Search found 5358 matches

by SpringMan
Fri Jan 04, 2019 8:50 am
Forum: Investing - Help with Personal Investments
Topic: FSTVX or FZROX
Replies: 21
Views: 1359

Re: FSTVX or FZROX

Fidelity's zero expense ratio funds are great in tax advantaged accounts. One problem with holding them in a taxable account is one can't change brokerages without selling and repurchasing the the new brokerage's fund and that makes for a taxable event. I highly doubt in-kind transfers would be acce...
by SpringMan
Thu Jan 03, 2019 11:51 am
Forum: Investing - Help with Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 32
Views: 6763

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

Would not it be expected that a 65/35 fund (VWELX) would do better than a 60/40 fund (VBIAX) when stocks go up and do worse when stocks go down. I would not use either in a taxable account. Not a fund I use but Tax Managed Balanced fund would make more sense in a taxable account than of the other tw...
by SpringMan
Tue Jan 01, 2019 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 874

Re: Vanguard International Fund down for year?

The fund was down but comparing only the share price change does not tell whole story since the fund pays a quarterly dividend. My recollection is yahoo does not factor in the dividends.
by SpringMan
Sun Dec 30, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: What are some critiques of passive investing/index funds?
Replies: 75
Views: 5699

Re: What are some critiques of passive investing/index funds?

School gunning survivor, David Hogg, was critical of Vanguard and called for a boycott of Vanguard because their index funds hold firearms companies. I don't agree. Even Vanguard's FTSE Social Index fund has big monster mega-banks that in my opinion are more evil than firearms companies.
by SpringMan
Sun Dec 30, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: What if your stock investment (company) goes bankrupt
Replies: 2
Views: 387

Re: What if your stock investment (company) goes bankrupt

Generally common stock holders will lose everything they invested when a company goes under. Bond holders would generally get paid but not always. In a taxable account you can write off your losses. No special 1099 forms needed. You lose what your cost basis was. This is why Bogleheads shy away from...
by SpringMan
Sat Dec 22, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 472

Re: Vanguard's account readout changes overnight?

On further investigation I see my mistake, today's mistake anyway. I missed two of my index fund's distributions, VSMAX and VIMAX.
Thanks to those that replied.
by SpringMan
Sat Dec 22, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: My Morningstar instant Xray-good or not?
Replies: 7
Views: 732

Re: My Morningstar instant Xray-good or not?

Is your goal to have an Xray that represents the total markets or do you wish to tilt? Yours is overweight large caps but there really isn't a right or wrong only what you are comfortable with. Any given Xray is going to perform good if market conditions are favorable and poorly in bear markets.
by SpringMan
Sat Dec 22, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 472

Re: Vanguard's account readout changes overnight?

Of course ETFs will change during the business day but not on Saturday. The discrepancies I noticed where in some Vanguard mutual funds.
by SpringMan
Sat Dec 22, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 472

Vanguard's account readout changes overnight?

Is it just me or has anyone noticed some of Vanguard's account readouts changed from Friday evening to Saturday morning? I am not talking about funds December distributions either. Thanks. I have seen this in the past and sometimes at Fidelity as well. I suppose I could have committed typing mistakes.
by SpringMan
Fri Dec 21, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Vanguard Capital Opportunity Fund?
Replies: 5
Views: 263

Re: TLH partner for Vanguard Capital Opportunity Fund?

Vanguard PRIMECAP works if you can buy it or PRIMECAP core. Flagship clients are limited to 25K per year on PRIMECAP. No limits on PRIMECAP core for Flagship clients.
by SpringMan
Fri Dec 21, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: vtmfx, vwelx, vbiax - after tax returns
Replies: 2
Views: 314

Re: vtmfx, vwelx, vbiax - after tax returns

VTMFX is 50/50 stocks to bonds, VBIAX is 60/40. and VWELX is roughly 65/35 so what you say makes sense.
by SpringMan
Tue Dec 18, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTSAX to VFIAX - Wash sale?
Replies: 3
Views: 399

Re: TLH VTSAX to VFIAX - Wash sale?

VLCAX, Vanguard's Large Cap Index, is also a good TLH partner for VTSAX though ER is .05% vs .04% for VFIAX.
by SpringMan
Tue Dec 18, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: RMDs in a falling market?
Replies: 6
Views: 1418

Re: RMDs in a falling market?

We take RMDs from the bond portion of our IRA so whether stocks are down or not does not matter. When stocks are down is usually a good time to buy some stock funds in our taxable account even though doing so makes our asset allocation more aggressive. We have gradually gone from 40/60 to 50/50.
by SpringMan
Thu Dec 13, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?
Replies: 14
Views: 1728

Re: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?

As a long term holder of PIMIX, I bailed out of PIMIX and replaced it with VBILX (Vanguard Intermediate term bond index). The expense ratio increases were part of it and PIMIX seems to be more correlated to equities than many other bond funds. No regrets.
by SpringMan
Sun Dec 09, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Teeter [inversion table]
Replies: 6
Views: 729

Re: Teeter [inversion table]

I discussed these with a physical therapist I was seeing for lower back issues (L4-L5). The verdict was she did not recommend them because of risks of having all that blood rush to your head. They could be good for the back but maybe cause other problems.
by SpringMan
Sat Dec 01, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 35
Views: 3695

Re: ?Admiral share availability in other brokerages?

Keep in mind the new lower limit for admiral shares does not apply to actively managed funds which still require 50K. As far as I know admiral shares of actively managed funds are only available through Vanguard, maybe possibly some 401(k)s. Fidelity, for example, won't allow VWIAX but will allow VW...
by SpringMan
Sat Dec 01, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1440

Re: Vanguard Online Account Access for Spouse

I had setup access to my spouse's account but in the process of Vanguard converting our mutual fund accounts to brokerage accounts, this access was lost. To remedy Vanguard sent out the necessary form which requires notarization and two signatures. I live in Michigan and my bank insisted the the not...
by SpringMan
Sat Dec 01, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4029

Re: Best new Mac/features for 2000-3000

If I were to get a desktop Apple Mac I would consider the Mac Mini especially if you already have display monitor(s). The iMac all in one computers are nice if you need a builtin monitor. 2000-3000 dollars seems like too much IMO. I would not get a MacPro desktop. I just retired my old Win Vista era...
by SpringMan
Sat Dec 01, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Investment Analysis Tools
Replies: 4
Views: 309

Re: Investment Analysis Tools

I would also consider also using Morningstar. You don't need a premium membership. If you create a login and portfolio(s) and post to their discussion groups, a suitcase will appear to the left of your discussion group handle containing your created portfolios. Click on a portfolio and you will get ...
by SpringMan
Thu Nov 29, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18446

Re: Vanguard - new Admiral $3,000 index funds

Investor class shares will still be used in fund of funds like they are currently used today.
by SpringMan
Sat Nov 24, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15221

Re: Black Friday 2018

Roku Ultimate (4K, HDR) is half price, $49.99, at Amazon and at Roku. I ordered one. My previous Roku is old and runs a bit sluggish.
by SpringMan
Sat Nov 24, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 2053

Re: Best MVNO for Verizon Network - any updates?

We are happy with PagePlus cellular on Verizon network.
by SpringMan
Fri Oct 19, 2018 4:04 am
Forum: Investing - Theory, News & General
Topic: Thoughts on consumer staples funds?
Replies: 9
Views: 645

Re: Thoughts on consumer staples funds?

HEDGEFUNDIE wrote:
Fri Oct 19, 2018 3:31 am
Bogleheads don’t buy sector funds.
Many Bogleheads invest in Vanguard's REIT fund.
by SpringMan
Thu Oct 04, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 5832

Re: Vanguard Balanced Index Fund Lovers?

wrongfunds wrote:
Wed Oct 03, 2018 5:25 pm
Is there an equivalent Fidelity fund?
Yes but actively managed, FBALX (Fidelity Balanced) and FPURX (Fidelity Puritan). Vanguard's Wellington is an actively managed Vanguard equivalent.
by SpringMan
Tue Oct 02, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 5031

Re: Buying a new Toyota Camry. What extra options if any?

You will have to add sales tax to get drive off prices. The combined sales tax rate for Atlanta, GA is 8.9%. This is the total of state, county and city sales tax rates. The Georgia state sales tax rate is currently 4%. The Cobb County sales tax rate is 3%. Also check out the dealerships "doc fee". ...
by SpringMan
Sun Sep 23, 2018 3:52 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3878

Re: How to get rid of rabbits

There are rodent repellent sprays that are supposed to work. The one I bought to repel chipmunks from nesting under the hood of my pickup smelled like peppermint. Of course these only work for specific spots you spray and maybe they don't work at all.
by SpringMan
Thu Sep 20, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 4022

Re: Equity allocation for Flagship clients?

50/50 here, coming from 40/60. It gives me comfort that Paul Merriman, whom is close in age and of whom I am a fan, is also 50/50.
by SpringMan
Wed Aug 15, 2018 3:48 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5377

Re: How often do you check your brokerage accounts

Hats off to those the don't peek but that does not describe me. Remember that bad news does not get better with age.
by SpringMan
Wed Aug 08, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

I recently bought a Dell XPS 8930 directly from Dell. Dell allows more user configuration than most third party sellers like B&H, Bestbuy, Officemax, etc. You can get the OS on a SSD and get a 1 TB or 2 TB secondary spinning drive. Mine had 8GB RAM and an I5 6 core processor, 256 MB M2 SSD and 1 TB ...
by SpringMan
Wed Jul 25, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: BND vs VBTLX vs VBMFX?
Replies: 5
Views: 977

Re: BND vs VBTLX vs VBMFX?

Yes. One reason is that you have anxiety attacks when making trades in BND, but not in VBTLX. Another reason is that you like to have your monthly dividends reinvested on the last trading day of the month and not at the end of the first week of the month. If you don't know which you like, then buy ...
by SpringMan
Mon Jul 02, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24313

Re: 1800 Commission-Free ETFs

Good deal. Now Vanguard should sweeten the deal for Flagship clients. 25 free trades, which I used only a few trades, now is not as much value. My vote would be bring back free TurboTax.
by SpringMan
Sat Jun 16, 2018 3:32 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 13203

Re: Which boglehead rule do you break--and are ok with

Is "don't peek" a rule? If so, I've been a huge violator. I've always believed that for some of us, it is character building and educational to stare directly into the beast of a bear market. I was 100% equities throughout my accumulation phase (probably another "rule violation") and I survived bot...
by SpringMan
Wed May 16, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 40066

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

We were in a lower bracket when we retired but once RMDs kicked in at age 70.5 that was no longer the case. I consider this a good problem to have.
by SpringMan
Wed May 16, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1977

Re: Wellesley off 3% today

Vanguard said it was incorrect and will be corrected later tonight.
by SpringMan
Wed May 16, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1977

Re: Wellington and Wellesley on May 16th

Vanguard says it is incorrect and will be updated later tonight.
by SpringMan
Wed May 16, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1977

Re: Wellesley off 3% today

My worse performing fund today VWIAX. VWENX was my second worse performing fund. No distribution is due until June.
by SpringMan
Wed May 16, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1977

Wellington and Wellesley on May 16th

My first thought was a dividend was paid but that does not appear to be the case. Wellesley is down almost 3% today. Wellington is down over 1.5%. Any explanations?
by SpringMan
Sun May 06, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Too much overlap: VTSAX, VIMAX, VSMAX
Replies: 9
Views: 1743

Re: Too much overlap: VTSAX, VIMAX, VSMAX

Small caps have historically done better so why not overweight them? I believe It is cheaper and more tax efficient to use cap weighted index funds to do so rather than buying an equal weighted fund. I stick to blend and don't overweight value though. The chart of VSMAX (small cap) and VSIAX (small ...
by SpringMan
Sun May 06, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 45
Views: 4506

Re: Long term care insurance

We don't have LTC insurance, and our plan was to die quickly after maybe a few days in the hospital. Didn't work out that way. DW had a massive stroke 13 months ago. I had the foolish notion I'd take her home and care for her myself after a few weeks in rehab. That didn't work out that way eiter. N...
by SpringMan
Tue Apr 10, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6830

Re: Retirees: Who's increasing their equities as they age?

Our 40/60 portfolio has gradually been shifting towards 50/50 because we take RMDs from bonds and invest it in Tax Managed Small Cap fund in our taxable account.
by SpringMan
Tue Apr 03, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Index Admiral Shares or ETF's??
Replies: 20
Views: 1527

Re: Index Admiral Shares or ETF's??

Generally I prefer mutual funds but there are good reasons for ETFs. Many Vanguard sector specific index funds have 100K minimums for admiral shares, their ETF shares can be purchased in any integer share amount. REITs are the exception with 10K minimums for admiral class. Perhaps another case for u...
by SpringMan
Tue Apr 03, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 6151

Re: Microsoft tech support scam - how to recover?

Of course these scammers are not really Microsoft, they usually say they are with Windows technical support implying Microsoft. I tell them how strange this is since I am using a Mac at which time they hangup. They often direct users to the event manager which normally has some errors. They often ca...
by SpringMan
Tue Mar 27, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7719

Re: Concerns with Vanguard

What was the computer glitch this morning? I had a Vanguard computer glitch this morning too, 3/27/2018. Maybe the OP's was different. Yesterday I bought a fund in our joint taxable account with what was in our settlement. The money in the settlement account was from an RMD that showed up from a sa...
by SpringMan
Tue Mar 27, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell Wellington Fund Today?
Replies: 30
Views: 4542

Re: Should I sell Wellington Fund Today?

Also Wellington fund admiral just raised their expense ratio by a whopping one basis point from .16% to .17% :o .
by SpringMan
Sun Mar 11, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 2015

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

I am taking my RMDs in quarterly installments and having tax withholding deducted from each. I was surprised by the way VBS handles state of MI. withholding. I put in 3% in the field and executed the transaction. They took out 4.5%. Why doesn't VBS validate the field upon data entry if it is not acc...
by SpringMan
Sun Mar 11, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 7794

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

Speaking of playing little games, TurboTax is guilty of that too in my opinion. I got fooled a few years ago. Here is what to watch out for with the TT Deluxe package. When filing the state using efile, don't let them pay for the efile with money from your refund. There is an extra fee for this on t...
by SpringMan
Sun Mar 04, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 5329

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

Financial advisors paid according to assets under management, AUM, may not give objective advise. Bad advise may benefit them. Questions on taking a pension or a lump sum settlement when the lump sum goes to AUM. Similarly true for any lump sum windfall. If asked should I pay down a mortgage or inve...
by SpringMan
Thu Mar 01, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How can two mutual funds have the same symbol?
Replies: 1
Views: 461

How can two mutual funds have the same symbol?

I noticed yahoo finance recognizes VEGBX, Vanguard Emerging Markets Bond fund admiral, as Van Kampen Equity Growth B. with same symbol? By the way, Morningstar finally has added VEGBX to its database as the Vanguard Emerging Markets Bond fund.
by SpringMan
Mon Feb 19, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 24
Views: 1131

Re: Understanding an ETF by it's Name

How about the Wellington and Wellesely funds? Those names don't seem to mean much at all. (Disclaimer: haven't invested in them.) They are not ETFs. Those are fine - as you said they don't mean anything. If you want to know what it means you need to crack open the prospectus. The SEC is more worrie...
by SpringMan
Mon Feb 19, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading VG Brokerage to TT
Replies: 6
Views: 447

Re: Downloading VG Brokerage to TT

I had this problem shortly after VBS posted the 1099 form on the web. I just assumed I was too early and entered the information manually. Warning, I imported my Fidelity by downloading into TT. It was successful but had me as the sole owner of a joint account. This was easy to fix manually.