Search found 8416 matches

by Kevin M
Tue May 23, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 22
Views: 3434

Re: Safe 5 percent ROI

Well, you can beat inflation with TIPS, but you have to take some term risk. Five-year TIPS now are just barely beating inflation, and 7-year TIPS yield is about 0.25%; I already mentioned that 30-year TIPS yield is 0.92% (and has recently been a little over 1%). Daily Treasury Real Yield Curve Rat...
by Kevin M
Mon May 22, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 22
Views: 3434

Re: Safe 5 percent ROI

There is a bank offering close to 5% for smaller amounts $20k, means [you+so] = $40k will get you roughly 4.6% once you satisfy the requirements. Ah yes, reward checking accounts (RCAs). Keep in mind though that the ones offering the highest rates usually have fairly onerous requirements, including...
by Kevin M
Sun May 21, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 22
Views: 3434

Re: Safe 5 percent ROI

Short answer: no. To determine a safe ROI, you must specify timeframe and unit of exchange. If your timeframe is one month and unit of exchange is dollars (nominal), safe ROI for institutional investors is about 0.7% (1-month Treasury), and for retail investors 1-1.3% (online savings account). For l...
by Kevin M
Sun May 21, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Barclays Online Savings account increases their interest rates
Replies: 6
Views: 1121

Re: Barclays Online Savings account increases their interest rates

Funny. My wife just mentioned this email to me today as we were driving down the Oregon coast (I had already seen it). It might be mildly exciting if the rate had jumped to 1.25-1.30%, which is the new benchmark for top-tier savings account rates. Many banks have been at 1.05% for awhile--even Ally ...
by Kevin M
Sun May 21, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve and the Next Stock Market Correction
Replies: 36
Views: 3080

Re: Yield Curve and the Next Stock Market Correction

(I spent a little time trying to get the FRED charts to show some kind of price change instead of yield but couldn't figure how to do it without downloading the data and using a spreadsheet. That wouldn't be too hard but I haven't done it.) Yeah, just looking at yield changes doesn't do you much go...
by Kevin M
Sun May 21, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve and the Next Stock Market Correction
Replies: 36
Views: 3080

Re: Yield Curve and the Next Stock Market Correction

That said if I could get the stock market on the chart it wold be interesting. I don't use FRED for equities but if there is a metric available it might be interesting to add to the chart. One might have to scale it but that can be done. FRED has a variety of stock market indexes. Here I've added o...
by Kevin M
Thu May 18, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement Fund ... am I missing something?
Replies: 2
Views: 445

Re: Settlement Fund ... am I missing something?

No difference. There's not much reason to keep anything in the settlement fund if you're just buying mutual fund shares. EDIT: In years past you could not do same-day Vanguard mutual fund transactions at Vanguard from a linked bank account, but a few years ago they changed that, and so now you can. ...
by Kevin M
Thu May 18, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market Index Fund Admiral Shares
Replies: 3
Views: 566

Re: Vanguard Total Bond Market Index Fund Admiral Shares

It depends what you mean by "kick out". Since no distributions are required from a Roth IRA (other than inherited), nothing needs to be kicked out of the Roth IRA at all until you die, at which points your beneficiaries will need to start taking RMDs. If by "kicked out" you mean ...
by Kevin M
Mon May 15, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

Why is the CD in an IRA? I hold CDs in both taxable and IRAs. Although I understand the "bonds go in taxable" arguments (and often provide links to the blog posts that support this view), I continue to hold all stocks but REITs in taxable. With the tax-loss harvesting I did subsequent to ...
by Kevin M
Mon May 15, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

But it doesn't do me any good. I'm not eligible to join. :annoyed PenFed is a credit union that's in the "easy membership" category, since anyone can join. The "failsafe" method is to join one of two organizations for a small, one-time membership fee. Then you select "I bel...
by Kevin M
Mon May 15, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

I can't find "Exceptions. The penalties described above will not be applied" on the website. It's referenced several places. Individual Retirement Accounts (IRA) Overview - PenFed . In the Details and Disclosures section at bottom of page, scroll down and you'll see: *Partial withdrawals ...
by Kevin M
Sun May 14, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

If the Pen Fed CD under discussion really has a zero EWP then maybe a zero duration is a reasonable idea but: Early Withdrawal Penalties. <snip> I think you must have missed the main point of this thread. Did you read the OP? In about the fourth reply I confirmed that protagonist's understanding wa...
by Kevin M
Sun May 14, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

First, we are discussing yields, not coupon rates, so the coupon rate on your TIPS or any other bond is irrelevant. Second, it makes more sense to compare CD APYs to yields on nominal Treasuries, rather than to real yields on TIPS. Of course it is irrelevant. It is also irrelevant that you bought a...
by Kevin M
Sun May 14, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: LMP-3: Roll your own pension- Build a tips ladder!
Replies: 38
Views: 3487

Re: LMP-3: Roll your own pension- Build a tips ladder!

Re the placement question, I guess maybe Ibonds? Open to corrections, but you'll probably come out better with a 30-year TIPS at 1% real in taxable than an I Bond at 0% real tax deferred. For example, assuming a constant tax rate of 25% and 2% average inflation, $10K in the TIPS in taxable grows to...
by Kevin M
Sat May 13, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

You left out an important qualifier about "a T-note", which is the duration. The 7-year CD we're discussing has a duration of 0 years in the context we're considering. If you only consider that interest rates have nowhere to go but up you can think about it that way. But if interest rates...
by Kevin M
Sat May 13, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

<snip> but I can't think of any reasonable and widely applicable set of assumptions that a CD paying less than a T-note is better. You left out an important qualifier about "a T-note", which is the duration. The 7-year CD we're discussing has a duration of 0 years in the context we're con...
by Kevin M
Sat May 13, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: LMP-3: Roll your own pension- Build a tips ladder!
Replies: 38
Views: 3487

Re: LMP-3: Roll your own pension- Build a tips ladder!

#Cruncher, thanks for the insight into difficulties of tax reporting for TIPS. So the question remains whether it makes sense to hold I Bonds at 0% real for 30 years when you can buy a 30-year TIPS at about 1% real. If I wanted a 30-year real-return security, I'd make space in my IRAs for TIPS. Even...
by Kevin M
Sat May 13, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: What happens to BND (Total Bond Index) during a downturn
Replies: 43
Views: 3295

Re: What happens to BND (Total Bond Index) during a downturn

Thanks Kevin - I mean to say that it seems that funds (generally) are less stable than individual bonds. In short, you'd get the same interest from most bonds regardless of price or yield, correct? A bond fund is much more like a rolling bond ladder than a single individual bond. Maybe reading this...
by Kevin M
Fri May 12, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: What happens to BND (Total Bond Index) during a downturn
Replies: 43
Views: 3295

Re: What happens to BND (Total Bond Index) during a downturn

Thanks Kevin - really appreciate the explanation. Just looked at a graph of total bond from 1980 to present and looks like the price fluctuated between $9 and $11, which doesn't seem like much, and would wildly lose out to inflation. Should I be looking at a different data set? I wouldn't focus too...
by Kevin M
Fri May 12, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: What happens to BND (Total Bond Index) during a downturn
Replies: 43
Views: 3295

Re: What happens to BND (Total Bond Index) during a downturn

So studying this graph, Vanguard Total Bond annualized return appears to be much less stable than normally held bond funds. This is not correct. The stability of returns is inversely proportional to the duration of the fund. Shorter-term bond fund returns are more stable than longer-term bond fund ...
by Kevin M
Fri May 12, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: What happens to BND (Total Bond Index) during a downturn
Replies: 43
Views: 3295

Re: What happens to BND (Total Bond Index) during a downturn

There are two components of total return for any bond fund, whether it's BND/VBMFX or any other bond fund. Vanguard refers to them as capital return and income return. Capital return comes from change in share price plus capital gain distributions. Income return comes from dividends. You can see the...
by Kevin M
Fri May 12, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

I find it useful to think about CDs in terms of dollars instead of a percentage. 2% of $1,000 is $20 a year. Post-tax it's ~$12. A year. I'd say take the greater flexibility. It's not that expensive in absolute terms. Many of us in the direct CD game are investing a lot more than $1,000. If you sca...
by Kevin M
Fri May 12, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

Penfed is offering a 7 yr IRA Certificate at 2.12% APY. The current yield on the 7 year US Treasury is 2.20%. No EWP and both the principle and the interest are guaranteed not just the principle. Minimum $1000 at most brokers and less at Treasury direct. https://www.treasury.gov/resource-center/dat...
by Kevin M
Fri May 12, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: LMP-3: Roll your own pension- Build a tips ladder!
Replies: 38
Views: 3487

Re: LMP-3: Roll your own pension- Build a tips ladder!

:greedy Open to corrections, but you'll probably come out better with a 30-year TIPS at 1% real in taxable than an I Bond at 0% real tax deferred. Your calculations are good, Kevin. :thumbsup But I would still dread the prospect of the tax accounting for up to 30 individual TIPS held in a taxable ac...
by Kevin M
Thu May 11, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: LMP-3: Roll your own pension- Build a tips ladder!
Replies: 38
Views: 3487

Re: LMP-3: Roll your own pension- Build a tips ladder!

Re the placement question, I guess maybe Ibonds? Open to corrections, but you'll probably come out better with a 30-year TIPS at 1% real in taxable than an I Bond at 0% real tax deferred. For example, assuming a constant tax rate of 25% and 2% average inflation, $10K in the TIPS in taxable grows to...
by Kevin M
Thu May 11, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?
Replies: 18
Views: 1330

Re: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?

Item 1 in my post is saying that maybe things are not quite so simple, if when you take your RMD you end up with more income than you spend. It means that you cannot let the leftovers grow tax free as they would in the Roth. Instead the leftovers have to be invested in taxable. So you are worse off...
by Kevin M
Thu May 11, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 40
Views: 5475

Re: How inefficient is it to hold Total Bond Index in a taxable account?

And if there is a 50% drop in your home's equity, you've lost that money regardless as to your mortgage balance; the two are independent. Now that could certainly impact how much liquid assets you have access to, but the value is lost regardless. I think people wanting to limit their equity in case...
by Kevin M
Thu May 11, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?
Replies: 18
Views: 1330

Re: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?

That said, after controlling for costs (ER) and tax-adjusted risk, the fact that tax-deferred accounts have RMDs and Roth IRAs don't (during your lifetime) can justify the preference for placing more of RiskyAsset in a Roth. For example, I'm still scratching my head over this one. At first blush, t...
by Kevin M
Thu May 11, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?
Replies: 18
Views: 1330

Re: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?

For me, Roth is only about 3% of my overall invested assets and will only decrease percentage wise, so I don't view this as having a meaningful impact in my situation <snip> That's valid, and is my situation as well (although my Roth space is much smaller--a fraction of a percent of portfolio). But...
by Kevin M
Thu May 11, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

When the rep. read the rules to me, my recollection is that she used the word "withdrawal", not "distribution". But does it matter? If you take a "distribution", can't you just roll it over into another IRA account within , I believe, 30 days without paying a penalty t...
by Kevin M
Thu May 11, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?
Replies: 18
Views: 1330

Re: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?

To be clear, I am not adjusting my asset allocation. I'm just trying to determine what is held where. Did you read the Wiki article I linked? The thing is that you should look at your AA on an after-tax basis, since it's after-tax dollars that you spend, and if you do so, you are changing your asse...
by Kevin M
Wed May 10, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?
Replies: 18
Views: 1330

Re: Bonds and RE in Tax Advantaged Accounts - Does it Matter What is Held Where?

Does it matter in which accounts I hold my REIT or bond funds (i.e. is there any reason REIT index would be better held in 401k vs Roth vs Traditional)? Put bonds in pre-tax and save your Roth account for assets with higher expected growth. REITs might qualify, but so do your other stock funds. Tha...
by Kevin M
Wed May 10, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Twin funds for RMDs: one fund in IRA and the other fund in Taxable account?
Replies: 4
Views: 420

Re: Twin funds for RMDs: one fund in IRA and the other fund in Taxable account?

Agree with grabiner, basically. I just made this point in another thread earlier today. Only caveat is that if this is a tax-deferred account (i.e., not a Roth), you only own a portion of it. For example, in the 25% tax bracket, you only own 75% of the tax-deferred account. When you take the RMD, 25...
by Kevin M
Wed May 10, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield
Replies: 33
Views: 2188

Re: Penfed IRA Certificates for 59.5+ y o vs. other IRA CDs with better yield

Without doing any analysis, I'd say I'd go for 2.5% on a 5-year with EWP of six months of interest in preference to the PenFed CD. You'd earn about the same as the PenFed CD in doing an early withdrawal after three years, and after that you'd pull ahead. CD Early Withdrawal Penalty Calculator . I've...
by Kevin M
Wed May 10, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 21
Views: 1586

Re: Brokered Recommended CD - good option?

If you are able to qualify for membership, Patelco CU is offering a 5-year 2.75% CD with an EWP of six months of interest. Kevin Finally was able to synchronize a visit to the nearest branch office with my wife and get one of these CDs. FWIW, the branch was barely furnished and in a dying strip mal...
by Kevin M
Wed May 10, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA - liquidate before or after transfer?
Replies: 24
Views: 1431

Re: Inherited IRA - liquidate before or after transfer?

Thanks Alan. I wasn't aware of option #1 (separate accounting in original IRA)--as you say, it's rare. Vanguard did #2 in our situation. At Schwab they also did #2, but I followed up with #3 by transferring to my inherited IRA at Vanguard (but I didn't do the RMD part, since one of my siblings took ...
by Kevin M
Tue May 09, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA - liquidate before or after transfer?
Replies: 24
Views: 1431

Re: Inherited IRA - liquidate before or after transfer?

Note that if your Dad passed after his RBD and did not complete his RMD for that year, then the beneficiaries are responsible for completing his RMD amount. This can be done either before or after the transfer into separate inherited IRA accounts, and can be completed in any combination by the bene...
by Kevin M
Tue May 09, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited trust/personal asset allocations
Replies: 15
Views: 1127

Re: Inherited trust/personal asset allocations

I treat my inherited assets, whether in an IRA or not, as part of my single portfolio. My ability, willingness and need to take risk have nothing to do with the asset location, assuming I properly adjust my AA for taxes if necessary. An exception might be if you had a shorter-term goal, like a house...
by Kevin M
Tue May 09, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA - liquidate before or after transfer?
Replies: 24
Views: 1431

Re: Inherited IRA - liquidate before or after transfer?

Have you discussed this with the current IRA custodian? For the IRA my siblings and I inherited from my dad at Vanguard, the assets were divided and distributed to the inherited IRAs. There were a few that couldn't be divided equally, so the Vanguard rep came up with a proposal that seemed equitable...
by Kevin M
Tue May 09, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs. VBTLX- I need some insight
Replies: 6
Views: 543

Re: VBILX vs. VBTLX- I need some insight

Thank you Nisiprius and Kevin!! To answer your question, Kevin, this is my only bond holding and don't plan to purchase any more as I'm of the Lazy Portfolio Mindset. I would like to increase my percentage of my bond holding as I age to minimize risk and want to make sure this is the one to do that...
by Kevin M
Tue May 09, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: investment allocation advice
Replies: 2
Views: 455

Re: investment allocation advice

What is your target asset allocation? How do your current holdings match your target AA? You have a bunch of funds in a bunch of accounts, and have provided only ticker symbols for the funds (I'm familiar with many of them, but not all of them, so would have to look some of them up). I think most of...
by Kevin M
Tue May 09, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs. VBTLX- I need some insight
Replies: 6
Views: 543

Re: VBILX vs. VBTLX- I need some insight

VBILX is a little riskier than VBTLX, and the risk has paid off in recent years, which is why you see the better performance. You can look at the risk and return metrics using Portfolio Visualizer; I use the investor shares versions, VBIIX and VBMFX, because you can look at more history this way. Ba...
by Kevin M
Tue May 09, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund choice help?
Replies: 16
Views: 1238

Re: Bond fund choice help?

Given your replies so far, it's clear that you'll need to use one of the fixed-income alternatives in the 401k for now to get to your desired 80/20 AA. Does your plan include a stable value fund? Many 401k plans include a stable value fund, and this sometimes is the best fixed-income choice, offerin...
by Kevin M
Mon May 08, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund choice help?
Replies: 16
Views: 1238

Re: Bond fund choice help?

Does the employer offer a matching contribution? If not, you might be better off putting up to $5,500 of your annual retirement contributions into an IRA (traditional or Roth, depending on your situation) in preference to the 401k. This would open up the opportunity to use a better bond fund for at ...
by Kevin M
Mon May 08, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: No losses to offset capital gains!
Replies: 14
Views: 1064

Re: No losses to offset capital gains!

For the future you could put a muni fund in taxable and lower your other bonds in tax-deferred, in order to not have significant cap gains the next time you need to make a significant purchase. You could even "switch" bonds from tax-advantaged to taxable now, and possibly be able to harve...
by Kevin M
Mon May 08, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Performance summary - Vanguard
Replies: 1
Views: 425

Re: Performance summary - Vanguard

If you're talking about the Personal performance tool, you need to have at least a year of history to get the rate of return. Also, if you select a custom period no rate of return is displayed. I find this strange, since they're just doing an IRR calculation, which can be done for less than one year...
by Kevin M
Mon May 08, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard S&P Small-Cap 600 Value ETF (VIOV) not listed in ETF lineup?
Replies: 9
Views: 718

Re: Why is Vanguard S&P Small-Cap 600 Value ETF (VIOV) not listed in ETF lineup?

Consistent with the intention, you also see these other ETFs on Vanguard's institutional investors and advisor's websites.

Kevin
by Kevin M
Sat May 06, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Why should this chart not scare me from investing?
Replies: 20
Views: 1501

Re: Why should this chart not scare me from investing?

Yes, dividends were left out, but 1966-1982 was indeed a very bad 17-year period for stocks, with a cumulative real return of about 0%. This is using our backtest spreadsheet data for US stocks (as you could own today with Vanguard Total Stock Market Index). The period 1965-1981 was even worse, with...
by Kevin M
Sat May 06, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1215

Re: Vanguard CSV file of fund performance history

I tested this using the distribution data from Vanguard since 12/2015, and the calculated returns are within one basis point of the total return data from PV. R = (P2 + D)/P1 -1 where R is total return for month 2, P2 and P1 are the month-end prices for month 2 and month 1, and D is the distributio...
by Kevin M
Fri May 05, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CSV file of fund performance history
Replies: 16
Views: 1215

Re: Vanguard CSV file of fund performance history

Anyway to get the distributions since inception? Not as far as I know. I mentioned a way to do it in the reply immediately before yours. Get total return data from Portfolio Visualizer, and get price data from Vanguard. Calculate monthly price return. Subtract price return from total return to get ...

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