Search found 855 matches

Return to advanced search

Re: Vanguard Personal Advisor Services

TFB (see post above) has tried and written about this service on his blog: http://thefinancebuff.com/vanguard-financial-plan-review-consultation.html . Are you sure? I thought what The Finance Buff was covering in that link was Vanguard's Financial Plan Service. Personal Advisor Services involves V...
by EyeDee
Sat Apr 19, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4102

Re: Asset allocation over time

Target date funds shift the AA by 5% every 5 years, so that's what I do :) . It has been a few years since I spent considerable time studying Vanguard's shifting of Target Date funds, but at that time they did the shifting a little all the time not just every 5 years. The different funds are 5 year...
by EyeDee
Thu Apr 17, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1230

Re: Favorite Investing Book?

.
"Bogle on Mutual Funds: New Perspectives for the Intelligent Investor" by John C. Bogle is far and away my favorite investing book.
by EyeDee
Tue Apr 08, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3269

Re: My husband is receiving $2.31M for selling his company.

.
Congratulations! Yes to maxing out your 401k's if they have reasonable options and costs, otherwise you may only want to invest enough to get maximum match. See this conversation on how to post some additional details:

viewtopic.php?f=1&t=6212
by EyeDee
Sun Mar 30, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: My husband is receiving $2.31M for selling his company. What
Replies: 15
Views: 3417

Some other considerations

. SirWired, Remember that one of the advantages of Target Retirement funds is the automatic rebalancing. Also remember the total bond fund within the Target Retirement funds has a 0.12% expense ratio since it is a special "investor" share of an institutional fund "Available only as an...
by EyeDee
Sat Mar 29, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Make sense to switch from TR to Adm Index?
Replies: 9
Views: 651

Large Cap

. If you truly want a Vanguard index blend fund that is as much large cap as possible, you probably should be looking at Vanguard's Mega Cap fund. Unfortunately, it does not come in Investor or Admiral shares. It is only available in Institutional and ETF. The ETF symbol is MGC. Morningstar lists it...
by EyeDee
Tue Mar 25, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 4281

Re: When the "very best" fail, should you be trying

I see comments blasting seekingalpha on all of larry's recent articles. What is so hard about using a throw away email address? Use something like . . . For the rest of forum members, if you want to read the complete articles, you can open an account , I have never received a single spam email from...
by EyeDee
Fri Mar 21, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: When the "very best" fail, should you be trying
Replies: 12
Views: 1530

Re: Downloading List of stocks in a fund?

. If you want the actual list of what is in the Vanguard fund you can download its annual report from Vanguard's web site in PDF form. For many of the funds the holdings are listed in the report and for the reports in which the actual holdings are only summarized in the printed version because the l...
by EyeDee
Sat Mar 15, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Downloading List of stocks in a fund?
Replies: 9
Views: 674

Expense growth in retirement

It's true that for many expenses decline in retirement...then there are those who need round the clock care in their final months/years. You might not want to mow your own lawn, fix your own meals, or drive your own car in later retirement. The elephant in the room is out-of-pocket health-related i...
by EyeDee
Fri Mar 14, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Who cares about inflation in retirement?
Replies: 55
Views: 3765

Caller ID & Do-not-call Lists

likegarden wrote:This is only helping people who pick up any phone call. Cold calling does not work when people look at the phone callers ID first and do not pick up phone calls from people they do not know.
.
Some of us do not pay for the cost of having caller ID, so do-not-call lists are very helpful.
by EyeDee
Fri Mar 14, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1558

Re: Vanguard Minimum Investment Question

. Does anyone know what happens if the fund does not have an Investor share class such as a bond index sector fund? That is news to me. I was under the impression that all Vanguard mutual funds have an Investor share class. However, all Vanguard mutual funds may not have Admiral shares. . I believe...
by EyeDee
Wed Mar 12, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1683

Re: Vanguard Minimum Investment Question

.
Does anyone know what happens if the fund does not have an Investor share class such as a bond index sector fund?
by EyeDee
Wed Mar 12, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1683

Re: pension and social security as "bonds"

Randy, And has he coupled that with his recommendation of an Asset Allocation of "age in bonds"? L. . Leeraar, Yes, along with several other recommendations which generally recommend even more in stocks. Please see my post: http://www.bogleheads.org/forum/viewtopic.php?p=1366462#p1366462 ...
by EyeDee
Fri Feb 28, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: pension and social security as "bonds"
Replies: 56
Views: 2955

Re: pension and social security as "bonds"

My opinion is that since current bond yields are so low, people are stretching for reasons to increase allocations to stocks. Including our Saint Jack. L. . Actually Mr. Bogle has been advocating looking at Social Security and pensions as bond like for at least 20 years - see Page 268 of his book &...
by EyeDee
Fri Feb 28, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: pension and social security as "bonds"
Replies: 56
Views: 2955

Both Difficult

. Not dealing with Blue Shield but having problems with getting cards from a different insurer. We also had considerable problems with the government site since we signed up using the federal site in October. However, dealing with the insurance company is starting to get as frustrating and definitel...
by EyeDee
Tue Jan 07, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: signing up for ACA was easy but then ....
Replies: 5
Views: 954

Re: Help Choosing a ACA Plan

How do you tell the difference? Does it specify in the plan? . I think the federal site might only give the family total. I spent considerable time reviewing the plans on the insurance sites while stuck at various points on the government site. The plan information on the insurance sites had more d...
by EyeDee
Thu Nov 14, 2013 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Choosing a ACA Plan
Replies: 51
Views: 2411

Re: Help Choosing a ACA Plan

A lot of people talk about '$6K individ/ $12K family' deductibles when they are talking about families plans on the ACA. I was told by an insurance agent that if you have a family plan, the *family* deductible/OOP max applies even if only one "individual" gets sick/needs care. In other wo...
by EyeDee
Wed Nov 13, 2013 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Choosing a ACA Plan
Replies: 51
Views: 2411

Re: Medicaid and the ACA tax credit

After the fact, I called Colorado's help line to check my reasoning, and the phone rep told me I can't get a credit, even on my tax return, unless I apply for and am denied Medicaid coverage. Is this true? . For the states using the federal site you only have be concerned about Medicaid if your inc...
by EyeDee
Sun Nov 03, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid and the ACA tax credit
Replies: 23
Views: 1271

ACA Income and Ins Co Verfication Questions

. For the ACA applications done in 2013 for 2014, the healthcare.gov site tries to use the tax return you filed in 2012 to calculate your estimated income for 2014. Does anyone know if the renewals that will be done in October 15 through December 7 of 2014 for 2015 will use your 2013 income tax retu...
by EyeDee
Sat Oct 26, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Income and Ins Co Verfication Questions
Replies: 2
Views: 301

Family income vs individual income

Randy, Thanks for sharing!!! Your supposition about first-named taxpayer absolutely makes sense to me. Even more so for me, since Social Security probably doesn't even recognize me as a married person (I kept my maiden name). Plus I have almost no work history. (so, no Medicare for me, ever.) Meanw...
by EyeDee
Sun Oct 13, 2013 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another ACA question - family income vs individual income
Replies: 51
Views: 1985

Re: Family income vs individual income

. BarefootJan, If I follow your situation correctly, we ran into a very similar problem. It appears to be a computer programming error, where the program does not properly take into account joint income. Since we are both out of work and living off of our savings, we split our income equally across ...
by EyeDee
Sun Oct 13, 2013 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another ACA question - family income vs individual income
Replies: 51
Views: 1985

Re: Vanguard Joint Account Access

Our joint accounts were linked by VG to our respective user IDs. We can both see everything in the joint, including the statements. Both of us can transact on the joint accounts. . Do you have a Household statement listed for both? We only have it listed on the userid set up for the first name on t...
by EyeDee
Tue Oct 08, 2013 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 396

Re: Vanguard Joint Account Access

go to account maintenance --> account permissions and see if this is what you are trying to do. my spouse and i can each see (and transact on) all of our accounts (individual and joint) except for those that are employer provided (401k, 403b, etc...) I'm not sure I follow you. My wife and I both ha...
by EyeDee
Tue Oct 08, 2013 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 396

Vanguard Joint Account Access

. In the past, some people on this board have been very emphatic that one should not share Vanguard account/password information with one's spouse, even if have cross authorization set-up. For those people I have a question: Since household statements access, some printing options, and E-Mail addres...
by EyeDee
Tue Oct 08, 2013 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 396

Vanguard's 2006 TR Letter

. . . Now, it is obvious that neither Vanguard nor Fidelity promised anything specific , either about what the funds would do (let you retire) or how they would do it (prudently decrease risk with age), and it is also obvious that the change wasn't secret. But in 2006, did Vanguard send every Targe...
by EyeDee
Mon Sep 30, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity target date funds pile on stocks
Replies: 65
Views: 4406

Vanguard Prime Money Market Capital Gain

.
Am I seeing things or did Vanguard's did Prime Money Market declare a $0.00009 Short Term Capital Gain on 09/20/2013 which reinvested on 09/23/2013?

That seems quite unusual to me.

https://personal.vanguard.com/us/funds/ ... =INT#tab=4
by EyeDee
Tue Sep 24, 2013 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Capital Gain
Replies: 11
Views: 1829

Vanguard ETF Class

Thanks for the clarification. How about the ETFs that track other indices (Russell or S&P), do those have institutional share classes as well? . Yes. George 'Gus' Sauter Vanguard's former Chief Investment Officer (CIO) believed very strongly in the concept of ETF's being just special class of m...
by EyeDee
Fri Sep 13, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Schwab creeping up on Vanguard?
Replies: 20
Views: 3610

Re: Is Schwab creeping up on Vanguard?

VGIT is a stand-alone ETF, not a share class of the IT Treasury mutual fund VFITX. . There are no Vanguard ETFs that are stand-alone. Some do not have Investor shares, but all have mutual fund shares of some sort. VGIT is the ETF shares for Intermediate-Term Government Bond Index Fund which also ha...
by EyeDee
Fri Sep 13, 2013 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Schwab creeping up on Vanguard?
Replies: 20
Views: 3610

EAFE ETF

The ETF (VEA) clone of Tax Managed Int'l started on 7/20/2007. From the ETF buyer's prospective, it probably didn't matter whether the ETF was based on Tax Managed or Developed Markets. Vanguard probably chose the Tax Managed fund to aid in the tax management of VTMGX. . Actually I believe it did m...
by EyeDee
Mon Sep 02, 2013 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: If VTMGX = VEA, why are they described so differently?
Replies: 5
Views: 798

Re: vanguard.com - Region allocation not displaying

.
I think it is probably the Firefox update as we have the same problem and we recently updated Firefox.

Until Firefox or Vanguard fixes the problem, you might try Microsoft's Internet Explorer (MIE) as region allocations seems to display OK in MIE.
by EyeDee
Tue Aug 20, 2013 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: vanguard.com - Region allocation not displaying
Replies: 6
Views: 537

Re: Emerging Markets % in Total International Fund

No it's a current prospectus. The current one is written in August 2013 and refers to the FTSE index. . But it says "As of April 30, 2013," which would have been before recent transition was completed. From August 2013 prospectus: "Total International Stock Index Fund. The Fund inves...
by EyeDee
Sun Aug 18, 2013 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets % in Total International Fund
Replies: 9
Views: 726

Re: Emerging Markets % in Total International Fund

Thanks for the replies! I knew that Vanguard's transition from MSCI to FTSE would change the weightings, but wouldn't it be nice is everyone had the same definition of "emerging?" :happy What about the difference between the prospectus and Vanguard's % on their website? I know it is only ...
by EyeDee
Sun Aug 18, 2013 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets % in Total International Fund
Replies: 9
Views: 726

Re: Mutual Fund Fees

The first is the case of JPMorgan Equity Index Select (HLEIX). Morning star has their actual expense ratio as 0.2% and management as 0.25%. I had thought that management and administrative was included in the expense ratio. But that would lead to a negative expense outside of management. Is that ri...
by EyeDee
Wed Aug 14, 2013 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fees
Replies: 4
Views: 404

Additional Cases

. Taylor is correct about Morningstar for standard request for a mutual fund. If you add other funds or ETF's to the graph they are treated similarly. Some additional information you might want to be aware: 1. Under the Chart tab, you can get Price by changing Growth to Price in drop down list on le...
by EyeDee
Sun Jul 28, 2013 11:22 am
 
Forum: Investing - Theory, News & General
Topic: M* growth graphs, include reinvestment, ERs?
Replies: 3
Views: 304

Re: Question about health insurance(pre existing conditions)

Thanks for the information. If you don't mind me asking, were you able to eventually get insurance? Also if you go from one corporate group insurance immediately to another, are they allowed to give you general coverage but then refuse to pay for just the costs related to your pre existing conditio...
by EyeDee
Sun Jul 28, 2013 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about health insurance(pre existing conditions)
Replies: 13
Views: 995

Pre existing conditions

. Without the changes coming in 2014, you probably would not have a problem being covered by corporate group coverage, but you could easily be rejected for having a pre-existing condition for individual health insurance if you ever tired to get individual health insurance even if you never had a lap...
by EyeDee
Sat Jul 27, 2013 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about health insurance(pre existing conditions)
Replies: 13
Views: 995

Re: [Sad news - Pat Larimore]

.
Taylor,

I am so sorry about your loss.
by EyeDee
Wed Jul 17, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15431

Re: Emerging Markets ETF Vs Fund

Wow, VWO is up 4.64% today ... . But strangely the Emerging Markets Stock Index Fund Admiral Shares (VEMAX) was up only 2.90%. Obviously, one has to be careful about thinking VWO is an indicator of how the fund is going to do on a any given day. Apparently the fair market valuations for the fund do...
by EyeDee
Fri Jul 12, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets ETF (VWO) up 1.6%, VEMAX down .06% today?
Replies: 19
Views: 2048

Emerging Markets ETF Vs Fund

Wow, VWO is up 4.64% today ... . But strangely the Emerging Markets Stock Index Fund Admiral Shares (VEMAX) was up only 2.90%. Obviously, one has to be careful about thinking VWO is an indicator of how the fund is going to do on a any given day. Apparently the fair market valuations for the fund do...
by EyeDee
Fri Jul 12, 2013 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets ETF (VWO) up 1.6%, VEMAX down .06% today?
Replies: 19
Views: 2048

Re: Whats The Story With VTBIX???

One more quickie; M* lists the average duration/maturity for bonds in VTBIX as 5 and 7 years. Since this fund is exclusively for use bu their target funds, I wonder why they don't have shoter terms? VTINX recently changed their TIPS from intermediate term to short term.. . Since VTBIX is used as an...
by EyeDee
Sun Jun 30, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whats The Story With VTBIX???
Replies: 11
Views: 1262

Total Bond Market Fund

I don't pay much attention to Morningstar's star ratings, risk/return ratings, or benchmarks. I do use Morningstar's instant x-ray and growth charts. Go ahead and use Morningstar's chart to compare VTBIX with VBTLX (admiral share version) from VTBIX's inception. I see less than $80 difference betwe...
by EyeDee
Sun Jun 30, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whats The Story With VTBIX???
Replies: 11
Views: 1262

Hedging

Occupier wrote:I would love to get straitened out by someone who knows beter,but I cant make sense of hedging.
.
Please address the question of hedging to the conversation on the fund's hedging previously started by Gordon (gkaplan): viewtopic.php?f=10&t=118185

Thank you.
by EyeDee
Mon Jun 17, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Total International Bond Index Portfolio
Replies: 3
Views: 581

Total International Bond Index Portfolio

. Around 06/15/2013 Vanguard started listing the portfolio for Total International Index Bond Fund at: https://personal.vanguard.com/us/funds/snapshot?FundId=1231&FundIntExt=INT#tab=2 Not surprisingly, the Total International Bond Index Fund's which started on 05/31/2013 had a significant portio...
by EyeDee
Mon Jun 17, 2013 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Total International Bond Index Portfolio
Replies: 3
Views: 581

Bogle on Social Security

. . . Again, I'm just wondering if anyone has seen anything more substantive about this from Bogle before. If not, I'll wait until I hear more from him. He has earned my respect and that's why I care about hearing more about his views on bond risks. I don't mean to suppose to put words in his mouth...
by EyeDee
Thu Jun 13, 2013 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 9960

Including Social Security

. . . For many investors, the effect of including Social Security as a bond would be to make the allocation he recommends in 2013 much more aggressive than the one he recommended in 2007. . . Mr. Bogle advocates including the value of pension and Social Security benefits as part of your “bond” hold...
by EyeDee
Thu Jun 13, 2013 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 9960

Keep costs low.

. I hope Vanguard continues to emphasize keeping costs low. Although I had to call Vanguard three times this past week about a problem with the second/third (second call got cut off at my end) call being a very wasteful and frustrating call because the customer support had trouble listing to what I ...
by EyeDee
Mon Jun 10, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: If only the ER for Vanguard funds was a bit higher.
Replies: 32
Views: 3033

F.Y.I.

. I thought this from page B-21 of Statement of Additional Information (SAI) for new Total International Bond Index fund might be of some interest to this conversation: "Distribution.Vanguard Marketing Corporation, 400 Devon Park Drive A39, Wayne, PA 19087, a wholly owned subsidiary of Vanguard...
by EyeDee
Tue Jun 04, 2013 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's New Bank Authorization Agreement
Replies: 40
Views: 4226

Some others

. From http://en.wikipedia.org/wiki/Ace_Hardware: "Ace Hardware Corporation is a hardware cooperative" From http://en.wikipedia.org/wiki/Do_It_Best: "Do it Best Corp., formerly known as Hardware Wholesalers, Inc. (HWI), is a member-owned hardware, lumber, and building materials cooper...
by EyeDee
Mon Jun 03, 2013 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Why no mutually owned companies beyond finance/insurance?
Replies: 14
Views: 3875

Re: Vanguard E-Mail

. I think in this case it is from Vanguard even though it has a live (clickable) link, because the link is simply to a page on Vanguard that is available to the public - i.e. it does not require one to log on or provide any personal information to read. The email in fact has a number of clickable l...
by EyeDee
Thu May 23, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: I think I'm getting phished
Replies: 27
Views: 2782

Re: assets to roll off

.
I believe he means that instead of selling bonds in the open market when they get to the point of wanting to reduce their bond holdings, that they will simply let the bonds mature and receive back their principal at that point.
by EyeDee
Wed May 22, 2013 11:10 am
 
Forum: Investing - Theory, News & General
Topic: assets to roll off
Replies: 11
Views: 559
Next

Return to advanced search