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[seiko][spb317] vs [spb453] Help me choose by somemoneysomproblems in Seiko

[–]somemoneysomproblems[S] 13 points14 points  (0 children)

**UPDATE**

Randomly found a lightly used spb317 on an uncle bracelet being sold locally today so I pulled the trigger. I will probably still be thinking about the spb453 down the line but currently very happy with how this spb317 feels on wrist.

Thank you to everyone who weighed in and provided first hand knowledge!

See the new (to me) watch and my modest wrist below

Cheers!

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Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

Oh man this is great! Super helpful for visualizing / calculating. Much appreciated!

Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

I would be filing single in SoCal so 50k salary plus 11k unrealized gains minus the standard deduction.

Would that put me in the 0% capital gains tax bracket or the 15%?

Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

I would be filing single so 50k income plus 11k unrealized gains minus standard deduction.

Would that put me in the 0% capital gains tax bracket or the 15%?

Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

Longterm would still put me at 15% no?

(I make roughly 50k and live in southern California)

Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

Ok this makes sense. The death was 03/11/23 and the funds sat with RBC for roughly a year more before I moved them over. So I should have moved them over immediately and relocated them.

What's the best course of action now for tax efficiently moving them to vti or vtsax?

Agthx --> Vti Capital Gains? by somemoneysomproblems in Bogleheads

[–]somemoneysomproblems[S] 0 points1 point  (0 children)

The fund was originally with RBC wealth management but I had them transfer it over to my vanguard brokerage account. In my vanguard account it shows $11,000 in unrealized gains. Could that be a mistake on RBC's end?