Search found 976 matches

by EyeDee
Thu Jul 23, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: When and how is the expense ratio of mutual funds deducted?
Replies: 6
Views: 853

Vanguard expense subsidies.

. Which leaves the question where does Vanguard get the money to provide the subsidies for their money-market funds? From previously retained capital or from other funds, since Vanguard supposedly does not make a profit. If from other funds, how is it allocated? In a way it would it seems like owner...
by EyeDee
Mon Jul 20, 2015 6:56 pm
Forum: Investing - Theory, News & General
Topic: FTSE All-World ex. US - still a good international fund?
Replies: 5
Views: 971

FTSE All-World ex. US

. As you point out Vanguard has changed Total International Stock Index since FTSE All-World ex. US came out - in fact the both follow FTSE indexes now. Which one you want to use for the future depends upon what you want. Total International Stock is now an all cap fund and FTSE All-World ex US is a...
by EyeDee
Mon Jul 20, 2015 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Too Big to Fail?"
Replies: 11
Views: 1432

Re: Vanguard "Too Big to Fail?"

. Sawhorse, I hope Phineas J. Whoopee's explanation made sense. Just to emphasize I did not say mutual funds were not covered and ETF's were, I said normal Vanguard mutual funds accounts were not covered, but "Vangaurd ETFs/regular mutual funds in a brokerage account" were covered. It is n...
by EyeDee
Mon Jul 20, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Too Big to Fail?"
Replies: 11
Views: 1432

Re: Vanguard "Too Big to Fail?"

. Sawhorse, Normal Vanguard mutual fund accounts are not insured in the sense of FDIC/SIPC type insurance. If you hold Vangaurd ETFs/regular mutual funds in a brokerage account, your holdings are insured by SIPC to $500,000 against fraud by the brokerage or the brokerage going out of business. I bel...
by EyeDee
Sun Jul 19, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Question About Vanguard Notices
Replies: 7
Views: 960

Re: Question About Vanguard Notices

. Livesoft, Thank you. Your situation seems very similar. Our E-delivery settings under Delivery Settings under Mail Preferences and our Alert settings are matched up on our Vanguard userids. Is there some where else that one would "set your notice deliver preferences"? That sounds exactly...
by EyeDee
Sun Jul 19, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Question About Vanguard Notices
Replies: 7
Views: 960

Re: Question About Vanguard Notices

. I apparently chose a poor title so I changed it to remove reference to logon in hopes that I might get a few more responses as I thought we had many people on the board whose spouse also has a online userid with Vanguard. Also to try another wording of my question: For those whose spouse also has ...
by EyeDee
Sat Jul 18, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: Question About Vanguard Notices
Replies: 7
Views: 960

Re: Questions About Recent Vanguard Logon Procedure Change Notice

. I was not concerned about the logon procedure either. My reason for contacting Vanguard involved concern about how they send out messages. For example the same thing happens with webinar announcements. My concern was for some future message that was important. Vanguard probably did the same thing,...
by EyeDee
Fri Jul 17, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: Question About Vanguard Notices
Replies: 7
Views: 960

Question About Vanguard Notices

. For those whose spouse also has an Vanguard userid, did you both get the notice about the change in Vanguard's logon procedures or did only one of you? Although our userids have the same notification settings, only one of our userids received a secure message and an E-Mail to the associated E-Mail...
by EyeDee
Fri Jul 03, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Books - Updated?
Replies: 8
Views: 1164

Re: Jack Bogle Books - Updated?

. I do not have a reference, but I believe someone mentioned on the board that Mr. Bogle indicated he promised his wife that he would not write any more books. And in keeping with the idea of not spending much time on writing books, it appears from looking inside the new version on Amazon that the o...
by EyeDee
Fri Jun 26, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6595

Stock Bond Ratios

. Letsgobobby, Actually Mr. Bogle has been advocating looking at Social Security and pensions as bond like for over 20 years - see Page 268 of his book "Bogle on Mutual Funds" copyrighted in 1994. In his case it has nothing to do with current low bond yields. As for your original question,...
by EyeDee
Sat Jun 20, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 711

Re: Vanguard international fund tracking error

. You are welcome. In hurrying to post where the fair-value pricing was referenced, I did not look at the Chairman's letter until after posting above, where he in fact, even points out on page 2 that it is the main difference. "The funds’ returns diverged from those of their benchmarks, largely...
by EyeDee
Sat Jun 20, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard international fund tracking error
Replies: 10
Views: 711

Re: Vanguard international fund tracking error

. You need to read the lower part of Page 5 of the report that covers fair-value pricing. Because of the fair value pricing that Vanguard has to use for foreign funds, the numbers in the reports for the foreign funds are off quite frequently (as David pointed out while I was researching the page num...
by EyeDee
Sun Jun 07, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard/Schwab Bond ETF Price Anomaly
Replies: 15
Views: 862

Re: Vanguard/Schwab Bond ETF Price Anomaly

. Not that it is that there is much of a difference in dates, but you might want to take another look at the start date for the Vanguard fund. Intermediate-Term Bond Index Fund Institutional, VBIMX, (ETF BIV), started 01/26/2006 while Intermediate-Term Government Bond Index Fund Institutional, VIIGX...
by EyeDee
Sun Jun 07, 2015 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard/Schwab Bond ETF Price Anomaly
Replies: 15
Views: 862

Vanguard/Schwab Bond ETF Price Anomaly

. I am not sure of what is the cause of the two ETFs being different, but the Vanguard fund does not seem to be that old. Vanguard lists the start date for VGIT as November 2009 and the start date for the Admiral class (VSIGX) as started in October 2010 (although Morningstar starts its graph in Nove...
by EyeDee
Wed Jun 03, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8064

Vanguard International Equity Indexes

. Anyone have any idea why Vanguard did not include an announcement of the addition of China A shares to Total International Stock Index Fund, FTSE All-World ex-US Index Fund, and FTSE All-World ex-US Small-Cap Index Fund since they all currently include emerging market/China stocks? Granted it will...
by EyeDee
Thu May 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: The case for a global perspective
Replies: 4
Views: 501

Re: The case for a global perspective

. Based upon the fact you posted this on the Bogleheads forum, I am guessing this was a Vanguard webinar. If so the answer to your question is yes they usually have them available online afterward - it is usually a few days as they generally provide both a video and transcript version. Just as an as...
by EyeDee
Sat May 09, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: Where are the dividends with Funds??
Replies: 21
Views: 2837

Re: Fund Dividends

. Riptide, You need to check your records as Vanguard Small-Cap Value Index Fund Admiral (VSIAX) paid a yearly dividend of $0.7930 per share in December (Reinvest Date 12/19/2014, Payable Date 12/22/2014 if not reinvested) and a supplemental (housecleaning) dividend of $0.0330 per share in March (Re...
by EyeDee
Thu May 07, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

.
LadyGeek,

I believe you posted the link to the 2014 publication, please see my post above yours for the 2015 publication.

Thank you.
by EyeDee
Thu May 07, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. Looks like there is a new ongoing comment period (previous one ended in April 2014): Press Release: http://www.financialstabilityboard.org/2015/03/fsb-and-iosco-propose-assessment-methodologies-for-identifying-non-bank-non-insurer-global-systemically-important-financial-institutions/ Publication: ...
by EyeDee
Thu May 07, 2015 6:14 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. The document linked by in_reality above implies the Investment Company Institute (ICI) is responding to methodologies published for public comment: "The Investment Company Institute, on behalf of its entire fund membership,1 appreciates the opportunity to comment on the Financial Stability Bo...
by EyeDee
Thu May 07, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. Theoretical, I agree. I am guessing that part of Mr. McNabb's goal is to keep things simple and avoid having the potential costs/risks of changing how things are done. In the past, according to some annual report foot notes, Vanguard has used options/futures to allow 1-2% in cash in funds while tr...
by EyeDee
Thu May 07, 2015 3:46 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. Leesbro60, Another possibility might be for Vanguard to use futures/options to bring the stock exposure back up to the equivalent of 100% stock. The cost might or might not be covered by the interest on the cash. So would, say Vanguard Total Market, then become a 92/8 fund for purposes of our asse...
by EyeDee
Thu May 07, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. Telemark, I agree, but unfortunately the initial criteria they are considering using is a fund being over $100B in size which includes several of Vanguard's funds (or companies that have such funds which would be all of Vanguard's funds). If the final criteria is more reasonable, then there should...
by EyeDee
Thu May 07, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. I agree Mr. McNabb seems to be trying to influence opinion, which as a Vanguard owner I am glad to see him doing as these proposed changes would be costly to us - either in ongoing adjustments and expenses if we stayed invested in Vanguard mutual funds or in costs to switch to owning individual se...
by EyeDee
Thu May 07, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 3233

Re: McNabb op ed - possible 8% cash requirement

. Denovo, Why do you think it is fear mongering? If these rules are being proposed by regulators for Vanguard funds, it could be costly to many of us on this board who have most of our assets at Vanguard if we did not adjust our asset allocation calculations as suggested by Leesbro63 and definitely ...
by EyeDee
Wed May 06, 2015 10:45 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 4608

Re: Best Time of Year to Rebalance Portfolio?

. Gasdoc, Actually that is what you would tend to do, if you did quarterly rebalancing (possibly with rebalancing bands so you did not have too many transactions) set up so your quarter ran from end of October/beginning of November to end of January/beginning of February, etc. If you set it up as qu...
by EyeDee
Wed May 06, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 4608

Re: Best Time of Year to Rebalance Portfolio?

. Rebalancing in late January or February might work out as a fairly good time for annual rebalancing long term, since November, December, and January have provided good returns since 1950 according to the monthly data provided by Taylor Larimore in this old post: http://www.bogleheads.org/forum/vie...
by EyeDee
Mon May 04, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: Where are the dividends with Funds??
Replies: 21
Views: 2837

Fund Dividends

. Although Total Bond Market Index Fund (VBTLX) pays dividends monthly, Total Stock (U.S.) Market Index Fund and Total International Stock Market Index Fund pay dividends quarterly. Small-Cap Value Index (VSIAX) normally paid dividends yearly in the past, but I believe it is one of the funds changin...
by EyeDee
Mon May 04, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1400

Different NAV for different share classes

.
I do not know if it is possible to have different NAV for different share classes of a money market fund, but Vanguard has many funds with different NAV for different share classes. For example, the new Ultra-Short-Term Bond funds started with investor shares of $10.00 and admiral shares of $20.00.
by EyeDee
Mon May 04, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1400

Prime Money Market Fund

.
By the way, according to the February 28, 2015 Semi-Annual report Prime Money Market had $132.4B of which $102.5B was in investor shares and $29.9B was in institutional shares.
by EyeDee
Mon May 04, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1400

Floating NAV Rules and Prime Money Market Fund

. Is there anything that prevents Vanguard from splitting Prime Money Market Fund into two different funds between now and when changes happen to institutional money market funds in 2016? I would think they could just put institutional holders of the current fund into a new institutional fund and ho...
by EyeDee
Sat May 02, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard governance and investor rights
Replies: 66
Views: 3858

Vanguard governance and investor rights

. With Vanguard gaining more and more international clients, it may be appropriate to note that only U.S. clients own Vanguard. From Vanguard's Canadian site: https://www.vanguardcanada.ca/individual/about-vanguard/about-vanguard.htm "Stability and experience What sets Vanguard apart—and lets V...
by EyeDee
Wed Apr 29, 2015 10:52 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9903

Foreign REITs

. Mr. Grabiner, I am always hesitant to disagree someone who posts such quality posts as you, but Japanese real estate companies do own real estate outside of Japan. According to Vanguard's web site Mitsubishi Estate Co. Ltd. and Mitsui Fudosan Co. Ltd. are the two largest holdings in Vanguard's Glo...
by EyeDee
Mon Apr 27, 2015 11:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard governance and investor rights
Replies: 66
Views: 3858

Vanguard governance and investor rights

. In 2009, we received proxy information that began with a letter from Vanguard President and Chief Executive Officer F. William McNabb III which began: "Fellow Vanguard Shareholder, All Vanguard funds will hold a Special Meeting of Shareholders on July 2, 2009, at Vanguard's offices in Scottsd...
by EyeDee
Sun Apr 26, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: Quickie to clarify confusion re: 0% long-term capital gains
Replies: 29
Views: 2398

Buy and Sell of Vanguard Mutual Fund

. Jefmafnl, Yes, you should be able to put in a request to buy a Vanguard mutual fund and then a request to sell that same fund on the same day (at least I was able to do so in 2012 and 2013 to change some shares from non-covered to covered). However, be very careful to do it in the right order. As ...
by EyeDee
Fri Apr 24, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 26
Views: 2533

Re: Vanaguard Account Activity Alerts

.
Jebmke,

No, it does not require 2FA. You might want to call Vanguard to find out why your account is not eligible.

jebmke wrote:I followed the link in the notice and it said that my account was not eligible for alerts. Does it require 2FA?
by EyeDee
Sun Apr 19, 2015 9:16 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard actually own the securities in its funds?
Replies: 18
Views: 2783

Re: Securities Records

. Nobsinvestor, You are welcome. But wanted to make sure you understand the custodian bank does not know who you are. Only Vanguard and you know how much of TSM you own - the custodian bank only knows about what TSM owns. thanks, that's what I was looking for. The custodian bank holds the actual sha...
by EyeDee
Sun Apr 19, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard actually own the securities in its funds?
Replies: 18
Views: 2783

Re: Securities Records

To expand a little on Alex's answer: Vanguard keeps track of how much you own of TSM but I do not believe custodian bank such as J.P.Morgan has any records of what you own individually - that is only at Vanguard and in documentation/statements you keep. One minor correction. Like any other company ...
by EyeDee
Sun Apr 19, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard actually own the securities in its funds?
Replies: 18
Views: 2783

Securities Records

. To expand a little on Alex's answer: Vanguard keeps track of how much you own of TSM but I do not believe custodian bank such as J.P.Morgan has any records of what you own individually - that is only at Vanguard and in documentation/statements you keep. You own TSM, TSM owns shares in various stoc...
by EyeDee
Thu Apr 09, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 4273

Re: Mailing tax returns

. Although we figure our taxes using Excel, put the numbers into fillable pdf tax forms from the IRS and the state, print the forms, and recheck with a calculator/adding machine, we just mail them using our regular mail box (often with two ounce postage). When that stops working, I guess we will sta...
by EyeDee
Mon Apr 06, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 7856

Switching to 40% in bonds.

.
Mark,

How about considering moving 1% to bonds each month or each quarter, until you get to your goal? Might not be the wisest choice depending upon your age and situation, but at least it would get you started while you become more comfortable with the idea of holding some bonds.
by EyeDee
Thu Apr 02, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 2195

ACA MAGI and Capital Gains

. Bustoff, If the sale proceeds exceed your allowed exclusion and you have actual capital gains on the sale that will be reported on the first page of form 1040 then I believe the capital gains will increase your MAGI for Obamacare purposes and reduce your benefits. You probably want to do some revi...
by EyeDee
Wed Apr 01, 2015 6:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mid-Cap ETF (VO) sudden dive
Replies: 13
Views: 1497

Re: Vanguard Mid-Cap ETF (VO) sudden dive

. It also jumped in the last seconds of 03/31/15, so the drop on 04/01/15 was mostly just removing the big jump at the end of 03/31/15. I do not know much about trading ETF's but my guess is there was one mistyped trade at the end of 03/31/15. Whether the trade stuck or was corrected, I do not know ...
by EyeDee
Tue Mar 31, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: VG Total Bond Distrb Factor of 10 Smaller
Replies: 2
Views: 467

Re: VG Total Bond Distrb Factor of 10 Smaller

.
The normal dividend distribution for Total Bond for March will not be known until sometime April 1, the distribution listed on Vanguard web site for the fund in the evening of March 31 are some small capital gains that are also being paid out in March.
by EyeDee
Sat Mar 28, 2015 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Web Site [How do I research funds by category?]
Replies: 11
Views: 1187

Funds by category

. LadyGeek, The page works fine for me in Firefox 36.0.4 under Windows 7. Perhaps you have something set in Firefox that is incompatible with Vanguard's site. It should stay buried, as that site doesn't work on Firefox. Here's your link, which is to the Personal Investor website: Vanguard mutual fun...
by EyeDee
Sat Mar 28, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2357

Re: Vanguard's Week In Review

. Selftalk, I do not understand your response. I have been agreeing with Taylor. The concern I have been trying to express is that Vanguard is changing their a weekly report to a bi-weekly report oriented to analysis and opinions and dropping some basic information that I have some interest in seein...
by EyeDee
Sat Mar 28, 2015 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2357

Re: Vanguard's Week In Review

. House Blend, Thank you for the links, the Economic Calendar gives a nice summary of report statistics. I have now set up a Bookmark group of four sites to get some of the information I got from the one weekly report on Vanguard's site (and that was in the 25% I read while generally ignoring 75% of...
by EyeDee
Fri Mar 27, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2357

Re: Vanguard's Week In Review

. Since no one else seem to have any sites to recommend for my particular concerns, I started Googling for possibilities. I found a very nice summary of the past week and schedule of reports for next week at MFS's web site: https://www.mfs.com/wps/portal/mfs/us-investor/market-outlooks/market-commen...
by EyeDee
Fri Mar 27, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2357

Re: Vanguard's Week In Review

. LadyGeek, No, but thank you for trying. My problem is not with finding Vanguard's reports, it is with the fact that they are going to quit providing one of the reports and the description of replacement report/E-mail indicates it will not have the information with which I am interested - i.e. a ti...
by EyeDee
Fri Mar 27, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2357

Re: Vanguard's Week In Review

. Steve, Thanks for taking the time to provide the link, but Mr. McBride reports seem to be more like the information that Vanguard is planning on providing that I have very minimal interest in and not like the simple information they are dropping which I am very interested in getting. Edit: It look...

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