Search found 9 matches

by Gamecock
Sat Feb 25, 2012 2:46 pm
Forum: Personal Investments
Topic: Vanguard High Yield Corporate
Replies: 22
Views: 2616

Re: Vanguard High Yield Corporate

The Vanguard Total Bond fund follows the index, which at this point in time does not include high yield (i.e. junk) and TIPS. I would expect sometime in the future possibly in the index could be altered. The high yield market is huge and should be a part of the index. TIPS are continuing to grow an...
by Gamecock
Sat Feb 25, 2012 11:10 am
Forum: Personal Investments
Topic: Vanguard High Yield Corporate
Replies: 22
Views: 2616

Re: Vanguard High Yield Corporate

pascalwager wrote:Some use VG HY in concert with TBM to produce a truer "total bond market" allocation (along with TIPS).

Rick Ferri recommends 6:2:2...TBM/HY/TIPS. He seems to be the main proponent (see online Buck's interview).
I do the same.
by Gamecock
Mon Jan 30, 2012 11:05 pm
Forum: Investing - Theory, News & General
Topic: Inflation; Total Bond Market; GNMAs; and TIPS
Replies: 18
Views: 3471

Re: Total Bond Market; GNMAs; TIPS and Inflation

Should add intl bonds to the list since vanguard is going to offer them soon.

TBM is 95% us bonds / 5% intl. Bonds.

Seem it will track the Barclays Global Aggregate ex-USD Float Adjusted Index (Hedged), but I cannot find this anywhere.
by Gamecock
Mon Jan 30, 2012 7:52 pm
Forum: Personal Investments
Topic: How much Reit is in VGTSX & VTSMX?
Replies: 3
Views: 1049

Re: How much Reit is in VGTSX & VTSMX?

I think that sounds right for US TSM according to previous postings here. Would one factor it in? If your asset allocation is intended to be TSM, then it is factored in. If you intend to regard REIT as a separate asset class and you are going to hold a REIT fund to access that class, then for preci...
by Gamecock
Mon Jan 30, 2012 5:57 pm
Forum: Personal Investments
Topic: How much Reit is in VGTSX & VTSMX?
Replies: 3
Views: 1049

How much Reit is in VGTSX & VTSMX?

Using morningstar xray looks like...

VGTSX 3.07%
VTSMX 2.98%

Is this correct? When setting up AA would you factor this in?

Thanks
by Gamecock
Tue Oct 26, 2010 12:23 pm
Forum: Personal Investments
Topic: Investing $8000 first time home owner credit?
Replies: 8
Views: 1056

I'd be nervous with only $2000 in savings. If your job situation is at all unstable, I'd tend to put the full $8k (your cap is $10k/yr since you're married) into a Roth in a stable value or very conservative bond fund to act as pseudo emergency fund. If $8k covers 6 months expenses, hold off on any...
by Gamecock
Tue Oct 26, 2010 11:49 am
Forum: Personal Investments
Topic: Investing $8000 first time home owner credit?
Replies: 8
Views: 1056

I'd be nervous with only $2000 in savings. If your job situation is at all unstable, I'd tend to put the full $8k (your cap is $10k/yr since you're married) into a Roth in a stable value or very conservative bond fund to act as pseudo emergency fund. If $8k covers 6 months expenses, hold off on any...
by Gamecock
Tue Oct 26, 2010 10:42 am
Forum: Personal Investments
Topic: Investing $8000 first time home owner credit?
Replies: 8
Views: 1056

vesalius wrote:What are the interest rates on the car and Student loans? Is the student loan subsidized?

I will likely be better off paying down one of those 2 loans with the $8000.
6% on the Car. 23 months left @ $413 a month.

Not sure on the student loans.

*Edit in my first post.
by Gamecock
Tue Oct 26, 2010 9:43 am
Forum: Personal Investments
Topic: Investing $8000 first time home owner credit?
Replies: 8
Views: 1056

Investing $8000 first time home owner credit?

Plan to retire in 40 years. My wife and I have no retirement started, she is still in school. Income $55000 Debts House $136000 @ 4.875 for 15 years($1100 a month) Brought @ $180000 Car loans ~$9000 @6% ($415 a month/23 months left) Student loans $18000 @ ?%(not paying yet... 2 years to grad) No cre...