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Vegomatic

On Dec 9 2020 I mailed a check for deposit at a non-Vanguard bank (Bank PO box) in Philadelphia PA.

Mailed check from my town's post office, about 75 miles from Philadelphia.

Check was cashed today, Jan 20 2021.

Vegomatic

Info on VINIX:

https://www.schwab.com/public/schwab/in ... ol%3dVINIX

Vegomatic

For stock funds that contain foreign stocks, if held in a taxable account, believe that you can only get a tax credit for foreign withholding if more than 50% of the assets are foreign, as opposed to US, stocks. So, since VTWAX is 56% US, don't believe that can claim tax credit. But if separately ho...

Vegomatic

https://www.businesswire.com/news/home/20201006005590/en/Schwab-Completes-Acquisition-of-TD-Ameritrade Don't forget that TD was acquired by Schwab. As indicated by linked 10-06-20 press release above, TD was acquired by Schwab. Excerpts below hint that there will be changes to come within next 3 yea...

Vegomatic

This works well.

https://www.amazon.com/Electric-Portabl ... B074NZY3SQ

Vegomatic

I think the "For Dummies" books are fantastic, i.e., "Excel for Dummies", "VBA for Excel for Dummies", etc. Example below: https://www.amazon.com/Excel-Programming-Dummies-Computer-Tech-dp-1119518172/dp/1119518172 If you work through the books, you can teach yourself a ...

Vegomatic

https://www.harborfunds.com/fund/HAIGX/overview

Above Harbor fund is now managed by Baillie Gifford, but performance of the B/G fund that you indicated and VWILX [Vanguard International Growth] look quite close, nearly identical. (Driving using my rearview mirror.)

Vegomatic

ETF.com has info at links below. Note inclusion of [Fund Home Page] link. Also included a sample link to DFAU info, for example, at Schwab. Change symbol to see other ETFs. The [ETF Report Card] - towards the top - is a nice pdf with info. Also below are examples of 'Classic' Morningstar, ETFRC, and...

Vegomatic

You might start you search by working through the lists at the links below. You might also consider BCOIX, which may be available at Schwab. https://www.etf.com/Fixed_Income_U_S_Corporate_Broad_based_Investment_Grade_Intermediate https://www.etf.com/Fixed_Income_U_S_Corporate_Broad_based_Investment_...

Vegomatic

Below are links from 2017 and 2020 on inexpensive ETF portfolios @ ETF.com and ETFTrends.com. To the extent that things have become even cheaper, you can use tools on these sites to investigate them. https://www.etf.com/sections/blog/worlds-lowest-cost-portfolio-hits-005-fee https://www.etftrends.co...

Vegomatic

Vanguard's brokerage platform can not do automatic federal withholding. The mutual fund platform can. Another reason to stick with the old (i.e., better) platform.

Vegomatic

Best to contact Schwab directly and ask them. I hear that their customer service is excellent.

Vegomatic

Here is an interesting paper from 1996 by Clifford Asness, then of Goldman Sachs but now at AQR. The paper discusses the relative risks and performance of a levered 60/40 portfolio of stocks and [corporate] bonds, which would seem to be rather similar to NTSX. WEBPAGE https://www.aqr.com/Insights/Re...

Vegomatic

I think the zeroes could be a placeholder, and that non-zero numbers will appear once they have been determined or paid.

Vegomatic

Greybus - Thanks for link.

Vegomatic

If Vanguard issued "all in one" ETFs in US market like they (apparently) have in foreign markets, then what would Vanguard's financial advisors do to earn their keep? Say "Buy this one?" Seems like a tough sell (for the financial services, that is.)

Vegomatic

Link for last 10 years... https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2010&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflation...

Vegomatic

Columbia Diversified Fixed Income Allocation ETF: DIAL https://www.etf.com/DIAL Perhaps 'DIAL' ETF is close enough. "DIAL tracks an index that provides exposure to six different sectors within the fixed income space. The index assigns each of the six sectors a fixed target weight: 30% to US hig...

Vegomatic

https://www.etf.com/channels/extended-market-etfs

Above is a list of US and foreign "Extended Market" ETFs:

"Extended market ETFs cover the spectrum from midcap to micro-cap companies and are often used as a complement to large-cap funds."

Vegomatic

https://www.bogleheads.org/wiki/Approxi ... ock_market

This topic has been discussed in the above Bogleheads wiki page, which contains examples.

Vegomatic

Below is link at PortfolioVisualizer, comparing Wellington vs funds in your 401k. The 10 year regression 'suggests' that 60% VG S&P500 and 40% Dodge & Cox Income is a good match for Wellington. See link below, and tweak as needed. https://www.portfoliovisualizer.com/match-factor-exposure?s=y...

Vegomatic

Below also includes munis with the tax managed large cap. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&...

Vegomatic

https://etfdb.com/etfs/bond/china-bonds/

See above.

Vegomatic

Maybe this will help:

https://statisticsbyjim.com/regression/ ... egression/

Vegomatic

The RPAR ETF has treasuries, tips, gold, stocks (domestic and international).
https://www.etf.com/RPAR

The FLYT ETF has treasuries, gold and utility stocks.
https://www.etf.com/FLYT

Vegomatic

NewMoneyMustBeSmart wrote: "...I imagine ETFs can be approximated with math to track the value; if that's the only option and you know of a good way to do that I'd appreciate to hear it." Here is one way. Figure out how many ounces of the precious metal [*] you own. Then pick an ETF that o...

Vegomatic

BuddyJet » Thu Oct 22, 2020 6:49 pm wrote: It has been a while but pretty sure yes. Remember the transfer limits though. 6 transfers from savings per month and $250k per day. Pretty sure that the 6 x month limit has been effectively waived at Ally (and others too, at least for time being, check with...

Vegomatic

Here are (tools for) lists of short term tax exempt ETFs: ETF.com https://www.etf.com/Fixed_Income_U_S_Government_Local_Authority_Municipal_Investment_Grade_Short_Term Note: If you select the [Efficiency] tab in the above, you will see that expense ratios range from 7 bps to 35 bps. TDAmeritrade Too...

Vegomatic

Here are links to PortfolioVisualizer showing 'synthetic' Wellington and Wellesley, using Wisdomtree's DLN and Vanguard's VFIDX or BIV Using VFIDX https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2010&firstMonth=1&endYear=2020&lastMonth=12&cal...

Vegomatic

https://www.etf.com/sections/features-and-news/vanguards-active-etfs-underperform Contains comparison of Vanguard's VFLQ, VFMF, VFMO, VFMV, VFQY and VFVA with other ETFs with 'similar' strategies. More than two years ago, Vanguard rolled out a group of six actively managed ETFs targeting factor stra...

Vegomatic

https://stockcharts.com/h-perf/ui?s=NTS ... =VOO,VBAIX

Added Vanguard Balanced Index Fund to chart.

Vegomatic

Re: Brianmcg321's 09-15-20 7:53 pm suggestion: "If you want risk parity it would be better to just use Harry Browne Permanent Portfolio..." Another alternative might be a new ETF, symbol RPAR, with a short, but interesting, performance history: ETF.com https://www.etf.com/RPAR RPAR Website...

Vegomatic

FYI ... There is now an ETF "equivalent" from TRPrice for their Blue Chip Growth Fund, as mentioned by RetiredCSProf , above. Below are links to TRP pages with info on the ETF, symbol: TCHP. TRowe Price ETFs https://www.troweprice.com/financial-intermediary/us/en/investments/etfs.html TCHP...

Vegomatic

When mortgage backed securities (MBS, such as Ginnie, Fannie, or Freddie) contain mortgages, and the borrowers of the mortgages stop making payments, a couple of things can happen. 1. If the loan servicer believes that the disruption in payments is temporary, the servicer can choose to advance payme...

Vegomatic

In the last couple of years or so, I "learned" (from this board?, unsure) that the real way that mutual funds determine NAV at the end of the trading day is by using: 1. End of that day's prices , along with 2. End of the prior business day's positions to calculate NAV. Apparently, this is...

Vegomatic

nedsaid wrote: "with ETFs the investment companies don't have to hire accountants to calculate Net Asset Value at the end of the day." I'm confused. Can you explain? If Vanguard or T Rowe Price or American Century ... etc. doesn't hire accountants to figure out the end-of-day NAV, then who...

Vegomatic

https://www.etf.com/Equity_U_S_Large_Cap_Growth https://www.etf.com/channels/momentum-etfs https://www.direxion.com/product/russell-1000-growth-over-value-etf https://www.etf.com/sections/features-and-news/momentum-other-second-wave https://www.thebalance.com/value-vs-growth-vs-index-investing-2466434

Vegomatic

iShares, fwiw, offers an EM ex (Peoples Republic of) China ETF, EMXC

https://www.ishares.com/us/products/288 ... a-etf-fund

Vegomatic

https://tinyurl.com/Wellesley-Clone

Above is link to two Portfolio Visualizer backtests, with quarterly rebalancing. (Annual rebalancing is very similar.)

VWIAX = 36:64 (VEIRX,VFICX)
or
VWIAX = 36:64 (VHYAX[VYM],VFICX)

Vegomatic

By the way - VNQI is an international (stocks from non-USA countries) fund. REET is a global (USA + international) fund.
According to ETF.com (see below) about 67% of REET is in US. That's not the case for VNQI.

https://www.etf.com/VNQI
https://www.etf.com/REET

Vegomatic

Here is ETF.com comparison tool (below) https://www.etf.com/etfanalytics/etf-comparison/FREL-vs-VNQ Also look at the ETF.com writeups for these (and other) funds: https://www.etf.com/FREL https://www.etf.com/VNQ FWIW, here is the comparison of VNQI vs VNQ: https://www.etf.com/etfanalytics/etf-compar...

Vegomatic

Think it would help if you would explain what 'LMP' refers to.

Vegomatic

With respect to Hedgefundie's ["HF"] original post: https://www.bogleheads.org/forum/viewtopic.php?p=5284512#p5284512 I think it may be the case that your concerns about the tax costs of NTSX are somewhat misplaced or misinformed. HF wrote: NTSX ...is 90% S&P 500 + 60% Intermediate Tre...

Vegomatic

https://www.fa-mag.com/news/interactive-brokers-launches-massive-mutual-fund-marketplace-55833.html Greenwich, Conn.-based Interactive Brokers announced today the launch of what it’s billing as the world’s largest no-transaction cost, no-load mutual fund marketplace. Dubbed the Mutual Fund Marketpla...

Vegomatic

https://www.etf.com/QLTA

See link above for quick analysis.

Vegomatic

See link @ wiki, below.

https://www.bogleheads.org/wiki/Approxi ... ock_market

Vegomatic

Good proxy for VGENX is IXC [iShares Global Energy ETF]. See below. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2010&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperat...

Vegomatic

In our family we do the following, with Vanguard mutual funds that are held in "classic" non-brokerage retirement accounts. Distributions from all of the funds in the retiree's retirement portfolio (~ 50 / 50 stocks and bonds) are automatically directed to, and invested in, the Wellesley f...

Vegomatic

You could use a combination of USMV, EFAV, and possibly HEFA or HFXI, etc... There are a lot of alternatives. Running through Portfolio Visualizer (looking at 1, 2 or 3 fund combos) you get following 'suggestions' - see links below: PortfolioVisualizer: ACWV or PortfolioVisualizer: USMV, HEFA (75/25...

Vegomatic

Confused. Are you asking so that you can model "mattress cash"?

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