Search found 1096 matches

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: 1812

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: 532

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: 532

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: 2461

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: 1772

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: 1074

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: 1074

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. http://www.tdainstitutional.com/pdf/Opportunistic_Rebalancing_JFP2007_Daryanani.p...
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: 4612

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: https://personal.vanguard.com/us/FundsStrategyAndPolicy?FundId=0991&FundIntExt=INT "Strategy and policy Investment strategy Vanguard FTSE All-Worl...
by EyeDee
Sun Jan 29, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: The medium is the message
Replies: 6
Views: 922

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: 5487

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: https://www.healthcare.gov/ I will get a very high deductib...
by EyeDee
Mon Jan 23, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6328

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: 5705

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: 866

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: https://www.irs.gov/forms-pubs I have had an accountant do m...
by EyeDee
Tue Jan 17, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Short Term TIPS in retirement portfolio
Replies: 23
Views: 2074

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: 3030

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: 621

Re: Where to compare health insurance plans

. Go to: https://www.healthcare.gov/see-plans/ 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 n...
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: 1087

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: 3211

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: 333

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: 333

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: 4033

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. https:...
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: 1976

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: 1976

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: 1026

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: 1026

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: 1384

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: 1634

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
Fri Sep 02, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: want to leave comcast but keep my email?
Replies: 17
Views: 3015

Re: want to leave comcast but keep my email?

.
Situation might have changed as of April 2016:

http://forums.xfinity.com/t5/Email-Web- ... -p/2732689
by EyeDee
Sun Aug 28, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Goliath, Inc (Vanguard) revenue
Replies: 14
Views: 2236

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: 1723

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: 2323

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: 1037

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: 2596

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: 1396

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: 1361

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: 1361

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: 1361

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: 1434

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: 1487

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: 420

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: 819

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: 1150

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: 19
Views: 3050

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: 1874

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: 20
Views: 5046

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: 1404

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: 768

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: 991

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: 991

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: 2090

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...

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