Search found 2035 matches

by jhfenton
Sat Oct 21, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions... I don't get it.
Replies: 10
Views: 751

Re: Roth Conversions... I don't get it.

Traditional IRA -> Roth IRA conversions are not contributions, so they are not capped at $5,500/$6,500 per year. You almost certainly shouldn't, but you could, convert all of a seven-figure traditional IRA to a Roth IRA in one fell swoop. You'd just have to pay taxes on the entire seven-figure amoun...
by jhfenton
Sat Oct 21, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 32
Views: 1812

Re: Why do I need bonds? (I'm 30)

I don't think you do if you can handle market crashes, if you understand that the absolute best thing for a young, aggressive saver is for the market to drop so you can invest more at lower prices. We didn't own any bonds until we reached 45, two years ago. At that point, I decided we were close en...
by jhfenton
Fri Oct 20, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Returning only the signature page [of a legal document]
Replies: 11
Views: 780

Re: Returning only the signature page [of a legal document]

It's a frustrating practice, and I put an end to it with our corporate vendor contracts where I have a say in the matter. We use digital signatures now with a commercial provider. The entire document is uploaded, signature locations get tagged, signatories get emails with links to review and sign. B...
by jhfenton
Fri Oct 20, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 32
Views: 1812

Re: Why do I need bonds? (I'm 30)

I don't think you do if you can handle market crashes, if you understand that the absolute best thing for a young, aggressive saver is for the market to drop so you can invest more at lower prices. We didn't own any bonds until we reached 45, two years ago. At that point, I decided we were close eno...
by jhfenton
Fri Oct 20, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 24
Views: 1813

Re: TD Ameritrade fund replacement

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=229801&start=250 There is a lot of discussion. I don't think anybody has liked replacements for "all" of the removed funds, but I'm fairly certain there is a low cost alternative to each of the removed vanguard ETFs somewhere in the iShare or SP...
by jhfenton
Fri Oct 20, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 19
Views: 1508

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

JustinR wrote:
Thu Oct 19, 2017 10:27 pm
Thanks. Lively said you can do an in-kind transfer within TDA without having to transfer out.
That is unexpectedly awesome! Thanks.
by jhfenton
Thu Oct 19, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?
Replies: 5
Views: 351

Re: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?

Index funds still own far less than a majority of the equity market. At this point, there is no shortage of active traders to drive price discovery. And though it could be a problem at some theoretical upper limit (99%? 90?%), it would a self-correcting problem. If there were ever too few active tra...
by jhfenton
Thu Oct 19, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

If you've made a trade within two weeks but sell it and buy off the the new commission free lists, will they hit you with the short term fee or waive it for the next month until November 21 as people transition? I'm guessing the system will ding you for the short-term fee (now $13.90). I would wait...
by jhfenton
Thu Oct 19, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?
Replies: 14
Views: 1241

Re: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?

TouchID is quite secure. At least with the Vanguard iOS app, TouchID can only be used to view your account information. If you try to trade or transfer you then have to enter your password. That strikes a nice balance of convenience and security. The TD Ameritrade app allows you to set three levels ...
by jhfenton
Thu Oct 19, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 19
Views: 1508

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

One HSA Bank question, do they take the fees from the HSA or can you pay them from a linked bank account?

Lively takes the HSA fees ($30/year) from a linked bank account, not the HSA itself.
by jhfenton
Thu Oct 19, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 19
Views: 1508

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

Lively+TDA likely the best choice if you are investing every dollar long-term. There is a great deal of whining about the commission free ETF changes, but that there are still good some very good options in the new commission free list. +1 I just moved my employer-sponsored HSA to Lively+TD Ameritr...
by jhfenton
Thu Oct 19, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

I can't imagine how anyone could get by on 100 mb per month on a smartphone, any smartphone, unless you turned off cellular data for all apps and services and only allowed it to download mail, messages, etc., when you were on wifi. Just routine mail, messages, and system services will use at least ...
by jhfenton
Thu Oct 19, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

According to State Street, "Each one of these ETFs is profitable at the current prices. " If Vanguard is offering the ETFs "at cost", it makes me wonder if Vanguard is not as efficient as State Street or if State Street has a different system of cost accounting. In any case, I like the clean naming...
by jhfenton
Wed Oct 18, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

I can't imagine how anyone could get by on 100 mb per month on a smartphone, any smartphone, unless you turned off cellular data for all apps and services and only allowed it to download mail, messages, etc., when you were on wifi. Just routine mail, messages, and system services will use at least a...
by jhfenton
Wed Oct 18, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 24
Views: 1813

Re: TD Ameritrade fund replacement

I came to ask almost the same question, but several funds I was using don't have an obvious replacement: VTI -> SPTM (US stocks). Agree with OP. Sadly, higher ER on SPTM seems to make it drag slightly behind VTI. VUG -> SPYG (US stocks, large cap growth). No obvious difference in performance in spi...
by jhfenton
Wed Oct 18, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 24
Views: 1813

Re: TD Ameritrade fund replacement

MrJones wrote:
Wed Oct 18, 2017 10:15 am
Slightly off topic, but anyone know if DRIP transactions from ETFs previously on the list will now be charged transaction fees?
They will not. DRIP transactions are never charged transaction fees (at TD Ameritrade).
by jhfenton
Wed Oct 18, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 24
Views: 1813

Re: TD Ameritrade fund replacement

Those should all be fine. The smallest of those, SPEM, now has $1.1B in assets, double what it had last week as GMM. I believe AUM and liquidity will improve dramatically on all the new SPDR Portfolio funds. Are the assets going up so quickly just from inclusion in the TD Ameritrade commission-free...
by jhfenton
Wed Oct 18, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer I can't imagine how I would get to 0% utilization while using our cards. We ru...
by jhfenton
Wed Oct 18, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 24
Views: 1813

Re: TD Ameritrade fund replacement

Those should all be fine. The smallest of those, SPEM, now has $1.1B in assets, double what it had last week as GMM. I believe AUM and liquidity will improve dramatically on all the new SPDR Portfolio funds.
by jhfenton
Wed Oct 18, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2860

Re: 30th Anniversary of October 19, 1987 stock market crash

On the evening of Saturday, October 17, 1987, driving home from homecoming, I fell asleep at the wheel and crashed my car into a telephone pole. I broke my jaw and my left collarbone and partially collapsed my left lung. A local judge happened to be driving behind me and rescued me from the smoking ...
by jhfenton
Wed Oct 18, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer I can't imagine how I would get to 0% utilization while using our cards. We ru...
by jhfenton
Wed Oct 18, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4702

Re: WPA2 protocol used by vast majority of wifi connections has been broken

In all likelihood any hacker would probably target a small business or doctors/ medical place before an individual home or even apartment. . Who knows. I figure hackers have to start somewhere and they might go for the low-hanging fruit first. Like a doctor living in a nearby, affluent neighborhood...
by jhfenton
Wed Oct 18, 2017 4:49 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7845

Re: New HSA provider Lively offers investments for $30/yr fee

My HSA money is in my TD Ameritrade account this morning and ready to invest. So in this case, at least, it only took one business day. Edited to add: I persuaded TD Ameritrade to give me three free trades in my HSA. They were reluctant, but I sweet-talked them. It took three messages through their ...
by jhfenton
Tue Oct 17, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

Has anyone gotten free trades from TD like this to use indefinitely, and for HSAs specifically? I think this may not work because (1) as far as I can tell any free trades given from TD have time limits associated with using them, and (2) in the case of HSAs, giving free trades would be considered a...
by jhfenton
Tue Oct 17, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

Has anyone gotten free trades from TD like this to use indefinitely, and for HSAs specifically? I think this may not work because (1) as far as I can tell any free trades given from TD have time limits associated with using them, and (2) in the case of HSAs, giving free trades would be considered a...
by jhfenton
Tue Oct 17, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Lot of discussion about alternative SPDR portfolio ETFs as substitutes. Not really a fair substitute. The SPDR funds are not only changing their tickers. They are CHANGING their tracking index to their OWN proprietary SSGA index. This is very troubling to me and I won’t use them for that reason alo...
by jhfenton
Tue Oct 17, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

Have my HSA there with a tiny amount, $20K. Ended up doing this today: BND to SPAB VTI to SPTM VBR to SPSM The only VG fund I didn't dump there was VDE (though I don't see this on the current list of free ETF's, odd). The energy alternatives had very high fees in comparison. Will just pay the commi...
by jhfenton
Tue Oct 17, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

There is a long thread discussing this, including the equivalents to the Vanguard ETFs:

viewtopic.php?f=10&t=229801
by jhfenton
Tue Oct 17, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

The new list is on their site. VTI is still included in the commission free ETFs. If they remove this ETF, I will contact them and let them know how displeasured I am. This coming from a NRA. VTI and the other Vanguard funds will be removed after November 20. They're sending out email notices to cu...
by jhfenton
Tue Oct 17, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4702

Re: WPA2 protocol used by vast majority of wifi connections has been broken

Also, I'm wondering if turning off the broadcasting of your network's SSID could help deter invasions?? No. Anyone sophisticated enough to be wardriving in your neighborhood in order the execute this attack will not be slowed down by an unbroadcast SSID. It looks like a basic first step for those m...
by jhfenton
Tue Oct 17, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

SPTM has an expense ratio of 0.10%, not as good as the 0.04% from VTI. I'm a little irked by TDA emailing me the bad news masquerading as good news. Where do you see 0.10%? I thought it was 0.03% per this link: https://us.spdrs.com/en/etf/spdr-portfolio-total-stock-market-ETF-SPTM That was the old ...
by jhfenton
Tue Oct 17, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

After logging into my HSA account at TDA, I saw a link to a PDF for the list of free ETFs as of 10/17/17. Also posted on the public site: https://www.tdameritrade.com/investment-products/etfs.page I only use VTI here and it is still an option. There are a total of 30 Vanguard ETFs available. I beli...
by jhfenton
Tue Oct 17, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

I haven't had a chance too look through the list yet, do we still have the ability to make a low-cost three fund portfolio? I used to use VTI, VEU&VSS, and BND. There are equivalents to VTI, VEU, and BND (and VWO), but not VSS. VTI = SPTM (3 bp) VEU = SPDW (4 bp) BND = SPAB (4 bp) VWO = SPEM (11 bp)
by jhfenton
Tue Oct 17, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

Just an FYI - those of you who have balances over $100,000, there is no fee to transfer the entire account out. This is true, and it's the household aggregate balance that matters. We transferred 5 TDAmeritrade accounts to Vanguard two years ago and didn't pay any transfer fees. Two of the accounts...
by jhfenton
Tue Oct 17, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4702

Re: WPA2 protocol used by vast majority of wifi connections has been broken

You do have to be targeted. They do have to be within wifi range of your house. It can be fixed by patching clients. Those all minimize the likelihood of damage. But, it affects every unpatched client, including IoT devices like smart doorbells and locks and wifi security cameras. How quickly will t...
by jhfenton
Mon Oct 16, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7845

Re: New HSA provider Lively offers investments for $30/yr fee

I received an email from Lively support late this afternoon that my trustee-to-trustee transfer check arrived today and had been credited to my account. They said it would show as pending now and would post this evening. I should be able to transfer it to the TD Ameritrade account tomorrow and then ...
by jhfenton
Mon Oct 16, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

I just noticed that the returns on these (and VGIT) are depressingly low. What do you think about this fund, with a lower ER and higher returns? SPTL (SPDR Portfolio Long Term Treasury ETF) ITE for comparison: https://us.spdrs.com/en/etf/spdr-bloomberg-barclays-intermediate-term-treasury-etf-ITE I ...
by jhfenton
Mon Oct 16, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 892

Re: Apple Pay and CVV number

ApplePay sends a dynamically-generated CVV to go with the dynamically-generated Device Account Number. It's supposed to be treated as a card-present transaction, and you're not supposed to have to show the physical card (since there isn't one). Someone has a bad implementation. I've never had a stor...
by jhfenton
Mon Oct 16, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

Press release and full list of ETFs: https://s1.q4cdn.com/959385532/files/doc_downloads/Expanded-Commission-Free-ETF-Program.pdf What's the best equivalent for VGIT ? I have that in my HSA so that I have to pay minimal state taxes, since CA doesn't recognize HSAs. Looking for a commission-free bond...
by jhfenton
Mon Oct 16, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4702

Re: WPA2 protocol used by vast majority of wifi connections has been broken

If one has a router through, say, Comcast, does Comcast have to push some sort of firmware when it's available? RM They should be able to. My telecom employer will as soon as we get patches from the manufacturer. Our gateways have a client on them that periodically checks for SW updates. But we don...
by jhfenton
Mon Oct 16, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

I wouldn't touch these new SPDR Portfolio funds in a taxable account, but I'd be OK with them in a tax-advantaged account, including my new Lively-TD Ameritrade HSA. I expect assets and liquidity will improve for most of the funds. Edited to add: Some of them I wouldn't touch until I actually saw so...
by jhfenton
Mon Oct 16, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

There's another thread with an ongoing discussion:

viewtopic.php?p=3575105#p3575105

The closest equivalent to the departing Vanguard funds is the newly-minted lineup of SPDR Portfolio funds.
by jhfenton
Mon Oct 16, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

There's several SPDR® Portfolio funds. The SPDR® Portfolio site is currently "down for maintenance." :? Up for me at the moment. Here's a list, though I didn't check if all are free at TDA: https://us.spdrs.com/en/strategies/spdr-portfolio-low-cost-etfs/view-all-spdr-portfolio-etfs It is back up no...
by jhfenton
Mon Oct 16, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

deltaneutral83 wrote:
Mon Oct 16, 2017 9:43 am
So how much longer will VTI be traded commission free on TDA, or is it a already over?
It should be at least 30 days from when they make the change official.
by jhfenton
Mon Oct 16, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

Here is the list of the new SPDR low-cost ETFs. http://www.businesswire.com/news/home/20171016005642/en/State-Street-Global-Advisors-Launches-Suite-Ultra-Low-Cost SPEM is a name change from GMM, with a price drop from 59 bp to 11 bp. It already had $577.45 MM in assets and traded $2.83 MM per day (a...
by jhfenton
Mon Oct 16, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

lazyday wrote:
Mon Oct 16, 2017 8:52 am
There's several SPDR® Portfolio funds.
The SPDR® Portfolio site is currently "down for maintenance." :?

I'm disappointed that they have MTUM and QUAL, two of the iShares Edge single-factor funds, on the commission-free list but not VLUE. I've always liked the construction of VLUE.
by jhfenton
Mon Oct 16, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4702

Re: WPA2 protocol used by vast majority of wifi connections has been broken

It's definitely worthy of a new thread. I saw the news yesterday from some security folks on Twitter. I hope that fixes will be widely and quickly deployed by vendors, but that will only help folks aware of the problem and savvy enough to update the firmware on their routers. Fortunately, it can be ...
by jhfenton
Mon Oct 16, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7845

Re: New HSA provider Lively offers investments for $30/yr fee

From the other thread, discussing the changes to TD Ameritrade's commission-free ETF changes: TD Ameritrade Drops Vanguard The list of new ETF providers is not promising, but the key will be whether they have they a few key core iShares ETFs. It does look like they're going pay-to-play, so I'm not h...
by jhfenton
Mon Oct 16, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 331
Views: 16730

Re: Fellow TDA bogleheads

I'll wait for an announcement with details, but this sounds pretty grim for low-cost investing with TDA. It definitely does not sound like a promising line-up. :annoyed I'm glad the list is coming out today, because I'm going to be investing my rolled-over HSA money there this week. I'd like to mak...
by jhfenton
Sun Oct 15, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: international funds - brokerage account
Replies: 8
Views: 456

Re: international funds - brokerage account

You are missing Canada which is a reasonable chunk of the global market. You could have everything in one fund if you used Total International Index instead. Is there a reason to want to use 3 separate funds? https://www.bogleheads.org/wiki/FAQ_on_Vanguard_international_funds VTMGX includes Canada....