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by EyeDee
Thu May 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: The case for a global perspective
Replies: 4
Views: 388

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: 2616

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: 3001

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: 3001

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: 3001

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: 3001

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: 3001

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: 3001

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: 3001

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: 3001

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: 4082

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: 4082

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: 2616

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: 1210

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: 1210

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: 1210

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: 3429

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: 9243

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: 3429

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: 2220

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: 2291

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: 2662

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: 2662

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: 2662

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: 3963

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: 7267

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: 2072

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: 1419

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: 437

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: 1093

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: 2205

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: 2205

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: 2205

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: 2205

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: 2205

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...
by EyeDee
Fri Mar 27, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2205

Re: Vanguard's Week In Review

. Taylor, I doubt if I will bother with "Eye on the Economy" e-mail either. That is part of why I am very disappointed with Vanguard's changes. I would much prefer just getting the timeline for the next weeks report and the chart of the previous weeks results that is in the current Week In...
by EyeDee
Fri Mar 27, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2205

Vanguard's Week In Review

. With this week's Week in Review, Vanguard announced changes: "To provide you with more research-based insight into the economy, the markets, and investing, Economic Week in Review—a recap of the week's economic highlights—is being replaced. Starting in mid-April, you'll receive Eye on the Eco...
by EyeDee
Wed Mar 18, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 2072

ACA Benefits Vs Investments

. Bustoff, Personally I think it is worth letting your income get up to the 185%-198% of your family poverty level even if that means you get a smaller premium subsidy and higher deductibles, if you can handle the premiums, deductibles, and other medical expenses at that level and if you can control...
by EyeDee
Wed Mar 18, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Should William McNabb III be chairman of Vanguard's board?
Replies: 8
Views: 1346

Vanguard's Board

. Obviously Vanguard does not have an independent Chair, but given how little we know about Vanguard's board, are you sure that one of the outside directors is not an independent lead director, especially since Mr. McNabb is the only insider on the board? I wish Vanguard disclosed more about their b...
by EyeDee
Tue Mar 17, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2983

Re: Mortgage

. I marked 10-15 years, although it was only a couple months over 10 years. What low rate mortgage? We were paying 13.5% + 0.25 PMI. While you were paying 13.5%, did you also invest with taxable account? I'm curious why you kept the 13.5% mortgage for 10 years without paying off or refinancing? . I...
by EyeDee
Tue Mar 17, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2983

Mortgage

. I marked 10-15 years, although it was only a couple months over 10 years. What low rate mortgage? We were paying 13.5% + 0.25 PMI. I'm surprised to see 47% (54 out of 113) paid off the mortgage early in less than 10 years. (if you exclude paid with cash folks, 42% = 43 out of 102). I always though...
by EyeDee
Sun Mar 15, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5619

Vanguard Funds of Funds

. Over the years Vanguard materials have emphasized that their funds of funds do not charge any extra fee over the fees of the underlying funds - changing that might cause a PR problem. From their own response, wouldn't this be possible? (Whether they'd do it is another question, of course.) LifeStr...
by EyeDee
Sun Mar 15, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5619

Vanguard Fund of Funds

. Vanguard could surprise me and switch to Admiral Shares for the underlying funds of their funds of funds, but since the funds of funds are often used as starter funds so likely to have many small accounts and since there is some management needed to regularly re-balance those funds, it seems very ...
by EyeDee
Sun Mar 15, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5619

Vanguard Fund of Funds

Has this ever been discussed by Vanguard or communicated to Vanguard at any of the Bogleheads conferences? . See: https://www.bogleheads.org/forum/viewtopic.php?p=1146501#p1146501 " Postby manuvns » Thu Aug 11, 2011 3:35 pm still waiting for admiral series of target date fund . here is the res...
by EyeDee
Sun Mar 15, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5619

LifeStrategy Funds Costs

. In addition to the restrictions mentioned and the fact that the use of Investor shares verses Admiral shares covers the cost of small accounts and re-balancing/managing the funds, for the bond heavy funds the cost is already been reduced some by Vanguard when they switched the Total Bond Market In...
by EyeDee
Wed Mar 11, 2015 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4883

Re: New Vanguard Web Site Navigation

. Ken, Thank you for the information. Maybe Vanguard will fix it now that you have provided such detailed information. Unfortunately, your circumvention will not work for me as I always close my browser after a Vanguard session, unless I login immediately because I forgot to do/check something. You'...
by EyeDee
Wed Mar 11, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4883

New Vanguard Web Site Navigation

I'm still having problems with the disappearing drop-down menus. Is anyone else? It's making it devilishly difficult to navigate the website. . Ironically, I am having almost the opposite problem. The drop down navigation tour keeps coming back each time I log on, although I have several times sele...
by EyeDee
Tue Mar 03, 2015 7:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 13397

Petition for Jack Bogle's Presidential Medal of Freedom

.
Over 330 new sign ups on March 3, 2015 - maybe things will are starting to take off.
by EyeDee
Sat Feb 14, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3502

Re: Social Security as a bond?

. Why is it that so many people on this board defend Mr. Bogle's recommendation for 20% or less of international stock, but very few support his recommendation to treat Social Security as a bond? Disclosure, we target for more than 20% in international and do not calculate Social Security as a bond,...

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