Follow-up to the tax-location plan: the taxplan score only measured DISTRIBUTION character. The user rightly noted that NAV appreciation is also a capital gain (LTCG on a >1y sale). The fund price files carry both series - Close = raw NAV with distributions paid out, Adj Close = total return reinvested - so the split is computable directly per fund (5y window + most-recent-12m payout). Findings: - ACCUMULATORS (>=50% of 5y return is price appreciation) get a new location "TAXABLE (accrues)": MBXIX 76% (0% payout 12m), ATESX 66%, LAMHX 62%, CVSIX 61%, candidate PBAIX 60% (0% payout 12m). For these the taxable account's LTCG-on-sale benefit is the dominant tax event. - PAY-OUT funds: HMEZX (99% of return distributed - the STCG merger- arb case), MERVX, COSIX, PMORX, SVARX, SCFZX, DMSZX, munis, credit. IRA placement stands. - Data artifacts caught: JLPSX/QSPNX one-time NAV gap events ~2022 (special distribution or reorg) skew the 5y payout average; the 12m payout column reflects current behavior. QCMMRX (MMF) series is not NAV-based - flagged. App: tax-location expander gains 5y price / 5y payout / 12m payout columns and the "TAXABLE (accrues)" filter. RESEARCH.md documents the capital-loss question: registered RICs cannot distribute net capital losses; the usable benefit is the fund's internal harvest reserve (low capital-gain distributions after up-years), which needs N-CSR/1099 history to verify. 97/32 suites green.
2868 lines
52 KiB
JSON
2868 lines
52 KiB
JSON
{
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"shortlist": {
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"ATESX": {
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"yrs": 5.63,
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"tot": 0.2816,
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"price": 0.1786,
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"payout_a": 0.0154,
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"payout_12m": 0.0,
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"appr_share": 0.657
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},
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"ATRFX": {
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"yrs": 5.63,
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"tot": 0.475,
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"price": 0.1622,
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"tot_a": 0.0715,
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"price_a": 0.0271,
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"payout_a": 0.0445,
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"payout_12m": 0.0038,
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"appr_share": 0.379
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},
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"COSIX": {
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"yrs": 5.63,
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"tot": 0.1211,
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"price": -0.1361,
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"tot_a": 0.0205,
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"payout_a": 0.0462,
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"payout_12m": 0.0505,
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"appr_share": -1.25
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},
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"CVSIX": {
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"yrs": 5.63,
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"tot": 0.3009,
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"price": 0.1766,
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"tot_a": 0.0479,
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"payout_a": 0.0185,
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"payout_12m": 0.0153,
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"appr_share": 0.613
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},
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"EAGMX": {
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"yrs": 5.63,
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"tot_a": 0.0602,
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"payout_a": 0.054,
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"payout_12m": 0.0697,
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"appr_share": 0.103
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},
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"EGRSX": {
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"yrs": 5.63,
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"tot_a": 0.0865,
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"payout_a": 0.0482,
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"payout_12m": 0.0747,
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"appr_share": 0.442
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},
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"JLPSX": {
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"yrs": 5.63,
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"tot": 1.2353,
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"price": 0.0831,
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"payout_a": 0.1392,
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"payout_12m": 0.0329,
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"appr_share": 0.093
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},
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"LAMHX": {
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"yrs": 5.63,
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"tot": 1.0391,
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"price": 0.5686,
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"payout_a": 0.0516,
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"payout_12m": 0.0584,
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"appr_share": 0.617
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},
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"MBXIX": {
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"yrs": 5.63,
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"tot": 0.6941,
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"tot_a": 0.0982,
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"payout_12m": 0.0,
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"appr_share": 0.756
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},
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"PMAIX": {
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"yrs": 5.63,
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"tot": 0.7861,
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"price": 0.2657,
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"tot_a": 0.1086,
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"payout_12m": 0.0718,
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"appr_share": 0.394
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},
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"PMFKX": {
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"yrs": 5.63,
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"tot": 0.8071,
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"price": 0.2613,
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"tot_a": 0.1109,
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"payout_12m": 0.0748,
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"appr_share": 0.38
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},
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"PMORX": {
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"yrs": 5.63,
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"tot": 0.3733,
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"price": -0.0347,
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"payout_12m": 0.0494,
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"appr_share": -0.108
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},
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"QSPNX": {
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"yrs": 5.63,
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"tot": 1.9707,
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"price": 0.5856,
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"tot_a": 0.2135,
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"price_a": 0.0854,
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"payout_a": 0.1281,
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"payout_12m": 0.0283,
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"appr_share": 0.4
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},
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"SVARX": {
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"yrs": 5.63,
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"tot": 0.2082,
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"price": -0.0499,
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"tot_a": 0.0342,
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"appr_share": -0.265
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}
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},
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"xcheck": {
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"AFLIX": {
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"yrs": 5.64,
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"tot": 0.1916,
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"payout_12m": 0.023,
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"appr_share": -0.32
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},
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"AGUAX": {
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"yrs": 5.64,
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"tot": 0.5966,
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"price": -0.0624,
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"tot_a": 0.0865,
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"price_a": -0.0114,
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"payout_a": 0.0979,
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"payout_12m": 0.1107,
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"appr_share": -0.131
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},
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"ANGLX": {
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"yrs": 5.64,
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"tot": 0.1345,
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"price": -0.1562,
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"tot_a": 0.0226,
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|
"price_a": -0.0297,
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"payout_a": 0.0523,
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"payout_12m": 0.0533,
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"appr_share": -1.312
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},
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"BTMIX": {
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"yrs": 5.64,
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"tot": 0.1083,
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"price": -0.0355,
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"payout_12m": 0.0308,
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"appr_share": -0.347
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},
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"COIAX": {
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"yrs": 5.64,
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"tot": 0.1953,
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"price": 0.0,
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"tot_a": 0.0321,
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"payout_12m": 0.0383,
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"appr_share": 0.0
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},
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"DMSZX": {
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"yrs": 5.64,
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"tot": 0.3256,
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"price": 0.001,
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"tot_a": 0.0513,
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"payout_12m": 0.0498,
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"appr_share": 0.003
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},
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"DULTX": {
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"yrs": 5.64,
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"tot": 0.1914,
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"price": -0.008,
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"payout_12m": 0.0414,
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"appr_share": -0.045
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},
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"EGRIX": {
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"yrs": 5.64,
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"tot": 0.5966,
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"price": 0.242,
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"tot_a": 0.0865,
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"price_a": 0.0392,
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"payout_12m": 0.0745,
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"appr_share": 0.453
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},
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"ETSIX": {
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"yrs": 5.64,
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"tot": 0.3141,
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"price": -0.0707,
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"tot_a": 0.0496,
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"payout_12m": 0.0736,
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|
"appr_share": -0.26
|
|
},
|
|
"FEMDX": {
|
|
"yrs": 5.64,
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"tot": 0.5196,
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|
"price": 0.209,
|
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"tot_a": 0.077,
|
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"price_a": 0.0342,
|
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"payout_a": 0.0428,
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"payout_12m": 0.0717,
|
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"appr_share": 0.444
|
|
},
|
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"FHCOX": {
|
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"yrs": 5.56,
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"tot": 0.2144,
|
|
"price": 0.0,
|
|
"tot_a": 0.0355,
|
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"price_a": 0.0,
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"payout_a": 0.0355,
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"payout_12m": 0.0433,
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"appr_share": 0.0
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},
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"FHMIX": {
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"yrs": 5.57,
|
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"tot": 0.1722,
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"price": 0.0,
|
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"tot_a": 0.0289,
|
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"price_a": 0.0,
|
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"payout_a": 0.0289,
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"payout_12m": 0.0396,
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"appr_share": 0.0
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},
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"HICOX": {
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"yrs": 5.64,
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"tot": 0.2391,
|
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"price": -0.0451,
|
|
"tot_a": 0.0387,
|
|
"price_a": -0.0081,
|
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"payout_a": 0.0469,
|
|
"payout_12m": 0.0452,
|
|
"appr_share": -0.21
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},
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"HMEZX": {
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"yrs": 5.64,
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"tot": 0.304,
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"price": 0.0015,
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"tot_a": 0.0482,
|
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"price_a": 0.0003,
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"payout_a": 0.0479,
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"payout_12m": 0.0517,
|
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"appr_share": 0.006
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},
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"LPXAX": {
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"yrs": 5.64,
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"tot": 0.2168,
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"price": -0.056,
|
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"tot_a": 0.0354,
|
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"price_a": -0.0102,
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"payout_a": 0.0456,
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"payout_12m": 0.0555,
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"appr_share": -0.287
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},
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"MERVX": {
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"yrs": 5.64,
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"tot": 0.2326,
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"price": -0.0452,
|
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"tot_a": 0.0378,
|
|
"price_a": -0.0082,
|
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"payout_a": 0.0459,
|
|
"payout_12m": 0.0766,
|
|
"appr_share": -0.216
|
|
},
|
|
"QCMMRX": {
|
|
"yrs": 5.64,
|
|
"tot": 0.1763,
|
|
"price": 0.1763,
|
|
"tot_a": 0.0292,
|
|
"price_a": 0.0292,
|
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"payout_a": 0.0,
|
|
"payout_12m": 0.0,
|
|
"appr_share": 1.0
|
|
},
|
|
"RCTIX": {
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|
"yrs": 5.64,
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"tot": 0.3063,
|
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"price": -0.0938,
|
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"tot_a": 0.0485,
|
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"price_a": -0.0173,
|
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"payout_a": 0.0658,
|
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"payout_12m": 0.0725,
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"appr_share": -0.357
|
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},
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"SAFEX": {
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"yrs": 5.64,
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"tot": 0.1814,
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"price": -0.002,
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"tot_a": 0.03,
|
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"price_a": -0.0004,
|
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"payout_a": 0.0304,
|
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"payout_12m": 0.0357,
|
|
"appr_share": -0.012
|
|
},
|
|
"SCFZX": {
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"yrs": 5.64,
|
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"tot": 0.3696,
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"price": 0.024,
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"tot_a": 0.0574,
|
|
"price_a": 0.0042,
|
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"payout_a": 0.0531,
|
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"payout_12m": 0.0521,
|
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"appr_share": 0.074
|
|
},
|
|
"USMSX": {
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"yrs": 5.64,
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"tot": 0.0998,
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"price": -0.005,
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"tot_a": 0.017,
|
|
"price_a": -0.0009,
|
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"payout_a": 0.0179,
|
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"payout_12m": 0.025,
|
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"appr_share": -0.052
|
|
},
|
|
"WMNUX": {
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"yrs": 5.64,
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"tot": 0.3022,
|
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"price": -0.0251,
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"tot_a": 0.048,
|
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"price_a": -0.0045,
|
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"payout_a": 0.0525,
|
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"payout_12m": 0.0191,
|
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"appr_share": -0.094
|
|
}
|
|
},
|
|
"candidates": {
|
|
"ABHYX": {
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"yrs": 5.64,
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"tot": 0.0708,
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"price": -0.1457,
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"tot_a": 0.0122,
|
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"price_a": -0.0275,
|
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"payout_a": 0.0397,
|
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"payout_12m": 0.0459,
|
|
"appr_share": -2.256
|
|
},
|
|
"ACFIX": {
|
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"yrs": 5.64,
|
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"tot": 0.2237,
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"price": -0.017,
|
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"tot_a": 0.0364,
|
|
"price_a": -0.003,
|
|
"payout_a": 0.0395,
|
|
"payout_12m": 0.0397,
|
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"appr_share": -0.083
|
|
},
|
|
"ACITX": {
|
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"yrs": 5.64,
|
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"tot": 0.0528,
|
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"price": -0.1711,
|
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"tot_a": 0.0092,
|
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|
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|
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"payout_12m": 0.0384,
|
|
"appr_share": -3.574
|
|
},
|
|
"ACTHX": {
|
|
"yrs": 5.64,
|
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"tot": 0.0484,
|
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"price": -0.1984,
|
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"tot_a": 0.0084,
|
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|
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"payout_a": 0.0469,
|
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"payout_12m": 0.0561,
|
|
"appr_share": -4.566
|
|
},
|
|
"AFLIX": {
|
|
"yrs": 5.64,
|
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"tot": 0.1916,
|
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"price": -0.0556,
|
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"tot_a": 0.0316,
|
|
"price_a": -0.0101,
|
|
"payout_a": 0.0417,
|
|
"payout_12m": 0.023,
|
|
"appr_share": -0.32
|
|
},
|
|
"AFTEX": {
|
|
"yrs": 5.64,
|
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"tot": 0.0535,
|
|
"price": -0.0954,
|
|
"tot_a": 0.0093,
|
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"price_a": -0.0176,
|
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"payout_a": 0.0269,
|
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"payout_12m": 0.0315,
|
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"appr_share": -1.898
|
|
},
|
|
"AGOVX": {
|
|
"yrs": 5.64,
|
|
"tot": 0.1333,
|
|
"price": -0.1178,
|
|
"tot_a": 0.0224,
|
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"price_a": -0.022,
|
|
"payout_a": 0.0444,
|
|
"payout_12m": 0.0496,
|
|
"appr_share": -0.98
|
|
},
|
|
"AGUAX": {
|
|
"yrs": 5.64,
|
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"tot": 0.5966,
|
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"price": -0.0624,
|
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"tot_a": 0.0865,
|
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|
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"payout_a": 0.0979,
|
|
"payout_12m": 0.1107,
|
|
"appr_share": -0.131
|
|
},
|
|
"AIDAX": {
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|
"yrs": 5.64,
|
|
"tot": 0.0633,
|
|
"price": -0.0679,
|
|
"tot_a": 0.0109,
|
|
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|
|
"payout_a": 0.0233,
|
|
"payout_12m": 0.0244,
|
|
"appr_share": -1.132
|
|
},
|
|
"ALCAX": {
|
|
"yrs": 5.64,
|
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"tot": 0.0567,
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"tot_a": 0.0098,
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|
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|
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"payout_12m": 0.0321,
|
|
"appr_share": -1.865
|
|
},
|
|
"ALGRX": {
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"yrs": 5.64,
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|
"tot_a": 0.193,
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|
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|
|
"payout_a": 0.0441,
|
|
"payout_12m": 0.091,
|
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"appr_share": 0.772
|
|
},
|
|
"ALNYX": {
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