Search found 2008 matches

by Munir
Thu Feb 11, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Why Aren't Long Term Treasuries Recommended Instead of Total Bond Market?
Replies: 53
Views: 4924

Re: Why Aren't Long Term Treasuries Recommended Instead of Total Bond Market?

Where would the Intermediate Term Treasury fund (VFIUX) fit in this discussion? Medium duration and all treasuries. Does it have the best or the worst of two worlds? For WIW, it has the best total return of all the intermediate Vanguard bond funds over the past 5 weeks.
by Munir
Wed Feb 10, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 20
Views: 4125

Re: Jeremy Siegel : I was too bullish

Toons wrote:Nobody Knows Nothing :happy


This means that Everybody Knows Everything :D .
by Munir
Fri Feb 05, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Annuities as an Alternative to Shaky Markets? Not So Fast
Replies: 3
Views: 383

Re: Annuities as an Alternative to Shaky Markets? Not So Fast

Doesn't the answer whether to annuitize into SPIAs or not depend on one's age, size of portfolio, amount of debt (or lack of debt), and the admonition to annuitize only a portion of one's assets? With all those caveats, I think one can safely use SPIAs. It's not an all or none issue. The ideal candi...
by Munir
Fri Jan 29, 2016 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2608

Re: Immediate Fixed Annuities

I have purchased three annuities thru Vanguard. Their payout was always the highest compared to other brokers but it doesn't hurt to shop.
by Munir
Wed Jan 20, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7029

Re: Capitulation!

livesoft wrote:Maybe not quite capitulation, but certainly another bona fide RBD for some things. :)


Such as?
by Munir
Tue Jan 19, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard short term bond index
Replies: 21
Views: 1747

Re: vanguard short term bond index

Being a stick-in-the-mud stay-the-courser I've just stayed in Vanguard Total Bond, following the blue line on this chart. Someone else who opted to switch to Vanguard Short-Term Intermediate Bond Index would have followed the orange line. If we each started with $10,000, I'd have $12,538 today. and...
by Munir
Sat Jan 16, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)
Replies: 12
Views: 530

Re: VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)

If they are so similar, why did Vanguard create the Government Bond Index fund (VSIGX)? Maybe their returns are similar but Vanguard considers their holdings are different enough to warrant two funds?
by Munir
Sat Jan 16, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Follow these 4 Investing Rules
Replies: 14
Views: 3739

Re: Jack Bogle: Follow these 4 Investing Rules

AllenSmith wrote:Jack predicts 5% total return for next 10 years for SP500 broad index.


Did you mean 5% annual total return ......
by Munir
Fri Jan 15, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)
Replies: 12
Views: 530

VFIUX (Intermediate Treasury) vs. VSIGX (Intermediate Government Bond Index)

What are the differences between VFIUX (Intermediate Treasury Bond Fund) vs VSIGX (Intermediate Government Bond Index)? They are very similar in risk, duration, yield, performance, and expense ratios except that M* says the credit quality of VFIUX is AA while VSIGX is AAA. What would make one prefer...
by Munir
Tue Jan 12, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Jane B. Quinn- New retirement guide- SS suspension
Replies: 10
Views: 2000

Re: Jane B. Quinn- New retirement guide- SS suspension

cherijoh wrote:You may be interested in this book that discusses SS claiming strategies in detail. There is also this thread talking about recent changes in the rules started by the book's author.


The author is Mike Piper, who posts on this forum. Very knowledgeable person.
by Munir
Sun Jan 03, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 253
Views: 33503

Re: The Bogleheads' Silent Majority

Interesting numbers. There is a big jump between users with 1000 and 5000 posts. How many users with 2000, 3000, and 4000 posts?
by Munir
Sat Jan 02, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy Corporate Bonds?
Replies: 34
Views: 2242

Re: Why buy Corporate Bonds?

The mantra of taking one's risk in equities and not in investment grade corporate bonds may apply to some individuals but it does not make sense to me. First, equity risk is much more severe and losses more pronounced than the risk of owning investment grade corporate bonds. Second, the holding of b...
by Munir
Sat Jan 02, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why did TBM lag behind other bond funds this year?
Replies: 19
Views: 2000

Re: Why did TBM lag behind other bond funds this year?

Hi, first time poster. Thanks for your patience with me. I have been looking over the 1 year performance for the Vanguard bond funds and noticed that Total Bond Market lagged behind all of the other intermediate and short term funds (besides TIPS). Can anyone explain why? It seems like the return f...
by Munir
Sat Jan 02, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy Corporate Bonds?
Replies: 34
Views: 2242

Re: Why buy Corporate Bonds?

Income. High quality corporate bonds offer higher levels of current income. If someone was holding bonds because they expect to sell them in crisis to "rebalance" into stocks, corporate bonds may have liquidity problems or be a bit too correlated with stocks for someone that was trying to...
by Munir
Thu Dec 31, 2015 6:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6359

Re: Where is YDNAL?

abuss368 wrote:No matter new else remembers this poster?


If you mean "who" else remembers this poster, I do. I also remember chaz. Both are prodigal sons :happy who hopefully may return some day.
by Munir
Fri Dec 25, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "We Need to Fix the Bond Index"
Replies: 46
Views: 3875

Re: Bogle: "We Need to Fix the Bond Index"

Bogleheads, Total Bond Market has allowed us to sleep well at night. Best. Actually, I would not sleep well at night having TBM as my exclusive bond fund. It would keep me awake. I would prefer to give it an infusion of the Intermediate Investment Grade to increase the corporate holdings in my port...
by Munir
Fri Dec 25, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "We Need to Fix the Bond Index"
Replies: 46
Views: 3875

Re: Bogle: "We Need to Fix the Bond Index"

Bogleheads, Total Bond Market has allowed us to sleep well at night. Best. Actually, I would not sleep well at night having TBM as my exclusive bond fund. It would keep me awake. I would prefer to give it an infusion of the Intermediate Investment Grade to increase the corporate holdings in my port...
by Munir
Fri Dec 25, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Bogle's bond portfolio advice?
Replies: 40
Views: 3938

Re: Thoughts on Bogle's bond portfolio advice?

Yes but also, isn't Jack increasing risk with his recommendations? People shouldn't just blindly follow. They need to realize that he is suggesting more risky options. Indeed. As already pointed out previously, he is increasing risk by increasing his exposure to corporate bonds. Only you can decide...
by Munir
Thu Dec 24, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Bogle's bond portfolio advice?
Replies: 40
Views: 3938

Re: Thoughts on Bogle's bond portfolio advice?

Does the longer duration (6.5 years) of the Intermediate Bond Index fund cause any concern when the Total Bond Index's duration is 5.8 and the Intermediate Investment Grade 5.5? Can some combination of Total Bond Index and Intermediate Investment Grade produce close to a 50:50 allocation between cor...
by Munir
Thu Dec 24, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Bogle's bond portfolio advice?
Replies: 40
Views: 3938

Re: Thoughts on Bogle's bond portfolio advice?

Or, to keep investing simple, one could invest in Vanguard's Intermediate-Term Bond Index Fund, which is approximately a 50/50 split between Treasuries and Corporates. I would think this an even better idea. I haven't seen this fund before. This looks perfect! Not as risky as the investment grade f...
by Munir
Tue Dec 22, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 46
Views: 4243

Re: Vanguard to Launch Active "Core" Total Bond Fund

No front load, I hope. Good to see Vanguard expanding their funds portfolio. Now, is there a .25% front load (aka purchase fee) on this one? Thanks. According to the SEC filing, there doesn't appear to be any purchase fees. No front load (aka purchase fee). Thank you, On a related issue, does anyon...
by Munir
Fri Dec 18, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at two Intermediate Term Bond funds
Replies: 16
Views: 1382

Re: Looking at two Intermediate Term Bond funds

If this was going to be the only fixed income allocation in my portfolio, I would go with with VBILX. I don't think VICSX is suitable as the only fixed income in a portfolio, although I do use VICSX in combination with Treasuries and CDs. The only possible drawback to VBILX is its longer duration. ...
by Munir
Thu Dec 17, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at two Intermediate Term Bond funds
Replies: 16
Views: 1382

Re: Looking at two Intermediate Term Bond funds

Isn't the corporate fund (VFICX) the one with the 0.25% purchase fee? Correction: that should be VICSX (which is the corporate fund) that has the 0.25% purchase fee. Thank you DSInvestor. Look up the performance of all of them in down markets and when rates are rising. Such information is somewhat h...
by Munir
Sun Dec 06, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 277031

Re: What Movie Have You Recently Watched?

"The Painted Veil"- a touching love story that includes charitable medical work in China long ago. Excellent acting by all the actors including Naomi Watts and Edward Norton. Won the Golden Globe for best screenplay.
by Munir
Mon Nov 30, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: VBILX vs VBTLX for 3 fund portfolio
Replies: 21
Views: 3224

Re: VBILX vs VBTLX for 3 fund portfolio

You're leaving the most important thing out -- Your stock/bond allocation In a stock dominated portfolio you would prefer more treasuries. In a bond dominated portfolio you would prefer a healthier portion of corporates. My apologies for reviving an old thread, but I found this post interesting. My...
by Munir
Fri Nov 13, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6855

Re: Total Bond Market - are you experiences losses currently?

Looking at nisiprius's 2003-2015 graph, I still prefer the longer term (many years) result and won't worry about the blips. One shouldn't panic with those blips but "stay the course" :happy ! (the Sharpe ratio numbers not withstanding).
by Munir
Fri Nov 13, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6855

Re: Bonds are for safety

I meant that Total Bond Market has the poorest performance among Vanguard intermediate bond funds in its total return. Of course they all have ups and downs but on a consistent annual, three and five year basis it lags. Can you provide specific examples and numbers? I can see that its 5 year return...
by Munir
Fri Nov 13, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6855

Re: Bonds are for safety

Total Bond Market fund is often the poorest performer among the Vanguard intermediate bond funds. I wonder why. Munir: It depends on what you mean by poorest performer : Risk or return? We must never forget that bonds are for safety . In 2008, when stocks plunged -50%, Total Bond Market gained +5%....
by Munir
Fri Nov 13, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6855

Re: Total Bond Market - are you experiences losses currently?

Total Bond Market fund is often the poorest performer among the Vanguard intermediate bond funds. I wonder why.
by Munir
Wed Nov 11, 2015 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income thoughts for 40/60 Portfolio
Replies: 19
Views: 1771

Re: Fixed Income thoughts for 40/60 Portfolio

The Life Strategy Conservative Growth is a good fund for a 40:60 asset allocation if you want a single fund investment. If you want to separate equities and fixed income, the Total Stock Market Fund (with or without Total International Stock fund) could be your equity portion, while using a 50:50 bo...
by Munir
Sat Nov 07, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Drop In Bond Fund (VSCGX/VTENX) NAV With Possible Interest Rate Raise
Replies: 19
Views: 1231

Re: Drop In Bond Fund NAV With Possible Interest Rate Raise

Between VTENX and VSCGX over the next 5-8 years, the bond funds in them will perform about the same and the equity funds in them will perform about the same. So whichever one holds more equities will perform better over the next 5-8 years. That means VSCGX will perform better over the next 5-8 year...
by Munir
Sat Nov 07, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Drop In Bond Fund (VSCGX/VTENX) NAV With Possible Interest Rate Raise
Replies: 19
Views: 1231

Re: Drop In Bond Fund NAV With Possible Interest Rate Raise

I appreciate all the responses in this older conversation. For a novice like me, I am still trying to decide between two funds and how they will respond to what looks like a probable raise in rates by the Feds in their December meeting. I am specifically looking at VTENX, the Target Retirement 2010 ...
by Munir
Fri Oct 23, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Drop In Bond Fund (VSCGX/VTENX) NAV With Possible Interest Rate Raise
Replies: 19
Views: 1231

Drop In Bond Fund (VSCGX/VTENX) NAV With Possible Interest Rate Raise

Can one predict which Vanguard intermediate bond funds will have the least drop in their NAV on a short-term basis IF/WHEN interest rates are raised? Is duration the only guideline for such a prediction? How about % of corporate vs. government holdings?
by Munir
Fri Oct 23, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Prescription 2016 plan rate increases
Replies: 22
Views: 2528

Re: Medicare Part D Prescription 2016 plan rate increases

For 2016 I discovered Aetna Medicare Saver (21.10 premium) to be cheaper for me then Humana Walmart (18.10 premium) if I use a Kroger pharmacy for my two generic meds. I also get a gas and convenience savings as Kroger is a lot closer to me than Walmart. By using the Humana mail order pharmacy and ...
by Munir
Tue Oct 20, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]
Replies: 12
Views: 1122

Re: Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]

Thank you for all the responses. Interestingly,Vanguard assigns a low risk rating of 2 to all these intermediate bond funds regardless whether or not they are purely governmental or a mix of corporate/government and regardless of the differences in their duration. BTW, the Intermediate Treasury and ...
by Munir
Mon Oct 19, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Prescription 2016 plan rate increases
Replies: 22
Views: 2528

Re: Medicare Part D Prescription 2016 plan rate increases

My Cigna did the same thing and for the past years I had all five drugs on tier 1, now for some reason they have all moved to tier 2, some are over 40 years old and all generic. So far what comes up as best options are First Health (no deductible) and then Walmart Humana (which cost a less, but has...
by Munir
Sun Oct 18, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]
Replies: 12
Views: 1122

Re: Why Does M* List VSIGX As "High Risk"?

Here is some information on the Morningstar Risk rating. http://quicktake.morningstar.com/datadefs/fundratingsandrisk.html Morningstar Risk Thank you, Electron. "An assessment of the variations in a fund's monthly returns in comparison to similar funds, with an emphasis on downward variation. ...
by Munir
Sun Oct 18, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]
Replies: 12
Views: 1122

Re: Why Does M* List VSIGX As "High Risk"?

Just a quick look at Morningstar's What is the Star Rating? - This concept is the basis for how Morningstar adjusts for risk. A "risk penalty" is subtracted from each fund's total return, based on the variation in its month-to-month return during the rating period, with an emphasis on dow...
by Munir
Sun Oct 18, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]
Replies: 12
Views: 1122

Why Does M* List VSIGX As "High Risk"? [Vg Intermediate Term Bond]

VSIGX is the Vanguard Intermediate Government Bond Index fund. Morningstar lists it as a "high risk" fund even though its Standard Deviation is 3.3 and duration 5.3 years. It's holdings are US Government holdings, and credit quality AAA. Other intermediate bond funds are listed as having a...
by Munir
Sat Oct 17, 2015 3:30 am
Forum: Personal Consumer Issues
Topic: Doctors without borders ..........
Replies: 43
Views: 4274

Re: Doctors without borders ..........

Yes. Worthwhile organization.
by Munir
Fri Oct 16, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 7275

Re: Floss aversion

Dental tape. It does not break. Saves money :D . True, it does not break, but personally it's way too wide for the gaps in my teeth. That is the trouble I have with most flosses. Oral-B Essential does the trick for me. It is the only floss I have found that I can use without difficulty. Sorry for t...
by Munir
Sat Oct 10, 2015 1:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Webinars
Replies: 8
Views: 1223

Re: Vanguard Webinars

jamesbogle wrote:Anyone watch the Vanguard webinars? Wonder if they have any useful content?


Yes, they do have useful content.
by Munir
Fri Sep 25, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Prescription 2016 plan rate increases
Replies: 22
Views: 2528

Re: Medicare Pard D Prescription 2016 rate increases

For those whose medications were all generic in 2015, the least expensive plan has been Humana Walmart (you don't have to use Walmart pharmacy). No copay and no deductible with a monthly premium around $15. I don't know what their new rates will be.
by Munir
Thu Sep 24, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7848

Re: What is the point of a Flagship Representative?

I hope the Vanguard folks read this. I think they would be rather surprised by the frank comments. Maybe not. Yes, I hope the Vanguard folks would read this and realize that many of us appreciate our Flagship reps and would like to keep the system as it is. Personally. I have had two reps over many...
by Munir
Wed Sep 23, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 7666

Re: Considering moving to Oregon

Footure wrote:Just fair warning: Oregon is currently being overrun by people who can't afford to live in California.


Can you refer to some facts, numbers, or a reference? As an Oregon resident, that is not my impression.
by Munir
Wed Sep 23, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Picking a Medicare Part D Prescription Plan
Replies: 34
Views: 2314

Re: Suggestions for Picking a Medicare Part D Prescription Plan

Shadow-Dancer: I am surprised that the generic form was ineffective. Did your doctor confirm your impression of its ineffectiveness? Did you try another generic? It might be easier to double-check your conclusions first before trying the other options of correcting your situation. Munir (retired M.D.)
by Munir
Wed Sep 23, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 7666

Re: Considering moving to Oregon

TravelGeek wrote:
Munir wrote:Is anyone seriously considering whether or not to live in a state based on having to pump your own gas ?!


We moved to Oregon this year from a self-pump state this year and it obviously didn't even appear on the list of considerations for the relocation. :beer


:beer :beer
by Munir
Wed Sep 23, 2015 3:33 am
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 7666

Re: Considering moving to Oregon

Is anyone seriously considering whether or not to live in a state based on having to pump your own gas ?!

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