Search found 4029 matches

by jhfenton
Mon Jun 24, 2019 3:19 pm
Forum: Investing - Theory, News & General
Topic: SPY buyback adjusted yield
Replies: 10
Views: 650

Re: SPY buyback adjusted yield

Search for "shareholder yield" and you can find data sources that offer the information and articles that have some numbers. I'm not sure that any of the data sources are free. Some sources also include debt-paydown yield into the total along with (1) dividend yield and (2) share buyback yield.
by jhfenton
Mon Jun 24, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: TDA - capital gains harvest = short term trading fee?
Replies: 7
Views: 299

Re: TDA - capital gains harvest = short term trading fee?

TDA said that it is within 30 days (apparently either way?) I responded that it clearly says "may be subject to a holding period that commences with any purchase and extends through the following THIRTY (30) calendar days". Following means following. Aggravating to spend time on something so trivia...
by jhfenton
Mon Jun 24, 2019 8:08 am
Forum: Personal Investments
Topic: Seeking practical help understanding “bid-ask spread” for ETFs
Replies: 52
Views: 2192

Re: Seeking practical help understanding “bid-ask spread” for ETFs

There are some instances at bogleheads.org of investors selling shares in one account and buying them in another account for the same price. Thus, no spread. There is ALWAYS a spread. And you can NEVER avoid paying it. But this is not true. There is no spread at the opening cross/auction or the clo...
by jhfenton
Sat Jun 22, 2019 5:16 pm
Forum: Personal Investments
Topic: Seeking practical help understanding “bid-ask spread” for ETFs
Replies: 52
Views: 2192

Re: Seeking practical help understanding “bid-ask spread” for ETFs

Also, do I pay the spread as a buyer but get the benefit of the spread as an eventual seller, or is it a cost to me on both ends? The spread represents the difference, at a particular point in time, between price you can get if you sell and the price you will pay if you buy. You can and should expe...
by jhfenton
Fri Jun 21, 2019 1:19 pm
Forum: Personal Investments
Topic: Roth conversions-easier if at same brokerage
Replies: 10
Views: 762

Re: Roth conversions-easier if at same brokerage

Thanks for the replies. I'll be transferring the Roth from Vanguard to TDA to keep things simple. As I've detailed in other posts I prefer not to deal with Vanguard anymore and this was just one account I hadn't gotten to transferring. I definitely think that it makes sense to do the conversion at ...
by jhfenton
Wed Jun 19, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 33
Views: 3787

Re: Vanguard mobile check deposit

I did not know this was an option. Is it only for brokerage accounts? What is one has a mutual fund account with a prime money market fund? I believe it has worked for mutual fund accounts for a long time. When we moved our accounts to Vanguard in 2015, I found the option in the Vanguard app, but w...
by jhfenton
Tue Jun 18, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 33
Views: 3787

Re: Vanguard mobile check deposit

When I take a screen shot and blow it up on a computer monitor it looks better, but on the phone screen, the vanguard check image is tiny. The app works in portrait mode and doesn't zoom in and crop the image. I took the pictures in landscape mode (android), as I do with my Ally Bank mobile deposit...
by jhfenton
Tue Jun 18, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 33
Views: 3787

Re: Vanguard mobile check deposit

How did the picture look when you've made your deposit? The pictures looked clear and legible to me. Kevin When I take a screen shot and blow it up on a computer monitor it looks better, but on the phone screen, the vanguard check image is tiny. The app works in portrait mode and doesn't zoom in an...
by jhfenton
Tue Jun 18, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Can't contact VG & "Your account information is temporarily unavailable"
Replies: 25
Views: 953

Re: Can't contact VG & "Your account information is temporarily unavailable"

roadnottaken wrote:
Tue Jun 18, 2019 9:58 am
It was down for me for about 5 minutes, but looks like it's back-up again
It's still squirrelly. I was able to get to the Yubikey challenge page, but that threw an error. And now I'm back to the same unavailable message.
by jhfenton
Tue Jun 18, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Can't contact VG & "Your account information is temporarily unavailable"
Replies: 25
Views: 953

Re: Can't contact VG & "Your account information is temporarily unavailable"

I'm seeing the same thing on the website. I haven't tried to call.
by jhfenton
Tue Jun 18, 2019 7:36 am
Forum: Investing - Theory, News & General
Topic: VTSAX - Low Q2 dividend
Replies: 15
Views: 3471

Re: VTSAX - Low Q2 dividend

1. It's probably a quirk of timing. The March dividend was much higher this year than last. And the June dividend is a week earlier. YTD dividends are still $0.6383 vs $0.5692 a year ago through June.
2. Lower dividends mean higher tax efficiency. Yay!
by jhfenton
Tue Jun 18, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 33
Views: 3787

Re: Vanguard mobile check deposit

Just did my first Vanguard mobile check deposit, and in researching it, came across this somewhat old thread, and saw that some questions weren't answered. Here's what I know or think I might know so far. The function in the Vanguard app appears to work now, but I've been reluctant to use it. When ...
by jhfenton
Mon Jun 17, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I'd say that Nextdoor is well-established at this point. I've been registered for a couple of years. At this point, I mostly use it as a source for real-time local news/information.
by jhfenton
Thu Jun 13, 2019 12:03 pm
Forum: Personal Investments
Topic: Vanguard International Type Funds/ETFs
Replies: 2
Views: 276

Re: Vanguard International Type Funds/ETFs

Looking for people's thoughts on owning international stock fund/etfs; how much to recommend, etc? Also looking for people's opinions on Vanguard FTSE All-World ex-US Small-Cap ETF (VSS), it seems like it might be reasonable to cover small international companies? VSS is our largest holding. To me ...
by jhfenton
Thu Jun 13, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3502

Re: Which shaving cream / oil?

I also use Cremo. It's effective, cheap, and a 6 oz. tube lasts a long time.
by jhfenton
Thu Jun 13, 2019 11:45 am
Forum: Personal Investments
Topic: Emergency Fund in VOHIX
Replies: 3
Views: 705

Re: Emergency Fund in VOHIX

I am resident of Ohio and was wondering if this would be a good fit to park some of the money which is currently in a high interest account. VOHIX seems better performance than online high interest accounts . Wont the tax benefits make this even better ? VOHIX is a great fund, and I do use it as a ...
by jhfenton
Wed Jun 12, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 4803

Re: How much is your guys’ fees for your 401k?

I work for a mini-megacorp (S&P 600 company). Mine is $0 per year at Fidelity with a mix of Vanguard and Fidelity Index Funds, Vanguard Target Retirement Funds, a handful of old-school active funds, and one DFA fund (Small Cap). My wife's is something like 0.169% per year (variable) at Empower Retir...
by jhfenton
Wed Jun 12, 2019 9:43 am
Forum: Personal Investments
Topic: Emerging Bonds: Index (VWOB) vs Active (VEGBX )
Replies: 3
Views: 409

Re: Emerging Bonds: Index (VWOB) vs Active (VEGBX )

Does anybody have a sophisticated opinion? Thx :greedy In emerging market debt markets, I see all of those issues as magnified: less liquid, harder to research, etc. So I decided that I was more than happy to pay Vanguard 13 bp (now 15 bp) extra to look for value in emerging market debt. Particular...
by jhfenton
Wed Jun 12, 2019 9:11 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4108

Re: bizarre letter from Vanguard

I spoke to Vanguard. The people saying they only count Vanguard mutual funds, etc. and not CDs or other companies' mutual funds are apparently correct. Not that I care about Voyager status, since even with it Vanguard hides their phone number from peons like myself and I have to google to find it. ...
by jhfenton
Tue Jun 11, 2019 2:18 pm
Forum: Personal Investments
Topic: Emerging Bonds: Index (VWOB) vs Active (VEGBX )
Replies: 3
Views: 409

Re: Emerging Bonds: Index (VWOB) vs Active (VEGBX )

Does anybody have a sophisticated opinion? Thx :greedy I don't know that my opinion is sophisticated, but I opted for VEGBX. I invested a little bit in the Investor shares on launch day (12/6/17) and then bumped it to a hair over $50K the following week and converted to VEGBX. (My $50,0xx has grown...
by jhfenton
Tue Jun 11, 2019 9:52 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4108

Re: bizarre letter from Vanguard

I spoke to Vanguard. The people saying they only count Vanguard mutual funds, etc. and not CDs or other companies' mutual funds are apparently correct. Not that I care about Voyager status, since even with it Vanguard hides their phone number from peons like myself and I have to google to find it. ...
by jhfenton
Mon Jun 10, 2019 8:32 am
Forum: Personal Investments
Topic: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)
Replies: 8
Views: 728

Re: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)

VTMGX (Developed Markets) VEMAX (Emerging Markets) VWIGX (International Growth) VTRIX (International Value) The only one of those that most Bogleheads would consider adding would be VEMAX. Total International is about 80% developed markets, 20% emerging markets. There's no point in adding more deve...
by jhfenton
Sun Jun 09, 2019 9:07 am
Forum: Personal Investments
Topic: Suitability of multifactor in taxable
Replies: 12
Views: 684

Re: Suitability of multifactor in taxable

As others have said, I would stick with VFMF over VFMFX in taxable. I am confident that the ETF will never distribute significant capital gains. I suspect that the mutual fund will eventually distribute capital gains. I don't see how it could avoid them. (We own both VFMFX and VFVA in two tax-advant...
by jhfenton
Sun Jun 09, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

Sorry, I was not aware that all iShares ETFs are comm free at Vanguard, I dont have Vanguard account - But, isn't that was just last year ? Obviously Fido wont offer free Vanguard ETFs, not part of their marketing strategy but I think iShares free ETFs at Fido are typically better vs Vanguard ... I...
by jhfenton
Fri Jun 07, 2019 10:05 am
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 31
Views: 2064

Re: Brokerages with no-transaction fees for Vanguard funds

If you look at Vanguard’s page for a given mutual fund, there will be a link to the equivalent ETF, if there is one. Vice-versa for the ETF pages. There should be a button for converting a MF to ETF. Or try exchanging MF directly to ETF. The site may direct you to a special page (it does that for R...
by jhfenton
Fri Jun 07, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Do I adjust capital gains/losses for short term trading fees?
Replies: 10
Views: 539

Re: Do I adjust capital gains/losses for short term trading fees?

Just brainstorming here, but was there any component of the calculation that used the number of shares as a multiplier? If so, then an argument could be made that it was a commission on the sale. If, however, it is a fixed dollar amount short-term trading fee that is unrelated to the number of shar...
by jhfenton
Fri Jun 07, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

confusedinvestor wrote:
Thu Jun 06, 2019 9:37 pm
Obviously Fido wont offer free Vanguard ETFs, not part of their marketing strategy but I think iShares free ETFs at Fido are typically better vs Vanguard ...
I don't understand your statement. All iShares ETFs are free at Vanguard. Only some iShares ETFs are free at Fidelity. 100% free is better.
by jhfenton
Thu Jun 06, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do I adjust capital gains/losses for short term trading fees?
Replies: 10
Views: 539

Re: Do I adjust capital gains/losses for short term trading fees?

They are investment fees, and do not impact your basis. Think of them in the same category as advisor fees and such. They would have been previously deductible (to the extent over 2% of AGI) as investment expense but are no longer Mike I realize that Katietsu's broker is not reporting them as commi...
by jhfenton
Thu Jun 06, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: Is an active mutual fund ever appropriate?
Replies: 21
Views: 1795

Re: Is an active mutual fund ever appropriate?

Vanguard Emerging Markets Bond I also own VEGBX/Vanguard Emerging Markets Bond at 45 bp. For an asset class like EM bonds, I'm willing to pay the extra 15 bp (previously 13 bp) compared to an index fund like VWOB/Vanguard Emerging Markets Government Bond Index ETF at 30 bp (32 bp until recently). G...
by jhfenton
Thu Jun 06, 2019 8:21 am
Forum: Personal Investments
Topic: New Voyager Eligibility Status
Replies: 7
Views: 966

Re: New Voyager Eligibility Status

I just called to ask for my Voyager status to be upgraded to Select. Was told that even if the representative submitted a manual application, it would be rejected due to a 3-month look back period. I asked if that was new, and he said it was fairly new. Anybody else run into this "problem?" That mu...
by jhfenton
Thu Jun 06, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

Ultimately you're the one who has to decide for yourself I suppose. For my investing, I prefer to take emotion out of it as much as possible and go where the evidence takes me. And there is no chance, ever, that the difference between VSS and SCHC (even at 30% of a portfolio) is going to have a sta...
by jhfenton
Wed Jun 05, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

Indeed, even with a 25% allocation to international small cap stocks it's hard to see that VSS (portfolio 1) or SCHC (portfolio 2) are obviously preferable. https://i.imgur.com/dE0mZdq.png https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=20...
by jhfenton
Tue Jun 04, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

Would be amazing if they would offer Vanguard ETF's commission-free! Would love to invest in them in my HSA and traditional investment accounts without paying fees. I can’t imagine there is Vanguard ETF that doesn’t have a very reasonable equivalent among these 503 ETFs. VSS/Vanguard FTSE All-World...
by jhfenton
Tue Jun 04, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4274

Re: Amazon free shipping, bait-and-switch?

I'm not getting any non -free options for that item: I see basically the same options as you, all free, except shifted to Cincinnati. We're Prime members, so I've never seen any issues with delivery not being free. Even when I try to find things locally, I often end up having to order them on Amazo...
by jhfenton
Tue Jun 04, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity expands commission-free ETF list to >500
Replies: 55
Views: 4561

Re: Fidelity expands commission-free ETF list to >500

Would be amazing if they would offer Vanguard ETF's commission-free! Would love to invest in them in my HSA and traditional investment accounts without paying fees. I can’t imagine there is Vanguard ETF that doesn’t have a very reasonable equivalent among these 503 ETFs. VSS/Vanguard FTSE All-World...
by jhfenton
Thu May 30, 2019 1:27 pm
Forum: Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 17
Views: 2205

Re: TLH partners VSIAX, VEMAX, VSS

For VSS, there is no equivalent ETF that includes both developed and emerging markets. SCHC at 12 bp is developed only and would be a reasonable choice. What about iShares MSCI EAFE Small-Cap ETF (SCZ) for tax loss harvesting with Vanguard FTSE All-World ex-US Small-Cap ETF (VSS)? SCZ's ER is 0.39%...
by jhfenton
Wed May 29, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14947

Re: Fun paid jobs after FIRE

I really don't understand this sentiment. A 40-something has 50x expenses saved up, which he/she earned working 50+ hours/week at a job they (slightly) hated. That person leaves the job they dislike to go do something for a couple days/week, and they happen to get paid for it (but don't need the mo...
by jhfenton
Wed May 29, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Contingent beneficiaries on a Vanguard Joint Account
Replies: 6
Views: 525

Re: Contingent beneficiaries on a Vanguard Joint Account

I and my wife have a Vanguard joint tenancy with right of survivorship taxable account. When one of us passes the other becomes sole owner. At that time the survivor can designate a primary and, if desired, contingent beneficiary for that account. Just confirmed the above with Vanguard rep. That is...
by jhfenton
Wed May 29, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14947

Re: Fun paid jobs after FIRE

Little league umpire. +1 I'd consider doing some youth soccer refereeing for fun. I can't imagine one would do primarily it for the $13-30/game the local youth soccer association pays. What I expect to do is look for opportunities to teach English. I have an undergraduate degree in linguistics, and...
by jhfenton
Tue May 28, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite High-Yield Bond Funds?
Replies: 23
Views: 2237

Re: Your Favorite High-Yield Bond Funds?

The only high-yield bond funds I would be interested in are FALN/iShares Fallen Angels USD Bond ETF or ANGL/VanEck Vectors Fallen Angel High Yield Bond ETF. There is solid evidence that the investment grade cliff results in an exploitable anomaly, and both funds have significantly outperformed vanil...
by jhfenton
Tue May 28, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question about HSAs
Replies: 4
Views: 379

Re: Question about HSAs

7,000 is the max for both combined. Family max. bloom2708 is correct. Because you have family HDHP coverage, you are both deemed to have family HDHP. So you can each contribute up to $7,000 to an HSA in your name. Your combined contributions, including those of your employers, also cannot exceed $7...
by jhfenton
Sat May 25, 2019 8:07 pm
Forum: Non-US Investing
Topic: Vanguard Austalia launches global multifactor fund/etf
Replies: 5
Views: 483

Re: Vanguard Austalia launches global multifactor fund/etf

I hope the spread of multifactor funds is a sign on things to come. I would love an ex-US multifactor fund or ETF. (A global fund would be less attractive to me.)
by jhfenton
Fri May 24, 2019 9:02 am
Forum: Personal Investments
Topic: Looking to buy ETFs for the 1st time
Replies: 23
Views: 1572

Re: Looking to buy ETFs for the 1st time

My experience with individual stocks is that Fidelity, for example, would not even allow you to submit the order if the price was way off the mark. 20% higher or lower. Perhaps that has changed. This is probably broker specific. I can see a broker putting some gates in their software to reduce erro...
by jhfenton
Fri May 24, 2019 7:56 am
Forum: Personal Investments
Topic: Looking to buy ETFs for the 1st time
Replies: 23
Views: 1572

Re: Looking to buy ETFs for the 1st time

If you make a mistake in order entry, it's too bad. Those are all real orders and cannot be cancelled after they have been executed. If the trade has not been executed, you can still cancel, with the exception of some special cases. For instance, you can't cancel market on close orders within a cer...
by jhfenton
Fri May 24, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: VTWAX vs VTSAX in my taxable account
Replies: 4
Views: 784

Re: VTWAX vs VTSAX in my taxable account

Since you already have VTSAX (Total Stock) in taxable, I would just add VTIAX (Total International) in taxable instead of VTWAX (Total World). It will make for easier rebalancing and better tax-lost harvesting. If you add VTWAX, you're doubling up on the stocks in VTSAX. To me, VTWAX only makes sens...
by jhfenton
Fri May 24, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 245
Views: 38964

Re: Vanguard New Factor Funds Portfolio Statistics

Why does the Vanguard UK value factor fund have much higher turnover? https://www.vanguardinvestor.co.uk/investments/vanguard-global-value-factor-ucits-etf-usd-accumulating/portfolio-data?intcmpgn=equityglobal_globalvaluefactorucitsetf_fund_link https://investor.vanguard.com/etf/profile/portfolio/v...
by jhfenton
Thu May 23, 2019 11:50 am
Forum: Personal Investments
Topic: Looking to buy ETFs for the 1st time
Replies: 23
Views: 1572

Re: Looking to buy ETFs for the 1st time

3. What happens if you make a mistake while buying or selling, such as putting in $200 instead of $20. A) Don't do it. B) Call your brokerage firm BEFORE you try to fix it yourself. There won't be anything to fix. If the current ask is $19.99/share and you put in a limit order at $200.00 instead of...
by jhfenton
Thu May 23, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 15
Views: 2003

Re: Vanguard website fail at the propitious moment

Maybe some helpful poster also plans to place an order with Vanguard today and can comment on that particular aspect. I have no reason to place any orders any time soon via anyone, so I don't volunteer to be the test case. PJW I just bought 6 shares of VFVA/Vanguard US Value Factor ETF in my Roth I...
by jhfenton
Thu May 23, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 245
Views: 38964

Re: Vanguard New Factor Funds Portfolio Statistics

Why does the Vanguard UK value factor fund have much higher turnover? I have no idea why the Global Value Factor fund would have such high turnover. I don't see where the fund is doing anything that would artificially inflate that number, but I also don't see why the strategy would result in turnin...
by jhfenton
Thu May 23, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 15
Views: 2003

Re: Vanguard website fail at the propitious moment

No. It was working this morning, and it is working now.