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Re: Vanguard Corporate Bond Funds

The one with more US Treasuries has less credit risk. The one with a shorter duration has less interest-rate risk. One can dial in any risk level they want by their choice of bond funds. There is really no way to know which risk will show up and when. As noted a few times in the forum, my rule-of-t...
by Munir
Tue Sep 30, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Corporate Bond Funds
Replies: 3
Views: 364

Re: Medicare Plan D Tail Of Whoa!

The only way to choose an OPTIMAL Part D plan is to use Drug Plan Finder at MEDICARE.GOV and enter all the drugs you are taking. The Plan Finder will list all the plans that are available to you in the order of lowest total annual cost to highest. The top three plans can be compared after making su...
by Munir
Mon Sep 22, 2014 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1956

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015. $15.70 next yr with a small increase in deductible to $320. There is no deductible (and no co-pay) for Tier 1 & 2 medica...
by Munir
Sat Sep 20, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2211

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015. $15.70 next yr with a small increase in deductible to $320. There is no deductible (and no co-pay) for Tier 1 & 2 medica...
by Munir
Sat Sep 20, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2211

Re: Role of Short Term Bond Funds in Long Term Portfolio

As a retiree, the bulk of my bond funds is in Intermendiate Investment Grade followed by Total Bond Market . However, I also keep a portion in the Short Term Investment Grade (in addition to an online savings account) as an emergency fund source and for short-term anticipated expenses. In sumamry, I...
by Munir
Fri Sep 19, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Role of Short Term Bond Funds in Long Term Portfolio
Replies: 6
Views: 667

Re: Best Time Of Year To Visit Mediterranean

Generally, September-October and April-May but check the climate during those periods in individual countries before you decide.
by Munir
Mon Sep 15, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1393

Re: RMD Bond Mutual Funds, and Bond duration more to lose sl

Funkey wrote:Sorry but what is a RMD?


Required minimum distribution. It is the required amount that a retiree has to withdraw from his/her traditional IRA annually after reaching the age of 70 1/2. It is a certain percentage mandated by government that varies with the advancing age of the retiree.
by Munir
Mon Sep 15, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bond Mutual Funds, and Bond duration more to lose sleep
Replies: 8
Views: 542

Re: So far, so good? Vanguard Total International Bond

Could that outperformance be due to the longer duration and/or lower credit quality of VTABX? If the durations and credit quality were equivalent and it outperformed then I would take notice. Agree with asif408. A more accurate comparison, even for such a short meaningless period of time, is betwee...
by Munir
Sun Sep 07, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 4237

Re: Why no more Vanguards

.... Vanguard's awful attitude .... made us pull her IRA. I agree with you 100%. Vanguard staffs have extremely bad attitute toward customers. It's degradatory and insulting everytime I had to talk to one of their so called "customer service" reps. When dealing with personal finance, woul...
by Munir
Fri Sep 05, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4873

Re: Warning level

One more question. Does the "warned" individual have access to his/her record detailing what caused the warnings? From what I see on my control panel, I would say yes, the warnings are explained in the the PMs on the warnings. I have no record of saved incoming messages but only sent mess...
by Munir
Fri Sep 05, 2014 10:59 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: Why no more Vanguards

Fidelity has its Spartan funds which are pretty much competitive with Vanguard's offerings. But I am sure they push their active funds and their high priced Fidelity Advisory Services offerings because that is where they make the big bucks. We have Fidelity Spartan and have never been pushed toward...
by Munir
Fri Sep 05, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4873

Re: Warning level

Have you ever received a PM from a moderator warning about one of your posts? That still does not anwer the question as to how many warnings, and over what period of time, will cause banning. It's also not clear if the Warning Level number represents the quantity of warnings, the severity of the of...
by Munir
Fri Sep 05, 2014 9:57 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: Warning level

tadamsmar wrote:Have you ever received a PM from a moderator warning about one of your posts?


That still does not anwer the question as to how many warnings, and over what period of time, will cause banning.
by Munir
Fri Sep 05, 2014 9:47 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: Warning level

In looking at my profile I see there is a warning level, but I don't know what the number means. How many warning levels are there and what does each level mean? Thanks in advance, BobK I second the question. I have the number 4 (? bad guy) in my warning level and the only one I remeber is when I a...
by Munir
Fri Sep 05, 2014 9:32 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2311

Re: Which Vanguard bond Fund ?

Many Bogleheads own TIPS and many do not. That is not a contradiction. I have no knowledge whether the majority of BHs own TIPS or not. It seems that there is an orthodoxy being promoted on this forum for needing to own TBM and TIPS in order to be a "true" BH. I respectfully disagree with...
by Munir
Fri Aug 22, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard BOND Fund ?

Why would one select a bond fund with the same criteria (performance) as they do a stock fund? Bond fund selection should be about choosing a fund with the highest rating and greatest diversification without too long or short of a duration. TBM is a no-brainer. +1 Tell Jack Bogle that TBM is a no-b...
by Munir
Fri Aug 22, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard bond Fund ?

It seems that there is an orthodoxy being promoted on this forum for needing to own TBM and TIPS in order to be a "true" BH. I respectfully disagree with that premise. Please note that Jack Bogle does not advocate for such ownership in his statements over the last 2-3 years. A lot of peop...
by Munir
Fri Aug 22, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard bond Fund ?

Many Bogleheads own TIPS and many do not. That is not a contradiction. I have no knowledge whether the majority of BHs own TIPS or not. It seems that there is an orthodoxy being promoted on this forum for needing to own TBM and TIPS in order to be a "true" BH. I respectfully disagree with ...
by Munir
Fri Aug 22, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard BOND Fund ?

If I may ask, as I'm also in the distribution phase, can you provide the percentages you hold in your mix of Investment Grade, Total Bond Market, Short-Term bond funds, SPIAs and cash? I also see you may not hold any TIPS. If you don't, can you give me your reasoning? I enjoy comparing other's pers...
by Munir
Thu Aug 21, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard BOND Fund ?

A number of Bogleheads do not see the Total Bond Fund as the apporpriate sole bond fund to hold. These doubters include Jack Bogle and Larry Swedroe (who have different reasons for not liking it). There have been many threads on this forum discussing this subject. The risks of corporate bonds have b...
by Munir
Wed Aug 20, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Which Vanguard BOND Fund ?

Good afternoon all. I have 20% of my (retirement) money in Vanguards Intermediate-Term Investment Grade Bond Fund (VFIDX) Admiral Shares 3 Year - Average Annual Performance 5.40% but, I see Vanguard also has a Intermediate-Term Corporate Bond Index (VICSX) Admiral Shares 3 Year - Average Annual Per...
by Munir
Wed Aug 20, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Vanguard Bond funds Style change

Slightly off-topic, I just noticed that M* recently raised the average credit rating of the Intermediate Investment Grade fund (VFIDX) from BBB to A, which makes it the same rating as the Intermediate Bond Index Fund (VBILX).
by Munir
Sun Aug 17, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Bond funds Style change
Replies: 19
Views: 1872

Re: RBD here yet? (DOW -300points drop)

"Take your risk in stocks"- how true. A 2.02% drop today in the Total Stock Market fund. The intermediate bond funds (including investment grade!) did not budge today while dropping about 0.35% -0.40% yesterday which was the extent of their "big" fall. But one day means little. L...
by Munir
Thu Jul 31, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5116

Re: Bonds!!??

I am puzzled. If the facts about bonds are so self-evident as nisiprius, Taylor, and many others state, then why do so many Bogleheads (and others) still discuss and explore so many variations of bond & fixed income instruments' ownership?
by Munir
Tue Jul 29, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10926

Re: Target Retirement vs Life Strategy Income

We are trying to simplify our portfolio so my wife will not have to manage our asset allocation after I pass. Either choice will work but I'm concerned about the lack of Infl. Protection in the LFI fund. Our Vang. advisor said the stock portion will be enough for that. Our AA in 30/70 Stk/Bnd. What...
by Munir
Tue Jul 29, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement vs Life Strategy Income
Replies: 7
Views: 1321

Re: POLL: Do you own corporate bonds?

From the statistics above up till now, about half of the responding Bogleheads own dedicated corporate bond funds or corporate bonds, and about another 40% own them as part of a total bond fund for a total of 90%. This is surprising because the number of posters who slam corporate bonds (usually wit...
by Munir
Sat Jul 26, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2196

Re: POLL: Do you own corporate bonds?

livesoft: is there a reason for not including the Intermediate Investment Grade Fund in your portfolio (VFIDX)?
by Munir
Fri Jul 25, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2196

Re: Adding Corporates to Total Bond Market Index

Welcome back Landy.... The most realistic solution I see for today's interest rate environment is ST IG (LT Tax-Ex in taxable) for rebalance money, which has a better interest rate rise recovery rate (yield/duration), and the rest in IT IG corporates. I don't like it, but I like it better than what...
by Munir
Wed Jul 23, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by Munir
Tue Jul 22, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Adding Corporates to Total Bond Market Index

What happened to the "stay the course" motto? I do hope you see the irony in your query. (A few years ago, "stay the course" had not yet become "stay the course -- after switching to corporate bonds.") --Peter Peter, I don't see the irony because I have always favored ...
by Munir
Tue Jul 22, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by Munir
Mon Jul 21, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: VG Admiral Fund-falling below minimum investment

If you don't want to look at all the previous topics relating to this subject, my understanding is that you will maintain Admiral status unless you withdraw funds that will make the value fall below the required minimum- i.e. a change in the NAV and the fund value because of falling prices will not ...
by Munir
Sun Jul 20, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3387

Re: Adding Corporates to Total Bond Market Index

Have call provisions and default risk been documented as signifcant factors in the performance of the Intermediate Investment Grade fund or are they just theoretical possibilities as far as this specific fund is concerned? If we are talking the VG fund then I believe it is actively managed. A coupl...
by Munir
Sat Jul 19, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by Munir
Fri Jul 18, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Adding Corporates to Total Bond Market Index

The counter argument to this, and it is a pretty sound one, is that rather than tilting more towards corporates instead slightly increase your stock allocation if you need more "yield" - i.e. return. Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. ...
by Munir
Fri Jul 18, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: What Do You Tilt to Outside of the Three Fund (at least

Do corporate bond funds such as Intermediate Investment Grade fit under other?
by Munir
Thu Jul 17, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1432

Re: Adding Corporates to Total Bond Market Index

Have call provisions and default risk been documented as signifcant factors in the performance of the Intermediate Investment Grade fund or are they just theoretical possibilities as far as this specific fund is concerned?
by Munir
Thu Jul 17, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Vanguard Inter-Term Bond Index (VBILX)

It's main drawback seems to be its longer duration compared to other intermediate bond funds- 6.5 years vs. 5.2 for Int. Inv. Gr. and 5.6 for Tot. Bond Index -which makes it more sensitive to a possible rise in rates.
by Munir
Wed Jul 16, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Inter-Term Bond Index (VBILX)
Replies: 9
Views: 1070

Re: Adding Corporates to Total Bond Market Index

Would it be reasonable to simply put corp bonds into the equity column when calculating AA? Investment grade corporate bonds are much less risky than equities. They may swing in the equity way when the market drops but far less than equities. Because they are slightly more volatile than treasuries,...
by Munir
Wed Jul 16, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: A question for the Bogleladies or those who can consult

MN-Investor wrote:
Munir wrote:PS: I noticed that only two or three women commented in the above thread. Are males the exprerts on female lingerie?


I don't know how I got counted in your summary. Should I change my shiny blue avatar to a pink one so you can tell I'm female? :P


Yep :D . Sorry for the omission.
by Munir
Tue Jul 15, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5911

Re: A question for the Bogleladies or those who can consult

How about men's underwear? Where can one get advice as to size, color, style etc..Maybe this would be a separate thread. What next for a financial forum? :happy

PS: I noticed that only two or three women commented in the above thread. Are males the exprerts on female lingerie?
by Munir
Tue Jul 15, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5911

Re: Adding Corporates to Total Bond Market Index

I think those who oppose corporate bonds totally and suggest equities instead are off the mark. The Intermediate Investment Grade fund had a temporary dip in 2008 and more than recovered in 2009 when it far surpassed treasuries. I don't think that one should exclude a class of bonds based on such an...
by Munir
Mon Jul 14, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: A question for the Bogleladies or those who can consult

Since the term Bogleheads includes men and women, a more appropriate term to use in this question might be women Bogleheads. Bogleladies suggests a reference to the women of Bogle- which I know is not the OP's intention.
by Munir
Mon Jul 14, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5911

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

pkcrafter wrote:I'd go with the LS fund.

Paul


+1
by Munir
Sun Jul 13, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2318

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

Regardless of the shortcomings of the article, I thought the subject being discussed is indexing for bond funds and comparing three Vanguard intermediate bond funds. Can we get back to these subjects?
by Munir
Sat Jul 12, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6751

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

----------------------Duration------SEC Yield---------------Av. Credit Quality Interm. Inv. Gr.------5.2------------3.25-----------------BBB Tot. Bond Ind.--------5.6------------2.59-----------------AA Interm. Bond Ind.--- 6.5------------ 2.91----------------- A *The duration of the Interm. Bond Ind...
by Munir
Fri Jul 11, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6751

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

imgritz wrote:Is this why Vanguard CFPs recommend Short-Term investment grade and Intermediate-Term investment grade to compliment the Total Bond Market index in their analysis?


+1
by Munir
Fri Jul 11, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6751

Re: The Risk of Short-term Bond Funds

Thanks. I have basically been saying this over and over again to little avail. After a while, I get to exhausted to respond anymore. If you are a retiree in his mid-seventies, you do not know how long you will live- could be three years or 20 years. My conclusion is to own bond funds of varying dur...
by Munir
Tue Jul 08, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11239

Re: Jonathan Clements WSJ: His index fund portfolio

Clements has a fairly standard Boglehead style portfolio. No surprise and maybe unexciting, but this is exactly what you want to see from someone who promotes Boglehead-style investing. Yep, he's on one of those roads to Dublin. :happy Paul Is it "a fairly standard Boglehead style portfolio&qu...
by Munir
Tue Jul 08, 2014 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements WSJ: His index fund portfolio
Replies: 13
Views: 3083

Re: Jonathan Clements WSJ: His index fund portfolio

Am I understanding him correctly that his fixed income funds are only in short term corps, CDs, and emerging market bonds?
by Munir
Sun Jul 06, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements WSJ: His index fund portfolio
Replies: 13
Views: 3083
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