Search found 2331 matches

by Munir
Sat Dec 16, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 2348

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Is there a reason that neither of you use the M* "Funds compare" chart or the M* chart/graph comparing these funds in question? Yes, the total return chart has end point problems and it's hard to get a visual assessment of shorter term variations because they are just wiggles on the curve. The endi...
by Munir
Thu Dec 14, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 2348

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Is there a reason that neither of you use the M* "Funds compare" chart or the M* chart/graph comparing these funds in question?
by Munir
Tue Dec 12, 2017 2:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 2348

Re: Vanguard VBMFX/VBTLX Bond Fund performance

They list VBTLX in the category of intermediate bond funds, but that's not really what it is. It's a total bond market fund that averages out to intermediate-term. Historically, it's tended to underperform pure intermediate funds. On the other hand, it also tends to have lower Stdev, so on a risk-a...
by Munir
Mon Dec 11, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 2348

Re: Vanguard VBMFX/VBTLX Bond Fund performance

Use the M* Compare Funds chart, http://screen.morningstar.com/Compare/Fund/FundCompare.html, and under "performance" compare VBTLX to VFIDX (Intermediate Investment Grade), VBILX (Intermediate Bonds Index Fund), and VCOBX (Vanguard Core Bond Fund)- all intermediate Vanguard bond funds. Or use one of...
by Munir
Sun Dec 10, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186750

Re: The Three-Fund Portfolio

Taylor, thank you for the explanation.
by Munir
Sun Dec 10, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186750

Re: The Three-Fund Portfolio

Taylor, over the years, in your three fund portfolio, have you adjusted your stock/bond allocation using some rule of thumb such as age in bonds? Thanks, Jim Jim: The money I cannot afford to lose is in diversified, reasonably safe, Vanguard Total Bond Market Index Fund and cash in the bank. My exa...
by Munir
Fri Dec 08, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6838

Re: Vanguard customer service reps need some training

A lot of people on this Forum complain about Vanguard in one way or another. There is a simple way for those dissatisfied with Vanguard to fix this problem. Move your assets to another firm. I wish good luck to those who choose to do this. Garland Whizzer I think there is a place for constructive c...
by Munir
Sun Dec 03, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2211

Re: Vanguard Total Corporate Bond ETF (VTC)

If one does not use ETFs, the Intermediate Investment Grade Fund (VFIDX) has nearly 70% corporates with a duration of only 5.5 years. It has a superior total return than other Vanguard intermediate bond funds with a vanguard risk rating of only 2. It is useful to increase one's ownership of corporat...
by Munir
Sat Dec 02, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6838

Re: Vanguard customer service reps need some training

A lot of people on this Forum complain about Vanguard in one way or another. There is a simple way for those dissatisfied with Vanguard to fix this problem. Move your assets to another firm. I wish good luck to those who choose to do this. Garland Whizzer I think there is a place for constructive c...
by Munir
Thu Nov 30, 2017 2:05 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12007

Re: Bonds Are Riskier Than People Think

If one gets worried about the transient dips in bond funds (much smaller than stock funds), then one should not be in them. If one is anxious about driving on freeways, then drive on less congested country roads (which I assume are safer).
by Munir
Tue Nov 28, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 74
Views: 5124

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

If you don't already use snow tires in the winter, then it would be silly to get an AWD vehicle. If you do use proper snow tires in the winter, then consider if you go out and drive when there's 4 inches of snow on the roads and a foot of snow in your driveway. I know quite a few people who insist ...
by Munir
Sat Nov 25, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Bond fund duration(s) in retirement
Replies: 16
Views: 1359

Re: Bond fund duration(s) in retirement

I am a retiree in the distribution phase. I use intermediate bond fund(s) and cash (online savings account) for reserve. I tried some short-term bond fund holdings as a compromise for emergencies or for a severe drop in rates, but found it unnecessary -and in fact counter-productive.
by Munir
Wed Nov 22, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 910

Re: Disadvantages of Grandparents Owning 529 Accounts

Why would you want to 'fix' something to your advantage? It is not to my advantage as a grandparent nor of my grandchild to have educational contributions from my 529 considered part of the grandchild's assets and therefore negatively affect his/her eligibility for financial aid- as explained above...
by Munir
Wed Nov 22, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of Grandparents Owning 529 Accounts
Replies: 5
Views: 910

Disadvantages of Grandparents Owning 529 Accounts

Financial experts on 529 accounts refer to the disadvantages of grandparents owning 529 accounts: "Similar guidance has been published by the US Department of Education in Dear Colleague Letter GEN-04-02 which states: Distributions from Coverdell Education Savings Accounts and 529 College Savings Pl...
by Munir
Sun Nov 12, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2720

Re: My favorite bond portfolio

Nisi's chart without the Total Stock Market in order to highlight the bond sector differences. https://s19.postimg.org/jrmkroi8z/Nisi_s_Chart_Capture_2.png http://quotes.morningstar.com/chart/fund/chart?t=VBMFX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%...
by Munir
Sat Nov 11, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2720

Re: My favorite bond portfolio

A retiree with 70% of portfolio in fixed income would incur significant $ losses in poor total returns with such a portfolio. Personally, I prefer a mix of US government and corporates.
by Munir
Sat Nov 11, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Right Bond Allocation - Government v. Credit?
Replies: 22
Views: 2293

Re: Right Bond Allocation - Government v. Credit?

I don't understand this obsession with what happened over a short period of time in 2008 in determining what kind of bonds one will own long term. Yes, corporate bonds dropped more than treasuries in 2008 but then they recovered and surpassed them in 2009 and afterwards. If you are the type to sell ...
by Munir
Sun Nov 05, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: I came up with a Bond plan.....Good or Bad...you decide
Replies: 19
Views: 1807

Re: I came up with a Bond plan.....Good or Bad...you decide

I don't care too much for the Total Bond Market (the favorite on this forum) because it has some of the lowest returns among Vanguard intermediate bond funds (you can also check Jack Bogle's comments on it). A mix of Intermediate Investment Grade (VFIDX) and Intermediate Bond Index (VBILX) with a sh...
by Munir
Sun Oct 29, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 15657

Re: Ally Bank - Savings Account Rate Increased!

Ally always seems to lag behind those front-runners by about .05% or so. Must be part of their business model. No need to lead the field, just be up there. I've observed the same thing about Ally and Cap360 - they are normally a slight (almost insignificant) amount behind Synchrony, gsbank, and Bar...
by Munir
Sat Oct 28, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 15657

Re: Ally Bank - Savings Account Rate Increased!

DaftInvestor wrote:
Sat Oct 28, 2017 8:51 am
signewton wrote:
Sat Oct 28, 2017 6:32 am
ally is now at 1.25%

Capital one 360 is now at 1.30% for balances $10k or more
Gsbank and Synchrony are both at 1.3% without a high min. balance.
So is Barclay's.
by Munir
Wed Oct 25, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar Article On Bond Fund Benchmarks
Replies: 2
Views: 310

Morningstar Article On Bond Fund Benchmarks

There is a new article by Eric Jacobson in Morningstar on bond fund benchmarks: http://news.morningstar.com/articlenet/article.aspx?id=830820#cpage=0 He sounds somewhat critical of the Bloomberg Barclays U.S. Aggregate Bond Index but makes no recommendations of what he would suggest in its place. Is...
by Munir
Wed Oct 25, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Concern re bond funds and current interest rate trend
Replies: 22
Views: 1605

Re: Concern re bond funds and current interest rate trend

I am in a similar situation. 80 years old and living on my RMDs. Preparing myself for a massive equity fall-off, and a moderate bond drop. "Stay the course" and "think long term" do not apply to people in their eighties- unless they are investing for their heirs. I'll be OK if I get even a slight re...
by Munir
Fri Oct 20, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15862

Re: [Prevent mail theft; sign for USPS Informed Delivery]

It is a waste of time and energy- plus being inaccurate.
by Munir
Thu Oct 19, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate Bond vs. Vanguard Total Bond
Replies: 4
Views: 1212

Re: Vanguard Intermediate Bond vs. Vanguard Total Bond

In my IRA, I use Vanguard's Intermediate Investment Grade (VFIDX), Intermediate Bond Index (VBILX), and Core Bond Fund (VCOBX). I withdraw my RMD (or most of it) from whichever has done best the previous 12 months.
by Munir
Sun Oct 15, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2743

Re: Barclays increases interest rate

patrick wrote:
Sat Oct 14, 2017 3:31 pm
Still below the 1.5% at All America Bank.
You get a 1.5% APY only for balances below $35,000- otherwise it's 0.5%!

Statement below from the All America Bank web site:

"Earns interest of 1.50% APY* calculated on your daily balance of up to $35,000. Amounts over $35,000 earn .50% APY*"
by Munir
Thu Oct 12, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2743

Re: Barclays increases interest rate

Barclay's APY is now 1.3%.
by Munir
Sun Oct 08, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15862

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I tried it for a few weeks and shut it down. It was inaccurate and caused me headaches worrying about lost mail which eventually showed up 2-3 days later. For me, time is too precious to spend it on such activities which are more of a gimmick than being helpful.
by Munir
Tue Oct 03, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4583

Re: So... What bond fund or bond-like instrument do you use?

All are in my IRA (I'm an 80 year old retiree) except the I-Bonds & Cash,: VFIDX- Vanguard Intermediate Investment Grade- 22% VBILX_ Vanguard Intermediate Bond Index- 18% VCOBX- Vanguard Core Bond Fund- 12% VFSUX- Vanguard Short Term Investment Grade- 3% I-Bonds - 5% --------------------------------...
by Munir
Wed Sep 27, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52039

Re: Equifax customer information leak

A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites. zaplunken: A typo? Which is the "minor" effort? If you go to the credit bureau websites and read the differences you'll see a freeze locks your credit report so no one can gain access to it and...
by Munir
Wed Sep 27, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52039

Re: Equifax customer information leak

zaplunken wrote:
Tue Sep 26, 2017 7:46 pm
A freeze is a minor effort, a freeze is the real deal. Read what the differences are at one of the sites.
zaplunken: A typo? Which is the "minor" effort?
by Munir
Mon Sep 25, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8933

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption? No. Would not premier hospitals weed out fake doctors with false credentials from diploma mills? Victo...
by Munir
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8933

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

soccerdad12 wrote:
Mon Sep 25, 2017 8:12 am
Does going to a doc in a highly ranked medical system help? I go to Duke for my docs and I would think that they would weed out any docs that are substandard. Would that be an accurate assumption?
No.
by Munir
Sun Sep 24, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8933

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I am a retired surgical specialist. 1. If possible, find out who physicians themselves go to in that specialty- find a "doctor's doctor". 2. Obtain a recommendation from a local physician(s) such as your PCP. 3. Check credentials of the physicians and see if they are board-certified and whether they...
by Munir
Sun Sep 24, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 74
Views: 5124

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Have always driven AWD the last few decades and never needed snow tires or chains. Provide more mental security as one gets older.
by Munir
Sun Sep 24, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 92
Views: 5466

Re: Do you subscribe to digital newspapers?

I read the digital versions of the NY Times, Washington Post, and (gulp) for news only, the WSJ. I get the print edition of the local paper to read local news and catch up with the obituary notices (important at my age :happy ).
by Munir
Mon Sep 18, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2692
Views: 863014

Re: What Book Are You Currently Reading? Part VI

On Tyranny (2017) by Timothy Snyder. Short book, very informative, and easy reading.
by Munir
Sun Sep 17, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4436

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Whether Jack Bogle chooses to travel in Business/First Class or not has nothing to do with his investing acumen and advice to investors. Let us quit passing judgment on personal preferences of others or soon we will be judging them on what kind of toothbrush they use. It also gives permission to a f...
by Munir
Sat Sep 16, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 735

Re: Credit Monitoring - 1 or 3 Bureau?

what is the best 3 bureau monitoring. I know a freeze is free. Just asking who uses a monitoring service, and do you like it. A freeze may be free in some states but many allow a charge up to $15 per freeze per company. Check your state law or our own BH Wiki. Experian and Transunion charged me and...
by Munir
Fri Sep 15, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52039

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her? No, she needs to do her own freeze. Spouse was successful in doing her own freeze with all five companies except for Equifax because we have t...
by Munir
Fri Sep 15, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3352

Re: Which Bond Fund Will Perform Best With Rising Rates?

The issue is that there is not just one interest rate. Your four example funds have about the same duration, so they will all lose 6% if all bond rates rise by 1%. But if corporate bond rates rise more (because of increased default risk), then Total Bond Market Index, which is mostly government bon...
by Munir
Thu Sep 14, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52039

Re: Equifax customer information leak

If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her?
by Munir
Wed Sep 13, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3352

Which Bond Fund Will Perform Best With Rising Rates?

Can an intelligent guess be made which of these four Vanguard intermediate bond funds will perform best in a rising interest rate environment : Total Bond Market Index (VBTLX), Intermediate Investment Grade (VFIDX), Intermediate Bond Index (VBILX), and the Core Bond Fund (VCOBX)? I know that nothing...
by Munir
Fri Sep 01, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4624

Re: Do you know your bond portfolio's REAL 12 month total return?

As of 8/31, the one-year total return for some commonly-used funds here: IT Tax Exempt: .96% IT Govt' Bond: -.19% Total Bond: .33% IT Bond Index: .51% VG TIPS Fund: .49% Interestingly, the damage was done in the later part of 2016, not this year in the so-called "rising rate environment". Same fund...
by Munir
Fri Sep 01, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3559

Re: The Stock Market Is Always Risky

Toons wrote:
Fri Sep 01, 2017 11:23 am
Keep Investing :happy
When should we start spending? :happy
by Munir
Wed Aug 30, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Risk
Replies: 4
Views: 548

Re: Bond Fund Risk

Can you please supply the full title of PONDX? You might get more responses that way.
by Munir
Tue Aug 29, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4422

Re: Transitioning management of investments as cognitive ability declines

I've been around and read up enough to know that most annuities primarily benefit the person that sells them. [/b] The quote above does not really apply to SPIAs but maybe to other forms of annuities. When was the last time a person showed up at work or your house to sell you a SPIA? Never.
by Munir
Tue Aug 29, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4422

Re: Transitioning management of investments as cognitive ability declines

[b wrote:I've been around and read up enough to know that most annuities primarily benefit the person that sells them.
[/b]
The quote above does not really apply to SPIAs but maybe to other forms of annuities.
by Munir
Mon Aug 28, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7758

Re: Review with Me - Larry Swedroe's new book

This thread makes me wonder about the possibility of having a "Basic" Boglehead Forum and an "Advanced" Forum. As a novice in investing, I do appreciate and benefit from this forum but get lost in many of the high-level discussions which honestly don't interest me. One will say that I can just ignor...
by Munir
Mon Aug 28, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4422

Re: Transitioning management of investments as cognitive ability declines

SPIAs provide a continuous fixed income amount monthly like a pension or social security except that they are funded by the individual receiving the money and not by the government or a commercial company. They do not pay bills nor supervise money being spent or bank balances. Inflation-indexed SPIA...