Search found 1818 matches

by Angst
Wed Sep 19, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Are TIPS yields good yet?
Replies: 15
Views: 1413

Re: Are TIPS yields good yet?

5 year at 0.93%, up from 0.79% just two weeks ago. Are these numbers from the government website? Also I'm not sure how the taxes work with TIPS, did you include that? The US Treasury.gov website: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=rea...
by Angst
Wed Sep 19, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 9. Small-cap value and the "ten-fund portfolio."
Replies: 10
Views: 979

Re: Matter/scatter, part 9. Small-cap value and the "ten-fund portfolio."

International wasn’t removed from the 10 funder though. It still contains emerging. At 6% or so it shouldn’t make a huge difference, but EM is volatile! Yes, but great work Nisi. Really interesting. My wish would be to do one more comparison: Instead of removing Int'l from the 10-Fund DFA Portfolio...
by Angst
Tue Sep 18, 2018 11:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 16
Views: 1589

Re: Jack Bogle Bobblehead

I'm not sure if this one (below) was ever snapped up... If not, some of the more eager Bobblehead Bogleheads here ought to jointly purchase it and then they could rotate custody. Personally, I'd look forward to seeing the pics of how the various owners honor their visiting hero. Santa, what I want f...
by Angst
Tue Sep 18, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Simple Factor Investing
Replies: 46
Views: 4271

Re: Larry Swedroe: Simple Factor Investing

Oh ya, I had forgotten that access to the article was lost. I think Larry contacted the ETF.com people about the issue. Dave Google has a cached version of it here: https://webcache.googleusercontent.com/search?q=cache:M5P_8yIg0m8J:https://www.etf.com/sections/index-investor-corner/swedroe-simple-f...
by Angst
Wed Sep 12, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 111
Views: 7269

Re: Argument for taking social security before 70. Comments?

My calculated break even at 66 vs 70 came out to 82 yrs and 68 vs 70 breakeven was 95. So I'll probably cut the difference and retire at 67 :) My suspician is that you need to check your math, unless what you're doing simply escapes me - granted, I have not crunched any of the numbers, but what you...
by Angst
Sat Sep 01, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 206177

Re: QSPIX - thoughts on interesting fund

I want to see good data that show what "premia" returns have been historically, and I don't recall having seen that. That is what people should be expecting from QSPIX. I can easily see what stocks have done over history, both on average and in terms of SD. Same with bonds. I supposed I could do th...
by Angst
Fri Aug 31, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 206177

Re: QSPIX - thoughts on interesting fund

My expectation from alternatives like QSPIX would be bond like returns [/b] with low correlation to the stock market. When I say "bond like", I remember what you used to get from bonds in the days before the 2008-2009 financial crisis and the new normal, that is 5% to 6%. [Snip...] As has been said...
by Angst
Fri Aug 31, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 206177

Re: QSPIX - thoughts on interesting fund

My expectation from alternatives like QSPIX would be bond like returns [/b] with low correlation to the stock market. When I say "bond like", I remember what you used to get from bonds in the days before the 2008-2009 financial crisis and the new normal, that is 5% to 6%. [Snip...] As has been said...
by Angst
Fri Aug 31, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3289
Views: 994725

Re: What Book Are You Currently Reading? Part VI

Thank you VT and Fallible both for your observations. I believe the scope of Katherine Graham's book is huge compared to what "The Post" intended to cover, no fault of the movie, just fact. Graham's book is the movie I'd really love to see. For that matter, Eugene Meyer's life would even outdo Graha...
by Angst
Fri Aug 31, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 100
Views: 7338

Re: Is it time to go shorter in bonds ?

Admiral wrote:
Fri Aug 31, 2018 10:52 am
An IPS (Investment Policy Statement) outlines your asset allocation and your comfort with taking risk.
In the Wiki you can search for IPS and will find this link:
https://www.bogleheads.org/wiki/Investm ... _statement
by Angst
Fri Aug 31, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 32
Views: 2820

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

If you're looking for DFA funds, I hold the following in a Utah 529 account. They're automatically rebalanced periodically to 25% each: DGEIX DFA Global Equity Portfolio Institutional Class DFIVX DFA International Value Portfolio Institutional Class DFLVX DFA U.S. Large Cap Value Portfolio Instituti...
by Angst
Fri Aug 31, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 206177

Re: QSPIX - thoughts on interesting fund

QSPIX uses sophisticated strategies/leverage, both long and short positions, using multiple asset classes. Such a fund is expected to sometimes depart substantially from market beta as it has in this case. That departure can be in both directions, up or down. Taking a position in this fund implies ...
by Angst
Thu Aug 30, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: What do you know about LPL Financial?
Replies: 26
Views: 2404

Re: What do you know about LPL Financial?

pkcrafter wrote:
Thu Aug 30, 2018 7:05 pm
LPL Financial. Whoa!

https://topratedfirms.com/brokers/custo ... eview.aspx


Paul
Wow! Now that looks like consensus.
by Angst
Thu Aug 30, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4240

Re: Expense ratios and fees - Fidelity and flip flopping advice

The truth about what one ought to be considering when weighing choices between very low ER Index funds is already out there. It was out there before the "Zero" funds even arrived, and it's been well-covered in the several different threads that have come up since the Fidelity Zero Funds' introducti...
by Angst
Thu Aug 30, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4240

Re: Expense ratios and fees - Fidelity and flip flopping advice

What I've learned from reading Bogle's book is that fees are mostly all that matters about a mutual fund (high expense ratios and load fees should always be avoided). And the following things don't matter that much: past performance of a fund (which is is no guarantee of future performance), and 2)...
by Angst
Wed Aug 29, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3289
Views: 994725

Re: What Book Are You Currently Reading? Part VI

After watching the excellent Steven Spielberg film, The Post , some months ago, I got curious about how close it played to the real events. So I re-read Katharine Graham's book, Personal History , and then the Pentagon Papers section in the book, Ben Bradlee: A Good Life , and thought it was close ...
by Angst
Wed Aug 29, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Vanguard Investments; Low Cost
Replies: 16
Views: 1016

Re: HSA - Vanguard Investments; Low Cost

Whichever provider my employer is using. That way I save Medicare Taxes (and social security taxes which is a plus and a minus in some cases). Fortunately, my employers have always used providers that offer low cost index funds directly or thru a self directed plan. Yes, but... this is typically a ...
by Angst
Wed Aug 29, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Vanguard Investments; Low Cost
Replies: 16
Views: 1016

Re: HSA - Vanguard Investments; Low Cost

The only thing I would add to what jhfenton and others have already said above, is that almost every Boglehead HSA account holder who has yet to retire has very good reason to make it their goal to pay health expenses out-of-pocket and not from their HSA savings . The HSA account, from a tax standpo...
by Angst
Wed Aug 29, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Where's the Inflation Hedge for Short-Term TIPS?
Replies: 79
Views: 4501

Re: Where's the Inflation Hedge for Short-Term TIPS?

An Introduction to Inflation-Linked Bonds: http://www.lazardnet.com/docs/sp0/6034/AnIntroductionToInflation-LinkedBonds_LazardResearch.pdf This is the key quote: "The yield that is quoted for linkers in trading is not the regular yield to maturity, but instead is stated on a real basis. This real y...
by Angst
Fri Aug 24, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: Still astonished at how much securities lending covers some Vanguard fund costs
Replies: 17
Views: 1590

Re: Still astonished at how much securities lending covers some Vanguard fund costs

How can you serve up an ETF for securities lending (for example, VBR Vanguard SC Value) when Vanguard is at the same time serving up the underlying securities which comprise that same ETF for securities lending? Why wouldn't I be able to? Are you suggesting that people don't actually own their ETFs...
by Angst
Fri Aug 24, 2018 3:38 am
Forum: Investing - Theory, News & General
Topic: Still astonished at how much securities lending covers some Vanguard fund costs
Replies: 17
Views: 1590

Re: Still astonished at how much securities lending covers some Vanguard fund costs

I think it is easy to underestimate how much money there is in securities lending if you're not actively exposed to it yourself. I've already posted this before in a few threads.... At Interactive Brokers you can take part in securities lending, which means you can get a small feeling for the inter...
by Angst
Wed Aug 22, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 36
Views: 27461

Re: HSA account with the lowest cost: HSA bank or Vanguard?

Just shopping around for less fee'd as BOA is a $4.50 monthly fee. Vanguard is recommending below. Since this the last post was so old I'm curious what others are doing now? https://healthsavings.com/vanguard/funds/ • Administrative Fee: $45 per year. Fee deducted from the account balance. (NOTE: I...
by Angst
Tue Aug 21, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lively HSA: Which TDA fund to invest in?
Replies: 17
Views: 719

Re: Lively HSA: Which TDA fund to invest in?

But what if you have a $8k unexpected health expense? Liquidate $8k of equity funds in your HSA. Use this $8k to pay for your expense. In your 401k, trade $8k of bonds for equities. or #3 - Liquidate $8k of taxable and let the HSA go on growing tax free. If you have any CG losses to offset against ...
by Angst
Tue Aug 21, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Lively HSA: Which TDA fund to invest in?
Replies: 17
Views: 719

Re: Lively HSA: Which TDA fund to invest in?

Do you think SPTM makes more sense than a S&P500 or just TSM type of fund? Personally, for just one fund in a Lively HSA, I'd probably pick SPTM, or perhaps one of these others already mentioned by Quercus earlier in the thread. It's not a big deal really, and not a tax issue if you change it somed...
by Angst
Tue Aug 21, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Lively HSA: Which TDA fund to invest in?
Replies: 17
Views: 719

Re: Lively HSA: Which TDA fund to invest in?

Just maxed out my HSA (I'm a business owner so no worries on losing this) and am getting married in Nov. so I'll be able to add her and more funds. We're young (33, 29) and don't have many medical bills but are fortunate enough that we can pay cash for pretty much any need the HDHP. I've only used ...
by Angst
Mon Aug 20, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1046
Views: 80622

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Once someone accepts that market weights are the starting point for any plan, a more reasonable discussion can ensue about whether and how much to deviate from those weights. Suddenly, tilting from ~50/50 to 100% US seems like an extreme position, requiring a robust rational that encompasses market...
by Angst
Mon Aug 20, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 111
Views: 8852

Re: Why the Yale Endowment Hate?

[Snip...] I've been hearing index investors lambasting the Yale model recently. Where is this coming from? It's my understanding that the Yale model is a respected allocation for index investors. Is this allocation no longer any good? You're new to the website; 1 post so far, no reply from you to t...
by Angst
Thu Aug 16, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1657

Re: Poor HSA Investment Options

Lively lets you invest through TD Ameritrade's brokerage platform, including their whole list of commission free ETF's. I have my HSA in SLYV (Small Cap Value) and ITE (Intermediate Treasury). SPTM is their Total Stock Market fund. This will not be the solution for you if you strongly prefer mutual...
by Angst
Wed Aug 15, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 3289

Re: steel cut oats wash/rinse before cooking

For anyone who wants a truly amazing oatmeal experience, skip the steel cut oats, and get an oat roller to roll your own oat groats (that's what the grain is called before it is rolled or cut). Seriously, this is the best $100 I've spent, ever: https://www.amazon.com/All-Steel-Oat-Mill-Marga-Mulino...
by Angst
Tue Aug 14, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Why invest in international?
Replies: 40
Views: 9333

Re: Why invest in international?

Here's a song that explains my perspective:

https://www.youtube.com/watch?v=rZru_TywyME
by Angst
Sun Aug 12, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 60
Views: 6533

Re: The Best HSA

I suggest you might benefit from reading up more on HSA's in the Bogleheads Wiki . The majority of people discussing their HSA's in the BH website are using them exclusively as a tax-free long-term investment vehicle and paying actual health bills directly out of pocket, not out of their valuable t...
by Angst
Sun Aug 12, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 60
Views: 6533

Re: The Best HSA

I see lots of talk about moving money from HSA to Investment account, but a lot less about the opposite direction. Forgive me this noob question: If I chose to move my TD Bank (not TD Ameritrade) HSA to https://livelyme.com/ , (which seems like a good choice based on this thread), I see that I can ...
by Angst
Sun Aug 12, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for "dormancy" account
Replies: 6
Views: 526

Re: Best HSA for "dormancy" account

I would look at total costs for your “dormancy” HSA. At Lively, you will be charged $2.50 per month. Just have them zap your regular checking. Then invest 100% in a low cost etf with DRIP turned on at your Lively linked TDA brokerage account. Regards, John Yes, I think you can do this w/ Lively, an...
by Angst
Fri Aug 10, 2018 4:24 am
Forum: Investing - Theory, News & General
Topic: Contributing to HSA Provider Discussion - BAML
Replies: 3
Views: 369

Re: Contributing to HSA Provider Discussion - BAML

I was trying to pick from the many HSA providers and realized most weren't household names. Wanted to go with a recognized name . Discovered Bank of America offers their own HSA. Offers Vanguard funds, including VTWSX. $4.50/month. https://healthaccounts.bankofamerica.com/index.shtml ^Home page htt...
by Angst
Thu Aug 09, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 60
Views: 6533

Re: The Best HSA

I've had my HSA account almost as long as they've been offered and I've been with 3 different providers over the years. Every time I changed them it was an improvement, but picking a different provider involved spending a LOT of time simply reading these threads and asking a few follow-up questions ...
by Angst
Wed Aug 08, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 81
Views: 16780

HSA Bank to Lively account transfer

I've decided to transfer my HSA Bank/TDA Brokerage HSA account to Lively. [Snip...] Yes, I've read through the big Lively thread as well: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228522 It's quite long but in all I read I didn't find my questions directly addressed. Thanks in advance! P...
by Angst
Mon Aug 06, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Jim Dahle, M.D. (White Coat Investor) has a great blog post today putting all this in perspective... https://www.whitecoatinvestor.com/expense-ratios/ The article is a great synthesis of this thread. Better than this thread, more facts and no vitriol. I just read that WCI post. If by "more facts" y...
by Angst
Sun Aug 05, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Not sure if this has come up earlier in this thread, but what happens to 401k accounts that use Institutional Fido index funds. Will they switch to the zero cost fund ? That could be a pretty big hit for Fido. This has come up. :) Here's a post (below) from back in page 6 of this monster. Check out...
by Angst
Sun Aug 05, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I'm sorry, if this has been mentioned. I haven't read all 400 replies. Fidelity index funds spit out capital gains twice per year. Vanguard is more tax efficient. would you rather have fidelity zero index fund with 0 ER and capital gains twice per year or vanguard total stock admiral with 0.4% ER a...
by Angst
Sun Aug 05, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I have about $60,000 in a Vanguard taxable account, in vtsax. This is my only taxable mutual fund investment. I'm going to give it about 1 month, for Vanguard to respond. That should be enough time, don't you guys think? At that time, I'm moving this entire modest taxable account to Fidelity. 0.00%...
by Angst
Fri Aug 03, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

What is not rational is the downright FUD, hostility and and impugning of the competitors motivations without any basis in fact. Who is impugning their motivations or spreading FUD about their motivations? I'd say their motivations are very clear. Let's not kid ourselves: their motivation is to mak...
by Angst
Fri Aug 03, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Edited to add Vanguard Paper reference.... Here is the cut that Fidelity has taken from some of their funds (look at the SAI for a fund): https://i.imgur.com/sCcY3FQ.png So for Total Stock Market about 40% of the return goes to investors who take 100% of the risk. Sweet deal, I'm sure Fidelity is l...
by Angst
Fri Aug 03, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4131

Re: Time to invest in Fidelity's new zero fee funds?

I think it is best to wait and see. A lot of us are still reacting to the fee free ETF move by vanguard. Who knows what could be next? Best to wait for the dust to clear. Personally I am currently a captive fidelity customer due to 401k limitations and almost all of my assets are in FSTVX, FTIPX, a...
by Angst
Fri Aug 03, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4131

Re: Time to invest in Fidelity's new zero fee funds?

I think it is best to wait and see. A lot of us are still reacting to the fee free ETF move by vanguard. Who knows what could be next? Best to wait for the dust to clear. Personally I am currently a captive fidelity customer due to 401k limitations and almost all of my assets are in FSTVX, FTIPX, a...
by Angst
Thu Aug 02, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4131

Re: Time to invest in Fidelity's new zero fee funds?

According to what Fidelity has published, you don't need to do anything if you own one of the index funds. All the existing fund tiers (Investor, Premium, and Institutional) will be rolled into the new, lower-ER funds. It will just happen, you will see you own a different ticker than you did before...
by Angst
Thu Aug 02, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

My responses are below... Things such as the following can do and likely will continue to easily subsume a few basis points. The task is a bit more complicated than just choosing the lowest ER: Tracking Error Capital Gains Securities lending Mutual Ownership Structure Take a deep breath, maybe chan...
by Angst
Thu Aug 02, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

It’s dawning me that all this talk about the minutiae of this change reminds me of how I got mired in the devilish details before deciding on the simple three-fund portfolio. I kept trying to create the “perfect” portfolio before deciding on the “good enough” portfolio. Trying to remind myself now ...
by Angst
Thu Aug 02, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

If we liked Vanguard back when it was "cheapest," and now Acme is "cheapest," we should now like Acme better than Vanguard. Smectym We also like Vanguard (and continue to do so) because of its distribution structure and how we never see/pay taxes on LTCG distributions. You got that right! Though it...
by Angst
Wed Aug 01, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 734
Views: 69622

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

It seems what is lost in all the securities lending talk is that perhaps to compare true cost, one should look at "net ER + returned lending revenue"? If Fidelity charges 0% ER but returns 2 basis points of lending revenue to shareholders, while Vanguard charges 0.04% ER (4 basis points) and return...
by Angst
Tue Jul 31, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: What is "Vanguard select"
Replies: 7
Views: 1054

Re: What is "Vanguard select"

I have been working with someone at Vanguard for many years and I am very happy with him . I got an email from someone at Vanguard telling me I have been "chosen" to be a "vanguard select" customer and please email this person to set up a time for a call with my new "relationship adviser". To be ho...