Search found 1792 matches

by Angst
Thu Aug 16, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1538

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
Thu Aug 16, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 83
Views: 6055

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
Wed Aug 15, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 3112

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: 8828

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: 5969

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: 5969

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: 481

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: 345

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: 5969

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: 15853

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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: 2945

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: 2945

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: 2945

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 649
Views: 55743

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: 1022

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...
by Angst
Mon Jul 30, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 61
Views: 5603

Re: Vanguard Precious Metals and Mining Fund is changing

Additionally if not mentioned Vanguard Emerging Markets Select Stock Fund Vanguard Emerging Markets Select Stock Fund (VMMSX) will add Baillie Gifford Overseas Ltd. (Baillie Gifford) as an investment advisor. On or about July 27, 2018, M&G Investment Management Limited will no longer advise the fun...
by Angst
Mon Jul 30, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: 1 year treasuries @ 2.4% instead of bond funds?
Replies: 32
Views: 3597

Re: 1 year treasuries @ 2.4% instead of bond funds?

I like your comment below: Diversification is the reason. Not credit risk diversification (because the US Treasury is the gold standard worldwide in terms of creditworthiness), but diversification of interest rate risk. But perhaps, not your qualified conclusion: This is not to say you should put 10...
by Angst
Fri Jul 27, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 3112

Re: steel cut oats wash/rinse before cooking

I have got prairie mills 25lb steal cut oats bag from Sam's club recently. Should I wash/rinse them before cooking? Thanks. It's never occurred to me to wash steel cut oats before cooking, let alone whole oat groats. Washing rolled oats of course would be silly. My little Whole Foods guide to bulk ...
by Angst
Thu Jul 26, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options - potentially adding brokerage link to 401(k)?
Replies: 6
Views: 743

Re: Is it worth turning on the SDO in my 401(k)?

Yes, I like the idea of a small cap tilt. I originally did growth (because that is what my 401(k) offered), but from what I've read it sounds like value or blend is the "less risky" alternative. I didn't think about doing the same tilt in international...I need to decide if I am that brave :) I hav...
by Angst
Thu Jul 26, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: keep cash in after-tax for bridge to Social Security ?
Replies: 32
Views: 2717

Re: keep cash in after-tax for bridge to Social Security ?

Look at your portfolio in its entirety:
If you need money, sell equity in taxable and simultaneously use "cash" in tax-deferred to buy back equity.
by Angst
Thu Jul 26, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options - potentially adding brokerage link to 401(k)?
Replies: 6
Views: 743

Re: Is it worth turning on the SDO in my 401(k)?

Based on OP's projected savings, it will take a couple years to get to where 15% of portfolio can be Roth or taxable. I would look at the 401k total ER as currently configured and the ER of the new portfolio using SDO. An SDO admin fee of $75 annually on a portfolio of $500k would be an expense of ...
by Angst
Thu Jul 26, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3024

Re: If financial markets shut down, temporarily...

Diversification: - Treasury Direct . Hold something there. Like Vanguard, etc., TD can transfer to your local bank, however, when "the markets" are frozen, "the Treasury" might be open, or might open before anything else does. - Do not direct deposit your entire paycheck at Vanguard: Have some porti...
by Angst
Thu Jul 26, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Investment Options - potentially adding brokerage link to 401(k)?
Replies: 6
Views: 743

Re: Is it worth turning on the SDO in my 401(k)?

99% of my retirement savings are in my 401(k) - mid 6 figures. Age 48. My current allocation (all Vanguard and all the typical ER) is: 45% total stock market 5% small cap growth 25% total bonds 25% developed markets (intl) I would try to keep things fairly simple. If the above funds in your 401(k) ...
by Angst
Wed Jul 25, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Have Treasury Bills Provided Inflation Protection?
Replies: 6
Views: 577

Re: Have Short-term Bonds Provided Inflation Protection?

It wasn't Treasury bills, but it was pretty noticeable in the double-digit-inflation era of the 1970s that bank accounts were not keeping up with inflation. We fell behind while inflation was rising. Then we got some of it back at the other end: my wife had bought some CD's for the kids' college fu...
by Angst
Mon Jul 23, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Inflation — Perspectives from Two Centuries, 1800-2016
Replies: 33
Views: 3160

Re: Inflation — Perspectives from Two Centuries, 1800-2016

Why should investors care about inflation over the past 200 years? [Snip...] https://i.imgur.com/N1eTxgo.jpg Source: Brendin & Fountas We also have data on historical inflation rates from other developed markets back to 1870 (chart below). Purposely excluded here are countries that experienced hype...
by Angst
Fri Jul 20, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 81
Views: 15853

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I've decided to transfer my HSA Bank/TDA Brokerage HSA account to Lively. - Have people been assessed an exit fee by HSA Bank? - I gather that I should first go through the process of setting up the account at Lively, get my bank setup with them too and then after getting all that done, email Livel...
by Angst
Fri Jul 20, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 549

Re: Somewhat odd HSA question

B4Xt3r wrote:
Fri Jul 20, 2018 12:51 pm
She actually maxed it out. That said, it seems that we cannot max my new one out for the rest of the year. Thanks.

It would seem to me that not only can't you "max my new one out for the rest of the year", neither can you contribute anything at all to it. :D
by Angst
Fri Jul 20, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 81
Views: 15853

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I've decided to transfer my HSA Bank/TDA Brokerage HSA account to Lively. - Have people been assessed an exit fee by HSA Bank? - I gather that I should first go through the process of setting up the account at Lively, get my bank setup with them too and then after getting all that done, email Lively...
by Angst
Fri Jul 20, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: unripe fruit on a branch that has fallen off the tree
Replies: 7
Views: 917

Re: unripe fruit on a branch that has fallen off the tree

I don't know, but I would have taken the branch and put it into a bucket of water. They graft fruit trees all the time so perhaps it might have done alright in water, at least long enough perhaps to eventually ripen some fruit? Like I said, I dunno but it would have been fun to try.
by Angst
Fri Jul 20, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: 10 Year Tips auction
Replies: 11
Views: 913

Re: 10 Year Tips auction

Do you think the coupon with be .75%? Yes coupon is 0.75%. As it was a reopening auction this was known in advance. No grok, this was a new auction. 10 yr TIPS currently auction as new issues in Jan and July and have auction reopenings on the subsequent odd-numbered months. The 0.75% (3/4%) interes...
by Angst
Wed Jul 18, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Help me understand TIPS.
Replies: 64
Views: 4471

Re: Help me understand TIPs.

I have a hard time recommending TIPS. Risk and return are linked and this is one of the safest investments out there. The only case where they would beat normal treasuries are in a situation where inflation increased unexpectedly. I'm pretty much just amusing myself here with semantics, but I'm sur...
by Angst
Wed Jul 18, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: 10 Year Tips auction
Replies: 11
Views: 913

Re: 10 Year Tips auction

The 5 year is just a few basis points less in yield? https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldYear&year=2018 As you can see, the yield curve is fairly flat right now. Only 10 BP between the 10yr and the 30yr. I think I know which on...
by Angst
Wed Jul 18, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: 10 Year Tips auction
Replies: 11
Views: 913

Re: 10 Year Tips auction

I'm in. I was for the January issue as well.
by Angst
Wed Jul 18, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Help me understand TIPS.
Replies: 64
Views: 4471

Re: Help me understand TIPs.

I'm pretty much just amusing myself here with semantics, but I'm sure you'd agree that when it comes to funding a real (not nominal) LMP, you can't beat TIPS. Well perhaps so, however I have no clue what a LMP is. Sorry. "Liability Matching Portfolio" Here's a thread grok put together that explains...
by Angst
Wed Jul 18, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Help me understand TIPS.
Replies: 64
Views: 4471

Re: Help me understand TIPs.

I have a hard time recommending TIPS. Risk and return are linked and this is one of the safest investments out there. The only case where they would beat normal treasuries are in a situation where inflation increased unexpectedly. I'm pretty much just amusing myself here with semantics, but I'm sur...
by Angst
Wed Jul 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Beginner Kayaks
Replies: 5
Views: 375

Re: Beginner Kayaks

As I think everyone above has already pointed out, the kind of boating you're planning on doing matters a lot. A real lot! You want to end up with the right kind of boat. And what's with all the newbie BH kayak threads these days?! Here's another one from just a day or two ago: kayaking! , and my re...
by Angst
Mon Jul 16, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: kayaking!
Replies: 17
Views: 1515

Re: kayaking!

Welcome... kinda odd though, your first and only post so far and it's about kayaking? Go figure. Anyhow, I used to kayak quite a bit and from my perspective, it's important for a newbie to understand that whatever organization you might end up in contact with, they may well have a very specific pers...
by Angst
Thu Jul 12, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15074

Re: COMING SOON: BOGLEHEADS PODCASTS

Sounds interesting,
I look forward to Talking Bogleheads

Perhaps Rick might start a tradition of having each episode automatically generate a follow-up/commentary thread in the forum where the expectation would be that the speaker will participate and respond to questions.
by Angst
Thu Jul 12, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18847

Re: Vanguard to offer non-Vanguard ETFs commission-free

I'd just tack on the overall lack of quality in Vanguard's IT. The margins left for cutting expenses vs. the competition have shrunk immensely, and there's not a lot of significant room left to move. But I believe strongly that over the last 5-10 yrs there has been a slowly opening window of opport...
by Angst
Wed Jul 04, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18847

Re: Vanguard to offer non-Vanguard ETFs commission-free

[Snip...] The wild-card / open question for me is whether or not the leadership of Vanguard is aware of the perception of lack of quality of the brokerage platform? If so, do they believe the issues are behind them? I would hope so, if not, it would seem to put them at real risk of ticking off new ...