Search found 24 matches

by Mithrilman
Thu Mar 01, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434132

Re: U.S. stocks in freefall

Sometimes the news can trump a good earnings season......
by Mithrilman
Wed Feb 28, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???
Replies: 27
Views: 2272

Re: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???

BTW, OP, the market value for each of the top issues has increased beyond its face value (here I assume face value = redemption value -- may not be true?). It isn't like the bonds have dropped in value, hurting the performance of the fund. (Some other posters have noted that some Vanguard bond fund...
by Mithrilman
Wed Feb 28, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???
Replies: 27
Views: 2272

Re: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???

MIthrilman, you'll have to spell it out for us. I assume you're referring to the presence of Indonesia, Colombia, Panama, Russia (Gazprom), and Kazhakistan (KazMunayGas) in a fund which "invests in corporate bonds, pooled consumer loans, and U.S. government bonds." Yes I was surprised to see bonds ...
by Mithrilman
Wed Feb 28, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???
Replies: 27
Views: 2272

Re: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???

Top 10 holdings out of ~2,500 holdings are dominated by US Treasuries? Is that what you are referring to? Better to look at it as 6% of holdings - that is a better number. I am surprised by how high it is but not that surprised. Treasuries are more liquid than corporate bonds. There are cash handli...
by Mithrilman
Wed Feb 28, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???
Replies: 27
Views: 2272

Re: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???

Sorry, you'll have to sort according to coupon rate to get the point of my post. And if anyone feels charitable in taking a snap and posting much appreciated. I realize I need to add an image hosting site.
by Mithrilman
Wed Feb 28, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???
Replies: 27
Views: 2272

Vanguard Short-Term Investment Grade Bond Fund - Gamesmanship???

Look at these top 10 or so holdings in VFSUX sorted by coupon rate. Doesn't exactly ring of the holdings philosophy for this fund. Do they do this to pump up returns versus the benchmark and other competitive offerings?

Vanguard Short-Term Investment Grade Bond Fund VFSUX
by Mithrilman
Sun Feb 25, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Has anyone ever used getservice.com for travel disruption compensation?
Replies: 2
Views: 258

Has anyone ever used getservice.com for travel disruption compensation?

https://getservice.com The company filters your inbox for past flights and matches to a database of travel disruptions going back 12 months and then negotiates with airlines for compensation. This reminds me of firms that argue for lower property taxes and splits the savings. Or the new energy negot...
by Mithrilman
Sat Feb 24, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Bonds again!
Replies: 13
Views: 2353

Re: TIPS vs Bonds again!

Total Bond Market Index holds 17.2% of its portfolio in bonds with durations over 10 years. Almost 13% are over 20 years. I recall Bernstein portfolios having less long-term bonds than Bogle. Somewhat off topic, but this post caused me to look up the makeup of VBTLX. Largest coupon is Republic of Co...
by Mithrilman
Fri Feb 23, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 13608

Re: Bogleheads with $100K+ MSRP cars?

I bought a used 2014 911 GT3 with 7,000 miles on it. Love it. Original owner built it out as I would have.
by Mithrilman
Wed Feb 07, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38104

Re: What's your U.S. : International ratio?

Cut and pasted from a Bloomberg article... According to CRSP data, there were more than 9,100 U.S.-listed public companies in 1997. Today, that number is down to slightly more than 5,700. The Wilshire 5000, an index used as a proxy for all U.S. securities with readily available pricing data, holds j...
by Mithrilman
Wed Feb 07, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 for CA resident? Utah vs NY vs MA vs NV?
Replies: 17
Views: 1190

Re: Which 529 for CA resident? Utah vs NY vs MA vs NV?

I live in Texas. I've been EXTREMELY happy with Utah's 529. My son has been out of college for one year. My daughter will start in one year. Low expenses. Transfers, website, beneficiary designation, etc. always smooth. Nice run up over past 10-years hasn't hurt.
by Mithrilman
Wed Feb 07, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: When do you re-allocate?
Replies: 4
Views: 405

When do you re-allocate?

Hypothetically, let's say that you have a domestic equities target of 50% in VTSAX. If unchanged it runs up to 51% after one month, 53% after one quarter, and 55% after one year. I'm curious about the different opinions of when you would re-allocate and shift some into bond funds. (I realize some of...
by Mithrilman
Mon Feb 05, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 7818

Re: Bonds - Am I missing something

My bonds were up today, my stocks down. Glad part of my portfolio didn't tank :) total bond was down for the day, my cash stayed the same, and shares got cheaper. Glad we're both glad. Total bond was up 0.47% today, what are you looking at? See, e.g. https://personal.vanguard.com/us/funds/snapshot?...
by Mithrilman
Mon Feb 05, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16382

Re: Vanguard site is crashed now?

I'm a bit surprised this didn't become a news item. I can't seem to find any mention of it.
by Mithrilman
Mon Feb 05, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16382

Can't signon to Vanguard

[merged this topic and replies into the existing thread - moderator prudent]

Anyone else? Not a buyer or a seller today, but it is a bit unsettling to not be able to logon...
by Mithrilman
Tue Jan 30, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

You might consider using different bond funds (Short, Intermediate, Total) to match some or all of your expected liabilities. For instance, 3 years expenses in Short Term, 7 in Intermediate, and the rest in Total. I structured my portfolio this way and figure that I can either spend down equities o...
by Mithrilman
Tue Jan 30, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

It was recently suggested by a Vanguard rep to hold this allocation within the bond portion of my portfolio: Short Term VFSUX 14% Intermediate Term VFIDX 21% Total Bond VBTLX 35% International Bond 30% I also received the same advice from V/G (but minus the International bond portion) so must be st...
by Mithrilman
Mon Jan 29, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

OP, Can we get some more info: 1. How old are you, how many years to retirement? 2. Do you have a set of short term expenses that you are trying to fund from the bond fund (e.g. a Liability Matching Portfolio?) 4 bond funds seems a bit complicated but not sure if there are situational inputs we are...
by Mithrilman
Mon Jan 29, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

After digging into the calculations more, I believe they add VFSUX and VFIDX allocations because they feel VFIDX is too heavy on long-term maturities ~39% +10 years (of which 31.8% is +20 years). Interest rate risk... so they have to add shorter durations through the other two funds to get to their...
by Mithrilman
Sun Jan 28, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

After digging into the calculations more, I believe they add VFSUX and VFIDX allocations because they feel VFIDX is too heavy on long-term maturities ~39% +10 years (of which 31.8% is +20 years). Interest rate risk... so they have to add shorter durations through the other two funds to get to their ...
by Mithrilman
Sun Jan 28, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Re: Vanguard's advice on bond portion of portfolio

stan1 wrote: ↑
Sun Jan 28, 2018 6:35 pm
Some segment of their clientele will feel that an advisor is not adding value if they only recommend one fund so I think that's part of the reason why Vanguard Advisor Services adds more. Total Bond Market for everything is fine.
I think you hit the nail on the head...
by Mithrilman
Sun Jan 28, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6816

Vanguard's advice on bond portion of portfolio

First post :D It was recently suggested by a Vanguard rep to hold this allocation within the bond portion of my portfolio: Short Term VFSUX 14% Intermediate Term VFIDX 21% Total Bond VBTLX 35% International Bond 30% (I've not included the majority portion of the portfolio which is domestic/internati...