Search found 2278 matches

by jhfenton
Sun Dec 17, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund Choice
Replies: 6
Views: 796

Re: Emerging Market Bond Fund Choice

Wow, this is a surprise. I own VWOB, the ETF class of Vanguard Emerging Markets Bond Index Fund, but VEMBX Investor and VEGBX Admiral Vanguard Emerging Markets Bond Fund) slipped in under my radar. The Investor shares show 32.4 million of assets as of 11/30/17 and the Admiral shares show dashes for...
by jhfenton
Sat Dec 16, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Apple Watch - which case for my wife?
Replies: 7
Views: 463

Re: Apple Watch - which case for my wife?

Do folks really think the Series 3 gold option looks pink? (There is no Series 3 rose gold.) I've heard it's a bit between the Series 2 gold--which I have--and the Series 2 rose gold--which matches my son's rose gold iPhone 7. But from the pictures, I don't think the Series 3 gold looks pink, unlike...
by jhfenton
Fri Dec 15, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 42
Views: 5167

Re: Why is Vanguard switching all accounts to brokerage accounts?

Hmmnn. I would have thought that switching to FIFO would allow a dollar amount to be used. Switching to average cost can be problematic if you want to swtich back in the future. (Some brokers allow other methods than SPEC ID or FIFO without using average cost. Of course these other methods are just...
by jhfenton
Fri Dec 15, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 42
Views: 5167

Re: Why is Vanguard switching all accounts to brokerage accounts?

The issue may not have needed to be fixed. I have a vague recollection that you have to specify the amount for the the trade in dollars not shares. :idea: I think that’s right. I ran into a similar issue trying to contribute to our Roth IRAs out of my Vanguard Ohio Long-term Tax Exempt fund set to ...
by jhfenton
Thu Dec 14, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6661

Re: How much did you contribute to your 401k in 2017?

My wife, also 47, has not had a 401(k) this year. She's been working in a contract position. We're hoping she'll be hired and be eligible after the new year, in which, we would try to max out hers as well. Why don't you set up a solo 401(k) . As long as you set up the plan in 2017 (a relatively sim...
by jhfenton
Thu Dec 14, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Holding a junk bond of a company that's spiraling toward bankruptcy
Replies: 7
Views: 837

Re: Holding a junk bond of a company that's spiraling toward bankruptcy

I note from the bond price quote that it is "callable in 2021"? Is there a possibility that you would not get your money back in 2012? I.e. the actual Maturity Date is later. Because it is not certain the company will call the bond, if they are still in difficult cash flow situation. If my supposit...
by jhfenton
Thu Dec 14, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Holding a junk bond of a company that's spiraling toward bankruptcy
Replies: 7
Views: 837

Re: Holding a junk bond of a company that's spiraling toward bankruptcy

I'm in the industry, so I watch Frontier. They definitely have issues. On the plus side for your bond: 1. It is one of their earlier maturities. They might survive that long. I expect an effort in the next year or two to push out those early maturities. 2. It is a fairly liquid bond (see current Van...
by jhfenton
Wed Dec 13, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1268

Re: Best HSA for buy-&-hold?

SelectAccount would probably be my second choice. Schwab brokerage. I forget all the details. Saturna would probably be my third. From my notes earlier, you can start the Schwab brokerage at SelectAccount only after you have reached $10,000 in cash. You are then required to keep at least $1000 in c...
by jhfenton
Wed Dec 13, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1268

Re: Best HSA for buy-&-hold?

1) Lively, $2.50/month fee with investments through TD Ameritrade using commission-free SPDR Portfolio ETFs. Lively is the one I'm using now (since early October). At $2.50/month and no other fees, it's the lowest cost for me given a desire to minimize cash in my employer HSA by making frequent (qu...
by jhfenton
Wed Dec 13, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of New York Long Term Tax Exempt (Munis) ?
Replies: 7
Views: 805

Re: Should I get out of New York Long Term Tax Exempt (Munis) ?

Something else to consider - the average duration of this fund is 6 - 10 years. That's not that "long". Agreed. The maturities are longer, but because (1) many have higher coupons from several years ago and (2) most have call provisions, the effective maturity and durations are not all that long. T...
by jhfenton
Wed Dec 13, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6661

Re: How much did you contribute to your 401k in 2017?

The year's not over yet, and we still have two paychecks left (this Friday and Dec. 29), but I will hit $18,000 on my last paycheck of the year (plus match). I'm 47. My wife, also 47, has not had a 401(k) this year. She's been working in a contract position. We're hoping she'll be hired and be eligi...
by jhfenton
Wed Dec 13, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale and IRAs
Replies: 3
Views: 186

Re: Wash Sale and IRAs

+3 You can trigger a wash sale in an IRA, as the IRS ruling you cite holds, but you can't have a wash sale in an IRA. Wash sales can only occur in a taxable account. It's the purchase of the substantially identical replacement security (within 30 days before or after) that can occur in an IRA.
by jhfenton
Wed Dec 13, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of New York Long Term Tax Exempt (Munis) ?
Replies: 7
Views: 805

Re: Should I get out of New York Long Term Tax Exempt (Munis) ?

The interest rate risk wouldn't bother me at all. In fact it doesn't, as I own shares in the equivalent Vanguard Ohio Long-Term Tax Exempt (VOHIX). I'm assuming it's a medium-to-long-term holding and not for a short-term expense. If long-term rates rise gradually, it'll ultimately be good for our re...
by jhfenton
Wed Dec 13, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Opening HSA for wife
Replies: 5
Views: 202

Re: Opening HSA for wife

I think Lively is the company you're thinking of. They've surfaced in several threads and other members have reported being happy (based on 1-2 months experience). +1 I've been with Lively since early October, and I've been delighted. Setting it up took 5 minutes online. Customer service by email h...
by jhfenton
Wed Dec 13, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Index Funds Benchmark Change - Update
Replies: 9
Views: 945

Re: Vanguard Government Index Funds Benchmark Change - Update

Thanks. I officially changed the name for VSIGX in my spreadsheet to Vanguard Intermediate-Term Treasury Index Fund Admiral Shares. I don't expect to see much else in the way of a difference. :beer :D Vanguard is still showing the "old" name on the holdings page but when you click on the name it op...
by jhfenton
Wed Dec 13, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Index Funds Benchmark Change - Update
Replies: 9
Views: 945

Re: Vanguard Government Index Funds Benchmark Change - Update

Thanks. I officially changed the name for VSIGX in my spreadsheet to Vanguard Intermediate-Term Treasury Index Fund Admiral Shares. I don't expect to see much else in the way of a difference. :beer
by jhfenton
Tue Dec 12, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate
Replies: 9
Views: 776

Re: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate

A few quick observations: 1. I split out treasuries and corporates, but I use VSIGX and VICSX, Vanguard's intermediate treasury and corporate bond index funds, at 50/50. The corporate fund is all investment grade. The treasuries give me adequate rebalancing fodder. The corporates have a bit more ri...
by jhfenton
Tue Dec 12, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Tilting sectors, regions and countries? Which ones.
Replies: 14
Views: 874

Re: Tilting sectors, regions and countries? Which ones.

Your portfolio sounds virtually identical to mine, though my style box has less midcap. (Edit to add below). Other than that, everything in your first paragraph is also true of my portfolio, except my fixed asset allocation is a stable value fund. Value Blend Growth LCap 16 14 14 MCap 13 14 10 SCap...
by jhfenton
Tue Dec 12, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate
Replies: 9
Views: 776

Re: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate

A few quick observations: 1. I split out treasuries and corporates, but I use VSIGX and VICSX, Vanguard's intermediate treasury and corporate bond index funds, at 50/50. The corporate fund is all investment grade. The treasuries give me adequate rebalancing fodder. The corporates have a bit more ris...
by jhfenton
Tue Dec 12, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Tilting sectors, regions and countries? Which ones.
Replies: 14
Views: 874

Re: Tilting sectors, regions and countries? Which ones.

Not sure if this is still true but percentage of Chinese representation in EM funds seemed to vary from fund to fund. I guess it is hard for people to look at on of the world's 2 largest economies and call it an emerging market. On the other hand its stock markets have in the past had access rules ...
by jhfenton
Tue Dec 12, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Tilting sectors, regions and countries? Which ones.
Replies: 14
Views: 874

Re: Tilting sectors, regions and countries? Which ones.

No. I overweight U.S. small value. I overweight international small cap. For simplicity, I actually eliminated international developed large cap, because I didn't see that it added much diversification compared to small cap. I overweight emerging markets. We're 50/50 US/International on equities, wh...
by jhfenton
Tue Dec 12, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 13
Views: 771

Re: 401k Asset Allocations

I’m thinking of changing my target date fund to... 10% S&P 500 Index 20% International Equity Index 10% Large Cap Value Index 40% Small Cap Value Index 10% REIT Index 10% Emerging Market Thoughts? Thank you :) It looks fine. I think 100% equities is fine at 38 if your emotions can handle the volati...
by jhfenton
Tue Dec 12, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 178
Views: 32805

Re: Best HSA (2017)

What TD Ameritrade ETFs are you using at Lively? I'm using SPEM (SPDR Portfolio Emerging Markets) at 11 bp from the commission-free list. There are good to great choices for most of the basic asset classes, though they are no longer Vanguard ETFs. The commission-free list also has a lot of garbage....
by jhfenton
Mon Dec 11, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1326

Re: No transaction fee for Vanguard ETFs?

. On a $3,000 investment saving 0.10% in expense ratio amounts to just $3 per year. This makes me wonder why Vanguard even bothers having the "investor" share class. They should have only the Admiral share class for everybody because of the all the costs to run 2 different share classes (more web p...
by jhfenton
Mon Dec 11, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2561

Re: What mix of intermediate and short term bonds?

I use a 1-10 Gov/credit bogey and break up the portfolio into four components - short & intermediate, and Treasury & corporate for tax and liquidity purposes. Duration about 4.1, credit AA (all investment grade). If you need to sell you pick the best at that time and rebalance next year. This is ba...
by jhfenton
Sun Dec 10, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: Schwab 25% Cheaper than Vanguard?
Replies: 13
Views: 1449

Re: Schwab 25% Cheaper than Vanguard?

I noticed that Schwab's U.S. Broad Market ETF (SCHB) is now 25% less expensive (.03% vs .04%) than Vanguard's Total Stock Market ETF(VTI) . Is there a catch? Is there a meaningful difference between the funds? Over the last 12 months, $10,000 in invested in SCHB would have grown to $2.04 more than ...
by jhfenton
Sat Dec 09, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1207

Re: Health Equity HSA

In the case of my employer-sponsored HSA, they only charge a closure fee ($25) if you transfer everything out. If you leave a few dollars behind, they don't charge the fee. (And I need to keep it open to continue to receive biweekly salary reduction contributions.) Lively said they will be happy to...
by jhfenton
Sat Dec 09, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 178
Views: 32805

Re: Best HSA (2017)

Which has the least headache when transferring to Lively, a rollover or trustee-to-trustee transfer? I think it would depend more on the transferring custodian than on Lively. I did a trustee-to-trustee transfer because I'm planning on quarterly transfers from my workplace HSA, and I didn't want to...
by jhfenton
Sat Dec 09, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 178
Views: 32805

Re: Best HSA (2017)

I have around $11,000 in VTSAX with Health Savings Administrators. They charge $45 annually plus 6.25bps quarterly. I am can no longer make additional contributions so I need to figure out if it would be better to move this elsewhere. I would definitely move it somewhere. Lively would be $30 per ye...
by jhfenton
Sat Dec 09, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2395

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm with livesoft. I rely on my car's data. It's adequate. But not accurate. It's an interesting question as to why we track it. But many do, myself included. Actually, I just type it in. I use whats now called Fuelly. JT The accuracy on mine is more than adequate. I've checked it 3 or 4 times in 7...
by jhfenton
Sat Dec 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2395

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm with livesoft. I rely on my car's data. It's adequate.
by jhfenton
Fri Dec 08, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4161

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by jhfenton
Fri Dec 08, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4161

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by jhfenton
Thu Dec 07, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5794

Re: Why are so many Chinese visiting my website?

对不起。 那是我。 我爱你的网站。

(那不是我。 但我会说一点中文。)
by jhfenton
Thu Dec 07, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 926

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Interesting. Are Emerging Market bonds less risky than Emerging Market stocks? It looks like The Vanguard Emerging Market Bond index is for government debt only, while this fund can invest in corporate debt in the emerging markets as well. You might get some currency exposure too. The Index fund in...
by jhfenton
Thu Dec 07, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 926

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Ah, so they finally went public with it. They've been incubating the fund for more than a year and a half. The investor shares were listed on M*, but were not available for investment through Vanguard. There were a couple of earlier threads on it. I have no interest in the fund at current EM yields,...
by jhfenton
Thu Dec 07, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 255
Views: 26430

Re: How to Get Stock Quotes Into Excel

discman017 wrote:
Thu Dec 07, 2017 1:42 pm
Thank you so much for your code! Works fantastic. So much faster than a bunch of webservice calls.
:sharebeer I'm glad it's working for you. I'm holding my breath waiting for it to break again. :confused
by jhfenton
Wed Dec 06, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 1958

Re: Corporate & Treasury Bonds: Where's the risk?

Corporate bonds sometimes (often?) have call provisions. Indeed. Often with so-called "make whole" provisions if called before a certain date. Make whole provisions typically pay the Net Present Value of future lost coupon payments (or a defined portion of lost coupon payments) discounted by a defi...
by jhfenton
Wed Dec 06, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

I then transferred $500 from checking. That's a different situation than a credit resulting from a sale. Nevertheless my info is from published policy from another broker. Maybe it's not SEC rules. There was a discussion about this here several years ago. If I get time later I'll try to find it. Va...
by jhfenton
Tue Dec 05, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

Think through these two pairs. 1) Sell a T-1 and buy a T-2 on the same day. The next day you will have a positive cash balance but it will not sweep into your settlement account because you have a pending unsettled debit. 2) Sell a T-2 and buy a T-1 on the same day. The next day you will have a neg...
by jhfenton
Tue Dec 05, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

Update: Isn't T+3 now T+2? Yes. And to address the previous question, you will be dinged for a settlement violation if you buy an ETF at T+2 today and try to cover it by selling a T+2 ETF, T+2 stock, or T+2 corporate bond tomorrow. You will be OK if you sell a T+1 mutual fund or T+1 treasury bond t...
by jhfenton
Tue Dec 05, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

Doc wrote:
Tue Dec 05, 2017 12:57 pm
Just tried to place an order for a Vg mutual fund that exceeded the funds available and got:
Hmm. I see the same thing. :beer I swear I couldn't do that before, but I got as far as the confirmation screen in both taxable and an IRA.
by jhfenton
Tue Dec 05, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?
Replies: 20
Views: 1016

Re: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?

I would consider it a wash sale. A purchase fee may increase your basis or reduce the shares you receive, but in the end, you've purchased and are holding VTEAX shares that are not just substantially identical to your VTEB shares, but identically identical. Brokers are only obligated to report wash ...
by jhfenton
Tue Dec 05, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

You can't even do sell-buy mutual fund exchanges at Vanguard because the system doesn't credit pending mutual fund sales to available cash. You have to do an exchange I believe you can on the brokeage platform. I usually will buy an ETF for example, get a "watchout" message and then sell or move en...
by jhfenton
Mon Dec 04, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2278

Re: The "petro," a Venezuelan oil-backed cryptocurrency

Are you sure it's not backed by wristwatches? :oops: I am afraid lot more did NOT get your joke than the ones who did :-) But please don't explain it. Let "the man" make the comment himself. I appreciated the joke. :beer I follow a lot of the opposition and sympathetic reporters on Twitter. Politic...
by jhfenton
Mon Dec 04, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2278

Re: The "petro," a Venezuelan oil-backed cryptocurrency

It's the equivalent of a gold standard, except with oil. That's the way I would see it working with a creditable sponsor. I don't imagine Maduro has much idea of what he means-- someone at the Venezuelan Treasury has no doubt suggested it as a way of getting out of their awful mess as a nation, and...
by jhfenton
Mon Dec 04, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2278

Re: The "petro," a Venezuelan oil-backed cryptocurrency

It would be an interesting idea if a financially-stable country created an asset-backed block-chain currency. Asset-backed meaning the it was officially exchangeable for the actual commodity or possibly for the value of the commodity in the country's traditional currency. More likely, we'll see bloc...
by jhfenton
Mon Dec 04, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

FinancialDave wrote:
Mon Dec 04, 2017 5:13 pm
jh, I think you are also correct in that one exchange could move the $10,000 into the 3 funds in one transaction.
And there's a drop down option to sell/exchange by percentage that makes it easy if you're liquidating a fund like the OP.
by jhfenton
Mon Dec 04, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation across accounts: Twist?
Replies: 23
Views: 1274

Re: Asset allocation across accounts: Twist?

My overall allocation is fairly complex, with 6 equity asset classes, five bond funds in various accounts, 80/20 equity/fixed income, 55/45 intl/US (at the moment), heavily tilted small and value. I don't want to reproduce all of that in taxable, but I want a bit of diversity. So I keep taxable fair...
by jhfenton
Mon Dec 04, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6860

Re: Vanguard customer service reps need some training

The key is to use the exchange function on the website rather than trying to do a buy / sell operation. Livesoft, you are making $ moves so all you need to know ahead of time is how many dollars you need to move and to where. Finally, with 3 funds I see no reason why that can't be done in 2 exchang...