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Comparing 3 month, 6 month and 52 week treasury rates on Fidelity versus Vanguard, it looks like Fidelity can be at least 20 basis points lower rate than Vanguard. Basically, for new issues, does Fidelity actually take a small commission in form of a lower rate? I use CNBC's bond site: https://www.cnbc.com/bonds/ and the Treasury's site : https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202301 to get a sense of what rates are. If you are talking about estimations they are giving for tbills at auctions , fidelity seems to be a lot more conservative with their estimates. Neither usually are correct though when the auction actually happens. You s...

dperkins wrote: ↑Wed Nov 16, 2022 1:34 pm Is there any downside to buying Vanguard non callable CD's? They have the best rate that I've found. Thanks in advance. Looking at the CS or American Express at 4.7 for a year.

I am not sure if any drawbacks but I would also look at treasury for same time period since you are state tax exempt on treasuries I know 52 week tbill most recent was around the same 4.7 percent.

praxis wrote: ↑Wed Nov 16, 2022 1:14 pm Ally currently pays 2.75% APR, is FDIC insured, no minimum to open and no monthly maintenance fee. I learned about it on this forum and tried it about a year ago and linked it to my local bank checking account and to my Vanguard accounts where I sweep dividends into the Ally account.
It only takes a couple days to move money back and forth and Ally has adjusted its rates along with each Fed announcement. It works for me and I use it on the app on my phone.

I personally would use Vmfxx or vusxx at vanguard if you want an cash like option at vanguard. I think vusxx is slightly safer than Vmfxx. Both are close to 3.5 percent right now. Vusxx is also state tax exempt which Vmfxx and hysa aren’t. Just another alternative option.

The one thing I would add in dfa vs Avantis , most of the Avantis people are former dfa employees so I don’t think they should deviate that much from each other imo.

brademac wrote: ↑Wed Nov 02, 2022 6:47 pm I prefer the profitability screen that Avantis incorporates.

I don’t think the Vanguard multi factor has that.

The best two fund portfolio for great diversification in US stocks would be VTI or AVUS partnered with AVUV in my opinion.

With international could do VXUS with AVDV.

Thats kind of what I am doing now 45/30/15/10 with VTI/VXUS/AVUV/AVDV, have thought about going straight AVGE but not sure yet.

Finridge wrote: ↑Fri Oct 28, 2022 1:40 pm

BornInCA wrote: ↑Wed Oct 26, 2022 8:50 pm Long overdue:
https://investor.vanguard.com/investor- ... guard-etfs

Now Vanguard Brokerage needs to allow fractional share purchases of all ETFs and all individual stocks.

Yes, at Vanguard I can now buy and sell fractional shares in Vanguard ETF's, but not in non-Vanguard ETF's such as ITOT. At Fidelity, I can buy an sell and sell fractional shares of ANY ETF and have been able to do that for a while.

Another difference to note is vanguard doesn’t allow limit orders on partial shares of etfs while fidelity does.

A bit off topic from AVGE , but was trying to back test AVUS , but its been around for only two years so you can't really gain any useful information there. I was thinking of using one of the DFA US core equity mutual funds for back testing , but they aren't exactly the same. Wondering how close do you think they are to AVUS, close enough or too far apart to take anything meaningful data from it ? DFA US Core Equity 2 is very similar to AVUS. The ETF version of DFA USCE2 has is new, but the mutual fund version has been around quite awhile. While AVUS has a little more value and profitability slant, and a little less size-slant, they're structure and performance is similar enough that I think the mutual fund version of DFA USCE2 serves as a...

This is an interesting approach, a global fund of funds with beta plus a value/size tilt. It is well suited for those who want ultra-wide diversification in geography (US, DM, and EM) and also wide factor diversification exposure to beta, size, and value. A lot of its results will depend on the fees it will charge and the skill of its management. Skill of management in FOF is key because there are so many decisions to be made: the relative weighting of each of these diverse funds, diverse geographies, and diverse markets. Also investors must maintain faith in the ability of the managers of each of the individual underlying funds, their ability to select stocks with better than average expected returns relative to their peers. That's a lot ...

PicassoSparks wrote: ↑Sat Oct 22, 2022 4:08 am I should add that several of the banks I use specifically recommend using a password manager in their security guides. They also implement things like FaceID in their apps. So in those cases, it seems pretty safe to use a password manager.

The one thing I wish banks would do when it comes to password and 2FA is totally drop sms as a form of two factor. While it’s better than nothing I don’t think it’s much better.

While not really banking related I hate my carrier still has sms for backup 2FA to authentication app, while authentication app is good somebody can still request a sms so kind of makes authenticator app useless in terms of security since it can just be bypassed to sms.

David_w wrote: ↑Fri Oct 21, 2022 6:30 pm

gavinsiu wrote: ↑Fri Oct 21, 2022 11:14 am

David_w wrote: ↑Fri Oct 21, 2022 9:06 am I use an Excel sheet on my computer and phone and have that file password protected.

Make sure you don't use the password protection provided by Excel, which can be broken by various utilties.

uh oh, now what? How else can you password protect a file?

You can use something like veracrypt to encrypt certain files where you need a password to access it , I guess its not really the same as password protecting something, but at least its an option I suppose.

I never had Chase but from what I read here they are no different from US Bank and Wells Fargo. I had the former and still have the latter because we need a safe box. Problem with them is that their savings account pays a pittance, so we keep a government money market fund in their brokerage. Their brokerage does not let you have a money market as sweep account, so you need to buy/sell as needed and transfer to/from checking as needed, which is a hassle. The worst thing is that their brokerage is awful. You need to call a rep to change dividend reinvestment options and/or cost basis method. You also need to call a rep to buy individual treasuries but they'll charge you $25 for that, compared to Schwab or Fidelity which don't charge you any...

zratis wrote: ↑Fri Oct 21, 2022 1:53 pm Let me ask this way, what's the downside of VMRXX?

Guess downside is its not 100% state tax exempt like VUSXX is, I also think VUSXX is the safest of all the MMF offered by vanguard.

From where I sit; the UR points program is alive and well. Recent sign up bonuses for the Chase Reserved and Chase Sapphire Preferred are at or near all time highs. Quarterly 5% earning rates for the various Freedom cards are the same as always. The "Pay Yourself Back" feature allows various ways to redeem your UR points at a premium for non travel expenses; depending on what cards you hold. In addition, Chase treats military veterans well. No fees on wire transfers and the ability to have a zero balance in your checking account with no fees as well. I have the freedom and FU cards that i pair with my ink card that can be used to transfer my UR to partners. United devaluation a while ago kind of rubbed me the wrong way, I still h...

I was actually thinking about EDV today, as its my bond allocation. I am not sure if its giving me the lower correlation to the market that I wanted when I originally bought them. I haven't jumped ship yet , but am wondering should I go something for less volatile like VGSH. I believe that something buffet is a fan of but I am not a billionaire like he is either so not sure what would be best.

I'm a big fan of Chase. Their credit card rewards program is one of the most interesting and generous in the "points and miles" realm. They provide most of the banking services that anybody could want or need. You don't have to leave much in their low interest paying accounts; you just set up their "You Invest" brokerage account and sweep your money into that. From there you have access to most mutual funds and ETF's; Vanguard included. They have a user friendly app and website. What's not to like? To be fair , Chase used to have a lot better ecosystem with UR reward points, but recently they have been nerfing them into the ground, so while it used to be quite good it lost a lot of it luster. I don't have any experience...

Yes, imo some here have too much value slant. It could well outperform in the long-term, but will probably be extremely volatile short-term. To me AVGE seems to get it about right. It's about 55% large cap, 25% mid, and 20% small. Most growth is allocated to large caps, which makes sense since small and mid cap growth have been more volatile without significantly higher returns. I like to keep things simple and don't trade much apart from occasional rebalancing, so I'm content with my 2 fund portfolio. I'm checked and I'm currently 60% VT 30% VSIAX. I'm debating if this fund will outperform what I have or if I should switch and pay the higher fund fees. There is absolutely no way to know. Your portfolio has a fee advantage which AVGE will ...

Is it possible to have to much of a value tilt? Say value does great in 1 country but growth in another. Wouldn't this end up evening out worldwide for the market that AVGE and VT cover? Yes, imo some here have too much value slant. It could well outperform in the long-term, but will probably be extremely volatile short-term. To me AVGE seems to get it about right. It's about 55% large cap, 25% mid, and 20% small. Most growth is allocated to large caps, which makes sense since small and mid cap growth have been more volatile without significantly higher returns. I like to keep things simple and don't trade much apart from occasional rebalancing, so I'm content with my 2 fund portfolio. I'm checked and I'm currently 60% VT 30% VSIAX. I'm de...

I'm considering opening an account with a brokerage offering a (relatively generous) transfer bonus (public.com for whoever is interested). The brokerage firm only supports/offers stocks and ETFs. I want to move some of the cash that I hold as VMFXX at Vanguard. Since the new brokerage firm doesn't support MMF/Mutual funds, I'll have to convert the amount I want to transfer to an ETF, and the question is - which ETF is more or less equivalent in terms of yield and expense ratio, and is appropriate for 6 months? Searching the Boglesheads forums, the following came up a few times: - VGSH - BIL - SHV - ICSH (In case that matters - high income bracket in CA) Thanks! Right now for 1-3 month tbill etf I think sgov is the best choice. Vgsh to me ...

I'm late 30s, new to vanguard, and just wanted to check if my lazy-three fund portfolio is set up correctly. Two accounts i401k and i401k roth, maxed out annually. Holdings by asset type: VBTLX (Total Bond Mkt Index Adm) - 34.27% VTIAX (Tot Intl Stock lx Admiral) - 32.73% VTSAX (Total Stock Mkt Idx Adm) - 33% Target asset mix: Stocks 66% Bonds 34%. (All domestic). Does this look like a normal set up for a lazy three-fund? The Portfolio Watcher is freaking me out with some notifications telling me to allocate 20% to 50% of my bonds holdings to international bonds, but I can't understand how to do that, let alone if I would want to. Imo for me that is too much bonds at your age , i probably would be at 20 percent at most. Maybe I am a bit on...

Econberkeley wrote: ↑Fri Oct 14, 2022 7:45 pm

chassis wrote: ↑Sat Oct 01, 2022 5:41 pm

jgsloan53 wrote: ↑Fri Sep 30, 2022 8:16 am I am wanting to move some of my savings that is currently at local bank to high yield savings account.Which one have you used and would recommend.This is part of my emergency savings.Thanks.

I just closed an FNBO so-called "high yield" account. It's now in Fidelity, in SPRXX and FZDXX earning more than 2% interest.

I see no need or advantage for banks or credit unions for maintaining an operating/working capital account.

Are there any risks involved with SPRXX and FZDXX?

Risk of prime money market funds that hold very little treasury imo and a lot of cd and commercial paper

You can do fractinal shares both on app and website if I recall correctly, I don't think there is any added costs in terms of bid spread but I am not 100% sure on that

I'm looking at: LendingClub for 2.65% and Fidelity Money Market Fund Premium Class (FZDXX) with a 7 day yield of 2.91%, the gross ER is .36, while the net ER is .17 → does that translate to a net yield of 2.55% or 2.74%?? (- or am I misunderstanding something?) Just a dumb question Since FZDXX is a money market, there is no downside risk right? Absolutely no risk? 2.91% is unbelieveably high, wonder why people are opting for other options. I think prime money market funds have a bit more risk then treasury based ones but that more of a personal opinion because of the CD and commercial paper holdings. I know its a bit of an hot take , others however think its safe enough. edit: btw the 1 day yield is 3.04 the 2.91% yield was at the end of s...

I finally sold my mutual fund yesterday in my Roth IRA since it was a big up day and figured unlikely to repeat today. Schwab cancelled my market order for 4000 shares, so I had to place several orders of 200 shares at a time. What a pain. But now I'm 100% AVGE except my HSA and TSP. My HSA's are set up for auto-recurring mutual fund investment I'm lazy so I'll just leave those alone. I converted my Roth today. So equities overall now roughly 50% AVGE and 50% the classic VTI/VXUS. My order, which was 1/4 your size, was at market and executed in 100 lot increments, but all at the same price and essentially the same time. 50/50 like that is it enough of tilt to make it worth since Avus and Avde inside of avge are pretty much like Vti and vxu...

I finally sold my mutual fund yesterday in my Roth IRA since it was a big up day and figured unlikely to repeat today. Schwab cancelled my market order for 4000 shares, so I had to place several orders of 200 shares at a time. What a pain. But now I'm 100% AVGE except my HSA and TSP. My HSA's are set up for auto-recurring mutual fund investment I'm lazy so I'll just leave those alone. I converted my Roth today. So equities overall now roughly 50% AVGE and 50% the classic VTI/VXUS. My order, which was 1/4 your size, was at market and executed in 100 lot increments, but all at the same price and essentially the same time. 50/50 like that is it enough of tilt to make it worth since Avus and Avde inside of avge are pretty much like Vti and vxu...

Yield is actually 2.66 now , 2.55 was from end kf September and as far as safety in terms of what I would trust from most to least would go fdlxx fzfxx spaxx Sprxx.

Kookaburra wrote: ↑Thu Oct 13, 2022 9:17 pm Is there somewhere (a prior post, or a website) where I can track daily yields for money market funds like VMFXX, VMSXX, VUSXX, and SPAXX?

I believe only fidelity ones show one day yield , vanguard I think does 7 day yield only.

placeholder wrote: ↑Wed Oct 12, 2022 6:47 pm Are both of those recently mentioned state tax free?

Neither are 100 percent state tax free like fdlxx is. They have a pretty small percentage in treasuries afaik

mikeyzito22 wrote: ↑Tue Oct 11, 2022 10:53 pm Hi!

FZFXX and SPAXX now have almost identical ER's at .042. Now which would you take as your core position? What say the Bogleheads when ER's are this close? Those are the choices (besides interest bearing cash) that the system gave me. I realize it is dancing on the head of a pin. However, sometimes we do that here.

My personal take is fzfxx not most comfortable with those mbs but that’s a personal thing.

JD Powers usually has a companion survey for those that do not use advisors. The survey descriptions do not discuss the statistical sampling techniques, but even non-statistical surveys are better than anecdotal stories. Here is the 2021 Self-Directed Investor survey (Vanguard ranked #1): https://www.jdpower.com/business/press-releases/2021-us-self-directed-investor-satisfaction-study Here is the 2022 Self-Directed Investor survey (Vanguard ranked #1 for DIY'ers, although essentially a 3-way tie for #1, #2 for those seeking advice, although essentially a 2-way tie for #2): https://www.jdpower.com/business/press-releases/2022-us-self-directed-investor-satisfaction-study I take the survey with a grain of salt, although I do find it interesti...

I assume these are a bit "safer" than SWVXX since they are only government security/obligations, but any reason to choose one over the other? SNSXX is a pure treasurey money market fund similar to VUSXX/FDLXX. SNOXX is a treasury and repo fund similar to how fzfxx/vmfxx are at fidelity and vanguard. SNVXX is like a government money market fund that has repos MBS and treasury the most similar would be something like SPAXX/FDRXX at Fidelity , I don't believe vanguard has anything similar. It comes to how safe you think each option is imo, SNSXX is also state tax exempt since its holding only treasuries. Thanks! Is there any real difference, aside from SNSXX being state-tax exempt? In terms of relatively safety I would say probably ...

NYCaviator wrote: ↑Tue Oct 11, 2022 5:46 pm I assume these are a bit "safer" than SWVXX since they are only government security/obligations, but any reason to choose one over the other?

SNSXX is a pure treasurey money market fund similar to VUSXX/FDLXX. SNOXX is a treasury and repo fund similar to how fzfxx/vmfxx are at fidelity and vanguard. SNVXX is like a government money market fund that has repos MBS and treasury the most similar would be something like SPAXX/FDRXX at Fidelity , I don't believe vanguard has anything similar.

It comes to how safe you think each option is imo, SNSXX is also state tax exempt since its holding only treasuries.

I have never really followed mmf that closely till somewhat recently but has vusxx or fdlxx for that matter “broke the buck” ever, is this something one should really worry about. What about other somewhat riskier funds like fzfxx/vmfxx? I tend to shy away from prime money market funds because I feel like they would be first ones to crack. Am I over worrying ? For what it’s worth I have some cash in fzfxx right now they mostly holds treasuries and repos I believe that no Vanguard or Fidelity money-market fund has ever "broken the buck," and no one's government money-market fund has either. That’s pleasantly surprising to know would have done prime money market funds would have had issues in 2008. While it is unlikely that a Prime...

increment wrote: ↑Tue Oct 11, 2022 3:11 pm

mongstradamus wrote: ↑Tue Oct 11, 2022 12:33 pm I have never really followed mmf that closely till somewhat recently but has vusxx or fdlxx for that matter “broke the buck” ever, is this something one should really worry about.

What about other somewhat riskier funds like fzfxx/vmfxx? I tend to shy away from prime money market funds because I feel like they would be first ones to crack. Am I over worrying ? For what it’s worth I have some cash in fzfxx right now they mostly holds treasuries and repos

I believe that no Vanguard or Fidelity money-market fund has ever "broken the buck," and no one's government money-market fund has either.

That’s pleasantly surprising to know would have done prime money market funds would have had issues in 2008.

sycamore wrote: ↑Tue Oct 11, 2022 4:11 pm I like the US/International splits -- 70/30 for stocks, and 80/20 for bonds.

But 50/50 overall isn't my thing. Oh well. And I don't work for Raytheon anyway!

I believe they have different allocation even 100/0 one, but since it’s tied you hsa , vt or ishares assets allocation if you aren’t at vanguard and have life strategy fund are the only choices for static balanced funds.

I just added some more Tbills for e fund as well just six month one I think was 4.17 or something at auction. I guess technically moved from my hysa to Tbills

DarkHelmetII wrote: ↑Tue Oct 11, 2022 2:22 pm how do you buy treasuries on the secondary market?

Kevin M started a thread on how to buy treasuries on secondary and I believe there are also links on how to buy at auction if you want that also. Check it out here , https://www.bogleheads.org/forum/viewt ... p?t=378350

Charles Joseph wrote: ↑Tue Oct 11, 2022 1:34 pm Boy I wish Fidelity would make this avaliable to everyone. It’s currently for certain HSAs only but that’s a start.

Balanced Allocation Fund
FRYBX

https://fundresearch.fidelity.com/mutua ... /316069236

You have to settle for i shares allocation ETFs at fidelity or use vanguard life strategy at vanguard/E*Trade.

I have never really followed mmf that closely till somewhat recently but has vusxx or fdlxx for that matter “broke the buck” ever, is this something one should really worry about.

What about other somewhat riskier funds like fzfxx/vmfxx? I tend to shy away from prime money market funds because I feel like they would be first ones to crack. Am I over worrying ? For what it’s worth I have some cash in fzfxx right now they mostly holds treasuries and repos

Before you hit the "submit" button you can see your estimated cost for the transaction. As with the purchase of any equity, you can back out and readjust the purchase quantity to get closer to using up your desired dollar amount. There will always be some leftover amount. Or, you can just adjust your quantity on the buy screen until you get as close as you can to your desired amount. Yes, thanks. That's mostly what I meant. :D Basically a reminder that certain bond purchases are not like buying a mutual fund where you put in a dollar amount and that's what you get. But that the "# of $1000" units you are purchasing are not actually worth $1000 each, and to be mindful of the total cost for large purchases. In my case, I ...

In the OPs case they had $500,000 to invest but only "spent" $493,000 (or whatever), so could have bid on a few thousand more if they wanted to use up all their $500,000. Although, it's easier just to leave some in a money market rather than have to do the math. :wink: Before you hit the "submit" button you can see your estimated cost for the transaction. As with the purchase of any equity, you can back out and readjust the purchase quantity to get closer to using up your desired dollar amount. There will always be some leftover amount. Or, you can just adjust your quantity on the buy screen until you get as close as you can to your desired amount. Yes, thanks. That's mostly what I meant. :D Basically a reminder that ce...

Wrong. Take a look at Portfolio Visualizer. Compare either to the appropriate LifeStrategy Fund. Interesting “benchmarks” for Wellesley and Wellington. The Vanguard LifeStrategy funds have to be efficient markets fans’ dream portfolios. You have 40% of equity invested overseas, along with 30% of fixed income. And virtually every publicly traded stock (and a significant number of bonds) is included in the underlying funds on a market weighted basis. How can one improve on an asset allocation like that? By excluding the 40% of equities invested overseas? 8-) I am actually interested to see long term how global wellington/wellesley will do vs life strategy type funds. They have been only around 5 years or so , not much you can really gather f...

In my brokerage account, I currently have SPAXX and have used it for a while, though I've never kept a ton of cash sitting in the brokerage account so it's not that relevant. In my Cash Management Account, there are the following options I think: Core FDIC: 1.57% 7-day yield SPAXX Govt Money Market Fund: 2.55% 7-day yield FZFXX Treasury Money Market Fund: 2.55% 7-day yield FDRXX Government Cash Reservers: 2.52% 7-day yield SPRXX Prime Money Market Fund: 2.79% 7-day yield FLGXX Flex Government Money Market Fund: 2.91% 7-day yield (nevermind just saw this is closed to investors) FZDXX Money Market Fund Premium Class: 2.91% 7-day yield Some other funds I don't know much about Edit: Just saw one of the fund managers Michael Widrig is retiring ...

I agree, it would be nice to be able to see 1 day returns for the Vanguard money market funds, like you can for Fidelity and Federated. On a different note, from a competitive yield comparison perspective, lately, the Vanguard Muni Money Market (VMSXX) has been yielding a bit more (3 to 4 bps) than the Fidelity version, on a 7 day yield basis. However, the taxable money market alternatives I use at Vanguard (VMRXX and VMFXX) yield significantly less than Fidelity's large taxable money market (FNSXX) -- the spread is 30 bps now. I haven't compared investment composition, but this seems unusual. Curious if anyone has thoughts on this, or link to page showing 1 day Vanguard money market returns. FNSXX and VMRXX/VMFXX are two different categor...

I have $170k in a Savings account earning 2% interest. I also have $25k in a national bank chain paying .01% interest. This is a checking account where all direct deposits go and all bills get paid from. Basically it's my "functional account". It's value will fluctuate anywhere from $15k - $30k as money ebbs and flows from the account. I do keep a minimum of $15k there to avoid a monthly fee. This bank has a lot of ATMs in my area and I've used them for 8 years so there is a convenience factor there. My question is, is there a better option that can be just as functional as my current checking account (free ATM access, check writing, etc.), but that pays more like the 2% interest I get at my savings account? And that doesn't have...

Gaston wrote: ↑Sun Oct 09, 2022 9:32 pm

comeinvest wrote: ↑Thu Mar 03, 2022 9:09 am I think Avantis, DFA, etc. incur relatively low trading cost and friction.

According to Morningstar, at market close on 7 Oct 2022, the bid-ask spread on AVUV was 7.56%. I hope that was an end-of-market-day anomaly. Does anyone watch this type of friction more closely?

According to their site, https://www.avantisinvestors.com/conten ... e-etf.html, it shows .05% for median bid ask over the last 30 days.

AVGE makes a decision for me about % and tilts instead of compiling my own 5+ fund mess that I think about buying a lot. This would be my hope as well. :beer That said, I have personally held funds of funds in the past and present and can honesly say that for me it only helps a little. I am always well aware of what the fund holds and what I think about what they hold. This fund intreagues me. I also find it interesting that those who engage in various tilting based in part on historical past performance tend to favor a more cap weighted approach on international versus U.S. -- or at least those who commented on this thread (or at least realitive to the endless back and forths on US/ex US threads). Frankly I don’t have a strong domestic / ...

This is a slightly unrelated question about SPRXX and the other prime money market funds, I see a lot of people like to use them. I myself am too chicken to use with all the commercial paper and CD that are located in those funds. The riskiest I think I could go with is FZFXX which is treasury and repos. If the yields on treasury only fund, FDLXX, gets closer to fzfxx I probably would prefer that MMF. What I have been wondering to myself is my mistrust in prime money market funds warranted or am I crazy. I also wonder what exactly to those prime MMF during 2008 when things got all crazy. Secondary question for the HYSA , do we actually know what banks are investing in? I know we have FDIC insurance to protect us vs some shady stuff banks ar...

AVGE keeps me from buying 5 funds that I think about buying a lot. AVGE makes a decision for me about % and tilts instead of compiling my own 5+ fund mess that I think about buying a lot. This would be my hope as well. :beer That said, I have personally held funds of funds in the past and present and can honesly say that for me it only helps a little. I am always well aware of what the fund holds and what I think about what they hold. This fund intreagues me. I also find it interesting that those who engage in various tilting based in part on historical past performance tend to favor a more cap weighted approach on international versus U.S. -- or at least those who commented on this thread (or at least realitive to the endless back and for...

rbd789 wrote: ↑Sat Oct 08, 2022 9:22 pm

mongstradamus wrote: ↑Sat Oct 08, 2022 9:13 pm

seiyafan wrote: ↑Sat Oct 08, 2022 8:42 pm I was looking at the three Pimco TIPs (STPZ, TIPZ and LTPZ), all of them had 15+% distribution but the SEC yield is showing a little overn 1%, upon a closer look I notice all three paid $0 dividend in October, is this because there was no increase of CPI in September?

That’s interesting I don’t know reason either but doesn’t look like stip paid anything either, but VTip for some reason did.

STIP pays monthly and there was no increase in CPI. VTIP pays quarterly, so includes some earlier CPI.

I see that makes sense then.

seiyafan wrote: ↑Sat Oct 08, 2022 8:42 pm I was looking at the three Pimco TIPs (STPZ, TIPZ and LTPZ), all of them had 15+% distribution but the SEC yield is showing a little overn 1%, upon a closer look I notice all three paid $0 dividend in October, is this because there was no increase of CPI in September?

That’s interesting I don’t know reason either but doesn’t look like stip paid anything either, but VTip for some reason did.