Search found 19 matches

by pubman
Wed Sep 09, 2020 10:43 pm
Forum: Personal Investments
Topic: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields
Replies: 6
Views: 736

Re: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields

Yup, my thinking as well. But at present it might be wise to keep new money in cash to react faster to changes in the market.
by pubman
Wed Sep 09, 2020 9:26 am
Forum: Personal Investments
Topic: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields
Replies: 6
Views: 736

Re: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields

Understood - the less risky bond funds did better this difficult year and so the Intermediate-Term taxable (treasury) Fund performed much better that the Intermediate-Term tax-exempt (muni) Fund. But I am hoping to get opinions from other Bogleheads as to which Intermediate fund to put cash in NOW. ...
by pubman
Tue Sep 08, 2020 1:58 pm
Forum: Personal Investments
Topic: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields
Replies: 6
Views: 736

Re: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields

Yes, but that doesn't tell me why the (taxable) Intermediate Bond Fund this year so mightily outperformed the Intermediate Tax Exempt Bond Fund and the Hi-Yield Tax Exempt funds with YTD's of 8.90%, 3.49% and 2.30%, respectively. I assume it because the taxable fund is mainly U.S. Government and so ...
by pubman
Tue Sep 08, 2020 11:50 am
Forum: Personal Investments
Topic: Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields
Replies: 6
Views: 736

Intermediate Term Bond Index Funds - Taxable vs. Tax-Exempt Yields

Can anyone explain why in recent years the taxable Intermediate-Term Bond Fund (VBILX) has strongly outperformed the Intermediate-Term Tax-Exempt Fund (VWIUX) even after adjusting for tax rates? YTD is presently 9.10% vs. 3.44%. And do we expect this disparity to continue? Same question, BTW, for th...
by pubman
Mon Jan 21, 2019 4:07 pm
Forum: Personal Investments
Topic: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing
Replies: 9
Views: 724

Re: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing

Despite what the name suggests, Vanguard’s high yield muni fund is still an investment grade fund with an average rating of BBB. Granted, the interm term fund has an even higher average credit rating of A, but the high yield fund is by no means a junk bond fund as less than 15% of its assets are be...
by pubman
Sun Jan 20, 2019 11:03 am
Forum: Personal Investments
Topic: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing
Replies: 9
Views: 724

High Yield vs Inter-Term Tax Exempt - Considering Rebalancing

The bond portion of our taxable joint account has both the High-Yield Tax Exempt and Intermediate-Term Tax Exempt Funds in a ratio of 28% High-Yield and 72% Inter-Term. The present SEC yield is higher for the High-Yield (3.39% vs 2.45%) and long term, the High-Yield has performed better. I realize t...
by pubman
Thu Jan 03, 2019 11:40 pm
Forum: Personal Investments
Topic: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes
Replies: 17
Views: 1555

Re: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes

My personal checking account is linked to my Vanguard account. It is depositing 3rd party checks that I prefer to mail in with the deposit slip. This is easier for me paperwork-wise than taking a photo of both sides off a check and using the mobile investment app. My deposit slips are not old - just...
by pubman
Thu Jan 03, 2019 10:23 pm
Forum: Personal Investments
Topic: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes
Replies: 17
Views: 1555

Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes

I use the Vanguard-supplied deposit slips in the Vanguard postage-paid envelopes to deposit checks into my Vanguard money market fund. The problem was that it took nearly 3 weeks for a recent deposit to be recognized by Vanguard. For 2 weeks I thought the envelope was lost and was about to stop paym...
by pubman
Sun Mar 11, 2018 4:51 pm
Forum: Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 2248

Re: Should I Take MY RMD Now Or Wait Until Later In The Year?

There is one important consideration not mentioned so far. If you want to make any QCDs and have them count towards your RMD, you do not want to take all of the RMD early in the year. If you make a QCD after you have completed the RMD, the QCD will not be taxable, but you do not get to reduce the t...
by pubman
Sun Mar 11, 2018 9:11 am
Forum: Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 2248

Should I Take MY RMD Now Or Wait Until Later In The Year?

Normally, it is best to take one's Required Minimum Distribution towards the end of the year to allow the investments to grow. I have only Vanguard bond funds (Intermediate, Total, and International) in my IRA. With rising interest rates on new bonds I am think of taking my RMD now rather than waiti...
by pubman
Sun Aug 20, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 2828

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

So TD Bank reimbursed you for fee charged by the bank that you took money from in Canada. I am a bit surprised but good to know. BTW, TD Bank is Canadian company so they may have special arrangements with other banks in Canada. I spoke to a customer service rep at TD Bank and he said that with my c...
by pubman
Sat Aug 19, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 2828

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

Possibly, but I believe that all CC providers (Visa MC, AMEX etc.) use the current real exchange rate and then charge their foreign transaction fee (which varies depending on the card). For Vanguard VISA it's 1% (see below, pasted in from the VanguardAdvantage new account kit that my rep sent to me ...
by pubman
Sat Aug 19, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 2828

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

Only 2 days apart and the the published exchange rate then was 0.80 with an estimated swing of less than +/- 1/4 of a percent during that period. The ATM hit I got using the Vanguard card was $5.00 Canadian (US$4.00). The ATM was in a mall adjoining our hotel in Vancouver. Of course the percent loss...
by pubman
Sat Aug 19, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 2828

Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

I had always assumed that using the VanguardAdvantage Visa Debit card would give me the best overall rates for the withdrawal of foreign currency at ATMs abroad. But, on a recent trip to Canada, I was very surprised to see that a Canadian Dollar cost me about US$0.83-84 with the Vanguard card and on...
by pubman
Mon Aug 14, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Lack of Feedback from Vanguard Reps when Suggestions are Made
Replies: 5
Views: 659

Lack of Feedback from Vanguard Reps when Suggestions are Made

Sorry if this topic has been discussed before (or if I posted it in the wrong forum). I've been a Vanguard investor for more than 15 years. In all that time I have made what I considered some useful suggestions to my Flagship reps who say they will submit this to the appropriate department. And yet ...
by pubman
Sat Dec 24, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 15648

Re: Reliable washer/dryer brands

When we needed a new washer/dryer about 4 years ago I almost had to buy Speed Queen. We have very hard well water and we soften on only the hot water side. Of the washers I looked at, only the Speed Queen allowed a hot water wash. For all of the others, the wash was warm water (for the sake of energ...
by pubman
Fri Sep 09, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"
Replies: 31
Views: 4055

Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"

I recently read the above-referenced article which addressed alternatives to the traditional 4% withdrawal rule, and also the logical order of which investment types/flows to first draw upon in retirement. But I was surprised to read their comment that "it is hard for the average investor to fi...
by pubman
Sat Jan 16, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59479

Re: Vanguard TurboTax - Not Available 2015?

Recently, I asked my Vanguard Relationship Consultant why "Vanguard is no longer offering discounts for TurboTax for their stockholders/investors, but Vanguard is still offering access to TurboTax via the Vanguard web site." For me the entire issue here is not money but principle since Co...
by pubman
Sat Jan 09, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59479

Re: Vanguard TurboTax - Not Available 2015?

Recently, I asked my Vanguard Relationship Consultant why "Vanguard is no longer offering discounts for TurboTax for their stockholders/investors, but Vanguard is still offering access to TurboTax via the Vanguard web site." For me the entire issue here is not money but principle since Cos...