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Re: Is Vanguard Adding Investment Grade Funds To Bond Advice

joe8d wrote:Actually, the original bond component of LS Conservative and LS Income was 60% TBM / 40% STIG.


Joe,
Are you saying they are going back to their "roots" :happy ? When did the change happen (approximately)? Did they give a reason why they totally went with TBM at the time?
by Munir
Wed Apr 16, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Adding Investment Grade Funds To Bond Advice ?
Replies: 3
Views: 476

Is Vanguard Adding Investment Grade Funds To Bond Advice ?

Sometime last year Vanguard revised its fixed income portfolio in the Target Retirement and Life Strategy funds to include the International Bond fund in addition to the Total Bond Fund. Recently, there were some comments in this Forum from some Bogleheads who received advice from Vanguard's CFPs su...
by Munir
Wed Apr 16, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Adding Investment Grade Funds To Bond Advice ?
Replies: 3
Views: 476

Re: Video: Interview with Jonathan Clements and Jason Zweig

Zweig warned against considering dividend-paying stock a source of income in the video and reminded watchers that they are STOCKS- with all the risks stocks have. In contrast, Clements praises in his column in the WSJ today (Sunday) dividend-paying stocks as a significant source of income that shoul...
by Munir
Sun Apr 13, 2014 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Video: Interview with Jonathan Clements and Jason Zweig
Replies: 4
Views: 549

Re: Annuities

Deleted.
by Munir
Thu Apr 10, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3764

Re: Bond Portion of Retirement Account

Phineas J. Whoopee wrote:Didn't Bogle originally preface the lean-more-toward-corporates advice with words to the effect of: if you need more yield?

PJW


I don't think Bogle prefaced his remarks about adding corporates to the Total Bond Fund or its index with the words "if you need more yield".
by Munir
Thu Apr 10, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Portion of Retirement Account
Replies: 7
Views: 877

Re: Annuities

Immediate Income Annuities (SPIA) are quite popular on this forum especially for people approaching or in retirement. One has to look at their own specific situation before deciding how much of one's portfolio should be committed to them. There is a lot of Boglehead literature about them, and the bi...
by Munir
Thu Apr 10, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 3764

Re: Mouthwash

My dentist recommended ACT to help prevent decay and protect enamel. It has fluoride.
by Munir
Thu Apr 10, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Mouthwash
Replies: 4
Views: 858

Re: Bond Portion of Retirement Account

I posted this question before, then read the interview with John Bogle in which he said to lean towards corporate bonds in the bond portion of your portfolio. What would be the best bond ETF for the bond percentage of my AA in retirement accounts? BND Total bond market VCSH Short term corporate VCI...
by Munir
Thu Apr 10, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Portion of Retirement Account
Replies: 7
Views: 877

Re: My Vanguard Financial Plan...additional bond funds

I'm glad Vanguard is modifying their bond fund recommendations to include the Investment Grade bond funds. It helps buttress Total Bond fund performance. Maybe they are listening to Jack Bogle's opinions on the subject.
by Munir
Thu Apr 10, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 1887

Re: Expensive med. test not covered by insurance

mojave, you have received a lot of advice on this forum. Have you decided yet on a course of action? I sent a diplomatic email to my Dr first to see what she says. I want it in writing, which is why I went the email route. I explained how I was upset by this situation and basically reiterated my in...
by Munir
Wed Apr 09, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 71
Views: 3248

Re: Expensive med. test not covered by insurance

mojave, you have received a lot of advice on this forum. Have you decided yet on a course of action?
by Munir
Wed Apr 09, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 71
Views: 3248

Re: How to account for an annuity ?

Just a quick note to Hexdump, must be an ex computer guy ?? , there won't be a remaining balance , it ends at the last to die with no leftover - unless you have some type of investment product that is called an annuity and could have a balance at the end ?? I think you need to find out and understa...
by Munir
Tue Apr 08, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1837

Re: Expensive med. test not covered by insurance

As a retired urologist, I can categorically state that your doctor's office and his staff should have known the cost of this specific test, and should have informed you at the time it was ordered. Their lack of action is unethical or demonstartes incompetence. For those apologizing for the "bus...
by Munir
Tue Apr 08, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 71
Views: 3248

Re: My Vanguard Financial Plan...additional bond funds

I like his suggestions for the tax-deferred bond funds. The three additions are good diversifiers for the Total Bond Fund.

I don't know anything about the municiapl bonds of our neighbor state to the south.
by Munir
Mon Apr 07, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 1887

Re: Why so many Bond funds

Most of these bond funds have high yield in their name, which means they are junk bonds funds in addition to their extremely high expense ratios. Is this what you want? Compare them to the Vanguard bond funds. Absolutely not! I was shocked to see so many. We don't recall ever having a discussion ab...
by Munir
Mon Apr 07, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so many Bond funds
Replies: 6
Views: 593

Re: Why so many Bond funds

Most of these bond funds have high yield in their name, which means they are junk bonds funds in addiiton to their extremely high expense ratios. Is this what you want? Compare them to the Vanguard bond funds.
by Munir
Mon Apr 07, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so many Bond funds
Replies: 6
Views: 593

Re: WSJ webcast: tapping investments and Social Security

Just in case anybody is interested, I'll be participating in a WSJ webcast today (3pm EST) about “Creating an action plan for tapping investments and Social Security in retirement.” http://www.spreecast.com/events/tap-retirement-fundssocial-security It's meant to be a companion discussion to an art...
by Munir
Mon Apr 07, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ webcast: tapping investments and Social Security
Replies: 2
Views: 339

Re: Preparing for the time to "fill-up the Bucket"

Question about the concept of buckets: as bucket #1 starts running low, I assume it is re-filled from Bucket # 2. Eventually both #1 & #2 will run dry or very low, and one will end up with an all-equity portfolio in a very late stage of life if he/she is a retiree. Am I reading this right? Or do...
by Munir
Mon Apr 07, 2014 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the time to "fill-up the Bucket"
Replies: 10
Views: 1760

Re: How to account for an annuity ?

I treated my annuities as an asset in Quicken. My yearly payout is deducted from the total amount. The year end FMV is then added back in. The form 5498 called the "Fair Market Value Account Statement" of your annuity that the insurance cumpany sends you annually often shows the current v...
by Munir
Mon Apr 07, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1837

Re: How to account for an annuity ?

Munir , it's most likely a joint and survivor annuity not a strict joint life annuity , the later wouldn't make sense & I hope that's not what he bought . I agree. I was quoting the term used by the previous poster. I checked my policies and they say joint and survivor. I don't know what joint ...
by Munir
Sun Apr 06, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1837

Re: Mark Hulbert's WSJ article

Don, thanks. Did a search and found the article titled "When Bonds Trump Gold." And these two funds keep coming up -- Vanguard Short-Term Investment-Grade Fund and the Vanguard Intermediate-Term Investment-Grade Fund. Thanks for reading. My favorite two bond funds- yield, duration, and pe...
by Munir
Sun Apr 06, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mark Hulbert's WSJ article
Replies: 5
Views: 1009

Re: How to account for an annuity ?

For those who use some kind of personal finance software like Quicken, I have some questions. We just bought an annuity for $300,000.00 and in my software, my net worth went down by that amount. Hmmm, says I, that's not right so let's fix it. I know what I did to account for it and I would like to ...
by Munir
Sun Apr 06, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1837

Re: How to account for an annuity ?

The three insurance companies I own SPIAs with send me an annual statemnt disclosing what the net woth of each annuity is- usually as of 12/31 of the previous year. It is form 5498 and called the "Fair Market Value Account Statement". Why cann't that statement suffice to tell you what your...
by Munir
Sun Apr 06, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1837

Re: International Bond Allocation?

Slightly off-topic, is Vanguard's International Bond Index fund considered a corporate bond fund, foreign government, or a mix? I could not find identifying data.
by Munir
Fri Apr 04, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1637

Re: Mayo clinic is the best clinic in America ??

thank you for all feedback--i have done the ERCP ( bile duck repaired ) at stanford but i have new problems at post procedure they dont know whta it is - that is why im going to Mayo i need to hear some one actually been treated there . ERCP does not "repair" the bile duct necessarily. Vi...
by Munir
Fri Apr 04, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2755

Re: Mayo clinic is the best clinic in America ??

[quote="jackpullo997"]What exactly does Mayo stand for?
I assume it's not the Mayonnaise Clinic.


The Mayo brothers were two well-know physicians who established the clinic long ago.
by Munir
Thu Apr 03, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2755

Re: is the Mayo clinic is the best in America ????

it's an excellent clinic but calling it the best raises more questions than answers. - The best in what field of medicine? - Which criteria are being used to call it the best? - Best is a term that can be subjective and such a characterization may be in the eyes of the beholdeth. - Other "famou...
by Munir
Thu Apr 03, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2755

Which Bond Fund Best Represents The Bond Market?

The answer to the question in the heading by Vanguard and most Bogleheads is the Total Bond Index Fund (VBTLX). Without getting into the controversy about corporate bonds, can someone educate this novice why VBTLX is more representative of the whole bond market than the Intermediate Bond Index fund ...
by Munir
Wed Apr 02, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Best Represents The Bond Market?
Replies: 5
Views: 800

Re: Vanguard role in corporate governance

What differnce do you think it would make? IMHO, it's the fad right now and will pass. When unemployment is high, it's not popular to be making a lot of money. There's no logic behind it in my opinion ... even though some exec's are paid ridiculously. Ethical corporate governance goes beyond the pa...
by Munir
Wed Apr 02, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1059

Re: Bogle: Tilt To Corporates For More Yield

If you want to chase higher returns, why not own more stocks. I'm very comfortable with TBM, as is. I agree with this. If I was going to take more risk in the bond market, I would rather do what Warren Buffett has been telling the average investor to do and just keep adding money in the Vanguard S&...
by Munir
Wed Apr 02, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5610

Re: Bogle: Tilt To Corporates For More Yield

I wish Vanguard would use the Intermediate Bond Index (VBILX) in some of its Target Retirement and Life Strategy Funds instead of sticking with the Total Bond Index (VBTLX) all the time. It would satisfy those of us who have reservations about VBTLX such as Jack Bogle, Larry Swedroe, and some ordina...
by Munir
Wed Apr 02, 2014 5:52 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5610

Re: Bogle: Tilt To Corporates For More Yield

[quote="Hector I think many bogleheads believe in maintaining AA. Investors in their accumulation phase is doing it by adding new funds. Others do it by selling appropriated asset class. For others, if something similar to 2008-09 happen, their stock portion would go down a lot more than the bo...
by Munir
Tue Apr 01, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5610

Re: Bogle: Tilt To Corporates For More Yield

I totally agree with Bogle on emphasizing corporates over Treasuries in current bond portfolios. I own no Treasuries or TIPS at all, only corporates in my tax-advantaged accounts and either money market or munis in my taxable personal account. There is some increased repayment risk in investment gr...
by Munir
Tue Apr 01, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5610

Re: New Friends are the Anti-Bogleheads, what to do?

If I cared about these people, and the subject of finance/investing comes up, I would mention that I follow Jack Bogle's principles and participate in a web site called the Bogleheads. That is not preaching nor "telling them what to do". If they bite and ask for more info, I would tell the...
by Munir
Tue Apr 01, 2014 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8285

Re: Trev H 4 Fund Portfolio - Roth vs Traditional Accounts

Can you please provide the full names of these funds? Thank you.
by Munir
Mon Mar 31, 2014 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Trev H 4 Fund Portfolio - Roth vs Traditional Accounts
Replies: 3
Views: 353

Re: Wade Pfau: retirement income strategies

I hope that Mike Piper (Oblivious Investor) will translate all this into language that average investors can understand and act on.
by Munir
Sat Mar 29, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: retirement income strategies
Replies: 17
Views: 2070

Re: Would you push for Total Bond market fund?

Angelus359 wrote:Am I the only one that thinks the Intermediate-Term Bond Index Fund, or Intermediate-Term Investment-Grade Fund would be better alternatives?


+1.
by Munir
Fri Mar 28, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 994

Re: Where to park short-term cash of 100K

Barclay's Bank Online Savings Account at 0.9 %
by Munir
Sun Mar 23, 2014 1:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to park short-term cash of 100K
Replies: 31
Views: 2704

Re: FutureAdvisor reducing exposure to US equities

A more palatable name for market timing is tactical reallocation.
by Munir
Sat Mar 22, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: FutureAdvisor reducing exposure to US equities
Replies: 10
Views: 1108

Re: Blog article: Core Four portfolios:

Too bad that the performance of the Vanguard Four cannot be compared to the Ferri Four. May be a silly question but any guesses?
by Munir
Sat Mar 22, 2014 2:04 am
 
Forum: Investing - Theory, News & General
Topic: Blog article: Core Four portfolios:
Replies: 13
Views: 2077

Re: Seriously! [Why own bonds now]

I'm relatively new to this forum but have been a Boglehead at heart for years. Am I the only one that is amazed as some of these questions and responses that go completely against the Boglehead philosophy? Trying to time in/out of Bonds is the same as trying to time the Stock Market...."Stay t...
by Munir
Fri Mar 21, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5062

Re: Seriously! [Why own bonds now]

I'm a 76 year old retiree in the distribution phase. I have stayed with my equity:fixed income allocation (OK, I've added 3% to my equities making them 38%), but diversified my fixed income among cash (other may choose CDs), intermediate and short-term bond funds. Following the three bucket concept ...
by Munir
Thu Mar 20, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seriously! [Why own bonds now]
Replies: 35
Views: 5062

Re: Fund Decision

How about attaching names to all these acronyms?
by Munir
Wed Mar 19, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Decision
Replies: 17
Views: 1440

Re: True Detective anyone?

Watched all the episodes over the weekend on "On Demand". There were a few interesting episodes in the middle, but when it was over, it was generally disappointing. -The Rust character went over the top. His rambling monologe at the very end while leaning on Marty outside the hospital and ...
by Munir
Mon Mar 17, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5127

Re: True Detective anyone?

Nothing to do with investing, but I am curious If anyone else has found this show interesting? Also curious if there are any boglehead detective fiction readers who could recommend a similar type novel? Best detective show i've seen for many years is the British "Scott & Bailey" curre...
by Munir
Tue Mar 11, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5127

Re: VSCSX vs VCSH; bond mutual fund vs ETF dividend reinvest

livesoft wrote:I type very fast, so hardly any time was invested into this.


I type slow. You win :D
by Munir
Mon Mar 10, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSCSX vs VCSH; bond mutual fund vs ETF dividend reinvestment
Replies: 3
Views: 276

Re: VSCSX vs VCSH; bond mutual fund vs ETF dividend reinvest

We own shares of two different share classes of the Vanguard Short-term Corporate Bond index fund. VSCSX is the Admiral share class and VCSH is the ETF share class. This post is about the difference in automatic reinvestment of the monthly dividends of a bond mutual fund and a bond ETF. The mutual ...
by Munir
Mon Mar 10, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSCSX vs VCSH; bond mutual fund vs ETF dividend reinvestment
Replies: 3
Views: 276

Re: Total Market Bond Fund vs Intermediate Term Fund

I chose the Vanguard Intermediate Term Index Fund over the Total Bond Market Fund because of it's allocation balance. I felt more comfortable owning a bond fund that held a constant 50/50% between corporates and treasury issues. After reading a few books on bonds, I wasn't sure I really wanted to i...
by Munir
Mon Mar 10, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 27
Views: 2246

Re: RightSource--Mail Order Drugs

Sometimes it helps in resolving problems if one asks to speak to a pharmacist and not just to the rep who answers the phone.

Their communication system with physician offices is less than optimal.

Keep checking online for status of an order and keep calling with reminders if they are late.
by Munir
Mon Mar 10, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: RightSource--Mail Order Drugs
Replies: 10
Views: 702

Re: Total Market Bond Fund vs Intermediate Term Fund

McNewton - What is the symbol for the I-T bond fund to which you refer? There are several such funds. I assume it is VBIIX (VBILX FOR Admiral) with a duration of 6.4 years, 50% treasuries, and no MBS. It's only drawback for me is the relatively longer duration than other intermediate bond funds. Se...
by Munir
Sun Mar 09, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 27
Views: 2246
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