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Re: Risk Tolerance vs Asset Allocation

With the important caveat that historical performance is no guarantee of future performance, I have found the allocation models to be a useful starting place as well: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations If you have real-world experience withstanding...
by PB
Sat Mar 08, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Tolerance vs Asset Allocation
Replies: 8
Views: 501

Re: Help me talk my friend into an index portfolio

Maybe focus on 3 things, using LifeStrategy Moderate Growth Fund (LS) as a comparison. I chose this because it's matches your basic 60/40 allocation, including Intl, and would automatically rebalance for him, as I presume Kroeker does. There are links to data below, and: First, the X-ray's show bett...
by PB
Thu Jan 30, 2014 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me talk my friend into an index portfolio
Replies: 17
Views: 1868

Re: Which of these 2 portfolios would you choose?

IMHO, the most important thing is this: do you want to manage the 8-fund Portfolio B? And are you able to manage it without the potential behavioral mistakes that come along with it? I ask because if you keep your AA 65/35, the volatility of the two portfolios will likely be roughly similar. But the...
by PB
Sun Jan 26, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which of these 2 portfolios would you choose?
Replies: 24
Views: 1302

Re: Recommended Reading

+1 for Elements of Investing. Haven't read the updated version, but an excellent, concise first read IMHO.
by PB
Tue Aug 13, 2013 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended Reading
Replies: 8
Views: 490

Re: Discrepancies in Today's Vanguard Pricing

Pretty sure it has to do with quarterly distributions. For example, here's a link to the 500 index fund: https://personal.vanguard.com/us/funds/snapshot?FundId=0040&FundIntExt=INT#tab=4 And here's all the funds with quarterly distributions in June: https://personal.vanguard.com/us/insights/artic...
by PB
Fri Jun 21, 2013 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Discrepancies in Today's Vanguard Pricing
Replies: 2
Views: 396

Re: A RBD ...for Bonds?

You're right livesoft, my apologies:

Total Bond: -.64%
Intermediate-Term Investment Grade: -.69%
Inflation Protected Securities: -.94%
Long-Term Investment Grade: -2.07%
by PB
Tue May 28, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1283

A RBD ...for Bonds?

After months of speculation & discussion, today's returns:

Total Bond: -.64%
Intermediate-Term Investment Grade: -.69%
Inflation Protected Securities: -.94%
Long-Term Investment Grade: -2.07%

Ouch.

(Edit: decimal points corrected)
by PB
Tue May 28, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1283

Re: What were the little things that led you to index invest

A typical (sad) story... I was with Wells Fargo Investments and my 'Advisor' recommended I purchase a basket-linked CD, a Wells Fargo one at that. Then he recommended a corporate bond, without telling me it was secondary market and there was a $450 purchase fee. Eventually, he tried to sell me a var...
by PB
Fri May 17, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3768

Re: is vanguard's 5yr web data cliff justifiable?

Agreed... time will tell.

Thanks.
by PB
Sat Apr 27, 2013 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1125

Re: is vanguard's 5yr web data cliff justifiable?

Sam I Am, You're perspective is legitimate, of course. The problem is that the website is symptomatic of a larger arrogance that I see too often with Vanguard -- that any problem or shortcoming is written off as "service to low fees." That's a risky proposition, no matter how big Vanguard ...
by PB
Sat Apr 27, 2013 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1125

Re: is vanguard's 5yr web data cliff justifiable?

Interesting link, Momar, because for Employer-based plans, Vanguard doesn't even keep 5 years online -- they only keep two. See screenshot below... the moment I enter 4/25/11 (as opposed to 4/26/11), it states in red: "You may view only up to 24 months online..." http://dezigns.com/VGHisto...
by PB
Sat Apr 27, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1125

Re: is vanguard's 5yr web data cliff justifiable?

Is vanguard's 5yr web data cliff justifiable? No. Vanguard is an outstanding company in many ways, but their online system falls short, and this issue is just one of its many shortcomings. I've written on the subject before, and will just have to smile at how many people will defend them on this is...
by PB
Sat Apr 27, 2013 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1125

Re: Update re Problems adding Grantee Online [with Vanguard]

I agree, LadyGeek - it's to VG's credit that they're providing feedback, and I will indeed allow them time to troubleshoot. With that said, however, providing feedback re a process , as opposed to a solution, has limited utility to say the least. In addition, I am honestly worried... I've had proble...
by PB
Wed Apr 10, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Update re Problems adding Grantee Online [with Vanguard]

Today's update, from the same Supervisor: "This issue is not affecting all Vanguard clients, only some; however, we don't know what's triggering it to affect those clients. At this point, our technical specialists are researching the issue to obtain more information about why it's happening, an...
by PB
Wed Apr 10, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Update re Problems adding a Grantee Online [with Vanguar

Update: I received an email response from the supervisor of Vanguard's Executive Action Response Team. He not only confirmed the technical issue, but alas, stated that he "researched my situation completely, and tried to find other ways to accomplish (adding) an agent to my brother's account, a...
by PB
Wed Apr 10, 2013 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, jaxxmjd - provides a little hope that it will be fixed sooner than later. Will keep everyone posted.
by PB
Sat Apr 06, 2013 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, DSKMD. I'm sorry to hear you're having the same problems, but it's validating, too. Appreciate it.
by PB
Sat Apr 06, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, LadyGeek - it's good to hear that people can modify an existing authorization, at least. Now if they will just fix the system to work for new authorizations. As you can tell, I'm still pretty upset with Vanguard's incompetence and arrogance. Yes, arrogance. System problems are one thing, but...
by PB
Fri Apr 05, 2013 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Hi LadyGeek, The Agent Authorization Form is indeed the same thing as the Grantee authorization... if you click the link you provided, there's immediately an option to "Complete Online," and if you click that, it takes you to the online function that isn't working! (The Grantee function.) ...
by PB
Fri Apr 05, 2013 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thank you for your responses. My brother sent me screenshots to illustrate. You can see via the first link below, that a Grantee is "someone authorized to obtain information about or transact on your accounts." I would guess this is most often a spouse, domestic partner or perhaps a very t...
by PB
Fri Apr 05, 2013 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Update re Problems adding Grantee Online [with Vanguard]

I've been a Boglehead fan for years, and a Vanguard client for years as well. I believe in their philosophy, value their corporate structure and value their low fees too, of course. But I've had more problems than I can count with their online system, and with their customer service too. The most re...
by PB
Thu Apr 04, 2013 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1660

Re: Tax Managed VS Index Funds

My guess (and it's truly a guess), is that the number of people investing in tax-advantaged accounts -- ie, 401k's, IRAs, SEPs etc -- dwarfs the number of people who have additional income to invest in taxable accounts, too. So while TSM is indeed tax efficient compared to a lot of equity funds, if ...
by PB
Sun Dec 09, 2012 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Managed VS Index Funds
Replies: 14
Views: 2041

Re: Bond funds: am I getting it?

As the OP, I just want to say thanks for the substantive discussion. I have nothing to add, though lots to learn, and it's helpful and appreciated.
by PB
Mon Nov 26, 2012 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Bond funds: am I getting it?

Thanks, Archie. Except for the muni's, they're all tax-advantaged.

Right now I'm leaning towards staying with the shorter-term bond funds. But appreciate your vote for the CD's as I learn my way through... it's helpful to hear the different points of view.
by PB
Sun Nov 25, 2012 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Bond funds: am I getting it?

Hey Nedsaid, thank you. I appreciate your encouragement and advice. Like you, I'm doing it myself too, since the crash, like a lot of people. I've read all the recommended books, lurk in the forum, etc, and it remains that some days I just don't know, especially with TIPS. But I think Mr. Bogle hims...
by PB
Sun Nov 25, 2012 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Bond funds: am I getting it?

First, I understand that brokered CD's can fluctuate in NAV, but if you hold them to maturity, then your principle is protected. So I understand this key difference. Second, Nedsaid et al: I am currently on the lower duration side, so I understand this aspect too. Overall (for better or for worse - ...
by PB
Sun Nov 25, 2012 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Bond funds: am I getting it?

Thanks for the thoughtful reply, Nedsaid. I am indeed nearing retirement, in that I'm in my mid-50's, not mid-20's. And I am very conservative, so my allocation to fixed income is much higher than most. That's why I'm paying attention and trying to learn. I do think I'm getting it, at least for nomi...
by PB
Sun Nov 25, 2012 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Bond funds: am I getting it?

Thanks, Livesoft - your point is well taken. Short-Term Investment Grade has the lowest total returns, but still roughly 4% YTD, 1 year, 5 year and 10 year. Very consistent, and certainly better than CD's right now. Thank you.
by PB
Sun Nov 25, 2012 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Bond funds: am I getting it?

Hey everyone, I'm relatively new to the Forum, which BTW, is truly an amazing resource - thank you. I'm posting because even with recent threads on bond funds and TIPS, I'm not sure I'm getting it. So I appreciate a reality check. I'll try to be brief, and also hope not to nitpick the numbers (e.g.,...
by PB
Sun Nov 25, 2012 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 1951

Re: Personal rate of return

I have complained about Vanguard's web-based system often and loudly -- it's very poorly designed and buggy in many ways. However, I think their Performance Performance tab is spot-on. I track my performance in a separate Mac application, Investoscope, and Vanguard's results match it to the penny. I...
by PB
Thu Oct 04, 2012 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal rate of return
Replies: 9
Views: 943

Re: Vanguard website new look

Sam I Am, thanks for taking the time to post... to confirm that I'm not the only one having problems with actual data -- that the issue here is not simply the look and feel of the site, it's the functionality. Of course, there are whole other threads on the Board with a large number of posters sayin...
by PB
Wed Aug 08, 2012 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

SSCritic, it's fine if you want to make jokes, but Vanguard puts the pie chart right in your face every time you log in. The pie chart that is wrong; on the page they don't allow users to customize.

The data is flat-out wrong; why do you persist in defending them?
by PB
Wed Aug 08, 2012 12:42 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

I have spoken with Vanguard and get the impression that they really don't care. To start, no acknowledgment that there are any problems, which does not bode well. I will continue to say this, too: it does matter that the Portfolio Watch doesn't work. How can Vanguard pay tribute to the importance of...
by PB
Tue Aug 07, 2012 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

The problem is that several functions don't work . Period. I don't care that the site looks bland; I don't care that it's poorly designed and that information is harder to find; I don't even care about the take-aways, like no 'YTD' option on the Performance page. I do care that the Portfolio Watch i...
by PB
Tue Aug 07, 2012 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

To prove my point: Link to Pie Chart 1, taken as I log-in to my account. Note the 3 slices: http://dezigns.com/chart1.png Link to Pie Chart 2, taken seconds later after I refresh the page. Note only 2 slices: http://dezigns.com/chart2.png I actually have better things to do; they should fix it. And ...
by PB
Mon Aug 06, 2012 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

Thanks, G12 but (1) the performance values are still incorrect on my home page; and (2) even when you select the YTD tab, once you click on the 'Performance Details' link (and are taken to the actual Performance page), presto... the YTD selection does not transfer; and as mentioned, there is no YTD ...
by PB
Mon Aug 06, 2012 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

How can you get used to it when things don't work? Every time I log in, I see an incorrect Portfolio pie chart -- with added slices. That's entire asset classes I don't own. Then refresh the page, slices gone, but percentages still way off. Every time I go to Performance tab to check YTD performance...
by PB
Sat Aug 04, 2012 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard Transaction Error?

I haven't had a transaction error, but... the new website has been a big problem, calculating many numbers incorrectly. If they're actually messing with database(s) as part of their platform development for web & mobile, then yes, I'm nervous and it's not just me -- there have been several threa...
by PB
Thu Aug 02, 2012 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transaction Error?
Replies: 7
Views: 2025

Re: Vanguard website new look

It's not the look (even though it is bland as hell), it's the functionality that's the problem. Several functions don't work, and then things like: not showing the date anywhere on the page (you have to mouse over stuff) to even see if you're looking at today's prices or yesterday's prices? VG is th...
by PB
Sun Jul 29, 2012 2:08 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Re: Vanguard website new look

I personally spoke with Vanguard too. I think everyone should until they fix it. My Portfolio Watch is way off, as is my Performance Tab. And the numbers change when you refresh the page! Unacceptable and hard to believe, really. I'd get fired if I did my job like that. PS: and you think a 'YTD' opt...
by PB
Sat Jul 28, 2012 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6575

Moderators: why do you...

... keep moving or taking down the discussions about the new Vanguard website? I'm asking respectfully, please. I started a post and it was moved; then a second person started one and now I can't find the thread at all. It is an important subject: the new website is not working properly and we deser...
by PB
Fri Jul 20, 2012 8:35 pm
 
Forum: Forum Issues and Administration
Topic: Moderators: why do you...
Replies: 6
Views: 1236

Re: Math error in Vanguard AA Holdings page

Did they move you to the new website layout? If yes, that may be the problem. I've had nothing but problems since they moved me this week, including inaccurate Portfolio Watches and Performance Returns. I'm pretty upset, actually. Asset allocation is most important of all, and yet Vanguard's own all...
by PB
Fri Jul 20, 2012 1:09 am
 
Forum: Investing - Theory, News & General
Topic: Math error in Vanguard AA Holdings page
Replies: 3
Views: 583

Re: Vanguard's New Online Interface

I'm actually starting to get upset. My Portfolio Watch keeps changing, 3-4% and more. Even worse, the Performance Tab keeps changing too. When I enter YTD dates, it always starts wrong, then only after I select certain funds, then go back to all funds, does it give me the correct performance totals....
by PB
Thu Jul 19, 2012 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's New Online Interface
Replies: 26
Views: 2627

Re: Vanguard's New Online Interface

Ditto Springman. EDIT: And I thought the funds were listed in alpha order, by symbol, but now I'm not sure how they order them. Looks like alpha by Fund Name, but I'm not sure.
by PB
Thu Jul 19, 2012 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's New Online Interface
Replies: 26
Views: 2627

Re: The Yield Trap

My thanks too, Rick -- a great public service. From my own (painful) learning curve, the WF Broker who sold me a bond some years back: he mentioned only the coupon rate, did not tell me it was selling above $100 on the secondary market, and refrained from telling me about the large purchase fee, too...
by PB
Thu Jul 19, 2012 11:29 am
 
Forum: Investing - Theory, News & General
Topic: The Yield Trap
Replies: 17
Views: 3109

Re: Vanguard's New Online Interface

And another thing... the Portfolio Watch is all messed up too. Overnight my stock/bond allocation changed by a full 2 percent. This is the biggest concern of all, because it makes me question which one is right -- the old Watch or this one?
by PB
Thu Jul 19, 2012 2:40 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's New Online Interface
Replies: 26
Views: 2627

Re: Vanguard's New Online Interface

As far as I can tell, as soon as you click the YTD link, once you transfer to the Performance page, it doesn't show YTD! It goes to the default and there's still no YTD link. How crazy is that?
by PB
Thu Jul 19, 2012 2:27 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's New Online Interface
Replies: 26
Views: 2627
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