Search found 419 matches

by Explorer
Mon Aug 03, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "sunsetting" CFP consultations
Replies: 111
Views: 8792

Re: Vanguard "sunsetting" CFP consultations

VG still makes certain Institutional mutual funds available at very low cost, and they have some famous funds such as Wellington/Wellesley.

For me, that is reason enough to keep VG.
by Explorer
Sat Aug 01, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Securities Income Program from Ally, any Good?
Replies: 5
Views: 616

Re: Securities Income Program from Ally, any Good?

I wonder if other brokerages have similar programs.. never heard of it before.. but glad Ally is making it clear and simple and more importantly asking for your CONSENT.
by Explorer
Fri Jul 31, 2020 7:29 pm
Forum: Personal Investments
Topic: comparable ETF version of Vanguard Lifestrategy Growth fund (VASGX) and Life Strategy Moderate Growth Fund (VSMGX)
Replies: 20
Views: 1072

Re: comparable ETF version of Vanguard Lifestrategy Growth fund (VASGX) and Life Strategy Moderate Growth Fund (VSMGX)

The LifeStrategy funds do not have ETF equivalents. Yes they do. OP can consider one of the asset allocation ETFs offered by iShares. They offer conservative, moderate, growth and aggressive ETFs -- AOK, AOM, AOR, and AOA. I own AOK. I meant in the sense that VTI is the ETF equivalent of VTSAX. Yes...
by Explorer
Mon Jul 27, 2020 7:19 pm
Forum: Personal Investments
Topic: Are Higher Stock Allocations the Only Option for Retirees?
Replies: 94
Views: 6622

Re: Are Higher Stock Allocations the Only Option for Retirees?

OP - The March swoon caused somewhere near 30%+ drop in the stock market depending on the index. If you can stomach that kind of volatility, or maybe even worse, the answer to your question is YES. Most retirees can not stomach that kind of volatility - therefore your stock allocation has to be prop...
by Explorer
Mon Jul 27, 2020 7:17 pm
Forum: Personal Investments
Topic: Are Higher Stock Allocations the Only Option for Retirees?
Replies: 94
Views: 6622

Re: Are Higher Stock Allocations the Only Option for Retirees?

I thought the main point of bonds was that they zig when stocks zag? I don't think anyone here has ever claimed that. I thought the point of bonds was that they neither zig nor zag, they hover in a small range of variance. US Agg Bond funds have a correlation of zero today, which means they are unc...
by Explorer
Sun Jul 26, 2020 3:28 pm
Forum: Investing - Theory, News & General
Topic: China and Stocks
Replies: 34
Views: 1916

Re: China and Stocks

I do not make my investment decisions based on individual countries, however, I am marginally overweight international relative to the US due to my perception of valuations.
by Explorer
Sun Jul 26, 2020 8:34 am
Forum: Personal Investments
Topic: Experience with Personal Capital?
Replies: 42
Views: 1904

Re: Experience with Personal Capital?

2. Major brokerages used to have "exclusions" for any damages caused by third party aggregators if the account owner willingly gave the password(s) to the aggregators. Although lately, most major brokers have also become aggregators. So not sure if this "exclusion" still stands. This would shed som...
by Explorer
Sat Jul 25, 2020 7:18 pm
Forum: Personal Investments
Topic: Experience with Personal Capital?
Replies: 42
Views: 1904

Re: Experience with Personal Capital?

2. Major brokerages used to have "exclusions" for any damages caused by third party aggregators if the account owner willingly gave the password(s) to the aggregators. Although lately, most major brokers have also become aggregators. So not sure if this "exclusion" still stands. This would shed som...
by Explorer
Sat Jul 25, 2020 7:16 pm
Forum: Personal Investments
Topic: Experience with Personal Capital?
Replies: 42
Views: 1904

Re: Experience with Personal Capital?

Again, how does one break into Vanguard through Personal Capital? Run that by me again?https://millennialmoney.com/is-personal-capital-safe/#:~:text=The%20short%20answer%20to%20this,is%20secure%20for%20its%20customers Some developer/contractor will have the ability to decrypt your secrets. That is ...
by Explorer
Sat Jul 25, 2020 6:46 pm
Forum: Personal Investments
Topic: Experience with Personal Capital?
Replies: 42
Views: 1904

Re: Experience with Personal Capital?

What makes you think Vanguard is safe then? What makes you think bank encryption is safe then? What makes you think your credit union password is safe then? Your online credit card purchases? No one is claiming that any entity is 100% secure. But if there is a security incident at your financial in...
by Explorer
Sat Jul 25, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: Deeper Understanding of US Agg Bond Fund Attributes
Replies: 2
Views: 342

Deeper Understanding of US Agg Bond Fund Attributes

I will use info readily available from iShares page for their US Agg Bond Fund ETF (AGG) to start off this discussion. There appear to be more bond threads these days, so I thought we should dig a little deeper. At the time of this writing, here are a few items: #1. 8160 individual bonds in the fund...
by Explorer
Wed Jul 22, 2020 7:01 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 135
Views: 12968

Re: What is your game plan as market is reaching its previous all time high?

Stay with the force! Or should I say "Stay the course!"
by Explorer
Tue Jul 21, 2020 3:50 pm
Forum: Personal Investments
Topic: TLH pairs for Vanguard REIT funds
Replies: 7
Views: 554

Re: TLH pairs for Vanguard REIT funds

My IPS calls for about 10% of my portfolio to be in REIT mutual funds or ETFs. I currently use VGSLX for US REITs and VNQI for international. Both are down big time for the year and present a TLH opportunity. However, I am having a hard time finding good TLH partners for them. iShares (BlackRock) h...
by Explorer
Sun Jul 19, 2020 5:37 pm
Forum: Personal Investments
Topic: TLH for 2020----Just checking my strategy
Replies: 18
Views: 837

Re: TLH for 2020----Just checking my strategy

ragabnh wrote:
Sun Jul 19, 2020 5:30 pm
If you sell a stock for TLH purpose, is there a time period lapsed before you may buy the same stock, or you may do it instantly.
If the stock you sold (all the purchase lots) are profitable, there is no time period lapse required. If you have some losses, wash sale rules apply.
by Explorer
Sun Jul 19, 2020 5:35 pm
Forum: Personal Investments
Topic: TLH for 2020----Just checking my strategy
Replies: 18
Views: 837

Re: TLH for 2020----Just checking my strategy

Thanks for the quick insights. Much appreciated. But, and I'll use JNJ as a real life example. Why not sell & then instantly rebuy? I'd realize a material profit & then reestablish my position at a higher price point. The profits would be tax free due to the losses I'm attempting to neutralize. I'm...
by Explorer
Sat Jul 18, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?
Replies: 117
Views: 8028

Re: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?

However, with current interest rates at zero, won't VBTLX returns drop down to about zero too? If so, why hold VBTLX at all? Funny you say this, because this year returns show that VBTLX at 7.20% while VTIAX is at 0.58% and VTIAX is showing -6.58%. Investors holding VBTLX are happy they have bonds ...
by Explorer
Sat Jul 18, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?
Replies: 117
Views: 8028

Re: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?

However, with current interest rates at zero, won't VBTLX returns drop down to about zero too? If so, why hold VBTLX at all? Funny you say this, because this year returns show that VBTLX at 7.20% while VTIAX is at 0.58% and VTIAX is showing -6.58%. Investors holding VBTLX are happy they have bonds ...
by Explorer
Fri Jul 17, 2020 7:18 pm
Forum: Personal Investments
Topic: When to sell individual stock after run up?
Replies: 51
Views: 3775

Re: When to sell individual stock after run up?

I would take the profits now and shift them into index funds... no need to wait. Pay the taxes that are due to the government.

Individual stocks are too risky.
by Explorer
Mon Jul 13, 2020 9:59 pm
Forum: Personal Investments
Topic: All in with Wellesley
Replies: 57
Views: 5001

Re: All in with Wellesley

OP - Smart choice with Wellesley, there is no other active fund that mixes the two fabulous ingredients of Wellesley - dividen stocks with highest quality corporate bonds (hand picked by top most group managed Wellington company).
by Explorer
Mon Jul 13, 2020 9:55 pm
Forum: Personal Investments
Topic: All in with Wellesley
Replies: 57
Views: 5001

Re: All in with Wellesley

What are your thoughts? My thought is that I'll stick to index funds. The holdings of the Wellesley fund are just too limited to give me confidence. Yes, the fund has a great track record, but we've seen a lot of active funds with great track records drop to market averages or below over the course...
by Explorer
Sun Jul 12, 2020 7:00 pm
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

Interest rates could fall but for now the Fed is steadfast in saying they wouldn't go to negative overnight lending rates - so even if the yield curve becomes flat at all maturities you will have zero interest rate/yield. The Fed doesn't set bond yields, but the larger point is that the yield curve...
by Explorer
Sun Jul 12, 2020 9:53 am
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

Wait what? Total bond market has a yiled of 2.5% and is up 6.43% to date. Find me a cash equivalent that does that. Please do. Don't live in the past please... current yield of BND is 1.34% with a duration of 6.4 years and the interest rates already at or near zero. Investing new dollars in BND is ...
by Explorer
Sun Jul 12, 2020 9:38 am
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

[ No arguments from me either.. looking forward (not into the past), rule of thumb says that if you hold BND for a time period equal to its duration (which is 6.4 years) you are likely to get 1.34% as total return.On the other hand, if the interest rates in the 6 to 10 year bonds rise by 1% you wil...
by Explorer
Sun Jul 12, 2020 7:33 am
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

If I am changing something in a 3-fund portfolio, it will be to drop total US bond fund and instead use cash as the fixed income portion. Given the current interest rate and yield environment, it makes less sense to hold bonds. Wait what? Total bond market has a yiled of 2.5% and is up 6.43% to dat...
by Explorer
Sat Jul 11, 2020 8:30 pm
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

If I am changing something in a 3-fund portfolio, it will be to drop total US bond fund and instead use cash as the fixed income portion. Given the current interest rate and yield environment, it makes less sense to hold bonds. Wait what? Total bond market has a yiled of 2.5% and is up 6.43% to dat...
by Explorer
Sat Jul 11, 2020 7:56 pm
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2315

Re: Alternative to Three Fund Portfolio?

If I am changing something in a 3-fund portfolio, it will be to drop total US bond fund and instead use cash as the fixed income portion. Given the current interest rate and yield environment, it makes less sense to hold bonds.
by Explorer
Sat Jul 11, 2020 8:02 am
Forum: Personal Investments
Topic: Wellesley Income vs mix of Total Stock Index & Total Bond Index
Replies: 15
Views: 2023

Re: Wellesley Income vs mix of Total Stock Index & Total Bond Index

... With this in mind if you were constructing a portfolio with more stocks than bonds it would seem to make sense to cover all of the bond portion with Vanguard Wellesley Income. Your thoughts. I use Wellesley as part of my overall bond allocation, instead of buying TBM. I like the idea of active ...
by Explorer
Fri Jul 10, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: Permanent Portfolio in a low interest environment
Replies: 32
Views: 4202

Re: Permanent Portfolio in a low interest environment

It is hard for me to believe in gold as an investment. I do agree that bonds have issues when Fed controls things artificially.
My choice: risk assets + cash
by Explorer
Fri Jul 10, 2020 9:42 pm
Forum: Personal Investments
Topic: Individual stocks
Replies: 35
Views: 2515

Re: Individual stocks

BH philosophy shuns individual stocks in favor of broad diversification. No doubt you read stories like "If I bought 1 share of Amazon in 1997, I would have a truckload of money today.." but it does not take much to learn about fallen angels that made you lose your shirt. I stopped getting tempted b...
by Explorer
Fri Jul 10, 2020 9:37 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 72
Views: 21064

Re: Ken Moraif must be getting nervous

Looks like this advisor feeds (himself) on the fears of his investors. Sad.
by Explorer
Mon Jul 06, 2020 6:48 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 52
Views: 5266

Re: Bond Alternatives in the time of Zero rates

I have not found alternatives to the bond universe but have done some changes within that sector. I have moved out of high yield completely, was in the 7% area of total portfolio in VWEAX, Vanguard's High Yield. All bonds are investment grade in either the Short or Intermediate Term Corporate Indic...
by Explorer
Sun Jul 05, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Bond valuation - expected to go down?
Replies: 21
Views: 1527

Re: Bond valuation - expected to go down?

Investing a lot of new money into high quality intermediate duration bond funds (such as BND) is fool's errand. Yield is next to nothing and duration risk of 6 years is huge. Long Term Bond Funds like TLT are even worse. I do not mean to be disrespectful to the experts in this forum - it makes no s...
by Explorer
Sun Jul 05, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: Bond valuation - expected to go down?
Replies: 21
Views: 1527

Re: Bond valuation - expected to go down?

Investing a lot of new money into high quality intermediate duration bond funds (such as BND) is fool's errand. Yield is next to nothing and duration risk of 6 years is huge. Long Term Bond Funds like TLT are even worse. I do not mean to be disrespectful to the experts in this forum - it makes no s...
by Explorer
Sun Jul 05, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: Bond valuation - expected to go down?
Replies: 21
Views: 1527

Re: Bond valuation - expected to go down?

Investing a lot of new money into high quality intermediate duration bond funds (such as BND) is fool's errand. Yield is next to nothing and duration risk of 6 years is huge. Long Term Bond Funds like TLT are even worse. I do not mean to be disrespectful to the experts in this forum - it makes no se...
by Explorer
Sun Jul 05, 2020 10:14 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 52
Views: 5266

Re: Bond Alternatives in the time of Zero rates

Has anyone found good alternatives to holding Bonds in a portfolio. My current target allocation is 25% Bonds/75% stocks, but I am concerned that the no load index bond mutual funds that I own for 25% of my portfolio are destined to have negative returns as interest rates will have to go up from ne...
by Explorer
Sun Jul 05, 2020 10:08 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 52
Views: 5266

Re: Bond Alternatives in the time of Zero rates

You seem so certain that you would lose money in bonds over the next 6 years...I'm not sure you are correct. It's a guess...but nothing more than a guess. I'm trying to think of any 6 year period where bonds went down every year . I can't off the top of my head. Some CD's would be okay...but that i...
by Explorer
Sat Jul 04, 2020 4:59 pm
Forum: Personal Investments
Topic: Long term bonds over total bond market?
Replies: 22
Views: 1765

Re: Long term bonds over total bond market?

Adding a portion of TLT to your portfolio acts as a stabilizer for volatility since it has a negative correlation to the broad stock market. But TLT is not a substitute for intermediate term bonds which provide a ballast function with very little correlation to stocks. Ex: TLT's equity beta is -0.32...
by Explorer
Fri Jul 03, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: CALPERS taking on leverage: Is leverage becoming more mainstream?
Replies: 25
Views: 1806

Re: CALPERS taking on leverage: Is leverage becoming more mainstream?

In my opinion, employing leverage does not necessarily mean levering up equity positions although it could. Leverage makes more sense for debt investment particularly in a guaranteed zero-interest rate environment for at least 2 and half years; add to that the Fed mandate to actually buy bonds/bond ...
by Explorer
Wed Jul 01, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: The perfect retirement portfolio...
Replies: 29
Views: 4363

Re: The perfect retirement portfolio...

I personally do not have any ideas that can satisfy at least 3 of your parameters or requirements.

However, I am all ears to hear what you have been doing/trying etc...keeping in mind "perfect is enemy of good enough."
by Explorer
Sun Jun 28, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: Hey Vanguard -- Offer a 3-Fund ETF Core Product
Replies: 17
Views: 1238

Re: Hey Vanguard -- Offer a 3-Fund ETF Core Product

OP - You can use a free platform like M1 Finance and buy an allocation of 3 ETFs (or any number of ETFs for that matter) in one click of the mouse.

Plus, with most brokerages offering free commission trades, this is not a big deal in my opinion.
by Explorer
Sat Jun 27, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How I learned to love my low yield emergency fund
Replies: 53
Views: 6458

Re: How I learned to love my low yield emergency fund

I agree with the sentiment of OP - emergency fund needs to stay in FDIC/money market status. But I also think using short-term or intermediate-term bond index funds with high credit quality (like BSV or BND) for a portion of EF or *additional* after-tax dollars that you are not comfortable investing...
by Explorer
Thu Jun 25, 2020 12:22 pm
Forum: Personal Investments
Topic: Which bond fund - 401k or Brokeragelink
Replies: 21
Views: 678

Re: Which bond fund - 401k or Brokeragelink

Because the 401k fund is an investment trust. But I guess since the transfer can be made in-kind there will be no issues. This is not crystal clear. I read couple things online about "in kind" rollover from 401k to IRA's in Fidelity and Schwab. I never seen a real person reported this on the forum....
by Explorer
Wed Jun 24, 2020 12:22 pm
Forum: Personal Investments
Topic: Which bond fund - 401k or Brokeragelink
Replies: 21
Views: 678

Re: Which bond fund - 401k or Brokeragelink

Because the 401k fund is an investment trust. But I guess since the transfer can be made in-kind there will be no issues. This is not crystal clear. I read couple things online about "in kind" rollover from 401k to IRA's in Fidelity and Schwab. I never seen a real person reported this on the forum....
by Explorer
Sun Jun 21, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Follow our journey to retirement
Replies: 35
Views: 4375

Re: Follow our journey to retirement

A bit off topic, but,what the heck will you be doing at 39 to spend your time? It is not just financial well being that is important and as you know the emotional/identity well being too. The fact that you are able to FIRE is great but just make darn sure you have given the emotional things a though...
by Explorer
Thu Jun 18, 2020 7:06 pm
Forum: Personal Investments
Topic: VBTLX or Guaranteed Stable Value fund 3%
Replies: 10
Views: 954

Re: VBTLX or Guaranteed Stable Value fund 3%

I use stable value fund as bond proxy in my 401(K), but I use VBTLX elsewhere since SV is not available.
by Explorer
Wed Jun 03, 2020 7:57 pm
Forum: Personal Investments
Topic: Changing Assett Allocation
Replies: 13
Views: 1246

Re: Changing Assett Allocation

OP - I am overweight on International mainly because INTL has been lagging the US market for the last decade and things even out over time... reversion to mean. Your portfolio is just fine. Please explain why your international weight increased because international has been lagging. Why would that...
by Explorer
Wed Jun 03, 2020 7:39 pm
Forum: Personal Investments
Topic: Anti-Vanguard Broker Experiment - So Far
Replies: 25
Views: 1885

Re: Anti-Vanguard Broker Experiment - So Far

I hold most of my non-Vanguard stuff at E*Trade. No complaints. I was and E*Trade customer long ago, but for cost reasons switched to OptionsHouse, which got bought by Trade Monster, which then got bought by E*Trade, so I'm back, but now the costs are fine. Honestly, if I was looking for a new brok...
by Explorer
Tue Jun 02, 2020 9:25 pm
Forum: Personal Investments
Topic: Changing Assett Allocation
Replies: 13
Views: 1246

Re: Changing Assett Allocation

OP - I am overweight on International mainly because INTL has been lagging the US market for the last decade and things even out over time... reversion to mean.

Your portfolio is just fine.
by Explorer
Sat May 02, 2020 9:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor appears to be live
Replies: 9
Views: 1638

Re: Vanguard Digital Advisor appears to be live

I just tried to take a spin...and ran into the following conditions which made NONE OF MY CURRENT accounts eligible...(bold conditions) All accounts that you’d like Digital Advisor to manage need to meet the following criteria: Your account must be one of the Vanguard Brokerage account types eligibl...
by Explorer
Sat Apr 04, 2020 6:56 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11295

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1. Staying the course
2. Not looking at my balances
3. Using Fidelity fractional shares function to buy small quantities of VTI & VXUS almost daily. This is a great sale for equities, the longer it lasts the happier I am. [Not deploying large sums of more money to the market - call me chicken :) ]