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Re: What's a reasonable composite expense ratio?

Our average ER is .12%. 99.9% of our holdings are in index funds or ETFs. The funds are all Admiral funds.
by artthomp
Sat Mar 15, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3333

Re: Retiree sees the light - how do I get there?

I'm 74 years old this month and I model my allocation plan after Vanguard's Retirement Income mutual fund which is 100% index fund based. The allocation is as follows for this fund. Ranking by Percentage Fund Percentage 1 Vanguard Total Bond Market II Index Fund Investor Shares* 39.4% 2 Vanguard Tot...
by artthomp
Fri Mar 07, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree sees the light - how do I get there?
Replies: 11
Views: 1580

Re: Mutual Funds vs. ETF's

Forgive me... I don't understand the point about rebalancing. The point is that you need to wait for the sale to complete before can place an order for the purchase? I take the point about fractional shares, but rebalancing to an accuracy of one ETF share would usually be close enough... although t...
by artthomp
Sun Feb 23, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 2335

Re: Mutual Funds vs. ETF's

An additional advantage of mutual funds versus ETFs at Vanguard is that you recieve your transaction tax information (capital gains and losses) in January for mutual funds instead of mid to late February for brokerage funds (individual stocks or ETFs). I just recieved my brokerage statement through ...
by artthomp
Mon Feb 17, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 2335

Re: IRA Required minimum distribution question

If you have your IRA at Vanguard, they have an RMD service and will calculate the amount for you. I use the table in Pub 590 and my results agree with Vanguard, to the penny. Jeff I'm not calculating the RMD for each account. I'm adding up all the accounts and dividing the sum. I suppose I might be...
by artthomp
Sat Jan 04, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Required minimum distribution question
Replies: 25
Views: 1435

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2000
Happy new year!
Art
by artthomp
Fri Jan 03, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13769

Re: Vanguard and State Income Tax Withholding from RMD's

Based on the questions raised on this thread I verified that I can withhold Missouri state tax from my IRS Required Minimum Distribution (RMDS). The Vanguard advisor I talked with told me that if you take the distribution online you can see the states for which taxes can be withheld. I'm always nerv...
by artthomp
Fri Dec 13, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard and State Income Tax Withholding from RMD's
Replies: 35
Views: 2442

Re: RMDS withholding for entire tax liabilty at year end?

Thanks for all the responses. Several of you indicated concern about not withholding estimated earnings quarterly. Would it make a difference if I took the distribution in January instead of December ? Theoretically the IRS should be satisfied because the taxes are being paid early! Does anyone kno...
by artthomp
Mon Dec 02, 2013 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDS withholding for entire tax liabilty at year end?
Replies: 32
Views: 2150

Re: RMDS withholding for entire tax liabilty at year end?

Thanks for all the responses. Several of you indicated concern about not withholding estimated earnings quarterly. Would it make a difference if I took the distribution in January instead of December ? Theoretically the IRS should be satisfied because the taxes are being paid early! Does anyone know...
by artthomp
Mon Dec 02, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: RMDS withholding for entire tax liabilty at year end?
Replies: 32
Views: 2150

RMDS withholding for entire tax liabilty at year end?

We have several sources of income in retirement: 2 Social Security checks, a company pension, farm rental income, and my IRS Required Minimum Distribution (RMDS). Up until this year we have been withholding some of our federal taxes from the pension check, most of our federal taxes from the RMDS, an...
by artthomp
Sat Nov 02, 2013 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDS withholding for entire tax liabilty at year end?
Replies: 32
Views: 2150

Re: Medicare Supplement for 2014

Comparison of regular Medigap Plan F with high deductible Medigap Plan F (both Humana offerings) through the Extendhealth website for myself (73 years old) Cost for Medigap Plan F $246.16/month*12=$2,953.92/year Cost for high deductible Medigap Plan F $86.00/month*12=$1,032.00/year Maximum 2013 out ...
by artthomp
Sun Oct 27, 2013 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement for 2014
Replies: 14
Views: 1971

Re: Company retiree health coverage moving to exchanges

They really said nothing of importance that wasn't in the literature package they sent ahead of time, but this is the kind of stuff you need to go over a few times to let it all sink in so a live presentation probably helped. Out of curiosity, did you receive a 28 page booklet entitled Getting Star...
by artthomp
Fri Sep 20, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company retiree health coverage moving to exchanges
Replies: 16
Views: 1620

Re: Has anyone added a Foriegn Bond position

Since I am 73 years old I have tried to emulate (with minor modifications) the retirement income fund which is allocated as follows: Vanguard Total Bond Index Fund - 39.5% Vanguard Total Stock Index Fund - 20.7% Vanguard Short-term Inflation-protected Index Fund - 16.9% Vanguard Total International ...
by artthomp
Thu Sep 19, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone added a Foreign Bond position
Replies: 41
Views: 3888

Re: Trinity Study - Table 1 (not inflation adjusted)

Hi Bogleheads, I have a question about the Trinity Study - Table 1 (NOT inflation adjusted): [link fixed by admin LadyGeek] http://www.bogleheads.org/w/images/thumb/9/9d/TrinityTable1.jpg/399px-TrinityTable1.jpg FYI, you can see all 3 tables by scrolling down the Safe Withdrawal Rate page of the Bo...
by artthomp
Sat Sep 07, 2013 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Trinity Study - Table 1 (not inflation adjusted)
Replies: 6
Views: 847

Re: How often to do re-allocate for drift?

I try to limit re-balancing to once a year but if equities exceed or are under 10% of my target 30% I plan to rebalance the excess 3% into fixed income or the deficience 3% from fixed income into equities. Since I am 73 years old I try to roughly duplicate the Vanguard Retirement Income Allocations....
by artthomp
Thu Aug 08, 2013 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 833

Re: Extreme Early Retirement

First of all congratulations on you financial success but as you plan your future I think you need to take possible inflation as well as unforseen events more into account before leaving the workforce so early. Of course no one knows the future but at your present ages one or both of you might appro...
by artthomp
Mon Aug 05, 2013 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 12016

Re: Making sense of bond fund rate increases

Many of us reinvest dividends from our bond funds. Using your example: 1000*(1.02)^5 = 1104.08 950*(1.03)^5 = 1101.31 ----------- Diferrence 2.77 / 1104.08 = - 0.25% Primarily we use bond funds to stabilize our portfolios (stocks went down more than 50% in 2008, bonds have never gone down anyway nea...
by artthomp
Sun Aug 04, 2013 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making sense of bond fund rate increases
Replies: 3
Views: 434

Re: How to get over finance envy

There's a fairly dated book published in 1996 by Thomas J. Stanley and WQilliam D. Danko titled "The Millionaire Next Door". Of course $1,000,000 isn't so much money anymore but their conclusions might help you reconile your finance envy. You appear to be on the road to becoming wealthy to...
by artthomp
Tue Jul 09, 2013 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 17189

Re: Inflation protected, VAIPX vs VTAPX vs VTIP

Vanguard has removed the .25% purchase fee. I converted from VAIPX to VTAPX earlier in the week after I verified that the purchase fee had been removed. I feel the shorter term fund will protect about as much from unexpected higher inflation as the intermediate term fund will. Presently both funds s...
by artthomp
Sun Jun 09, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation protected, VAIPX vs VTAPX vs VTIP
Replies: 19
Views: 3409

Retiree's proposed new allocation

I'm 73 and my wife is 71. We are both retired. I would like your comments on my plans. Present Allocation of the assets I manage (12.4% trust/87.6% tax deferred - IRA and Roth IRA) 5% - Vanguard Money Market Fund (IRA and trust) 45% - Vanguard Total Bond Index Fund (IRA) 20% - Vanguard Inflation-pro...
by artthomp
Fri May 31, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree's proposed new allocation
Replies: 1
Views: 399

Re: Inflation protected, VAIPX vs VTAPX vs VTIP

Hi Dan: In answer to your question, I can only tell you why I exchanged our long held, Vanguard intermediate-term TIPS fund to the new short-term TIPS fund: * I think the decision whether to own a short-term TIPS fund vs the original intermediate term-TIPS is similiar to the decision whether to own...
by artthomp
Sat May 18, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation protected, VAIPX vs VTAPX vs VTIP
Replies: 19
Views: 3409

Is Vanguard trying to promote ETFs over Mutual Funds?

There is currently a 0.25% purchase fee on the Short Term Inflation-protected Index Fund (VTAPX Admiral Shares or VTIPX Investor Shares). This means if one purchases $100,000 the number of shares actually purchased will be reduced by $250 ($100,000 X .0025 = $250). During the last couple of days I'v...
by artthomp
Wed Apr 17, 2013 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Is Vanguard trying to promote ETFs over Mutual Funds?
Replies: 4
Views: 584

Re: Should I change intermediate term TIPs for short term TI

So, taking that at face value... that would point to... --VTIPX for the portion you expect to draw on in the near term, say the next four years or so, --VIPSX for the portion you will be drawing on later. Excellent point nisiprius. One consideration as a retired person required to take IRS Required...
by artthomp
Tue Apr 16, 2013 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I change intermediate term TIPs for short term TIPs?
Replies: 6
Views: 786

Re: Should I change intermediate term TIPs for short term TI

Thanks for your comments dbr. What really made me look at this comparison was the fact that Vanguard has announced they are replacing the intermediate inflation-protected fund with the short term inflation-protected index fund in the retirement accounts. With interest rates so low I admit this looks...
by artthomp
Tue Apr 16, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I change intermediate term TIPs for short term TIPs?
Replies: 6
Views: 786

Re: Should I change intermediate term TIPs for short term TI

Thanks ObliviousInvestor - very interesting study - Art
by artthomp
Tue Apr 16, 2013 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I change intermediate term TIPs for short term TIPs?
Replies: 6
Views: 786

Should I change intermediate term TIPs for short term TIPs?

I have held a significant proportion of my fixed income in the medium term (duration 8.6 years) Inflation-protected Bond Fund (AVIPX) for several years. As interest rates have fallen this intermediate bond fund has averaged a very good yield (since conception in 2000 the yield has averaged 7.36%). S...
by artthomp
Tue Apr 16, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I change intermediate term TIPs for short term TIPs?
Replies: 6
Views: 786

Re: St. Louis Chapter 2012+

I would attend. - Art
by artthomp
Mon Apr 08, 2013 9:13 am
 
Forum: Local Chapters and Bogleheads Community
Topic: St. Louis Chapter 2012+
Replies: 29
Views: 4034

Re: Anyone use iPad or iPod for auto navigation system?

We use an Android application on our Android T-Mobile phones for auto navigation for short trips. Since the application announces all turns and lane changes it's unnecessary to look down at the phone to follow the instructions. For longer trips we still use the Garmin because it warns of traffic jam...
by artthomp
Wed Mar 13, 2013 9:15 am
 
Forum: Personal Consumer Issues
Topic: Anyone use iPad or iPhone for auto navigation system?
Replies: 77
Views: 4695

Re: How to invest RMDs I don't need

I've just taken my fourth RMD. I use some of my the proceeds to pay for vacations and, infrequently, a new car. Since we want to leave our children as much of our estate as we can, we are slowly migrating equities out of the IRA, leaving fixed income in the IRA for tax purposes, and reinvesting the ...
by artthomp
Mon Mar 04, 2013 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest RMDs I don't need
Replies: 19
Views: 1754

Re: Active vs. passive debate question (Hedge Funds)

I have a passive portfolio modeled after the Vanguard Retirement Income allocation - 30% equities / 70% fixed income. Every year I think to check I find that my portfolio minus expenses beats the average hedge fund. For 2012, my portfolio returned 6.1% versus the average hedge fund's 5.5%. I think o...
by artthomp
Sat Mar 02, 2013 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs. passive debate question (Hedge Funds)
Replies: 38
Views: 2385

Re: Do we need a Will/Trust if all assets at Vanguard ?

However, my lwife had inhertied a farm in Oklahoma and unless we immediately transferred owneeship to our children the only practical way to arrange the transfer of this property after our deaths was through a trust. Oklahoma allows beneficiary deeds. Would that not have served? Brian I was told th...
by artthomp
Sat Feb 09, 2013 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we need a Will/Trust if all assets at Vanguard ?
Replies: 25
Views: 2105

Re: Do we need a Will/Trust if all assets at Vanguard ?

No one should ever not have a will to make clear exactly what is to happen and who is to manage what happens (the executor). Whether one needs trusts or other devices is a different question. In many cases assets can be passed down by beneficiary procedures, which are essentially required anyway fo...
by artthomp
Fri Feb 08, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we need a Will/Trust if all assets at Vanguard ?
Replies: 25
Views: 2105

Short versus long TIPs funds?

In the discussion of adding international bonds to Vanguard Target Retirement Funds and Vanguard Life Strategy Funds an additional change was mentioned for the Target Retirement Funds. Vanguard Target Retirement Funds will undergo a few additional changes. Vanguard Short-Term Inflation-Protected Sec...
by artthomp
Thu Feb 07, 2013 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Short versus long TIPs funds?
Replies: 4
Views: 1018

Re: firing my advisor; couple questions for y'all

I have been a passive investor for more than 10 year now and I'm 72 years old. Following the age in bonds rule of thumb I have split my retirement portfolio 30% equities and 70% fixed income. I rebalance to the planned proportions once a year. Through discussions with another Boglehead, I reviewed t...
by artthomp
Thu Jan 03, 2013 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: firing my advisor; couple questions for y'all
Replies: 33
Views: 2693

Re: Your International vs. U.S. Stock Allocation?

Since I'm 72 years old, I based my allocation on the one used by the Vanguard Target Retirement Income Fund (VTINX). Their allocation is two-thirds U. S. and one-third International. In fact, after rounding for my convenience, my portfolio resembles this: 45% Vanguard Total Bond Index 20% Vanguard I...
by artthomp
Sun Dec 23, 2012 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your International vs. U.S. Stock Allocation?
Replies: 73
Views: 6109

Re: Very specific question on international allocation

Last May I discussed my portfolio with Mel Lindauer via a private message. Since I'm 72 years old and I expressed an interest in using the "age in bonds" rule of thumb, he suggested I look at the Vanguard Target Retirement Income Fund (VTINX). I liked the allocation so much I basically cop...
by artthomp
Sun Dec 23, 2012 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Very specific question on international allocation
Replies: 12
Views: 976

Re: What percentage of your savings in non equities?

I'm 72. When I asked him, Mel Lindauer suggested I look at the Vanguard Target Retirement Income mutual fund as a possible guide for someone my age that wanted to subscribe to the "age in bonds" approach for retirement. So my basic allocation is similar to that of the Vanguard Target Retir...
by artthomp
Sat Sep 01, 2012 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: What percentage of your savings in non equities?
Replies: 53
Views: 4409

Re: Vanguard website, how to download transactions

After a more careful review of the posts in this thread I think I may still be using the old interface but in case this information is useful to someone that wants to download transaction data I'll post it anyway. I download my mutual fund accounts and my brokerage accounts every morning and copy an...
by artthomp
Fri Jun 29, 2012 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard website, how to download transactions
Replies: 9
Views: 666

Re: Mismatch between Portfolio Watch & Index Funds

I recieved the following email from Vanguard this morning. "Dear Mr.: Thank you for taking the time to contact us. Vanguard is aware the "stock markets outside the U.S." column in the international section on Portfolio Watch is not accurately reflecting the source (MSCI All Country Wo...
by artthomp
Wed Jun 20, 2012 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Mismatch between Portfolio Watch & Index Funds
Replies: 11
Views: 1241

Re: Mismatch between Portfolio Watch & Index Funds

I imagine that PW has the world weights as of 2007 or some other time in the past and not as of June 2012. A 20% drop in the value of European equities would change a 52% to something much lower ... maybe even 42%. Vanguard Portfolio Watch states that the proportions are taken from: MSCI All World ...
by artthomp
Sun Jun 17, 2012 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mismatch between Portfolio Watch & Index Funds
Replies: 11
Views: 1241

Re: Mismatch between Portfolio Watch & Index Funds

I hold the following international index funds: Vanguard Total World Index ETF (VT) - 5% of my total portfolio Vanguard Total International Index ETF (VXUS) - 15% of my total portfolio I am attempting to use index funds to approximate market weightings of international equities. Art, Based on what ...
by artthomp
Sun Jun 17, 2012 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mismatch between Portfolio Watch & Index Funds
Replies: 11
Views: 1241

Re: Mismatch between Portfolio Watch & Index Funds

Thanks pkcrafter, I'll do that search next. But I think the current allocation comparison is so incorrect that I've sent the following second email to Vanguard. "According to the Vanguard site: The world region equity proportions for the VXUS ETF are: 41.9% Europe 24.9% Pacific 23.9% Emerging M...
by artthomp
Sun Jun 17, 2012 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Mismatch between Portfolio Watch & Index Funds
Replies: 11
Views: 1241

Mismatch between Portfolio Watch & Index Funds

I was surprised this morning to find a fairly severe mismatch indicated between my international index funds and the market weighting indicated by Vanguard's Portfolio Watch. I've already submitted the following message to Vanguard but I thought it might be a good idea to document the question here....
by artthomp
Fri Jun 15, 2012 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Mismatch between Portfolio Watch & Index Funds
Replies: 11
Views: 1241

Re: limit orders feel like market timing

I trade very infrequently (once a year) and only to satisfy my IRS required minimum distributon and to re-balance my portfolio. In order to avoid the strange market phenomena that we saw a couple of years ago that affected some market orders, this is the method I use. If buying or selling, I watch t...
by artthomp
Fri Jun 08, 2012 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: limit orders feel like market timing
Replies: 30
Views: 1668

Re: Corporate Bond Fund/Corporate ETF questions

Thanks everyone for your clarifying answers. I don't really need to make a move right now but I think I better understand my options.
by artthomp
Sat May 05, 2012 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Fund/Corporate ETF questions
Replies: 7
Views: 1415

Re: Corporate Bond Fund/Corporate ETF questions

Since one can look at the fund holdings at the Vanguard web site, let me ask these questions: 1. What is the amount of US Treasuries that VCSH holds? 2. What is the amount of US Treasuries that VFSUX holds? 3. What are riskier: US Treasuries or Corporate bonds? Answers: 1. VCSH - .8% U. S. Treasuri...
by artthomp
Sat May 05, 2012 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Fund/Corporate ETF questions
Replies: 7
Views: 1415

Corporate Bond Fund/Corporate ETF questions

Vanguard appears to have short, intermediate, and long investment grade admiral bond funds (VFSUX, VFIDX, and VWETX) while they appear to have short, intermediate, and long corporate ETFs (VCSH, VCIT, and VCLT). What are the differences in the holdings between investment grade bond funds and corpora...
by artthomp
Sat May 05, 2012 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Fund/Corporate ETF questions
Replies: 7
Views: 1415

Re: Required Min Distribution: What do BH"s do with it?

We spend a portion on vacations each year and reinvest a portion in taxable equity index funds for now. Approximately 90% of the investments I am handling are in my IRA account so I'll be able to reinvest in equity funds for several more years (I'm 71 years old).
by artthomp
Sun Feb 19, 2012 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Required Min Distribution: What do BH"s do with it?
Replies: 25
Views: 1127

Re: Let's get right to the point

I am 71 and my wife is 70. We are in similar circumstances to you. The allocation scheme we are using for my portion of our portfolios is 62% fixed/38% equities allocated as follows: 2% Vanguard Money Market 24% Vanguard Total Bond Index Fund 24% Vanguard Intermediate Investment Grade Fund 12% Vangu...
by artthomp
Mon Feb 13, 2012 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Let's get right to the point
Replies: 9
Views: 1562
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