Search found 2556 matches

by xenial
Thu Sep 10, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: How to invest in commodity as a buy&hold investor?
Replies: 15
Views: 1041

Re: How to invest in commodity as a buy&hold investor?

Precious metals are easily purchased in physical form or through ETFs that hold the actual metals. Unfortunately, exposure to other commodities requires use of futures contracts or investment in common stocks of the producers. I'm not sure if commodities are a good hedge against inflation anymore. S...
by xenial
Sat Sep 05, 2020 11:47 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8714

Re: Wife is "forcing" me to buy stock(s)

You might as well choose something interesting. I'd go with Compugen (CGEN), an Israeli biotech company working on cancer immunotherapies.
by xenial
Thu Aug 27, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17576

Re: Vanguard Makes Changes to its Money Market Funds - What's Best Now?

I'm surprised Vanguard didn't just merge Prime Money Market into Federal Money Market. The new "Cash Reserves Federal Money Market" is almost identical to the existing Federal Money Market. I guess it's 1 bp cheaper and doesn't allow checkwriting, but I don't see any other differences.
by xenial
Sat Aug 22, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Bond ETF (BSV)
Replies: 8
Views: 664

Re: Vanguard Short-Term Bond ETF (BSV)

I actually owned it but I recall its name being the Naess Thomas Small Cap Fund. I owned it through Vanguard and my recollection is that it had that name with Vanguard for several years until it became Vanguard's small cap index fund. Very close! According to the 1993 annual report for the Vanguard...
by xenial
Thu Aug 06, 2020 11:59 am
Forum: Personal Investments
Topic: Eternal question - safest yet best return?
Replies: 3
Views: 362

Re: Eternal question - safest yet best return?

Your best bets are online banks' high yield savings accounts, no-penalty CDs, or one year CDs. For example, Ally's online savings account currently pays 1% APY and is (of course) FDIC insured. Prime Money Market's SEC yield is down to 0.09%. Depositaccounts.com is a great source for bank and credit ...
by xenial
Sun Aug 02, 2020 12:40 am
Forum: Investing - Theory, News & General
Topic: What is going on with short-term taxable bonds?
Replies: 31
Views: 3763

Re: What is going on with short-term taxable bonds?

Vanguard's reported SEC yields are suspect. The corporate ETFs are especially funky. As of 7/29, Short Corporate (VCSH) yields 1.00%, Intermediate Corporate (VCIT) yields 1.75%, Long Corporate (VCLT) yields 2.83%, and Total Corporate (VTC) yields 3.05%. The problem is that Total Corporate invests ex...
by xenial
Tue Jul 28, 2020 8:27 am
Forum: Personal Investments
Topic: Fund transfer from Vanguard to my CU
Replies: 8
Views: 574

Re: Fund transfer from Vanguard to my CU

You are permitted to transfer from an external account to your CU account up to: $2,500.00 per 1 day, $2,500.00 left $10,000.00 per 30 days, $10,000.00 left $2,500.00 for use immediately You are permitted to transfer to an external account from your CU account up to: $2,500.00 per 1 day, $2,500.00 ...
by xenial
Tue Jul 28, 2020 8:17 am
Forum: Personal Investments
Topic: Fund transfer from Vanguard to my CU
Replies: 8
Views: 574

Re: Fund transfer from Vanguard to my CU

I routinely transfer funds from Vanguard to my bank. I now want to transfer from Vanguard to a CU where I have CD's. I set it up through Vanguard and everything was simple. Now I see a comment on the CU site that say I am limited to a max $10K transfer of funds, in or out, per 30 days. This is a ne...
by xenial
Tue Jul 07, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 1.25% to 1.10%
Replies: 81
Views: 8833

Re: Ally Bank savings interest rate dropping from 1.25% to 1.10%

I just got an email from Ally. The online savings account APY will be 1.00% effective tomorrow (July 8, 2020).
by xenial
Mon Jul 06, 2020 6:03 pm
Forum: Personal Investments
Topic: I have money to invest
Replies: 2
Views: 383

Re: I have money to invest

I have money that I used to have in a money market account. I would like to be pretty safe with it but at least get 3 or 4% if possible. Any Ideas? Welcome to the Bogleheads forum! Interest rates are very low right now, so you're not even going to get 2% on safe money. Your best bet is to pay off a...
by xenial
Fri Jun 19, 2020 2:32 pm
Forum: Personal Investments
Topic: Corporate Bonds
Replies: 35
Views: 2378

Re: Corporate Bonds

Hi all, New to investing in bonds. Can you suggest some low risk corporate bonds? Also, is now a good time to invest in corporate bonds? Rjs, welcome to the Bogleheads Forum! As the previous posters suggested, buying individual corporates probably isn't a great idea. Bid/ask spreads for small inves...
by xenial
Fri Jun 19, 2020 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 1.25% to 1.10%
Replies: 81
Views: 8833

Re: Ally Bank savings interest rate dropping from 1.25% to 1.10%

Ally has posted new rates . Online savings is still 1.10%, but CDs took a trim: 11 month no penalty is 0.95% (was 1.05%), one year is 1.00% (was 1.10%), and five year is 1.15% (was 1.25%). The fact that the no penalty CD is yielding 15 bp less than online savings doesn't bode well for the latter rat...
by xenial
Fri Jun 12, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard alters some inv grade bond fund restrictions
Replies: 49
Views: 2512

Re: Change to VFSUX (Short Term Investment Grade Fund)

The percentage of medium grade securities in the corporate bond market has been increasing recently, and Vanguard apparently views the 30% limitation as too restrictive. The change could result in higher yields with increased credit risk. As a reference point, Vanguard's short term corporate index f...
by xenial
Wed May 27, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: iBonds and BulletShares - Diversified Corp Bond ETFs with Target Dates
Replies: 9
Views: 748

Re: iBonds and BulletShares - Diversified Corp Bond ETFs with Target Dates

I've been looking at these funds. I have a 5 year brokered CD ladder in my traditional IRA. If CD rates get much lower, I'd consider using an investment grade target maturity bond fund when a CD matures. This would allow me to keep the ladder intact without subjecting myself to a near zero interest ...
by xenial
Fri Apr 24, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Federal Reserve scraps transfer count limits on savings accounts
Replies: 55
Views: 5407

Re: Federal Reserve scraps transfer limits on bank savings accounts

I agree this separation is desirable, but if Ally eliminates the six withdrawal limit, I'll just use two different savings accounts. How is that different from using a checking account and a savings account? I'd be getting higher interest on my transactional account this way, though the difference ...
by xenial
Fri Apr 24, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Federal Reserve scraps transfer count limits on savings accounts
Replies: 55
Views: 5407

Re: Federal Reserve scraps transfer limits on bank savings accounts

With the prevalence of electronic debits, a checking account would only needed if you want physical checks. Everything else, you can direct debit from a savings account. True, but I think it's important to separate the bulk of your savings from your transactional account, i.e. the account you use t...
by xenial
Fri Apr 24, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Outgoing transfer times from Ally Bank
Replies: 6
Views: 370

Re: Outgoing transfer times from Ally Bank

I haven't really kept track of this, but it seems like the transfers I submit on Thursday or Friday take three days. MTW take one day. My guess is it has something to do with the weekend, although I don't know why that should affect the Thursday submits. I should have been clearer in my post. I was...
by xenial
Fri Apr 24, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Outgoing transfer times from Ally Bank
Replies: 6
Views: 370

Outgoing transfer times from Ally Bank

I noticed something interesting today. Outgoing ACH transfers initiated at Ally can take either 1 or 3 days. Mine had always taken 3, despite my being a longtime customer with a substantial balance and no bounced checks or other unpleasantness. I always make outgoing transfers from my Ally checking ...
by xenial
Sun Mar 15, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 116
Views: 9175

Re: Anybody here go all-Linux for personal computing?

I run Xubuntu on my desktop machine. The speed and configurability of XFCE are awesome. I do have a Windows 10 VM, but I almost never fire it up. My other two VMs are Arch, one XFCE and one CLI. They're just for fun. I've taken to running Arch (ARMv7) on my phone within the Termux environment. I'm a...
by xenial
Sun Mar 01, 2020 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1.9% or Vanguard Treasury MM 1.51%? I live in CA
Replies: 36
Views: 3861

Re: Ally 1.9% or Vanguard Treasury MM 1.51%? I live in CA

As the title said... I am at 9.3% tax bracket in CA. Which one will give better interest after tax? Can anyone here show me the calculation? Let's ignore federal tax, because you'd pay it on either investment. 100% - 9.3% = 90.7% (or 0.907): This is the proportion of the Ally CD interest you get to...
by xenial
Fri Feb 28, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Your data are not available at this time. Please try again later.
Replies: 23
Views: 1387

Re: Vanguard: Your data are not available at this time. Please try again later.

I just checked, and my Vanguard cost basis info is available. It was probably a momentary glitch.
by xenial
Wed Feb 05, 2020 10:36 pm
Forum: Personal Investments
Topic: Ally 13 month CD 2.10% (offer good through 3/31/20)
Replies: 22
Views: 3638

Re: Modest No Penalty CD Rate Increase

I just noticed that Ally has increased the APY on its 11 month no penalty CD from 1.85% to 1.90% for $25,000+ balances.
by xenial
Wed Feb 05, 2020 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Free Fillable Forms - "to be determined" forms
Replies: 4
Views: 678

Re: Free Fillable Forms - "to be determined" forms

Available Forms

Form 8995 is expected on Feb 6. Forms 8606 and 8889 are "Coming Soon." :confused
by xenial
Sat Jan 25, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage: Admiral to ETF Conversion
Replies: 23
Views: 1942

Re: Vanguard Brokerage: Admiral to ETF Conversion

what are the pros and cons of this conversion The Bogleheads wiki has a good article on ETFs vs mutual funds . I'm tempted to convert because all but one of my Vanguard Admiral class funds now have ETF share classes with slightly lower expense ratios. I haven't done it yet for two reasons: 1. I dre...
by xenial
Sat Jan 25, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage: Admiral to ETF Conversion
Replies: 23
Views: 1942

Re: Vanguard Brokerage: Admiral to ETF Conversion

Let's say lot A contains exactly 5.6 shares. You can enter online the request to sell 5.6 shares from lot A, along with a request to sell 0.4 shares from some other lot, for a total of 6 shares. As long as the numbers sum to an integer, you're good to go. Can someone who's executed this kind of ETF...
by xenial
Fri Jan 24, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage: Admiral to ETF Conversion
Replies: 23
Views: 1942

Re: Vanguard Brokerage: Admiral to ETF Conversion

2. If you convert noncovered Admiral shares, the resulting ETF shares are noncovered, and Vanguard will continue to report average cost basis to you (not the IRS). No surprise here. actually, my recollection is that when I converted, I got specific cost basis for some noncovered Admiral shares back...
by xenial
Fri Jan 24, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage: Admiral to ETF Conversion
Replies: 23
Views: 1942

Re: Vanguard Brokerage: Admiral to ETF Conversion

4. There is (or for me was) no longer a one-business day disappearance of the converted fund. I called last Friday to convert two positions (VEMAX/Vanguard EM and VMBSX/Vanguard MBS) to their ETF share classes. (The call took 8 minutes from beginning to end.) The ETF shares were visible in our acco...
by xenial
Fri Jan 24, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage: Admiral to ETF Conversion
Replies: 23
Views: 1942

Vanguard Brokerage: Admiral to ETF Conversion

I spoke with a knowledgeable sounding Flagship representative today, and learned some things I think are worth sharing. 1. No online conversion capability is currently planned. The rep said Vanguard is concerned investors would confuse exchanges and conversions, with the potential for bad tax conseq...
by xenial
Wed Jan 22, 2020 9:41 pm
Forum: Personal Investments
Topic: Agency Bonds
Replies: 7
Views: 465

Re: Agency Bonds

I did searches for a 5 year maximum maturity, allowing both callable and noncallable securities. The highest yield to worst (based on ask price) I see is 2.066% for a CD, 1.960% for an agency security. Right now you get very little extra yield for callable versus noncallable. Also, the yield curve i...
by xenial
Wed Jan 22, 2020 4:49 pm
Forum: Personal Investments
Topic: Agency Bonds
Replies: 7
Views: 465

Re: Agency Bonds

elainet7 wrote: Wed Jan 22, 2020 4:24 pm check vanguard for agency bonds and secondary cds
I must be missing something. What maturity are you looking at? Callable or noncallable?
by xenial
Wed Jan 22, 2020 2:07 pm
Forum: Personal Investments
Topic: Agency Bonds
Replies: 7
Views: 465

Re: Agency Bonds

elainet7 wrote: Wed Jan 22, 2020 1:58 pm not really think the opposite
Interesting. What broker are you using? My comment was based on Vanguard brokerage's offerings.
by xenial
Wed Jan 22, 2020 1:47 pm
Forum: Personal Investments
Topic: Agency Bonds
Replies: 7
Views: 465

Re: Agency Bonds

Brokered CDs seem to offer higher yields than agency bonds of similar maturity, and you also get FDIC insurance.
by xenial
Wed Jan 15, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8522

Re: VG Monthly Statements Are HORRIBLE!

Taylor Larimore (who hopefully will see this thread) had mentioned he retains only the last three years of statements. I noticed Vanguard just deleted a bunch of years on the website for us. Our once a year statement for mutual fund accounts has more information than we need. At one time I used to ...
by xenial
Wed Jan 08, 2020 1:03 am
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5458

Re: My Wishlist for Vanguard

. . . Aw xenial, ya got my hopes up. I looked at my Security Profile section, and I just see these options: Account permissions User name and password Security code Security key Computer access restrictions Security questions I did check each of those, just to see if the link was lurking within one...
by xenial
Tue Jan 07, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5458

Re: My Wishlist for Vanguard

extend the idle time while logged in from my home computer before auto signing me out of my account. i actually like the website, it gives a clean view of all my accounts and is easy to navigate. You can already do that. Log on and select My Accounts / Account maintenance from the top navigation ba...
by xenial
Sun Jan 05, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5458

Re: My Wishlist for Vanguard

Implement online Admiral to ETF share class conversions.
by xenial
Thu Jan 02, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Free trades and Flagship status
Replies: 21
Views: 1639

Re: Free trades and Flagship status

I read that free stock trades are coming to Vanguard soon. Seems they are getting a taste of their own medicine, low fee pressure from outside. Additionally, unless this turns out to be reserves by tiers of account such as Flagship, no more benefits remain to Flagship. Free trades, Turbo Tax, dedic...
by xenial
Sat Dec 28, 2019 12:54 pm
Forum: Personal Investments
Topic: Expense Ratio, from 0% to .11 %, for Federal Money Market Fund ??
Replies: 16
Views: 1972

Re: Expense Ratio, from 0% to .11 %, for Federal Money Market Fund ??

The expense ratio has been 0.11% for quite a while. It was never 0%. Vanguard occasionally posts erroneous messages of this sort.
by xenial
Mon Oct 14, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2284

Re: weird message from Vanguard re. new 1099

I got the same email, but there was no new 1099. I even checked previous tax years. Vanguard does the darndest things.
by xenial
Tue Jul 16, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 53
Views: 7050

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

JustinR, I think this pdf document provides the information you want: Find out which Vanguard index mutual funds can be converted tax-free to Vanguard ETFs . It lists the 18 traditional funds for which the associated ETFs are cheaper, as well as the 29 with equal expense ratios. Thank you! The only...
by xenial
Mon Jul 15, 2019 10:39 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 53
Views: 7050

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

JustinR, I think this pdf document provides the information you want: Find out which Vanguard index mutual funds can be converted tax-free to Vanguard ETFs. It lists the 18 traditional funds for which the associated ETFs are cheaper, as well as the 29 with equal expense ratios.
by xenial
Fri Jun 28, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: WSJ - Jack Bogle Unpublished Article
Replies: 6
Views: 1756

Re: WSJ - Jack Bogle Unpublished Article

Here's a link to the article in Barrons : The Late Vanguard Founder Jack Bogle on 4 Simple Tips for Successful Investing The article requires a subscription to Barrons. Is there new material in there, something that Mr. Bogle has not said previously regarding these investment principles? Sorry abou...
by xenial
Wed Jun 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any Massachusetts people on ACA subsidy?
Replies: 6
Views: 585

Re: Any Massachusetts people on ACA subsidy?

The ACA cliff is at 400% FPL, not 300%.
by xenial
Sun Jun 09, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2657

Re: Anyone recommend a cheap cell phone service for text and calls?

Tello (Sprint network) has very inexpensive plans, as well as a dirt cheap pay-as-you-go option for light users. I've been happy with them.
by xenial
Fri May 31, 2019 11:06 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 5418

Re: Safety of treasury bonds vs treasury money market

If interest rates go up sharply during your holding period, VSBSX will lose money. Your capital is not 100% guaranteed. That said, you probably won't lose a lot. Right, but then your bonds will yield more so, let's say you actually hold VSBSX for twice the duration (i.e. 4 years), you're then guara...
by xenial
Fri May 31, 2019 10:55 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 5418

Re: Safety of treasury bonds vs treasury money market

Out of curiosity, assuming someone's investing horizon is over 2 years, is a short-term treasury bond fund (e.g. VSBSX ) literally just as safe as a treasury money market fund (e.g. VUSXX ) ? I know the NAV of the bond fund will fluctuate slightly and the returns won't be exactly the same for both ...
by xenial
Thu May 30, 2019 12:12 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1594

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Here is how you can actually see all the rates from Ally, even the promo (Select CD) ones: 1) go to https://www.ally.com/bank/high-yield-cd/ 2) Click on "FAQs" on the navigation bar near the middle(ish) of screen. This will take you 95% of the way to the bottom of that long page. 3) Click on "What ...
by xenial
Wed May 29, 2019 9:05 pm
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1594

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

You might consider the Ally Select 15-Month CD paying 2.80% APY with no minimum deposit. The only way you can see this offer on the Ally website is by starting the process of opening a CD. Ken Tumin believes the 2.80% rate will only last until the end of this month, so you'd probably want to open th...
by xenial
Wed May 29, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 14980

Re: 2% withdrawal rate

At 2% you could hold everything in a checking account or under the mattress and withdraw for 50 years. Overly conservative, for sure. I also believe a 2% withdrawal rate is too conservative, but the mattress approach will only work if there's no inflation. The money would indeed last 50 years if th...