Search found 131 matches

by zvez
Mon Aug 12, 2019 7:14 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16234

Re: Wellesley 56.05% drop today

no problem with peaking as long as you don't react and make changes.
Broken Man 1999 wrote:
Mon Aug 12, 2019 6:18 pm
Sounds like a lot of Bogleheads have been peeking! Tut! Tut! Might get some demerits for looking.

Broken Man 1999
by zvez
Mon Aug 12, 2019 6:00 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16234

Re: [Why did my fund suddenly drop in value?]

yeah but that was the whole market, we're talking about a fund that is 50% bonds. That would equate to a market drop of almost 60%!
by zvez
Mon Aug 12, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16234

Re: [Why did my fund suddenly drop in value?]

LOL, I think very few even hardcore stay the course bogleheads could tolerate a 29% drop in their investment in a single day. Same thing happened last year, fixed a couple hours later.
by zvez
Mon Aug 12, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16234

Re: [Why did my fund suddenly drop in value?]

VTWNX dropped $9.37 today (29.5%) drop, guessing/hoping that's a glitch!! :)
by zvez
Mon Feb 25, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 231
Views: 201775

Re: [Why did my fund suddenly drop in value?]

never mind, they fixed it.
by zvez
Mon Feb 25, 2019 6:09 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 231
Views: 201775

Re: [Why did my fund suddenly drop in value?]

and again, it seems a glitch with share price on vanguard funds. VTWNX down $1.87 a share. Hope it's a mistake anyway.
by zvez
Mon Oct 15, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5623

Re: [Why did my fund suddenly drop in value?]

just talked to vanguard the figures quoted are incorrect and they are working on fixing.
MTZ wrote:
Mon Oct 15, 2018 5:27 pm
yes, VTTHX down 7% today as well.. quite a one day drop for a TDF. Anyone know? :confused
by zvez
Mon Oct 15, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5623

Re: [Why did my fund suddenly drop in value?]

just talked to vanguard who have been flooded with calls, and said it's incorrect and will be fixed. That's a relief!
by zvez
Mon Oct 15, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5623

Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

[Moved into a new thread from: [Why did my fund suddenly drop in value?] --admin LadyGeek]

can someone please explain why target fund vtwnx lost 12.84% or $3.99 a share today? I'm floored.
by zvez
Thu Oct 04, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 150
Views: 21531

Re: Larry Swedroe: Be Prepared For Losses

in the case of hyperinflation of the US economy with the dollar being a world currency, where exactly would you go?
by zvez
Wed Oct 03, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 44
Views: 8250

Re: U.S. bonds in freefall

and yet the talking heads continue to say inflation is tame and under control. Certainly not the case with interest rates rising significantly.
by zvez
Mon Sep 04, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to withdraw from traditional IRA
Replies: 8
Views: 1605

Re: Best way to withdraw from traditional IRA

ha! yeah, that was a senior moment my vanguard account is already linked to my bank.
by zvez
Mon Sep 04, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Best way to withdraw from traditional IRA
Replies: 8
Views: 1605

Re: Best way to withdraw from traditional IRA

Thanks very much for the reply guys. It would seem it's just down to determining how many years in cash I'm comfortable with. I do like the thought of a short term bond fund to park some of that cash in as well, not as risky as leaving invested and yet would tend to generate more income than a MM.
by zvez
Mon Sep 04, 2017 10:20 am
Forum: Personal Investments
Topic: Is it worth looking into 'put options'?
Replies: 10
Views: 1465

Re: Is it worth looking into 'put options'?

it's considered speculation and also would involve market timing and really isn't within the bogleheads buy and hold strategy.

I used to trade alot of option in the past before I moved everything into vanguard to make life simpler and risk smaller, it can be very rewarding but you can also lose.
by zvez
Mon Sep 04, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Best way to withdraw from traditional IRA
Replies: 8
Views: 1605

Best way to withdraw from traditional IRA

I've done search on line as well as here and didn't find the answer I'm looking for. About 90% of my assets are now at vanguard (moved my 401ks from previous employers) in a traditional IRA. I'm retiring at 59 1/2 in two years time. My question. When I calculate how much I plan to withdraw monthly. ...
by zvez
Wed Jul 06, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Timing bond fund purchase?
Replies: 23
Views: 1778

Re: Timing bond fund purchase?

The only thing possibly to consider. For instance the VBTLX fund. If you want to get the full monthly dividend you have to invest on the first of the month or earlier. Otherwise it's pro-rated.
by zvez
Wed Jun 29, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 14441

Re: For those that "buy" during stock market downturns...

Seems like market timing to me which is anathema to bogleheads?
by zvez
Fri Jun 03, 2016 7:12 pm
Forum: Investing - Theory, News & General
Topic: Recession hitting within next twelve months...
Replies: 31
Views: 6179

Re: Recession hitting within next twelve months...

Only watch CNBC for entertainment purposes. Big mistake to listen to the talking heads.
by zvez
Sun May 29, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: Books on Options
Replies: 57
Views: 4071

Re: Books on Options

You could consider covered call writing on the SPY you already own. You can do varying terms, generate income, not tying up capital, plus you get the dividends quarterly as well. Been doing this for years. The downside is the stock is called away. But then you just buy the stock back on weakness, be...
by zvez
Sun Mar 13, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: 401k shut down, rolled over into traditional IRA
Replies: 4
Views: 746

Re: 401k shut down, rolled over into traditional IRA

yep pretty much what I was going to do. The real plus is around $200k was in PARHX (it was the half of the account I couldn't self manage due to our plan requirements) and it had an obscene expense ratio of around 1.2%, So now I can put ALL of the 401k into VXTX with it's fractional E/R so I'm up a ...
by zvez
Sun Mar 13, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: 401k shut down, rolled over into traditional IRA
Replies: 4
Views: 746

401k shut down, rolled over into traditional IRA

SO I did a search and couldn't find a specific mention of this but I'm inept at searches. Our hospital was bought out, the new corporation terminated our 401k that was thru metlife. Metlife is rolling the funds over either to the new group (Wells Fargo). Looking at the limited fund choices (and self...
by zvez
Mon Nov 09, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: The 60/40 stock-and-bond portfolio mix is dead in 2016?
Replies: 34
Views: 10302

Re: The 60/40 stock-and-bond portfolio mix is dead in 2016?

glad I 'm not the only one that thought this article missed the mark. I'm actually 50/50 and have been for a few years. This is what works for me. I sleep better at night. The article was a bit confusing that I've for the most part viewed bonds as protecting that percentage of your investment, not t...
by zvez
Fri Feb 27, 2015 5:14 pm
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 6393

Re: Not "Staying the Course"

I don't really use the target date in considering my allocation, more if the breakdown of stocks/bonds/international meets my requirements. Should the allocation change drastically or I change my goals I'd just move into another target date fund that has what I need. Well... if you own Vanguard targ...
by zvez
Tue Feb 10, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard target date asset allocation
Replies: 23
Views: 3565

Re: Vanguard target date asset allocation

You have to completely ignore the "target date" 2020 2025 etc and study the breakdown of stocks, bonds, international etc. They're far too agressive at least for me, I'm retiring in another 4 years at 59. 1/2. and I'm in target 2015 because I like the roughly 50% allocation of equities for me. What ...
by zvez
Thu Jan 22, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 6306

Re: good time to invest in a Reit Index fund?

so when is a good time to consider reits as part of a portfolio. I'm 54 and plan on retiring at 55, would their ever be a case?

Also, REITS are interest rate sensitive. But with Europe apparently in/nearing deflation, is the fed realistically going to raise rates this year?
by zvez
Wed Jan 07, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: Bonds had a pretty good year in 2014?
Replies: 11
Views: 2007

Re: Bonds had a pretty good year in 2014?

at the beginning of 14 they were predicting a bond meltdown, glad they were wrong.
by zvez
Tue Dec 30, 2014 1:56 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - are they the AA you would choose?
Replies: 32
Views: 4429

Re: Target Retirement Funds - are they the AA you would choo

absolutely spot on. Also, the AA varies for different fund families wildly. For me, I'm retiring in about 5 years (59.5) so right now my AA is roughly 50/50. To get the AA I like I've gone with Vanguard 2015 target date fund. I'll revisit the AA to make sure it stays where I want it. The date is not...
by zvez
Mon Nov 17, 2014 7:46 pm
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 4612

Re: Glidepath (target date) investments distort asset alloca

perhaps I'm not using target date correctly. But I actually choose the target date fund for my risk tolerance (I'm 54 but my risk tolerance is low as I'm retiring in the next three or four years). I look at the allocation of international and domestic equities and bonds. to that end I'm in Vanguard ...
by zvez
Mon Sep 22, 2014 8:06 pm
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 8867

Re: Why I sold my gold, and would sell commodities too

Browser,
Did you own physical gold or etfs? If ETF, what one did you use.
I've no commodity exposure at all, but am just curious. It seems like physical gold has lots of pitfalls, ie liquidating, added costs of liquidating, getting a buyer to pay close to market price etc.

Thanks
Chris
by zvez
Mon Mar 17, 2014 4:33 pm
Forum: Investing - Theory, News & General
Topic: Target date retirement funds
Replies: 20
Views: 2671

Re: Target date retirement funds

I don't pay any attention to the target date on the fund. I assess based on allocation of bonds, stock and international and domestic. I'm actually probably overly conservative, but I sleep better at nite. I'm presently 50% in vanguard 2015 fund and 50% in trp 2015 fund. Moved into these a couple ye...
by zvez
Wed Jan 15, 2014 3:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 6290

Re: Larry Kudlow bad advice on bonds

Kudlow is is an economist, why would anyone listen to him for investment advice, certainly no better than Suze Orman or others out there.
by zvez
Fri Jan 03, 2014 7:58 pm
Forum: Investing - Theory, News & General
Topic: 2013: a bad year for pimco
Replies: 26
Views: 4318

2013: a bad year for pimco

Tough going for pimco in 13.

http://www.cnbc.com/id/101309088
by zvez
Tue Dec 31, 2013 12:12 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Ratings Vanguard vs. TRP target date funds
Replies: 10
Views: 953

Re: Morningstar Ratings Vanguard vs. TRP target date funds

ding ding ding..... kinda seems like that!
livesoft wrote:I think the main reason might be that TRowePrice advertises more on the M* web site than Vanguard does.
by zvez
Tue Dec 31, 2013 11:50 am
Forum: Investing - Theory, News & General
Topic: Morningstar Ratings Vanguard vs. TRP target date funds
Replies: 10
Views: 953

Re: Morningstar Ratings Vanguard vs. TRP target date funds

Oh I agree wholeheartedly, I guess my question is what does morningstar use in determining star rating (I'm sure it's incredibly complex). All the trprice target funds seem to have a five star rating and the vanguards three, guess I'm just wondering why. One cannot compare performance on Target Reti...
by zvez
Tue Dec 31, 2013 11:38 am
Forum: Investing - Theory, News & General
Topic: Morningstar Ratings Vanguard vs. TRP target date funds
Replies: 10
Views: 953

Morningstar Ratings Vanguard vs. TRP target date funds

SO I'm curious. I have TR Price 2015 target date fund(parhx return thru nov 30 is 13.03%) in my hospital 401k (it's only choice in target retirement). In my 401 self-managed I have Vanguard target date 2015 (vtxvx reutrn thru nov 30 is 12.03%). ER for vanguard is a tiny fraction of what it is for th...
by zvez
Sun Dec 29, 2013 5:16 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 5591

Re: Are Bogleheads "robots with Excel Spreadsheets?"

I think they're capable but concerned too much with the next version of xbox, big screen tv etc. and actually spend more time on researching that than on any retirement plan. I work with intelligent educated people yet many of them have no clue about how to plan for retirement, many of my friends in...
by zvez
Sat Dec 28, 2013 5:51 am
Forum: Investing - Theory, News & General
Topic: Guaranteed 6.5% return [US postage rate increase]
Replies: 38
Views: 5308

Re: Guaranteed 6.5% return [US postage rate increase]

[OT comments removed by admin LadyGeek] Also do away with saturday delivery. I get so little meaningful mail, I don't need ll bean or orvis catalogs on sat. I can wait til monday. ;)
by zvez
Tue Dec 24, 2013 6:38 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds vary company to company
Replies: 38
Views: 3793

Re: Target Date Funds vary company to company

High expense ratio? According to the prospectus it's .69% which is higher than comparable vanguard trf. I do have parhx trp2015 tho because it's the only choice in my 401k, and I'm only allowed to keep half my 401k in a separate brokerage account (td ameritrade and it's all in vanguard 2015) i have ...
by zvez
Thu Dec 12, 2013 5:43 pm
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 12808

Re: Poor PenFed Reviews

coast rider you may be right. It may be different for cd accounts, as others suggest, you can transfer to your pfcu account and then to your bank as needed
by zvez
Mon Dec 09, 2013 6:51 pm
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 12808

Re: Poor PenFed Reviews

that's not true. you can electronically transfer between your bank account and pfcu in either direction. :annoyed I've been a member for a dozen years. I am constantly having difficulty logging onto my account. In fact, I can't access my account at all. Customer service has never been able to solve ...
by zvez
Sat Dec 07, 2013 1:59 pm
Forum: Investing - Theory, News & General
Topic: Leaps [Long-term Equity AnticiPation Securities]
Replies: 5
Views: 760

Re: Leaps

I'll be interested in seeing thoughts on this too. At the beginning of each year I buy a 100 shares of SPY. and sell a leap. I just recently did this. I bought 100 spy at about 179 a share, turned around and sold a january 2015 leap at $185 for $8.50 a share. When you add in the dividends over the c...
by zvez
Sat Dec 07, 2013 1:46 pm
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 12808

Re: Poor PenFed Reviews

Been with penfed since my dad opened an account for me as a teenager probably 40 years ago. I do all my loans thru them, as well as savings. Always been first rate service. I'm mulling over going into cds with them next year. I got a home equity loan from them several years ago (house had no mortgag...
by zvez
Sun Dec 01, 2013 5:54 pm
Forum: Investing - Theory, News & General
Topic: Opening open a vanguard/ameritrade account
Replies: 14
Views: 793

Re: Opening open a vanguard/ameritrade account

downside with that is the student loan rates have increased now and could very possibly end up costing more than using your own money that you placed in the market. Seems like the time horizon doesn't lend itself to buying stocks when you'll be needing it during the 7-8 year period. well yea it is. ...
by zvez
Sun Dec 01, 2013 5:50 pm
Forum: Investing - Theory, News & General
Topic: when is an annuity a good option?
Replies: 35
Views: 2823

Re: when is an annuity a good option?

thanks again to all, for the exc replies to this thread, I'm starting to learn more about annuities!
Chris
by zvez
Sat Nov 30, 2013 5:11 pm
Forum: Investing - Theory, News & General
Topic: when is an annuity a good option?
Replies: 35
Views: 2823

Re: when is an annuity a good option?

Reading the Quinn article. I guess one thing I worry about is the insurance company that underwrites the annuity goes out of business? I'm guessing nothing protect a consumer from that? So you'd have to choose wisely.
Chris
by zvez
Sat Nov 30, 2013 5:06 pm
Forum: Investing - Theory, News & General
Topic: when is an annuity a good option?
Replies: 35
Views: 2823

Re: when is an annuity a good option?

thanks to all who took the time to reply, youv'e given me some exc. info and I need to look at this more in depth, I certainly have some years boefre i need to do anything.

Thanks again!
Chris
by zvez
Sat Nov 30, 2013 7:06 am
Forum: Investing - Theory, News & General
Topic: when is an annuity a good option?
Replies: 35
Views: 2823

when is an annuity a good option?

I did some reading on here and on the net about annuities. I've always thought them to be a bad thing. When would it be a good option. Specifically I looked at single premium annuities, which you make a one time payment and are guaranteed a return. My situation is I'm married, presently 53 and wife ...
by zvez
Mon Jun 17, 2013 5:17 pm
Forum: Investing - Theory, News & General
Topic: How to be unhappy
Replies: 45
Views: 5758

Re: How to be unhappy

this worked for me as well. Not nearly as concerned about daily fluctuations, BUT you'd have to live under a rock not to know how the market is doing, as it's covered all over the place. Days when the market swoons, it's headlines on dinnertime news. and "Corrections" are always thoroughly covered. ...