Search found 2229 matches

by Munir
Mon Apr 24, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 53
Views: 5959

Re: Ally Bank - Savings now 1.05%

Is a .05% difference in interest rate worth transferring funds from another bank?
by Munir
Mon Apr 24, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 44
Views: 2454

Re: Is $20K I-Bonds considered cash or bond?

nisiprius quote: "Personally, then, I think that I bonds that are over a year old are much more like "cash" than they are like "bonds.""

Accurate summary.
by Munir
Mon Apr 24, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 313
Views: 29134

Re: Larry Swedroe says "Goodbye."

Is anyone going to correct the word "goodby" in the title by adding an "e" at the end of it?
by Munir
Sat Apr 22, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 955

Re: What bond index recommendations for $10K in Roth IRA?

I have $10K CD maturing May 1st in my Roth IRA at Fidelity. I would like to keep the new investment bond-like and not risk it in equity. These funds won't be touched for 25+ years. I can get a guaranteed 2.75% per year by purchasing another 10-year non-callable Brokered CD. Is any high-quality bond...
by Munir
Thu Apr 20, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 313
Views: 29134

Re: Larry Swedroe says "Goodby."

Don't know if Larry will ever read this but just in case, I'd like to express my thanks to him for his insightful posts, for educating us on the latest factor research among other things, for giving us plenty of free and sound advice, and for spending a great deal of time from a busy professional s...
by Munir
Thu Apr 20, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 313
Views: 29134

Re: Larry Swedroe says "Goodby."

Larry, your contributions were always thought-provoking and leading to great dialogues and discussions. I regret the personal attacks from petty-minded people. Civility, as exemplified by our founder Taylor Larimore, has always been a cornerstone of discussions in this forum. If I become hot-headed ...
by Munir
Wed Apr 19, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 16
Views: 1289

Re: VINIX - Lacking Small and Mid-Cap

Hi all, I've done some research and have been informed that the VINIX (which I'm planning on investing heavily in) is lacking small and mid-cap by a few percent points. Can you point me in the right direction on balancing my portfolio regarding large, mid, and small-cap? Thanks, Tim Hi Tim, You wil...
by Munir
Tue Apr 18, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1549

Re: Intermediate versus Short Term Bond Funds

Thank you nisiprius for including VFIDX (VFICX) in a new graph. It did have a dip in 2008 when VBTLX did not but what fund doesn't- and does one dip condemn it to death forever? :happy. If you track it starting in 2007 before the dip, it stayed the course in 2008, then on to 2009 and forward, it has...
by Munir
Tue Apr 18, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1549

Re: Intermediate versus Short Term Bond Funds

(Yes, recycled from yesterday...) The following was posted in this forum on July 19th, 2009 here. I see the total bond fund and intermediate treasuries recommended a lot on here. I know people don't like to market time but interest rates are currently zero and whether rates rise in 2010 or 2011 or ...
by Munir
Tue Apr 18, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1549

Re: Intermediate versus Short Term Bond Funds

If in doubt, why not use both short term and intermediate term bond funds?
by Munir
Sat Apr 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2242

Re: Best way to take RMD

Munir says: Maybe I am confused by the dollar amounts with the "RMD" attached to them in each of your accounts. Are these the amounts that you have to withdraw as RMDs from these accounts? My understanding is that you can distribute enough money from one account to cover the total of all ...
by Munir
Sat Apr 15, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2242

Re: Best way to take RMD

[quote="EvelynTroy" I hold 2 IRA accounts - one in TDAmeritrade brokerage account($15,000 RMD) the other in a Credit Union CD ($4,000 RMD) - a total of $19,000 RMD. Evelyn[/quote] Maybe I am confused by the dollar amounts with the "RMD" attached to them in each of your accounts. ...
by Munir
Fri Apr 14, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5734

Re: Jack says be realistic

If you read the article, still includes a suggestion about being 100% equities early in life, moving towards 75% equities later in life, and a note that he is 50% equities himself. Don't see any bad actions coming out of article... Did he mean 75% to 25% equities or 75/25 stock bond allocation. Tha...
by Munir
Tue Apr 11, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: "Did Declining rates actually matter"
Replies: 26
Views: 1994

Re: "Did Declining rates actually matter"

Thanks for sharing – happy to answer any questions. I think it is worth pointing out that this work can be approximated pretty easily by looking at VBMFX's price return versus total return over time. Price return should capture re-pricing effects within the index (e.g. roll return, changes in yield...
by Munir
Mon Apr 10, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3181

Re: Anyone else own balanced index fund? [vbinx]

Unless you plan on changing your asset allocation I don't think it makes any difference whether you draw from a balanced fund or separate funds. I like to draw my RMD from the sector that has risen most during the previous 12 months. It's a form of rebalancing which is not possible if all one's IRA...
by Munir
Mon Apr 10, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3181

Re: Anyone else own balanced index fund? [vbinx]

I am a retiree and nearly 80 years old. I like this fund but it is not for me because it's too aggressive with 60% equities. I wish Vanguard had a fund like it with the percentages reversed i.e.with 40% equities and no internationals. Oh, to be 50 again (I can also take 60)! One problem with a sole...
by Munir
Sun Apr 09, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3181

Re: Anyone else own balanced index fund? [vbinx]

I am a retiree and nearly 80 years old. I like this fund but it is not for me because it's too aggressive with 60% equities. I wish Vanguard had a fund like it with the percentages reversed i.e.with 40% equities and no internationals. Oh, to be 50 again (I can also take 60)! One problem with a sole ...
by Munir
Fri Apr 07, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX or MWTRX? Vanguard Total Bond Market Index Fund or Metro West
Replies: 11
Views: 625

Re: VBTLX or MWTRX? Vanguard Total Bond Market Index Fund or Metro West

Zuma that is a great option. Thank you very much. Do you use the Core fund in your AA? I hold it. It is one year old as of 3/28/17. ER 0.15%. SEC yield 2.42%. Ave. credit quality A. Holdings 52% US government. Duration 6.0 years. I'm happy with it, but still prefer VFIDX (Int. Investment Grade) wit...
by Munir
Tue Apr 04, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Siamond: thank you for the graphs. They confirm my views that many BHs have over-reacted to the 2008 transient hiccup that the Intermediate Investment Grade Bond Fund (VFIDX) experienced. Treasuries have had their dips but no similar reaction to them. My reservation about VBILX is its longer duratio...
by Munir
Tue Apr 04, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6900

Re: Is anyone decreasing % of bonds this year?

I'm a retiree with a short-term timeline. I did not decrease my bond fund allocation but did shorten the duration by transferring some funds from intermediate bond funds to a short term bond fund.
by Munir
Mon Apr 03, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Has there been a study about actual defaults of corporate bonds in Vanguard Investment Grade Bond funds that were of significance to the valuation and success of that bond fund?
by Munir
Mon Apr 03, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

I have a lot of VFIDX (Intermediate Investment Grade) which has an M* credit rating of A. It took quite a tumble in the fall of 2008. The AA rated VBTLX (total bond mkt) did much better in that equity decline period. VCORX has fewer corporates (29% versus 67% for VFIDX). Would one expect a better p...
by Munir
Mon Apr 03, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Doc: below are the numbers I was referring to. Thank you for your clarifications. ---------------------------------------------------------------------------------- From the Vanguard web site: Portfolio composition Distribution by credit quality†† (% of fund) as of 02/28/2017 Core Bond Fund Admiral ...
by Munir
Sun Apr 02, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

In the "compare" chart by Vanguard for VCOBX and VBTLX, both funds have the same risk ranking at "2". I don't necessarily agree that higher return for a bond fund automatiocally means higher risk. Supposedly, the bond choices by managers can provide the edge for one fund over an...
by Munir
Sun Apr 02, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 5442

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Vanguard also rates vcorx has having higher risk than the total bond market index fund, so how much of the excess return is due to active mgmt skill vs just taking more risk is unclear. In the "compare" chart by Vanguard for VCOBX and VBTLX, both funds have the same risk ranking at "...
by Munir
Thu Mar 30, 2017 4:52 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24538

Re: John Bogle on international

Up with Jack. Down with International. :happy
by Munir
Wed Mar 29, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 35
Views: 4650

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

nisiprius, thank you for the comprehensive and easy-to-understand explanation.
by Munir
Wed Mar 29, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 35
Views: 4650

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

Thank you for the replies. Did you learn how to answer these questions for yourself on morningstar.com? I hope we don't start lecturing each other on this forum but maintain courtesy and understanding. Not everyone, including yours truly, has the same degree of financial expertise to read and analy...
by Munir
Wed Mar 29, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 35
Views: 4650

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

Thank you for the replies. Did you learn how to answer these questions for yourself on morningstar.com? I hope we don't start lecturing each other on this forum but maintain courtesy and understanding. Not everyone, including yours truly, has the same degree of financial expertise to read and analy...
by Munir
Mon Mar 27, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Annuity to defer interest income
Replies: 11
Views: 899

Re: SPIA to defer interest income

Since what the OP is describing is not an SPIA, shouldn't the title be revised accordingly?
by Munir
Thu Mar 23, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2706

Re: Why buy short-term bond funds when you can get 1% in savings acct?

VFSUX (Short Term Investment Grade fund) has a duration of 2.6 years and an SEC yield of 2.05%. I have transferred some IRA intermediate bond fund assets to it recently while also maintaining a hefty allocation in a 1% on-line savings account of personal funds. They have slightly different goals and...
by Munir
Thu Mar 23, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2706

Re: Why buy short-term bond funds when you can get 1% in savings acct?

How about using both: a short term bond fund such as short Term Investment Grade (VFSUX) and a savings account in whatever percentage allocation that you like?
by Munir
Mon Mar 20, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1752
Views: 964246

Re: The Three-Fund Portfolio

This is the best and most observant question that I have seen on the subject of the 3 fund portfolio or on any other portfolio. It is particularly relevant to those of us who are older and have high allocations in the Total Bond Index. I am also not an expert but it would seem that our bond portfol...
by Munir
Sat Mar 18, 2017 1:16 am
Forum: Investing - Help with Personal Investments
Topic: suggestions for short term bond fund
Replies: 4
Views: 459

Re: suggestions for short term bond fund

VFSUX- Vanguard Short Term Investment Grade
by Munir
Thu Mar 16, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?
Replies: 25
Views: 1280

Re: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?

Would someone help me understand why VBILX (Vanguard Intermediate-Term Bond Index Fund) dropped approximately 5% late last Fall? I had just put money into that fund (I should have DCA'd instead of putting in a lump sum!), and now I am down more than 5%. If I knew the cause, I might be able to avoid...
by Munir
Sat Mar 11, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23373

Re: How to Die

I'm glad this thread has been revived, as it's timely for me-- my husband died in January, I have cancer, and I'm now receiving palliative care only. After talking to friends and relatives, I'm leaning toward hiring a professional guardian to be my "Advance Directives" person. I'd almost ...
by Munir
Sat Mar 11, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23373

Re: How to Die

Thank you kiddoc. Looks like there is something similar in NC called an MOST, Medical Orders for Scope of Treatment. Oregon has the POLST- Physician's Orders for Life Sustaining Treatment which is actually a set of orders by the patient's physician that are drawn up by the patient and the physician...
by Munir
Fri Mar 10, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23373

Re: How to Die

I wouldn't call advance directives a sham. They don't always work but most of the time they do. It's worth having them and also convincing your family and health care providers now to be ready to execute them when the time comes. I just pointed out that you don't have to convince your family member...
by Munir
Fri Mar 10, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Shortening My Duration
Replies: 5
Views: 413

Re: Shortening My Duration

Sounds OK to me. I use short-term corporate bond index (VSCSX) instead of VFSUX because the former has an ETF share class. (VCSH). Do you have a plan to increase your bond fund duration at some point? What is it? I will probably exchange some money from VCSH/VSCSX to BND/VBTLX after next week's FOM...
by Munir
Fri Mar 10, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23373

Re: How to Die

My stepson's wife has serious MS and wants to prepare for possible progression. She is unable to find anyone who it willing to carry out her wishes to act as her Health Car Agent. She even ask my wife. She is still competent to sign an Advance Directive (also called a Living Will). She is not dumb,...
by Munir
Fri Mar 10, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Shortening My Duration
Replies: 5
Views: 413

Shortening My Duration

I am an 79 year old retiree with 70% of my IRA (which has most of my portfolio) in fixed income (55% bond funds and 15%cash) and 30% equities. I have been shortening the duration of my bond funds by shifting periodically from intermediate bond funds to the Short Term Investment Grade (VFSUX)- the la...
by Munir
Wed Mar 08, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23373

Re: How to Die

Another part of the healthcare equation that a lot of people don't understand is when I'm getting ready to put someone to sleep for a procedure and they have an advanced directive or DNR. They are asking me to give them lethal doses of medication and then if something "goes wrong" I'm not...
by Munir
Tue Feb 28, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Oregon Form 1099-G shows Kicker instead of Refund
Replies: 19
Views: 6289

Re: 2016 Oregon Form 1099-G shows Kicker instead of Refund

You should also figure what your deduction would have been had you elected to itemize state and local sales taxes instead of SIT. The refund should not be taxable on the 1040 to the extent that sales taxes could have been itemized in lieu of SIT. In a high SIT state, you may well have needed to pur...
by Munir
Mon Feb 27, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Over this period or any other, comparing directly to VTSMX+VFITX doesn't really answer the question about whether it would help. One way to frame the question is that if choosing an allocation to equities and nominal bonds, does limiting the bond portfolio to treasuries enable a larger allocation t...
by Munir
Fri Feb 24, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

I don't know why there isn't enough emphasis in discussions in this forum on total return and duration when intermediate bond funds are being compared but most of the talk is about 2008! I think that is because many investors hold bonds to offset the risk in equities. A bond fund that is down 14% d...
by Munir
Wed Feb 22, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

I think what some consider a minuscule difference in return is not that small if 60-70% of your portfolio is in bond funds. Looking at total returns of different periods of the past decade should be one of the factors that can help in choosing a fund. The Intermediate Investment Grade fund had a tra...
by Munir
Wed Feb 22, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Took a quick look at what happened when rates increased late last year. VBTLX dropped about 4%, VBILX dropped about 5%. So a noticeable difference but to me at least not one that is significant or worrisome. For me, both VBILX and VBTLX have longer than desirable durations. I suggest adding VFIDX (...
by Munir
Tue Feb 21, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

I struggled with the same question. I think that in 20+ years the difference in your portfolio using one vs the other will be minimal and no way to tell which will be "better". However, a choice needs to be made and I opted for VBILX. I was leaning this way because VBTLX has a high percen...
by Munir
Tue Feb 21, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5114

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

I think there is a significant difference other than the MBS holdings, long term bonds, and different allocations to corporates and US government instruments. The significant difference to me in this rising interest rates environment is duration . Most experts agree that longer duration is a disadva...
by Munir
Tue Feb 14, 2017 1:51 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 3321

Re: [Bogleheads Sites Are Ad-Free]

At the risk of sounding rude, what part of NO ADS do some posters not understand -per Mel's post? this site already uses advertising to support its operation through the use of Amazon affiliate links. ....But if you have concerns about ads for Fidelity or Vanguard creating the appearance of a prefe...

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