Archive for the 'Tax Issues' Category

Reduce your California tax withholding to avoid an IOU next April

Monday, November 2nd, 2009

As far as I know, California state has raised the tax withholding rates twice this year. The first was for payrolls starting from May 2009 and the second is for payrolls starting from November 2009. The latest increase is reported in this LINK.
If I remember correctly, the increase in May 2009 was due to the [...]

Squeezing out more tax efficiency from my portfolio

Thursday, July 30th, 2009

My portfolio is currently allocated as follows:

US LargeCap 11%
US SmallCap 8%
US REITs 4%
US Timber REITs 4%
US MLP (PIK dividends only) 4%
INT EAFE 20%
INT Emerging Market 11%
PreciousMetal Equity 5%
Fixed Income 33%

The ranking of the asset classes, in terms of tax efficiency (based on historical dividends), are as follows (most tax efficient at the top):

US MLPs EEQ [...]

“Tax-free” Dividends from Timber REIT investing

Thursday, March 26th, 2009

Due to the recent bear market, I harvested a huge amount of capital losses (six-digit figure) which I can use to offset against capital gains and income in future years. The offset against capital gains is uncapped, but that against income is capped at $3000 a year.
With that in mind, investments that primarily throw off [...]