Bogleheads.org

SpringMan

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...

SpringMan

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...

SpringMan

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.

SpringMan

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.

SpringMan

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...

SpringMan

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.

SpringMan

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.

SpringMan

Of course ETFs will change during the business day but not on Saturday. The discrepancies I noticed where in some Vanguard mutual funds.

SpringMan

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.

SpringMan

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.

SpringMan

VTMFX is 50/50 stocks to bonds, VBIAX is 60/40. and VWELX is roughly 65/35 so what you say makes sense.

SpringMan

VLCAX, Vanguard's Large Cap Index, is also a good TLH partner for VTSAX though ER is .05% vs .04% for VFIAX.

SpringMan

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.

SpringMan

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.

SpringMan

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.

SpringMan

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...

SpringMan

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...

SpringMan

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...

SpringMan

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 ...

SpringMan

Investor class shares will still be used in fund of funds like they are currently used today.

SpringMan

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.

SpringMan

We are happy with PagePlus cellular on Verizon network.

SpringMan

HEDGEFUNDIE wrote: ↑
Fri Oct 19, 2018 3:31 am
Bogleheads don’t buy sector funds.

Many Bogleheads invest in Vanguard's REIT fund.

SpringMan

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.

SpringMan

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". ...

SpringMan

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.

SpringMan

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.

SpringMan

Hats off to those the don't peek but that does not describe me. Remember that bad news does not get better with age.

SpringMan

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 ...

SpringMan

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 ...

SpringMan

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.

SpringMan

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...

SpringMan

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.

SpringMan

Vanguard said it was incorrect and will be corrected later tonight.

SpringMan

Vanguard says it is incorrect and will be updated later tonight.

SpringMan

My worse performing fund today VWIAX. VWENX was my second worse performing fund. No distribution is due until June.

SpringMan

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?

SpringMan

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 ...

SpringMan

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...

SpringMan

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.

SpringMan

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...

SpringMan

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...

SpringMan

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...

SpringMan

Also Wellington fund admiral just raised their expense ratio by a whopping one basis point from .16% to .17%

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SpringMan

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...

SpringMan

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...

SpringMan

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...

SpringMan

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.

SpringMan

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...

SpringMan

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.

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