Search found 4095 matches

by jhfenton
Thu Aug 22, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Want to create a simple iPhone app for personal use - can I do it: cheaply, with little to no coding, etc?
Replies: 10
Views: 789

Re: Want to create a simple iPhone app for personal use - can I do it: cheaply, with little to no coding, etc?

I'm pretty sure you can deploy an app to your own device without being an Apple Developer (though you can't submit to the App Store). This is true. You can individually load apps compiled in Apple's free Xcode IDE onto your own iOS/iPadOS device. Apple's new SwiftUI (coming with iOS 13) looks to be...
by jhfenton
Mon Aug 19, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?
Replies: 14
Views: 1947

Re: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?

The problem is that you have the wrong figures, I use data from Tiingo, and I calculate 63d and 21d returns (as of Aug 16/2019): 63 day >> VEGBX = +4.45%, VWOB = +5.57% 21 day >> VEGBX = -0.35%, VWOB = +0.74% For the sake of checking, look at morningstar (they use a different specification) 3 month...
by jhfenton
Sat Aug 17, 2019 12:23 pm
Forum: Investing - Theory, News & General
Topic: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?
Replies: 14
Views: 1947

Re: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?

It will be interesting to watch. I've obviously been delighted with my investment in VEGBX, up 13.8% since inception 19 months ago (12/6/17) with quite reasonable volatility and max draw downs of 3-4%, even with the EM equity volatility in 2018. You can already see the peformance decay in the 21day...
by jhfenton
Thu Aug 15, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: Why Zero (or Negative) Interest Rates Could Someday Make Sense
Replies: 92
Views: 6474

Re: Why Zero (or Negative) Interest Rates Could Someday Make Sense

My first thought is- the projection for increasing life expectancy is already wrong right out-of-the-gate. Recent demographic trends show a decline in average lifespan. Doesn’t bode well for the credibility of the article if that’s major premise. I can't cite the source, but i recall reading somewh...
by jhfenton
Wed Aug 14, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Geekbench Scores: Single vs Mult-Core Scores?
Replies: 16
Views: 924

Re: Geekbench Scores: Single vs Mult-Core Scores?

But again, any of these systems will feel plenty snappy in normal use as long as it has an SSD. +1 The 2018 Mac minis all come with PCIe-based SSDs. They scream. (Prices are high, though, for the larger sizes, so I only bought a 256GB internal SSD, and use a 2TB external SSD. The external SSD only ...
by jhfenton
Wed Aug 14, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Geekbench Scores: Single vs Mult-Core Scores?
Replies: 16
Views: 924

Re: Geekbench Scores: Single vs Mult-Core Scores?

But again, any of these systems will feel plenty snappy in normal use as long as it has an SSD. +1 The 2018 Mac minis all come with PCIe-based SSDs. They scream. (Prices are high, though, for the larger sizes, so I only bought a 256GB internal SSD, and use a 2TB external SSD. The external SSD only ...
by jhfenton
Tue Aug 13, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5220

Re: Do you "lock" computers in your home?

It's a habit I have from work. Every time I leave my desk, I press WIN + L to lock the screen. I have that habit at work too. At home, I don't manually lock my Mac, but I do have it lock after 15 minutes of inactivity. I seldom have to enter my password, though, because it is also set to unlock aut...
by jhfenton
Tue Aug 13, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Geekbench Scores: Single vs Mult-Core Scores?
Replies: 16
Views: 924

Re: Geekbench Scores: Single vs Mult-Core Scores?

I am in the market for a Mac mini. I notice that it has an extremely high Single-Core Geekbench Score and a much lower (relative to other computers) Multi-core Score. Can anyone explain the significance of this? When is the computer faster and when would it lag? Thanks in advance for any clarificat...
by jhfenton
Mon Aug 12, 2019 8:46 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1471

Re: VTI vs. FSKAX for Taxable Account

I use FSKAX in taxable, and a dab of ITOT also. FSKAX has ER 0.015 while ITOT has 0.03. I guess one could also consider both for tax loss harvesting pairs. I suspect you'll pay more than the 0.015 ER difference in taxes on an annual basis. ETFs are better in taxable accounts (or Vanguard mutual fun...
by jhfenton
Fri Aug 09, 2019 8:28 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1471

Re: VTI vs. FSKAX for Taxable Account

You want ITOT at Fidelity in taxable. Not FSKAX. Only Vanguard mutual funds can be held in taxable accounts with the tax efficiency of an ETF. I hold some FSKAX, but only in a 401k. +1 This is entirely correct. ITOT is the iShares twin to VTI and is commission-free at Fidelity. It's the clear choic...
by jhfenton
Thu Aug 08, 2019 10:00 am
Forum: Personal Investments
Topic: E-Trade Sold VUSXX @ $0.99998
Replies: 10
Views: 1982

Re: E-Trade Sold VUSXX @ $0.99998

Pow wrote:
Tue Aug 06, 2019 10:36 pm
I think E-Trade is doing something shady.
It seems shady to me too. I would pursue a claim with a commitment of time and effort far of proportion to the dollars involved ($2.01).

I would then leave E*Trade as quickly as possible.
by jhfenton
Tue Aug 06, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6304

Re: Oh geeze. How should I pay for this? Walk me off the ledge

I'd negotiate a cash payment discount. I've never not been successful doing that with significant hospital bills. Failing that, I'd pay with a rewards credit card. Either way, I'd be saving cash in the meantime. You won't actually see a bill for a while. Back in the day DW and I paid $4.50 to go hom...
by jhfenton
Tue Aug 06, 2019 3:55 pm
Forum: Personal Investments
Topic: ITOT for taxable brokerage account at Fidelity?
Replies: 15
Views: 1263

Re: ITOT for taxable brokerage account at Fidelity?

ITOT would absolutely be my choice for a total US market fund in taxable at Fidelity.
by jhfenton
Mon Aug 05, 2019 7:04 am
Forum: Personal Investments
Topic: Is 0.30% Annual Fee on HSA Investment Account Reasonable?
Replies: 16
Views: 1123

Re: Is 0.30% Annual Fee on HSA Investment Account Reasonable?

I have about $20k in my HSA not invested (yet). My HSA investment provider charges an annual fee of 0.30% (in addition to any of the mutual fund expense ratios). Is this extra fee pretty standard or is it a ripoff? Switch to either Fidelity or Lively, both are basically fee free. +1 An HSA is not l...
by jhfenton
Thu Aug 01, 2019 9:46 am
Forum: Personal Investments
Topic: Can I find Happiness at TD Ameritrade?
Replies: 16
Views: 1109

Re: Can I find Happiness at TD Ameritrade?

Skeeter1 wrote:
Thu Aug 01, 2019 9:36 am
SPTM vs VTI
SPDW vs VXUS
SPAB vs BND ( not quite equal but close?)
Those funds are fine choices.

SPDW is developed only, though. To match VXUS, you need to include SPEM/SPDR Portfolio Emerging Markets at a 20/80 ratio with SPDW.
by jhfenton
Wed Jul 31, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1264

Re: 3 Days in Seattle

The lady and I will be taking in Seattle over a long weekend in August. Staying downtown and using Uber or public transportation. I'd appreciate any insight on must see places. So far we will do Pikes market and a ferry to Bainbridge. If you have any great restaurant, cocktail spot, or coffee shop ...
by jhfenton
Wed Jul 31, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does the cost of children actually go down once the daycare comes off the books?
Replies: 35
Views: 1817

Re: Does the cost of children actually go down once the daycare comes off the books?

I currently have 2 kids, age 3 and 5, and one of them is starting kindergarten in a few weeks, with the other starting in two years. While we are super excited about our $30,000 annual bill (for both kids) finally coming off the books, I keep hearing parents tell me that their kids keep getting mor...
by jhfenton
Wed Jul 31, 2019 10:21 am
Forum: Personal Investments
Topic: GBTC [bitcoin-linked unregistered OTC security]
Replies: 11
Views: 708

Re: GBTC [bitcoin-linked unregistered OTC security]

I should add that any premium in GBTC will disappear the second that a regulated Bitcoin ETF is approved. Folks using GBTC to avoid dealing with a wallet will jump ship for the safer alternative.
by jhfenton
Wed Jul 31, 2019 10:15 am
Forum: Personal Investments
Topic: GBTC [bitcoin-linked unregistered OTC security]
Replies: 11
Views: 708

Re: GBTC [bitcoin-linked unregistered OTC security]

Doesn't this trade at like 100% NAV premium? Yes. I'm not going to get into the merits or demerits of Bitcoin or cryptocurrencies as an investment, but I would go so far as to say that GBTC trading OTC is a scam. No one should buy GBTC OTC. No one. If one really wants to buy Bitcoin at this point, ...
by jhfenton
Tue Jul 30, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6031

Re: What's your Uber passenger rating?

My rating is 5.0, but I only have 8 trips on Uber.
by jhfenton
Mon Jul 29, 2019 2:14 pm
Forum: Personal Investments
Topic: 401K allocation options
Replies: 12
Views: 559

Re: 401K allocation options

The only ticker I recognize is FXAIX. The others I would have to look up. Overall, I agree with the advice you've already received. Simplify. No one needs 10 funds in their 401(k). Also, you should report your marginal tax rate, not your effective tax rate. Your marginal rate is what drives tax-effi...
by jhfenton
Mon Jul 29, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 32
Views: 3403

Re: Portability of Fidelity ZERO

Actually it doesn't. That is interesting. I would still bet that the order would not go through. The entire ZERO fund business model is predicated on the funds only being held in Fidelity brokerage accounts. Regardless, the round-trip cost to buy and sell the mutual fund is $19.00 ($9.95 x 2). The ...
by jhfenton
Mon Jul 29, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Portability of Fidelity ZERO
Replies: 32
Views: 3403

Re: Portability of Fidelity ZERO

The Fidelity ZERO funds must be held at Fidelity. See the Summary Prospectus: Shares of the fund are available only to individual retail investors who purchase their shares through a Fidelity brokerage account, including retail non-retirement accounts, retail retirement accounts (traditional, Roth ...
by jhfenton
Mon Jul 29, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7127

Re: Do you buy the highest trim car ?

Not really a car guy but we do usually buy up to the trim level that gives us leather seats. With kids, they just hold up a lot better and don't stain nearly as easily. Sometimes this is the highest trim level and sometimes it is the next one down. We buy Toyota or Honda. +1 We've never bought the ...
by jhfenton
Sun Jul 28, 2019 7:15 am
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3708

Re: User hostility when transferring brokerage accounts

Not going to name the names of the brokerage firm names that I transferred out of, but I recently transferred two accounts from brokerage firm A and B to Schwab. Both A and B charged me a $75 transfer fee! And brokerage firm B also locked me out of my account so I could not access any statements or...
by jhfenton
Fri Jul 26, 2019 10:35 am
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 593

Re: Need HSA investment advice

I just lump our HSA in with our portfolio. And since it's a relatively small account (~$50K), I have it invested in a single fund: FPADX/Fidelity Emerging Markets Index Fund at 7.5 bp. The only other tax-advantaged account we have that small is also invested in a single fund. I don't want to juggle ...
by jhfenton
Fri Jul 26, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 833

Re: Audible audio books

How the heck does Audible, an Amazon company not allow in-app purchases on your phone? How do you purchase a book? On a desktop!? You can purchase in a web browser on your phone, but it's as yo-eleven said, they (understandably) don't want to pay Apple's 30% commission. And you have to go to the Am...
by jhfenton
Thu Jul 25, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: Is there a High Tech Bubble in S&P 500 & Total Market?
Replies: 152
Views: 10021

Re: Is there a High Tech Bubble in S&P 500 & Total Market?

My point is that these stocks do not have to be grouped tightly together at all, even in something like "high tech/internet", which can mean anything. Walmart gets half its sales from internet, but you wouldn't call it an "internet company". So, why associate Amazon with Facebook but not Walmart? W...
by jhfenton
Tue Jul 23, 2019 9:08 am
Forum: Investing - Theory, News & General
Topic: ETF "Tax Efficiency" Quantified
Replies: 57
Views: 3105

Re: ETF "Tax Efficiency" Quantified

4) A person who had invested $10,000 in SWTSX at the beginning of 2009 would have paid $124.88 in federal capital gains taxes over 10 years. Or an average of about 12 basis points per year. Obviously state taxes vary greatly, but would add a bit to this amount. Saying 6 out of 10 years seems a bit ...
by jhfenton
Tue Jul 23, 2019 6:49 am
Forum: Personal Investments
Topic: Fidelity ZERO index funds in 401(k)
Replies: 7
Views: 766

Re: Fidelity ZERO index funds in 401(k)

But after doing some research, it looks like FZROX is nearly identical in performance to VTI. In fact, it looks like FZROX has nearly zero tracking error with the Fidelity's index. Also FZILX seems to be outperforming VXUS and IXUS over its first year. The ZERO funds are outstanding choices in tax-...
by jhfenton
Mon Jul 22, 2019 7:44 pm
Forum: Personal Investments
Topic: Rollover Fidelity 401k to Vanguard IRA
Replies: 11
Views: 701

Re: Rollover Fidelity 401k to Vanguard IRA

To avoid that situation, I exchanged some of my existing bond holdings (in traditional IRA) to stock holdings. When the transfer went through, I sold those stock holdings back to bonds, and then invested the transferred amounts according to my AA. If you have some available bond/fixed income holdin...
by jhfenton
Mon Jul 22, 2019 7:16 am
Forum: Personal Investments
Topic: Thoughts on 33% Large 33% Mid and 33% small?
Replies: 81
Views: 5429

Re: Thoughts on 33% Large 33% Mid and 33% small?

I am very curious on everyone's thoughts on having a portfolio that is 100% equities and then broken down to 33% large cap, 33% Mid Cap and then 33% Small Cap? Lets hear your thoughts on this model please? This is roughly our equity allocation. It's also roughly the market-cap breakdown in Vanguard...
by jhfenton
Mon Jul 22, 2019 7:04 am
Forum: Personal Investments
Topic: Rollover Fidelity 401k to Vanguard IRA
Replies: 11
Views: 701

Re: Rollover Fidelity 401k to Vanguard IRA

You can ask, but I've never seen a 401(k) provider allow in-kind transfers to another firm. Your best bet may be to perform a rollover to a Fidelity IRA and then transfer the Fidelity IRA in-kind to Vanguard. Whether the in-house Fidelity 401(k) to IRA rollover is in-kind or not, it should cut down ...
by jhfenton
Thu Jul 18, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: Total Stock (US and Intl): Fidelity ZERO vs Vanguard
Replies: 39
Views: 2910

Re: Total Stock (US and Intl): Fidelity ZERO vs Vanguard

2) Difficulty of transferrability outside of Fidelity may force taxable sale I'd say "impossibility" instead of "difficulty". They are, by explicit design, unambiguously non-transferable. Exactly. I responded to a direct message question this morning about what I meant by the parenthetical, and thi...
by jhfenton
Thu Jul 18, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 141
Views: 8743

Re: Changes to Morningstar Website?

Hmm, I don't have any changes at all. Maybe I've been using beta ver all along and forgot about it? I do not have premium. In my charts I can pull down "Growth" and change to Rolling Returns like before. Maybe if I delete cookies and cache... This is where I am now: http://quotes.morningstar.com/ch...
by jhfenton
Thu Jul 18, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3610

Re: Apple Watch Worth The $$$?

I love my Series 4 Apple Watch. (I have the non-cellular version.) It's greatest value to me is the ability to leave my phone behind when I run and still get GPS tracking, HR tracking, music, audiobooks, and podcasts. The latter three, of course, require AirPods or another set of wireless Bluetooth ...
by jhfenton
Wed Jul 17, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: Total Stock (US and Intl): Fidelity ZERO vs Vanguard
Replies: 39
Views: 2910

Re: Total Stock (US and Intl): Fidelity ZERO vs Vanguard

Posting this simply as an FYI - in case any fellow bogleheads had this question on the back burner. I have accounts at both Fidelity and Vanguard and utilize the three fund portfolio. So, I was recently wondering how two of the Fidelity ZERO products have fared compared to Vanguard to date. Answer,...
by jhfenton
Wed Jul 17, 2019 12:02 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 46
Views: 4390

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

Each MF lot is converted individually. So you'll have the same number of lots (the ETF lots will be fractional i.e. 2.76). Uncovered shares (MF shares before 2012) will be combined into one lot I believe. Formula for each lot conversion is: MFshares * mfPrice / etfPrice +1 And more precisely: ETFSh...
by jhfenton
Tue Jul 16, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 46
Views: 4390

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

Thanks for the replies. I have seen recent posts about pop-up windows with a link to do online conversion, but I have never seen one, and could find no mention of one on Vanguard's site. It appears that they're testing online conversions with a limited set of funds and perhaps with a limited set of...
by jhfenton
Tue Jul 16, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?
Replies: 14
Views: 1947

Re: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?

https://institutional.vanguard.com/VGApp/iip/site/institutional/researchcommentary/article/NewsInstInfo050119 Benchmark modification announced for Vanguard Emerging Markets Government Bond Index Fund and ETF [...] On May 1, 2019, Bloomberg modified the methodology of the Bloomberg Barclays USD Emer...
by jhfenton
Tue Jul 16, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8951

Re: Fidelity Expands Their Index Fund Lineup

The SEC filings showed a go live date of 2021. BOOOO. I want to invest in this now! Where do you see this? The prospectuses include the now standard language regarding mailing shareholder reports: "Beginning on January 1, 2021, as permitted by regulations adopted by the Securities and Exchange Comm...
by jhfenton
Sun Jul 14, 2019 3:19 pm
Forum: Personal Investments
Topic: Is Fidelity Total US Index (FSKAX) preferable to VGs (VTSAX) in a Taxable Account?
Replies: 4
Views: 608

Re: Is Fidelity Total US Index (FSKAX) preferable to VGs (VTSAX) in a Taxable Account?

No, if you want to use a total stock market mutual fund in a taxable account, you should use VTSAX because it is more tax-efficient than FSKAX or other mutual funds. If you use ETFs, most ETFs will have similar tax efficiency, whether you use VTI, SCHB, or ITOT. +1 Until Vanguard's patent expires a...
by jhfenton
Fri Jul 12, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8951

Re: Fidelity Expands Their Index Fund Lineup

The SEC filings showed a go live date of 2021. BOOOO. I want to invest in this now! Where do you see this? The prospectuses include the now standard language regarding mailing shareholder reports: "Beginning on January 1, 2021, as permitted by regulations adopted by the Securities and Exchange Comm...
by jhfenton
Wed Jul 10, 2019 8:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 41797

Re: Vanguard New Factor Funds Portfolio Statistics

VFMO has seen one net creation unit redeemed this year. Sad this isn’t getting better traction, as it seems like a decent momentum fund. I’ve been considering picking it up. If you like the construction of VFMO and you're investing in a retirement account, I'd go ahead and buy some. Trading costs a...
by jhfenton
Wed Jul 10, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 41797

Re: Vanguard New Factor Funds Portfolio Statistics

Asset growth has been inconsistent since I last looked at the AUM in December. VFMF and VFQY have had no net creations since January. VFVA took in a bunch of assets in January and has seen steady creations since. VFMV has seen slow, but steady growth. VFMO has seen one net creation unit redeemed thi...
by jhfenton
Tue Jul 09, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard hits back at Fidelity's loss-leader strategy by courting higher-margin businesses, like China and private equi
Replies: 19
Views: 1961

Re: "Vanguard hits back at Fidelity's loss-leader strategy by courting higher-margin businesses, like China and private

Nothing wrong with marketing gimmicks. I look for good cash back credit cards but I don't expect those to persist forever. If they go away I'll figure out what the next best alternative is. Isn't the catch here that Fidelity doesn't allow the ZERO funds to be held anywhere else? When they "go away"...
by jhfenton
Tue Jul 09, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8951

Re: Fidelity Expands Their Index Fund Lineup

Question: Has the Russell 2000 Value index suffered from the same front running that the Russell 2000 has? Not as much lately. IMHO, the biggest negative is that Russell uses only one value metric (book-to-price) whereas S&P uses three (book-to-price, earnings-to-price, and sales-to-price), which i...
by jhfenton
Tue Jul 09, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8951

Re: Fidelity Expands Their Index Fund Lineup

The SEC filings are here.

Unfortunately, the SCV index fund follows the Russell 2000 Value index. The ER is 0.05%.

Edited: I see benway beat me to it. :beer
by jhfenton
Sun Jul 07, 2019 7:04 pm
Forum: Personal Investments
Topic: Emergency fund - VOHIX or VUSXX
Replies: 6
Views: 912

Re: Emergency fund - VOHIX or VUSXX

My preference is to make sure my asset allocation is rational and to forego the mental accounting of an emergency fund. +1 We do keep some of our taxable account invested in VOHIX. If needed, we would draw from that fund after our checking and savings and before withdrawing money from our HSA (tax-...
by jhfenton
Thu Jul 04, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?
Replies: 14
Views: 1947

Re: Major changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?

I haven't been able to find any information on a change that would have almost completely dropped China from the index. The change did mostly occur in April, though. I found an advisor fact sheet (PDF) with data as of March 31, 2019, and it still showed China at 16.9% of the portfolio. By April 30,...