Search found 1110 matches

by EyeDee
Sun Nov 19, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 2678

Advantages of Not treating all accounts as one

. Fennewaldaj, As indicated by others, there can be considerable cost to holding the same asset allocation (AA) in each account, but there can be some advantages, so if one does it they need to be aware of those costs and weigh the two situations carefully. By same asset allocation I mean the same s...
by EyeDee
Sat Nov 04, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Did Vanguard change from 20% to 30% stock in TD retirement income fund?
Replies: 19
Views: 2190

Re: Did Vanguard change from 20% to 30% stock in TD retirement income fund?

. Yes, Vanguard changed the stock percentage in the Target Date Retirement Income fund from 20% to 30% in 2006. See the Wiki page: https://www.bogleheads.org/wiki/Vanguard_target_retirement_funds "In the years since launching the TR funds, Vanguard has made two significant changes to the funds' asse...
by EyeDee
Wed Nov 01, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14615

Re: 2018 ACA rates now live....

. The premiums DO rise in a graduated way that correlates to income, but the gradual change stops when one's income hits 400% of the federal poverty level. This thread has been very disheartening. For someone who plans on early retirement it is downright frightening to do so. As a new retiree I can ...
by EyeDee
Thu Oct 26, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14615

Re: 2018 ACA rates now live....

. Munemaker, Beware that your statement that "the insurance companies raised the prices of the silver plans on the exchange only" applies to only about 20 states. Other states did things differently. Last I seen 18 states had insurance companies raise prices of silver plans on and off the exchanges,...
by EyeDee
Sun Oct 15, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1368

Re: ACA stay below 250% FPL for 2017?

. Like Katietsu, I thought there was "some mechanism to take action if you clearly intentionally lied" or failed to tell the exchanges if your had a significant change in income that disqualified you for the CSRs going forward. Checking the Federal exchange I found this: "We need the information pro...
by EyeDee
Thu Oct 12, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10466

Re: 2018 ACA costs arrived

. I believe how much the cost sharing reduction subsides (CSRs) are spread if they are not paid by the federal government depends upon the state. In some states the increase is being restricted to silver plans on the exchanges which would mean the increase is covered by increased subsides for the pr...
by EyeDee
Tue Oct 10, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2663

Recent Monthly Health Insurance premiums

. Our monthly premium for couple before ACA: 2010 1276 2011 1404 2012 1508 2013 1596 Our monthly premium for couple on ACA Exchange: 2014 1115 2015 1319 2016 1528 2017 1790 2018 Unknown - old insurer leaving exchange in 2018 Our monthly premium actually paid was lower than ACA Exchange premiums list...
by EyeDee
Tue Sep 26, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: GM Master Card Site
Replies: 7
Views: 753

Re: GM Master Card Site

. Wife says she saw the announcement of change recently when on the site. However, if you get error that cannot find any products that match your information and you are sure you entered everything correctly (or tried a second time to be sure you got it right), you might want to wait to try again un...
by EyeDee
Sat Sep 23, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 97
Views: 9733

Brokerage Accounts and Mutual Fund accounts

. Since Vanguard needs to maintain a mutual fund only platform for people whose job prevents them from having a brokerage account, they are going to need to keep two type accounts - mutual fund only and brokerage only with the associated costs. It is not two type accounts that is the problem, it is ...
by EyeDee
Tue Jun 13, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 12825

Re: Vanguard's new "account overview" page... BOO!

. Ulladulla28, Although we are both now have the new account overview page, for a considerable time I was converted and my wife was not, so you are likely to be converted some time later. ---- I still do not understand the purpose of the "giant font everywhere" on the account overview page as mentio...
by EyeDee
Tue Jun 06, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: CapitalSpectator major asset classes performance review
Replies: 5
Views: 510

Foreign Real Estate Companies

. However, you might want to look at Vanguard's Global ex-U.S. Real Estate Index Fund, although it tracks the S&P Global ex-U.S. Property Index it still contains a large amount of foreign REITs in addition to foreign real estate management and development companies. ...The stark contrast between for...
by EyeDee
Mon May 15, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Declining Balance" automatic withdrawals
Replies: 6
Views: 2275

Re: Vanguard "Declining Balance" automatic withdrawals

. Nisiprius, Did you try Declining Balance and did it work as expected? Or did someone else try it? Thanks. Note: This is an old thread from 2008. A Vanguard rep confirms verbally that the "declining balance" withdrawal method means that the amount of each payment is calculated by dividing the value...
by EyeDee
Sun Apr 16, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Question on open ended mutual funds
Replies: 4
Views: 536

Re: Question on open ended mutual funds

. I believe they buy during the last few minutes before end of day closing based upon the orders up to that point (probably using some buy on close orders for the orders during the last couple of minutes). What does not get process in time would end up as part of a fund's cash holdings. Until comput...
by EyeDee
Fri Mar 31, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Is there any difference between a Rollover IRA and a Traditional IRA?
Replies: 21
Views: 2445

Rollover IRA and a Traditional IRA Difference

. There are some differences in protection of IRAs in bankruptcy. States have rules that can effect the federal protections. m ". . . IRAs have federal protection in bankruptcy proceedings, but that protection is limited. The limit is adjusted every three years. It has now been adjusted for 201...
by EyeDee
Mon Mar 20, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 2190

Quarterly Dividends

. Jhfenton, InvestorNewb, I am not familiar with ETF dividends, but normally the normal mutual fund dividend amount per share is not available (published on Vanguard site) until the day after the declaration and does not show up in the account until overnight that evening. Do Vanguard ETF dividends ...
by EyeDee
Sat Mar 18, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: What percentage of the global stock and bond market consists of non-US assets?
Replies: 7
Views: 755

Re: Stock and bond market precentages

. If I am reading the numbers correctly for bonds on page 59 titled page 57 and for stocks on page 61 titled page 59 in the PDF factbook at the page linked by Valuethinker and typed them into Excel correctly, that means as of 2015: U.S. Stocks: 17.13% U.S. Bonds: 23.83% Non-U.S. Stocks: 26.23% Non-...
by EyeDee
Sat Mar 18, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: What percentage of the global stock and bond market consists of non-US assets?
Replies: 7
Views: 755

Stock and bond market precentages

. If I am reading the numbers correctly for bonds on page 59 titled page 57 and for stocks on page 61 titled page 59 in the PDF factbook at the page linked by Valuethinker and typed them into Excel correctly, that means as of 2015: U.S. Stocks: 17.13% U.S. Bonds: 23.83% Non-U.S. Stocks: 26.23% Non-U...
by EyeDee
Fri Mar 10, 2017 9:43 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 3617

Vanguard Verification Procedures

. Our experience has been that when Vanguard calls about something before they will discuss things they attempt to verify our identity. Although it seems to be Vanguard's standard procedure, unless we are expecting the call or we can get them to discuss things without involving account information f...
by EyeDee
Mon Feb 27, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 2166

Re: Vanguary Money Market Question

. Do you really want to tie up $5,000,000 in a money market fund (minimum for admiral shares VMRXX)? Putting a smaller amount in the investor shares might make some sense, but you still might want to keep the majority of the money in the higher yielding funds and tie them to your Vanguard account as...
by EyeDee
Sat Feb 25, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 11
Views: 1349

Re: Rebalancing frequency - Balanced funds

. pwesben, In general, I agree that balanced funds might not aggressively rebalance on a daily basis, but they would need to do something with daily money flows, so would automatically be rebalancing at least to the degree of their money flows in and out on a daily basis. I strongly suspect Wellesle...
by EyeDee
Sat Feb 25, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing frequency - Balanced funds
Replies: 11
Views: 1349

Re: Rebalancing frequency - Balanced funds

. Copernicus, Although the study listed below does not directly cover rebalancing within a balanced fund, it does a thorough review of various rebalancing periods including one day and might help answer your questions. m In balanced funds, rebalancing must happen daily as the fund hopefully receives...
by EyeDee
Fri Feb 24, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5623

VEU vs VXUS Holdings

. Triceratop, I believe you might be mistaken that VEU is now an all-cap fund. The following is from VEU's "Strategy and policy" page: m "Strategy and policy Investment strategy Vanguard FTSE All-World ex-US ETF is an exchange-traded share class of Vanguard FTSE All-World ex-US Index ...
by EyeDee
Sun Jan 29, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: The medium is the message
Replies: 6
Views: 1058

Vanguard Brokerage

. The special ETF/mutual fund funds does not necessitate Vanguard having to have a brokerage portion. Vanguard could be exclusively mutual funds and let people who want to buy Vanguard ETF's buy them at other brokerages. In fact many posters on the board often advocate people buy Vanguard's ETF's at...
by EyeDee
Mon Jan 23, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance tax penalty
Replies: 69
Views: 6451

Health Insurance Sign-up

. You need to make time to get signed up for health insurance by the end of January 2017 to get it done during the open period for 2017 or you may have to wait until 2018 for health insurance. Make time to get this resolved in January. See: m I will get a very high deductible health insurance, but w...
by EyeDee
Mon Jan 23, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 9359

Re: Upgrade button on Vanguard IRA

. Silence Dogood, As much as I agree with you that I would prefer Vanguard would get rid of its brokerage platform and stick to mutual funds, I do not think it is likely to happen at this point. However, I would like to see them at least allow a simple mutual fund account when people sign up for a n...
by EyeDee
Sun Jan 22, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6669

Re: Vanguard 1099s

. Probably is not necessary. Getting your 1099 later is just one more reason why a brokerage account is not a good idea for someone who only owns Vanguard mutual funds. I have the updated brokerage accounts at Vanguard but I hold only mutual funds in them, not ETFs. I'm not sure that end of February...
by EyeDee
Sat Jan 21, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Doing Taxes for the First Time....
Replies: 7
Views: 1044

Re: Doing Taxes for the First Time....

. Like OneInThirteen, we do them with the aid of Excel, but type them into fillable forms from the IRS and our state and print them off to avoid errors when the forms are read/scanned for processing. The IRS fillable forms can be found at: m I have had an accountant do my taxes for over a decade. I ...
by EyeDee
Tue Jan 17, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Short Term TIPS in retirement portfolio
Replies: 23
Views: 2696

Re: Short Term TIPS in retirement portfolio

.
Fundhunter,

Perhaps this Vanguard paper comparing long and short TIPS might be of value to you:

https://institutional.vanguard.com/iam/pdf/ICRLSTPS.pdf
by EyeDee
Sun Jan 01, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Surprisingly good whole life policy?
Replies: 35
Views: 3401

Re: Surprisingly good whole life policy?

. Although buying term and investing the difference is usually better than whole life insurance, many whole life policies over 6-10 years old from large strong mutual life insurance companies have reached a point where they might give an acceptable return on the money, but one needs to check them ea...
by EyeDee
Thu Nov 17, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where to compare health insurance plans
Replies: 8
Views: 800

Re: Where to compare health insurance plans

. Go to: m It allows you to compare plans without creating an account. During non-enrollment times of the year there has been a large button for selecting it on the main page CFM300 linked, but during enrollment it is harder to find. I have it bookmarked so I am not even sure how you get there from ...
by EyeDee
Tue Nov 15, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: Is USAA, TIAA-CREF, and Dodge and Cox also non-profit???
Replies: 6
Views: 1439

Vanguard Ownership

. One minor correction, Vanguard is owned by its U.S. fund investors. Vanguard is not a non-profit. Whatever made you think it was? A confusion between Not-For-Profit and "cooperatively owned" I think. VG is owned by its fund investors. That's fairly unique in the fund management world, I ...
by EyeDee
Sat Nov 12, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: Portfolio = over 98% of Net Worth (too much invested?)
Replies: 20
Views: 3588

98% at Vanguard?

. You may have this covered already with a non-Vanguard emergency fund you did not mention, but if not you might want to consider having some money in savings bonds, bank CDs, online saving account, and/or possibly another mutual fund company to handle situations where Vanguard access is temporarily...
by EyeDee
Thu Nov 03, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Healthcare.gov logon
Replies: 4
Views: 509

Re: Help with Healthcare.gov logon

. Thank you to those who replied. Waiting at the wait page did not seem to work. After posting I tried to logon using another browser and got logon prompt, so went back to Internet Explorer browser (which we need to use to avoid popup blocker) and tried logon there again. Logon worked. We were able ...
by EyeDee
Thu Nov 03, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Healthcare.gov logon
Replies: 4
Views: 509

Help with Healthcare.gov logon

. Is anyone else having problems getting logged on to Healthcare.gov to get signed up for next year? When it puts you to the screen with: "Health coverage is right around the corner! (en Español) We need you to wait here, so we can make sure you have a good experience on our site. While you wai...
by EyeDee
Mon Oct 17, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Snowblower
Replies: 39
Views: 4639

Re: Snowblower

. We got the snow blower from Amazon in 2015 but last winter was the lightest we can remember so barely had enough snow to try it out let alone determine how good it works in heavier snow. But the first minute of this video seems to indicate it can handle much more snow than we got last year. m I ha...
by EyeDee
Wed Oct 12, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: any one planning to add precious metal in there portfolio
Replies: 21
Views: 2263

Re: Fixed Income

. Close. Although some people include their emergency money in their fixed income allocation, you are early enough in your investing life that you might want to avoid including your emergency money as part of your fixed income. What I was suggesting was to have 10%-15% in fixed income besides your e...
by EyeDee
Fri Oct 07, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: any one planning to add precious metal in there portfolio
Replies: 21
Views: 2263

Fixed Income

. Rambojani, Despite your strong cash flow situation you might want to consider keeping 10% to 15% in fixed income until your planned increase at 50 instead of being 100% in stocks until then. You could hold 5% to 10% in online savings account and the remainder in short term bond funds. This would p...
by EyeDee
Sun Oct 02, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 1223

Re: Dividends for fund not own whole month

. Phineas J. Whoopee, Also, Vanguard's newer bond index funds such as Short/Intermediate/Long Government Bond Index and Short/Intermediate/Long Corporate Bond Index funds accrue interest into NAV but pay dividends monthly with a drop in NAV like the ones you list that pay quarterly. (That's why I ad...
by EyeDee
Sat Oct 01, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 1223

Re: Dividends for fund not own whole month

. Tommy, So applying the information posted by others. If both your bond funds accrued dividends daily and paid monthly, last week when you moved things your old bond fund probably paid the month-to-date/pro-rated income you had accrued on the old fund to that date (buying a little more of the new f...
by EyeDee
Sun Sep 25, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Marketplace
Replies: 10
Views: 1545

Re: ACA Marketplace

. Yes, to avoid being shuttled to Medicaid you need to continue to generate some income next year. Supplementing the income you will get during the first quarter by withdrawing from your IRA the remainder of the year is a very appropriate plan. When you review things on the ACA marketplace before si...
by EyeDee
Sat Sep 03, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard "Fund" to "Trust"
Replies: 10
Views: 1875

Re: Vanguard "Fund" to "Trust"

.
The following links to an explanation of a collective trust vs mutual fund by Harry Sit, The Finance Buff, who posts here as TFB:

https://thefinancebuff.com/collective-t ... rence.html
by EyeDee
Sun Aug 28, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Goliath, Inc (Vanguard) revenue
Replies: 14
Views: 2606

Vanguard Proxy Voting

. Although it often seems to us that we have little say in Vanguard procedures (I believe you are correct that they can raise their staff and ERs without our say) and might not get the information we feel we deserve (for example I would like to see the top salaries disclosed), Vanguard does occasion...
by EyeDee
Sun Aug 21, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1932

Health Insurance for Retiree

. Just be sure that your $400/month continues if you retire. Obviously if it is not through your work it should, however if it is through work it might go up considerably. Many companies that offer health insurance if one retires after reaching age 55, require one to pay much more of the premium alt...
by EyeDee
Fri Aug 12, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2571

Re: Portfolio Review ?

. I would recommend replacing Vanguard Global Minimal Volatility Fund with Total World Stock Index Fund to avoid stock fund manager risk and I would recommend replacing Short Term Investment Grade Fund with Short Term Bond Index Fund to reduce the use of corporates a little and to reduce the manager...
by EyeDee
Wed Aug 10, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard change my sweep account to Federal MM?
Replies: 4
Views: 1143

Vanguard sweep account change to Federal MM

.
Casimir,

Please see the following page for more details about the regulatory changes mnvalue mentions:

https://investor.vanguard.com/mutual-fu ... et-reform/

The other accounts are likely to be done soon.
by EyeDee
Sat Jul 30, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: When does the 5-year clock start on a second Roth?
Replies: 21
Views: 2841

Roth Transfer

. Smartinwate, I might be just misinterpreting your statement, but when you say "a few months later", did you mean two months or did you mean three or more? The reason I ask is that I thought a transfer between Roth accounts had to be completed within 60 days to avoid being disallowed. Sev...
by EyeDee
Fri Jul 22, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard site shows funds not owned?
Replies: 14
Views: 1737

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: 1536

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: 1536

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...