Search found 23 matches

by cryptormorf
Sun Feb 03, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle And The Three-Fund Portfolio By Grandma Sylvia
Replies: 5
Views: 1264

Re: John Bogle And The Three-Fund Portfolio By Grandma Sylvia

Bogleheads: "Grandma Sylvia" is featuring "John Bogle" and "The-Three-Fund Portfolio. Enjoy: https://grandmasinvestingforbeginners.blog/ Best wishes. Taylor Thanks for posting! One note from the article: Bogle has indicated his non-retirement portfolio had an asset allocation of 80% bonds and 20% s...
by cryptormorf
Tue Jan 22, 2019 9:59 am
Forum: Forum Issues and Administration
Topic: Forum login problems
Replies: 19
Views: 1501

Re: Forum login problems

+1 Had the same issue last night with different browsers. After clicking "Login", the browser would display a blank page: "ucp.php?mode=login" and not set the auth cookie.
by cryptormorf
Mon Jan 21, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2655
Views: 1733026

Re: The Three-Fund Portfolio

In a few Jack Bogle interviews that I heard from 2018, he said that he had a problem with the Total Bond Index fund because its treasury allocation was too high. He said the he prefers (and uses) the slightly riskier and higher yielding Vanguard Intermediate-Term Bond Index Fund because it holds mor...
by cryptormorf
Sat Jan 19, 2019 10:34 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 128
Views: 9805

Re: What does 20% extra of portfolio allocated to equities get you?

The math clearly shows that 70/30 is pretty much the optimal AA. The only question is if you can handle the swings or not mentally. And before discounding 1 or 2% being minor do the math on what having 20% more money does when you hit retirement age. Compare the safety of 4% to 3.3%. What math are ...
by cryptormorf
Fri Jan 18, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 11468

Re: Is the security check website "Have I Been Pwned?" legit?

100% legit and a fantastic resource. Troy Hunt (owner) is a very well-regarded security expert, very active in the development community, and recently testified before the US Congress about data breaches. More info if you're interested: https://www.troyhunt.com/heres-what-im-telling-us-congress-abou...
by cryptormorf
Wed Jan 16, 2019 10:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57935

Re: John Bogle has died at age 89

Godspeed, sir.
by cryptormorf
Thu Dec 27, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: ACH Tx directly from funds in settlement account vs mutual fund sale
Replies: 1
Views: 310

Re: ACH Tx directly from funds in settlement account vs mutual fund sale

Answering the question in case some else stumbles on it and finds it helpful. First, the question itself is technically incorrect because it assumes that the settlement account (Federal Money Market) is fundamentally different than a mutual fund like Treasury Money Market/VUSXX. The settlement accou...
by cryptormorf
Thu Dec 27, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4557

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

Right. I would also add the $50k is an initial minimum; $1 will keep the fund active afterwards. It is also a lower risk fund than Prime MM as it’s 100% US Gov obligation. This is actually something I have been wanting to verify for a while. Has anyone allowed the VUSXX balance to stay below the $5...
by cryptormorf
Wed Dec 26, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4557

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

The information for 2017 is available at https://personal.vanguard.com/pdf/USGO_022018.pdf.

The information for 2018 is not yet available, but I have found the that prior year values are generally close enough for estimation purposes.
by cryptormorf
Sat Dec 22, 2018 3:59 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 6025

Re: what to do with cash if very risk averse?

Thank you Kevin, that's very helpful.
by cryptormorf
Sat Dec 22, 2018 1:10 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 6025

Re: what to do with cash if very risk averse?

Normally I wouldn't mess around with something with a maturity as short as 20 days, but the yield on the Treasury I bought was unusually high that day, so I bought it. I probably will roll it into something a bit longer term when it matures. Kevin For an investor who is willing to take on a some te...
by cryptormorf
Sat Dec 22, 2018 11:47 am
Forum: Personal Investments
Topic: TLH right after dividend payments
Replies: 9
Views: 688

Re: TLH right after dividend payments

Thank you, livesoft. As far as this caveat is concerned: It is also possible that some of the shares that paid a dividend will not be held for 61 days since you bought them in October and you might sell them next week. If so, then any qualified part of the dividend will not meet a personal holding p...
by cryptormorf
Sat Dec 22, 2018 11:19 am
Forum: Personal Investments
Topic: TLH right after dividend payments
Replies: 9
Views: 688

Re: TLH right after dividend payments

If you sell the shares purchased overnight in your taxable account, then the wash created by their purchase will be "undone" and you will not lose any deduction for that. I have a similar scenario with VTSAX (VANGUARD TOTAL STOCK MARKET). Shares were purchased via dividend re-investment on 2018 DEC...
by cryptormorf
Fri Dec 21, 2018 6:29 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 6025

Re: what to do with cash if very risk averse?

Treasury MM could be better if you pay state income tax, as it is exempt from the latter. For example, at my state tax rate of 8% (and Fed 27%), Treasury MM at 2.25% is a taxable-equivalent yield (TEY) for me of 2.53%. This now is higher than a local savings account I have at 2.50%, so Treasury MM ...
by cryptormorf
Fri Dec 21, 2018 12:17 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 6025

Re: what to do with cash if very risk averse?

Treasury MM could be better if you pay state income tax, as it is exempt from the latter. For example, at my state tax rate of 8% (and Fed 27%), Treasury MM at 2.25% is a taxable-equivalent yield (TEY) for me of 2.53%. This now is higher than a local savings account I have at 2.50%, so Treasury MM ...
by cryptormorf
Wed Dec 19, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: ACH Tx directly from funds in settlement account vs mutual fund sale
Replies: 1
Views: 310

ACH Tx directly from funds in settlement account vs mutual fund sale

I am planning on using either the brokerage settlement account (Federal Money Market) or VUSXX (Treasury Money Market) as Tier-2 savings account and then transferring funds at the end of the month (or as needed) to my linked checking account. Is there an effective difference in ACH execution time fo...
by cryptormorf
Tue Dec 18, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 33
Views: 4349

Re: Vanguard mobile check deposit

A few questions for those of you who might know: Do you have to have VanguardAdvantage account to use mobile check investment? What is the point of mobile check investment if this limitation as in place? Wouldn't almost all customers have a brokerage account with both a settlement fund and mutual fu...
by cryptormorf
Sun Dec 09, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1885

Re: Christine Benz next podcast guest

Would love for her to tell some anecdotes (without naming names to protect the innocent!) about her favorite and least favorite/challenging interviews over the years.

Thank you for doing this podcast.
by cryptormorf
Mon Nov 26, 2018 12:31 am
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Nov 25) Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade
Replies: 21
Views: 2115

Re: SITE OFFLINE Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade

LadyGeek wrote:
Sun Nov 25, 2018 5:23 pm
We're back, the forum software (phpBB) is now at version 3.2.4.
Thanks for taking time out of your holiday weekend to do the upgrade. :sharebeer
by cryptormorf
Sun Nov 25, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 23834

Re: What is your allocation to U.S. and International?

70% Total Stock Market
30% Total Bond Market

0% international

(Will be shifting to 80/20 over the next year)
by cryptormorf
Sun Nov 04, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20353

Re: Vanguard website "unavailable during weekend of Nov 3"

I was able to login this morning as well and everything appears to be working. My device was initially not recognized so I had to enter a new code. I'm not seeing any changes other than the page load times seem faster, but that could just be reduced load on a weekend. However, the issue with buying/...
by cryptormorf
Fri Oct 26, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20353

Re: Vanguard website "unavailable during weekend of Nov 3"

+1 Unable to proceed with a fund order after selecting the mutual fund from the autocomplete/lookup when using Google Chrome. The autocomplete adds a white space (a tab character) to the end of the fund description, which causes the input validation to fail and does not allow you to continue. I sent...
by cryptormorf
Thu Oct 25, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2655
Views: 1733026

Re: The Three-Fund Portfolio

For the fixed income allocation portion, what is the case for Total Bond Market (BND) vs 20+ Yr Treasury bonds (TLT)? I understand the fallacies and risks of back-testing, but tests of 3-fund or even 2-fund portfolios with TLT vs BND over various time periods show a 1.5+ CAGR advantage for TLT with ...