Search found 2445 matches

by Munir
Thu Nov 15, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 762

Re: Vanguard Global Credit Bond Fund

Offshore wrote:
Thu Nov 15, 2018 4:47 pm
On VG's 1 through 5 Risk scale, they score it a "2", which is a bit riskier then the score for TBM or TIPS.

Offshore
Vanguard's other intermediate bond funds, including TIPS, are also at 2 on their Risk Scale. The shorter duration funds are at 1.
by Munir
Mon Nov 12, 2018 2:05 am
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8637

Re: What's Your Fixed Income Strategy?

81 years old widower. Retired 21 years ago. Currently 70% fixed income and 30% equities- nearly all in TIRA. Stay liquid and simple. Prepared for the worst. I hold 30% TSM, 20% TBM, 50% Money Market Prime and four SPIAs. The MMP + SPIAs will hold me till I kick the bucket and the other 50% is for m...
by Munir
Sun Nov 11, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8637

Re: What's Your Fixed Income Strategy?

81 years old widower. Retired 21 years ago. Currently 70% fixed income and 30% equities- nearly all in TIRA. Stay liquid and simple. Prepared for the worst. I hold 30% TSM, 20% TBM, 50% Money Market Prime and four SPIAs. The MMP + SPIAs will hold me till I kick the bucket and the other 50% is for my...
by Munir
Fri Oct 19, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 16582

Re: Total Bond Market Fund - interest rates rising!

So I've seen plenty of people here and in the media warn about bond funds "crashing" when interest rates rise. Just because I was curious, I checked Total Bond Market Index Fund since 12/14/2016 to today. Why did I pick 12/14/2016? Because the Fed raised interest rates 0.25% on that day. In fact, i...
by Munir
Sun Oct 14, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3032

Re: Pacific Northwest trip

I moved to PacNW from the Midwest six years ago, and while I do have my reservations about continuing to live here I can say that I remain in awe of its beauty. OOC, what dont you like about the PNW? There are a number of things but I’m not sure it is a good idea to go into them here. I only have m...
by Munir
Sun Oct 14, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10577

Re: Short Term Bond yield over 3%

I am confused. When we compare intermediate bond funds, we look at their total return and not just at their yield. Are short term bond funds any different? One can only know total return for a past holding period. Yield is all we have to estimate expected (future) return. The capital return compone...
by Munir
Fri Oct 12, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10577

Re: Short Term Bond yield over 3%

I am confused. When we compare intermediate bond funds, we look at their total return and not just at their yield. Are short term bond funds any different? A related question: In an IRA, what produces a higher total return- Money Market Prime or the Federal Funds money market vehicle? The MM prime h...
by Munir
Thu Oct 11, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10577

Re: Short Term Bond yield over 3%

Nowizard wrote:
Thu Oct 11, 2018 4:46 pm
Why Short Term Bond Index rather than Short Term Investment Bond Index (VFSUX)?
Tim
VFSUX's proper name is Vanguard Short-Term Investment-Grade Fund (Admiral Shares). I don't think it's an index fund.
by Munir
Tue Oct 09, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10577

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). What are its Total Return numbers?...
by Munir
Tue Oct 09, 2018 5:00 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12272

Re: Larry Swedroe: Be Prepared For Losses

Why gold and not a money market fund in case of a "crash"? It's as good as any other fixed income vehicle on a short-term basis.
by Munir
Mon Oct 08, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10882

Re: Alan Roth doesn't like single premium annuities

... words of gloom and doom about annuities generally, rip-offs, scams etc... We can do better on this forum if we stick to reasonable discussions that can include disagreements without using the fear tactic. There is a distinction that needs to be made between different types of annuities though, ...
by Munir
Mon Oct 08, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10882

Re: Alan Roth doesn't like single premium annuities

Wow. This is really interesting. Bogleheads used to like Single Premium Immediate Annuities. Thankfully, most reasonable Bogleheads still do. I like them and have used them (I have four) over the last 10 years. I have been very satisfied with them. One needs to do some research and study to know wh...
by Munir
Fri Oct 05, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10882

Re: Alan Roth doesn't like single premium annuities

Mr. Roth does not mention an inflation rider that can be purchased with an SPIA, and a time period certain rider to protect your heirs in case you die soon after you purchase an annuity. The latter guarantees payout to your heirs for a designated number of years after purchase if you die early. If t...
by Munir
Thu Oct 04, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2135

Re: AARP UnitedHealthCare Plan G

I compared the cost of the premium for my current plan F vs. plan G for me in Oregon on the AARP web site and plan F was cheaper!! I don't know why except that I have been with Plan F for many years and maybe that gives me a deduction of some kind. If I was a first-timer (newcomer), then plan G wou...
by Munir
Thu Oct 04, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2135

Re: AARP UnitedHealthCare Plan G

I compared the cost of the premium for my current plan F vs. plan G for me in Oregon on the AARP web site and plan F was cheaper!! I don't know why except that I have been with Plan F for many years and maybe that gives me a deduction of some kind. If I was a first-timer (newcomer), then plan G woul...
by Munir
Thu Oct 04, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8021

Re: Key differences between investing philosophies: Swedroe vs. Bogle

I believe in Jack. Rick Ferri “As soon as we abandon our reason and are content to rely on authority, there is no end to our troubles.” ― Bertrand Russell I assume that Rick is saying that he agrees with Jack because Jack advocates simplicity and not that Rick advocates simplicity because Jack said...
by Munir
Thu Oct 04, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2135

Re: AARP UnitedHealthCare Plan G

It seems that most if not all posters in this thread are praising plan G over Plan F. Any opinions to the contrary and why?
by Munir
Wed Oct 03, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12272

Re: Larry Swedroe: Be Prepared For Losses

Munir, The “preparation” is not market timing or any short term adjustment. Like Homer J says, it is developing a long term investment policy that incorporates the assumption that big equity losses can happen at any time. Similar to Homer J, I assume equities can drop 50% in a 1-2 year time span. H...
by Munir
Wed Oct 03, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12272

Re: Larry Swedroe: Be Prepared For Losses

https://www.etf.com/sections/index-investor-corner/swedroe-be-prepared-losses?nopaging=1 Larry reviews a Fama French paper titled “Volatility Lessons”. He starts off reviewing the historic size of the market, size, and value premiums. He then begins to describe their riskiness by looking at the sta...
by Munir
Thu Sep 27, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4236

Re: Which type of Primary Care Physician?

My experience is that internal medicine doctors really like to deal with arteries, blood pressure, and things like that. They will phone in prescriptions for sore throats and pretty much refer you to another doctor for anything else. Basically, you won't need to see your internal medicine physician...
by Munir
Sat Sep 22, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 1108

Re: The bond side of my asset allocation ...

ruralavalon wrote:
Sat Sep 22, 2018 9:43 am

The theory is that the generally expected interest rate hikes are already priced into the bond or bond fund price.
But regardless whether or not that theory is correct, bond funds NAV is continuing to drop. The OP has a valid concern. What am I missing?
by Munir
Thu Sep 20, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4743

Re: Bonds. Why? (vs. cds)

Let's all go back to the original discussion. It seems like tangents abound. Why not just get an FDIC insured 3 yr CD at 3.01 % instead of a bond for our low risk portion of our portfolio? Good point. That seems an appropriate vehicle for funds one doesn't need for three years. If you want more liq...
by Munir
Wed Sep 19, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 46
Views: 6878

Re: New Jack Bogle Book!

For those that are stating they have read every one of Jack Bogle's books - don't you find them somewhat repetitive? Am I missing some new messages between the various books or do you also find them repetitive but enjoy reading the same messages with some refreshed data? Agree. I am an admirer of J...
by Munir
Sun Sep 16, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4865

Re: Total Bond or Total Bond/short-term

VG short term bond index is down a tiny bit ytd. If you want to have some diversity from Total Bond why not Prime Money Market paying 2.10%? I have a large allocation to fixed income in retirement. I diversify my fixed income with short term bond funds and CDs, etc. But, if you are in the accumulat...
by Munir
Sun Sep 16, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 4865

Re: Total Bond or Total Bond/short-term

VG short term bond index is down a tiny bit ytd. If you want to have some diversity from Total Bond why not Prime Money Market paying 2.10%? I have a large allocation to fixed income in retirement. I diversify my fixed income with short term bond funds and CDs, etc. But, if you are in the accumulat...
by Munir
Sun Sep 09, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 770

Re: Bond fund overlap

I don't understand the argument that any future rise of interest rates is already priced in the current NAV of the fund. Then, why does the NAV keep falling?
by Munir
Sun Sep 09, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund overlap
Replies: 14
Views: 770

Re: Bond fund overlap

Mr. BB... I'd suggest using Morningstar.com to help sort out your intermediate-term bond exposure. The goal would be to see how many dollars you have invested across those funds in intermediate-term bonds (i.e. duration of about 5-7 years), take a look at the mix of issuers, and how it all fits wit...
by Munir
Wed Sep 05, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 23
Views: 4092

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

erik265 wrote:
Tue Sep 04, 2018 5:36 pm
Just wondering if you need to get highest level of safety, liquidity and reasonable rate of return which investment vehicle is most suitable? $200,000 to invest
Did you mean VUSXX? Writng full names of funds once in a post helps clarify ID.
by Munir
Mon Aug 20, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3840

Re: Retirees: Timing your withdrawals

2015 wrote:
Sun Aug 19, 2018 10:51 am
aum wrote:
Sun Aug 19, 2018 8:44 am
One a year in first week of January , I withdraw and re balance my portfolio.
+1
I keep it simple and don't over think it.
Why not make it the first week in December so that the funds will grow tax-free for another 11 months? I do that for my RMD.
by Munir
Sun Aug 19, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3838

Re: Money Market Funds vs. Online Banks

Are funds more quickly available from online savings accounts than transfers from Vanguard MM if using ACH transfers? If they are, is this negated by the check writing available at the MM account?
by Munir
Mon Aug 06, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2775

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. My wife and I are on Medicare and our total medical expenses are $20,000/year now but we li...
by Munir
Sun Aug 05, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2775

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. Is the $12,233 per individual or per couple? Does it include Medicare, Medicare Advantage, ...
by Munir
Sat Aug 04, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2775

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. My wife and I are on Medicare and our total medical expenses are $20,000/year now but we li...
by Munir
Tue Jul 31, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 8
Views: 1894

Re: Matter-scatter, part 4: Bond allocation

nisiprius,
Can you please describe and analyze your graphs and conclusions in "plain" language that novices like me can understand?
Thank you.
by Munir
Sun Jul 29, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Diversification
Replies: 22
Views: 1788

Re: Bond Diversification

A number of Bogleheads- including Jack Bogle, are not so sure that international bonds are worth owning.
by Munir
Thu Jul 12, 2018 1:47 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5718

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by Munir
Sun Jun 17, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 4160

Re: Our interview with Taylor Larimore

Taylor is not only an astute investor with great knowledge, but he is a true gentleman who has never made a rude comment about any other poster and treats all patiently and kindly. Thank you, Taylor, for being you.
by Munir
Tue May 29, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA - inflation adjusted or not?
Replies: 12
Views: 1595

Re: SPIA - inflation adjusted or not?

Doesn't it depend on one's age when they purchase the SPIA? If one is under 75, an inflation-adjusted annuity is probably worthwhile. Above 75, and especially above 80, it's not. Special circumstances that may shorten one's life expectancy can change the picture. I remember a post by Taylor describi...
by Munir
Sun May 27, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund choice in 401K has 0.43% expense ratio
Replies: 7
Views: 592

Re: Bond fund choice in 401K has 0.43% expense ratio

My total portfolio is 30% equities and 70% fixed income (59% bond funds and 11% reserves). DODIX is 13% of my total portfolio. 67% of my total portfolio is in Vanguard Target Retirement 2015 (VTXVX). DODIX's relative short duration (4.2 years) and performance compared to other intermediate bond fund...
by Munir
Fri May 25, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 11728

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's? I am also annoyed that this poor habit persists in spite of multiple requests to include the full name once in a posting before resorting to acronyms. I usually stop reading posts that do not follow ...
by Munir
Fri May 25, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 34413

Re: Vanguard opens special offices for $1 million clients

Btw have any of these offices actually opened yet? I will re-iterate the above question....... Have these offices opened and has anyone had any experience with one? As stated previously in this thread, these offices already exist https://www.vanguardjobs.com/locations/ :beer Three office on the Eas...
by Munir
Thu May 24, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Can I join AARP and turn off all snail mail from them ?
Replies: 13
Views: 1996

Re: Can I join AARP and turn off all snail mail from them ?

spectec wrote:
Thu May 24, 2018 7:13 am
Since you're in the middle of this decision, you could also forget AARP and consider AMAC as a better alternative.

https://amac.us
Why is AMAC a better alternative? Personally, I'm very happy with AARP.
by Munir
Fri May 18, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 30
Views: 4804

Re: more rotten service from Vanguard

Used the voice identification system and when I got the rep she claimed I had to go through the system again; this is the second time there alleged system designed to speed things up hasn't worked do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your ba...
by Munir
Fri May 18, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 4354

Re: Larry Swedroe: No Need For Corp Bonds?

If nisiprius and dbr agree on something, it would be difficult for anyone to dissuade me otherwise. Have Vanguard intermediate bond funds ever suffered from bond defaults in a significant fashion? If you go to page 15 in this document: https://www.nber.org/papers/w15848 You can see there have been ...
by Munir
Fri May 18, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 4354

Re: Larry Swedroe: No Need For Corp Bonds?

If nisiprius and dbr agree on something, it would be difficult for anyone to dissuade me otherwise.

Have Vanguard intermediate bond funds ever suffered from bond defaults in a significant fashion?
by Munir
Tue May 08, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 5152

Re: Do you know anyone unhappy in a CCRC?

Be prepared for loss of autonomy- much bigger deal than one imagines beforehand.

The management mostly cares about the bottom line. Try and organize the residents to be more involved in management -which mangement will resist.
by Munir
Sun May 06, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5524

Re: Bond Fund Point of Indifference vs. Principle Recovery

I would add that it is important to understand the benefit to long term investors of getting higher interest rates, even if there is a continuing increase in rates. For most people here, investing for lifetimes, this hysteria that develops over "increasing interest rate environment" and "recovering...
by Munir
Sun May 06, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5524

Re: Bond Fund Point of Indifference vs. Principle Recovery

Kevin, Your explanation and analysis is OUTSTANDING. Regarding the “point of indifference”, I actually wanted to bring that up as I’ve seen a number of posts recently discussing duration as related to “recovery of principle” or “break even point” (although break even can be interpreted a few ways)....
by Munir
Fri May 04, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 4680

Re: Vanguard Target retirement funds

Thanks everybody. I just read a yahoo article where Buffet says not to do TDR funds and he suggests investors use 90% of their funds on S&P 500 index fund (VOO) and 10% low cost Government bonds like VGSH and or VFIR. I'm thoroughly confused. :confused Thanks for the replies everybody it helps. One...