Search found 755 matches

by welderwannabe
Sun Sep 23, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Difference between VUSUX & VLGSX?
Replies: 2
Views: 150

Re: Difference between VUSUX & VLGSX?

VUSUX is an actively managed fund. VLGSX is an index fund and it used to be called something else...like long term government fund or something if I remember. I would use VLGSX. The expense ratio is less because it isn't actively managed. Some people make an argument that actively managed bond funds...
by welderwannabe
Sun Sep 23, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 9
Views: 653

Re: How to set up direct deposit to Vanguard Prime Money Market?

indexfundfan wrote:
Sun Sep 23, 2018 8:15 pm
We are lucky that at least Vanguard offers the Federal MMF as a sweep, which provides a reasonable yield.
Agreed. The Federal MM is a solid product.
by welderwannabe
Sun Sep 23, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 9
Views: 653

Re: How to set up direct deposit to Vanguard Prime Money Market?

If someone sees some language stating that the feds actually required settlement funds to be government funds I would like to see it. I haven't seen that language but have looked for it. Am curious if anyone else has. My guess is that it was easier for Vanguard and others to just use a single settle...
by welderwannabe
Sun Sep 23, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 55
Views: 5479

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

In fact, I suggest that all investors whose portfolio includes a “safe money” allocation get acquainted with Treasury Direct. The deals at the shorter end of the Treasury yield curve right now are tough to beat. Not many bank CD’s manage it, especially when state taxes are a factor. Agreed...bills ...
by welderwannabe
Sat Sep 22, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 55
Views: 5479

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Alliteration always amplifies, but the alliterative break the buck isn't the only issue. I agree most prime money market funds, including Vanguard's Prime Money Market Fund , VMMXX, are unlikely to encounter these restrictions, but they're subject to them. I think it is important to note that all m...
by welderwannabe
Fri Sep 21, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3254

Re: Out of Market

Don't rule out treasuries. For short term (12 months and less) I find them to generally be more competitive than CDs. For instance, at Fidelity, new issued 3 month brokered CDs are 2.10%. 3 month TBill is about 2.18% right now. If you are holding it in a taxable account the difference is even greate...
by welderwannabe
Fri Sep 21, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 55
Views: 5479

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Most of my MM money is in prime. I do have 30% of my EFund in Federal MM (settlement fund), but that is mainly for easy of buying tbills in my efund when I want to.

Federal does have the added benefit of being free from liquidity gates or haircuts in periods of stress.
by welderwannabe
Fri Sep 21, 2018 2:55 am
Forum: Investing - Theory, News & General
Topic: Best corporate long-term bond fund
Replies: 18
Views: 1591

Re: Best corporate long-term bond fund

Agree with the above posters for both VWESX and VLTCX.

However, OP should really research this first. I certainly wouldn't want a portfolio of long term corps. Today's Netflix is tomorrow's Enron.
by welderwannabe
Fri Sep 21, 2018 2:14 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity brokerage account - question about automatic investment
Replies: 13
Views: 859

Re: Fidelity brokerage account - question about automatic investment

jaypee wrote:
Thu Sep 20, 2018 8:52 pm
That really sucks if it it the case.
Can anyone with a Fido account and automatic transfers set up to buy mutual funds confirm this?
Jay
I automatically buy a fund every month directly from my checking account. This works just fine.
by welderwannabe
Tue Sep 18, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4412

Re: Bonds. Why? (vs. cds)

If we can assume that US interest rates are going to keep going up slowly through the next few years, why is better to invest in Bonds, vs. just investing in a CD ladder? Do Bonds Yield more than CDs? Ally has 2.5% CDs for a one year period, for instance (for a 25K minimum). US Treasury has 1 year ...
by welderwannabe
Tue Sep 18, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with limited 401k fund options
Replies: 6
Views: 298

Re: Help with limited 401k fund options

Doesn't look terrible. A quick internet search shows Wells Fargo/BlackRock S&P 500 Index CIT Class N shares with a .034ER. Thats not bad (really good, actually)

These could be some solid choices you can work with if you can confirm the ERs as other posters have stated.
by welderwannabe
Sun Sep 16, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1888

Re: Does cash at Ally count in my asset allocation?

I don't know if details are required so I'll keep this simple. If I count the cash and CDs I have at Ally Bank my AA is 52.5% equities and 47.5% fixed income. If I don't count the cash it is 57% equities and 43% fixed income. I have had/want a 50/50 AA so counting the cash is pretty much 50/50 but ...
by welderwannabe
Sun Sep 16, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money that you may need in 6 months to a year.
Replies: 17
Views: 1811

Re: How to invest money that you may need in 6 months to a year.

What is the difference between these two, in addition to the rates? My understanding is that you can sell and buy at any time with the Vanguard Federal Money Market fund, but you will be restricted to the normal 30 holding period for the Vanguard Prime Money Market fund. It that true? Not true. You...
by welderwannabe
Sun Sep 16, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put saving for retirement house?
Replies: 6
Views: 684

Re: Where to put saving for retirement house?

Hello Bogleheads! I could use some advise on where to put my saving for a retirement home. I am 2.5 yrs (30 months) from retirement and plan on moving to CO from CA and buying my retirement home. In the next 2.5 years, I plan on saving $255,000 and wasn't sure if I should just put it in a savings/M...
by welderwannabe
Sat Sep 15, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6120

Re: Paying off mortgage with 87K left on it -- DONE

The plan going forward, as discussed earlier in this thread, is to rebuild that EF back up to 2 yrs' worth. Monthly expenses should be ~$1800 but for EF purposes will round up to $2k. Two years' worth is $48k, which we'll call $50k. That is probably overkill for a mortgage-free existence, but it's ...
by welderwannabe
Sat Sep 15, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Synchrony Bank Issues
Replies: 15
Views: 1680

Re: Synchrony Bank Issues

Ally, and I have been very pleased... (so has my sister and her daughter who both opened Ally accounts). I opened an Online Savings account, and an Interest Checking account. I opened both to be able to transfer funds from savings to checking and get to the money via checks or debit card. The have ...
by welderwannabe
Sat Sep 15, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4664

Re: Total Bond or Total Bond/short-term

We have chosen to stay in the Total Bond Fund and to add to Short Term Investment Grade Index with new money. That is with a nod toward what is "likely" to happen in the bond market. That fund is actively managed and heavily tilted to corporate bonds. Nothing wrong with that if that is what you des...
by welderwannabe
Thu Sep 13, 2018 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Need to make major rebalance to bonds - help
Replies: 19
Views: 2001

Re: Need to make major rebalance to bonds - help

I would park half in the stable value and half in the PIMCO total return fund. It isn't a horrible bond fund.
by welderwannabe
Mon Sep 10, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: CD Break and Reinvest Options Perspectives
Replies: 18
Views: 1322

Re: CD Break and Reinvest Options Perspectives

5 year Treasury Note is 2.82% right now. 3 year is 2.77%. Something to also consider depending on what your state tax rate is. Treasuries are state tax exempt.
by welderwannabe
Mon Sep 10, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6120

Re: Paying off mortgage with 87K left on it

The "increased monthly cash flow" is basically a mirage when the OP has $100k in a taxable account. If the OP took 2k each month from that taxable account and used it to pay the mortgage, would you say that this has freed up cash flow? It hasn't done that. All that the OP is doing is choosing to pa...
by welderwannabe
Mon Sep 10, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6120

Re: Paying off mortgage with 87K left on it

I see this much as you do, with a key attraction of a paid-off mortgage being the flexibility and options that come with increased cash flow each month due to elimination of the monthly mort payment. The less we owe and the less we spend, the less we *need* to have on hand. The increased monthly ca...
by welderwannabe
Sun Sep 09, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 760

Re: Bond fund overlap

I don't understand the argument that any future rise of interest rates is already priced in the current NAV of the fund. Then, why does the NAV keep falling? That is not what I said. I said that the expected rise in interest rates is already priced in. The current expectations could be wrong. Selli...
by welderwannabe
Sun Sep 09, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 760

Re: Bond fund overlap

If the future direction of interest rates has been priced into current bond prices, in what month and year do you expect that the YTD total return of -1.41& for VBTLX will be overcome and the fund back at 12/31/17 net asset value ? And selling and putting money into short term bonds will somehow ov...
by welderwannabe
Sun Sep 09, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 760

Re: Bond fund overlap

I agree with the corporate bonds, that is why I do like the global bond fund (it is about 46% treasuries), though I do have a couple of questions about that fund; which is for another thread. I do believe rates are going up (high how, who knows), but I am just thinking with the other mixed funds th...
by welderwannabe
Sun Sep 09, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 760

Re: Bond fund overlap

My choice would be either to exchange into the short term bond fund( I have no problem trying to keep the duration shorter as interest rates rise) or I could exchange it into the global Bond Fund I guess it would be somewhat of a wash that way, just reducing our holdings overall. VFICX has a lot of...
by welderwannabe
Sun Sep 09, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction
Replies: 44
Views: 7507

Re: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction

Re #4, I did set aside $50k in VG's muni money market and it literally has not moved a single cent for the past 10 days. Does it only reprice once a month or something? I see it's 1 on the 1-5 risk/reward scale, but still did not expect it to have seemingly zero volatility! I have the Prime MM. It ...
by welderwannabe
Sat Sep 08, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: VFSTX or VBTLX or something else?
Replies: 10
Views: 539

Re: VFSTX or VBTLX or something else?

Since you asked.

50% Vanguard Intermediate-Term Treasury Index Fund Admiral Shares (VSIGX)
50% Vanguard Short-Term Corporate Bond Index Fund Admiral Shares (VSCSX)
by welderwannabe
Sat Sep 08, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Investing Cash
Replies: 3
Views: 784

Re: Investing Cash

Agreed, $1M in cash is excessive. However, when retired it can be a good idea to keep a few years of expenses in cash. The above poster suggested $250K and this seems good to me. This way if the market tanks you can do some rebalancing and just pull from your cash position for expenses versus sellin...
by welderwannabe
Sat Sep 08, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: windfall
Replies: 22
Views: 1963

Re: windfall

All, First, thank you for all the invaluable information here. Been reading for sometime with very little posting, but this one is important. I just received inheritance that will dramatically increase net worth. I know this is a perennial question here, but I am terrified of dumping all this cash ...
by welderwannabe
Fri Sep 07, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1067

Re: Portfolio Preservation Fund(s)

Over the long haul TBIlls have generally kept up with inflation.

However, in her shoes I would probably go 40% stock, 60% short term treasuries. Even then you may lost some in a down market.
by welderwannabe
Fri Sep 07, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund vs Retirement Contributions Help Needed
Replies: 4
Views: 463

Re: Emergency Fund vs Retirement Contributions Help Needed

Hey Guys I have around 3 months’ worth of emergency funds. I'd like to bump it up to 6 months. Should I stop my 401K & ROTH contributions till I get there? I don't have any employer 401K match. I would have to stop contributing around 5 months with only 401K contributions. With ROTH I should get th...
by welderwannabe
Fri Sep 07, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Where to save $12K?
Replies: 10
Views: 1053

Re: Where to save $12K?

I wouldn't keep my EF in a CD unless you ladder it to ensure you would get regular cash flows. Good point. Need to carefully read the early withdrawal penalty information if using CD for the emergency fund. And need to understand that a lot of the bank terms allow banks to change the penalty, or di...
by welderwannabe
Fri Sep 07, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Where to save $12K?
Replies: 10
Views: 1053

Re: Where to save $12K?

I wouldn't keep my EF in a CD unless you ladder it to ensure you would get regular cash flows. I wouldn't focus too much on the yield because its only $12k. A few basis points one way or the other isn't going to matter as much liquidity, which is what is most essential for an EF in my opinion. I wou...
by welderwannabe
Thu Sep 06, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4564

Re: Hold cash in Treasury Bills or in Money Market Fund?

linenfort wrote:
Wed Sep 05, 2018 9:05 am
OP's question made me wonder if Fidelity has an all-treasury money market fund comparable to Vanguard's VUSXX, so I searched and found FDLXX. Wow, it has a 0.42% expense ratio.
It is really hard to beat Vanguard's money market funds.
by welderwannabe
Wed Sep 05, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for stability
Replies: 13
Views: 1571

Re: Best Vanguard fund for stability

If you must and are really concerned about a crash, Prime Money Market is where I would be of the choices you listed.

Short Term treasuries wouldn't be bad either.


But just don't do it.
by welderwannabe
Wed Sep 05, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 19
Views: 1935

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

So VSUXX is best option out of the funds I mentioned is there any difference in risk at all? Well, it is VUSXX not VSUXX. There is a difference in risk, and I encourage you to evaluate it yourself to make sure you are comfortable. All are low risk, however Very low risk: VMMXX. It is a prime money ...
by welderwannabe
Wed Sep 05, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4564

Re: Hold cash in Treasury Bills or in Money Market Fund?

My main reason for holding the cash is as the safety portion of my portfolio, so that I would not have to sell equities for retirement income during a downturn in the market. Didn't the funds "break the buck" in 2008, or did they only look like they might? If they did, the break was brief and shall...
by welderwannabe
Tue Sep 04, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 19
Views: 1935

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

Just wondering if you need to get highest level of safety, liquidity and reasonable rate of return which investment vehicle is most suitable? $200,000 to invest Personally I would go with VUSXX as it is backed by the same organization as the FDIC insurance (Uncle Sam). you'd get the same level of s...
by welderwannabe
Tue Sep 04, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: 30 Day Rule After Selling Mutual Fund - Help
Replies: 2
Views: 337

Re: 30 Day Rule After Selling Mutual Fund - Help

You can still by but you have to use alternate methods. For example, an automatic investment is allowed.

They are trying to prevent someone from daytrading is all. It has nothing to do with wash sales.
by welderwannabe
Mon Sep 03, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4564

Re: Hold cash in Treasury Bills or in Money Market Fund?

It will depend on how you want to use the money. I have done both, but because I want to use the money instantly to buy ETFs if they drop in seconds, minutes, or hours, I prefer to use BIL which is a 1-3 month T-bill ETF. And you cant do that with individual bills at your broker? I understand Mutua...
by welderwannabe
Sun Sep 02, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 658

Re: Delay in deposits by empower for 401k?

jayk238 wrote:
Sun Sep 02, 2018 9:36 am
From withdrawl on a friday from paycheck to deposit into my 401k by empower i have to wait till wednesday.
Is this normal? Seems like too much time.
Direct deposit too.
Mine usually takes about a week, so you got me beat.
by welderwannabe
Sun Sep 02, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Ultra Short Term Bond ETF ?
Replies: 32
Views: 2164

Re: Ultra Short Term Bond ETF ?

NoHeat wrote:
Wed Aug 29, 2018 2:46 pm
BIL pays 1.78% SEC yield with a 0.16-year duration that's the shortest out there.
With a 28 day bill @1.94% and able to be purchased commission free at most brokerages, Ally savings account at 1.85%, Vanguard Federal MM @1.93% I am not sure why anyone would invest in BIL.
by welderwannabe
Sun Sep 02, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Treasuries - how to buy (not using Treasury Direct)
Replies: 20
Views: 2141

Re: Treasuries - how to buy (not using Treasury Direct)

jacoavlu wrote:
Sat Sep 01, 2018 9:27 pm
This is a significant advantage of treasury direct. At TD I’ve scheduled multiple purchases of 4 and 13 week T bills for future auctions.
Agreed. A significant disadvantage is the fact you have to transfer the security to a broker to sell it before maturity...
by welderwannabe
Sat Sep 01, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 206322

Re: QSPIX - thoughts on interesting fund

And this makes up roughly 25% of Vanguard's Total Bond which is constantly pushed by members of this forum for the "simple" 3-Fund Portfolio. So roughly 10% of a 60/40 portfolio. QSPIX makes up 5% of my portfolio and I don't think anyone has more than 10% on this board FWIW. I doubt many understand...
by welderwannabe
Sat Sep 01, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity's ER NOT zero?
Replies: 20
Views: 2245

Re: Fidelity's ER NOT zero?

I applaud Fidelity (or anyone else) for offering a loss leader product to draw in customers, especially if they’re pulling customers away from high-expense, high-fee funds. If those customers don’t have the discipline to stay with index funds and start chasing returns, that’s not my concern. In the...
by welderwannabe
Sat Sep 01, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Anyone investing in Municipal bonds ?
Replies: 46
Views: 3149

Re: Anyone investing in Municipal bonds ?

Because it's my taxable account and I might actually want to sell some. I might have a large-ish purchase coming up in a year or two. Regardless it's hard to argue that in the short term you're taking on a lot of risk with nearly no reward on the intermediate to longer term side of the curve. If yo...
by welderwannabe
Fri Aug 31, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3966

Re: Are CDs considered an investment?

I would consider any CD of a term of 1 year or longer an investment. Any CD less than that I consider cash.
by welderwannabe
Thu Aug 30, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash/emergency fund
Replies: 36
Views: 3462

Re: What to do with cash/emergency fund

For those of you with savings/emergency funds in vanguard prime money market how quickly can you get that money out? For example if you needed $15k on a weekend for an emergency would you be able to pull it out right away? I feel like if it's my savings account at least my bank would be able to get...
by welderwannabe
Thu Aug 30, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash/emergency fund
Replies: 36
Views: 3462

Re: What to do with cash/emergency fund

soccerrules wrote:
Wed Aug 29, 2018 1:42 pm
mine is in MM at Vanguard, where most of our assets are.
+1. I keep most in prime, but do have an amount in the Federal MM as well. I also roll 3 month bills.
by welderwannabe
Thu Aug 30, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Treasuries - how to buy (not using Treasury Direct)
Replies: 20
Views: 2141

Re: Treasuries - how to buy (not using Treasury Direct)

Buying a treasury at an auction is like tv before DVRs. You miss it and you need to wait until next week. As others have said the 28 day bill is the worst because you have a 24 hour window to place the order. 2 year notes can be a pain because they are auctioned only monthly, but the window between ...