Search found 136 matches

by mongstradamus
Sat Feb 22, 2020 6:35 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard difference for taxable account?
Replies: 23
Views: 2039

Re: Fidelity vs Vanguard difference for taxable account?

The one thing I like about vanguard over fidelity is the money market accounts , it may be something quite minor but the money market accounts at fidelity all have expense ratios hovering around .42% vs .16% with vanguard. That is for the prime money market accounts.
by mongstradamus
Wed Jan 22, 2020 8:32 am
Forum: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 82
Views: 9546

Re: Fidelity, Schwab, or Vanguard

I think it has to with not being able to own fidelity zero expense ratio in any other brokerage houses other than fidelity, so if you want to leave fidelity and are in a taxable account you have to sell them all which is a taxable event.
by mongstradamus
Wed Jan 15, 2020 10:40 pm
Forum: Investing - Theory, News & General
Topic: Do you like CHEAP active funds? Which ones?
Replies: 21
Views: 1508

Re: Do you like CHEAP active funds? Which ones?

I like Wellington and Wellesley a lot. i dont own them but their historical records are amazing Personally don’t have any active funds , but i set up Wellington for my mothers ira , it has been perfectly fine for her. I also have her in RLBGX, American fund balanced fund. It has a decent expense ra...
by mongstradamus
Thu Jan 02, 2020 9:53 pm
Forum: Personal Investments
Topic: Fidelity zero expense funds
Replies: 10
Views: 1305

Re: Fidelity zero expense funds

The only reason I could see not buying it is because it’s not entire market and that it can’t be owned anywhere else other than fidelity. I personally went with fskax, their total market fund, at fidelity in my Ira . It has .015% expense ratio and it is closer to total market fund I think it has 100...
by mongstradamus
Fri Dec 27, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: Is total world bond safer than US treasuries?
Replies: 140
Views: 7998

Re: Is total world bond safer than US treasuries?

Number of those 117 treasuries which present a concern for me, re:defaulting: 0 What if the U.S. government defaults on all the treasuries? Something like what happened in Venezuela. How would total world bond respond? For me personally if something happened where US government defaulted on their t...
by mongstradamus
Thu Dec 26, 2019 11:06 pm
Forum: Investing - Theory, News & General
Topic: TD vs 3 Fund
Replies: 5
Views: 879

Re: TD vs 3 Fund

Don’t most target date also include international bonds that aren’t included in most 3 fund portfolios? You can maybe look at static asset allocation funds to compare performance like vanguards lifestrategy funds or fidelity four in one. On the surface the one thing I notice with 3 fund portfolio yo...
by mongstradamus
Thu Dec 26, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: Is total world bond safer than US treasuries?
Replies: 140
Views: 7998

Re: Is total world bond safer than US treasuries?

Isn’t vsigx, the index version of intermediate treasuries , the closest you can get to 100 percent treasuries.
by mongstradamus
Wed Dec 25, 2019 5:00 pm
Forum: Personal Investments
Topic: Pros/Cons of MMF vs Short Term Treasury Index MF
Replies: 9
Views: 1502

Re: Pros/Cons of MMF vs Short Term Treasury Index MF

FUMBX, fidelity short term treasury index has a durtion of 2.6 years so the comparison between them isn’t exactly fair. Alternatively if you aren’t adverse to ETF , there is 1-3 month treaasruy , BIL, that has slightly higher expense ratio of .14% that could potentially be another option.
by mongstradamus
Tue Nov 12, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 18
Views: 2744

Re: VTWAX/VTWSX availability at Fidelity

Let me give that a try with the following combination: FZROX: Fidelity ZERO Total Market Index Fund FZILX: Fidelity ZERO Total International Index Fund FMBIX: Fidelity Municipal Bond Index Fund If that's all in a taxable account, I wouldn't recommend the ZERO funds. They are not portable. Fidelity ...
by mongstradamus
Tue Oct 22, 2019 5:26 pm
Forum: Personal Investments
Topic: IRA Money Market Funds
Replies: 8
Views: 543

Re: IRA Money Market Funds

Have you thought about rolling 1 week tbills , there is no expense ratio that you have to deal with. While the rates are dependent on the fed , they aren’t horrible. You can buy them up at most brokerage houses I believe? I am not sure if td ameritrade lets you buy them I know i have bought tbills a...
by mongstradamus
Thu Oct 10, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 10850

Re: Fidelity to $0 Commissions

I'm curious -- how many Fidelity customers here are planning to switch from Fidelity TSM ETFs/MFs into VTI now? I was one of those who traded all of my SPTM in my TDA HSA for VTI :D but don't know if I'll do the same in Fidelity... I am personally sticking with Fidelity mutual funds, Its just much ...
by mongstradamus
Sun Oct 06, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank joined others with $0 commission
Replies: 11
Views: 2062

Re: Ally Bank joined others with $0 commission

I have a Roth IRA with them. Seems like it is only for CDs, no? No. You can buy anything you want. Make sure you are looking at Ally Invest... not the banking part of the site. https://www.ally.com/invest/ I've long used their high yield savings, so just opened the Roth for convenience. Can transfe...
by mongstradamus
Sat Oct 05, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Ally Bank joined others with $0 commission
Replies: 11
Views: 2062

Re: Ally Bank joined others with $0 commission

Why doesn't Ally offer brokerage for IRA? I have a Roth IRA with them. Seems like it is only for CDs, no? No. You can buy anything you want. Make sure you are looking at Ally Invest... not the banking part of the site. https://www.ally.com/invest/ I've long used their high yield savings, so just op...
by mongstradamus
Mon Sep 30, 2019 9:31 pm
Forum: Personal Investments
Topic: Best Place To Park Cash?
Replies: 17
Views: 3929

Re: Best Place To Park Cash?

Have you thought about 4 week tbills to park cash, you can do 100-1000 at treasury direct or 1000+ at any of the major brokerage houses. The latter is a better experience, but treasury direct is definitely doable just need to be patient. I believe schwab prime money market yield is 1.84 , while the ...
by mongstradamus
Mon Sep 30, 2019 11:13 am
Forum: Personal Investments
Topic: Vanguard has almost no funds with $1k minimums??
Replies: 24
Views: 1826

Re: Vanguard has almost no funds with $1k minimums??

I'm trying to help her learn about stock investing AND controlling costs. Thus, I'd like as low an ER as possible so she can understand how this impacts performance. I realize that the difference b/w .13 and .05 is next to nothing on $1000 but it's the principle. Then why not go to schwab or fideli...
by mongstradamus
Thu Sep 26, 2019 10:48 am
Forum: Personal Investments
Topic: Fidelity money market fund
Replies: 20
Views: 3132

Re: Fidelity money market fund

I'm a Fidelity fan but their MM funds aren't the best - I use VUSXX (Treasury MM) at Vanguard to park cash, currently 1.95% compound yield without having to mess with ladders and TBills directly (no offense to those who do). I am still nooby with this kind of stuff I just split my up with 4 week tb...
by mongstradamus
Thu Sep 26, 2019 10:43 am
Forum: Personal Investments
Topic: MassMutual
Replies: 8
Views: 756

Re: MassMutual

I may be switching jobs soon to a company that uses MassMutual for 401k.. Does anyone know if the options are specific to each company? Or are the options the same for all individual companies that use MassMutual... And if the same for all companies does anyone have a current list of options? Thank...
by mongstradamus
Sun Sep 22, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 8560

Re: American Funds vs Vanguard

American Funds products are often included in 401K and other DC retirement plans. The expense ratios often are not excessive for active funds, often in the 50-60 bp/yr range. Most are well run funds. Disregard their overhyped marketing, and look at the strategy employed by the funds if considering....
by mongstradamus
Sun Sep 22, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 45
Views: 5861

Re: American Funds Propaganda. Help me understand.

American Funds aren't bad at all, one could do a lot worse. The killer is the idea of paying someone nearly 6% load on every buy. That's revolting. I agree that some of their funds aren't the worst thing in the world if their expense ratios are in check. For example my mom has their balanced fund i...
by mongstradamus
Sun Feb 03, 2019 2:21 pm
Forum: Personal Investments
Topic: newbie bond allocation question
Replies: 2
Views: 276

newbie bond allocation question

401k I have has changed with the options that I have available to me. I finally have a low-cost option with VAIPX, vanguards inflation protected securities fund. The issue I had when I looked at it is it only holds 41 bonds but they are treasury inflation indexed bonds, so i assumed they are pretty ...
by mongstradamus
Sun Jan 13, 2019 10:42 pm
Forum: Personal Investments
Topic: New 401k options for mom
Replies: 1
Views: 227

New 401k options for mom

My mom asked me to look at her new 401k options that are available to her at work . Before i had her set up with a basic s&p 500 index fund and a stable value fund. Now her options are changing and I am trying to decide which is the better option. Option 1: American balanced fund expense ratio .28% ...
by mongstradamus
Thu Jan 03, 2019 3:55 pm
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 15025

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

Would not it be expected that a 65/35 fund (VWELX) would do better than a 60/40 fund (VBIAX) when stocks go up and do worse when stocks go down. I would not use either in a taxable account. Not a fund I use but Tax Managed Balanced fund would make more sense in a taxable account than of the other t...
by mongstradamus
Sat Dec 29, 2018 12:57 pm
Forum: Personal Investments
Topic: Best place to park funds needed in one year
Replies: 13
Views: 1465

Re: Best place to park funds needed in one year

I am curious how a 1 year Tbill would compared to 1 year CD with taxes. Since at 1 year I think they are still very similar, but CD are taxed on both state and federal and Tbills aren’t ? Am i correct in that assumption?
by mongstradamus
Thu Dec 20, 2018 10:48 am
Forum: Personal Investments
Topic: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]
Replies: 19
Views: 4261

Re: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]

How does Vanguard federal money market (VMFXX) which is the settlement account differ from Vanguard treasury money market (VUSXX)- the yields appear to be nearly identical (2.24% for VMFXX and 2.25% for VUSXX) - why not just use the settlement account rather than opening up the treasury money marke...
by mongstradamus
Tue Dec 18, 2018 8:11 pm
Forum: Personal Investments
Topic: Where to put cash?
Replies: 9
Views: 1452

Re: Where to put cash?

For cash like investments i would look at Vanguard Prime Money Market fund, a HYSA that is > 2% , or 1 month tbill they are around 2.35%. All those options are pretty liquid in case you need the money immediately. The thing with bond funds wherther its a total bond of muni fund they can fluctuate qu...
by mongstradamus
Sat Dec 15, 2018 8:54 pm
Forum: Personal Investments
Topic: Where to put my money.
Replies: 4
Views: 939

Re: Where to put my money.

Any particular reason you don't want to go for a total market etf , Vanguard has VTI, and schwab has SCHB. It practically covers the entire US stock market. As far as the differences i think the only difference maybe .01 on their expense ratios which is pretty much nothing. If you go vanguard route,...
by mongstradamus
Sat Dec 15, 2018 2:51 am
Forum: Personal Investments
Topic: Curious on how total market funds are constructed
Replies: 8
Views: 815

Re: Curious on how total market funds are constructed

Thank you for the clear explanation , i must not have been reading the holding properly when i was looking at them. Vanguard probably still lists AAPL as the top holding because they are reporting the portfolio from the end of October. I suspect that is what you saw. Yes I think that was the issue,...
by mongstradamus
Fri Dec 14, 2018 3:07 pm
Forum: Personal Investments
Topic: Curious on how total market funds are constructed
Replies: 8
Views: 815

Re: Curious on how total market funds are constructed

Thank you for the clear explanation , i must not have been reading the holding properly when i was looking at them.
by mongstradamus
Fri Dec 14, 2018 2:21 pm
Forum: Personal Investments
Topic: Curious on how total market funds are constructed
Replies: 8
Views: 815

Curious on how total market funds are constructed

I think i need a better understanding of how total stock market index funds work. I was just curious since apple no longer has largest market cap , how do funds like vti, schb, Itot, etc determine percentage of holdings in their funds. Shouldn’t Microsoft and amazon have higher percentage of holding...
by mongstradamus
Sun Dec 02, 2018 12:51 pm
Forum: Personal Investments
Topic: Total US market by market cap
Replies: 3
Views: 464

Re: Total US market by market cap

I think the easiest way is probably to go to morningstar and enter in vtsax and click portfolio tab. There should be a market cap break down. I think they are broken into Giant, large, medium, small and micro. I hope that is what you were looking for.
by mongstradamus
Mon Nov 26, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Anyone invest in Vanguard's Health Care Fund?
Replies: 20
Views: 2805

Re: Anyone invest in Vanguard's Health Care Fund?

I had a few shares of VHT, vanguard health care etf, a few years back just wanted to see what it would be like to own such a volatile etf. I got out of while it was doing quite well and bought vti instead
by mongstradamus
Wed Nov 21, 2018 3:50 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35863

Re: You Invest by JP Morgan Chase

I was perusing their site and was wondering what the 100 commission free etfs are ? I couldn’t find them on the site anywhere. It's not 100 commission free ETFs but 100 commission free trades (stocks and etfs): 1. Standard account: 100 commission free trades 2. Chase Premier Plus Checking: 100 comm...
by mongstradamus
Tue Nov 20, 2018 12:09 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35863

Re: You Invest by JP Morgan Chase

Here is the list of funds available on the platform: https://am.jpmorgan.com/blob-pbstudio/1383554788690/83456/self_directed_mutual_fund_list.pdf . Most, if not all, Vanguard money market funds are available (Vanguard Prime Money Market Inv, Vanguard Federal Money Market Inv, Vanguard Municipal Mon...
by mongstradamus
Fri Aug 03, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 30402

Re: Treasury Bonds are the Only Bonds You Need

[/quote] So I officially don't know what to think. I'm a mid-30s investor, 80/20 allocation, 25-30 year horizon, 67% tax-advantaged / 33% taxable. Currently in TBM. Given the aforementioned, should I tilt more / all towards intermediate-term treasuries? TBM is 65% treasuries already if I'm not mista...
by mongstradamus
Tue Jul 31, 2018 6:23 am
Forum: Personal Investments
Topic: Which Vanguard fund is best to tilt to SCV?
Replies: 16
Views: 3162

Re: Which Vanguard fund is best to tilt to SCV?

I don't know if there is an exact answer for best option, but I can tell you I used viov for my SCV tilt only because i wanted a full scv tilt. VBR had a bit too much mid caps for my liking.
by mongstradamus
Sun Oct 15, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 77617

Re: Fellow TDA bogleheads

I was just looking at tda because of this thread, what would people use if they get rid of vanguard. Namely what would they use to replace VTI? I couldn't really find anything unless you use a bunch of ishares etfs maybe to replicate an all market etf. edit: I guess, IWV ishares russell 3000 could b...
by mongstradamus
Mon Oct 09, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Options
Replies: 2
Views: 578

Re: Vanguard International Index Options

archerydoc wrote:
Mon Oct 09, 2017 4:21 pm
What is the difference between the Vanguard Total International Stock Index (VTIAX) and FTSE All-World ex-US Index (VFWAX)?
Any valid reasons to choose one over the other?
Vtiax has international small cap .
by mongstradamus
Sun Oct 08, 2017 11:24 am
Forum: Personal Investments
Topic: Small cap ETF, differernce between VB and IJR
Replies: 4
Views: 2502

Re: Small cap ETF, differernce between VB and IJR

I own some shares of viov, which is vanguards s&p 600 value fund, the reason I picked it over over VBR, vanguards small cap value fund, is that in my mind viov is all small cap , while vbr has a lot of midcap in comparison.
by mongstradamus
Sun Sep 10, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 76675

Re: Equifax customer information leak

You can get "free credit freeze" with equifax if your accounts were compromised that is what i did , I also did the pay option for TU and EX though. Equifax wanted a credit card to get this "free" protection. You are on auto renew and have to opt out. You must also now send a real paper letter to E...
by mongstradamus
Sun Sep 10, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 76675

Re: Equifax customer information leak

So here's what I've done, and already done Already done (before the breach): - Download all my financial institution information into Quicken every day, so I can watch for abnormalities - Use creditkarma every few weeks to monitor any changes - Use LastPass pronounceable passwords for the answers t...
by mongstradamus
Sat Sep 09, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 76675

Re: Equifax customer information leak

OK, many of us have locked our credit with Equifax. All of our information has been compromised, even the pin to unlock the credit. I wonder if Equifax has a procedure in place to notify people if someone tries to unlock their credit. If Equifax does not have that in place, it needs to do it immedi...
by mongstradamus
Wed Sep 06, 2017 10:42 am
Forum: Personal Investments
Topic: Vangard Index Fund through Merrill Edge
Replies: 28
Views: 7411

Re: Vangard Index Fund through Merrill Edge

bear with me because I don't know anything (yet) - but what does using an index fund in ETF form practically mean for me? In most cases etf aren't all that different from mutual funds, the only caveat is that you have to buy entire shares of etfs as opposed to mutual funds where you can just throw ...
by mongstradamus
Sun Aug 27, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 5737

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

"Best" is a loaded term, but risk is usually measured in standard deviation. Downside risk is usually measured with maximum drawdown (percentage drop from peak to trough). Over the last 45 years, SCV has had both a higher standard deviation than TSM, along with a higher max. drawdown. Thank you for...
by mongstradamus
Sun Aug 27, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 5737

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

[quote=willthrill81 post_id=3509067 time=1503855933 user_id=116799 "Best" is a loaded term, but risk is usually measured in standard deviation. Downside risk is usually measured with maximum drawdown (percentage drop from peak to trough). Over the last 45 years, SCV has had both a higher standard de...
by mongstradamus
Sun Aug 27, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 5737

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

I have a very noobie question, what are the best metrics you use or anybody in general should use to measure downside risk or risk in general ? A lot of this seems to be going over my head
by mongstradamus
Thu Aug 24, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 71
Views: 18019

Re: Amazed by Vanguard Wellington's Performance

I was looking at wellington numbers compared to the other "popular balanced funds", like puritan, fidelity balanced, and vanguard balanced index. Wellington seems to best them with relatively less risk when compared to the fidelity funds. I am not exactly sure how they do it for such long period of ...
by mongstradamus
Mon Aug 21, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 8652

Re: Mike Piper and CDs

It depends on which bond fund you are talking about. CDs are just as safe as treasuries and have better rates than treasuries with the same maturity, so for the portion of any bond fund that is in treasuries, CDs are obviously better. If you wanted to mimic the total bond market fund and get a slig...
by mongstradamus
Fri Aug 11, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)
Replies: 56
Views: 8210

Re: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)

I wanted to ask a sort of silly question by how much of a difference between is there between 97% treasuries and 100% treasuries is, isn't vfitx and vsigx around 97-98 % treasuries already ?
by mongstradamus
Wed Aug 09, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)
Replies: 56
Views: 8210

Re: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)

I think the end game here is they merge the active treasury funds into the new index treasury funds They may keep them seperate like they do with their investment grade and corp bond fund? They still have vfsux and vficx on the active side vs vcsh and vcit which are passive fund. Only time will tel...
by mongstradamus
Tue Aug 08, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)
Replies: 56
Views: 8210

Re: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)

What is the difference between the new funds and the old Treasury Index funds (VFISX, VFITX, VUSTX). I thought including GNMAs was one of the factors that made VSIGX different. How will the new Treasury Funds differ from the old Treasury Index Funds? Vfitx is active fund I believe which is main dif...