNE 22, 2024

That's a lot of tax-advantaged contributions you can make to your plan. For one thing, your 401(k) probably has pretty limited investment options, which usually consist of target date and mutual funds. You might also have to pay management fees and commissions for buying and selling assets.

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Mutual Funds Taxes Management Fees Accounting 130

The Motley Fool

JULY 23, 2023

Millions of parents and grandparents have poured billions into 529 accounts to fund their beneficiaries' schooling since the tax-advantaged savings plans were created by Congress in 1996. The assets can grow beyond those limits, of course. 529 accounts are externally managed mutual fund plans with limited investment menus.

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The Motley Fool

JUNE 16, 2023

Tax-advantaged accounts There are a few different types of tax-advantaged investment accounts, and not all of them are geared toward retirement. What they have in common is that they can lower your tax bill and help boost your investments. 401(k) : This is a tax-deferred, employer-sponsored retirement plan.

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The Motley Fool

AUGUST 5, 2023

The best way to save for retirement is to contribute to a tax advantaged retirement account. If you don't pay it back, it's considered a distribution and you'll pay taxes and penalties if you're not 59-and-a-half. The thing to remember though, is with a hardship withdrawal, you still pay taxes. So target date fund.

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The Motley Fool

JANUARY 15, 2025

With impressive growth in assets under management (AUM) , which reached a record $11.6 AUM = Assets under management. The firm is known for its diverse offerings including mutual funds, exchange-traded funds (ETFs) , and its advanced risk management platform, Aladdin. The effective tax rate decreased to 20.9%

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The Motley Fool

FEBRUARY 28, 2024

The high contribution limit -- $23,000 in 2024 (or $30,500 for those 50 and older) -- provides most investors with a substantial amount of tax-advantaged savings. Your investment options are limited Most 401(k) plans offer a limited set of ETFs or mutual funds where you can invest your contributions. Image source: Getty Images.

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Mutual Funds Taxes Education Accounting 130

The Motley Fool

MARCH 3, 2024

Most employers and their plan providers will give investors a menu exclusively of mutual funds and exchange-traded funds to pick from. Some of those mutual funds, such as target date funds, can carry relatively high fees. All you'll have to worry about are capital gains taxes.

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Mutual Funds Exchange-Traded Funds Taxes Accounting 130

The Motley Fool

SEPTEMBER 12, 2023

These investments are often mutual funds or target date funds. By contrast, if you open a retirement investment account (like an IRA) with a brokerage firm , you can generally invest in almost any asset available. You can buy mutual funds or target date funds, but also stock shares in individual companies as well.

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