Search found 2635 matches

by am
Fri Aug 17, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 474

Re: Prime mm—> settlement fund for same day trade

Is there a way to get money out of prime mm into the settlement fund for same day trade? When I do this, there is a pending sell order but the money is not available. One cumbersome way is to sell prime which would go to bank, then add to settlement fund from my bank. I recently bought brokered CDs...
by am
Fri Aug 17, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 474

Re: Prime mm—> settlement fund for same day trade

Is there a way to get money out of prime mm into the settlement fund for same day trade? When I do this, there is a pending sell order but the money is not available. One cumbersome way is to sell prime which would go to bank, then add to settlement fund from my bank. I recently bought brokered CDs...
by am
Fri Aug 17, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest int. Muni fund vanguard question
Replies: 2
Views: 141

Tax loss harvest int. Muni fund vanguard question

I have about 1k of losses in my Vang. Int. Muni admiral fund which I am thinking of tax loss harvesting. Which fund would you use as an alternative to this for tax loss harvesting? Also, i remember reading about interest not being tax free if sold in 6 months or something like that. Anything else I ...
by am
Fri Aug 17, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 474

Prime mm—> settlement fund for same day trade

Is there a way to get money out of prime mm into the settlement fund for same day trade? When I do this, there is a pending sell order but the money is not available.

One cumbersome way is to sell prime which would go to bank, then add to settlement fund from my bank.
by am
Tue Aug 14, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 6988

Re: Mid 30s Crisis: Personal budget, savings and goals

Dude, you have a net worth of $2M at the age of 35, that's got to be in the 90th percentile of people your age. If I read your post right, you don't know what to spend your money on. If you post a new thread titled "I've won the game, what should I spend my money on?" I'm sure you'll get some good ...
by am
Sat Aug 11, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 6988

Re: Mid 30s Crisis: Personal budget, savings and goals

Dude, you have a net worth of $2M at the age of 35, that's got to be in the 90th percentile of people your age. If I read your post right, you don't know what to spend your money on. If you post a new thread titled "I've won the game, what should I spend my money on?" I'm sure you'll get some good ...
by am
Sat Aug 11, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

Re: [New Vanguard website layout starting Saturday, August 11]

Its unbelievable how a firm with trillions in assets could have such a poor website
by am
Sat Aug 11, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

Re: [New Vanguard website layout starting Saturday, August 11]

I am seeing a new layout of my online accounts. There is a notable absence of expense ratios and the mutual funds and etfs are lumped into one without subheadings. Anyone else seeing this? After some clicking on the site, it goes back to the old format. I wonder if they did this to deemphasize fees...
by am
Sat Aug 11, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

Re: [New Vanguard website layout starting Saturday, August 11]

UpperNwGuy wrote:
Sat Aug 11, 2018 4:13 pm
I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts?
Ive got the brokerage and see the change
by am
Sat Aug 11, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

Re: New layout of vanguard.com

...There is a notable absence of expense ratios... Not to sound paranoid but I think you're right. This is what I see, too, although I probably would not have noticed it (!). It was always sort of my "to-do" list when I looked at the ERs of my non-VG, non-index holdings -- waiting for corrections t...
by am
Sat Aug 11, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

Re: New layout of vanguard.com

jmk wrote:
Sat Aug 11, 2018 12:50 pm
You talking about within the Holdings tab? Yes, it's changed. The funds are in different order now with a different look and a new download button.
Yes. No expense ratios and etfs and funds are lumped. But if you click around the site and go back to holdings, it reverts to the old format.
by am
Sat Aug 11, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7565

[New Vanguard website layout starting Saturday, August 11]

I am seeing a new layout of my online accounts. There is a notable absence of expense ratios and the mutual funds and etfs are lumped into one without subheadings. Anyone else seeing this? After some clicking on the site, it goes back to the old format. I wonder if they did this to deemphasize fees ...
by am
Sat Aug 11, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Diversification with cash held in vanguard money market
Replies: 23
Views: 2498

Re: Diversification with cash held in vanguard money market

I tried bond funds for a short time with a limited amount. I did not care for the lack of immediate liquidity and variation in value. I wanted a more stable asset, so I went back to money market. To be fair, I account this allocation to be part of my e-fund and consider my actual portfolio as 100% ...
by am
Sun Aug 05, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Are stocks dangerously overvalued? Not according to new Vanguard yardstick
Replies: 84
Views: 8526

Re: Are stocks dangerously overvalued? Not according to new Vanguard yardstick

How is this actionable? Should we save more, reduce/increase stock allocation, invest in something else?
by am
Sun Aug 05, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4568

Re: Dear BH, what are non-BH actions you do?

About 5 yrs ago sold all my taxable portfolio when Dow was near highs and paid off my mortgage. Was afraid that I’d lose the opportunity (a form of market timing) :oops: . Not a wise decision looking back but at least the mortgage is paid off and I own only one home :D Won’t make that one again! Ho...
by am
Sun Aug 05, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2427

Re: My Credit Card Rewards Strategy

Before you get carried away with too many cards, consider the dollar amounts your winning also. In some cases it may not be worth getting another card. If you forget to pay a bill, it may negate all the benefits. Simplicity is also worth something.
by am
Sun Aug 05, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4568

Re: Dear BH, what are non-BH actions you do?

About 5 yrs ago sold all my taxable portfolio when Dow was near highs and paid off my mortgage. Was afraid that I’d lose the opportunity (a form of market timing) :oops: . Not a wise decision looking back but at least the mortgage is paid off and I own only one home :D Won’t make that one again!
by am
Sun Aug 05, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 27
Views: 5691

Re: Portfolio Review, Age 31, $1.5 million net worth

Age 31 and $1.5 million net worth... all I'm going to say is this: Good for you! Holy crap. :shock: :shock: :shock: Agree with above. Just avoid major mistakes and you’ll be fine. A lot of these types on here who are probably in the top half of 1% wealth for their age. I went to the city data retir...
by am
Sun Aug 05, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: DJIA Bubble Chart
Replies: 9
Views: 1084

Re: DJIA Bubble Chart

This isn’t actionable. Stay the course. No one knows where things are headed or how they’ll get there.
by am
Sat Aug 04, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

highdesert wrote:
Sat Aug 04, 2018 1:22 pm
For what it's worth, if you look at the historical data for the Fidelity U.S. Total Investable Market Index index and for FSTVX over the past five years, they correlate perfectly (literally, β=1.0, r=1.0, t=1288.95, p=0.0E0).
But not close for total int ftipx.
by am
Fri Aug 03, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

Says the new no cost funds at Fidelity use statistical sampling for inclusion? Is this what vanguard does? If not, does this increase the risk? Any reason not to start using these new funds in a 401k? I would wait a bit to learn more about the funds (like the details of the Fidelity indexes used). ...
by am
Fri Aug 03, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

Lol, people are so averse to change. There must be a catch! It's not worth the time to change! It's in the 401k so there is no tax consequence. The new funds are cheaper. I say go for it. You can always switch back. We're all assuming that FZROX is going to mirror FSTVX and FZILX is going to mirror...
by am
Fri Aug 03, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

Do you guys think that vanguard runs index funds better (less tracking error, better tax efficiency) than fidelity because of more experience? I looked at fid. Total market and seems like they’ve tracked the index to a few basis points over the last decade. Worse for the short history of total inter...
by am
Fri Aug 03, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

The expense ratios haven’t been updated on vanguards outside linked accounts.
by am
Fri Aug 03, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2907

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

Says the new no cost funds at Fidelity use statistical sampling for inclusion? Is this what vanguard does? If not, does this increase the risk?

Any reason not to start using these new funds in a 401k?
by am
Fri Aug 03, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4152

Re: 4% rule .. but when?

That is why we are not planning to use a "4% rule". In practical terms most reasonable investors would over save if at all possible which would then give them the ability to adjust their level of spending according to how their investments performed. This article was an eye opener for me. https://w...
by am
Sun Jul 29, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: J. Clements: 5 Enduring Predictions that Refuse to Materialize
Replies: 12
Views: 2085

Re: J. Clements: 5 Enduring Predictions that Refuse to Materialize

I’ve been hearing the high valuations low future returns talk here for a long time. I’m still waiting for this one. How about the day of reckoning for state gov. And pensions and subsequent collapse of munis. Been reading about alt. strategies, alt. Investments on here for years but few have deliver...
by am
Sun Jul 29, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Is the 4% rule/ index funds flawed?
Replies: 31
Views: 4429

Re: Is the 4% rule/ index funds flawed?

The 4% rule can be dangerous if you don't understand it's limitations. First, it assumes a 30-year retirement, which would be a reasonable assumption if you are single and retire at 65. If you retire at 55 and are married, I would plan for a 40 year retirement. The other issue is the US is the cher...
by am
Sat Jul 28, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: VWITX (Vanguard Intermediate Term Tax Exempt) Question
Replies: 9
Views: 1609

Re: VWITX (Vanguard Intermediate Term Tax Exempt) Question

If you did want a higher quality intermediate tax exempt fund try the Baird family of funds. I believe its tax exempt fund is higher quality than Vanguard's TE. I’m not sure there is any practical benefit to going higher in quality when vanguard fund is good enough? Default rate on muni bonds in th...
by am
Wed Jul 25, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cali Muni Money Market Yield Dropping
Replies: 7
Views: 850

Re: Vanguard Cali Muni Money Market Yield Dropping

Yep, VMMXX is dominating as far as MMs go... But when it comes to fixed income, VCAIX is a clear choice for me, even in my relatively low tax bracket (22% Fed/9.3% CA state, tax equivalent yield is almost identical to VBTLX). I hope that stays the same. I wonder who the muni mm makes sense for anym...
by am
Tue Jul 24, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Personal Savings question
Replies: 1
Views: 474

Re: American Express Personal Savings question

I opened multiple savings accounts for different purposes. They’re easy to close as well.
by am
Tue Jul 24, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Looks like 2019 HSA family limits raised to $7000
Replies: 25
Views: 2670

Re: Looks like 2019 HSA family limits raised to $7000

Anyone know roughly what 401k limits will be?
by am
Sun Jul 22, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

How much do you think the short term muni can go down in the worst of cases? For some reason, I don’t have a good feel of the downside risk I’m taking in these muni funds. You can at least see the monthly historical returns since Jan 1985 using Portfolio Visualizer backtest for VWSTX . Maximum mont...
by am
Sun Jul 22, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Liquidity in the Municipal VRDO market has been mentioned as a possible factor in the yield variations. The VRDO market appears to be about $200B which is quite small compared with the taxable money market. The U.S. Commercial Paper market is over $1T. Add in Treasuries, Government paper, CDs, Repu...
by am
Sun Jul 22, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2020

Re: Capital One offerings 2.30% on CDs - Should I?

Prime mm is 2.05%. There is no locking up money for 12 months. The risk is almost negligible for me at least. If you can tolerate bit of principal fluctuations, consider ultra short term bond fund or muni funds if your in a higher bracket. What would be considered a higher bracket? Google Eaton Van...
by am
Sat Jul 21, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2020

Re: Capital One offerings 2.30% on CDs - Should I?

Prime mm is 2.05%. There is no locking up money for 12 months. The risk is almost negligible for me at least. If you can tolerate bit of principal fluctuations, consider ultra short term bond fund or muni funds if your in a higher bracket.
by am
Fri Jul 20, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 2269

Re: Heart Rate Monitors Fitbit vs. Garmin

I recently bought the Fitbit charge 2. I wore it for a week but have not been able to get used to something being on my wrist. I haven’t wore a watch for 20+ yrs. This is especially true when I excersise and get sweaty and hot. Just feels uncomfortable and keeps sliding or squeezing my wrist too muc...
by am
Sun Jul 15, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4713

Re: FireCalc: How big a grain of salt?

As you point out, it's all based on historical cycles and the future may be different. Only one thing is certain: everyone living will die. It would be easier to plan if we knew when we die. But even then we would not know how the markets will behave nor how we’d reach death (chronic multi year deb...
by am
Sun Jul 15, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4713

Re: FireCalc: How big a grain of salt?

A percentage of annual portfolio withdrawal plan damps out both the portfolio failures and the giant XX million portfolio ending balance scenarios. I like 5% of portfolio balance with a 3% inflation-adjusted floor. How does this work and will this last for more than 30 yrs if your an early retiree?...
by am
Sun Jul 15, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4713

Re: FireCalc: How big a grain of salt?

I periodically run Firecalc, which I did this morning, and here are the results with what I consider a pretty aggressive level of spending. My question is how big a grain of salt do I take these with? FWIW, the results were pretty much inline with my own spreadsheets, so I feel good about that. But...
by am
Sun Jul 15, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Yes I’ve switched to prime again. I think I’m going to stick with it because the yield is stable and only going up. 2.05% is competitive with the best non risk liquid yields. I came to the same conclusion last cycle. Now I'm in the Treasury fund (has the best TEY for me). Even though Kevin's spread...
by am
Sat Jul 14, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Where do you think yields will go from here? It’s 1.10% right now and doesn’t make sense any more at my bracket. The only thing I can suggest is reviewing the pattern in previous years. The most recent peak on 7-03-18 appears consistent with the peak on 7-05-17. It might be worth estimating the ann...
by am
Sat Jul 14, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Where do you think yields will go from here? It’s 1.10% right now and doesn’t make sense any more at my bracket. 1.08% as of Friday. Kevin Yes I’ve switched to prime again. I think I’m going to stick with it because the yield is stable and only going up. 2.05% is competitive with the best non risk ...
by am
Fri Jul 13, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Here are two articles that may help explain some of the recent yield spikes seen in VMSXX. Note the comment in the Blackrock article about the spring supply push. https://www.bloomberg.com/news/articles/2017-11-30/muni-cracks-widen-as-issuers-rush-in-fearing-tax-reform-damage November 30, 2017 "In ...
by am
Tue Jul 10, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Down to 1.2% sec yield today from 1.31%. Now I’m below TEY at my bracket compared to prime. Maybe time to switch, again!
by am
Sun Jul 08, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3397

Re: Trying to hit grand slam with small % portfolio?

I don’t see why people here object to say 10-20k allowance (from low 7 figure portfolio in mid 40s) to some speculative high risk high reward investments like individual stocks, small cap biotech funds, cryptos, etc. The 10-20k would hardly be noticed if lost, but the upside could pay for a nice vac...
by am
Sat Jul 07, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Why’s muni mm going down again from 1.38% earlier this week now to 1.31%? Thought this was a quarterly phenomenon? Interesting that we seem to have hit the peak before my muni MM fund TEYs rose above Prime MM, unlike the last two cycles. https://s26.postimg.cc/5gac5djkp/Muni_MM_vs_Prime_20180707.pn...
by am
Sat Jul 07, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3397

Re: Trying to hit grand slam with small % portfolio?

The performance of biotech stocks is driven to a large extent by the performance of trials and subsequent regulatory approvals/actions. Unless you have actionable (legal) insider information, it's unlikely that you will have an advantage here. Investing in biotech and pharma is often more like play...
by am
Sat Jul 07, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 231
Views: 27308

Re: Vanguard Municipal Money Market VMSXX 1.39%

Why is it that longer term muni funds don’t fluctuate as much? Seems like short-intermed. Muni funds have been more stable in yield. I’m tired of constantly having to watch this fund for better alternatives. Thinking of switching to short-Ltd term muni for most of my cash reserves.