Search found 1050 matches

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: 519

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: 733

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: 733

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: 1685

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: 1685

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: 1685

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: 1193

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: 1845

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: 2222

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: 1845

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: 2806

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: 4201

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: 22645

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: 5725

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: 5725

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: 5725

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: 6671

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: 7762

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: 1094

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: 3178

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: 1504

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: 4038

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: 4038

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: 4038

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: 4038

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: 1088

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: 997

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: 1915

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: 946

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: 946

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: 946

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: 946

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: 946

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: 946

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: 946

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: 993

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: 1734

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...
by EyeDee
Tue Jan 05, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: Does VXUS = VEU + VSS ?
Replies: 20
Views: 6224

Re: Does VXUS = VEU + VSS ?

. Rick, Dollar value. However, you should probably rerun the Morningstar Instant X-Ray's to verify that the numbers are still valid as it has been almost five years. So does purchasing a combination of VEU and VSS equal VXUS? If so what percentage? . I believe it has been indicated on the board that...
by EyeDee
Tue Dec 29, 2015 9:58 pm
Forum: Investing - Theory, News & General
Topic: Reversion to Mean vs Gambler's Fallacy
Replies: 65
Views: 4514

Reversion to Mean

Bhsince87,

Here is an old conversation on Morningstar's Bogleheads forum about Reversion to Mean that you might find interesting:

http://socialize.morningstar.com/NewSoc ... 60519.aspx
by EyeDee
Tue Dec 29, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 32
Views: 3501

Re: Vanguard Account Activity Alerts

. Silence Dogood, Automatic withdrawals from taxable money market to bank accounts have not been generating activity alerts. Since your automatic item will be an investment it might or because it is Roth purchase it might, but I would guess it probably will not if it is set up to happen automaticall...
by EyeDee
Tue Dec 15, 2015 11:24 am
Forum: Investing - Theory, News & General
Topic: [Vanguard temporarily reports incorrect change in Prime MM expense ratio]
Replies: 45
Views: 3965

Vanguard Expense Ratios

. Iceport, Are you sure about this: . . . By design, the banner notification does not appear when an expense ratio rises; it only appears when there is positive credit to be claimed. I cannot remember a specific case, but I thought it came up when rates went up in the past. Edit: I did find a case o...
by EyeDee
Thu Dec 10, 2015 11:47 pm
Forum: Investing - Theory, News & General
Topic: VG Precious Metals & Mining Fund up 21% this year. Why aren't other ETFs?
Replies: 48
Views: 1416

Vanguard Precious Metals & Mining Returns

.
Cfs,

Your numbers look like they come from the Vanguard site and as such only the YTD is as of 12/10/15, while the 1 year, 5 year, and 10 year are as of 11/30/15 according to the headings on the Vanguard site.
by EyeDee
Mon Dec 07, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 6833

Livesoft and Market Timing

.
Lumberingc,

Why the "haha"? If you spend some time reading livesoft's posts carefully, I think you will find that he means what he posted.

lumberingc wrote:
livesoft wrote:So I am not a diehard. Yes, I do market timing. Yes, I am rich.


haha
by EyeDee
Sun Dec 06, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 777
Views: 117678

Fee Tax Lawsuit

. TJ, Why??? Primecap surely makes money on the funds they manage for Vanguard. For the "Management Fees", if there is a need for a difference it should be the difference between Vanguard internally managed funds and Vanguard Primecap NOT the difference between Vanguard Primecap and Primec...
by EyeDee
Sun Dec 06, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 777
Views: 117678

Fee Tax Lawsuit

. It seems to me more and more of the commentary linked, is referencing Vanguards "Management Fees" and not "Annual Fund Operating Expenses" usually referenced on the board as expense ratios. If this tax concern is about the parts of expense ratios ("Annual Fund Operating Ex...
by EyeDee
Sat Nov 21, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard wants to consolidate Fund & Brokerage accounts
Replies: 1
Views: 533

Re: Vanguard Upgrade

. Bongleur, Please see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143847 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130133 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137123 https://www.bogle...
by EyeDee
Sat Nov 21, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Upgrade
Replies: 5
Views: 1498

Re: Vanguard Upgrade

. Exoilman, Please see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143847 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130133 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137123 https://www.bogle...
by EyeDee
Fri Nov 20, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: Slicing, Dicing, Tilting, Factoring, etc-ing -- my take
Replies: 100
Views: 8959

Portfolio Complications

. Once one sets up the funds in a slice and dice portfolio, why is that more complicated than other financial/tax headaches that one has to deal with as one ages (especially if one is comfortable with some drift by doing only occasional rebalancing as Mr. Bogle sometimes suggests)? In particularly, ...
by EyeDee
Thu Nov 12, 2015 7:35 pm
Forum: Investing - Theory, News & General
Topic: VG preliminary cap gains estimates
Replies: 12
Views: 1190

Target Retirement Funds

. EHEngineer, I am not sure but I would guess it is related to the gains/losses that were involved with the sales this year because of the different starts in the funds (and possibly the related historical changes made in the fund mixes over time). Target Retirement 2015, 2025, 2035, and 2045 were s...
by EyeDee
Sat Nov 07, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: Why does 25 bps matter?
Replies: 46
Views: 4442

Fed 25 bps Raises

. Jalbert, At one point I thought it would be 12-13 bp also as I thought they would be going back to 25 bps multiples, but I think recent stories indicated the Fed is planning on staying with ranges so the first increase is likely to be 25 bp to a 25 to 50 bp range. It isn't even 25 bps btw. The cur...

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