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I have the following as of now:

47% US Large
6% US mid cap
12% Small cap (mostly value)
13% International
4.5% Long term muni bond fund (VWLUX)
16% Cash (CD/MM)
1.5% REIT
Started investing only an year ago or so and I see almost 10% decline. Planning to add more VTSAX if if S&P drops more than 20%.

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:thumbsup For those who are waivering... Take a deep breath and go get a drink and if you don't drink go watch a movie. What the market does today or tomorrow or in the next month simply does not matter to the long term investor. If you are an active trader or day trader yes it matters, but for the ...

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We used Mint for years, but now we just use Personal Capital to track investment account balances and performance over time. But to be honest, I'm thinking about closing the PC account because of concerns about data leakage. As for spending, we no longer need to track it because we have it under ti...

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gluskap wrote: ↑
Tue Aug 28, 2018 1:03 pm
US stocks continue to soar - NW goes up YAY!
US stocks in freefall - sale on stocks YAY!

Either way I'm happy.

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VXF = Vanguard Extended Market ETF

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Congrats Taylor. It's a great review of your book. Thank you for sharing..

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See this: https://youtu.be/IcXPgQ7qeio

You can sort the CDs listing by Yield to Maturity/Worst and then buy.You buy in 1000 units (i.e., 10 units is equal to $10,000).
I think Vanguard's commission is $2.

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Why do they call bond fund monthly/quarterly payments as dividends? Are they not coupons/interest payments?

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Looks like they haven't closed the accounts opened via phone. I had two accounts opened online and their saving accounts have been closed and I submitted an ACH pull for these two accounts. The other two accounts were opened by phone and "savings" accounts still exist for those two accounts. Not sur...

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I just checked and they have deposited the quarter's interest payment but haven't moved the money from savings into the card yet. I will wait until tomorrow and start an ACH transfer once the money is available in the card. RIP 5% savings account :( .. You're able to transfer it to the card yoursel...

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I just checked and they have deposited the quarter's interest payment but haven't moved the money from savings into the card yet. I will wait until tomorrow and start an ACH transfer once the money is available in the card. RIP 5% savings account

..

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Happy Birthday Mr. Bogle!

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If I buy a brokered secondary CD of $50,000 face value by paying say $49,200, I know the coupon rate will be based on the face value ($50,000). When this CD gets matured, will I get $50k (face value of the CD) or $49,200 (the amount I paid to buy this CD)? Thanks.

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:thumbsup May I ask, is there a simple "CD Ladder for Dummies" approach that you recommend? :?: I understand Fidelity has options, but it would also seem there would be additional costs associated with that. Frankly the above conversations are above my level of understanding/expertise. (thanks in ad...

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I am looking at a Aa2/AA muni bond (CUSIP: 839278EP9) and it contains "Subject To - Sinking Fund 11/18@89.49" in it's description. What does it mean? Can I buy it? Issue name is South Pasadena Calif Uni Sch Dist - Election Of 1995.

Thanks.

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I just did the same. I had 1.6 interest rate and it was opened in March 2017 (due in March 2019). I broke it and opened a secondary CD of 3 years for 2.9 rate at VG.

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:thumbsup Kevin - Thanks for all the great info. I am learning a lot from your posts.. A few more clarifications and observations. For 0-year yield in tax-advantaged accounts, I use Prime money market yield, currently 1.79%. So this is the baseline for Treasury and CD curves, as those are what I'd l...

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Yesterday I purchased 40 quantity of 3-year CD (Wells Fargo Bk N A Sioux Falls S D CUSIP: 949763FW1) at Vanguard ($2 commission) @97.898 and yield (to maturity and worst) was 2.928 after commission. Coupon rate is 2.250. Do you think this is a good deal? Thanks. Guys I don't get it. The three year ...

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Yesterday I purchased 40 quantity of 3-year CD (Wells Fargo Bk N A Sioux Falls S D CUSIP: 949763FW1) at Vanguard ($2 commission) @97.898 and yield (to maturity and worst) was 2.928 after commission. Coupon rate is 2.250. Do you think this is a good deal? Thanks.

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So is it the right time now to buy bonds since rates are high already and bond funds prices have gone down?

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Thanks Pranav. Is changing to SpecID really the worth it?

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I had recently TLH'ed by selling my taxable assets (entire lot) and the cost basis method used was "Average cost" which was the default option. Since I had sold entire lot at once, there was no issue. But do you think it would be a better idea to change the cost basis method to "SpecID"? If yes, do ...

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Kevin - Thanks. I will continue looking next week. Have a nice weekend.. Kevin - I couldn't find it today but how about this one - Morgan Stanley Bank, National Association Secondary2.8% due 4/12/2021 (CUSIP: 61747MT35) It's showing a yield of 2.87 (after $100 commission for 50 of them and net amoun...

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Hi BogleMelon - Did you try the third card and got it? Checking to see before I try the third one for myself.. I have one for myself and one for wife. What’s the limit? Seems like the 5% won’t last too long as netspend limits it to 1k and I don’t know of any others. Currently the limit is $5000 per ...

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Kevin - I couldn't find it today but how about this one - Morgan Stanley Bank, National Association Secondary2.8% due 4/12/2021 (CUSIP: 61747MT35) It's showing a yield of 2.87 (after $100 commission for 50 of them and net amount is 49919.18). Please let me know if this is a good deal. Thanks, inv* A...

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Thanks Doc. So are secondary CDs not advised?

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Kevin - Thanks for this info. Most of us didn't know these options in VG (or Fidelity). I just checked in VG, is the following a good buy? CUSIP: 48126XA54 Issue: JP Morgan Chase 48 MO Callable 06/18@100 Maturity Coupon: 03/15/2021 1.750 Price bid: 98.699 Yield to worst bid: 2.658 Yield to maturity ...

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Why do people care about price and not total returns for bonds? I mean, if I open a 5 year 2.6% CD with 50k - my annual return would be $1300. Let's say an intermediate bond fund returns around 3% ($1500), doesn't it mean that the bond fund is better than the CD?

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This is a relatively specific question and I'm not sure if anyone will know, but thought I'd ask. I currently have separate 529 College Investment Plans for my 2 children and file my taxes as "Married filing Jointly" with my wife. My understanding of these accounts is that you can deduct up to $250...

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BogleMelon -

Does your wife have good credit history? Try calling them and order over phone. I had to do the same for my spouse.

When you ordered second card, did you provide the same exact information as the first one? I just added money to my first one and moving on to order the second one.

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Thanks Earl!

Earl Lemongrab wrote: ↑
Sun Mar 25, 2018 2:59 pm
Yes, that's what it means. Keep going, you at least want to get to 3k.

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So I have exchanged all the funds again with VTSAX from VLCAX (after more than 30 days of previous TLH as explained in this post). Below is the screenshot from my "Realized Gains & Losses" for this taxable account. From this, can I assume that I will be able to report 2566.85 towards losses OR am I ...

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Great income here - maximizing all available 401k and individual retirement savings accounts is the right way to go. With that great income, retirement saving totals look a little light. For me, I would not mind leaning toward the heavy side for equity allocation. (And I did, while accumulating.) A...

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Duckie, It's for retirement only and I didn't know how to invest it (lack of investment knowledge until last year). I am planning to move around 100k from into investment accounts and will cover the bonds allocation part.. I will use the cash in CD accounts to rebalance and adjust the allocations by...

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Thanks longleaf. I will get rid of high expensive funds and reallocation assets. I will consider VWITX in taxable but I will need to add from my cash accounts. I will think about it.. I agree with Duckie's analysis and recommendations. Definitely get rid of the "Oppenheimer Developing Markets Fund C...

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Thanks Peter. I still have to learn a lot about bond funds so until then, I will stick to 80% stocks and probably 20% of it on international.. I like Duckie's plan a lot. Here are my minor deviations: I'm okay with 80% stocks, but would prefer 70% until about the age of 50. Then slowly work your way...

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Thanks Duckie. This is very helpful. I will use the cash in CD accounts to rebalance and adjust the allocations by this weekend. Thank you very much.. Age: 43, wife: 39 and kids (14, 9) <snip> Desired Asset allocation: 80% stocks / 20% bonds (Please suggest) At your ages I suggest at least 30% bonds...

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So is it the right time to buy new BND funds?

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Thanks longleaf. I will look into 401k funds by ER once again but our plan doesn't offer better funds (ER point) right now. Do you think I should move from Blue Chips fund (BCH002) to S & P mid and small caps? Their ER is .31 (same as large cap). Then, I can do similar adjustments in VG accounts. I ...

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Dear BHs, I have been regularly reading the posts, information and wiki articles on this site since more than an year and have learnt a lot in the past year. The help you all are providing here is really valuable and incredible. Thanks to everyone. I have been saving since few years but never invest...

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Thank you all for good suggestions. One question regarding penalty payment and tax deduction. I had paid tax on last year's interest already (around on $1000 interest). If I withdraw now, I will have to pay penalty of around $600 which includes this years interest of $200 and last year's interest of...

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Flobes wrote: ↑
Sat Mar 03, 2018 3:51 pm
This might help:
When To Break A CD Calculator

Thanks Flobes.

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This might help: When To Break A CD Calculator Since it gives a "Yes/No" answer, "Should I ..." instead of "When to ..." might be better in the link name, Flobes. To actually provide a "When to" answer, I developed a little spreadsheet that calculates the yield on the new CD needed to break even. H...

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BHs, I opened a CD an year ago with an initial deposit of $80k. Interest rate on this CD was 1.6% and the maturity value (March 2019) is $82580. So far it earned around $1200. I am thinking of cancelling this CD and investing in a better CD/bonds where I am expecting at least 3% return (I don't need...

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Thanks jucor. Yes, I will be in this property for at least 15 years. I don't have any plans or intention to sell it until then.. Will you likely be in this property for another 15 years? If not, would the assessment fees transfer to new owner or be your responsibility? If you'll be there long term a...

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Friends, I get an invoice for $620 every year to pay for the front-foot benefits (water & sewer facilities assessments). I still need to pay this fee installment this year + 15 more years and it will be a total of $9,920 (16 * $620 = $9,920). The assessments company is offering me an option to pay o...

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Livesoft, Thanks and Sure:). I was going through some of the previous posts by you (TLH, washsale, general and a lot others with real time examples and screenshots) and they are very useful for new comers and people trying to understand how these things work. Thanks a lot for your contributions to t...

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Thanks livesoft and everyone.. I have just exchanged both VTSAX and VTIAX with VLCAX (large cap). Actually since it's close to 4pm, I was in hurry and exchanged everything with VLCAX (I will review next month). So now everything ($27,837) will be in VLCAX. I haven't changed the cost basis from defau...

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Yes Livesoft. No more questions!!

Thanks.

livesoft wrote: ↑
Mon Feb 12, 2018 9:32 am
Good Listener is wrong on this. Does that help?

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Good Listener, Your question raised concerns again.. Livesoft/Codedude/Others.. please clarify.. Good Listener, Below are my sales of these two funds: 01/16/2018 - VTSAX - 10k 01/23/2018 - VTIAX - 10k 01/29/2018 - VTSAX - 5k 01/29/2018 - VTIAX - 5k Total of 15k. If I sell them tomorrow and buy other...

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