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I don't think Vanguard announces exactly when they are getting ready to make a change so it doesn't affect the market. They normally do this in a phased manner over a period of time then announce when it is done. Laura Yes, If you check the composition of the fund at the VG site after the 15th of e...

In a previous post on CDs as a Bond ( lost due to power failure ), I cited a reference to a Jane Bryant Quinn article recommending VG STIG Bond Fund and stating that a significant portion of the holdings were jumbo bank CD's

To John:

I agree with your many comments on the subject and I am in the RMD phase of my investment life.

T Rowe Price has a Hi Yd Corporate Bond Fund.I've used it in the past for TLH my VG fund.

BolderBoy wrote:

rmelvey wrote:high quality cash

Can you tell me what this is?

I would define that as an FDIC Online Savings account such that offered by Ally or Barclays.

With those big pianos,it's generally give it someone who will pay to move it.That's what I had to do.

It's funny to see how automatically new, as well as some of the more experienced posters, simply assume that they will easily stay the course for 40+ years. I'd like to see some kind of study showing how often people really make changes to their portfolio. I'm definitely in favor of nisiprius' sugg...

I wonder why Vanguard didn't go with a TSM + Intl fund-of-funds approach - that combo would have been cheaper to implement, and reuses 2 of their already excellent indexing implementations. Sunny,I agree. VG uses the 70% TSM /30% Tint Stock Component in all the TR and LS funds.You would think that ...

I wonder why Vanguard didn't go with a TSM + Intl fund-of-funds approach - that combo would have been cheaper to implement, and reuses 2 of their already excellent indexing implementations. Sunny,I agree. VG uses the 70% TSM /30% Tint Stock Component in all the TR and LS funds.You would think that ...

G-Money wrote: . . if Ally lets you. I'm sure you know Ally changed the terms and conditions of its CDs back in September 2012 to make it perfectly clear that you can only break a CD at Ally bank's discretion. viewtopic.php?p=1519339#p1519339. IMO, I think it would be a mistake to assume banks will ...

I agree with you, but there is a hard core here of people who feel safer sticking blindly with strategies that have served them well in the past, who see it as a sign of personal weakness to keep an open mind and pay attention to the warnings of the very financial experts who popularized the strate...

while NYS taxes IRA withdrawals at 8% but with a $40,000 deduction.

Neurosphere, Are you sure on that? I thought it was 20K.

Happy Birthday Mr Bogle ! I hope you have a great day.

I did a search on the forum to try and find a discussion on the merits of these funds, and was only able to find some information on the funds back when they use to have a portion allocated to discretionary picks. Now that they have changed to a more BH 3-fund approach what do you all think of thes...

Hello all! I am currently in a management position in a technical group, and I'm considering applying for a staff position in another department. I have my reasons for this - less hours worked (or at least actually getting paid when working extra), less responsibility, not having to be on-call, not...

I held VFSTX (Vanguard Short-Term Investment-Grade Fund Investor Shares) for a little over two years as the bond component of my portfolio, but the returns on it were less than impressive (the price fell slightly, and the amount of dividends decreased over time). Those bonds were sold to provide st...

In this interest rate environment,I wouldn't go any further than a 1 yr CD ladder. i have one with Ally Bank ( w/3mo rungs ). I have a 1 yr CD coming up for renewal every 3 months and get a 25 bp bonus on top of the current 1 yr rate.They all currently are running around 1.25% w/ renewal bonus.

(1) Spend Your Money On Many Small Pleasures Instead Of A Few Big Ones One researcher, for example, interviewed people of all income levels in the United Kingdom and found that those who frequently treated themselves to low-cost indulgences— picnics, extravagant cups of coffee, and treasured DVDs— ...

Luckily, I bought my full yearly allotment in Jan '03 just before they changed the method.Mine double in 17 years which would be Jan '20

Follow Twins Fan's advice.

Just was at the VG website and saw notice that VG has just lowerd the ER on my Admiral shares of TSM ( 0.5 ). Mid Cap Index ( 0.10 ) ans Small Cap Index ( 0.10 ).

woodwalker74 wrote:Am I loosing money keeping a couple of years expenses in Vanguard money market? The fee is more than the interest.

just use an FDIC Online Savings Account like Barclays ( 1% ) or Ally ( 0.84 ). I have them both.

Stay the course just means, "Don't make changes based on emotional responses to short term changes in the markets".

Exactly. that's been my interpretation of what "Stay The Course" means

Boggler: Perhaps I don't understand, but If you have " just taken advantage of their (Vanguard's) financial plan service," why not ask them? Best wishes. Taylor They recommended the short term investment grade bond fund. I was hoping to get some other opinions as well. Given your specific...

DAK wrote:What the loss of purchasing power for a FDIC insured CD at the going interest rate?

interest rates are lower than the Inflation rate and also subject to taxation further reducing the return.

Life Strategy Conservative Grrowth Fund would give you a static 40% Stock ( 70% TSM, 30% Tint ) / 60% Bonds.

Yes https://www.banking.barclaysus.com/faqs.html How can I make a new account a Payable on Death account? To make a new account a Payable on Death (POD) account, select Yes to the question “Make this a Payable on Death account?” during the account set up process. You will be prompted to identify yo...

Does Barclays allow POD's on their accounts? I'm over the limit with Ally.But have increased coverage due to POD's. Still, I'm considering moving some of that money to another bank in case Ally has any problems. Barclays may be the answer.

I think that "emergency fund" is just another name for "cash reserves" and other euphemism that we all use to denote cash that is siting in a bank account/MMF or other short term location that will probably be spent on something in the relatively near term. Some folks seem to li...

I would use Life Strategy Growth ( 56% TSM, 24% Tint, 16% TBM II, 4% International Bond Idx ). Then use a separate Short Term Investment Grade Bond Fund to dilute down to desired bond allocation.

I have a 1 year CD ladder ( 4 equal amount 1 yr CDs spaced 3 mo. apart ) with Ally Bank.Given the current interest rate environment,i think that's the best way to go.

I personally split the two: 50% VBMFX and 50% VFSTX. My thought is that this brings the total duration down and adds more corporates (as total bond market has relatively a small amount of corporates - around 20% only). I believe even John Bogle has commented that the total bond market fund is actua...

I don't see the benefit to this. If your AGI is high, the investment management fees are almost certainly non-deductible. Pay them out of money in your IRA and you exclude those IRA funds from income. Yes you will end up with more money in your IRA by paying the fees with outside funds. But why is ...

Been so long since I've had any interest bearing bank accounts that I was wondering if it would be okay (next year) to combine the aggregate interest from multiple CD's and a money market from a single payer on one 1099-INT on the tax prep software? (All accounts registered in the same fashion.) Th...

Retired, but not yet tapping retirement savings. Savings are more than adequate. He 62, she 60. 30 year plan. Let's say $1Million with withdrawal needs of $20k per year. 3 years (1-3 year) short term reserve: 10% $100k in VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares (VFSUX) Plus: ...

Also have to decide what to do now that I've lost the 1% (5 x nothing) rate from Capital One after a year. I do want at least one account at a bank where I can walk in, but am leaning towards moving the bulk of my money to an online savings account, lined to a local checking account. Brian I use Al...

You may also want to consider VG Life Strategy Growth Fund. It has a static allocation of 80/20 and is 56% TSM,24% Tint,16% TBM II and 4% Tint Bond

We knew the money was coming and have planned for it. We've got an asset allocation we're happy with that includes a mix of equities, bonds, cash, and real estate. So following the basic bogleheads advice would mean (I think) Deploy! But gosh, the market is at an all-time high and, well, the notion...

Same age, same situation. I'm taking it from the " Bond " Allocation and putting it into Ally Bank Online Savings.

Consolidate current active 401K into:

90% TR 2045 or 2040 ( 90/10)
10% Vanguard Retirement Savings Trust


Transfer all eligible rollover accounts into VG Life Strategy Growth Fund ( 80/20 )

It is interesting that you mentioned a possible annuity. Here are the reasons why I decided that an annuity did not make sense in this situation. I have not studied annuities because I was always turned off by the fees. But, it looks like I may need to be a little more educated now. Buying an annui...

I

like the 3 fund idea (Vanguard LifeStrategy Moderate Growth Fund)

My 401k is with fidelity. Any benefits of finding a similar fund from fidelity?

Fidelity has the Four in One Fund. Is that offered in your Plan?

Question... would you be in favor of Vanguard providing banking services (e.g. checking/savings accounts, mortgage/auto loans)?

How about Vanguard starting the largest federal credit union in the country?

Yes.

Age 70. 50% Stock.

Nisiprius wrote: P.S. I wish I could remember the name of the miniature plastic block set I had when I was a kid. I am pretty sure it was NOT Lego--I guess it could conceivably have been, it was the early 1950s--but it was a similar idea. The plastic was cheap-and-cheesy, though. As I recall, they w...

i did get a 15% 3 year CD for my IRA back then.

Congratulations Rick. A well deserved honor.

If I were in your shoes whereby nearly all of my retirement was covered by pension, AND I wanted the simplest possible portfolio, I would put it all in LS Moderate Growth. If all your retirement needs are met by pension, you are investing your IRA for the next generation so a 60% stock exposure is ...

Taylor,just adding my wish to you for a Happy Birthday.

crowd79 wrote:Ally Bank for me. Have had zero problems with them.

Same here.