Search found 191 matches

by PB
Thu Mar 31, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8779

Re: leaving vanguard due to math errors / poor customer service?

To be fair, you're right. It's not compulsory right now. But my understanding is that all new accounts are required to be in the brokerage accounts, so it's likely just a matter of time.
by PB
Thu Mar 31, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8779

Re: leaving vanguard due to math errors / poor customer service?

niven wrote:... The brokerage changes being better or worse are a matter of opinion.


Agreed. Better for average day traders. Worse for average investors. What does that say about Vanguard's priorities?
by PB
Thu Mar 31, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8779

Re: leaving vanguard due to math errors / poor customer service?

1. I'm an unhappy customer, too. 2. I've written in the past about systems problems large and small. The problems are real, persistent and IMHO, inexcusable. 3. Even worse is Vanguard's CS response. It is slow and, often it seems, arrogant. 4. As for keeping it simple? Why are they forcing people to...
by PB
Tue Jan 05, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

I don't mean to stray off topic, but according to Vanguard's website, by the end of 2014 they had about $3 trillion under management ($3,000,000,000,000). I am terrible with large numbers, so is it right to say that 0.001 percent of $3 trillion is $30 million? If correct, this means that if Vanguard...
by PB
Tue Jan 05, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

I'll remind new members that this is not a Vanguard-specific forum. You can invest according to Vanguard's founding principles without a Vanguard account as long as you're informed and don't fall for sales pitches . Thanks for the reminder, sawhorse. I couldn't agree more as long as you're informed...
by PB
Tue Jan 05, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Let me say this again to people considering a new Vanguard account: Do not let these customer service issues deter you from opening an account. The CS issues can be frustrating, but they do not outweigh the value of Vanguard's investing principles and processes. I sincerely believe that over your in...
by PB
Tue Jan 05, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Clearwater: Your point is well-taken that investors should be wary, regardless of their brokerage or mutual fund company (Vanguard included). Investors must educate themselves before investing or they will get taken. It's that simple. The financial regulations allow it, and Wall Street's only missio...
by PB
Tue Jan 05, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Agreed, dbr. The trick is to never enter into a "free" advisory relationship. Nothing is free. 1. Vanguard is upfront about their (low) advisory fee. All good advisors are upfront about how they make their money -- they don't hide it in the fine print. 2. Vanguard does not send you to an i...
by PB
Tue Jan 05, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Clearwater: The problem with firms like Fidelity is that they have an incentive to suck investors -- including newbie investors -- into so-called "free" advisory services. But the services are not free, and they appear to be ridden with conflicts. Here is a link to Fidelity's Wealth Adviso...
by PB
Tue Jan 05, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Investing Newbie: My complaints started this most recent discussion, and regardless, I encourage you to open a Vanguard account. I'm in my late 50's, and have a lot of experience with different brokerages and mutual fund companies. Bottom line: you won't find a better selection of well-run, low-cost...
by PB
Mon Jan 04, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

UPDATE: it's now been 75 minutes, but the 3rd rep is helping me.

The people are solid, but the process is broken.
by PB
Mon Jan 04, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 87
Views: 7004

Re: Vanguard Customer Service

Unfortunately, I need to add my disappointment with Vanguard's Customer Service. For years I've been a relatively vocal critic of Vanguard's technical services -- they are second rate, and the recent account "upgrade" is just the latest example. But their customer service has been OK. At l...
by PB
Sat Mar 08, 2014 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Risk Tolerance vs Asset Allocation
Replies: 8
Views: 597

Re: Risk Tolerance vs Asset Allocation

With the important caveat that historical performance is no guarantee of future performance, I have found the allocation models to be a useful starting place as well: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations If you have real-world experience withstanding...
by PB
Wed Jan 29, 2014 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me talk my friend into an index portfolio
Replies: 17
Views: 1938

Re: Help me talk my friend into an index portfolio

Maybe focus on 3 things, using LifeStrategy Moderate Growth Fund (LS) as a comparison. I chose this because it's matches your basic 60/40 allocation, including Intl, and would automatically rebalance for him, as I presume Kroeker does. There are links to data below, and: First, the X-ray's show bett...
by PB
Sun Jan 26, 2014 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Which of these 2 portfolios would you choose?
Replies: 24
Views: 1453

Re: Which of these 2 portfolios would you choose?

IMHO, the most important thing is this: do you want to manage the 8-fund Portfolio B? And are you able to manage it without the potential behavioral mistakes that come along with it? I ask because if you keep your AA 65/35, the volatility of the two portfolios will likely be roughly similar. But the...
by PB
Tue Aug 13, 2013 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended Reading
Replies: 8
Views: 516

Re: Recommended Reading

+1 for Elements of Investing. Haven't read the updated version, but an excellent, concise first read IMHO.
by PB
Fri Jun 21, 2013 9:05 pm
Forum: Investing - Theory, News & General
Topic: Discrepancies in Today's Vanguard Pricing
Replies: 2
Views: 424

Re: Discrepancies in Today's Vanguard Pricing

Pretty sure it has to do with quarterly distributions. For example, here's a link to the 500 index fund: https://personal.vanguard.com/us/funds/snapshot?FundId=0040&FundIntExt=INT#tab=4 And here's all the funds with quarterly distributions in June: https://personal.vanguard.com/us/insights/artic...
by PB
Tue May 28, 2013 7:50 pm
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1371

Re: A RBD ...for Bonds?

You're right livesoft, my apologies:

Total Bond: -.64%
Intermediate-Term Investment Grade: -.69%
Inflation Protected Securities: -.94%
Long-Term Investment Grade: -2.07%
by PB
Tue May 28, 2013 6:35 pm
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1371

A RBD ...for Bonds?

After months of speculation & discussion, today's returns:

Total Bond: -.64%
Intermediate-Term Investment Grade: -.69%
Inflation Protected Securities: -.94%
Long-Term Investment Grade: -2.07%

Ouch.

(Edit: decimal points corrected)
by PB
Fri May 17, 2013 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 4155

Re: What were the little things that led you to index invest

A typical (sad) story... I was with Wells Fargo Investments and my 'Advisor' recommended I purchase a basket-linked CD, a Wells Fargo one at that. Then he recommended a corporate bond, without telling me it was secondary market and there was a $450 purchase fee. Eventually, he tried to sell me a var...
by PB
Sat Apr 27, 2013 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1170

Re: is vanguard's 5yr web data cliff justifiable?

Agreed... time will tell.

Thanks.
by PB
Sat Apr 27, 2013 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1170

Re: is vanguard's 5yr web data cliff justifiable?

Sam I Am, You're perspective is legitimate, of course. The problem is that the website is symptomatic of a larger arrogance that I see too often with Vanguard -- that any problem or shortcoming is written off as "service to low fees." That's a risky proposition, no matter how big Vanguard ...
by PB
Sat Apr 27, 2013 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1170

Re: is vanguard's 5yr web data cliff justifiable?

Interesting link, Momar, because for Employer-based plans, Vanguard doesn't even keep 5 years online -- they only keep two. See screenshot below... the moment I enter 4/25/11 (as opposed to 4/26/11), it states in red: "You may view only up to 24 months online..." http://dezigns.com/VGHisto...
by PB
Sat Apr 27, 2013 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: is vanguard's 5yr web data cliff justifiable?
Replies: 20
Views: 1170

Re: is vanguard's 5yr web data cliff justifiable?

Is vanguard's 5yr web data cliff justifiable? No. Vanguard is an outstanding company in many ways, but their online system falls short, and this issue is just one of its many shortcomings. I've written on the subject before, and will just have to smile at how many people will defend them on this is...
by PB
Wed Apr 10, 2013 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Update re Problems adding Grantee Online [with Vanguard]

I agree, LadyGeek - it's to VG's credit that they're providing feedback, and I will indeed allow them time to troubleshoot. With that said, however, providing feedback re a process , as opposed to a solution, has limited utility to say the least. In addition, I am honestly worried... I've had proble...
by PB
Wed Apr 10, 2013 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Update re Problems adding Grantee Online [with Vanguard]

Today's update, from the same Supervisor: "This issue is not affecting all Vanguard clients, only some; however, we don't know what's triggering it to affect those clients. At this point, our technical specialists are researching the issue to obtain more information about why it's happening, an...
by PB
Tue Apr 09, 2013 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Update re Problems adding a Grantee Online [with Vanguar

Update: I received an email response from the supervisor of Vanguard's Executive Action Response Team. He not only confirmed the technical issue, but alas, stated that he "researched my situation completely, and tried to find other ways to accomplish (adding) an agent to my brother's account, a...
by PB
Sat Apr 06, 2013 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, jaxxmjd - provides a little hope that it will be fixed sooner than later. Will keep everyone posted.
by PB
Sat Apr 06, 2013 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, DSKMD. I'm sorry to hear you're having the same problems, but it's validating, too. Appreciate it.
by PB
Fri Apr 05, 2013 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thanks, LadyGeek - it's good to hear that people can modify an existing authorization, at least. Now if they will just fix the system to work for new authorizations. As you can tell, I'm still pretty upset with Vanguard's incompetence and arrogance. Yes, arrogance. System problems are one thing, but...
by PB
Fri Apr 05, 2013 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Hi LadyGeek, The Agent Authorization Form is indeed the same thing as the Grantee authorization... if you click the link you provided, there's immediately an option to "Complete Online," and if you click that, it takes you to the online function that isn't working! (The Grantee function.) ...
by PB
Fri Apr 05, 2013 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Re: Anyone Successful Adding a Grantee Online? [with Vanguar

Thank you for your responses. My brother sent me screenshots to illustrate. You can see via the first link below, that a Grantee is "someone authorized to obtain information about or transact on your accounts." I would guess this is most often a spouse, domestic partner or perhaps a very t...
by PB
Thu Apr 04, 2013 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Update re Problems adding Grantee Online [with Vanguard]
Replies: 19
Views: 1998

Update re Problems adding Grantee Online [with Vanguard]

I've been a Boglehead fan for years, and a Vanguard client for years as well. I believe in their philosophy, value their corporate structure and value their low fees too, of course. But I've had more problems than I can count with their online system, and with their customer service too. The most re...
by PB
Sun Dec 09, 2012 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed VS Index Funds
Replies: 14
Views: 2371

Re: Tax Managed VS Index Funds

My guess (and it's truly a guess), is that the number of people investing in tax-advantaged accounts -- ie, 401k's, IRAs, SEPs etc -- dwarfs the number of people who have additional income to invest in taxable accounts, too. So while TSM is indeed tax efficient compared to a lot of equity funds, if ...
by PB
Mon Nov 26, 2012 8:36 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

As the OP, I just want to say thanks for the substantive discussion. I have nothing to add, though lots to learn, and it's helpful and appreciated.
by PB
Sun Nov 25, 2012 10:46 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

Thanks, Archie. Except for the muni's, they're all tax-advantaged.

Right now I'm leaning towards staying with the shorter-term bond funds. But appreciate your vote for the CD's as I learn my way through... it's helpful to hear the different points of view.
by PB
Sun Nov 25, 2012 8:05 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

Hey Nedsaid, thank you. I appreciate your encouragement and advice. Like you, I'm doing it myself too, since the crash, like a lot of people. I've read all the recommended books, lurk in the forum, etc, and it remains that some days I just don't know, especially with TIPS. But I think Mr. Bogle hims...
by PB
Sun Nov 25, 2012 7:32 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

First, I understand that brokered CD's can fluctuate in NAV, but if you hold them to maturity, then your principle is protected. So I understand this key difference. Second, Nedsaid et al: I am currently on the lower duration side, so I understand this aspect too. Overall (for better or for worse - ...
by PB
Sun Nov 25, 2012 6:57 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

Thanks for the thoughtful reply, Nedsaid. I am indeed nearing retirement, in that I'm in my mid-50's, not mid-20's. And I am very conservative, so my allocation to fixed income is much higher than most. That's why I'm paying attention and trying to learn. I do think I'm getting it, at least for nomi...
by PB
Sun Nov 25, 2012 6:30 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Re: Bond funds: am I getting it?

Thanks, Livesoft - your point is well taken. Short-Term Investment Grade has the lowest total returns, but still roughly 4% YTD, 1 year, 5 year and 10 year. Very consistent, and certainly better than CD's right now. Thank you.
by PB
Sun Nov 25, 2012 6:01 pm
Forum: Investing - Theory, News & General
Topic: Bond funds: am I getting it?
Replies: 23
Views: 2040

Bond funds: am I getting it?

Hey everyone, I'm relatively new to the Forum, which BTW, is truly an amazing resource - thank you. I'm posting because even with recent threads on bond funds and TIPS, I'm not sure I'm getting it. So I appreciate a reality check. I'll try to be brief, and also hope not to nitpick the numbers (e.g.,...
by PB
Thu Oct 04, 2012 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Personal rate of return
Replies: 9
Views: 1120

Re: Personal rate of return

I have complained about Vanguard's web-based system often and loudly -- it's very poorly designed and buggy in many ways. However, I think their Performance Performance tab is spot-on. I track my performance in a separate Mac application, Investoscope, and Vanguard's results match it to the penny. I...
by PB
Wed Aug 08, 2012 9:21 pm
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6878

Re: Vanguard website new look

Sam I Am, thanks for taking the time to post... to confirm that I'm not the only one having problems with actual data -- that the issue here is not simply the look and feel of the site, it's the functionality. Of course, there are whole other threads on the Board with a large number of posters sayin...
by PB
Tue Aug 07, 2012 11:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6878

Re: Vanguard website new look

SSCritic, it's fine if you want to make jokes, but Vanguard puts the pie chart right in your face every time you log in. The pie chart that is wrong; on the page they don't allow users to customize.

The data is flat-out wrong; why do you persist in defending them?
by PB
Tue Aug 07, 2012 10:50 pm
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6878

Re: Vanguard website new look

I have spoken with Vanguard and get the impression that they really don't care. To start, no acknowledgment that there are any problems, which does not bode well. I will continue to say this, too: it does matter that the Portfolio Watch doesn't work. How can Vanguard pay tribute to the importance of...
by PB
Tue Aug 07, 2012 10:04 pm
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6878

Re: Vanguard website new look

The problem is that several functions don't work . Period. I don't care that the site looks bland; I don't care that it's poorly designed and that information is harder to find; I don't even care about the take-aways, like no 'YTD' option on the Performance page. I do care that the Portfolio Watch i...
by PB
Mon Aug 06, 2012 7:11 pm
Forum: Personal Consumer Issues
Topic: Vanguard website new look
Replies: 56
Views: 6878

Re: Vanguard website new look

To prove my point: Link to Pie Chart 1, taken as I log-in to my account. Note the 3 slices: http://dezigns.com/chart1.png Link to Pie Chart 2, taken seconds later after I refresh the page. Note only 2 slices: http://dezigns.com/chart2.png I actually have better things to do; they should fix it. And ...

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