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Re: Netflix DVD delivery slowdown?

Still slow, slow, slow, and no notifications or requests about delivery times.
by Munir
Sat Apr 18, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 110
Views: 17285

Re: Abbreviation: "OP"

Dulocracy wrote:
nisiprius wrote:but I at least do try to read the original post.


It is good that you try to at least make that effort... :P


How does one "make the effort to try and read" ? :happy
by Munir
Fri Apr 17, 2015 5:50 pm
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1132

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

Mel,

Can you please direct me to the transcript of Jack's Q&A in the 2014 Boglehead Conference? I assume it has been posted and I have missed it. Thanks.
by Munir
Fri Apr 17, 2015 4:42 am
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 8
Views: 904

Re: Is Short-term Corp. Best With Total Bond?

I've been reading about various ways to increase exposure to corporate bonds for those holding the Total Bond market fund. Some people seem to like pairing Total Bond with the short-term corporate index, while others prefer the intermediate-term corporate fund. Is the main difference your time hori...
by Munir
Sun Apr 12, 2015 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Short-term Corp. Best With Total Bond?
Replies: 6
Views: 731

Re: Required minimum distribution and year end fund distribu

I don’t mind paying quarterly taxes. With two pensions, social security, and RMDs trying to get all the withholdings just right so I don’t go too far over or too far under my total tax liability would be more of a hassle than just doing the quarterly estimated tax payments. I don't mind either. At ...
by Munir
Thu Apr 09, 2015 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1984

Re: Required minimum distribution and year end fund distribu

The biggest advantage to taking the RMD in late December is not having to pay quarterly taxes during the year since they can be withheld by Vanguard at the time of the RMD withdrawal for just a few months until you file your taxes (and hopefully get a refund). For me it has been a relief not having ...
by Munir
Wed Apr 08, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 1984

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

For clarification, Grabiner (and Nisiprius agrees) thinks there isn't that much difference in interest-rate risk between intermediate-term treasuries and intermediate-term corporate bonds, while the M* article states that treasuries are more risky in case of a rise in interest rates.
by Munir
Mon Mar 30, 2015 1:37 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2533

Re: Whats a good multi vitamin?

MD here. Not good evidence that a daily vitamin is helpful if you don't have a diet problem or gut disease like celiac spruce. Would get the cheap easily accessible one like the Kirkland myself if I took anything at all. +1. Vitamin D is recommended for northern climate sun-deprived individauls and...
by Munir
Sat Mar 28, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1238

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

If you can't sleep at night because you are worried your bond index fund will underperform some suggested actively managed funds, then you could try switching and see if your sleep improves. Personally, I am sleeping well at night because I have consolidated all my funds into the Life Strategy Cons...
by Munir
Fri Mar 27, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2533

M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds

http://news.morningstar.com/articlenet/article.aspx?id=689802 In a recent article, Morningstar does not include any index (or Vanguard) funds among its top seven intermediate bond funds and lists the Vanguard Ginnie Mae fund as #8. The reason given is that bond index funds track the Barclay's Aggreg...
by Munir
Fri Mar 27, 2015 4:05 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2533

Re: SPIA: Northwestern Mutual vs New York Life

If I were buying it for myself, which I have, I'd step down a notch in quality for a higher return. From your post I know you're looking for the best of the best, but there are many strong insurance carriers out there which also issue SPIA's. Gill +1. Have you tried the Income Solutions via the Van...
by Munir
Wed Mar 25, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1432

Re: VanG Intermediate Term Bond Market Question

Intermediate Investment Grade Bond Fund (VFIDX) : yield 2.5%; duration 5.24 years per M* and 5.4 per Vanguard; corporate holdings 75%; bond credit quality A; Vanguard risk level 2 and M* is average risk. Check it out- you can use it by itself or together with TBM.
by Munir
Tue Mar 24, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1865

Re: VanG Intermediate Term Bond Market Question

Thank you. I've read all your responses more than once and I do appreciate them. The vibe I'm getting is that these funds aren't much different and I'd be fine with either. However, if these funds are so similar, then I guess I'm not understanding why the returns are so different. An average of 0.9...
by Munir
Tue Mar 24, 2015 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1865

Re: VanG Intermediate Term Bond Market Question

If you are concerned about the possibility of rising interest rates, there is a signifcant difference in duration between the two funds.
by Munir
Mon Mar 23, 2015 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1865

Re: Mysterious Vanguard Security Code

Has anyone had their Vanguard account hacked or heard of others being hacked? How common is this hacking- if it is occurring?
by Munir
Mon Mar 23, 2015 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1832

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

You have two major concerns, each of which has a different solution, IMO. I don't believe there is a single solution that addresses both concerns. The concern about the risk of rising interest rates is mitigated by replacing a large portion of the bonds with CDs purchased directly from banks and/or...
by Munir
Sat Mar 21, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

For follow up and closure purposes, I wanted to thank all those who participated in this discussion and let you know that after a discussion with my Vanguard rep, I ended up deciding on Life Strategy Conservative Growth (VSCGX) as my chosen fund and transferred all my existing four IRA funds to it. ...
by Munir
Sat Mar 21, 2015 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Thinking of going with VSMGX

I made this comparison in this thread last week: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958&p=2416471 I personally think you are better off in VSMGX and not in the separate funds. Should your conclusion apply to all Life Strategy Funds- specifically the Conservative Growth ...
by Munir
Thu Mar 19, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 10
Views: 1722

Re: Interest rate hike signaled

lack_ey wrote:So the interpreted signal is the opposite of the thread title? That would better explain bonds going up.


+1
by Munir
Wed Mar 18, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2263

Re: Interest rate hike signaled

I don't know what is and isn't possible, but please for future reference remember that bond ETFs went up when "an interest rate hike was signaled." File it as yet another reason to take all statements like "when X happens, Y tends to do Z" with a grain of salt. I assume the the ...
by Munir
Wed Mar 18, 2015 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2263

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Munir, I think you have a sound plan. Hopefully your investments are mostly in tax advantaged accounts where there would be no tax cost to switch over to your TR fund. Investments in the taxable account that have been held for decades could have substantial amounts of unrealized capital gains and m...
by Munir
Tue Mar 17, 2015 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Thank you for all the thoughtful responses, especially Taylor's. A further disclosure: I am only 77 but am concerned about continuing to manage my four-fund portfolio for two reasons: 1. When I die (which could be sudden), I want to leave my spouse a one-fund portfolio to manage because she has no i...
by Munir
Tue Mar 17, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: VTINX - The Embodiment of Vanguard

Congratulations on making the move. I am actively considering a similar move- see separate thread.

Will you have to sell shares of VTINX to pay your annual RMD?
by Munir
Tue Mar 17, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTINX - The Embodiment of Vanguard
Replies: 9
Views: 2047

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

It is a good choice for many, if not most, octogenarians. However, for me, also in my 80s and living off of my savings (+ SS), I would not want it as a sole holding. At my age, 30% stock would be too much in a period like 2008, and I don't know when that will again be. Now, if I wasn't living off o...
by Munir
Tue Mar 17, 2015 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

I think you could look at it this way. Let's take a bad scenario..... US and Foreign equities drop 50% ... the 30.4% of them you own drop the funds NAV 15.2% Let's suppose the bond funds drop 5% in NAV (roughly four 1/4 point interest raises in a short time frame). The 69.6% of bonds drop the funds...
by Munir
Tue Mar 17, 2015 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

VTINX is 39.1% Total Bond, 16.7% Short Term TIPS and 13.8% International Bond in addition to 21.2% Total Stock Market and 9.2% Total International Stock Market. IMHO it is very well diversified and I would not have any issues as a sole holding in my 80's. A SPIA becomes a useful tool if the individ...
by Munir
Tue Mar 17, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Target Retirement Income Fund (VTINX) As A Sole Holding

For retirees in their eighties, is the Target Retirement Income Fund (VTINX) with its 70% fixed income portfolio (mostly Total Bond Market Fund) adequate and safe enough as a sole holding and source of income IF rates rise and its NAV falls for the length of its duration of 5.2 years or longer? Or s...
by Munir
Tue Mar 17, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2795

Re: Target Retirement Income Fund vs 3-fund portfolio

I don't see any downside to the Target Retirement Income. That was a big help... Most appreciated. Agree with your conclusion. If the funds were going to be in a taxable account, it would be a different story. I've had a four fund portfolio but am tired of managing it (age 77) and am considering Ta...
by Munir
Sun Mar 15, 2015 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund vs 3-fund portfolio
Replies: 12
Views: 1625

Re: ideal bond allocation

Vanguard Intermediate Investment Grade & Total Bond Market about 55:45- all in my IRA.
by Munir
Sun Mar 15, 2015 12:13 am
 
Forum: Investing - Theory, News & General
Topic: ideal bond allocation
Replies: 7
Views: 1147

Re: M* Article On Assessing Bond Fund Risks

M* has an article dated 3/12/15 by Christine Benz on how to assess bond fund risks especially with a possible increasing interest rate environment. For example, she says the average yield for an intermediate bond fund is 1.73%. Yields higher than that could indicate a higher risk. The Total Bond Ma...
by Munir
Fri Mar 13, 2015 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article On Assessing Bond Fund Risks
Replies: 6
Views: 544

Re: M* Article On Assessing Bond Fund Risks

Other than the "sloppy" table at the end, I thought the article was a comprehensive assessment of bond funds and how one may try to ameliorate the results of potential short-term losses.
by Munir
Fri Mar 13, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article On Assessing Bond Fund Risks
Replies: 6
Views: 544

Re: Bad Bond Behavior

So you're suggesting that during a period of rate hikes those presently in VBTLX are still likely to see positive overall returns (albeit smaller) over time? One needs to remember that interest rates hikes could be successive over months or years. Theoretically, you have to start counting duration ...
by Munir
Fri Mar 13, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2540

M* Article On Assessing Bond Fund Risks

M* has an article dated 3/12/15 by Christine Benz on how to assess bond fund risks especially with a possible increasing interest rate environment. For example, she says the average yield for an intermediate bond fund is 1.73%. Yields higher than that could indicate a higher risk. The Total Bond Mar...
by Munir
Fri Mar 13, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article On Assessing Bond Fund Risks
Replies: 6
Views: 544

Re: Benefits of Flagship

JamesSFO wrote:
sanfran2015 wrote:Thanks all. Yes, it looks like the main added benefit is 25 free stock/ETF trades.


Don't underestimate a SPECIFIC person being assigned to you which is a Flagship benefit.


Is the SPECIFIC person a CFP or just a rep?
by Munir
Tue Mar 10, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 24
Views: 2354

Re: What is your fixed income mix?

77 years old

37% equities: 63% fixed income

Fixed income divided among:

24.6% Intermediate Invesment Grade (VFIDX)

22% Total Bond Market Index (VBTLX)

4.5% I Bonds

11.9% Cash ( Barclay's Online Savings Account)

3 SPIAs- not large- not included in the % distribution.
by Munir
Mon Mar 09, 2015 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your fixed income mix?
Replies: 33
Views: 2471

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund. But is has a longer duration than it...
by Munir
Sat Mar 07, 2015 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund. But is has a longer duration than it...
by Munir
Fri Mar 06, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

Total Bond is ok, but I prefer Vanguard's Intermediate-Term Bond Index Fund. It is 50% US Government bonds and notes and 50% corporates, all within the 5 to 10 year frame. The return for the Intermediate-Term Bond Index Fund has been better than Total Bond Fund. But is has a longer duration than it...
by Munir
Fri Mar 06, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

Currently the yield on Total Bond is 2.09% and the yield on Intermediate Term Investment Grade (often cited for representing corporates) is 2.39%. That isn't much of a difference. So at this time I have 100% in Total Bond. But as Taylor has said many times; any short or intermediate term high quali...
by Munir
Thu Mar 05, 2015 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

Currently the yield on Total Bond is 2.09% and the yield on Intermediate Term Investment Grade (often cited for representing corporates) is 2.39%. That isn't much of a difference. So at this time I have 100% in Total Bond. But as Taylor has said many times; any short or intermediate term high quali...
by Munir
Thu Mar 05, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

Hearing the arguments of those advocating the mantra "take your risk on the equity side" is not convincing. They are equating the minimal risk of owning investment corporate bonds with the risk of owning equities. We all know this is a case of apples and oranges. Even Swedroe admitted that...
by Munir
Thu Mar 05, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: Reasons not to use Total Bond Market?

2) Take your risk on the equity side so limit your bonds to Treasuries and maybe short term high quality Corporates. I hear this so often, but can you tell me the basis of this reasoning? I think this has become one of those oft repeated mantras that has become accepted as zeitgeist on this forum, ...
by Munir
Thu Mar 05, 2015 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7307

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

At first, I was a little offended by the title of the article, despite the fact that I believe whole heartedly that Bogle deserves this award considering the individuals who it has typically been awarded to and how it has been used in the past. However, after some consideration, in my mind freedom ...
by Munir
Tue Mar 03, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4663

Re: What Movie Have You Recently Watched?

1. Olive Kitteridge

2. Ida

3. Still Alice

They are all pithy well-crafted and well-acted films.
by Munir
Sun Mar 01, 2015 5:28 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99490

Re: [Is it worth getting an] AARP [membership]?

It seems to me that every few months a thread presumably starts with "questions" about AARP but it quickly evolves into AARP bashing. The same complaints get rehashed again and again. What gives?
by Munir
Tue Feb 24, 2015 1:48 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4341

Re: What Movie Have You Recently Watched?

"Still Alice". Highly recommend the film and Julienne Moore's performance.
by Munir
Sun Feb 15, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99490

Re: How many have a membership in AARP?

I belong to AARP and appreciate the benefits and some of the articles in their publications. Used their car/home insurance previously and currently use their Medigap insurance for Medicare. In my opion, most of the objections to it are politcal and not because of what they offer or don't offer.
by Munir
Thu Feb 12, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4341

Re: Mr. Bogle's current bond investing advice--what is it?

FreeAtLast wrote:Partially because of JB's comments, I now own Intermediate Term Bond Index and Intermediate Term Investment Grade in addition to TBM.


+1
by Munir
Sat Feb 07, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle's current bond investing advice--what is it?
Replies: 27
Views: 4684

Re: What Book Are You Currently Reading? Part VI

All ye over 60, Being Mortal by Atul Gawande is for thee.
by Munir
Tue Feb 03, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 643
Views: 89924

Re: Do retired Bogleheads have rising net assets?

How can you compare those with pensions (or SPIAs) and S.S. to those living off their nest eggs? Is everyone comparing their total assets or just their investment portfolios? I haven't seen one reponse saying their "assets" are flat or have declined. Are the members of the flat/declining g...
by Munir
Mon Feb 02, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4572
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