Search found 2137 matches

by Munir
Fri Dec 02, 2016 6:36 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 107
Views: 3839

Re: What percentage of international do you hold?

0% international- both equities and fixed income.
by Munir
Wed Nov 30, 2016 12:58 am
Forum: Personal Finance (Not Investing)
Topic: should I ask for referral bonus? (physician private practice)
Replies: 26
Views: 1874

Re: should I ask for referral bonus? (physician private practice)

How common are referral bonuses in physician group practices for members of that group? I have never heard of them in my medical community.
by Munir
Tue Nov 29, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: should I ask for referral bonus? (physician private practice)
Replies: 26
Views: 1874

Re: should I ask for referral bonus? (physician private practice)

I recently joined a private practice (as staff, non-partnership track). I am happy with job description/compensation/benefits/etc and subsequently referred a friend and former coresident of mine to the group. He subsequently signed on also for a staff position. Should I ask for a referral bonus fro...
by Munir
Tue Nov 29, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: "Where is the “Sweet Spot” for Passive Investing?"
Replies: 8
Views: 2179

Re: "Where is the “Sweet Spot” for Passive Investing?"

If you do not have enough money for an emergency fund to when you have enough money to consider multi-generational risk and want to buy 'insurance' of having assets throughout the world I cannot understand this post. Is it a one-sentence statement or a question, and what does it mean? If you do not...
by Munir
Tue Nov 29, 2016 2:30 am
Forum: Investing - Theory, News & General
Topic: "Where is the “Sweet Spot” for Passive Investing?"
Replies: 8
Views: 2179

Re: "Where is the “Sweet Spot” for Passive Investing?"

qwertyjazz wrote:If you do not have enough money for an emergency fund to when you have enough money to consider multi-generational risk and want to buy 'insurance' of having assets throughout the world


I cannot understand this post. Is it a one-sentence statement or a question, and what does it mean?
by Munir
Fri Nov 25, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2051

Re: "Bonds And The Good News About Rising Rates"

Thanks saltycaper. Looking forward to comments on his post.
by Munir
Mon Nov 21, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: "Vanguard Inflation-Protected Securities Is a Top Pick."
Replies: 23
Views: 3323

Re: "Vanguard Inflation-Protected Securities Is a Top Pick."

According to M*, VIPSX has done better than other Vanguard intermediate bond funds during the last month. But does that mean it will outperform on a long term basis as a core bond fund?
by Munir
Sun Nov 20, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?
Replies: 7
Views: 1246

Re: Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?

The question then arises whether or not the TIPS and GNMA funds could act as core fund holdings and whether their longer term results are as competitive as they have been for the past 3-4 weeks. Another variable is that no one know how long the interest rates will keep rising, and what happens to pe...
by Munir
Sun Nov 20, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?
Replies: 7
Views: 1246

Re: Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?

The TIPS fund has done well recently in spite of a relatively long duration compared to the other funds mentioned of over 8 years. I have no explanation for that. Maybe someone can enlighten us.
by Munir
Sun Nov 20, 2016 12:54 am
Forum: Investing - Theory, News & General
Topic: What does a bond bear market look like?
Replies: 91
Views: 7909

Re: What does a bond bear market look like?

At our age, 70's, we are heavy on bonds and the NAV has been dropping since the shaky election , with a rate increase expected in December by the Fed. The end of each year we take a lump sum RMD (100% bonds in IRA's)which amounts to another pension. Hope things calm down by then in bonds, but it ha...
by Munir
Sat Nov 19, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Michelin Premier AS, anyone have them?
Replies: 13
Views: 1114

Re: Michelin Premier AS, anyone have them?

I purchased them from Costco four months ago and have been very happy with their traction, low noise level, and performance generally.
by Munir
Sat Nov 19, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?
Replies: 7
Views: 1246

Which Vanguard Intermediate Bond Fund Fund Has Outperformed During Last 3 Weeks?

I tried to compare how the major Vanguard intermediate bond funds have performed during the rise in interest rates over the past 3-4 weeks. The closest comparison I could find is the M* fund comparison chart. It showed that over the past month, the Total Bond Market Fund (VBTLX), the Intermediate In...
by Munir
Sat Nov 05, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage Backed Securities (MBS) & Asset Backed Securities (ABS)
Replies: 11
Views: 902

Mortgage Backed Securities (MBS) & Asset Backed Securities (ABS)

I have read about the definition of Mortgage Backed Securities (MBS) and Asset Backed Securities (ABS). As a novice, what I am trying to get a handle on is what does ownership of these assets by a mutual fund mean to the credit risk and interest rate risk of the fund? For example, on the spectrum of...
by Munir
Mon Oct 31, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: New M* Review Article On Vanguard's Core Bond Fund
Replies: 4
Views: 787

Re: New M* Review Article On Vanguard's Core Bond Fund

I just noticed the three last conversations in an older thread on the same M* article above and a good graph. My apologies I did not see them earlier.

viewtopic.php?f=1&t=198779&start=50
by Munir
Mon Oct 31, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: New M* Review Article On Vanguard's Core Bond Fund
Replies: 4
Views: 787

New M* Review Article On Vanguard's Core Bond Fund

In an article dated October 30, Morningstar published a long article on the Vanguard Core Bond Fund (VCOBX) detailing its goals, strategy, style of management, and interviews with its managers. http://beta.morningstar.com/articles/775899/vanguard-goes-active-with-new-core-bond-fund.html Does it have...
by Munir
Fri Oct 28, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5439

Re: Who disagrees with Jack. . .

Since Argument By Authority is a fallacy, I don't agree with Jack just because he's Jack. In my judgement he's right on many things, but I don't agree with him on 'there's no need for international equity funds' and I share the OP's concern with adding more corporate bonds to the TBM. Jack's a livi...
by Munir
Sun Oct 23, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5439

Re: Who disagrees with Jack. . .

I strongly agree with Jack on corporate bonds and on avoiding international holdings. The re-balancing is minor and the Social Security issue I avoid since it sounds too complicated.
by Munir
Tue Oct 04, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4016

Re: Which Bond Fund As Emergency Fund?

Lieutenant.Columbo, Multiple respondents have suggested online savings accounts yielding slightly over 1% for your emergency fund but I don't recall you stating your opinion about such accounts. Do you have reservations about this option? Hi Munir, My only reservations about savings accounts yieldi...
by Munir
Tue Oct 04, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4016

Re: Which Bond Fund As Emergency Fund?

Lieutenant.Columbo,

Multiple respondents have suggested online savings accounts yielding slightly over 1% for your emergency fund but I don't recall you stating your opinion about such accounts. Do you have reservations about this option?
by Munir
Sun Oct 02, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can Payouts From SPIAs Help reduce RMD from A TIRA?
Replies: 22
Views: 1607

Re: Can Payouts From SPIAs Help reduce RMD from A TIRA?

Agree. I was recalling an inherited IRA. The owned IRA apparently experiences a slow reduction of RMD year over year, whereas an annuitized IRA would not. Can the value of an owned IRA increase significantly from the previous year depending on its holdings and have a value on 12/31 higher than the ...
by Munir
Sun Oct 02, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4016

Re: Which Bond Fund As Emergency Fund?

For me, an emergency fund cannot be a bond fund because of potential loss of principal. Assuming your emergency funds are taxable, what's wrong with an online savings account with 1% return? But, (there's always a but), if the emergency fund is quite large, you can have both a short term bond fund a...
by Munir
Sat Oct 01, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can Payouts From SPIAs Help reduce RMD from A TIRA?
Replies: 22
Views: 1607

Re: Can Payouts From SPIAs Help reduce RMD from A TIRA?

Yes, exactly. For example, your RMD for the year is 10k. At some point in the year you purchase an SPIA IRA by direct transfer to an insurance company IRA annuity. Those annuity distributions will start shortly after the purchase, but you will know how many monthly payments you will get that year. ...
by Munir
Sat Oct 01, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can Payouts From SPIAs Help reduce RMD from A TIRA?
Replies: 22
Views: 1607

Re: Can Payouts From SPIAs Help reduce RMD from A TIRA?

MN Finance is correct. This is the consensus opinion of noted IRA experts even though the IRS has been less than clear about this. The exception is in the year that annuitization takes place because there was a prior year end account balance for that year only. After that first year there is no lon...
by Munir
Fri Sep 30, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Can Payouts From SPIAs Help reduce RMD from A TIRA?
Replies: 22
Views: 1607

Re: Can Payouts From SPIAs Help reduce RMD from A TIRA?

SPIAs are not considered part of your account balance for RMDs, and income from a SPIA does not count towards satisfying the RMD itself either. For example, say you have a tIRA with $100k, and your RMD life expectancy factor is 10.0, meaning you have to take $100k/10.0 = $10k in RMD for this year. ...
by Munir
Fri Sep 30, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can Payouts From SPIAs Help reduce RMD from A TIRA?
Replies: 22
Views: 1607

Can Payouts From SPIAs Help reduce RMD from A TIRA?

A CPA I know says that since payouts from qualified SPIAs usually exceed the RMD needed from these funds, then such excess can help reduce the RMD from a traditional IRA for the individual holding both entities. Opinions? On a related issue, Principal Life says it does not issue the annual Fair Mark...
by Munir
Mon Sep 26, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Christine's article today on RMD's...a question to bogleheads
Replies: 37
Views: 3570

Re: Longevity annuities

My question is, have any bogleheads done the longevity annuity at 70 1/2 for reasons similar to mine? Birdsong: When my wife and I were about 80, we purchased two Single Premium Immediate Annuities (SPIAS) for several reasons: * They pay about 10%/year income for life (using-up principal). * No mor...
by Munir
Sun Sep 25, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 17426

Re: [Vanguard Core Bond Fund opens to investors]

Lady Geek: I see two inflation bonds in the Vanguard URL you posted. They are #1 and #10 in the top 10. Their total is 5.79%.

Have we solved the riddle of the discrepancy in the numbers? Is it all timing (date of record) and/or market value vs. total share classification?
by Munir
Sun Sep 25, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 17426

Re: [Vanguard Core Bond Fund opens to investors]

When in doubt, go to the source. Vanguard doesn't put this level of detail in the personal investor site, you need to use the "financial advisor" site. Vanguard: Core Bond Fund Admiral Shares (VCOBX) --> Composition --> Holding details Morningstar is here: Vanguard Core Bond Fund Admiral ...
by Munir
Sat Sep 24, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 17426

Re: [Vanguard Core Bond Fund opens to investors]

M* says that only 0.79% of the Core Bond Fund's holdings are TIPS (under portfolio). What am I missing?
by Munir
Sat Sep 24, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 17426

Re: Vanguard Core Bond Fund

Total Bond--the Vanguard Total Bond Market Index Fund, VBMFX and other share classes--does not include municipal bonds. People gripe about the fund's name. However, the fund tracks the Barclay's U.S. Aggregate Float-Adjusted Index, which in turn is based on the U.S. Aggregate Index, which Barclay's...
by Munir
Sun Sep 18, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 2428

Re: My bond portfolio - Comments

I admire your independent thinking and agree with your general philosophy. It has become dogma on our BH site to repeat the TSM, TBM, and Total International combination as the ideal portfolio for all. Another mantra is take your risk in stocks and therefore avoid corporate bonds. The dissenting vo...
by Munir
Sat Sep 17, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 2428

Re: My bond portfolio - Comments

I admire your independent thinking and agree with your general philosophy. It has become dogma on our BH site to repeat the TSM, TBM, and Total International combination as the ideal portfolio for all. Another mantra is take your risk in stocks and therefore avoid corporate bonds. The dissenting voi...
by Munir
Fri Sep 09, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780738

Re: U.S. stocks in freefall

It's interesting that only sellers of stocks (or those who have been waiting in the wings for a buying opportunity) in the last two weeks are posting today. Who was buying stocks in the last two weeks- if anyone? :confused
by Munir
Mon Sep 05, 2016 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Re: Vanguard Core Bond Fund

One area that has not been discussed is performance. While acknowledging the caveat that past performance does not predict future performance, it still remains a factor in decision making for me. Otherwise, why publish performance numbers at all. The Intermediate Investment Grade (VFIDX) and the Int...
by Munir
Sun Sep 04, 2016 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Re: Vanguard Core Bond Fund

In conclusion, is the Core Fund more risky than the Intermediate Investment Grade (VFIDX) and the Intermediate Bond Index (VBILX)? We know that VBILX has more interest rate risk according to M* (but not Vanguard) probably because of its longer duration, but is the credit risk for all three funds the...
by Munir
Sat Sep 03, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Re: Index vs. Managed Bond Funds?

Do you consider the Vanguard Intermediate Investment Grade fund (VFIDX) a managed fund? Do you think this core fund's style of management is similar to it? Hi Munir, My understanding is this fund is a managed fund (i.e. active management) and not an index fund. In terms of the fund's management sty...
by Munir
Sat Sep 03, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Re: Vanguard Core Bond Fund

Appreciate all the comments. What hasn't been touched on is that if one is 30/70 equities/bonds, a slight increase in the total return of the bonds is much more significant and worthwhile than if the bond segment was lower. Moreover, an increased risk in equities can have disastrous results that don...
by Munir
Fri Sep 02, 2016 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Re: Index vs. Managed Bond Funds?

I wonder how the BH community feels about the relatively new Vanguard Core Bond Fund (VCOBX) that was launched in late March 2016. Munir: I can't speak for the "BH community." However, I've learned that whenever I'm undecided about similar funds, it has been worthwhile to go with an index...
by Munir
Fri Sep 02, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5900

Vanguard Core Bond Fund

I wonder how the BH community feels about the relatively new Vanguard Core Bond Fund (VCOBX) that was launched in late March 2016. It is an intermediate bond fund managed by three Vanguard veteran managers, has a duration of 5.6 years, an SEC yield of 1.83%, a M* Credit Quality/Interest Rate Sensiti...
by Munir
Mon Aug 29, 2016 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Timing Of Roth Conversion
Replies: 7
Views: 819

Re: Timing Of Roth Conversion

Thank you for the responses.
by Munir
Fri Aug 26, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Timing Of Roth Conversion
Replies: 7
Views: 819

Timing Of Roth Conversion

What factors should I, a 79 year old retiree, keep in mind in deciding whether to make a conversion of some funds from my TIRA to my Roth assuming that my tax bracket remains the same and that tax rates remain unchanged or higher in the forseeable future? I am planning to rebalance from my equity fu...
by Munir
Sun Aug 14, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 5177

Re: Request for recommendations: English Mystery TV series

Scott & Bailey

Vera

Wallander (the Swedish versions)
by Munir
Wed Aug 03, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6911

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

Thank you for the explanation. I don't consider CU a "political" organization- scare quotation marks intended :happy . http://consumersunion.org/ Have a look. Then rethink. They are indeed an openly political organization. Political is not evil, but you should recognize it for what it is ...
by Munir
Tue Aug 02, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6911

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

Many of the negative comments above about CR complain of perceived "politics" of the organization. I wonder how much that has contributed to the negativity of the comments in contrast to just poor quality of the the content. Pushing a political agenda at the expense of objective reporting...
by Munir
Tue Aug 02, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6911

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

Many of the negative comments above about CR complain of perceived "politics" of the organization. I wonder how much that has contributed to the negativity of the comments in contrast to just poor quality of the the content. Pushing a political agenda at the expense of objective reporting...
by Munir
Tue Aug 02, 2016 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6911

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

Many of the negative comments above about CR complain of perceived "politics" of the organization. I wonder how much that has contributed to the negativity of the comments in contrast to just poor quality of the the content.
by Munir
Sun Jul 31, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6911

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

This thread is sounding like a lynch mob. I don't get the Consumer Reports in print anymore but I subscribe to their online version and have found it very helpful. I consult it before making any significant purchases. I don't find that it covers some areas I'm interested in, but generally the ones i...
by Munir
Sat Jul 23, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Core Bond Fund Corporate Holdings:Update 5/5
Replies: 11
Views: 1410

Re: Core Bond Fund Corporate Holdings:Update 5/5

The M* Sector Weightings are as of 3/31/16. and the Credit Quality is as of 4/30/16. I wonder why they are not updated yet.

Vanguard has this fund in the middle of the M* x-ray diagram while M* has it in the lower tier and as a BB bond quality. Whom should we believe?

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