[請益] Washsale to avoid dividend?
關於Dividend課稅的問題,固然有很多討論
但當然不參加Dividend就不會被課到稅了
最簡單的想法自然是ex-dividend date前賣掉,ex-dividend date再買回
缺點是總會有一段時間脫離市場
於是我就想
如果在ex-dividend date前換成substantially identical的標的
在ex-dividend date再換回來如何?
實驗的目標是SCHB,ex-dividend date是3/24
而Schwab可以免費交易的ETF中,RSP跟SCHB貌似差不多(?),而且ex-dividend是3/21
於是我在3/21
以market賣出238股SCHB後,盡速以market買入150股RSP
(差了幾分鐘吧,手機APP還是比較不順手)
接著在3/24
以market賣出150股RSP之後,以market買入238股SCHB
(這次大約差了30秒)
結果是:
3/21
sell SCHB*238: +10999.04
buy RSP *150: -11016.00
3/24
sell RSP *150: +10957.41
buy SCHB*238: -10883.50
======================================
+56.95
而SCHB的配息是0.2086,0.2086*238=49.6468
看來還是稍微賺到了點波動,RSP與SCHB可能也不是真的那麼substantially identical...
分析起來,這個操作的成本大概就是RSP跟SCHB的Bid-Ask spread
我買賣時的spread都是0.02,所以理論上是0.02*(150+238)=7.76
以49.6468*30%=14.89404來說,便宜一半左右
但spread要是變兩倍就呵呵了
Any opinion?
--
Theirs not to make reply
Theirs not to reason why
Theirs but to do and die
~~Alfred, Lord Tennyson
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