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Re: Help with asset allocation and types of Bonds

... Thanks for answering (RetiredinKaty + Chicagomedstudent) I got the wrong TIPS. I meant VIPIX which is long term TIPS. I thought by adding TIPS I would increase my bond return, as they would give at least 2-3 %, which is average inflation, while VBTLX( total bond) yield is just 2%. Also when I b...
by Phineas J. Whoopee
Sat Dec 20, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation and types of Bonds
Replies: 7
Views: 576

Re: Tax loss harvesting in excess of $3000

I endorse the previous posts, not that anybody cares about my endorsements :wink: , and also want to say welcome to the forum!
PJW
by Phineas J. Whoopee
Fri Dec 19, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting in excess of $3000
Replies: 15
Views: 1124

Re: Schwab online portfolio checkup tool

Both include so-called Yankee bonds , that is, US dollar denominated bonds issued under US law and trading in the US from US branches of foreign banks. It isn't clear to everybody whether those are foreign or domestic bonds. Some websites, evidently including Schwab's, report them as foreign. There ...
by Phineas J. Whoopee
Fri Dec 19, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schwab online portfolio checkup tool
Replies: 2
Views: 276

Re: [Why did my fund suddenly drop in value?]

ram, will you please report back so we can see whether L's racket-based prediction came true? Thanks in advance.
PJW
by Phineas J. Whoopee
Fri Dec 19, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 136
Views: 11494

Re: [Why did my fund suddenly drop in value?]

... I assume things will catch up in a couple of days. Yes, that's what you should expect. Reinvestments of this week's distributions in Vanguard's mutual funds should show up online by tomorrow morning. The cash payout date for several funds is Monday, so it might not be until Tuesday or later tha...
by Phineas J. Whoopee
Fri Dec 19, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 136
Views: 11494

Re: Supplementing Health Insurance

... With the new(ish) health care law I think you've now got the right information as long as you're in one of their approved plans. Aside from the diminishing number of grandfathered ones, all US health insurance plans must conform to the ACA's essential benefits requirements, as recently and cond...
by Phineas J. Whoopee
Fri Dec 19, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supplementing Health Insurance
Replies: 3
Views: 261

Re: Supplementing Health Insurance

Annual and lifetime limits are illegal under the ACA, but the problem of an out-of-network provider treating a person without h/er/is knowledge or even ability to consent, and then subjecting h/er/im to balance billing , remains. There have been examples running over one hundred thousand dollars. Ne...
by Phineas J. Whoopee
Fri Dec 19, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supplementing Health Insurance
Replies: 3
Views: 261

Re: ACA Automatic Renewal Confirmation Question

Hi Randy, My suggestion is to check with the insurer to be certain, whether or not one received confirmation from the exchange. It's the same principle as checking the insurer's list of participating providers first, then phoning the provider's office to ask them whether they participate, to be cert...
by Phineas J. Whoopee
Fri Dec 19, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Automatic Renewal Confirmation Question
Replies: 1
Views: 186

Re: [Why did my fund suddenly drop in value?]

Leeraar wrote:...
My suggestion to lock the thread was to stop snarky responses, presuming there is an adequate explanation available.
...

Hoping I'm not crossing into politics due to the verbal resemblance, the solution is for members to self desnark.
PJW
by Phineas J. Whoopee
Fri Dec 19, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 136
Views: 11494

Re: Why did FSTVX drop in value Friday?

Most likely because it distributed a dividend and/or capital gains today, although I didn't find definitive evidence on their website (it may go there tomorrow). When a fund makes a cash distribution it comes directly out of the Net Asset Value, because the fund owns less stuff. If you're a sharehol...
by Phineas J. Whoopee
Fri Dec 19, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did FSTVX drop in value Friday?
Replies: 5
Views: 688

Re: [Why did my fund suddenly drop in value?]

Indeed if there's a question which persistently comes up we should focus on persistently answering it, or fail in our purpose.
PJW
by Phineas J. Whoopee
Fri Dec 19, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 136
Views: 11494

Re: teaching / "confessional debugging" and brain stimulatio

Because although you already know the facts, you must, cannot avoid, even in the areas where you didn't realize you hadn't, integrate the knowledge into coherent concepts in order to teach it. If you want to really learn something, teach it. If you want to discover your own blind spots in a subject,...
by Phineas J. Whoopee
Fri Dec 19, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: teaching / "confessional debugging" and brain stimulation
Replies: 6
Views: 469

Re: Why Vanguard Pacific fund tanks when Pacific markets soa

It just paid out a $0.116 per-share distribution, and said amount comes directly out of the Net Asset Value. The reinvest date is today, so you should see its effect on the website by tomorrow morning. If you're taking the dividend out of the fund in cash the payable date is Monday.
PJW
by Phineas J. Whoopee
Fri Dec 19, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard Pacific fund tanks when Pacific markets soar?
Replies: 6
Views: 851

Re: Barclays - Increased Savings APY from 0.90% to 1.00%!

A few days ago, Ally increased its rate for online savings from 0.90% to 0.95%. It looks likes today the rate is up to 0.99%. Yes, I see that, and it's still sixth-highest as reported by Bankrate; however, Treasury finished selling the last of its Ally Financial stake this week (at around a two bil...
by Phineas J. Whoopee
Fri Dec 19, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays - Increased Savings APY from 0.90% to 1.00%!
Replies: 6
Views: 879

Re: Is it safe to use a credit card at Target?

I would only use my debit card as an ATM card on my own bank network. . That does not make a transaction any more secure. Assuming you're talking about using a debit vs. a credit card at a retailer, with a debit card there's less financial intermediation. Your bank is an intermediary, but will imme...
by Phineas J. Whoopee
Fri Dec 19, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 22
Views: 1309

Re: VTI went up, but VTSMX went down

it says none received It went ex-dividend today , so the payout is subtracted from what otherwise would have been the Net Asset Value. The re-invest date is today, so by tomorrow morning you should see it on the website. If you're taking the dividends in cash the payable date is Monday. Just to com...
by Phineas J. Whoopee
Fri Dec 19, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 14
Views: 1297

Re: Thoughts (2) on Vanguard distributions

SEC yield is a 30-day average of Y[ield] T[o] M[aturity], so no it will not "hold" in the face of changing net asset values, or changes in the values of directly-held bonds, because it's always calculated with respect to the most recent market price . The distribution yield changes just as...
by Phineas J. Whoopee
Fri Dec 19, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts (2) on Vanguard distributions
Replies: 1
Views: 601

Re: long term capital gains in 15% bracket

I'm in the 15% tax bracket and have a taxable account whose gains just became long term. The are in a Target Retirement 2030. Should/can I just sell them to reset the cost and buy a Lifestrategy or different Target Retirement? Yes, although please keep in mind the capital gain adds to your income f...
by Phineas J. Whoopee
Fri Dec 19, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gains in 15% bracket
Replies: 5
Views: 932

Re: Is it safe to use a credit card at Target?

Hi Non7WoodUser, and welcome to the forum! Target may still be vulnerable, but so might anybody else. In the US credit cards have good fraud protection, and their issuers are intermediaries in the transactions, so no, other than the possibility of a bit of hassle I wouldn't worry about using a credi...
by Phineas J. Whoopee
Fri Dec 19, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 22
Views: 1309

Re: VWINX declining, any ideas why?

... We may well be talking around each other. Of course the $ value of the portfolio, market action notwithstanding, is the same before and after the distribution. If that is what you are saying I agree. However, you are giving the impression, IMO, that therefore, the dividend and CG is meaningless...
by Phineas J. Whoopee
Fri Dec 19, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3702

Re: Performed backdoor Roth and accountant did not file 8606

So you're suggesting we might chuck obfuscation out the window, are you?

It's such a crazy idea it just might work!

PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 50
Views: 3260

Re: Term life insurance- I don't have it. Do I need it?

Term rather than whole is right. I don't know enough to validate the rest of your numbers. I'd err on the side of caution, if it were me (which it isn't because I have no dependents now; and there are enough tissues to educate medical students and feed whatever's left to the fishies; and money enoug...
by Phineas J. Whoopee
Thu Dec 18, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1359

Re: Brokerage option for 401k question

When held directly Fidelity Spartan funds have a minimum of $2500. Spartan Advantage funds, with lower expense ratios, require $10,000 each.

In a 401(k) brokerage window it may be, I don't know if it's the case for you, the minimums are lower. It's best to check directly with your employer.

PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage option for 401k question
Replies: 1
Views: 247

Re: Performed backdoor Roth and accountant did not file 8606

I'm reminded of reports here, years ago, that people went to their bank tellers and asked for iBonds [sic] and the tellers didn't even know what they were talking about! Just because something is Bogleheads slang doesn't necessarily mean everybody else in the world recognizes the term. "Backdoo...
by Phineas J. Whoopee
Thu Dec 18, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 50
Views: 3260

Re: ACA insurance Q... for 26 yo child coming off my insuran

What will this 26-year-old child do when, not if, you're no longer available to manage her financial affairs?
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA insurance Q... for 26 yo child coming off my insurance
Replies: 8
Views: 1181

Re: Term life insurance- I don't have it. Do I need it?

... The answer is yes. But how much do I need? My employment has life insurance for 0.5 M. Wiki has a work sheet but is there something simpler? Or is that enough? Thanks How much are your family's annual expenses; how much has to be available for college tuition and when; how many years is it befo...
by Phineas J. Whoopee
Thu Dec 18, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1359

Re: VWINX declining, any ideas why?

... Distributions are not "cash flows it already received as dividends and interest from its underlying holdings" only. They also include cash flows from realized capital gains. Very true, and a valid criticism of my post. Most of Wellesley's distribution yesterday was not dividends but C...
by Phineas J. Whoopee
Thu Dec 18, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3702

Re: Real Estate property vs index funds for kids

Are "the kids" interested in real estate management careers? If not, you'll be constraining them. Even though for a price much of the day to day detail can be farmed out, they'll still be owners and landlords and therefore will bear the burdens, legal and otherwise. I'd go with the funds a...
by Phineas J. Whoopee
Thu Dec 18, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate property vs index funds for kids
Replies: 10
Views: 970

Re: VWINX declining, any ideas why?

Every year this question arises, without fail. Therefore I'll take advantage of it as a potentially teachable moment. OP - when an equity-including fund makes distributions, they're of cash flows it already received as dividends and interest from its underlying holdings. The value of that cash is r...
by Phineas J. Whoopee
Thu Dec 18, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3702

Re: myRA up and running, but worth it?

From the terms link: Termination at $15,000 or Thirty (30) years. The Retirement Savings Bond held in your myRA will stop earning interest when your myRA balance reaches $15,000 in value or thirty (30) years after your myRA is opened and first funded, whichever comes first. Furthermore: ... At that...
by Phineas J. Whoopee
Thu Dec 18, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1899

Re: VWINX declining, any ideas why?

Might it be partially due to the $0.672 (investor shares) or $1.639 (Admiral shares) per share, 2.7% distribution that just took place?
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3702

Re: myRA up and running, but worth it?

Note that it's only available to those ... whose employers do not offer their own retirement plan, like a 401(k) or 403(b). Where do you see that? (The rest I agree with). It says "it is a good option for people without access to employer-sponsored retirement savings plans" but I can't se...
by Phineas J. Whoopee
Thu Dec 18, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1899

Re: myRA up and running, but worth it?

There will be a few bogleheads who use this to put $14,500 in the G fund. That's probably worth a few hundred a year over the alternatives. We see plenty of cases of jumping through smaller hoops for a lot less. Note that it's only available to those with earned income, and whose employers do not o...
by Phineas J. Whoopee
Thu Dec 18, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1899

Re: myRA is now open

Barry's response is better than mine was.
PJW
by Phineas J. Whoopee
Thu Dec 18, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1899

Re: Help me choose a bond fund

If her 401(k) offers a better bond fund than PIMCO Total Return (and not all of us will agree on what's better, as evidenced by mptfan's post above), you could allocate all 16% there to it, and reduce PIMCO in your 401(k), replacing it with, presumably, a good stock fund. Other than that I can see y...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a bond fund
Replies: 9
Views: 1297

Re: Timing to rebalance portfolio

Hi js101, and welcome to the forum! Three points in response: 1) Nobody successfully times the market in any persistent manner. It's better to adopt a strategy which doesn't depend on predicting future returns; 2) Because one's income and often healthcare are bound to one's employer, it's extra risk...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing to rebalance portfolio
Replies: 4
Views: 598

Re: Max my 401K early, how to maximize employer match?

When I was under those constraints, with an employer that didn't allow after-tax contributions, I worked out how much setting the percentage to get the full match added up to, subtracted that from my maximum contribution, and upped the percentage during the early part of the year to make up the diff...
by Phineas J. Whoopee
Thu Dec 18, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Max my 401K early, how to maximize employer match?
Replies: 13
Views: 1491

Re: Jim Otar's Retirement Optimizer Calculator

I've not paid the money to find out about the calculator, but one thing I will say based on reading his book is Otar doesn't like Gaussian distribution assumptions, that is, assuming a normal distribution, for future financial returns; so he invented, in his word, aftcasting, to replace forecasting....
by Phineas J. Whoopee
Wed Dec 17, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Otar's Retirement Optimizer Calculator
Replies: 1
Views: 579

Re: 2x Leveraged ETFS

Thanks, the consensus seems unanimous --- I'll sell my shares tomorrow and then maybe just stick what's leftover into United States Oil ETF (USO) (what I should of done instead of UCO) or just stop investing in oil altogether. :| :oops: Stop investing in instruments you don't understand altogether....
by Phineas J. Whoopee
Wed Dec 17, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1076

Re: 2x Leveraged ETFS

Well I'm sure I'm not the only one who has been fooled by leverage funds by thinking double the return double the money right? So the million dollar question is should I sell and take my loss? I'm sure you're right on the first, and the answer to the second is absolutely yes. What difference would ...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1076

Re: Risk-Adjusted Equity Returns - CAPM vs. Fama-French

Hello Bogleheads, I'm newly register on the forum, and this is my first post. Please bear with me while I try to get the hang of this... Welcome! For quite some time I've been trying to get a concise answer to the following question: "On a risk-adjusted basis , how does the single-factor capit...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Risk-Adjusted Equity Returns - CAPM vs. Fama-French
Replies: 15
Views: 919

Re: 2x Leveraged ETFS

Short term means less than one trading day. It means not staying in them overnight. They don't work the way people think they might based just on their names. They have built-in losses all but guaranteed over time, and the longer the time, outside of a single trading day, the more certain the losses...
by Phineas J. Whoopee
Wed Dec 17, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: 2x Leveraged ETFS
Replies: 16
Views: 1076

Re: Bogle: How Bond Indexing Could Be Better

Question: Didn't Mr Bogle develop Vanguard's TBM product? ... To the extent he and his team chose Lehman's US Bond Index to follow, yes. To the extent Barclays bought that part of Lehman's business after the latter's bankruptcy in the financial crisis, and later introduced the US Aggregate Float Ad...
by Phineas J. Whoopee
Wed Dec 17, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1270

Re: Vanguard's stockpickers outperform.... [news article]

toto238 wrote:...
Did you remember to include investor and Admiral shares?

And Institutional and Institutional Plus shares, and Signal shares if there are any left?
PJW
by Phineas J. Whoopee
Wed Dec 17, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 14
Views: 1928

Re: Bogle: How Bond Indexing Could Be Better

toto238 wrote:...
It's a philosophical question more than anything else.

And as I noted above the philosophical question, to the extent it is one, has been answered for TBM, and it doesn't count Treasury debt held by the US government, the Fed, or any other national government.
PJW
by Phineas J. Whoopee
Wed Dec 17, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1270

Re: Help me understand taxes with non-retirement accounts

In reply to your other question, rebalancing from total stock to total bond will most likely realize a capital gain, given what's happened with stocks in the past few years, mostly long-term but maybe some short-term as well depending on which cost basis method you use, and that also will need to be...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 29
Views: 2468

Re: Managed Growth Portfolio

Vanguard's Managed Payout Fund invests very aggressively, much more so than many retirees would want. It strives to keep pace with inflation but uses no mechanism by which it can reliably do so, especially not over the short to intermediate term. Its method of paying out 4% annually will include ret...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managed Growth Portfolio
Replies: 3
Views: 623

Re: Total stock market funds - is real estate accounted for?

You've exposed a rift that sometimes shows up here. In terms of the total stock market, real estate is included at market cap, including real estate held by non-REIT firms for their own purposes. In terms of its share in the total economy real estate is not well represented. The "total" re...
by Phineas J. Whoopee
Wed Dec 17, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total stock market funds - is real estate accounted for?
Replies: 8
Views: 708
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