Search found 591 matches

by elgob.bogle
Sat Jan 30, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: Correct TIPS Auction Price
Replies: 9
Views: 658

Re: Correct TIPS Auction Price

Vanguard listed $99.04 as the price that I paid per unit thru its Brokerage Services. More precisely $99.0406.

elgob
by elgob.bogle
Wed Jan 27, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2028

Re: Entire Portfolio Expense Ratio

Ours is currently .0446 overall. We have a a lot of TIPS bonds in a ROTH IRA at Vanguard which have no fees - Fidelity Spartan S&P 500 (FXSIX) .05 - Vanguard Total US Equity (VTI) at .05 - Vanguard Short-term Municipal Bond Fund (VWSUX) at .12 - Fidelity Spartan Institutional Total Bond Market (...
by elgob.bogle
Mon Jan 25, 2016 12:23 am
Forum: Investing - Theory, News & General
Topic: What is Your Bond Allocation & Location
Replies: 38
Views: 3835

Re: What is Your Bond Allocation & Location

Retired - age 67 Fixed Income portion of portfolio: 63% in 10-year TIPS ladder (in ROTH IRA), 32% in Intermediate Term Total Bond Market Fund (in Traditional IRA), 5% in Intermediate Term Municipal Bond Fund (in Taxable Account)

elgob.bogle
by elgob.bogle
Tue Dec 01, 2015 3:29 pm
Forum: Investing - Theory, News & General
Topic: Fed ends 'too big to fail' lending to collapsing banks
Replies: 7
Views: 1385

Re: Fed ends 'too big to fail' lending to collapsing banks

ResearchMed said "Vanguard is putting back general access to the Federal MM fund".

I just checked and it appears closed. Did I miss an announcement?

elgob
by elgob.bogle
Wed Nov 04, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Why is the expense ratio .16 for the Prime MM?
Replies: 13
Views: 1851

Re: Why is the expense ratio .16 for the Prime MM?

Spouse's equivalent fund at Fidelity (FRTXX) has an ER of .42. Why? I think it is "because they can!".

elgob
by elgob.bogle
Wed Nov 04, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Why separate Roth Conversions?
Replies: 5
Views: 688

Re: Why separate Roth Conversions?

It used to be OK with vanguard (at least they didn't complain) to sell a mutual fund in one ROTH and buy it back in another ROTH the next day, without penalty, if there was a minimum holding period to prevent "return trip" activity. This could benefit short term holders and those that make...
by elgob.bogle
Fri Sep 18, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: VT and BND
Replies: 16
Views: 1910

Re: VT and BND

I believe that it would be more efficient for you to hold all 10% of your bonds in your Roth IRA account. See the Wiki for more information on tax efficient placement of investments. http://www.bogleheads.org/wiki/Principl ... _placement

elgob
by elgob.bogle
Thu Sep 17, 2015 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: VT and BND
Replies: 16
Views: 1910

Re: VT and BND

Recommend that you consider selling you company stock periodically. Remember how Enron employees ended up with their company stock.

elgob
by elgob.bogle
Thu Sep 17, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Does my portfolio make zero sense (in its current state)?
Replies: 12
Views: 956

Re: Does my portfolio make zero sense (in its current state)?

Welcome to the forum. What you are doing makes perfect sense. When you are young and just starting out with investments, 100% or nearly 100% equities is usually recommended. Over time, the % of equities should go down and the % of fixed income should go up. Good luck.

elgob
by elgob.bogle
Wed Sep 09, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Says Don’t Make Investment Decision Based on the Fed
Replies: 6
Views: 1197

Re: Warren Buffett Says Don’t Make Investment Decision Based on the Fed

Thanks for the link. He sounds like Boglehead in this interview. I wonder if he ever visits this site?

elgob
by elgob.bogle
Mon Aug 31, 2015 6:28 am
Forum: Investing - Help with Personal Investments
Topic: What happens when a Brokered CD matures?
Replies: 3
Views: 412

Re: What happens when a Brokered CD matures?

Thanks for your replies.

elgob
by elgob.bogle
Sun Aug 30, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when a Brokered CD matures?
Replies: 3
Views: 412

What happens when a Brokered CD matures?

I have a 2-year ladder consisting of four Brokered CD's held in a Vanguard Brokerage account. At maturity, will the purchase price of each of these CD's automatically be added to my sweep account like the interest payments are? Will I need to take any kind of action at maturity? Please advise as I c...
by elgob.bogle
Tue Jul 07, 2015 8:46 pm
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 37
Views: 3420

Re: How aggressive are you in Taxable?

We have 5 years worth of joint annual ROTH IRA contributions ($13,500 x 5) invested Vanguard's Short Term Municipal Bond fund in our taxable account which will hopefully cover contributions for the next 5 years until spouse retires. The dividends are directed to Vanguard's Tax Exempt money market fu...
by elgob.bogle
Tue Jul 07, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 1962

Re: TIPS vs. Short Term Bond Funds

Your question is above my pay grade. However, the duration 2.8 years that noted is the "point of indifference", i.e. the estimated number of years that it would take to recoup your investment with a one time rise in interest rates. If there is a series of step increases, such as many are e...
by elgob.bogle
Tue Jul 07, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: Why are US Gov Bond Yields Higher than German?
Replies: 13
Views: 1617

Re: Why are US Gov Bond Yields Higher than German?

I have been hearing some Bloomberg folks profess that it is because it is simply easier/more desirable to buy bonds in one's own country than bonds in th international market. Sound familiar?

elgob
by elgob.bogle
Tue Jul 07, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 1962

Re: TIPS vs. Short Term Bond Funds

In response to one of your questions - TIPS are insurance against "unexpected inflation". As you noted, expected inflation is baked into the price of both TIPS and nominal treasuries. The FED's target rate is 2% inflation. Let's assume that expected inflation is 2%. If the Fed can hold inf...
by elgob.bogle
Tue May 05, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Extended Market Index Fund
Replies: 6
Views: 997

Re: Fidelity Extended Market Index Fund

The extended market fund compliments the S&P 500 fund. It also tends to be more volatile because of the small & mid-cap stocks it contains. DW has both funds in her 401k account & invests S&P500:Extended Market at a 4:1 ratio. If you go to Morningstar's Instant X-Ray tool and enter t...
by elgob.bogle
Tue Apr 28, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1350

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

OOPS! Thanks for the correction!

elgob
by elgob.bogle
Fri Apr 24, 2015 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 51
Views: 4614

Re: Tampa, FL Chapter

Tampaite - at the time, a policeman from Clearwater named Adrian Nenu was heavily involved with the SW FL Chapter. The meeting was conducted pretty much like he described in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=9&t=64383 I remember it was a long round trip, and I didn't ...
by elgob.bogle
Thu Apr 23, 2015 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard making changes to asset allocation
Replies: 2
Views: 625

Re: vanguard making changes to asset allocation

This topic has bee discussed , mostly in the Theory sub-forum. Try using the search engine (top right). Also see the discussion concerning Rick Ferri & International Funds http://www.bogleheads.org/forum/viewtop ... 0&t=154400

elgob
by elgob.bogle
Thu Apr 23, 2015 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 51
Views: 4614

Re: Tampa, FL Chapter

I'm in Tampa & would go to local meetings. The SW FL chapter is kinda inactive. I went to one meeting at The Villages in Lake County a few years ago, and it was fun.

elgob
by elgob.bogle
Thu Apr 23, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA conversion to Roth
Replies: 2
Views: 264

Re: TIRA conversion to Roth

Read about Recharacterization on the Wiki https://www.bogleheads.org/wiki/IRA_recharacterization

elgob
by elgob.bogle
Thu Apr 23, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1350

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

5-Year 912828K33 No 04/30/2015 04/15/2020 -0.335% 0.125% Copied from Treasury Direct Web Site 3:15 pm today. Looks like -.355! :D

elgo
by elgob.bogle
Thu Apr 23, 2015 8:50 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1350

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

"Toady" is a demonstration of my dyslexia :(

elgob
by elgob.bogle
Thu Apr 23, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1350

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

5 Yr auction toady. Yield estimate -.488 as of 8:15 am this morning. Someone is buying TIPS - see Seeking Alpha http://seekingalpha.com/article/3092886 ... 1&uprof=46

elgob
by elgob.bogle
Tue Apr 21, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 380

Re: Help direct contributions between Roth and Traditional I

You can invest in your wife's ROTH IRA even if she is not working. Consider loading up both ROTH IRA's and putting what you can in your 401k/tIRA's.

elgob
by elgob.bogle
Tue Apr 21, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 380

Re: Help direct contributions between Roth and Traditional I

Is your wife employed? You noted her salary was $0

elgob
by elgob.bogle
Tue Apr 21, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 380

Re: Help direct contributions between Roth and Traditional I

Welcome to the forum! IMO, it would be advantageous to secure any employer matches right away, then suspend 4xxx payroll deductions until you have your ROTH IRA's filled, then go back to 4xxx &/or traditional IRA. Before I retired, we always tried to save enough each year so that we could fill o...
by elgob.bogle
Mon Apr 20, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: What are the best Vanguard Funds to buy?
Replies: 12
Views: 2271

Re: What are the best Vanguard Funds to buy?

Steve Roy - "youngest fund" blooper - hahahahah!

elgob
by elgob.bogle
Mon Apr 20, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Asset Allocation - My first Post!
Replies: 8
Views: 637

Re: Portfolio Asset Allocation - My first Post!

Hi - welcome to the forum. I'm going to let the experts delve into you portfolio. I do however, suggest that you look at the Wiki on efficient placement of your holdings. In general, you would want your 40% bonds in your tax-exempt accounts and efficient equities in your taxable account.

elgob
by elgob.bogle
Mon Apr 20, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3614

Re: Preparing for the Minimum Required Distribution

If you are not tied to New Jersey, you could consider moving to a more tax friendly environment. See http://www.kiplinger.com/slideshow/retirement/T006-S001-10-least-tax-friendly-states-for-retirees/index.html & http://www.kiplinger.com/slideshow/retirement/T006-S001-10-most-tax-friendly-states-...
by elgob.bogle
Sat Apr 18, 2015 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3812

Re: To TIP or not to TIP (funds)?

Well - some folks are buying Individual TIPS. The prices of all TIPS in my intermediate ladder (10 yr) have been steadily increasing since about the time that the Euro Quantitative Easing started last month. The price of gold also has jumped a little. Do these price moves suggest unexpected inflatio...
by elgob.bogle
Thu Apr 16, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 4
Views: 477

Re: Roth IRA

Are you stating your income before or after your 401k contributions? This could make a big difference.

elgob
by elgob.bogle
Thu Apr 16, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1350

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

Yep - I have already placed my order (see "To TIP or Not to TIP" in the Personal Investments sub-forum)

elgob
by elgob.bogle
Thu Apr 16, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3812

Re: To TIP or not to TIP?

Treasury Direct is now taking 5-yr TIPS orders. Indicative yield. exclusive of inflation, was -.482, factor 1.00217 at 11:30 am. It was -.481 at 11:50 am. "The Indicative Yield is an estimate based off the most recently issued Treasury security of similar maturity that is currently available am...
by elgob.bogle
Wed Apr 15, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3812

Re: To TIP or not to TIP?

Thanks for the education/explanation! I'm still going to place my order tomorrow!

elgob
by elgob.bogle
Wed Apr 01, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3812

Re: To TIP or not to TIP?

I purchase individual TIPS so that I have protection against unexpected inflation as well as unexpected deflation. TIPS purchased at auction can be redeemed at maturity for no less than the purchase price. There is an auction for 5-year TIPS in mid April. You will need a brokerage account at Vanguar...
by elgob.bogle
Sun Mar 08, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1324

Re: building up nest egg in retirement

Perhaps a 3 fund portfolio at Vanguard: Total International, Total US. Intermediate-Term Municipal Bonds.

elgob
by elgob.bogle
Thu Mar 05, 2015 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 8300

Re: Reasons not to use Total Bond Market?

I find this discussion intellectually challenging - thanks!

elgob
by elgob.bogle
Sun Mar 01, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9402

Re: What's your average ER?

I've been able to get min down to .048 overall. Lots of individual TIPS & some CD's (all with no ER) helps to pull down Total US Stock Market (ER = .05) and Total Bond (FXSTX .07). :D

elgob
by elgob.bogle
Sat Feb 28, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help planning Roth IRA Conversion
Replies: 4
Views: 576

Re: Help planning Roth IRA Conversion

It might help if you listed assets in each account and their individual percent of portfolio.

elgob
by elgob.bogle
Sat Feb 28, 2015 6:37 am
Forum: Investing - Help with Personal Investments
Topic: slice and dice question (fixed income)
Replies: 10
Views: 1035

Re: slice and dice question (fixed income)

Would take volumes to answer your question. Suggest that you see https://www.bogleheads.org/wiki/Category:Bonds and Larry Swedroe's "The Only Guide to a WIning Bond Strategy That Yo Will Ever Need".

elgob
by elgob.bogle
Thu Feb 26, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1868

Re: Which Bonds To Invest In?

Hi & Welcome to the Forum! Is either the 403B or the 401k account from an old employer? If so, I would move them to an IRA in order to provide more flexibility in bond offerings.

elllgob
by elgob.bogle
Tue Feb 24, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: old 401A options
Replies: 3
Views: 244

Re: old 401A options

When I retired, I had a 401a. Vanguard did all the work involved in rolling the funds into my IRA!

elgob
by elgob.bogle
Tue Feb 24, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 2366

Re: Moving to Cash?

Island asked: "I don't know much about Tips, brokered CDs, laddering strategies. Curious why these instead of bonds?" For me, ROTH space is precious, and I didn't want to be short of $$ when it came time to finish the rungs of my TIPS ladder. There is a rule of thumb that one shouldn't inv...
by elgob.bogle
Tue Feb 24, 2015 4:20 pm
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 2366

Re: Moving to Cash?

I am already retired. I did some hedging recently by purchasing new issue brokered CD's of 9, 12, 18 & 24 months, each lot of which will be enough to finish building my TIPS ladder as auctions come up. I chose brokered CD's for convenience, as the funds are in my ROTH IRA. They won;t pay much, a...
by elgob.bogle
Fri Feb 20, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 37
Views: 6612

Re: Should I switch to the 3 fund portfolio?

Yes. (Optional) First create a Taxable Money Market Fund and then transfer your $$ into it. Then transfer the $$, in the case e.g. of a 3-fund portfolio, to Total International, Total US, and Intermediate Term Tax Exempt Municipal Bond Funds in the ratios that you have settle on (AA). Munis are usua...

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