Search found 559 matches

by Longtermgrowth
Tue Dec 04, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 741

Re: Merrill Edge sweep options just reduced

There was mention of one fund that we can trade ourselves, but if I'm going through the trouble to trade, I'm going with an ETF over a low yielding money market fund (low yield compared to Vanguard's MM and online FDIC savings accounts). The possibility of their preferred deposit becoming an auto sw...
by Longtermgrowth
Tue Dec 04, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 741

Re: Merrill Edge sweep options just reduced

Yep, they said bank deposits would get the current BIF rate for 6 months and then back to normal. That was a great checking account while it lasted. I was told my current rate is the measley 0.14% :? That is, unless holding more than 250k cash. Upon the liquidation of your shares of the Fund, the p...
by Longtermgrowth
Tue Dec 04, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 741

Re: Merrill Edge sweep options just reduced

ShadowRegent wrote:
Tue Dec 04, 2018 6:49 pm
Yep, they said bank deposits would get the current BIF rate for 6 months and then back to normal. That was a great checking account while it lasted.
I was told my current rate is the measley 0.14% :? That is, unless holding more than 250k cash.
by Longtermgrowth
Tue Dec 04, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 741

Re: Merrill Edge sweep options just reduced

drk wrote:
Tue Dec 04, 2018 6:13 pm
Odd. I've gotten no notification from Merrill Edge about this.
Check your account activity. The only thing that tipped me off was a full redemption of BIF Money Fund and reinvestment into another numbered "ticker", which apparently is the FDIC insured bank deposit sweep.
by Longtermgrowth
Tue Dec 04, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 741

Merrill Edge sweep options just reduced

For those using the BIF Money Fund at Merrill Edge, it is closing and no longer an auto sweep option: https://www.blackrock.com/cash/en-us/products/282856/ I asked about the BIF Treasury Fund, which was also an auto sweep option, but was told it's been removed (it is also closing?) and that the FDIC...
by Longtermgrowth
Thu Nov 29, 2018 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Marijuana [Stock]
Replies: 50
Views: 4494

Re: Marijuana [Stock]

all check out the chart for three year against MJ MJ hasn't been a marijuana ETF for that long: "Prior to Dec. 26, 2017, the fund was called the Tierra XP Latin America Real Estate ETF and tracked an index focused on Latin America real estate companies." Source: https://www.etf.com/MJ#overview
by Longtermgrowth
Wed Oct 24, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9531

Re: Larry Swedroe: Why International Diversification Works

Great article as always. I bought more shares of international small caps today. Valuations are looking good over there!
by Longtermgrowth
Sat Oct 20, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1637

Re: Constructing a 100% equity diversified Factor portfolio

The lack of value exposure on the international side is annoying, but there doesn’t appear to be a way to get it outside of DFA. Just having “not significantly tilted to negative value” is about the best you can do outside of DFA, it seems. If anyone knows anything I can do to increase the exposure...
by Longtermgrowth
Tue Oct 16, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1809

Re: DGS: Own it? Opinions on it?

One note about EWX and EEMS is that while they don't have the inherent value tilt of DGS, they make money hand over fist on securities lending that makes up for the ER. EWX is notoriously tax inefficient, but can even get a negative expense ratio. EEMS is tax efficient and also makes tons of money ...
by Longtermgrowth
Sun Oct 14, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1809

Re: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]

I love dividends, and appreciate that my views on them run contrary to most BHs. That being said, I would never buy a small cap fund or stock that had a dividend or dividend focus. Mature companies paying a dividend is fine, given a reasonable payout ratio measured against earnings. Small cap issue...
by Longtermgrowth
Sat Oct 13, 2018 4:41 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1809

Re: DGS: Own it? Opinions on it?

Seems a very DFA-type fund, except DFA would go with book to market instead of dividends, though both will give you value stocks. Dividends seem a prudent idea in EM, since a common argument is that accounting standards may be lax in EM. Accounting standards were lax in 19th century America too, an...
by Longtermgrowth
Wed Oct 03, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4224

Re: Humidity in basement

Sounds like you have no choice but to use a protective layer under the vapor barrier then.

Yes, will need a masonry bit if you decide to use rivets.
by Longtermgrowth
Wed Oct 03, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4224

Re: Humidity in basement

May not need the tarps if the dirt is thoroughly cleaned of all debris. They make 4" wide vapor barrier seam tape. Do you plan to attach the barrier to the foundation? There's also double sided butyl tape for this. Alternatively, can run a bead of construction adhesive along foundation. Most install...
by Longtermgrowth
Tue Oct 02, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to create good ETF Portfolio?
Replies: 19
Views: 1633

Re: How to create good ETF Portfolio?

Would doing 100% in an S&P 500 index be fine? Or diversify a little? Most here prefer a total stock market fund, which is already around 80% S&P 500. The 500 is the way to go if you want to exclude small cap stocks for some reason (many here overweight small caps). As for rather or not to include a...
by Longtermgrowth
Mon Oct 01, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4224

Re: Correlation between temperature, humidty and mold in crawl space?

The downside to that fan is it's pulling outside air when it's more humid than the crawl air if it is 90% humidity outside in the morning and running 24/7. I would be tempted to hook it up to a timer and have it run during the hours the temp and humidity is usually best, but if it's hovering at 65%,...
by Longtermgrowth
Sun Sep 30, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4224

Re: Correlation between temperature, humidty and mold in crawl space?

It's an interesting chart and sounds about right. Just sealing off exposed dirt with thick enough vapor barrier should help a lot. Also make sure HVAC supply/return lines are thoroughly sealed. If adding airflow in addition to sealing dirt floor, they do make fans designed to fit into crawl space ve...
by Longtermgrowth
Tue Sep 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Marijuana ETF's
Replies: 8
Views: 1807

Re: Marijuana ETF's

I've been watching ticker MJ (ETFMG Alternative Harvest ETF). As far as ETFs, it looks about as good as is currently available: https://www.etf.com/MJ#overview I compared MJ to ticker VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) on ETFrc.com's fund overlap tool, and two of MJ's top holdings are...
by Longtermgrowth
Sat Sep 01, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: MJX ETF - Cannabis
Replies: 7
Views: 1982

Re: MJX ETF - Cannabis

Looks like they changed the ticker to just MJ.
After reading the description on ETF.com, it is tempting to add some play money to it: https://www.etf.com/MJ#overview
by Longtermgrowth
Mon Aug 27, 2018 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2054

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

I decided to only hold Vanguard funds as I trust the company more, but sometimes I wonder if that is too extreme a decision. IJS looks like it would be great in a taxable account and I know it has better exposure to small value, as noted. Have you considered VIOV (Vanguard S&P Small-Cap 600 Value E...
by Longtermgrowth
Fri Aug 24, 2018 5:15 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch Preferred Deposit
Replies: 10
Views: 3711

Re: Merrill Lynch Preferred Deposit

I have a Merrill Lynch account, not Merrill Edge. Sorry about that. The options you listed are also available through Merrill Edge. I just did a lot of searching trying to find automatic sweep money market funds for Merrill Lynch accounts, and found this article partially behind a paywall indicatin...
by Longtermgrowth
Thu Aug 23, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch Preferred Deposit
Replies: 10
Views: 3711

Re: Merrill Lynch Preferred Deposit

Merrill Edge account? Merrill Edge has two auto sweep options with a 7 day SEC yield close to that: BIF Money Fund and BIF Treasury Fund. https://www.blackrock.com/cash/en-us/products/282856/ I use the BIF Money Fund to avoid phone calls, along with an online savings account that pays more than thei...
by Longtermgrowth
Wed Aug 22, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone else own PDN in taxable? [Invesco FTSE RAFI Developed Markets ex-U.S. Small-Mid]
Replies: 6
Views: 511

Re: Anyone else own PDN in taxable?

The lack of liquid TLHing partners is a bummer, as FNDC is itself quite tax efficient. Thanks for the replies. Another ETF somewhat similar in strategy to FNDC is ISCF (iShares Edge MSCI Multifactor Intl Small). ETF.com is currently showing an average spread of 0.27%, still not the greatest, but be...
by Longtermgrowth
Tue Aug 14, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: I would like to add a SCV tilt in International. What's the best ETF with low E.R.?
Replies: 10
Views: 960

Re: I would like to add a SCV tilt in International. What's the best ETF with low E.R.?

I like Paul Merriman's recommendations for international small value. Along with DLS, DGS (WisdomTree Emerging Markets SmallCap Dividend Fund) is another option some use, but it's ER is very close to EWX. I currently hold DLS, DGS and VSS. I like ishares SCZ for Small cap international. It has a new...
by Longtermgrowth
Mon Aug 13, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation adjusted annuity
Replies: 26
Views: 1706

Re: Inflation adjusted annuity

Yes, as they are taking on a lot of tail risk. But maybe, it's not so clear. I'd like to know their ratings. If there is high inflation, a low rated company can easily shift the tail risk to he policyholder by defaulting. Heads they win, tails you lose. Good point. Certainly want to pay attention t...
by Longtermgrowth
Mon Aug 13, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation adjusted annuity
Replies: 26
Views: 1706

Re: Inflation adjusted annuity

Something interesting: The monthly payout amount difference between a CPI annuity and 3% cost of living adjustment is roughly 1% (depending on age input) with the same company. The best quote for a 3% COLA with another company is about 8% (again, depending on age input among other info) more than th...
by Longtermgrowth
Fri Aug 03, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6295

Re: Will dividend spending only portfolio last forever ?

You do not hold 1700 different stocks. You are not accounting for overlap. Small blend will overlap with small value. I’m sure some of the mid Value is in VYM etc. either way you do not hold 1700. There are websites where you can see the overlap Indeed. According to ETFrc.com (they require register...
by Longtermgrowth
Fri Aug 03, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6295

Re: Will dividend spending only portfolio last forever ?

What I have found concerning some companies... If a company starts to weird out, VHDYX sell's them. I don't own GE or GM or Enron. GE is in VYM's top 25 holdings and GM is within its top 50 holdings currently: https://investor.vanguard.com/etf/profile/overview/VYM/portfolio-holdings Microsoft was V...
by Longtermgrowth
Sun Jul 15, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4405

Re: All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. T...
by Longtermgrowth
Sun Jul 15, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need to generate income
Replies: 27
Views: 2789

Re: Need to generate income

Unfortunately working isn’t a option. No my disability payment doesn’t cover everything. I wish it did. What is the monetary shortfall between disability and what you need? I’m looking at about 700 per month. I just input monthly income of 700 for 53 year old male at https://www.immediateannuities....
by Longtermgrowth
Thu Jul 12, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Look Past Expense Ratios
Replies: 71
Views: 6948

Re: Larry Swedroe: Look Past Expense Ratios

Using triceratop's spreadsheet for my own tax situation I found that IJS will cost me 54 bp including tax, while the Small Cap Value fund from Vanguard (VSS) will cost me 76 bp. So in my case, choosing the iShares fund with the higher ER actually reduces my total (ER + Tax) cost. Did you mean VBR (...
by Longtermgrowth
Fri Jul 06, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2204

Re: Carpenter Bees- HELP!

After spraying and filling all the holes, hanging a few carpenter bee traps on sunny eave corners helps a lot.

There are a number of them available, but the best ones have the clear jar/bottle trap on the bottom. They are easy to make if you have some spare wood, a saw and drill.
by Longtermgrowth
Wed Jul 04, 2018 3:41 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 3119

Re: If you tilt toward Small Cap Value, how much do you tilt?

Just thought I would point out that Vanguard also has an ETF that tracks the S&P 600 value index: VIOV. I'm beginning to think I'm the only one on this forum tilting to domestic small value with DES (WisdomTree U.S. SmallCap Dividend Fund). I also tilt to developed small value and emerging small val...
by Longtermgrowth
Sat Jun 23, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 39
Views: 3996

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

i posted above about the amount of lending done by Total Stock Market (VTSAX, VTI, etc.) and it is about 0.017% By contrast the S&P500 (VOO) appears to have a small fraction of that at 0.001% I don't think the highly liquid Large Cap stocks provide much opportunity to make money at lending, so the ...
by Longtermgrowth
Wed Jun 20, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on iShares FLOT -- Floating rate bond ETF
Replies: 6
Views: 774

Re: Opinions on iShares FLOT -- Floating rate bond ETF

There are a few short-term bond ETFs that look better to me than the floating rate ETFs:

ICSH (iShares Ultra Short-Term Bond ETF)
https://www.ishares.com/us/products/258 ... income-etf

SHV (iShares Short Treasury Bond ETF)
https://www.ishares.com/us/products/239466/
by Longtermgrowth
Wed May 30, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: VINEX vs VFSVX
Replies: 15
Views: 1323

Re: VINEX vs VFSVX

I have about 7% of my international in VINEX. Can somebody please tell me the difference between the two? Is it significant? Thank you for your time, Todd If I could only hold one Vanguard international stock fund, the ETF version of VFSVX, VSS, would be it (Vanguard FTSE All Wd Ex US Small Cap ETF...
by Longtermgrowth
Sat May 26, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Small mid value ETF instead of VXF
Replies: 12
Views: 1099

Re: Small mid value ETF instead of VXF

Just to further my knowledge of ETF structure, what would cause this distinction in tax-efficiency between these funds? FWIW I hold 20% of my portfolio in VIOV. Tried to hold only in my Roth but gave up and now hold in taxable too. Seems efficient enough, and I hope Vanguard won't ever close it due...
by Longtermgrowth
Sat May 26, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Small mid value ETF instead of VXF
Replies: 12
Views: 1099

Re: Small mid value ETF instead of VXF

If you didn’t care about the mid cap, SLYV [SPDR® S&P 600 Small Cap Value ETF ] is a great choice too. In a tax advantaged account, I agree. In taxable, the iShares (IJS) or Vanguard (VIOV) ETFs tracking the same index may be preferable. SLYV has a history of capital gains distributions: http://etf...
by Longtermgrowth
Fri May 25, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 13077

Re: Chase Savings Account emptied out!

unclescrooge wrote:
Tue May 22, 2018 1:30 pm
Credit reports are frozen. Bank account is closed!
Did you also freeze your ChexSystems report? From what I understand, it is usually pulled for bank/brokerage account applications.
by Longtermgrowth
Thu May 17, 2018 2:26 am
Forum: Investing - Theory, News & General
Topic: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?
Replies: 11
Views: 1401

Re: VYMI Vanguard International High Yield ETF Good way to get International Value tilt?

Paul Merriman lists VYMI as an option for international large value if sticking with Vanguard funds. He lists EFV (iShares MSCI EAFE Value ETF) as best in class though. Note that EFV is developed markets only, and VYMI includes emerging markets. If you haven't already seen it, the best in class ETF ...
by Longtermgrowth
Wed May 16, 2018 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 11740

Re: Yes, I'm 89 all right! [Jack Bogle]

I'm a little late, but Happy Birthday! Thank you for everything you've done for investors!
It was both a shock and pleasure to see a post from the legend himself :D
by Longtermgrowth
Wed May 16, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 8093

Re: Unique Phone Apps that you find yourself using most often?

I really like the Yahoo Finance app. I track all my funds tickers with it, and watch The Final Round (always starts 5 mins before markets close).
If I miss it, I usually go to their website and watch it later in the evening.
by Longtermgrowth
Fri May 11, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Floating Rate Note-Has its Time Arrived?
Replies: 40
Views: 4600

Re: Treasury Floating Rate Note-Has its Time Arrived?

Replacements for Treasury MM funds: BIL and SHV. With a 30 day SEC yield of 1.74%, SHV is looking better than my "high yield" savings account at 1.6%. The NAV looks to have stayed very stable through the rate increases that have already occurred, and the fund would save me a bit on state taxes...
by Longtermgrowth
Tue May 08, 2018 2:53 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 4044

Re: Why do so many Americans not own stocks?

Most around my age (20's, 30's) think it's a ripoff because of possible fluctuations of 50% or greater in net asset value of a stock fund. They also don't seem to know much about index funds in general, or have any type of concept of deep risk as Bernstein talks of. They have any excess funds (beyon...
by Longtermgrowth
Mon May 07, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 104
Views: 13720

Re: Total Bond - SEC yield breaks 3%

Not bad. I happened to check Vanguard Short-Term Treasury ETF (VGSH) today, and was surprised to see it's SEC yield at 2.36%.
by Longtermgrowth
Sat Apr 21, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 19
Views: 4450

Re: Merrill Edge "Money Account" Question

When I joined the brokerage, the default account didn't pay anything in interest. I sent them a secure message inquiring about the bank sweep option that paid, at the time, 1 tiny basis point like their checking account. They replied telling me the change had been made. Edited: Just checked my last ...
by Longtermgrowth
Wed Apr 18, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Capital Efficiency Trumps Fees In Search For Portfolio Diversifiers
Replies: 9
Views: 1190

Re: Capital Efficiency Trumps Fees In Search For Portfolio Diversifiers

For example, a more expensive small value equity fund may be a better option than a cheaper one. If the more expensive fund has deeper exposure to the size and value factors, less of it will be necessary to achieve the same factor exposure. That means using less of the more expensive SV fund and ad...
by Longtermgrowth
Tue Apr 17, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: ETF equivalents of Wellesley/Wellington equity portfolio?
Replies: 1
Views: 612

Re: ETF equivalents of Wellesley/Wellington equity portfolio?

Looking at the funds page on Vanguard's site, under "Portfolio and Management", "Equity characteristics", Wellesley compares itself to the FTSE High Dividend Yield Index. VYM tracks that index, but doesn't have the 6% foreign stocks. Wellington compares its equity holdings to the S&P 500, but still ...
by Longtermgrowth
Sat Apr 14, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3886
Views: 1086967

Re: What Movie Have You Recently Watched?

Molly's Game. Great movie. Jessica Chastain is perfect, as usual. Just took the time to watch the preview for that movie. Think I'll rent it this weekend. The last one I watched was All The Money In The World. It was alright, nothing great. I felt like the older and younger characters were a cross ...
by Longtermgrowth
Thu Apr 12, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 9717

Re: Why not annuitize most of portfolio?

Most have already mentioned the concern of inflation. I like the idea of annuitizing a large chunk of bonds for monthly basic expenses, while keeping a good chunk in stocks to hopefully outpace inflation. My state guarantee limit is 250k, so I'm my case, I'd probably split between a few insurers whi...
by Longtermgrowth
Thu Apr 12, 2018 2:15 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 4717

Re: Any aggressive index funds in your portfolio?

I wouldn't buy a growth stock fund. Look at what the definition of a growth stock is. It doesn't mean your investments are going to grow faster. This! If you really want returns, and can tolerate the various years of underperformance vs a total market index (tracking error), look into small cap val...