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Re: The Risk of Short-term Bond Funds

Just a implementation question.
How is the dividend of a bond fund calculated?
Is the dividend of the bond fund calculated on the NAV of the fund or the total number of shares you have of the bond fund? Thanks
by CWRadio
Tue Jul 08, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10416

Re: [How do TIPS mutual funds work?]

Thanks Cruncher for your detail answer and spending all the time explaining your answers.
For my understanding, if I sold the TIPs mutual fund on 1/1/2015 what would I receive? Thanks Paul
by CWRadio
Sat Jun 28, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1210

Re: [How do TIPS mutual funds work?]

One additional question.
If inflation goes up 3% during the year and interest does not change does the NAV of the TIP mutual fund increase or decrease? paul
by CWRadio
Fri Jun 27, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1210

Re: TIPS mutual fund NAV

Sorry for the repeat post and the two answers. My brain stop working!
by CWRadio
Wed Jun 25, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS mutual fund NAV
Replies: 4
Views: 359

TIPS mutual fund NAV

What causes the NAV of a TIPS mutual fund to go to up or down? Thanks Paul
by CWRadio
Wed Jun 25, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS mutual fund NAV
Replies: 4
Views: 359

Re: Target date vs. Lifestrategy fund

Why does Target Retirement Income (VTINX) outperform LifeStratery Income (VASIX)?
Thanks Paul
by CWRadio
Tue Jun 24, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Target date vs. Lifestrategy fund
Replies: 12
Views: 2222

Some Peace of Mind

Any thinking about the Some Peace of Mind part of the article(Buying a Guaranteed Retirement Income, for Some Peace of Mind)?
Does Peace of Mind have a value?
Paul
by CWRadio
Sun Jun 08, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: interest rising in deferred-income annuities
Replies: 35
Views: 2417

Re: GE Capital Retail Bank 5-Year 2.3% CD

If you have to take RMD, how does that work for the GE Capital Retail Bank 5-Year 2.3% CD in a IRA account? Thanks Paul
by CWRadio
Mon Jun 02, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: GE Capital Retail Bank 5-Year 2.3% CD
Replies: 75
Views: 7799

Re: How diversified is the Larry Portfolio

Getting to the finish line Talking about getting to the finish line, the LP is designed to help you keeping most of what you have after crossing the finish line . After winning the game the investors' main goal should be on capital preservation and loss prevention, in this case the LP could be a go...
by CWRadio
Wed May 28, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: How diversified is the Larry Portfolio
Replies: 40
Views: 3340

Re: Are Single Premium Annuities a good deal?

...do you agree with Michael Kitces here: ...the majority of the benefits commonly attributed to partial annuitization are actually just the indirect result of a bucket strategy that produces a rising equity glidepath. While SPIAs do still provide superior results for very long-lived retirees, it t...
by CWRadio
Thu May 15, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: Are Single Premium Annuities a good deal?
Replies: 91
Views: 4280

Re: [How do TIPS mutual funds work?]

dbr thanks.
Is the daily change for the NAV of VTAPX cause by the daily change of the interest rate of the bond only?
Does the daily change in the inflation rate cause any change in the NAV or only added as dividends each quarter?
As you can see I am still a little confused! Paul
by CWRadio
Sat May 10, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1210

Re: Interest Rate 10 Year Treasury Note

Thank you all for sharing your insights and expanding my question. I have learned a lot from this discussion. Paul
by CWRadio
Sat May 10, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10 Year Treasury Note
Replies: 29
Views: 2260

[How do TIPS mutual funds work?]

Please explain how TIPS mutual funds (VTAPX and DIPSX) work. The WiKi does a good job on the explanation of the note and bond. I understand TIPS are made up of two parts. Current inflation rate and a base interest rate. Both can change daily. Here are my questions: What happens to the NAV of the fun...
by CWRadio
Sat May 10, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1210

Interest Rate 10 Year Treasury Note

Can someone please explain why the interest rate on the 10 year Treasury Note (^TNX) increased from 2.59% to 2.63 in the course of 15 minutes today (Thursday May 8)? Thanks Paul
by CWRadio
Thu May 08, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10 Year Treasury Note
Replies: 29
Views: 2260

Re: Annuities

Is there a chart or table that show the cross over point where the "Mortality credit" is more important then the current interest rate is for a IA?
Thanks Paul
by CWRadio
Sat Apr 12, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 6681

Re: Fund expense and profit

[/quote] Hopefully the understanding you got is that the performance numbers were net of all cost and income items to the funds. That means knowing the expense ratios wasn't needed to know how the year ended up for the two funds. You might want to know that there are items of fund expense and income...
by CWRadio
Fri Mar 28, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 650

Re: Fund expense and profit

Funds report performance net of fees. Investing is simple - just invest in the fund with the highest returns going forward. How to tell which fund is the will do better? Expenses are a very good predictor! BTW, The Schwab fund is lagging the Vanguard Fund by 0.4% YTD. Thank.. Did not realize the pe...
by CWRadio
Fri Mar 28, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 650

Fund expense and profit

I am trying to understand fund expense. If I have two funds. One is Vanguard Target Retirement 2010 Fund (VTENX) with a expense of .16% and 2013 performance of 8.42% The second fund is Schwab Target 2010 Fund (SWBRX) with an expense of .52% and a 2013 performance of 8.85%. If I put a million dollars...
by CWRadio
Fri Mar 28, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 650

Re: Sleeping With Bonds!!!!!

Bond funds may be fine for accumulation portfolios but they can be dangerous for those in the drawdown phase because bond funds will lose value as rates rise, while a bond ladder will still provide the desired income at the bond maturity dates no matter what happens with interest rates. That presen...
by CWRadio
Thu Feb 06, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 7502

Are Individual Bonds Right for You?

What is the current Boglehead thinking of the MORNINGSTAT video called:

Are Individual Bonds Right for You?
http://www.morningstar.com/cover/videoc ... ?id=633333

Paul
by CWRadio
Wed Feb 05, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Are Individual Bonds Right for You?
Replies: 57
Views: 3016

Re: No financial worry.

Taylor, I respect your opinions and would be interested to know how you changed your stock allocation as your retirement progressed since 1982. One thought-- you were lucky in that you retired at the start of the greatest 17 year bull market in history until the dot com meltdown. Devotee: We decide...
by CWRadio
Wed Jan 15, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3799

Re: The Anti-Target Date Retirement Strategy

During retirement, are you prepared to weather a 50% stock market drop? It will come someday, possibly soon and more than once. The allocation which allows you to do so, is what you need, if for no other reason than to maintain your sanity. Jim. Sheepdog, what portfolio will allow me to meet your r...
by CWRadio
Tue Jan 14, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3799

Re: Pay check in retirement from funds

Thank you all for sharing your "pay check" strategies. Dandy made the following statement: You know the common advice that if you will need the money in 5yrs or so not to put it at risk. So does this mean have 5 years of cash like funds, CDs, or short bonds ($40K a year X 5 years = $200K)...
by CWRadio
Sun Jan 12, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1568

Re: Pay check in retirement from funds

Thank you all for sharing your "pay check" strategies. Dandy made the following statement: You know the common advice that if you will need the money in 5yrs or so not to put it at risk. So does this mean have 5 years of cash like funds, CDs, or short bonds ($40K a year X 5 years = $200K) ...
by CWRadio
Sun Jan 12, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1568

Pay check in retirement from funds

Once your figured out your withdrawal method (constant-dollar, constant-percentage, etc) from your retirement portfolio how do you implement it? For example: If I need $40,000 from your portfolio a year, do I take the money out when I rebalance at the beginning of the year? Or, if I use a Target Dat...
by CWRadio
Sun Jan 12, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1568

Re: sleep number beds

I have a king size P5 Sleep Number bed purchase in May 2011.
How do I measure or read the actual pressure in each air chamber in my P5 King mattress? Thanks
by CWRadio
Wed Jan 08, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 2814

Re: Bonds - The Little Book of Common Sense Investing

billyt: sometimes a small calculation helps much more than a thousand of words. I am not sure if your phrase that when one's bond fund nav drops, he/she should be happy with the increased return makes sense to me, because I calculate my returns in comparison with my initial investment, and not curr...
by CWRadio
Thu Jan 02, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - The Little Book of Common Sense Investing
Replies: 51
Views: 4011

Re: expense ratio

I have two funds that invest in the same thing. Each fund made a 1% profit for the year. Fund A has a expense ratio of .50 and fund B has a expense ratio of .10. So fund B is the better fund and made more money for me. No load mutual funds typically report investment gains after all expenses. If th...
by CWRadio
Wed Jan 01, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio
Replies: 13
Views: 977

expense ratio

I have two funds that invest in the same thing. Each fund made a 1% profit for the year. Fund A has a expense ratio of .50 and fund B has a expense ratio of .10. So fund B is the better fund and made more money for me. Now my question If Fund A profit for a year was 1.75% and Fund B profit for the y...
by CWRadio
Wed Jan 01, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio
Replies: 13
Views: 977

Blind Spot detection

Has anyone added a after market Blind Spot detection to a 2011 Honda CR-V? Thanks
by CWRadio
Sun Dec 29, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Blind Spot detection
Replies: 10
Views: 1002

Re: Target Date Funds vary company to company

Can you please explain the science and logic why Fidelity Freedom 2010 FFFCX has 28 sub funds, T. Rowe Price Retirement 2010 TRRAX has 18 sub funds and Vanguard Target Retirement 2010 VTENX has only 5 sub funds? Thanks
by CWRadio
Thu Dec 26, 2013 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Target Date Funds vary company to company
Replies: 38
Views: 2713

Re: Target Date Funds vary company to company

i have this. i have had for over 10 years i like it very much. TRRBX-TRPRICE 2020 What's there not to like? :? http://portfolios.morningstar.com/fund/holdings?t=TRRBX&region=USA&culture=en-US T. Rowe Price New Income 18.08 T. Rowe Price Equity Index 500 17.07 T. Rowe Price Growth Stock 11.1...
by CWRadio
Tue Dec 24, 2013 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Target Date Funds vary company to company
Replies: 38
Views: 2713

Re: duration timing

That short does not drop is wrong. The short term investment grade fund has a 2.3 year duration and is currently distributing about 2.0% annualized. Interest rates go up 1% the fund does down 2.3% and it now pays 3%. Price recovery takes about 9.2 months.. (all figures approximate). Of course if in...
by CWRadio
Sat Dec 21, 2013 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: duration timing
Replies: 26
Views: 1598

Re: Today's Fed announcement

I have been waiting to see 3% on the 10 year before adding to my bond holdings and my guess is today's announcement means I will be adding to my bond holdings sooner than later. Do you plan on buying bond funds or bonds? Thanks Individual Bonds. That said I also use the Vanguard Total Bond fund. Bu...
by CWRadio
Thu Dec 19, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1770

Re: Today's Fed announcement

StarbuxInvestor wrote:I have been waiting to see 3% on the 10 year before adding to my bond holdings and my guess is today's announcement means I will be adding to my bond holdings sooner than later.


Do you plan on buying bond funds or bonds? Thanks
by CWRadio
Thu Dec 19, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1770

Today's Fed announcement

What does the Feds announcement mean to holders of the Vanguard total bond fund?
by CWRadio
Wed Dec 18, 2013 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1770

Re: Bond index funds vs cash

For those of us that are in retirement and hold about 50% of their portfolio in bond funds, what do we do? Stay the course or do something else? Thanks Stay the course has merits but I don't believe it applies 100% of the time. Call me a heretic but there are time you need to make "tactical ad...
by CWRadio
Tue Dec 17, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond index funds vs cash
Replies: 49
Views: 4927

Re: Bond index funds vs cash

Bonds funds are most always riskier than cash as far as loss of principal. A bank CD has almost no principal risk vs a Bond fund. y. The problem with cash is that since there is almost no risk it doesn't pay much. That being said with today's historic low interest rates it seems to me that bond fun...
by CWRadio
Tue Dec 17, 2013 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond index funds vs cash
Replies: 49
Views: 4927

Re: Too many bond funds?

After talking to my advisor about my concerns he suggested a new DFA fund (November 5, 2013) called: DFA SHORT-DURATION REAL RETURN PORTFOLIO Ticker: DFAIX http://www.dfaus.com/portfolios/ Prospectus: http://www.dfaus.com/pdf/prospectuses/short_duration_real_return_port.pdf The Portfolio will invest...
by CWRadio
Tue Nov 26, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2071

Re: Too many bond funds?

Thank you all for the time you spent answering my questions. I appreciate all your suggestions.
It is time for me to speak to my advisor!!
Paul
by CWRadio
Sat Nov 23, 2013 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2071

Too many bond funds?

My adviser portfolio is 50% bonds and 50% equities. My age 68 and wife is 65. My bond side has 8 funds that look like this: name, symbol, percent of total bond funds (100%) Vanguard Interm-Term Bond Index VIBSX 14.25% Vanguard Short-Term Investment-Grade Fund Admiral VFSUX 16.61% DFA Investment Grad...
by CWRadio
Fri Nov 22, 2013 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2071

Re: Concerned about losing principal in Total Bond Market Fu

This is a good article by Allan Roth on what happens to bond mutual funds when interest rates go up.

http://www.financial-planning.com/news/ ... gination=1

Paul
by CWRadio
Mon Nov 18, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8443

Re:Vanguard Total Bond Market annual return 2013-2017

If I purchased 1 share of Vanguard Total Bond market (VBMFX) today for $10.63 and the 5 year average annual return was 2%, what would the NAV be in 2017? Thanks
by CWRadio
Sun Nov 10, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Contest: Vanguard Total Bond Market annual return 2013-17?
Replies: 45
Views: 4118

Re: "Get out of bond funds"

Kevin,
Does it makes sense when you are in retirement to get out of multiple bond funds (NAV down 2.8%) now and buy CDs or stay with the bond funds? Thanks Paul
by CWRadio
Tue Nov 05, 2013 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 147
Views: 22451

Yahoo calendar on Nuxus

Has anyone been able to sync their Yahoo Calender on the Nexus 7 (Android)? Thanks Paul
by CWRadio
Fri Nov 01, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo calendar on Nuxus
Replies: 0
Views: 176

10 Year Treasury Note interest rate change today

Can someone please explain why the interest rate of the 10 year Treasury note was 2.47% before 2 pm and then after 2pm when up to 2.549%. I know the Federal Reserve released its latest policy directive at that time. Thanks Paul
by CWRadio
Wed Oct 30, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury Note interest rate change today
Replies: 5
Views: 1083

Interest Rate 10-Year Treasury Note

Why is the interest rate on the 10 year Treasury Note dropping?

http://finance.yahoo.com/q?s=%5ETNX

Paul
by CWRadio
Wed Oct 23, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10-Year Treasury Note
Replies: 6
Views: 579

Defined-maturity bond funds

What is the latest thinking on Defined-maturity bond funds?
Recent article by Charles Rotblut in AAII.

http://www.aaii.com/files/PDF/9038_defi ... omises.pdf

Paul
by CWRadio
Tue Oct 22, 2013 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Defined-maturity bond funds
Replies: 1
Views: 348

Re: Bond Funds - Higher Rates - Point of Indifference

Electron
Have you done any back testing of your chart?
Between 1953-1963, when interest rates were last this low, and 10 year bonds went from just under 3% to just over 4%.
Thanks
by CWRadio
Fri Sep 06, 2013 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds - Higher Rates - Point of Indifference
Replies: 35
Views: 4499

Re: Bond Funds - Lower Rates - Impact on Total Return

Electron, is it possible to overlay your chart with 1% interest increase at the same three times and show us the results? Thanks
by CWRadio
Tue Aug 27, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Funds - Lower Rates - Impact on Total Return
Replies: 14
Views: 1364
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