Search found 5214 matches

by SpringMan
Fri May 19, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Int'l Investing as % of Total Equity Side
Replies: 7
Views: 772

Re: Int'l Investing as % of Total Equity Side

I think you are following Jack Bogle's recommendation. He prefaces his statement with "if you must have international" and 0% is less than 20%. I see no reason to change. Keep in mind VGSLX is tax inefficient and is best held in a tax advantaged account, ditto for VBILX.
by SpringMan
Fri May 19, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 2871

Re: REITs: Count as Stocks or Bonds?

One of the issues I have with Personal Capital is their classification of REITs as alternatives. They lump REITs along with commodities as alternatives. It messes up my stock / bond ratio. I don't invest in commodities or a REIT specific fund. Of course REITs are included in index funds.
by SpringMan
Fri May 19, 2017 5:30 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 55
Views: 5310

Re: Milestone and not peeking. . .

Congrats. For the record though I am not a fan of the no peeking guideline. If Vanguard or whomever screws up, well bad news does not get better with age so I want to know about it ASAP.
by SpringMan
Thu May 18, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: RMD start
Replies: 7
Views: 819

Re: RMD start

I don't think Vanguard will allow RMD setup until December of the year before. My spouse has to make a 2017 distribution and I (authorized) was not able to set it up until Dec 2016. My RMD starts in 2018 and plan on contacting Vanguard in December 2017. We will be taking the RMD all in December. Our...
by SpringMan
Sat May 13, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4895

Re: Vanguard's safest all-equity fund

VMNVX, Vanguard's Global Minimum Volatility fund gets my vote. Its about 60% US, 40% foreign with goal of minimum volatility.
by SpringMan
Wed May 10, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Account
Replies: 9
Views: 1173

Re: Vanguard Brokerage Account

My understanding is Vanguard is gradually switching all their clients to brokerage accounts. I have mine switched over a while back. One advantage is availability of Vanguard ETFs which are free to trade. Another is the availability of Non Vanguard funds, some free to trade some not. One glitch was ...
by SpringMan
Sun May 07, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1298

Re: sump pump issue

Just wanted to recommend to those with city water that a water driven backup pump may be a better solution than a battery backup. No battery to go dead.
by SpringMan
Mon May 01, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 4457

Re: Schwab Vs. Vanguard?

The Vanguard Institutional Total Stock Market (VITNX) has an expense ratio of 0.04% https://personal.vanguard.com/us/funds/snapshot?FundId=0870&FundIntExt=INT Your link also shows that VITNX has a $100,000,000 minimum. Perhaps some have access through a company specific 401k but few Bogleheads ...
by SpringMan
Mon May 01, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: does vanguard give a transfer bonus
Replies: 12
Views: 1685

Re: does vanguard give a transfer bonus

If you want a bonus and a waiver for account closing fees, try Fidelity. Vanguard does not do either of those to my knowledge. What is a "waiver for account closing fees"? Vanguard does not access account closing fees, no waiver needed. Vanguard won't reimburse closing fees another firm c...
by SpringMan
Sat Apr 29, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2070

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

I closed an e*trade account and at the time there was a $60 account closing fee. Fidelity reimbursed the fee but talk to them first to verify. Be careful not to create an unplanned taxable event. Stocks should transfer in-kind. Fidelity will undoubtedly offer some free trades but Fidelity has recent...
by SpringMan
Thu Apr 27, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 760

Re: VTI vs VTSAX (ETF vs Mutual Fund)

I would keep what you have. You can't convert an ETF to a mutual fund. You could convert VTSAX to VTI but that is not what you asked. To sell one and buy the other could trigger a taxable event. The expense ratio is the same for both.
by SpringMan
Tue Apr 25, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Do you have a Billiards Table?
Replies: 5
Views: 854

Re: Do you have a Billiards Table?

We had a 8 foot Gandy pool table in our basement for years when my kids where growing up. It got lots of use for several years. Eventually the kids moved out and got married. I gave the pool table and accessories to my oldest son and he set it up in his basement. He had girls and they were not inter...
by SpringMan
Fri Apr 21, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36626

Re: Larry Swedroe says "Goodby."

You will be missed, as is Rick Ferri.
by SpringMan
Sun Apr 16, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund for international bonds
Replies: 4
Views: 516

Re: Best fund for international bonds

For good active management on the bond side give PIMCO a look. Vanguard brokerage has PIMCO institutional funds available with 25K minimums. Vanguard has no multi-sector bond funds. I own PIMIX which is multi-sector and has an expense ratio of .45%. Flagship clients can use one of their free trades ...
by SpringMan
Fri Apr 14, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4397

Re: What do you do with your coins?

I use a gallon sized antique bottle embossed Wegener & Sons Detroit Michigan. It has a removable cork so I can pour out change or drop change into it. Neck of bottle easily accepts quarters, probably nothing bigger.
by SpringMan
Fri Mar 31, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Portfolio tool accurate?
Replies: 16
Views: 1539

Re: Is Vanguard Portfolio tool accurate?

One should also consider that Vanguard and Morningstar have different definitions of small, mid, and large caps.
by SpringMan
Thu Mar 30, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 187
Views: 25891

Re: John Bogle on international

Our international is 22% of equities and Vanguard flags this with a "consider 30% to 50% international" alert in their portfolio watch tool. I think the amount of international one holds falls into two of Taylor's quotes. 1. There are many roads to Dublin. 2. When experts disagree, it like...
by SpringMan
Wed Mar 29, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: opinions on VNQ? [Vanguard REIT Index]
Replies: 11
Views: 1029

Re: opinions on VNQ?

VNQ is inexpensive and is a good fund. I think shopping malls might be a drag on the REIT index. People don't go to malls like they used to. Rising interest rates may also be a head wind.
by SpringMan
Fri Mar 24, 2017 4:44 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1322

Re: Vanguard's website is down (for me anyway)

I see this is a duplicate post, user chipperd and others have the same problem..
by SpringMan
Fri Mar 24, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1322

Vanguard's website is down (for me anyway)

Strange behavior this morning on Vanguard. Logged in but can't display balances or even logoff. Reminds me of the Eagles song Hotel California. Hope this is not a sign of things to come. By the way, the time stamp on the main Bogleheads board is off by 1 hour, not on daylight saving time. When post ...
by SpringMan
Thu Mar 23, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Flagship access to closed funds?
Replies: 8
Views: 1047

Re: Flagship access to closed funds?

I tried out some scenarios on Vanguard's website. Dividend Growth is indeed closed to Flagship and comes up grayed out. PRIMECAPs are open to Flagship, but Cap Opp and PRIMECAP are limited to 25K per year. Looks like there is no max limit on PRIMECAP Core.
by SpringMan
Thu Mar 23, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Flagship access to closed funds?
Replies: 8
Views: 1047

Flagship access to closed funds?

I recall PRIMECAP managed Vanguard funds being available to Flagship clients though they are closed to others. PRIMECAP core fund has no admiral shares, Cap Op, and PRIMECAP do. My recollection is there is a max of 25K per year allowed on the ones with admiral shares. Tried Vanguard's website and al...
by SpringMan
Sun Mar 19, 2017 4:45 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4870

Re: Moving from Vanguard to Fidelity (probably)

Be sure to ask Fidelity about moving any taxable account positions in-kind to avoid a taxable event. Vanguard will allow conversion of equity index funds to their corresponding ETFs for free which is not a taxable event. Vanguard ETFs can definitely by transferred in-kind. At Fidelity buying or sell...
by SpringMan
Fri Mar 17, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3469

Re: VWELX [Vanguard Wellington]

"The Wellington fund is almost immediately dismissed on the board because it is not a true index fund, but I don't think its returns can be so easily dismissed" I agree with respect to returns part, though many Bogleheads give Vanguard's low cost actively managed funds a pass. I own Welles...
by SpringMan
Sat Mar 11, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 67
Views: 7348

Re: Why do reviewers love the Dell XPS 13 but users don't?

Personally I don't think reviewers do a just job on their reviews. Take Leo Laporte for example, he reviews technology on his TWIT TV podcasts and radio show. He buys almost every high end phone, laptop etc. There is not enough time in his day to adequately and objectively review the products he buy...
by SpringMan
Sat Mar 04, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 7702

Re: Do Boglehead DIY or Pay a Professional?

Glenn Haege, a radio talk host on home improvement, says that the best tool in your tool box is often your checkbook. I mostly agree but not when it comes to investing. You get what you don't pay for when it comes to investing. For some, those that would bail at the bottom of a bear market, an advis...
by SpringMan
Fri Mar 03, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Great Portfolio Analzer
Replies: 16
Views: 1884

Re: Great Portfolio Analzer

Yes, they will try to talk you into letting them manage your assets. They do take no for an answer and you don't lose the free analyzer. I have a Boglehead portfolio of Vanguard index funds and actively managed Wellesley and Intermediate Investment Grade bond fund. I don't hold any foreign bond fund...
by SpringMan
Thu Mar 02, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund or Wellesley for a "set it and forget it" newbie?
Replies: 19
Views: 1922

Re: Balanced index fund or Wellesley for a "set it and forget it" newbie?

A better fund for comparison to Balanced Index fund would be Wellington (65/35) rather than Wellesley (35/65). Wellington has a value tilt to their stock sleeve and Balanced Index has no tilt to theirs. Wellington's bond sleeve has more corporate bonds. There is the active vs passive consideration t...
by SpringMan
Fri Feb 03, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Computer for elder novice
Replies: 36
Views: 1379

Re: Computer for elder novice

Do realize that e-mail is one of the most productive means for fraudsters to get in touch with grandma. The local "scam squad" receives dozens of complaints from seniors who have suffered financial loss over the computer. The obvious scams and "phishing" that we as frequent user...
by SpringMan
Thu Feb 02, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Wellington (VWELX) at Fidelity
Replies: 5
Views: 1068

Re: Wellington (VWELX) at Fidelity

sport wrote:If the fund is closed to new investors, you cannot buy it at Vanguard or Fidelity. However, Vanguard does not show the fund as being closed.

It is not closed at Vanguard but it is closed to new investors elsewhere unless done in-kind when transferring in.
by SpringMan
Thu Feb 02, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Wellington (VWELX) at Fidelity
Replies: 5
Views: 1068

Re: Wellington (VWELX) at Fidelity

Also admiral shares (VWENX) are not available at Fidelity even if you otherwise qualify. Fidelity will allow in-kind transfer of investor shares (VWELX). I have heard that if you hold admiral shares, Vanguard can demote the shares to investor class for you so you can transfer. My recollection is Fid...
by SpringMan
Wed Feb 01, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: STAR Fund
Replies: 11
Views: 2230

Re: STAR Fund

You can save some costs, assuming you have enough $, by using admiral shares of the underlying funds of Star. Star fund uses investor shares even when admiral shares are available. Unlikely most indexers would want to complicate their holdings with so many active funds.
by SpringMan
Fri Jan 27, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETFs vs. Mutual Funds
Replies: 10
Views: 878

Re: Vanguard ETFs vs. Mutual Funds

Mutual funds can be setup with Vanguard for automatic investment options where you can automatically have $x dollars invested periodically. Vanguard can transfer dollars from your bank at your desired time interval. This can not be done with ETFs. ETFs must be purchased in whole integer amounts. Fra...
by SpringMan
Thu Jan 26, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: storm/screen door
Replies: 16
Views: 1274

Re: storm/screen door

Don't know costs but I recommend one where the storm window is stored in the door. It easily slides down and is stored in the lower part of the door when not in use. Don't recommend the doors with thumb screws that hold in the screen/storm.
by SpringMan
Thu Jan 26, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)
Replies: 12
Views: 1102

Re: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)

I would avoid both like the plague. Lots of old people who think dividends are magical free money have piled into high dividend funds in search for yield and bid up prices. Just look at the P/B's of those funds (over 4). They might keep going up for a while, but eventually they will crash hard. Of ...
by SpringMan
Fri Jan 20, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 5947

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Vanguard Brokerage 1099s are not yet available. They are promised by the end of February but could be sooner. Anyone that holds any ETFs at VBS needs to wait.
by SpringMan
Sat Jan 14, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 8113

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

For someone that will have more income when retired than before, a Roth makes more sense to me. There are no required minimum distributions at age 70.5 drawing on your Roth. If you have more income already than when working, you don't want the RMDs. Many states tax tIRAs too.
by SpringMan
Thu Jan 05, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1278

Re: What is your age, asset allocation and total return year to date?

Age 69.5 (both of us), 39% equities, 61% bonds, year to date is positive but small since there have been only two business days this year so far.
by SpringMan
Thu Jan 05, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wasting time with additional funds
Replies: 30
Views: 2377

Re: Am I wasting time with additional funds

You are likely not a senior citizen so simplicity is not as important as it is for an older person IMO. I am a fan of Paul Merriman's portfolios which hold many funds see http://paulmerriman.com/pauls-mutual-fund-recommendations/ I think older investors are wise to simplify. This not only prepares f...
by SpringMan
Wed Jan 04, 2017 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity/iShares version of VNQ ?
Replies: 13
Views: 1019

Re: Fidelity/iShares version of VNQ ?

Theoretical wrote:I'm really partial to the iShares Global REIT ETF REET. ER of .14%, Nearly $250M in AUM, and it includes all global non-mortgage REITs as a pure asset class. It's the TSM of the REIT world, from what I can tell.

Not really because TSM is 100% domestic stock and REET is has roughly 1/3 foreign stock.
by SpringMan
Mon Dec 26, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity equivalent of vanguard total international bond index?
Replies: 11
Views: 1041

Re: fidelity equivalent of vanguard total international bond index?

It would be best to buy the ETF, BNDX, Fidelity charges only $7.95 to trade Vanguard ETFs.
by SpringMan
Mon Dec 26, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: Pimco Income Fund vs. Vanguard Total Bond Market
Replies: 51
Views: 5007

Re: Pimco Income Fund vs. Vanguard Total Bond Market

One important point that I forgot to mention is that my financial advisor friend has access to PIMIX, which is an institutional class fund. It has no loads and a relatively low expense ratio. As an individual investor, I'm not sure if I qualify for this fund. Vanguard customers have access to PIMIX...
by SpringMan
Sun Dec 18, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of Vanguard's FundAccess
Replies: 2
Views: 412

Re: Getting out of Vanguard's FundAccess

A TR Price fund can not be exchanged into a Vanguard fund without selling one and buying the other. Settlement is T+1 for mutual funds, so I don't think you could do it all in one day. You may be able to do an exchange from TRP fund A to TRP fund B since they are in the same fund family, talk to Van...
by SpringMan
Wed Dec 14, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: 2 RMD Questions
Replies: 22
Views: 2343

Re: 2 RMD Questions

It does not matter whether you have actually reached 70.5 when you make the withdrawal. I think it does matter. It doesn't matter, the RMD can be satisfied any time in the year in which you turn 70.5. My wife just set up her first RMD with Vanguard. She will be 70.5 in December 2017 and she had the...
by SpringMan
Sat Dec 10, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Personal Advisor Services
Replies: 3
Views: 655

Re: Vanguard Personal Advisor Services

I don't use it but can see the value for someone not comfortable with doing it yourself. I suggested my wife use them if I pass on or become incapacitated. The cost of VPAS may be 1/3 the cost of the industry average but is still 4 times the cost of our mostly indexed DIY portfolio.
by SpringMan
Thu Dec 08, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5643

Re: Telephoning Vanguard

I am a Flagship client and experienced over a 10 minute phone wait earlier this week. I called my designated Flagship rep and he was busy on the phone so my call rolled to the general Flagship service pool. My voice was not recognized by their voice recognition software either, had to repeat 4 phras...
by SpringMan
Fri Dec 02, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 7211

Re: What percentage of international do you hold?

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool
"consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks."
by SpringMan
Fri Dec 02, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 7211

Re: What percentage of international do you hold?

Currently 16% of equities is international, only 0% of bonds. Beginning RMDs next year. My plan is to sell bonds in IRA to satisfy RMDs and invest the proceeds, minus federal tax withholding, in more international equities in our taxable accounts, probably buy more FSIVX which we own at Fidelity. Ou...
by SpringMan
Sat Nov 26, 2016 5:23 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 6093

Re: My Bonds Are Enraging Me

Enraged over a $138 loss makes no sense to me. We have over 60% of our portfolio in VG taxable bond funds. Losses are over $30,000 just since the Nov 8th election. I am not happy about it but on the positive side equities have performed well and our bond funds are in traditional IRAs so Uncle Sam wi...

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