The Motley Fool

NOVEMBER 24, 2023

The bulk of them are managed by mutual fund companies, with most of those companies limiting your investment choices to their family of funds. In fact, you may not even have access to that fund company's entire fund lineup. But there are scenarios in which you might be better off doing exactly that.

Mutual Funds 245

Mutual Funds Taxes Exchange-Traded Funds Accounting 245

The Motley Fool

APRIL 19, 2024

Money in your 401(k) account grows in a tax-advantaged way -- either by postponing taxation via a traditional 401(k) or by avoiding it altogether via a Roth 401(k). Funds in your 401(k) can't be withdrawn any time you'd like without triggering taxes and penalties. It's always smart to find out what kind of fees you'll face.

Mutual Funds 244

Mutual Funds Taxes Accounting Funds 244

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.

Taxes 52

Taxes Mutual Funds Accredited Investors Asset Management 52

The Motley Fool

OCTOBER 13, 2023

If you contribute some of your earnings to an IRA, you can shield some income from taxes. They give you a limited penalty-free withdrawal to buy a home If you're funding an IRA to have savings down the line in retirement, then it's generally best to leave that money alone until retirement. IRAs allow you to buy stocks individually.

Mutual Funds 246

Mutual Funds Taxes Accounting Funds 246

The Motley Fool

JANUARY 22, 2024

So if you want the option to retire at, say, age 52, then you'll need to keep some of your long-term savings outside of a tax-advantaged account. Sure, you could choose one specific mutual fund over another in your 401(k). But you don't get to dictate what assets those funds actually invest in.

Mutual Funds 243

Mutual Funds Taxes Accounting Assets 243

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.

Taxes 147

Taxes Mutual Funds Assets Accounting 147

The Motley Fool

JULY 19, 2024

Protect yourself from market volatility Ideally, retirement investments move from higher-risk investments like stocks to lower-risk investments like bonds and mutual funds as you get close to retirement. Relying on a business's cash flow can help you weather the market's ups and downs by not pulling out funds when the market falls.

Mutual Funds 246

Mutual Funds Taxes Liabilities Funds 246

The Motley Fool

APRIL 22, 2024

Fortunately for me, my full-time employer sponsors a tax-advantaged retirement account, and offers a contribution-matching program. The only options were some mutual funds that are balanced based on your risk tolerance and projected retirement date. Turns out I could, but it was a slightly complicated process.

Mutual Funds 241

Mutual Funds Exchange-Traded Funds Accounting Taxes 241

The Motley Fool

SEPTEMBER 2, 2024

These accounts have certain tax advantages. Contributions to a 401(k), for instance, lower your taxable income and may end up reducing your tax bill. IRA contributions can also be tax deductible, so long as certain conditions are met. Both give you the power of tax deferral.

Mutual Funds 244

Mutual Funds Taxes Investing Accounting 244

The Motley Fool

JUNE 3, 2024

In particular, people with net worths of $1 million or higher tend to have more of their money in the following: Stocks/mutual funds Real estate Business interests Those in the $10,000 and $100,000 tiers invest in those, too, but not nearly as much. Millionaires put their money into appreciating assets (assets that can grow in value).

Hedge Funds 246

Hedge Funds Mutual Funds Investing Venture Capital 246

The Motley Fool

SEPTEMBER 12, 2024

With a traditional 401(k), the more you put in, the more income you can potentially shield from taxes, up to the yearly IRS limit. First, by limiting you to investment funds, 401(k)s make it difficult to build a customized retirement portfolio. However, non-medical HSA withdrawals at age 65 or later are subject to taxes.

Mutual Funds 238

Mutual Funds Taxes Funds Portfolios 238

The Motley Fool

DECEMBER 22, 2023

Not only do the holidays inspire goodwill and cheer, but many people are interested in writing off their donations as we close out the tax year. But there's also a lot of confusion about charitable donations and when you can write them off for tax purposes. To write off a charitable deduction, you'll need to itemize your tax return.

Taxes 243

Taxes Mutual Funds Exchange-Traded Funds Consultants 243

The Motley Fool

FEBRUARY 26, 2024

With its high contribution limit, tax advantages, and potential for a company match, it could be your biggest source of savings once you retire. The biggest fees in 401(k) plans are often the investment fees charged by mutual fund companies. You should aim to avoid actively managed mutual funds with high expense ratios.

Mutual Funds 241

Mutual Funds Investing Accounting Taxes 241

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. Most mutual funds charge expense ratios , which are listed as percentages in your prospectus. However, your personal contributions are always yours to keep.

Mutual Funds 239

Mutual Funds Accounting Assets Taxes 239

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).

Mutual Funds 246

Mutual Funds Exchange-Traded Funds Taxes Assets 246

The Motley Fool

APRIL 15, 2024

They invest heavily in stocks and mutual funds Baby boomers have the largest percentage of their wealth in stocks and mutual funds. Experts often recommend the 50/30/20 rule , which says 50% of your after-tax income goes to needs, 30% to wants (non-essentials), and 20% goes to saving or paying off debt.

Mutual Funds 245

Mutual Funds Financing Finance Consultants 245

The Motley Fool

DECEMBER 2, 2023

The 401(k) is a cornerstone of retirement planning -- it's tax-friendly, hands-off, and convenient. Contributions to a traditional IRA may be deductible, and earnings grow tax-deferred until you take withdrawals in retirement. Contributions to a Roth IRA are made with after-tax money, and withdrawals are tax-free in retirement.

Taxes 246

Taxes Mutual Funds Education Exchange-Traded Funds 246

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. Plus, by lowering your taxable income through 401(k) contributions, you can also reduce your tax bill.

Mutual Funds 242

Mutual Funds Taxes Management Fees Accounting 242

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!

Mutual Funds 72

Mutual Funds Funds Exchange-Traded Funds Taxes 72

The Motley Fool

MAY 11, 2024

Over 91 million American households have already received a tax refund in 2024. Just 9% of Americans plan to invest their tax refund, according to a January survey from Bankrate. You don't need to be a genius to take your tax refund and turn it into a much more valuable asset. Should you invest your tax refund all at once?

Taxes 130

Taxes Mutual Funds Assets Funds 130

The Motley Fool

MAY 29, 2024

These are offered by employers and allow workers to allocate a portion of their paycheck each month to fund retirement. Generally, 401(k)s give you the option to invest across a number of different mutual funds. Retirement accounts such as an IRA offer tax advantages you won't find in a traditional brokerage account.

Taxes 241

Taxes Mutual Funds Passive Investors Accounting 241

The Motley Fool

MARCH 17, 2024

If you'd prefer to maximize your tax break now, you can open a traditional (pre-tax) version of any of them, but if you'd prefer to enjoy tax-free income after you retire, a Roth account is certainly an option.

Mutual Funds 246

Mutual Funds Taxes Accounting Funds 246

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

Mutual Funds 236

Mutual Funds Taxes Exchange-Traded Funds Accounting 236

The Motley Fool

MAY 29, 2024

Mutual funds update their price at the end of each market day, and they come with extra layers of tax reporting, too. This is significantly lower than the average ETF (0.16%) or mutual fund (0.47%), allowing you to keep more of your returns. One of the main advantages of ETFs is their ability to trade like a stock.

Exchange-Traded Funds 241

Exchange-Traded Funds Mutual Funds Investing Stock Exchanges 241

The Motley Fool

OCTOBER 28, 2024

The simple explanation is this means investing equal dollar amounts at specific intervals in your favorite stocks, ETFs, or mutual funds. As a basic example, instead of investing $6,000 at a set point in the year in a S&P 500 index fund, maybe invest $500 in the same index fund at the beginning of each month.

Mutual Funds 243

Mutual Funds Taxes Stock Market Stock Market 243

The Motley Fool

FEBRUARY 11, 2024

Average 401(k) balance for 55 to 64 year olds Mutual fund company Vanguard crunches the numbers every year using data from its own clients. Most 401(k) plans only offer a limited number of mutual funds to choose from. It's not yet at the very end of your opportunity to sock money away. investor stands.

Mutual Funds 223

Mutual Funds Accounting Taxes Funds 223

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.

Taxes 98

Taxes Mutual Funds Capital Asset Management 98

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.

Mutual Funds 246

Mutual Funds Debt Financing Finance 246

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. Aim to contribute enough to grab the maximum match, as it's free money. Later, when you're withdrawing money, it will count as taxable income.

Mutual Funds 245

Mutual Funds Taxes Accounting Assets 245

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.

Mutual Funds 263

Mutual Funds Exchange-Traded Funds Taxes Accounting 263

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.

Taxes 105

Taxes Liabilities Mutual Funds Assets 105

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.

Taxes 98

Taxes Mutual Funds Exchange-Traded Funds Investing 98

The Motley Fool

SEPTEMBER 9, 2023

Also keep in mind that most retirement income is still taxed like regular work-based income, so you may be pocketing less than you're withdrawing from an IRA, for example. That said, there are some tax implications to consider. Create a hypothetical, income-producing portfolio using the amount you've got saved up.

Mutual Funds 246

Mutual Funds Legal Taxes Education 246

The Motley Fool

FEBRUARY 19, 2024

A family office may offer financial planning, investment management, tax expertise, and charitable giving opportunities. Hedge funds are often far riskier than investing in a mutual fund, and they are exclusively for people with at least $200,000 in income or $1 million in net worth.

Hedge Funds 225

Hedge Funds High Net Worth Individuals Mutual Funds Mergers and Acquisitions 225

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. These are a must, because they help you save on taxes. But anybody who is working can open an IRA and start making tax-deductible contributions.

Mutual Funds 130

Mutual Funds Exchange-Traded Funds Investing Taxes 130

The Motley Fool

MAY 28, 2024

Even for people at or over the age of 65, mutual fund company Vanguard reported that their clients' average 401(k) balance in 2022 stood at just a tad over $230,000. Last year's average contribution was on the order of 4.8%, according to mutual fund company and plan manager Fidelity. Over the past 15 years, 88% of U.S.

Mutual Funds 130

Mutual Funds Taxes Education Accounting 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.

Accounting 130

Accounting Mutual Funds Taxes Assets 130