Search found 1960 matches

Return to advanced search

Long-Term Care Utility and Late in Life Saving

Hi: Vanguard financed a new study on late life retirement savings patterns. According to this news article, Vanguard Answers a Retirement Riddle , by Kerry Pechter, Wed, Mar 18, 2015, Retirement Income Journal: There’s been a long-running debate about the tendency to hoard. Some experts believe that...
by Barry Barnitz
Sat Mar 28, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Long-Term Care Utility and Late in Life Saving
Replies: 0
Views: 174

Re: Vanguard index fund security lending in 2014

So Barry, forgive me for being a little slow, but I gather you are agreeing with JoMoney and Tanelorn above? So if lending income were high enough, the fund would still have an ER while it's overall returns could exceed its benchmark by more than the ER. Is this correct? Or are you contradicting Jo...
by Barry Barnitz
Tue Mar 24, 2015 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard index fund security lending in 2014
Replies: 23
Views: 1687

Re: Vanguard index fund security lending in 2014

Hi: Mutual fund expenses are paid for from fund income. For stock funds this includes: 1. Dividends received from stock holdings 2. Interest earned from cash balances 3. Security lending income If income is not sufficient to pay for the expenses, than the residual expenses must be paid by selling en...
by Barry Barnitz
Tue Mar 24, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard index fund security lending in 2014
Replies: 23
Views: 1687

Vanguard index fund security lending in 2014

Hi: As you may know, Vanguard equity index funds lend out portfolio securities to earn security lending income. Here is a tabulation of the funds' fiscal year security lending income as documented in annual reports. This is a posting on our site's replacement blog: Vanguard index fund security lendi...
by Barry Barnitz
Tue Mar 24, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard index fund security lending in 2014
Replies: 23
Views: 1687

Re: Experience with Vanguard Annuities?

Hi Nisi: Here is a quote from the FAQ from the insurance guarantee association from my state of residence: Q> Why hasn't my agent or company told me more about the Virginia Life, Accident & Sickness Insurance Guaranty Association? A> The law prohibits insurance agents and companies from using th...
by Barry Barnitz
Sat Mar 21, 2015 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Vanguard Annuities?
Replies: 46
Views: 3136

Re: Schwab Intelligent Portfolios [now live]

Hi: Bloomberg news article, with a Vanguard investor's tale, including a glance over of the Vanguard, Schwab, and robo-advisors platforms----> Vanguard, Charles Schwab Turn to Robo-Advising - Bloomberg Business , Margaret Collins. March 20, 2015. http://media.gotraffic.net/images/iY8F0GqK0mco/v1/-1x...
by Barry Barnitz
Fri Mar 20, 2015 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19725

Re: Vanguard - The New Bond King - WSJ

Hi:

Here is our wiki page with access to Morningstar links to investor returns for Vanguard indexed bond funds ---->Vanguard index fund investor returns - Bogleheads

Note that Morningstar compiles returns for only one-share class of a fund, in this case investor shares.

regards,
by Barry Barnitz
Thu Mar 19, 2015 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4288

Vanguard Price War Coming for Small Business Plans

Hi: News release from the WJS (use google search to read article) ---> Vanguard to Bring Price War to Small-Business Pensions Market - WSJ , by By Juliet Samuel March 17, 2015. Vanguard Group is bringing the investment price war to the small-business pensions market, according to its Chief Executive...
by Barry Barnitz
Thu Mar 19, 2015 3:30 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Price War Coming for Small Business Plans
Replies: 1
Views: 585

Re: Returns and Correlations on Global Stocks and Bonds

Hi: The US Vanguard international bond fund is most likely linked to a "proprietary" index-Barclays Global Aggregate ex-USD Float-Adjusted Index (Hedged)- carved out for them by Barclays. Good luck getting backdated annual data unless Vanguard Institutional provides it in a white paper. Ba...
by Barry Barnitz
Wed Mar 18, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Returns and Correlations on Global Stocks and Bonds
Replies: 4
Views: 511

Re: Which fund has the lowest MER ever?

Twins Fan wrote:What is a MER... is that like and Expense Ratio? :happy


The "expense ratio", as it is known to citizens of the U.S. goes by other names in other countries. See --> Expense ratios - Bogleheads, for the term used by Canadian, UK and Eurozone, and Australian investors.

regards,
by Barry Barnitz
Mon Mar 16, 2015 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Which fund has the lowest MER ever?
Replies: 11
Views: 862

Re: Finra raps UBS, Vanguard with fines totaling $850,000

What was the relationship between these "brokers" and Vanguard? Brokers that sold Vanguard mutual funds and ETFs to the public? Who were they support to report those liens or civil judgements do? Were these brokers that had done something bad to Vanguard, and Vanguard took them to court.....
by Barry Barnitz
Thu Mar 12, 2015 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2744

Finra raps UBS, Vanguard with fines totaling $850,000

Hi: News release, March 11, 2015: Finra raps UBS, Vanguard with fines totaling $850,000 Finra fined two firms a total of $850,000 this week, sending a message that brokerages need to be more diligent about disclosing their brokers' bankruptcies, civil judgments and other violations to regulators. Th...
by Barry Barnitz
Thu Mar 12, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2744

Re: Vanguard CRSP index fund turnover rates (2014)

Okay, got it. So where does an index based on CRSP fit in to the front running issue, particularly small cap stocks? Hi Hank: As memory serves, Gus Sauter produced an entry for the Journal of Indexes in 2002 outlining his practitioner perspective on index construction. This preceded Vanguard's adop...
by Barry Barnitz
Thu Mar 12, 2015 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard CRSP index fund turnover rates (2014)
Replies: 22
Views: 1191

Re: Vanguard CRSP index fund turnover rates (2014)

Hi: Academic studies on front-running: Petajisto, Antti, The Index Premium and its Hidden Cost for Index Funds (April 8, 2010). Yale SOM Working Paper No. 1235604. Available at SSRN: http://ssrn.com/abstract=1235604 or http://dx.doi.org/10.2139/ssrn.1235604 Abstract: This paper empirically investiga...
by Barry Barnitz
Thu Mar 12, 2015 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard CRSP index fund turnover rates (2014)
Replies: 22
Views: 1191

Re: Vanguard CRSP index fund turnover rates (2014)

Hi: Vanguard does not post daily fund holdings for its funds tracking CRSP and FTSE benchmarks. See Don’t Expect Daily Transparency in Vanguard ETFs , Chris Dieterich, Focus on Funds, Barron's, and linked WSJ article. Jonathan Burton reports for The Wall Street Journal that Vanguard doesn’t post the...
by Barry Barnitz
Wed Mar 11, 2015 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard CRSP index fund turnover rates (2014)
Replies: 22
Views: 1191

Vanguard CRSP index fund turnover rates (2014)

Hi: The just concluded 2014 fiscal year marked the first full year of results for Vanguard's U.S. stock index funds tracking CRSP indexes. One interesting result from the year's investment results is that the CRSP index funds had lower turnover rates than did the Vanguard stock index funds tracking ...
by Barry Barnitz
Wed Mar 11, 2015 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard CRSP index fund turnover rates (2014)
Replies: 22
Views: 1191

Re: Vanguard Target Retirement Funds

Hi: For concision of links: Forum discussion: Bogleheads • View topic - International increase in Target Retirement & LifeStrategy Blog postings: Vanguard Increases International Allocation to Target Retirement and LifeStrategy Funds - Oblivious Investor Vanguard announces changes to target reti...
by Barry Barnitz
Sat Mar 07, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds
Replies: 3
Views: 657

Re: How can I follow the mid-day progress of the 4500 comple

HI:

One minor correction. The Vanguard Extended Market Index Fund tracks the S&P Completion Index.

regards,
by Barry Barnitz
Thu Mar 05, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: How can I follow the mid-day progress of the 4500 completion
Replies: 4
Views: 463

Re: Vanguard Managed Payout to add new fund

Hi: News article from Investment News (not sure how long link will be accessible): Vanguard tiptoes into the liquid alternatives market The liquid alternative investments market has received an unlikely endorsement from low-cost indexing stalwart The Vanguard Group Inc. Some money managers and finan...
by Barry Barnitz
Wed Mar 04, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 2844

Re: Vanguard Employee Benefit Index Dividends

Hi: An increasingly common investment vehicle in 401-k plans is a Collective Investment Trust (CIT). See our site's replacement blog for an introduction to this type of investment ---> What is a Collective Investment Trust | Financial Page . Note that for a CIT: A CIT, unlike a mutual fund, does not...
by Barry Barnitz
Tue Mar 03, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Employee Benefit Index Dividends
Replies: 6
Views: 691

Re: Vanguard Managed Payout to add new fund

Hi: Link to Vanguard white paper: Liquid alternatives: A better mousetrap? , August 6, 2014. Investor and advisor interest in liquid alternative funds has increased dramatically in recent years, with more than 70% of their cash flows and 68% of new product launches coming since 2009. A new Vanguard ...
by Barry Barnitz
Sun Mar 01, 2015 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 2844

Re: Vanguard Managed Payout to add new fund

Hi: The full quote from the Statement of Additional Information indicates that the subsidiary is to used for commodity investments: Subsidiary Investments. The Alternative Strategies Fund may invest in a wholly owned subsidiary organized under the laws of the Cayman Islands. The Fund is the sole ben...
by Barry Barnitz
Sun Mar 01, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 2844

Vanguard Managed Payout to add new fund

Hi: News article. Feb. 27, 2015 : Vanguard to Diversify Managed Payout Offering with Liquid Alternative Investments Vanguard plans to further diversify the $1.6 billion Vanguard Managed Payout Fund by adding a new offering, Vanguard Alternative Strategies Fund. The firm filed a registration statemen...
by Barry Barnitz
Sun Mar 01, 2015 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 2844

Re: Target Retirement Trust?

Hi: The Target Retirement Trust is a collective investment trust. We have an explanations of these vehicles: Simpler post for general audience in the unofficial (transferred) forum blog--> What is a Collective Investment Trust | Financial Page . Here is the Vanguard Institutional page devoted to col...
by Barry Barnitz
Thu Feb 26, 2015 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Trust?
Replies: 1
Views: 230

Re: Bogleheads 2015 Annual Conference - Taiwan

Hi Verfasser: I have created a new wiki page for the impending conference. This can be updated once the conference is completed. I will need your help in providing Chinese reference links to book titles, etc.:happy Here is the page, in its development state ---> Taiwan Bogleheads 2015 conference - B...
by Barry Barnitz
Sat Feb 21, 2015 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Annual Conference - Taiwan
Replies: 8
Views: 994

Re: Staying Away from Annuities in 401(k)/How to Tell

Hi ae88: If you read the prospectus of the Vanguard Variable Insurance Fund - Diversified Value Portfolio (available for download from the Vanguard - Product overview - VVIF-Diversified Value --open the more link and click the statutory prospectus link), you will find that this is a fund exclusively...
by Barry Barnitz
Fri Feb 20, 2015 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Staying Away from Annuities in 401(k)/How to Tell
Replies: 6
Views: 602

Re: Variable Annunity ??

Hi:

Here is the link to the annuity webpage, which provides some information regarding this product, as well as a link to the prospectus; Riversource RAVA 5 Advantage VA.

regards,
by Barry Barnitz
Wed Feb 18, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annunity ??
Replies: 20
Views: 1268

Re: Improving the Lifestrategy Funds

If only could do muni bonds for taxable accounts. Hi LA: This request comes up frequently. The reason that Vanguard has only one balanced fund that includes muni bonds (the tax-managed balanced fund) is that regulations require that a mutual fund hold at least 50% of fund assets in muni securities ...
by Barry Barnitz
Tue Feb 17, 2015 4:59 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5277

Re: Vanguard sued for charging too little

Hi: News update, Feb. 13, 2015: Judge quizzes both sides in Vanguard whistleblower case New York Superior Court Judge Joan Madden grilled lawyers for Vanguard Group and for former Vanguard tax attorney turned whistleblower David Danon this afternoon before promising to consider Vanguard's request to...
by Barry Barnitz
Sat Feb 14, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 46328

Re: Wiki - For new investors: The Importance of Saving Early

Hi lackey:

The note I added includes a link to our blog posting on the long term global market real returns history. Here is the link included in the note --->Global investment portfolios

regards,
by Barry Barnitz
Wed Feb 11, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki - For new investors: The Importance of Saving Early
Replies: 27
Views: 2430

Re: Wiki - For new investors: The Importance of Saving Early

HI:

I added a note regarding the historical record of global investment real returns (between 3% -4%) , with a link to our site's unofficial (transferred) blog post discussing global investment portfolios.

regards,
by Barry Barnitz
Wed Feb 11, 2015 4:57 am
 
Forum: Investing - Theory, News & General
Topic: Wiki - For new investors: The Importance of Saving Early
Replies: 27
Views: 2430

Re: Father passed away/Getting taking advantaged of by inves

Hi:

Condolences on the loss of your father. The site's unofficial transferred blog has an entry that discusses your inherited IRA. Here is the link:Inheriting an IRA if you are not a spouse.

regards,
by Barry Barnitz
Tue Feb 10, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father passed away/Getting taking advantaged of by investor?
Replies: 17
Views: 1902

Re: Recently widowed sister-in-law's investment confusion

Hi:

You might find our wiki page on unit investment trusts to be a helpful introduction: Unit investment trusts -Bogleheads.

regards
by Barry Barnitz
Fri Feb 06, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently widowed sister-in-law's investment confusion
Replies: 8
Views: 802

Re: Forum closed. Active content now on the Wiki

The following outline will direct you to the wiki pages that have superseded former reference library posts. Table of Contents I. References See the category : Reference material - Bogleheads A. Investing For Beginners: See Getting started B. Books: See Books: recommendations and reviews C. Taylor L...
by Barry Barnitz
Tue Feb 03, 2015 10:43 pm
 
Forum: Wiki and Reference Library
Topic: Forum closed. Active content now on the Wiki
Replies: 1
Views: 997

Forum closed. Active content now on the Wiki

This forum is no longer maintained.

This forum has been superseded by the Bogleheads® wiki. The topics posted here are for archiving purposes; links are no longer maintained
by Barry Barnitz
Tue Feb 03, 2015 10:32 pm
 
Forum: Wiki and Reference Library
Topic: Forum closed. Active content now on the Wiki
Replies: 1
Views: 997

Re: Wiki comments requested: The importance of asset allocat

Hi:

Our site's transferred blog entry on the principle of "Saving early and often"--->The advantages of investing early and often.

regards,
by Barry Barnitz
Tue Feb 03, 2015 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10601

Re: Help choosing investments for Lincoln Financial 403(b)

Hi: For what it is worth, here is a life story from my personal experience. Quite a few years ago, an old friend of mine, a high school math teacher, mentioned his 403-b account with the school district. He became quite interested when I told him (this was possible at this time) that he could transf...
by Barry Barnitz
Fri Jan 23, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help choosing investments for Lincoln Financial 403(b)
Replies: 7
Views: 346

Re: Ethics of an advisor "handing you off" to a colleague

niceguy7376 wrote:
DeerRunner wrote:There shouldn't be a cost impact (cap gains) since these are 529 and Roth funds.


You had an advisor for a 529 fund? Which state 529 is this that has a load fees funds?


Hi:

Many states offer broker-sold 529 plans . See this sorted search: Broker-sold plans.

regards,
by Barry Barnitz
Wed Jan 21, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 3024

Burton Malkiel interview

Hi:

Burton Malkiel inteview, including opinions on Vanguard: exchange-traded funds; Vanguard as activist investor; management compensation. Link----> 'Random Walk' Malkiel on rates, risk, and why Vanguard changed.

regards,
by Barry Barnitz
Thu Jan 15, 2015 6:01 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel interview
Replies: 12
Views: 1148

Legends of Indexing

Hi: The editors of etf.com have been posting an on-going series of interviews with a number of individuals who have been instrumental in the development of indexes and indexed investing. Here are the interviews, listed in sequential order. 1. Legends Of Indexing: John Bogle | ETF.com , Vanguard's fo...
by Barry Barnitz
Thu Jan 08, 2015 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Legends of Indexing
Replies: 1
Views: 755

Re: New Vanguard AMT-free National Municipal Bond Fund

Does anyone think there is a chance that Vanguard will merge their existing Long-Term Muni Fund into this one? Or instead keep this new fund as an "intermediate term" fund to compliment the existing long-term (VWLTX), limited term (VMLTX), and short term (VWSTX) options? IMHO it is more l...
by Barry Barnitz
Tue Jan 06, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7392

Re: Jason Zweig: Lessons learned from the year of surprise

Hi:
The first comment:

In 2015, the market will go up, down or stay about the same. I am more than 99% confident but withholding the remaining small % for the long chance that the market will disappear.
by Barry Barnitz
Tue Dec 30, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Lessons learned from the year of surprise
Replies: 18
Views: 3557

Re: ABLE ACT (529 for disabled) now law.

Hi:

Here is another blog posting on the 529-A---> Enactment Imminent for Section 529A Tax-Exempt Savings Programs for Disabled Beneficiaries.

Note that the Treasury and the IRS will have 6 months to add regulatory interpretation of the law.

regards,
by Barry Barnitz
Tue Dec 30, 2014 4:38 am
 
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2016

Re: ABLE ACT (529 for disabled) now law.

Howdy folks, It seems congress has passed (and obama has signed ), a new law which provides for a 529 like law for people with disabilities. Some highlights gleaned from google, and the bill : Up to 14k / year can be contributed. Beneficiary must have had the disability prior to age 26. Contributio...
by Barry Barnitz
Mon Dec 29, 2014 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2016

Re: ABLE ACT (529 for disabled) now law.

An ABLE account can also impact Social Security Supplemental Income: "(b) Suspension of SSI Benefits During Periods of Excessive Account Funds.-- (1) In general.--The benefits of an individual under the supplemental security income program under title XVI of the Social Security Act shall not b...
by Barry Barnitz
Mon Dec 29, 2014 6:38 am
 
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2016

Re: Why Vanguard Pacific fund tanks when Pacific markets soa

Hi: Mutual funds calculate the end of day NAV at 4:00 p.m. New York Time. For international funds, the calculations for are based on the closing prices set in the home European or Asian markets. These prices are 5 to 13 hours old. If news arrives in the interim, that suggests the strong likelihood t...
by Barry Barnitz
Fri Dec 26, 2014 3:17 am
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard Pacific fund tanks when Pacific markets soar?
Replies: 26
Views: 4700

Re: Why Vanguard Pacific fund tanks when Pacific markets soa

Hi abyan:

With international stock funds Fair value pricing is often the reason for differences in daily return discrepancies between a fund and its tracking index. See Fair value pricing - Bogleheads, as well as Vanguard - Performance - Pacific Stock Index Inst.

regards,
by Barry Barnitz
Mon Dec 22, 2014 1:40 am
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard Pacific fund tanks when Pacific markets soar?
Replies: 26
Views: 4700
Next

Return to advanced search