Search found 27 matches

by RoboFan
Sat Oct 28, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Separate IRA for taxed contribution
Replies: 1
Views: 161

Separate IRA for taxed contribution

Question: Can you open separate IRA accounts based on whether the contribution was pre-tax or taxed? I have a rollover IRA from a previous 401k, and a 401k from my curent employer to which I contribute the maximum amount. My understanding is that I can contribute an additional $6500 (I’m older than ...
by RoboFan
Sun Jun 18, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 12
Views: 2220

Re: To Use Vanguard PAS Or Not

I am age 72 and retired. The only income my wife and I have is Social Security. I have $295,000 in 21 Vanguard funds that were set up for me by a friend of mine who is a certified financial planner. I want to simplify the portfolio with three or four balanced funds at Vanguard. What do you think? H...
by RoboFan
Wed Jun 14, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?
Replies: 12
Views: 1462

Re: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?

My bad. When I talked to Vanguard on the phone they were specific: you get it if you enrole in PAS or have 1 million. I think the latter, 1 million, elevates you to Flagship status. Still - it's interesting how Vanguard tries to hide this policy. I think I read somewhere that the service was availab...
by RoboFan
Tue Jun 13, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?
Replies: 12
Views: 1462

Re: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?

One poster asks if it is possible to use Vanguard's portfolio watch to track TIAA holdings; another replies that it used to be possible; another replied that the ability to link PW to outside accounts is now closed My understanding is the service is only offered to customers with more than 1 millio...
by RoboFan
Mon Jun 12, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?
Replies: 12
Views: 1462

Re: Tracking TIAA-CREF accounts with Vanguard Portfolio Watch?

One poster asks if it is possible to use Vanguard's portfolio watch to track TIAA holdings; another replies that it used to be possible; another replied that the ability to link PW to outside accounts is now closed My understanding is the service is only offered to customers with more than 1 million...
by RoboFan
Tue May 23, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 1151

Re: Classifying "Other" investments in Vanguard Portfolio Watch

No, none of the problems have been solved and I believe they never will be. A workaround is to sell all one's investments classified as "Other" in the system that you wish to use. This is s bit pessimistic...but I understand the feeling. Vanguard is normally very adept at addressing valid customer ...
by RoboFan
Tue May 23, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 1151

Re: Classifying "Other" investments in Vanguard Portfolio Watch

livesoft wrote:No, none of the problems have been solved and I believe they never will be.

A workaround is to sell all one's investments classified as "Other" in the system that you wish to use.
by RoboFan
Sun May 21, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 1151

Re: Classifying "Other" investments in Vanguard Portfolio Watch

Was this problem ever resolved; i.e., does Portfolio Watch correctly report AA based on information provided by the aggregation feature? Some itemized points: 1. Aggregation - or for that matter use of a spreadsheet - requires "source data". Thus, the problem of getting an "other" classification can...
by RoboFan
Tue May 16, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Who owns your data - revisiting the API
Replies: 2
Views: 656

Re: Who owns your data - revisiting the API

That Yodlee is relies on APIs explains how they can access an individual's account data with the user's ID and password, but not the user's two-factor authentication code. Not sure what, if any, regulations have been put in place regarding sharing of user data via APIs. It makes sense that once a us...
by RoboFan
Mon May 15, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Who owns your data - revisiting the API
Replies: 2
Views: 656

Who owns your data - revisiting the API

There have been numerous threads on this site which have "danced around" security issues related to giving out your user name and password to programs that offer to aggregate your financial information. There are many examples of these programs - Mint, Personal Capital, SigFig, Finacial Engines have...
by RoboFan
Mon May 15, 2017 6:37 am
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 7155

Re: Anyone use Python to analyze their finances?

Vanguard, along with most banks, do not provide any sort of API. Personal Capital and the like don't use an API. They screenscrape. Or go to a known URL to download a CSV or OFX. I haven't checked but they probably use Yodlee and outsource the screenscraping to them, it seems like everyone does. Sc...
by RoboFan
Sun May 14, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 7155

Re: Anyone use Python to analyze their finances?

Lots of great answers to my question about why people are writing code (with example code!). I think the last poster captured the answers nicely - individuals want to do things well outside what the average investor want to do. What I did not pick up was whether anyone is using API's per se. There i...
by RoboFan
Sat May 13, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisors vs Vanguard
Replies: 36
Views: 7794

Re: Robo-advisors vs Vanguard

I still don't see how these Robo-Advisors are more than a gimmick to give you the same returns as, say, a Vanguard Target fund or Balanced Index Fund (or a simple do-it-yourself version with low cost index funds or similar ETFs). Except the Robo guys take a little off the top for themselves. I don'...
by RoboFan
Fri May 12, 2017 7:34 am
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 7155

Re: Anyone use Python to analyze their finances?

Would some of the individuals writing high-level code be willing to share their motivation for doing this and comment any obstacles they may have come across? Specific questions are: 1. What do see as the main deficiencies in the free portfolio analysis tools offered by analysis provided by Personal...
by RoboFan
Wed May 10, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

Thanks - that fact alone could explain the differences in market cap estimates. I have over 38% of my equity holdings in foreign mutual funds (Vanguard recommends 30 to 50%). Aside - the foreign allocation has not helped my portfolio much over the last 10 years but I'm sticking with the guidance and...
by RoboFan
Tue May 09, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

Now that I have all my holdings in I'm getting larger differences in market cap - Morningstar has me at 66, 27, 4 and Vanguard at has the totals as 58, 33, 9 (large, intermediate, small). I don't see this as a big deal. I think Vanguard flags a "caution" if any of the three values differed from the ...
by RoboFan
Tue May 09, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

I'm still struggling with this one. What I'm getting from this thread so far is that: 1. An analysis tool should, on principle, be correct 2. Vanguard's Portfolio Analysis is making inappropriate assumptions - treating all the stocks or bonds within a mutual fund the same (e.g. Considering VBTLX as ...
by RoboFan
Mon May 08, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

Could not agree more. Thanks for the comment.
by RoboFan
Sun May 07, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

I do not really get all the negative comments about Vanguards Portfolio Analysis tool being inaccurate that are frequently posted. When I manually enter my holdings into Morningstar's Instant X-ray I get virtually the same answer for stocks v bond allocation, international v domestic allocation, and...
by RoboFan
Sat May 06, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

PJW. Thanks for the quick explaination and links. My questions were more of a theoretical nature as I made a decision to follow the guidance provided in the Vanguard Portfolio Analysis tool some some time back. In keeping with this decision, my distribution of small medium and large cap funds with a...
by RoboFan
Sat May 06, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

I did a bit more digging into VBTLX. In the written description, Vanguard describes the fund as holding all types of maturities, but in the 9-box style depiction they show average as intermediate. Curious to know how a fund comprised of all intermediate bonds compares with a fund with short, interme...
by RoboFan
Sat May 06, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Watch Concerns
Replies: 22
Views: 2370

Re: Portfolio Watch Concerns

I use the iPad "Portfolio Analysis" tool, which gives the same analysis for stocks and bonds (including interest rate sensitivity). I have multiple portfolios related to prior employer 401k plans but the majority of the finds I hold are Vanguard funds. I also have a brokerage account limited to Vang...
by RoboFan
Fri May 05, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 34
Views: 3388

Re: Is robo for me?

Interesting thread covering lots of topics related to Robo investing versus do it yourself. I'll be interested to hear what multiham has to say about Schwab's "Inteligent Advisory Program". That said, I'm not sure I have the same understanding of Robo as everyone else on the thread. For me, Robo mea...
by RoboFan
Wed May 03, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Account Aggregation tools?
Replies: 24
Views: 2979

Re: Account Aggregation tools?

I'm still using the Portfolio Analysis tool - but it's a lot of work to update all my accounts manually. I do not see Vanguard bringing this back as they would be competing directly with their Personal Advisory Service (PAS) which, while not expensive compared with similar services provided by Bette...
by RoboFan
Sat Apr 29, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisors vs Vanguard
Replies: 36
Views: 7794

Re: Robo-advisors vs Vanguard

Jumping in a bit late on this thread but i would argue that "Robo" advise and analysis is getting better and better. That said, I do not see why anyone would pay for the advice - certainly not a percent. To begin, I think The NY Times wrote a great article early last year that would be worthwhile re...
by RoboFan
Fri Apr 28, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Account Aggregation tools?
Replies: 24
Views: 2979

Re: Account Aggregation tools?

I am seeing a number of options here - enter the values manually, switch to Fidelity Full View, buy Quicken. The problem is I like Vanguard's Portfolio analysis tool and I reconfigured my portfolio align with the recommendations years ago. My understanding is that pretty much all the RoboAdvisors gi...
by RoboFan
Thu Apr 27, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Account Aggregation tools?
Replies: 24
Views: 2979

Re: Account Aggregation tools? [How to get access to Vanguard's]

Putting aside questions related to security, which are valid, I would like to hear from someone who currently has access to Vanguard's account aggragation. Their website indicates the service is closed to "new enrollment" but offered to "select shareholders". I have been with Vanguard for more than ...