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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: 341

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: 26
Views: 2001

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: 671

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: 26
Views: 2001

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: 26
Views: 2001

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: 26
Views: 2001

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: 227

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: 932

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: 585

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: 1242

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: 29
Views: 2535

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: 276
Views: 44823

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: 2365

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: 2365

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: 1822

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: 793

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: 771

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: 771

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: 10323

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: 324

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: 3013

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: 1133

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: 750

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: 7140

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: 3534

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: 1990

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: 1990

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: 1990

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: 4691

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: 4691

Re: (Australia) index advice

Hi Gateway: MSCI is a major global provider of indexes. Here is the link: MSCI The Vanguard ETF tracks the MSCI World ex-Australia Index (with net dividends reinvested) in Australian dollars . The index provides exposure to approximately 1,500 large-cap and mid-cap companies listed on the exchanges ...
by Barry Barnitz
Sun Dec 21, 2014 6:39 am
 
Forum: Investing - Help with Personal Investments
Topic: (Australia) index advice
Replies: 8
Views: 989

Re: (Australia) index advice

Hi Gateway: Hopefully, our site's Australian members can give you more suitable advice, since they will have familiarity with Australia's tax system and best investing practices when dealing with ETF transactions. With this caution, here are two simple investment asset allocation strategies that are...
by Barry Barnitz
Sat Dec 20, 2014 4:55 am
 
Forum: Investing - Help with Personal Investments
Topic: (Australia) index advice
Replies: 8
Views: 989

Re: myRA is now open

Here are some of the key aspects of the MyRA: 1. The MyRA is an option for working individuals who do not have an employer-provided plan. The income-limits are: You earn less than $129,000 per year (less than $191,000 per year if you’re a married couple filing jointly) 2. The MyRA is technically a R...
by Barry Barnitz
Thu Dec 18, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 37
Views: 3683

Vanguard's stockpickers outperform.... [news article]

Hi: Vanguard's stockpickers outperform despite firm's passive push - Yahoo Finance UK Vanguard Group became the largest U.S. fund manager by assets by persuading investors that they don't need to pay for a stock picker. Yet a funny thing happened along the way: Most of the 30 active stock funds the ...
by Barry Barnitz
Wed Dec 17, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3637

Re: Why are high 401k fees maintained in competitive equilib

HI: News article, December 9, 2014 ---> 401(k)s Are Still a Problem, But They’re Getting Better | Money.com The typical 401(k) plan has 25 investment options, up from 20 in 2006, and the average worker in a plan has annual plan costs equal to 0.53% of assets, down from 0.65% of assets in 2009, accor...
by Barry Barnitz
Thu Dec 11, 2014 4:02 am
 
Forum: Investing - Theory, News & General
Topic: Why are high 401k fees maintained in competitive equilibrium
Replies: 46
Views: 2435

Re: Vanguard Wish List

I wish that Vanguard would put out LifeStrategy Funds with a tax exempt fixed income element in addition to Total Bond Market. 1210 Hi: Regulations require that a mutual fund must hold at least 50% of a portfolio in tax-exempt bonds in order for the fund to pass through the tax-exemption of dividen...
by Barry Barnitz
Wed Dec 10, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3139

Re: Pensions Provide Benefits at Half the Cost of 401Ks

Hi: The latest report on the underfunding of public defined benefit schemes----> Promises Made, Promises Broken 2014: Unfunded Liabilities Hit $4.7 Trillion > Publications > State Budget Solutions State Budget Solutions' latest research reveals that state public pension plans are underfunded by $4.7...
by Barry Barnitz
Thu Dec 04, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Pensions Provide Benefits at Half the Cost of 401Ks
Replies: 16
Views: 1599

Re: best performer - very similar index funds

Hi:

Vanguard makes the following types of funds ineligible for placement in tax-deferred or tax-free accounts:
1. Tax-managed funds (Capital Appreciation, Tax-Managed Small Cap, or Tax-Managed Balanced)
2. Tax-exempt bond funds

regards,
by Barry Barnitz
Wed Nov 26, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 22
Views: 2148

Why Bother With Bonds free Kindle download/Nov.21 - Nov.25

Hi: Many of you may be interested in reading Rick Van Ness's (aka stickman here on the forum) latest book, Why Bother With Bonds? (see Bogleheads • View topic - "Why Bother With Bonds" -- A Gem for Taylor Larimore's Gems post). Note that the Kindle version is now available at Amazon and wi...
by Barry Barnitz
Fri Nov 21, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bother With Bonds free Kindle download/Nov.21 - Nov.25
Replies: 26
Views: 3513

Re: Jane Austen's Economics

Hi: Thanks Black Jack. This was an early rendition of the paper, stripped of supporting notes. As I have time, I hope to revisit this work. At present I have two possible rectifications. 1. John Dashwood refers to his "stocks" having depressed value at the time of a land purchase. I am not...
by Barry Barnitz
Wed Nov 19, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17324

Re: Jane Austen's Economics

Hi:
Sorry folks. The papers were stored on google reader and have been lost.

regards,
by Barry Barnitz
Tue Nov 18, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17324

Re: Is my Tommy Lee Jones Approved Portfolio a disaster?

Hi: I have fashioned a google sheets document which groups your funds into sets of four ranked from least capital gains to highest. I have used an average Vanguard admiral shares expense ratio of 0.10%. I have totaled capital gains tax at a 27% rate (20% cap gains plus 7% state tax). I have totaled ...
by Barry Barnitz
Mon Nov 17, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my Tommy Lee Jones approved Portfolio a disaster?
Replies: 17
Views: 3371

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

HI:

A third article by Nora Morrison on the 2014 Bogleheads Conference ---> Retirement Isn't a Pipe Dream -- and Here's How to Make It Happen - TheStreet

Bogle, Sauter, Ferri, Lindauer,, Roth, Benz, Piper, Bernstein along with Gail Cox, and Eric Haban are quoted.

regards,
by Barry Barnitz
Sat Nov 01, 2014 5:32 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 73
Views: 9102

Re: Christine Benz ,Bogle Interview

Hi:

We have added an additional interview with William Bernstein ---> Bogleheads® 13 videos - Bogleheads.

regards,
by Barry Barnitz
Sat Nov 01, 2014 5:03 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 8
Views: 2415

Re: Christine Benz ,Bogle Interview

Common Sense Talk :happy http://www.morningstar.com/Cover/videoCenter.aspx?id=670432 Hi: For keeping a historical record of conference proceedings we devote a wiki page to interviews and video from the most recent meeting ----> Bogleheads® 13 videos - Bogleheads As more videos are released, the pag...
by Barry Barnitz
Wed Oct 29, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Christine Benz ,Bogle Interview
Replies: 8
Views: 2415

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Hi: Press article on Bogleheads 13---> A Visit to the Vanguard Mothership With the 'Bogleheads' - TheStreet , by Nora Morrison 10/25/2014. On Friday, the annual three-day meeting of the "Bogleheads" -- an online group dedicated to the low-cost index investing philosophy of Vanguard's found...
by Barry Barnitz
Sat Oct 25, 2014 5:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 73
Views: 9102

Re: First investment strategy meeting with new FA, $6M trust

I am not inclined to give out personalized investment advice, but the conversation about this situation appears to skirt the fundamentals of trust taxation. If income is left in the trust to be reinvested in the trust's mutual funds, this reinvested income will be taxable and must be paid by the tru...
by Barry Barnitz
Fri Oct 17, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 5067
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