Search found 1063 matches

by EyeDee
Fri Jul 22, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard site shows funds not owned?
Replies: 14
Views: 1131

Re: Vanguard site shows funds not owned?

. As pointed out changing the display to not show zero balances only works on the Balances and Holdings" page and other things like drop down menus continue to include the zero balance funds. This makes it easy to go back after thirty days after a tax lost harvest or if you changed your mind, b...
by EyeDee
Sun Jul 17, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1160

Re: Bond Drop

. Of course, if one has been reaching for yield by going to longer bonds or high yield, one should be prepared for bigger drops. Taking some time to look at some more bond fund one year rolling period charts on Morningstar shows: -13.45 for Vanguard Long Term Treasury fund for September 2012 to Augu...
by EyeDee
Sun Jul 17, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1160

Re: Bond Drop

. Perhaps you or someone else can tell me. I was using a rolling 1 year chart on Morningstar for a bond fund that went back to 1977. I believe that it includes dividends like the growth charts, but I do not know for sure. It could be like their price charts that do not include dividends. Perhaps som...
by EyeDee
Sun Jul 17, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1160

Bond Drop

. The worse recent drop I could find with a quick check of charts on Morningstar was a drop of 9.20% for "Barclays US Agg Bond TR USD" benchmark for April 1979 to March 1980. What would you consider devastating performance? Down 100%? Down 50%? Down 10%? Down 5%? Down 1%? And then look at ...
by EyeDee
Sat Jul 09, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Dumb Question? Deliberately lowering cost basis
Replies: 11
Views: 1237

401(k) Information

. BeBH65, No, because this is within a 401(k) where cost basis has nothing to do with taxes. Cost basis within a 401(k) is basically for historical information which one might use to analyze ones investments but not for tax loss harvesting. Is this a situation where one could/would apply tax_loss_ha...
by EyeDee
Tue Jul 05, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard balanced index fund
Replies: 11
Views: 1100

Re: Vanguard Balanced Index Fund

. By investing directly in the stocks (60% in U.S. total stock market) and bonds (40% U.S. total taxable investment grade bonds) the fund can offer multiple share classes including investor, admiral, and institutional. Funds of funds that invest in other funds cannot offer other share classes. If it...
by EyeDee
Wed Jun 22, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: John Bogle and the Vanguard Experiment
Replies: 1
Views: 338

John Bogle and the Vanguard Experiment

. "John Bogle and the Vanguard Experiment: One Man's Quest to Transform the Mutual Fund Industry" by Robert Slater seldom gets mentioned on the forum, so I thought I would start a conversation to mentioning it as it is now available on Amazon for reasonable prices. I would highly recommend...
by EyeDee
Wed Jun 22, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle interview
Replies: 5
Views: 673

John ("Jack") Bogle

. His writings and formal documents usually use his given name of John C. Bogle, while conversations and less formal documents use his preferred nickname of Jack. Obviously, Frontline was using both. In PBS Frontline The Retirement Gamble the narrator kept saying "Jack Bogle", then they'd ...
by EyeDee
Tue Jun 21, 2016 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after a goof leaves $10k sitting in settlement fund
Replies: 9
Views: 940

Large Cap Alternatives

.
One could also put the money in the Large Cap Index Fund (or possibly the Total Stock Market Index Fund) for a month and get results very similar to the 500 Index Fund. And with $10K you even can get the lower costs of an Admiral fund.
by EyeDee
Fri Jun 17, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - Newly Eligible to Upgrade
Replies: 15
Views: 2050

Vanguard Account Conversion

. I think you are right there is little advantage in converting for the mutual fund only Vanguard account holders. There have been several conversations about the conversion and several posts that it will not be forced if you do not want it. In fact, some people cannot have brokerage accounts at Van...
by EyeDee
Fri Jun 17, 2016 4:26 pm
Forum: Forum Issues and Administration
Topic: Proposed Rule: Names: Avoiding Confusion
Replies: 13
Views: 1335

Bill Bernstein Was wbern in the Past

.
Because of confusion in the past, wbern's id was changed/renamed to Bill Bernstein so more people knew that it was the author William Bernstein.

But old quoted posts keep the wbern reference.
by EyeDee
Wed Jun 08, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in June."
Replies: 17
Views: 2498

Vanguard Dividends

. I believe you are right about the ex-dividend date being 2 business days after the declaration date for ETF shares, but I thought the ex-dividend date was 1 business day after the declaration date for investor and admiral shares at least for non-brokerage accounts. Note that the link gives the &qu...
by EyeDee
Wed May 25, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Raising Select Mutual Fund Fees
Replies: 5
Views: 1348

Health Care Fund Assets

.
According to the January 31, 2016 Annual Report for Health Care Fund the total Net Assets for the investor shares (VGHCX) went down $744 million from $11,660 million to $10,916 million, while the admiral shares went up.
by EyeDee
Sun May 01, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard IRA distribution - state tax withholding error
Replies: 6
Views: 672

Vanguard IRA distribution - state tax withholding

.
I believe that Vanguard will withhold a higher percentages than you specify if your state requires them to withhold a minimum percentage, even if your state allows you to request no withholding. Perhaps your state is one that requires a minimum.
by EyeDee
Tue Apr 26, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund Country Diversification
Replies: 7
Views: 904

Re: Vanguard Precious Metals and Mining Fund Country Diversification

.
Thanks again to Claimui and Valuethinker for your answers.

It does look like Canada might represent a slightly larger part of the category vs a few years ago, but that the fund managers appear to be making a bet on Canada vs Australia and the U.S. and/or a bet on gold vs other metals/mining.
by EyeDee
Mon Apr 25, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund Country Diversification
Replies: 7
Views: 904

Vanguard Precious Metals and Mining Fund Country Diversification

. According to Vanguard's web site as of 03/31/2016 Vanguard Precious Metals and Mining Fund (VGPMX) is 1.9% Australia and 62.8% Canada. The January 2013 Annual report had it at 30.9% Australia and 24.8% Canada and the January 2014 Annual Report had Australia at 13.7% or 13.1% and Canada at 34.8% or...
by EyeDee
Sun Apr 17, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1896

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Although it requires you to temporarily have extra money and need to be sure you do buys before sells (as the minute you sell a fund you cannot buy it online for 30 days), I still think it should work nicely to move X dollars from money market fund to total stock market fund then X dollars from to...
by EyeDee
Sat Apr 16, 2016 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1896

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Triceratop, To avoid any frequent trading rules about going to and from the same fund over and over, a better way for your case than my suggestion above might be to move X dollars from money market to fund A, then X dollars from fund A to fund B, then X dollars from fund B to fund C, and then X do...
by EyeDee
Sat Apr 16, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1896

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Triceratop, I am not sure whether Vanguard's system will prevent you from transfering from Admiral to Investor shares. One alternative might be to go to a money market then to the investor shares. Another alternative might be to exchange X dollars from a money market fund into the Admiral shares o...
by EyeDee
Fri Apr 15, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lures More Funds Than All U.S. Rivals Combined
Replies: 12
Views: 1372

Low Fees

. It it also interesting that the second place BlackRock also received more money than all the others combined except Vanguard (Blackrock's $15 billion would be over 30% based upon the article saying Vanguard's $29 billion was 59%), since I believe much of their offerings are ETFs with expenses belo...
by EyeDee
Mon Apr 04, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Where is it? [Vanguard GNMA fund distribution]
Replies: 23
Views: 1982

Re: Where is it? [Vanguard GNMA fund distribution]

. Probably because the announcement is Estimated supplemental distributions and at the low levels a little change can make a big difference in percentage or maybe just because of some policy when making estimates. Perhaps a dumb question but since "<.01" and ".003" both are 4 cha...
by EyeDee
Sun Apr 03, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 2582

Basis Point Differences

. You might want to look at the page linked below on Vanguard's site. It has a bar chart that allows you to see the effects of varying expense ratios from 0.00% to 3.00%. Although it appears to sometimes jumps by two basis points instead of one, it still gives many possible choices. Slide your curso...
by EyeDee
Sun Apr 03, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: Where is it? [Vanguard GNMA fund distribution]
Replies: 23
Views: 1982

Vanguard GNMA fund distribution

. I really think the only error Vanguard made here is they put the wrong date in the announcement for the GNMA distribution. They put <$0.01 and 0.003 is less than 0.01. They have used < for less than in the past for other distributions. For example it is used for several bond fund distributions nea...
by EyeDee
Sat Apr 02, 2016 8:51 pm
Forum: Investing - Theory, News & General
Topic: Excellent but expensive investing books
Replies: 33
Views: 2968

Re: Excellent but expensive investing books

.
Roger Gibson's Asset Allocation: Balancing Financial Risk

Larry Swedroe mentions Fabozzi's bond book here:

viewtopic.php?p=452811#p452811
by EyeDee
Thu Mar 31, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain "pocket-change prepayments" on a mortgage
Replies: 47
Views: 4560

Mortgage "Pocket-Change Prepayments"

. I do not consider $250 pocket change either nor do I even consider $10 pocket change, but some people might consider $10 pocket change and back in the 1980's the principal-only portion of the next month's payment on our 30 year mortgage was around $10 during the early months of our mortgage. Payin...
by EyeDee
Thu Mar 17, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs Investor Shares?
Replies: 32
Views: 24361

Fund of Funds Fees

. Alex_686, Could your provide a reference for your statement that other fund companies use the institutional class for their retail target funds? For example, for Fidelity's Target Retirement funds, the only institutional fund I found referenced was the Institutional Money Market Portfolio Institut...
by EyeDee
Fri Mar 04, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 56
Views: 6160

Re: What is PP?

. I tried googling pp and the closest thing I got was another site discussing pp in the context of rebalancing. After expressing frustration, my wife also tried googling. Unfortunately, neither one of us thought to in include the percent obviously. After your first response listing percentage point,...
by EyeDee
Thu Mar 03, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 56
Views: 6160

Re: What is PP?

.
Kevin,

Thank you. Yes it makes sense as I understood what you meant from the context, I was just curious what the pp stood for.

Kevin M wrote:Percentage point.

Make sense?

Kevin
by EyeDee
Thu Mar 03, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 56
Views: 6160

What is PP?

. Kevin, What does the pp stand for? I believe I follow from the context what is generally meant. What I am asking is what does the abbreviation represents. I am guessing one of the p's is percent or percentage, but what does the other p stand for or what do the both stand for if one of them is not ...
by EyeDee
Tue Mar 01, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 74
Views: 7108

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

. neomutiny06, The following surveys give a feel for the pulse of Bogleheads' Stock Bond Ratio: http://www.bogleheads.org/forum/viewtopic.php?t=68125 http://www.bogleheads.org/forum/viewtopic.php?t=54148 http://www.bogleheads.org/forum/viewtopic.php?t=32694 http://www.bogleheads.org/forum/viewtopic....
by EyeDee
Sat Feb 20, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: "restricted and purged" aka my VG Brokerage experience
Replies: 56
Views: 8108

Brokerage conversion

. It may not be a pleasant choice, but one should still have a choice. Vanguard is required to get your permission to convert you to a brokerage, so you can always say no. Of course, they could start requiring use of brokerage for some feature that you want. However, it seems like it will be a long ...
by EyeDee
Mon Feb 08, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: [REVISED] Losing money to change asset allocation?
Replies: 14
Views: 1176

Tax Loss

. Kosomoto, You might want to consider selling a fourth to a third (to maybe half) of VXF Extended market holding (depending upon your anxiety level) and putting it in VTI Total Market at the moment to harvest some Tax Losses - see numerous other conversations about Tax Loss Harvesting (which I see ...
by EyeDee
Sun Feb 07, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Brokerage Services] 1099Bs Issued at the End of Feb
Replies: 32
Views: 3361

Issuing 1099-B's

My understanding that the IRS deadline for issuing 1099s is February 16, 2016 (February 15th is a holiday) . This matches the information in "Sec. 6 Filing Requirements, Retention Requiremetns, and Due Dates" on page 13 of IRS Publication 1220, "Specifications for Electronic Filing o...
by EyeDee
Sat Feb 06, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking for a CFO
Replies: 6
Views: 1564

Re: Vanguard looking for a CFO

. Actually, the article now begins with "Vanguard Group is reviving the post of top chief financial officer ...". They use to have a CFO. For example Ralph K. Packard was the CFO back in 1999 per a internet reference I found http://ww2.cfo.com/1999/10/ralph-k-packard-the-vanguard-group/ an...
by EyeDee
Sat Feb 06, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 4303

Re: Impact of Obamacare on investment decisions

. Mule, If you want a subsidy you have to do as NauticalRounder said "go to HealthCare.gov (the Federal site) it should refer you any State-run MarketPlace sites, if your state has one of these. If not, HealthCare.gov is the Federal site that will walk you through the process." You can als...
by EyeDee
Sat Feb 06, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 4303

Re: Impact of Obamacare on investment decisions

. What counts is the current year's income. Since it raises a red flag when it is significantly different from past income, you are likely to be required to provide an explanation of why your 2016 income will be down, but you should check on what you have to do as it could mean a significant subsidy...
by EyeDee
Sat Feb 06, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 4303

Re: Impact of Obamacare on investment decisions

Protagonist, You probably need to crunch some numbers. And you need to decide what level of income you want - 199% of poverty, 249%, 399% depending upon what level of subsidy you expect. From some of your later comments it appears your income may be too high to matter much, but for some people they ...
by EyeDee
Sat Feb 06, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 4303

Re: Impact of Obamacare on investment decisions

. Protagonist, It sounds like you have a basic understanding, but do remember that if you have appreciated stocks that you would be selling otherwise for rebalancing reasons, you should use them for income before using Traditional IRA withdrawals for income. Say you would normally sell $10,000 of st...
by EyeDee
Sun Jan 31, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Calculating expense ratio with multiple funds
Replies: 20
Views: 1234

Calculating expense ratio with multiple funds

. Vanguard Target Retirement 2020 Fund (VTWNX) ............................................................................ Holding % ..ER%.. Weighted ER% Total Stock Market Index Fund Investor Shares...................... 35.70% ...0.17%..... 0.0607% Total Bond Market II Index Fund Investor Shares*...
by EyeDee
Wed Jan 27, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Asking questions of Vanguard
Replies: 10
Views: 1044

Re: Asking questions of Vanguard

. Older inquires were answered relatively well, but our last secured message this past summer was answered in a manor that seemed like a very poor AI system which keyed on one word and gave an a very poor answer that appeared to be a canned response that did not address the issue. I hope not, but it...
by EyeDee
Thu Jan 21, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Treasury money market
Replies: 14
Views: 2001

Treasury Money Market

. However, Treasury Money Market will not be allowed for a sweep account. https://investor.vanguard.com/mutual-funds/money-market-reform/ "If you have a brokerage account, money market reform will affect your settlement fund choice in 2016. Vanguard Federal Money Market Fund will be the only mo...
by EyeDee
Mon Jan 18, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

. Christine, Thanks for the response. I think I could handle your method along with most others people have posted on the site for doing RMDs into my 80's based upon family history. But what I am looking for is something simpler for when I and/or my wife might be not quite up to doing as much partic...
by EyeDee
Mon Jan 18, 2016 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

. Ken, This is similar to what I currently had planned, but since I want to hold some stock funds in the IRAs it still would require occasionally needing to move money from the stock funds to the bond funds so could not be put completely on autopilot as we got older, so looking to change back to usi...
by EyeDee
Mon Jan 18, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

. Alan, Thank you for your comments. I agree, although I would like to see them do the calculation quarterly which would mean some extra calculations. I can see why VG would not want to re calculate the proportional amounts for those taking RMDs using several distributions during the year. But it se...
by EyeDee
Mon Jan 18, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

. Fposte, Thank you for your comments. This is an idea I have thought about, but it has too small flaws. One you could loose some tax deferred growth depending upon intervals/timing of withdrawals. The second is that the earliest you can take a RMD service withdrawal is the fifth of January. And if ...
by EyeDee
Mon Jan 18, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

. JW-Retired, Thanks for the reply. We have considered using Vanguard balanced funds, but they change their holdings or glide path too much for our comfort. Could you make do with just one of the 4 Life Strategy Funds in your IRA, (e.g. VSCGX). Pick the one that most closely matches your permanent A...
by EyeDee
Mon Jan 18, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Re: Requesting Help Simplifying RMDs

Livesoft, Thanks for the response, but what I am looking for is a way that I or my wife do not have to do anything ourselves when we get too old to "see what gets taken out" or do any requests or other additional things besides filing the tax forms. We have no children so will be doing thi...
by EyeDee
Mon Jan 18, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 1004

Requesting Help Simplifying RMDs

. In trying to set up procedures to simply money management procedures as we get older and might not be able to handle things as easily, the biggest stumbling block continues to be Required Minimum Distributions (RMDs) at Vanguard. I was wondering how others handled simplified RMDs. One possibilitie...
by EyeDee
Sat Jan 09, 2016 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Switch to Vanguard Federal Money Market?
Replies: 4
Views: 1200

Prime to Federal Money Market

. John, We switched from Prime Money Market to Federal Money Market because of the changes coming for Prime Money Market and did not want to have any possible delays in the automatic withdrawals we do from a money market fund. If Treasury Money Market opens up before the changes go into effect in Oc...
by EyeDee
Thu Jan 07, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: VOO as a % of SP500 index
Replies: 29
Views: 1882

Re: VOO as a % of SP500 index

. I am not sure what you are getting, but if you use Morningstar to plot a fund first to get dividends reinvested, for last 3 years: Vanguard 500 Index Admiral: 14,441.02 VOO: 14,439.17 S&P 500 TR USD: 14,456.26 For last 5 years: Vanguard 500 Index Admiral: 17,350.12 VOO: 17,346.03 S&P 500 T...

Go to advanced search