Search found 1957 matches

by Munir
Thu Aug 27, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 3576

Re: Floss aversion

Dental tape. It does not break. Saves money :D .
by Munir
Mon Aug 24, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 183
Views: 12794

Re: The Bogleheads' Silent Majority

cfs reminds me of a priest in a confessional who is blessing everyone who stops by :happy .
by Munir
Mon Aug 24, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

A few weeks ago I transferred a bunch of money from my bond-heavy balanced fund in my IRA into Total Stock Market ... Now it looks like I will be reversing this failed "strategy" :D . Ha ha funny joke. :wink: I should have explained that by reversed strategy I meant that I will be withdra...
by Munir
Sun Aug 23, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Agree with the numerous other posters that this is just a bump. A blip. A relative nothing. I say that based on: 1- Our specific frame of reference for market turbulence (invested through far bigger dips before) 2 - Our investing horizon (many decades to go) 3 - Our asset allocation (relatively con...
by Munir
Sat Aug 22, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Boo-hoo. A few weeks ago I transferred a bunch of money from my bond-heavy balanced fund in my IRA into Total Stock Market in order to use that money for my RMDs in the next 2-3 years. The assumption was that stock funds will do better than bond-heavy balanced funds in this period and I didn't want ...
by Munir
Fri Aug 21, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

Thank God I'm in 50% bonds and 10% cash. But as a retiree in my late seventies, this still hurts.
by Munir
Thu Aug 20, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 9684

Re: anyone treating this as an RBD (really bad day)

Ins't it interesting to see so many people who love severe down days because they allow them to invest all that cash that has been waiting on the sidelines for such an occasion. I wonder what that cash does the rest of the year when there are no down days. I also wonder what they do when there is a ...
by Munir
Sat Aug 08, 2015 10:02 am
Forum: Investing - Theory, News & General
Topic: Why hold corporate bonds?
Replies: 47
Views: 4327

Re: Why hold corporate bonds?

Robert T wrote:.
For a equity oriented portfolio (75% stock) I see not [sic] compelling evidence to include coporate [sic] bonds in fixed income portion. Have not been disappointed to far.

Robert
.


How about a 70% fixed income portfolio?
by Munir
Thu Aug 06, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout vs. Target Income
Replies: 13
Views: 843

Re: Managed Payout vs. Target Income

But isn't Target Retirement with its 70% fixed income (mostly bond funds) going to suffer significant losses in the near term IF interest rates rise? If a retiree mostly depends on it for income, it could be scary scenario. If you're suggesting that they should put more into stocks, that is even sc...
by Munir
Thu Aug 06, 2015 5:06 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout vs. Target Income
Replies: 13
Views: 843

Re: Managed Payout vs. Target Income

But isn't Target Retirement with its 70% fixed income (mostly bond funds) going to suffer significant losses in the near term IF interest rates rise? If a retiree mostly depends on it for income, it could be scary scenario. If you're suggesting that they should put more into stocks, that is even sc...
by Munir
Thu Aug 06, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout vs. Target Income
Replies: 13
Views: 843

Re: Managed Payout vs. Target Income

But isn't Target Retirement with its 70% fixed income (mostly bond funds) going to suffer significant losses in the near term IF interest rates rise? If a retiree mostly depends on it for income, it could be scary scenario.
by Munir
Wed Aug 05, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 954

Re: Anyone using Vanguard's RMD service?

Christine_NM wrote:Hi Munir -

I thought I made it clear -- health issues. Also, I don''t want a lot of growth in my IRA, it would only make the following year's RMD larger. But I have no objection to growth in my Roth or taxable account :D


Makes sense. Thanks.
by Munir
Wed Aug 05, 2015 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 954

Re: Anyone using Vanguard's RMD service?

I use it. The only financial obligations I have during the year can be done in one transaction -- take the RMD and pay the safe-harbor amount of federal and state taxes. Safe-harbor amounts consume more than half the RMD. I specify one of my taxable funds to receive the rest. I suppose you can drib...
by Munir
Wed Aug 05, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 954

Re: Anyone using Vanguard's RMD service?

I have a classic Vanguard three-index fund IRA and was wondering, when I have to start taking RMDs will Vanguard draw down from each fund in such a way as to maintain my asset allocation? Will I have to give specific, fund by fund instructions on where I want the withdrawals to come from? You need ...
by Munir
Tue Aug 04, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX for Emergency Fund
Replies: 10
Views: 963

Re: VBILX for Emergency Fund

When most investors refer to an emergency fund, they mean a very stable & safe fund where its NAV changes very little, and the money is easily accessible for emergencies. Such a fund often has a low total return and low yield. Intermediate bond funds, such as VBILX, do not fit such a description...
by Munir
Sun Aug 02, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11072

Re: Retirees: Questions you hate being asked

Since I've been retired a few years now, sometimes I get asked questions that I don't understand or that annoy me. Was wondering if there are questions that you dislike, don't understand or feel are off limits. My pet peeve is: "what do you do all day?" Question: what do you do all day? A...
by Munir
Sat Aug 01, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172299

Re: What Movie Have You Recently Watched?

joe8d wrote:
denismurf wrote:Thanks to Lady Geek for reminding us that American Sniper is a movie, meant to entertain, not a partisan screed disguised as entertainment.


Not to entertain, but to inform and was not one sided.


Glorification of killing leads to murder on our streets.
by Munir
Sat Aug 01, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1932
Views: 340488

Re: U.S. stocks in freefall

abuss368 wrote:Are we in freefall? Is this a back up the truck moment?


What kind of a question is this?
by Munir
Fri Jul 31, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Costco for hearing aids
Replies: 13
Views: 964

Re: Costco for hearing aids

Costco has been great.
by Munir
Wed Jul 29, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1547

Re: 2015 RMD

Thanks for sharing, Don. When we start Roth conversions we'll only have about 10-12K in taxable income. I never thought about "over-holding on pension income". I was going to pay the taxes out of another account. However, having the taxes come out of our pension would reduce our taxable i...
by Munir
Tue Jul 28, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1547

Re: 2015 RMD

Why should you need a time interval between the RMD withdrawal and the conversion? Both can be done in the same week or month. Actually, I do my RMD on the first business day of the year by transferring a stock index fund from an IRA to a taxable account in the same equity index fund. Then I do a R...
by Munir
Tue Jul 28, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1547

Re: 2015 RMD

Why should you need a time interval between the RMD withdrawal and the conversion? Both can be done in the same week or month.
by Munir
Mon Jul 27, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1547

Re: 2015 RMD

I am in a somewhat similar situation and will wait till December to decide if my RMD will come from my recently purchased Total Stock Market Fund or from my balanced fund (66% bond). I usually take my RMD in December anyway. I don't have the option of waiting until December. I am doing Roth convers...
by Munir
Mon Jul 27, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1547

Re: 2015 RMD

I am in a somewhat similar situation and will wait till December to decide if my RMD will come from my recently purchased Total Stock Market Fund or from my balanced fund (66% bond). I usually take my RMD in December anyway.
by Munir
Sun Jul 26, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2810

Re: Vanguard Account Hacked

I can understand the distress caused by having your account hacked and empathize with you. But if you cannot, or will not, provide any details on what actually happened, then I respectfully question the value of your post to the Forum members .
by Munir
Sat Jul 25, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2592

Re: Lesson learned about RBD

Yes, it was livesoft. Here is a recent post on the subject: https://www.bogleheads.org/forum/viewtopic.php?p=2303630#p2303630 But I don't expect folks to read it because they already have pre-conceived notions of what the RBD strategy is. livesoft from above link: " After many years of practic...
by Munir
Sat Jul 25, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2592

Re: Lesson learned about RBD

Lynette wrote:Does anyone know who invented the acronym RBD?


Wasn't it livesoft?
by Munir
Thu Jul 23, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1563

Re: Today's Vanguard Webinar On Bonds

Did you submit your questions at the same time you registered? If so, I think there's a better chance that some of those got asked as opposed to those sent in during the broadcast. Good point. I submitted my questions during the broadcast.They did specify that 2-3 questions they answered were "...
by Munir
Thu Jul 23, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1563

Re: Today's Vanguard Webinar On Bonds

I viewed the Webinar and as usual it was well done. I was disappointed that not a single question was included about retirees and the problems they face or how their bond holdings might differ from investors in the accumulation phase I submitted a couple of Qs along those lines but neither was addr...
by Munir
Thu Jul 23, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1563

Today's Vanguard Webinar On Bonds

I just finished watching (and trying to participate in ) Vanguard's Webinar on the current status of bonds and bond funds. I was disappointed that not a single question was included about retirees and the problems they face or how their bond holdings might differ from investors in the accumulation p...
by Munir
Mon Jul 20, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: VBILX vs VBTLX for 3 fund portfolio
Replies: 14
Views: 1288

Re: VBILX vs VBTLX for 3 fund portfolio

According to M*, VBILX has a higher return but has slightly more risk and longer duration. Is the risk and duration difference worth the higher return is in the eyes of the beholder. PS: If you belong to the school that wants only safety and a ballast from the bond funds, then VBTLX might be best. I...
by Munir
Mon Jul 20, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: VBILX vs VBTLX for 3 fund portfolio
Replies: 14
Views: 1288

Re: VBILX vs VBTLX for 3 fund portfolio

Which is more sensitive to rising interest rates: quality corporate bonds or US treasuries & government -backed issues? Would such a difference be more or less significant than a difference in duration in the current environment of rising rates?
by Munir
Fri Jul 17, 2015 6:55 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX vs VBILX
Replies: 10
Views: 1930

Re: VBTLX vs VBILX

Hi I am holding the Intermediate Bond Index with some 5-10 year outlook money, basically I just have the total market index and Intermediate Bond Index at 80/20 allocation Should i buy the total bond index ? or should I just stay with the Intermediate Bond Index, with interest rates going up at som...
by Munir
Tue Jul 14, 2015 11:40 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8302

Re: Jack Bogle in this Month's Money Magazine

Isn't it dangerous to "fall in love" with a mutual fund? :happy
by Munir
Tue Jul 14, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Bond duration question
Replies: 19
Views: 853

Re: Bond duration question

Apologize if this was asked before Lets say I have $100,000 in bond fund with 2 percent yield and 5 year duration Interest rates go from 2 percent to 5 percent, so my principal goes down $15,000 ( 3 percent times 5 yeR duration) My $15,000 loss is offset by increase of interest 3 percent of $85,000...
by Munir
Thu Jul 09, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Total Bond and Intermediate Term Investment Grade
Replies: 18
Views: 1946

Re: Total Bond and Intermediate Term Investment Grade

The vanguard intermediate term investment grade is an actively managed fund that is mostly corporate issues. There is also the intermediate index which tracks the 5-10 gov/credit which is maybe what you are talking about, I am not sure which one jack bogle owns. I own both the intermediate index an...
by Munir
Wed Jul 08, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Distribution question. Can this forum provide better customer service than Vangard!?
Replies: 25
Views: 1824

Re: Distribution question. Can this forum provide better customer service than Vangard!?

My interpretation of what the OP said is that he received a distribution(s) of $285 which reduced his $40,000 purchase to a $39,715 value. For some reason, this has puzzled him since his expectations were different.
by Munir
Fri Jul 03, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

DSInvestor,

Does the reverse situation to what you described in your last post also apply? i.e. a drop in the NAV of the bond funds which worries me more than a drop in equities.
by Munir
Fri Jul 03, 2015 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

I assume that the Target Retirement 2010 fund VTENX matches your desired asset allocation. If so, you can be assured that every purchase or redemption will be handled in a manner that maintains the fund's (and your) asset allocation. That's one of the benefits of holding these types of funds. Thank...
by Munir
Thu Jul 02, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1696

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

In evaluating and comparing bond funds, one needs to look at the yield, duration, credit risk, consistence of performance, and how the fund behaved in previous environments such as a rising interest rate environment. Different people will have different expectations from their bond funds depending o...
by Munir
Wed Jul 01, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 23
Views: 3687

Re: Pick One of Three! Vanguard Balanced Funds

How about knowing how each has behaved in the past in a rising interest rate environment and what its duration and credit risks are before deciding on '"liking" or "disliking" a fund?
by Munir
Mon Jun 29, 2015 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1696

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

The Bond Index fund has a longer duration (6.5 years) than the Investment Grade fund (5.5 years), and therefore, more risk if /when rates rise.
by Munir
Sun Jun 28, 2015 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

[quote="ResearchMed" By the way, this "exchange" - simply selling a fund in the IRA and buying the same fund in the taxable account - does not in itself help with the RMD. One must add a third step - then or later - of actually withdrawing the necessary RMD (or more) from the IRA...
by Munir
Sun Jun 28, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

Thank you for all the thoughtful responses which generally are in agreement with each other. My conclusions are: 1. I have to take a RMD and I have to pay taxes on that distribution/withdrawal. 2. I can take the RMD in cash by selling shares from my WTENX or I can transfer (or sell & buy) shares...
by Munir
Sat Jun 27, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: RMDs as "Transfer In Kind"
Replies: 7
Views: 891

Re: RMDs as "Transfer In Kind"

If the fund being "transferred" from the IRA is a high dividend fund (i.e. a bond or a balanced fund), does one really want it in a taxable account? Maybe this transfer process applies more to equity funds only. BTW, I checked with Vanguard and they do allow such a transfer even if one doe...
by Munir
Sat Jun 27, 2015 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

An in kind distribution to satisfy an RMD prevents having to sell the shares and/or repurchasing them in taxable, however it does eliminate the strategy of using withholding from the IRA distribution in lieu of paying quarterly estimates. Correct. What you describe is what I had been doing every De...
by Munir
Sat Jun 27, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

Lafder wrote:Does that mean you pay the income tax due when the transfer is made on the entire amount you transfer, since it is a distribution, and the value at that time is the new cost basis in the taxable account? Does this solve the problem you were trying to solve ?

lafder


Yes & yes.
by Munir
Sat Jun 27, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

RM, Just called Vanguard and they said it's no problem to transfer the shares from my IRA to my personal account with Vanguard. This will satisfy the RMD, and I can pay the taxes on the value of the shares transferred with the emergency fund assets thus not having to liquidate any VTENX shares at th...
by Munir
Sat Jun 27, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

Research Med (RM):

Great suggestion. I will check with Vanguard and see if I can transfer VTENX shares from my IRA to my personal account without selling them. I will report back. Thanks.
by Munir
Sat Jun 27, 2015 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6363

Re: Risks of RMD Withdrawal From A Single Fund IRA

I appreciate all the responses, and will deliberate over them. My problem is that the RMD is used as my spending money i.e for living expenses. I have an emergency fund in after-tax funds that I hate to tap into. I need to re-think the arrangement so that I can avoid using the RMD from VTENX for sp...

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