Compare scenarios
- Sell $60,000 of VTI, least tax first
- Buy $60,000 of VXUS
- Draw $25,000 on Maple Family Trust line
- Buy $25,000 of VTI in the pledged account
- Markets fall 30%
| After | Trim VTI by $60k into international | Draw $25k into VTI, then a 30% fall | B − A |
|---|---|---|---|
| Net worth | $2,414,326 | $2,050,247 | −$364,079 |
| After tax due | $2,412,229 | $2,050,247 | −$361,982 |
| Reachable in a week | $521,054 | $460,057 | −$60,997 |
| Tax due | $2,097 | $0 | −$2,097 |
| Tax if all sold | $262,240 | $211,865 | −$50,375 |
| Interest a year, net | $53,430 | $54,283 | +$853 |
| Income a year | $6,157 | $6,501 | +$344 |
| Largest position | 12.4% | 13.1% | +0.7 pts |
| Maple Family Trust line: used | 66.7% | 85.5% | +18.9 pts |
| Maple Family Trust second line: used | 0.0% | 0.0% | — |
Estimates from the same starting point; consequences only. Marked rows differ.