Search found 310 matches

by Vegomatic
Wed Jan 20, 2021 11:15 pm
Forum: Personal Investments
Topic: Postal Service and Vanguard
Replies: 21
Views: 1351

Re: Postal Service and Vanguard

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.
by Vegomatic
Fri Jan 15, 2021 4:18 pm
Forum: Personal Investments
Topic: VTWAX and BNDW
Replies: 1
Views: 190

Re: VTWAX and BNDW

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...
by Vegomatic
Thu Jan 14, 2021 10:18 pm
Forum: Personal Investments
Topic: Brokerage Account at TD or Vanguard
Replies: 46
Views: 2986

Re: Brokerage Account at TD or Vanguard

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...
by Vegomatic
Wed Jan 13, 2021 5:02 pm
Forum: Personal Consumer Issues
Topic: Microsoft Excel recommendations (or any pre-EMBA recommendations)
Replies: 8
Views: 858

Re: Microsoft Excel recommendations (or any pre-EMBA recommendations)

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 ...
by Vegomatic
Wed Jan 13, 2021 11:08 am
Forum: Personal Investments
Topic: Baillie Gifford Investments
Replies: 7
Views: 831

Re: Baillie Gifford Investments

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.)
by Vegomatic
Tue Jan 12, 2021 11:11 pm
Forum: Personal Investments
Topic: Avantis or DFA ETFs
Replies: 1
Views: 362

Re: Avantis or DFA ETFs

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...
by Vegomatic
Tue Jan 12, 2021 2:23 pm
Forum: Personal Investments
Topic: What has an ETF, and how to transfer?
Replies: 6
Views: 496

Re: What has an ETF, and how to transfer?

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_...
by Vegomatic
Sat Jan 09, 2021 1:37 pm
Forum: Personal Investments
Topic: Suggestions for low fee ETF index funds for Roth IRA
Replies: 4
Views: 240

Re: Suggestions for low fee ETF index funds for Roth IRA

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...
by Vegomatic
Sat Jan 09, 2021 1:28 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 166
Views: 12737

Re: VG is nagging about transitioning account

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.
by Vegomatic
Wed Dec 23, 2020 9:21 pm
Forum: Personal Investments
Topic: ETF Dividend Reinvestment - Schwab Brokerage
Replies: 2
Views: 484

Re: ETF Dividend Reinvestment - Schwab Brokerage

Best to contact Schwab directly and ask them. I hear that their customer service is excellent.
by Vegomatic
Thu Dec 17, 2020 8:55 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 434
Views: 58352

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

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...
by Vegomatic
Tue Dec 15, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: IJS (iShares S&P 600 Small Cap) - $0 dividend?
Replies: 26
Views: 2152

Re: IJS (iShares S&P 600 Small Cap) - $0 dividend?

I think the zeroes could be a placeholder, and that non-zero numbers will appear once they have been determined or paid.
by Vegomatic
Tue Dec 15, 2020 9:09 pm
Forum: Personal Investments
Topic: Ally Managed Portfolio
Replies: 5
Views: 655

Re: Ally Managed Portfolio

Greybus - Thanks for link.
by Vegomatic
Tue Dec 15, 2020 9:06 pm
Forum: Personal Investments
Topic: Any US equivalent of Canadian VGRO (Vanguard Growth Portfolio ETF)
Replies: 6
Views: 1462

Re: Any US equivalent of Canadian VGRO (Vanguard Growth Portfolio ETF)

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.)
by Vegomatic
Thu Dec 10, 2020 10:10 pm
Forum: Personal Investments
Topic: 401k Choices (VG Wellington Being Removed)
Replies: 11
Views: 1117

Re: 401k Choices (VG Wellington Being Removed)

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...
by Vegomatic
Thu Dec 10, 2020 9:55 pm
Forum: Personal Investments
Topic: Diversified bond funds
Replies: 9
Views: 860

Re: Diversified bond funds

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...
by Vegomatic
Wed Dec 09, 2020 9:20 pm
Forum: Personal Investments
Topic: TD Ameritrade list of commission free ETFs with ERs included?
Replies: 3
Views: 317

Re: TD Ameritrade list of commission free ETFs with ERs included?

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."
by Vegomatic
Sun Nov 29, 2020 8:39 pm
Forum: Personal Investments
Topic: Mimicking VTSAX with SP500 SP400 and small cap
Replies: 21
Views: 1476

Re: Mimicking VTSAX with SP500 SP400 and small cap

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

This topic has been discussed in the above Bogleheads wiki page, which contains examples.
by Vegomatic
Wed Nov 11, 2020 10:39 am
Forum: Personal Investments
Topic: 401k Choices (VG Wellington Being Removed)
Replies: 11
Views: 1117

Re: 401k Choices (VG Wellington Being Removed)

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...
by Vegomatic
Tue Nov 10, 2020 5:28 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed Balanced Fund Outperforms standard 50/50
Replies: 11
Views: 2073

Re: Tax Managed Balanced Fund Outperforms standard 50/50

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&...
by Vegomatic
Fri Nov 06, 2020 6:00 pm
Forum: Personal Investments
Topic: Are there any ETFs with gold/treasuries mixed in?
Replies: 20
Views: 1350

Re: Are there any ETFs with gold/treasuries mixed in?

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
by Vegomatic
Sun Nov 01, 2020 12:23 pm
Forum: Personal Investments
Topic: Stock Symbols for Precious Metals for Aggregator
Replies: 6
Views: 362

Re: Stock Symbols for Precious Metals for Aggregator

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...
by Vegomatic
Thu Oct 22, 2020 10:43 pm
Forum: Personal Investments
Topic: Ally for trading?
Replies: 21
Views: 1946

Re: Ally for trading?

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...
by Vegomatic
Fri Oct 16, 2020 8:22 pm
Forum: Personal Investments
Topic: Is There a VWSUX ETF? (Sht Trm Tax Ex Admiral Shares)
Replies: 10
Views: 623

Re: Is There a VWSUX ETF? (Sht Trm Tax Ex Admiral Shares)

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...
by Vegomatic
Sun Oct 04, 2020 9:17 pm
Forum: Investing - Theory, News & General
Topic: Are Wellington-Wellesley just closet index funds?
Replies: 76
Views: 6488

Re: Are Wellington-Wellesley just closet index funds?

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...
by Vegomatic
Wed Sep 30, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: ETF.com: Vanguard’s Active ETFs Underperform 09-30-20
Replies: 9
Views: 821

ETF.com: Vanguard’s Active ETFs Underperform 09-30-20

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...
by Vegomatic
Sun Sep 27, 2020 11:07 am
Forum: Personal Investments
Topic: NTSX Based taxable portfolio
Replies: 14
Views: 975

Re: NTSX Based taxable portfolio

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

Added Vanguard Balanced Index Fund to chart.
by Vegomatic
Tue Sep 15, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2263

Re: Ray Dalio's Bridgewater

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...
by Vegomatic
Fri Aug 28, 2020 10:49 pm
Forum: Personal Investments
Topic: TRBCX [T. Rowe Price Blue Chip Growth Fund]
Replies: 22
Views: 1354

Re: TRBCX [T. Rowe Price Blue Chip Growth Fund]

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...
by Vegomatic
Thu Aug 27, 2020 5:36 am
Forum: Personal Investments
Topic: what happens to MBSecurities as people default?
Replies: 28
Views: 1810

Re: What happens to MBSecurities as people default?

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...
by Vegomatic
Thu Aug 27, 2020 5:11 am
Forum: Personal Investments
Topic: Qn for Mutual Fund Accountant: Are Mutual Fund NAVs based on current day closing prices and prior day's positions?
Replies: 2
Views: 305

Qn for Mutual Fund Accountant: Are Mutual Fund NAVs based on current day closing prices and prior day's positions?

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...
by Vegomatic
Wed Aug 26, 2020 7:59 pm
Forum: Personal Investments
Topic: Introduction of Active ETFs at TRowe
Replies: 14
Views: 1150

Re: Introduction of Active ETFs at TRowe

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...
by Vegomatic
Tue Aug 25, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Growth Factor ETF (opposite of VFVA)
Replies: 3
Views: 498

Re: Growth Factor ETF (opposite of VFVA)

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
by Vegomatic
Mon Aug 24, 2020 5:30 am
Forum: Investing - Theory, News & General
Topic: If International, what specifically?
Replies: 88
Views: 7487

Re: If International, what specifically?

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

https://www.ishares.com/us/products/288 ... a-etf-fund
by Vegomatic
Sun Aug 16, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: VWINX clone [Vanguard Wellesley Income Fund]
Replies: 27
Views: 2362

Re: VWINX clone [Vanguard Wellesley Income Fund]

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)
by Vegomatic
Sun Jul 26, 2020 11:45 am
Forum: Personal Investments
Topic: TLH pairs for Vanguard REIT funds
Replies: 7
Views: 656

Re: TLH pairs for Vanguard REIT funds

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
by Vegomatic
Tue Jul 21, 2020 8:34 pm
Forum: Personal Investments
Topic: TLH pairs for Vanguard REIT funds
Replies: 7
Views: 656

Re: TLH pairs for Vanguard REIT funds

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...
by Vegomatic
Mon Jun 01, 2020 11:31 am
Forum: Personal Investments
Topic: Does a Quasi LMP bond portfolio make sense?
Replies: 11
Views: 711

Re: Does a Quasi LMP bond portfolio make sense?

Think it would help if you would explain what 'LMP' refers to.
by Vegomatic
Sun May 31, 2020 1:51 pm
Forum: Personal Investments
Topic: An NTSX alternative in taxable?
Replies: 27
Views: 2377

Re: An NTSX alternative in taxable?

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...
by Vegomatic
Wed May 20, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: FAMag: Interactive Brokers Launches Massive Mutual Fund Marketplace
Replies: 5
Views: 594

FAMag: Interactive Brokers Launches Massive Mutual Fund Marketplace

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...
by Vegomatic
Wed May 20, 2020 5:13 am
Forum: Personal Investments
Topic: Opinions about the QLTA ETF
Replies: 5
Views: 398

Re: Opinions about the QLTA ETF

https://www.etf.com/QLTA

See link above for quick analysis.
by Vegomatic
Mon Apr 20, 2020 6:05 pm
Forum: Personal Investments
Topic: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?
Replies: 27
Views: 3230

Re: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?

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...
by Vegomatic
Sat Apr 11, 2020 5:10 pm
Forum: Personal Investments
Topic: "Safe" funds needed for RMD's??
Replies: 9
Views: 726

Re: "Safe" funds needed for RMD's??

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...
by Vegomatic
Fri Apr 10, 2020 5:04 pm
Forum: Personal Investments
Topic: TLH Suggestions for VMNVX ?
Replies: 9
Views: 661

Re: TLH Suggestions for VMNVX ?

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...
by Vegomatic
Mon Feb 17, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer - zero return data series
Replies: 7
Views: 635

Re: Portfolio Visualizer - zero return data series

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