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ROBERT ADAMS

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RE: Year-End Tax Moves That Matter Most

Posted By ROBERT ADAMS 12-30-2025 13:36
Found In Egroup: Tax Strategies \ view thread
Dave and Earl, I guess we're arguing apples and oranges here. I approach the issue from a pure growth standpoint. All my adult life, I have focused on maximizing the growth of my assets, and I assume any young person reading this thread would want to do the same thing. If my IRA was of the traditional ...

RE: Year-End Tax Moves That Matter Most

Posted By ROBERT ADAMS 12-29-2025 12:36
Found In Egroup: Tax Strategies \ view thread
Addendum: I have a son who served four years in the military. His highest effective tax rate while he was in was 6.73%. Thus, contributing his $6,000 to a traditional IRA instead of a Roth that year would have saved about $404. He never missed it and never will. When he reaches retirement age, he will ...

RE: Year-End Tax Moves That Matter Most

Posted By ROBERT ADAMS 12-29-2025 12:17
Found In Egroup: Tax Strategies \ view thread
Earl, your finance professor must have been smoking the wrong stuff. Either that, or the prof's assumptions were all wrong. To begin with, the maximum contribution to each type of account is exactly the same, and you can invest in exactly the same assets in each account, so they grow exactly the same ...

RE: Year-End Tax Moves That Matter Most

Posted By ROBERT ADAMS 12-26-2025 10:29
Found In Egroup: Tax Strategies \ view thread
Young people take note! Invest in ROTH assets while you're young! If your 401k or other retirement plan has a Roth option, USE IT! A Roth IRA is vastly superior to the traditional version because of its enhanced flexibility. The small tax deduction you will receive from contributing to a traditional ...

RE: How Will the 2026 OBBBA Charitable Deduction Changes Influence Your Giving Strategy?

Posted By ROBERT ADAMS 12-18-2025 10:46
Found In Egroup: Tax Strategies \ view thread
I think the statement, "Importantly, any contributions that don't qualify for a deduction under the new rule can still be carried forward for up to five years," is a little misleading. As I understand it, the only contributions that can be carried forward are those that exceed the new annual maximum. ...

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-13-2025 12:16
Found In Egroup: Tax Strategies \ view thread
Judith, do you use a commercially prepared/updated spreadsheet, or did you create it yourself? ------------------------------ Rob Adams ------------------------------

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-11-2025 09:10
Found In Egroup: Tax Strategies \ view thread
I received a private message indicating it is better to hold funds that issue surprise distributions in IRAs or similar vehicles, and I wholeheartedly agree with that concept. But I hold most of our triple-leveraged ETFs (TECL, TQQQ, and SOXL) in taxable accounts for two reasons: (1) I never expected ...

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-10-2025 17:50
Found In Egroup: Tax Strategies \ view thread
Ah, pride goeth before a fall. Here I thought I had it all together for the coming tax season, but no! I just got a nice and nasty surprise from TECL. They're going to pay an $8/share distribution next week. That's going to throw a big kink in my planning. I have a daughter who will be launched into ...

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-09-2025 14:41
Found In Egroup: Tax Strategies \ view thread
Thank you, Barry, for all your enjoyable posts. You always bring a much-needed dose of levity into the mix. 😁 ------------------------------ Rob Adams ------------------------------ ...

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-09-2025 13:52
Found In Egroup: Tax Strategies \ view thread
Barry, I generally share your jaded view of our friendly government, but I've actually had good experiences with both the federal and state tax authorities. I make it a point of pride not to fudge on my tax returns---not even a little bit! (I won't say I haven't been tempted, but a little cheating is ...

RE: Which 2025–2026 Tax Changes Matter Most to You and How Do You Stay Organized?

Posted By ROBERT ADAMS 12-09-2025 13:21
Found In Egroup: Tax Strategies \ view thread
With all the phaseouts, thresholds, MAGI definitions, and new deduction types, how do you stay organized? I like to keep things simple. I use an Excel spreadsheet to track my income by category throughout the year. I have another spreadsheet for medical expenses, one for donations, and one for state ...

RE: Managing Portfolios During Periods of Fear

Posted By ROBERT ADAMS 12-08-2025 18:56
Found In Egroup: Investor Sentiment \ view thread
🤣 There is NO SUCH THING as a "predictor of market performance 6 months forward." 🤣 If there was, and we knew what it was, we'd all be billionaires! The ONLY thing that is reasonably predictable about the equities markets is their long-term performance. Unless and until our country goes the way ...

RE: Need feedback on the growth ETFs selected

Posted By ROBERT ADAMS 12-04-2025 15:24
Found In Egroup: Growth Investing \ view thread
VGT is great! I've owned it since April 2020, and it's a keeper. My children will inherit it from me. I like VUG, but I own Schwab's analog, SCHG (bought it in 2012). It's also a keeper. I'd give the rest of this list a big yawn. Personally, I'd avoid any "international" fund. They've been chronic ...

RE: How Do You Balance Tax Timing?

Posted By ROBERT ADAMS 12-04-2025 14:21
Found In Egroup: Tax Strategies \ view thread
Do you: Delay sales to qualify for long-term gains? I'm a long-term investor (buy and hold!), so I never incur short-term gains. I occasionally will sell a short-term holding to harvest a tax loss, but not very often. Actively track ex-dividend dates or holding-period requirements? I track ...

RE: Seven Keys to Successful Trading and Active Investing

Posted By ROBERT ADAMS 12-03-2025 00:36
Found In Egroup: Technical Analysis \ view thread
Barry, unfortunately, that "gift" link won't let me read the article without subscribing. Thus, I'm still expecting a big Christmas present from you in my stocking! 😁 However, you might need to ask the WSJ for a job as a sales rep. Your link did prompt me to look at the cost of a subscription, ...

RE: Seven Keys to Successful Trading and Active Investing

Posted By ROBERT ADAMS 12-01-2025 16:47
Found In Egroup: Technical Analysis \ view thread
One thing I'd add to Barry's list is: "Frugality is your friend." A lower spending rate allows greater asset growth over time, which in turn allows greater spending over time. On Sandy's note about diversification, I'd caution that too much of it is counterproductive. When I retired about 13 years ...

RE: Seven Keys to Successful Trading and Active Investing

Posted By ROBERT ADAMS 11-30-2025 21:16
Found In Egroup: Technical Analysis \ view thread
There are thousands of guys in New York City who sit in front of banks of computer monitors and sift up-to-the-nanosecond data on stocks. Many have degrees from Ivy League schools, and they're generally a lot smarter than I am. I cannot hope to compete with them in their "active trading" methodologies. ...

RE: Would You Mix a Target-Date Fund With Small-Cap Value?

Posted By ROBERT ADAMS 11-13-2025 13:27
Found In Egroup: Small-Cap Investing \ view thread
Would you consider using this type of 50/50 strategy? Why or why not? Absolutely NOT! I would never invest in, nor would I recommend to anyone I cared about, a target date fund. For the life of me, I cannot understand why they are so popular. I guess it's just that the general public has such a deficiency ...

RE: Managing Portfolios During Periods of Fear

Posted By ROBERT ADAMS 10-22-2025 22:01
Found In Egroup: Investor Sentiment \ view thread
Thanks Barry, but I have a ways to go to catch up with Buffett. But if I live long enough.... ------------------------------ Rob Adams ------------------------------

RE: Where Do Mega-Trends Sit on the S-Curve?

Posted By ROBERT ADAMS 10-22-2025 21:56
Found In Egroup: Growth Investing \ view thread
Barry saved the meat and potatoes for his last paragraph (#7). As much as everyone would like to have a math-based formula that shows them what to invest in and when, I don't know of anyone who has found that magical formula, and I doubt it will ever be found. The "S-curve" looks to me suspiciously ...