Search found 10 matches

by pragmatist
Mon Jun 26, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 32
Views: 5863

Re: Total World expense ratio lowered

As an update to the OP, the semiannual report suggests that the expense ratio has remained at .11% and .21% for the etf and investor shares, respectively. This suggest to me that the expense ratio may not continue to fall as quickly in the future. If only they would use Total World in funds of funds...
by pragmatist
Sat Jun 24, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 32
Views: 5863

Re: Total World expense ratio lowered

Is there any reason to expect Vanguard to NOT offer admiral shares for a fund that both has investor shares and an ETF? Is there a precedent that has been around longer than Total World, particular an index fund?
by pragmatist
Thu Apr 27, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash short term set aside for roth contributions while in grad school
Replies: 15
Views: 962

Re: Investing cash short term set aside for roth contributions while in grad school

As far as I know, the IRS does not allow in-kind transfers from taxable to IRA. Only cash contributions are allowed.
Pragmatist
by pragmatist
Sun Apr 09, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 1038

Re: Using my local bank ATM chip card for Euros

Charles Schwab bank and/or brokerage would charge no exchange fees and reimburse ATM fees. There is a hard credit pull for opening an account. Free checks and billpay with no fees. Great service with little or no pressure to use other services.
by pragmatist
Fri Feb 24, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Total World expense ratio lowered
Replies: 32
Views: 5863

Total World expense ratio lowered

Vanguard Total World Stock Index Fund now reflects the expense ratios from the recent annual report: .11 for the ETF and .21 for the investor shares mutual fund. Hopefully, Vanguard will soon offer admiral shares for this marvelous fund. I have not looked at other funds to see if they have also been...
by pragmatist
Wed Jan 04, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 1971

Re: Best index fund that covers global stocks?

If they follow the usual procedure, the ER will soon be 11% for VT and 21% for VTWSX, since those are the numbers included in the recent annual report. Ideally, the mutual fund will get admiral shares within the next few years. I am not exactly sure what the hold-up is for those anyway.
by pragmatist
Mon Jan 02, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 117
Views: 27074

Re: Vanguard's new security key option

It's a bummer about the need to preserve the sms option. I think they clearly are trying to avoid higher call volume by making sms authentication always available for login. The key option is nice anyway. The key can be configured to add a long (15+ char) static password that I don't know, which I c...
by pragmatist
Sat Dec 31, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: VG & other firms with security
Replies: 2
Views: 507

Re: VG & other firms with security

And now they have 2fa with yubikey (a usb stick), though they make you keep SMS text as a backup.
by pragmatist
Sat Dec 10, 2016 12:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 117
Views: 27074

Re: Vanguard's new security key option

The newer ones can be quite expensive, but they can be used for multiple websites. It seems the improvement from SMS to hardware may be worth it, though Vanguard makes you retain SMS as a backup, at least for now.

Pragmatist
by pragmatist
Fri Dec 09, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 117
Views: 27074

Vanguard's new security key option

Hey everyone,

I just noticed a new "security key" option in the account maintenance page. It appears that Vanguard now supports hardware multi-factor authentication using Yubikey, though you have to purchase them elsewhere.

Pragmatist