Search found 20 matches

by vuduthmb
Wed Jun 27, 2012 11:28 am
Forum: Investing - Theory, News & General
Topic: Why is High Yield Corporate Fund less sensitive to interest?
Replies: 4
Views: 2984

Why is High Yield Corporate Fund less sensitive to interest?

I am in Vanguard's High Yield Corporate Fund (VWEAX.) I have read in a couple of places that this fund is less sensitive to changes in interest rates than other bonds. I realize that it is partly because of it being corporate bonds instead of treasury bonds, but I think that is not the whole story. ...
by vuduthmb
Wed May 30, 2012 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: I need a "buy and hold" pep talk.
Replies: 49
Views: 4080

I need a "buy and hold" pep talk.

It's hard to tune out the noise. My friend (?) tells me I'm crazy regarding my buy and hold position. I only have about 30% of my investments in the VTSAX, and a very small per centage in Apple and the Vanguard REIT fund. The rest (70%) is invested in Vanguard Bond funds (VBILX and the Vanguard High...
by vuduthmb
Tue Apr 24, 2012 12:05 am
Forum: Investing - Theory, News & General
Topic: Is the Total Stock Market Index fund tax efficient?
Replies: 20
Views: 3158

Re: Is the Total Stock Market Index fund tax efficient?

Glad we are all on the same page 'bout this...
Seriously, thanks for all the helpful input. I especially found cheese_breath's article helpful.
Thanks.
by vuduthmb
Mon Apr 23, 2012 3:23 pm
Forum: Investing - Theory, News & General
Topic: Is the Total Stock Market Index fund tax efficient?
Replies: 20
Views: 3158

Is the Total Stock Market Index fund tax efficient?

VTSAX.
Something I read made me doubt my understanding of that fund.
Thank you.
by vuduthmb
Fri Apr 20, 2012 9:52 pm
Forum: Investing - Theory, News & General
Topic: Can we discuss the V. Long Term Treasury Fund?
Replies: 9
Views: 936

Re: Can we discuss the V. Long Term Treasury Fund?

Yes, I would really like to hear about the relative merits of the V. Total Stock Market fund and the V. Intermediate Term Bond Fund.
Thanks.
by vuduthmb
Fri Apr 20, 2012 7:53 pm
Forum: Investing - Theory, News & General
Topic: Can we discuss the V. Long Term Treasury Fund?
Replies: 9
Views: 936

Can we discuss the V. Long Term Treasury Fund?

Vanguard Long-Term Treasury Fund Admiral Shares (VUSUX) A friend of mine likes this fund at the moment. Would someone talk to me about this fund? How likely is it that changes in interest rates will negatively affect this fund? Are those changes in interest rates likely or foreseeable? In regards t...
by vuduthmb
Fri Apr 20, 2012 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX & VBILX, or Wellesley?
Replies: 8
Views: 1688

Re: VTSAX & VBILX, or Wellesley?

Yes, thank you, I never thought that this 65/35 split was directly comparable to the Wellesley Fund. I realize the Wellesley Fund is invested differently. Thanks.
by vuduthmb
Wed Apr 18, 2012 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX & VBILX, or Wellesley?
Replies: 8
Views: 1688

VTSAX & VBILX, or Wellesley?

Please correct my math or shoot holes in my assumptions as you see fit. I have around $100,000 to invest. I have about $75,000 worth of “room” in tax advantaged accounts, the Roths and a rollover IRA. As seen on Google finance: Vanguard Total Stock Market Index Fund, 1 yr trailing returns = 6.41%, 3...
by vuduthmb
Wed Apr 18, 2012 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: What is "Hypothetical" about the Growth Chart?"
Replies: 5
Views: 646

What is "Hypothetical" about the Growth Chart?"

When I go to the Vanguard web site and research a fund like VTSAX for instance, there is a chart there labeled "Hypothetical Growth of $10,000.00) as of 3/21/2012. The chart starts in 2002. What is "hypothetical" about this? This is well documented past data, right? They can compute e...
by vuduthmb
Wed Apr 18, 2012 11:25 am
Forum: Investing - Help with Personal Investments
Topic: VBILX rated "High Risk" by Morningstar?"
Replies: 5
Views: 1647

VBILX rated "High Risk" by Morningstar?"

The Vanguard Intermediate Term Bond Fund is rated a 2 on a scale of 1-5 at Vanguard's web site. 1 would be the most conservative rating. You know, the Risk Meter thingy that Vanguard uses. When I go to google Finance and look at the little chart at the right, Morningstar has rated this same Bond fun...
by vuduthmb
Sun Apr 15, 2012 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do I mend my attempt to time the market?
Replies: 12
Views: 1234

How do I mend my attempt to time the market?

I’m 60 years old. I read James Bogle’s book and a lot of stuff on the Bogleheads’ Forum. I was very impressed, and determined to manage my own investments simply and conservatively according to this philosophy. When the market started going south a week or 2 ago, I let my buddies persuade me that it...
by vuduthmb
Tue Feb 28, 2012 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommends 37% bonds at 60 yo?
Replies: 13
Views: 2075

Re: Vanguard recommends 37% bonds at 60 yo?

Thanks especially for both sets of graphs. What an eye opener. I may need to rethink things.
by vuduthmb
Tue Feb 28, 2012 12:33 am
Forum: Investing - Help with Personal Investments
Topic: V. Total Bond Market vs V. Interm. Bond Fund vs V. Inflation
Replies: 16
Views: 1935

V. Total Bond Market vs V. Interm. Bond Fund vs V. Inflation

Vanguard Total Bond Market vs Vanguard Intermediate Bond fund vs Vanguard Inflation Protected Securities Are the TIPS type funds a better bet than V. Total Bond Market? Or is V. Inter. Bond Fund the way to go? I've almost been convinced to invest entirely in stock market index fund. Any input is gre...
by vuduthmb
Sat Feb 25, 2012 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommends 37% bonds at 60 yo?
Replies: 13
Views: 2075

Re: Vanguard recommends 37% bonds at 60 yo?

Yeah, Vanguard web site says pie chart is an example for people in my age group. Hmmm....
by vuduthmb
Sat Feb 25, 2012 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommends 37% bonds at 60 yo?
Replies: 13
Views: 2075

Vanguard recommends 37% bonds at 60 yo?

I will be 60 years old in 6 weeks. When I go to my Vanguard Account Summary online, there is a nice little pie chart there that recommends that I have 63% in stocks and 37% in bonds. Everything else I read recommends that I have significantly more in bonds at my age. Why does this attractive little ...
by vuduthmb
Thu Feb 23, 2012 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds and allocations should I get?
Replies: 3
Views: 659

Re: Which bond funds and allocations should I get?

Not sure what info is or isn't relevant. I'm 60 and I am a cabbie. (my semi-retirement fun gig). My wife is a teacher. My retirement plan is to work forever. I have almost 200K that I need to invest smartly, and I'm very impressed with the Bogleheads. If I am going to do about 60/40 stocks/bonds I w...
by vuduthmb
Thu Feb 23, 2012 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Which bond funds and allocations should I get?
Replies: 3
Views: 659

Which bond funds and allocations should I get?

I'm 60. I like the Vanguard Total Bond Market Index Fund and the Vanguard Intermediate Term Bond Index. I will devote about 40% of my investments into bond funds, and fill the tax advantaged accounts first. What should I consider when deciding which of these bond funds to invest in? Would I be decen...
by vuduthmb
Wed Feb 22, 2012 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500/Extended Market allocations
Replies: 9
Views: 824

Re: Vanguard 500/Extended Market allocations

Noobvestor really got my attention with the "for free" part. I really appreciate all the input.
Thank you.
by vuduthmb
Wed Feb 22, 2012 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500/Extended Market allocations
Replies: 9
Views: 824

Re: Vanguard 500/Extended Market allocations

No, this will be outside of my tax advantaged accounts. I was considering TSM anyway. I guess it just seemed too easy, lol. My buddy is encouraging me to put a little money into the V. Small Cap Index, but I dunno. I guess I'm afraid of risk.
by vuduthmb
Wed Feb 22, 2012 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500/Extended Market allocations
Replies: 9
Views: 824

Vanguard 500/Extended Market allocations

I am interested in investing in these 2 funds, which Vanguard says complement each other. Can anyone suggest an allocation for each? I was thinking 70/30, 70% in the Vanguard 500 Index. Vanguard 500 Index Fund Admiral Shares (VFIAX) Vanguard Extended Market Index Fund Admiral Shares (VEXAX) Thank you.

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