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Re: Query re Vanguard letter urging brokerage account by Nov

He stated that they are still working on transitioning accounts for Flagship clients. I'm thinking if I was in charge, I would start small and simple and get bigger. Oh great, since we are in the middle I guess we get transitioned in ~2019 when our next TIPS ladder matures. :annoyed Yea but by 2019...
by Angst
Sat Oct 25, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Query re Vanguard letter urging brokerage account by Nov. 14
Replies: 20
Views: 1767

Re: new interesting piece by Asness on hedge funds

I think it's a comparison btw: 1) Taking $1,000, getting $1,000 worth exposure to two different forms of factors for a cost of $1000 x 1.4% = $14 vs. 2) Taking $2,000, getting $1,000 worth exposure to two different forms of factors for a cost of ($1000 x 0.7%) x2 = $14. The first choice requires com...
by Angst
Sat Oct 25, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 19
Views: 1020

Re: Need help - selling stocks and buying funds today

1. IRA Rollover - We are selling all of the individual stocks and buying VTIAX (Total International Admiral Shares) and VBTLX (Total Bond Admiral Shares). It is my understanding that the mutual fund shares are priced at the end of the day? With the volatility in the market, how do I time these trad...
by Angst
Fri Oct 24, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - selling stocks and buying funds today
Replies: 6
Views: 465

Re: Query re Vanguard letter urging brokerage account by Nov

Toons wrote:Thanks for the info!

+1 :happy
That should allay some fears.
by Angst
Thu Oct 23, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Query re Vanguard letter urging brokerage account by Nov. 14
Replies: 20
Views: 1767

Re: "Vanguard converting mutual fund accounts to brokerage?

Personally, I look forward to making the switch. I wish they'd let me do it now. I don't like having to wait for an ETF sale to clear to reinvest the proceeds in a mutual fund.
by Angst
Thu Oct 23, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8962

Re: Query re Vanguard letter urging brokerage account by Nov

I'd suggest just giving them a call. It might be easier and more quickly to the point than pursuing this thread.
by Angst
Thu Oct 23, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Query re Vanguard letter urging brokerage account by Nov. 14
Replies: 20
Views: 1767

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

It will likely be several years before IRA limits are raised to $6000. IRS rounds the IRA limit in increments of $500. 2014 the official number was $5610 ($5500 limit) so based on the new 2014 inflation estimate of 1.7%, 2015 # raises to $5705 (5500 limit). It would likely would take 2.5% inflation...
by Angst
Thu Oct 23, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 34
Views: 4425

Re: Hedge CDs with long-term Treasurys?

Depending on how much you're planning on buying, I would think EE Savings Bonds would look more appealing for an individual U.S. investors at today's rates. The fact that the EE Savings Bonds are guaranteed to double in 20 years means if you hold onto them for that length of time your effective rat...
by Angst
Thu Oct 23, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge CDs with long-term Treasurys?
Replies: 8
Views: 641

Re: Importing yields from treasury.gov into Google spreadshe

That doesn't look like any XML I've seen in the references/examples I've learned from, and I can't find an xpath_query that works with it. Ideas? Thanks, Kevin hopefully there's someone here with xml experience who can help. i saw those differences too and just figured/hoped they were something eas...
by Angst
Thu Oct 23, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 851

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

auction yield was 0.985%. actually relatively close to the 1% i was hoping for this morning. thanks grok, and it looks like the TD auction results show that with an adjusted price of 112.167585 and an adj accrued interest/$1,000 of $2.93636, each $1,000 will cost $1,124.61 (i trust #cruncher will l...
by Angst
Thu Oct 23, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6477

Re: Importing yields from treasury.gov into Google spreadshe

Thanks Angst! I'll play around with it and see if I can get it to work for me. How did you find this? Kevin Don't kick yourself, but it's right there on the yield curve page: http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yieldYear&year=2013 :h...
by Angst
Thu Oct 23, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 851

Re: Importing yields from treasury.gov into Google spreadshe

I cannot find the xml files for years 2011 through 2014. Does anyone know where they are??? Kevin, I believe this will get you the data you want for 2011- present. It's not as nicely formatted though as in the xml you found. The dates throughout the year jump around, contrary to your file in which ...
by Angst
Wed Oct 22, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 851

Re: buy Ibond this month or next?

I'd buy now. I don't imagine the fixed rate going up, but I can imagine it going down. Zero is the limit (no negative numbers), which of course is a plus for I Bonds vs. TIPS
by Angst
Fri Oct 17, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: buy Ibond this month or next?
Replies: 7
Views: 1144

Re: Your personal risk level: Got your flu shot yet?

I got mine yesterday. It's a requirement of employment, not that I wouldn't have wanted to get it anyway.
by Angst
Wed Oct 15, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2969

Re: New case of Ebola in U.S.: Is it the latest market headw

I'm sure it's affected it in some way. There are those who believe the end is neigh. https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSzFUFJkqYp9OUaEgRUjiG91v6asUTRz_CZyoA9OkT-LwVBfLiD Because each week the news has gotten worse... <snip> Two developed countries have ended up with healthcare w...
by Angst
Wed Oct 15, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1298

Re: is anything 'cheap' out there?

1) ibonds are cheap at 0% real rate, short term tips rates are negative 2) 5 year penfed cds are cheap @2.12% yield vs. 5 year treasury @1.56% 3) commodities have gotten cheapish. silver is at a 4 year low. Agreed, and I might add: 4) "20 year" ee bonds are cheap at 3.53% nominal, 20-yr t...
by Angst
Wed Oct 15, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5501

Re: Headed for a 300+ point loss today?

denovo wrote:Oh, no the sky is falling. With today's losses; we are where the market was at the beginning of 2014.

Perhaps the equity market is, but I wish rates were where they were at the beginning of 2014. And they were supposed to only be able to go up! :oops:
by Angst
Wed Oct 15, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28451

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

mptf, I think I understand your perspective and it makes sense to me. My ladder will accommodate only about 20% of my expected annual needs. I too have some fear of both unexpected events as well as simply the locking in of money into low yield LT TIPS. It's important to find a balance between the v...
by Angst
Wed Oct 15, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6477

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

At the end of the day, what you're after is a guaranteed income flow. It's true that at the end of a 20-year TIPS ladder, the money is gone. However, I have no intention of putting all of my money in a TIPS and I will extend the "floor" with either excess earnings or buy a SPIA. ADr, I th...
by Angst
Tue Oct 14, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6477

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

However, I've decided that the life cycle approach has merit and slowly started building a floor for retirement since it's about 10 years away. If you buy an annuity to fund all or part of your retirement there is some "insurance" cost that you pay to the annuity company to cover the risk...
by Angst
Tue Oct 14, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6477

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

grok87 wrote:secondary market yield now is 0.888%

at this point we'll be lucky to get 0.90% yield at auction.

I am still planning on buying at these levels...

things are kinda volatile right now. rates might be better by next week.
this morning, the 10 year T is down 8 points. :?
wait, now it's just 7.
by Angst
Tue Oct 14, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6477

Re: Why Hold Cash in Retirement Account

No good reason for me (not in retirement yet either), in addition to dividends from taxable I have my salary coming in. Nonetheless, even in retirement, I would never look at cash as a % of my holdings; I'd look at it as a fixed (and probably small) amount I felt was necessary. I consider MM and sho...
by Angst
Wed Oct 08, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why Hold Cash in Retirement Account
Replies: 21
Views: 1652

Re: Vanguard Brokerage Account for TIPS purchase?

#Cruncher wrote:* I believe Vanguard has lowered the minimum purchase to $1,000.

Yes, this is correct.
by Angst
Wed Oct 08, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account for TIPS purchase?
Replies: 6
Views: 607

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

Day9 wrote:SOMEONE TELL ME WHERE I CAN GET MY HANDS ON 30 YEAR NEW ZEALAND GILTS!

Yeah, that's something. Anyone understand what's going on here?
by Angst
Wed Oct 08, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 982

Re: Nursing School: Student loans or retirement

I don't mean to be presumptuous, but my first reaction is that you should be sure you want to go into nursing! I know of many people, particularly over 40 yo who have done just what you're doing, later in their career and have found nursing to be too much to handle. Floor nursing can be brutal, both...
by Angst
Mon Oct 06, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2425

Re: TLH Partner for VXUS

Has anyone here actually gone through an audit with these kinds of transactions and not had any problems?
by Angst
Thu Oct 02, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Partner for VXUS
Replies: 17
Views: 817

Re: Will you invest in Bill Gross's new bond fund?

If ever I were going to invest in a fund specifically because Bill Gross was its manager, I suppose now would be the time. He's no longer shackled to a gargantuan fund monster and will probably feel like a kid in a candy store. Surely he has a lot to prove and personal incentive to make it a big suc...
by Angst
Tue Sep 30, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2884

Re: Oatmeal suggestions

There are many articles on instant vs. old-fashioned, but here's one that got right to the point: http://myfulllifenutrition.com/2013/12/30/heart-health-3-dangers-of-instant-oats/ Thanks Fallible - This is a good link for anyone interested in the potential healthfulness of oatmeal products in parti...
by Angst
Tue Sep 30, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Oatmeal suggestions

i think livesoft is on to something here. and, if you just swap out the oats for a whole banana, what you're gonna end up with is something like a banana split, for breakfast! mmm, sounds pretty good... and now, suddenly, i seem to have a craving for frosted flakes and fractured fairy tales. drizzle...
by Angst
Tue Sep 30, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Oatmeal suggestions

Sounds interesting but since the uncut oats already take an hour to cook, I think I might starve to death waiting for something that takes twice as long! By the way, the instructions at Whole Foods for cooking uncut oats are wrong. You need 4 cups of water per cup of oats, not 3; otherwise they get...
by Angst
Tue Sep 30, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Oatmeal suggestions

I use uncut whole groats from (where else?) Whole Foods. They are cheaper than the other types and taste/feel just as good, although the cooking is even longer than with steel-cut oats. Me too. I find Whole Foods generally quite pricey, but when it comes to bulk foods they're fairly Bogleheadish. T...
by Angst
Tue Sep 30, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Oatmeal suggestions

It's healthy, right? Well, sure, but everything is relative. Are you speaking of "instant" oatmeal? Or maybe "quick oats"? Or maybe what's known as "old fashioned" oat flakes? "Steel cut" oats have also been mentioned. And no one has brought up "oat groa...
by Angst
Tue Sep 30, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Buy PCRIX today?

PCRIX is selling at near half of the original price of the opening shares of the fund. You can pretty much say the same thing about VWEHX - Vanguard High Yield Corporate Fund. The point is, without considering dividends, capital gains/losses and return of capital, price alone can be fairly useless,...
by Angst
Tue Sep 23, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2661

Re: Are SPIA's fairly priced? - A quick and dirty analysis

Thanks bobcat2, too! The whole question seemed too obvious not to have already been addressed. And I like the results. SPIA's seem to be a fair deal, if not necessarily a "good" deal for everyone. I for one would imagine seriously considering them in a couple more decades as I approach my ...
by Angst
Mon Sep 22, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3654

Re: Are SPIA's fairly priced? - A quick and dirty analysis

While we do not know our lifespan, the insurance company, because of the Law of Large Numbers, does know, to a high degree of accuracy, the lifespan of its pool of annuitants. They are willing to take our longevity risk because it isn't actually a risk to them at all. That profound asymmetry is why...
by Angst
Sat Sep 20, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3654

Re: Buy PCRIX today?

heartwood wrote:What's PCRIX?

PIMCO Commodity Real Ret Strat Instl PCRIX
by Angst
Fri Sep 19, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2661

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks jaab for your references, quotes and comments. I got through sidenote #1 yesterday and some of its pdf references. It's a bit more than I'm able to fully digest, but I gathered the gist of much of it and found it interesting. It certainly reinforces my inclination to take HML (and really fact...
by Angst
Thu Sep 18, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2793

Re: LifeStrategy Growth vs Three / Four Fund

Hmm I come up with $17 per 10K of the LifeStrategy Growth Fund but $17.62 when I price out the individual funds inside. But you are right the cost goes down to $8.84 per 10k when you factor in Admiral funds. So there is the answer And as soon as you can qualify for Admiral status on even just the l...
by Angst
Wed Sep 17, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Growth vs Three / Four Fund
Replies: 9
Views: 973

Re: Feeling smug until 10 year ROR from Vanguard

If it's not an IRR - then it really isn't the snapshot of actual returns that the OP seems to think it is. Below Vanguard's performance graph and off to the right side, Vanguard has a link " See how we calculate performance " which states: Calculation method. Personal performance uses a f...
by Angst
Wed Sep 17, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7777

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks Larry,
I appreciate your responses and I've gotten a lot out of this thread.
Angie
by Angst
Wed Sep 17, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2793

Re: Vanguard's Website - Bad, or just me?

In regards to the OP, automatic rebalancing strikes me as problematic. Do any of the likes of Fidelity, TRowe, TDAmeritrade, etc. offer it? TIAA seems somewhat like an unfair comparison. E.g., my 401k is with Vanguard and we DO have automatic rebalancing. Well, I think you have to make it do it ever...
by Angst
Wed Sep 17, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2434

Re: Vanguard's Website - Bad, or just me?

Welcome bmorgy! Yes it's a little sad, but maybe you can just consider it a part of the price of admission? :? Functionality and usefulness (or lack thereof) aside, beware in particular of some of the Vanguard reports that purport to "analyze" your data and accounts. I simply don't bother ...
by Angst
Wed Sep 17, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2434

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thank you jaab,
that's really helpful information. I appreciate it.
Angie
by Angst
Tue Sep 16, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2793

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Don't know if this will help but .. First, value investing is about buying assets with low prices to some metric Second, financial economists have tested many common metrics like p/b, p/c, p/s, p/d, p/e, p/ebitda, etc. They all show value premiums, differing in size depending sometimes on the time ...
by Angst
Tue Sep 16, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2793

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

^ No worries Angst! I find that it's easy to lose track of threads myself. HML is the most popular definition of value in the literature. But my impression is that this choice is mostly arbitrary. We could just as well definite the value factor using cashflow or earnings or dividends instead of boo...
by Angst
Tue Sep 16, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2793

Re: Wake up, Vanguard: It ain't 1976 anymore!

I don't think this has anything to do with Vanguard keeping or not keeping pace with technology. I think you're expectations are unrealistic for a variety of reasons. For example, if you closed and/or opened an account in the last 10 years, why would Vanguard track it? How would they? Is it even po...
by Angst
Sun Sep 14, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7777

Re: Should I put money in HSA account if health care is cove

As grabiner said, an HSA is a great retirement savings account, better perhaps than anything else b/c it's tax deductible going in and untaxed coming out. If you really do have an HSA, rather than an FSA or something else, I'd suggest you go to our Wiki and familiarize yourself with the HSA details....
by Angst
Sun Sep 14, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I put money in HSA account if health care is covered?
Replies: 5
Views: 777

Re: Share your Hot-Rod Portfolio

Ok pk,
forgive me, but here comes my Dizzy Dozen:

20% Total Stock
10% Extended Mrkt
5% VBR SC Value
5% PXSV SC Value
5% RZV SC Value

20% Total Int'l
10% SmCap Int'l
5% DSL Int'l SC Value
5% EWX EM SC
5% DGS EM SC Value

5% REIT US
5% REIT Int'l
by Angst
Sat Sep 13, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4332

Re: Wake up, Vanguard: It ain't 1976 anymore!

We should not have to import everything into our own spreadsheets in order to ask questions about and play with the data in our Vanguard accounts. It ain't 1976 anymore! Wait, why shouldn't you? Where would they get your data going back to the 70's from? They certainly aren't going to go to the eno...
by Angst
Sat Sep 13, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7777
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