Search found 2808 matches

by jhfenton
Fri Apr 20, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard multi-factor ETF blocked at Merrill Edge
Replies: 2
Views: 410

Re: PSA: Vanguard multi-factor ETF blocked at Merrill Edge

I bought the VFMFX Admiral Shares at launch, so I haven't bought VFMF yes. But I have bought the even less active VFVA (Vanguard US Value Factor) (at Vanguard, in an IRA). VFMF has added $20 MM in assets to its original $7.5 MM (currently $27.51 MM according to ETF.com). VFVA has no new shares creat...
by jhfenton
Fri Apr 20, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 87
Views: 9953

Re: Vanguard New Factor Funds Portfolio Statistics

I bet there's some Bogleheads who never owned .5% of a fund until recently. You can count me in that category. I've never been close before, but I currently own about 0.7% of VFVA. :beer (I own a bit more VFMFX than VFVA, but I've been diluted to less than 0.5% at this point.) Myself, I wish they w...
by jhfenton
Fri Apr 20, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 87
Views: 9953

Re: Vanguard New Factor Funds Portfolio Statistics

AUM update: VFMFX $18.2 MM (as of 3/31/18 from Vanguard) (M* shows $31.6 MM, but I'm skeptical that is accurate) VFMF $27.44 MM VFMO $9.88 MM VFMV $7.99 MM VFQY $7.87 MM VFLQ $7.85 MM VFVA $7.77 MM * ETF assets from ETF.com Other than the multifactor fund, the other ETFs haven't grown yet. Only VFMO...
by jhfenton
Fri Apr 20, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 29
Views: 3652

Re: The Two Fund Portfolio

In theory, I could see using a global equivalent of the new Vanguard US Multifactor Admiral Shares (or ETF) as a single equity holding. The Vanguard multifactor fund is about 1/3 large, 1/3 mid, 1/3 small, and selects stocks with reasonable valuation, quality, and momentum metrics. A global version ...
by jhfenton
Thu Apr 19, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 24
Views: 1926

Re: Do you use Yahoo? New Privacy Terms

I thought about that. My concern was that someone else could then sign up using my old username and some random folks might end up impersonating me. +1 That's what stopped me from deleting my Yahoo account last night. I'll just leave the email account dormant, and use the portfolio page as long as ...
by jhfenton
Thu Apr 19, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 24
Views: 1926

Re: Do you use Yahoo? New Privacy Terms

I have an account with https://protonmail.ch but I primarily still use gmail. Some day I may get away. I've had a ProtonMail account for a while, but I haven't really used it. I just upgraded to a $5/month paid account to test out the more advanced features. If I like it, it's $48/year paid annuall...
by jhfenton
Thu Apr 19, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: poor fund choices on HSA account BB&T
Replies: 2
Views: 268

Re: poor fund choices on HSA account BB&T

any thoughts on this? The529guy is correct. My employer-sponsored HSA is not terrible, but it's also not great. They charge $2/month to invest plus 20 bp per year (5 bp per quarter) on the invested assets, and they have a few Vanguard funds. I left most of our HSA assets there when the investment f...
by jhfenton
Wed Apr 18, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Divesting gun stocks
Replies: 11
Views: 985

Re: Divesting gun stocks

I don't buy gun stocks to support gun manufacturers. I don't buy any stocks to support any particular companies. I invest in broad index funds to fund our retirement and fund the things that I really want to do and support in retirement, whether that be buying guns or traveling the world learning ev...
by jhfenton
Wed Apr 18, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 24
Views: 1926

Re: Do you use Yahoo? New Privacy Terms

I only use Yahoo! Finance to track a portfolio of ETF tickers that I watch. I don't really use the email address or any of their other services. I looked at deleting my Yahoo! account this evening, but at the bottom of the terms they show you when you attempt to delete your account, they say that th...
by jhfenton
Sun Apr 15, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: First Post: HSAs & American Funds v. Vanguard returns
Replies: 6
Views: 369

Re: First Post: HSAs & American Funds v. Vanguard returns

1)H.S.A. is currently in a company provided checking account earning zero-point-nothing interest. Not much in the account right now, but as we max this out over the coming years, I’d like to earn something on it. Is it possible to set up a second, parallel H.S.A. account that’s invested in stock/bo...
by jhfenton
Sat Apr 14, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
Replies: 22
Views: 1469

Re: How many of you have some developed international and EM indexed bond funds in your portfolio?

I am considering doing a 50% total US bond index, 25% DM, and 25% EM or 50/50 US/EM. Looking at Morningstar risk/return BND has risk of "above average" and return of "average". BNDX and VWOB have the same returns with risk of "Below average". Found it surprising that EM was rated less risk than US ...
by jhfenton
Sat Apr 14, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 18
Views: 1693

Re: Vanguard customer experience

One of the rules of procedure is never put two transactions in the same envelope. The workflow process is that one action of opening an envelope produces one transaction. The other transaction no more exists than if you had put in a piece of last year's want ads from the paper. Indeed. I won't make...
by jhfenton
Sat Apr 14, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
Replies: 22
Views: 1469

Re: How many of you have some developed international and EM indexed bond funds in your portfolio?

I have about 5% of our portfolio in VEGBX (Vanguard Emerging Markets Bond Admiral Shares). It's the newish active EM bond fund. I don't consider it part of our equity allocation or our fixed income allocation. It is in its own category, mentally divided about 50/50 between equity and bond. (Though i...
by jhfenton
Sat Apr 14, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 18
Views: 1693

Re: Vanguard customer experience

I think the biggest thing you can do--and I know that you tried--is to make sure that the account names match exactly and to make all transfers entirely online with absolutely no paperwork involved. As soon as any paperwork is involved, you increase the odds of running into trouble. I will never mai...
by jhfenton
Sat Apr 14, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: How volatile could REITs be going forward?
Replies: 7
Views: 899

Re: How volatile could REITs be going forward?

The premise of your question is not accurate. As livesoft said, REITS have consistently been more volatile than either US or ex-US equities overall. I believe that is unlikely to change. (You can go to portfoliovisualizer.com and compare the historical performance and volatility of different asset c...
by jhfenton
Sat Apr 14, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4874

Re: Factor Investing - I convincing article

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...
by jhfenton
Sat Apr 14, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 2576

Re: Aren't we betting a bit too heavily on US stocks and bonds?

I feel I have to ask this. There is so much information on the internet with regard to investing, but most of the simple portfolios I've come across recommend that at least 60-80% of our portfolio consists of US securities. Why are we recommended not to diversify much in terms of countries in which...
by jhfenton
Fri Apr 13, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 753

Re: Investor to admiral shares conversion question

It is better not to wait for the automatic conversion. If the value of the holding becomes large enough to convert, it may drop back below the required amount before the automatic conversion occurs. In that case, you would have to wait until it went back up. If you convert manually, it will stay th...
by jhfenton
Fri Apr 13, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3040

Re: Emerging markets tilt

I know with Apple and Google that they are making real money-- almost obscene amounts of real money. I am not so convinced with the mainland Chinese stocks. TSMC is a special case-- I don't worry about the accounting so much, it's kind of another Intel-- the world's largest semiconductor manufactur...
by jhfenton
Thu Apr 12, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3040

Re: Emerging markets tilt

Depending on how much money you have invested, beware your exposure to a handful of Chinese companies-- in particular Tencent and Alibaba. These are a decent chunk of EM indices. China + Taiwan are nearly 50% I believe. If what you have now is only a small fraction of your future wealth (and, if yo...
by jhfenton
Thu Apr 12, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4349

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

Why would the Treasury ever want to raise the fixed rate? Are they hoping to attract more investors and borrow at a lower rate than they could using traditional bonds? I'm not privy to their strategy sessions, but I assume I Bond investors are at least a little bit sensitive to market bond rates. A...
by jhfenton
Thu Apr 12, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Suggest “TDA available” short term bond fund
Replies: 5
Views: 317

Re: Suggest “TDA available” short term bond fund

I would stick to the either or both of the dirt-cheap, commission-free short-term bond options. Replicating VFSUX would require a mix of the two, but in an HSA, I'd probably just pick one. There are other commission-free options, but they are at least 2-3x as expensive, and in short-term bonds every...
by jhfenton
Thu Apr 12, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How long do you wait for CC credit/refund to post?
Replies: 9
Views: 459

Re: How long do you wait for CC credit/refund to post?

Thanks for the responses. I am looking at my transactions in real time on the website (including pending and posted transactions). There is no sign that the credit/refund is in the works anywhere that I can see. For some reason, unlike charges, I never see pending credits. They appear when they pos...
by jhfenton
Wed Apr 11, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3040

Re: Emerging markets tilt

Our allocation is similar a few of the previous posters. We're 50% US, 50% ex-US. And of the ex-US, it is roughly half developed, half emerging. To be more specific, 30% of equities are in VSS+VFSVX/Vanguard FTSE All-World ex-US Small Cap and 20% are in emerging markets funds: VWO+VEMAX/Vanguard Eme...
by jhfenton
Wed Apr 11, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 753

Re: Investor to admiral shares conversion question

In a Vanguard mutual fund account you can do the conversion online. I am using the old style mutual fund account. I don't ever recall seeing this. Is there a special button or something? Yes. I've only done it once, back in December, so I don't remember where it was exactly, but the button appeared...
by jhfenton
Tue Apr 10, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6866

Re: New faster DNS - 1.1.1.1 by CloudFlare

I have one technical question that I can't find a quick and up-to-date answer to: Do (and how do) third-party DNS services deal with CDNs and local caching servers like Netflix Open Connect, Akamai, etc.? I know my local/regional ISP--whom I work for--has numerous local caching servers. Netflix, Ama...
by jhfenton
Tue Apr 10, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4874

Re: Factor Investing - I convincing article

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...
by jhfenton
Tue Apr 10, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4874

Re: Factor Investing - I convincing article

5 years of underperformance! I'm convinced. :oops:

Or perhaps, I'll stick with what has overperformed for me for more than 20 years.
by jhfenton
Tue Apr 10, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 237
Views: 30923

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

Does your employer pick up the hsa service fee? For me, it is scalable by cash balance. anywhere from $0 (balances over $4k) to $3.50 (balances under $500). They apparently do. I see the fee and sliding scale further down the fee schedule in my account, but it is not listed at the top under the app...
by jhfenton
Tue Apr 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Will VTWSX expense ratio go down in the future
Replies: 6
Views: 931

Re: Will VTWSX expense ratio go down in the future

The question is really whether they will ever add Admiral Shares for the mutual fund. And I don't know the answer.

I ask the same question every year about VFSVX (Vanguard FTSE All-World ex-US Small Cap). VFSVX is at 25 bp. The ETF VSS share class is at 13 bp.
by jhfenton
Mon Apr 09, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1328

Re: International Small Cap Quick Question

Ya that is kind of what I was thinking,,,That would be allot of work. So I will just stick to the plan of only converting the VFSVX to VSS... :beer [*]Do any of you have a Vanguard account and buy IShares or another ETF that trades for a commission at Vanguard. If dollar cost averaging, what would ...
by jhfenton
Mon Apr 09, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 237
Views: 30923

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

Thanks for all the input! Yes, I also do not like the cash drag on Fifth Third of $2,000 minimum in order to invest. Also, it looks like they charge the regular $2.50 fee plus another $2/month to use investment, plus another 20 basis points on your investment. They do offer some low cost index fund...
by jhfenton
Mon Apr 09, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4046

Re: Is it very hard to learn Spanish?

It is now two years since I took a deep breath and changed the language on my desktop computer to Spanish, for example. I've done the same thing with French and Spanish. I have set nearly everything I use electronic to French, my computers, iPhone, even my Netflix account. The exception is my iPad,...
by jhfenton
Mon Apr 09, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1328

Re: International Small Cap Quick Question

Vanguard total stock Market VTI(ETF)/VTSMX(MF Investor Shares) Vanguard Total International Stock Market VXUF(ETF)/ VGTSX(MF Investor Shares) Vanguard Small Cap Value Index Fund VBR(ETF)/ VISVX(MF Investor Shar Vanguard FTSE All World Ex-US Small Cap VSS(ETF)/VFSVX(MF Investor Shares) Only availabl...
by jhfenton
Sun Apr 08, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 4004

Re: If you want an actively managed fund, which one would you use?

I own a few active funds: VOHIX (Vanguard Ohio Long-Term Tax Exempt) VEGBX (Vanguard Emerging Market Bond Admiral Shares) PTTRX (PIMCO Total Return Institutional) (I would not independently choose to own this, but it is the only bond fund in my 401(k).) VFMFX (Vanguard US Multifactor Admiral Shares)...
by jhfenton
Sun Apr 08, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1328

Re: International Small Cap Quick Question

I love VSS/VFSVX. There is not another fund like it in existence, let alone at the price. We have 30% of equities/60% of international in VSS/VFSVX. It is our largest single fund holding of any kind, by a pretty good margin, because most of our other asset classes are split between different funds d...
by jhfenton
Sun Apr 08, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12380

Re: Ivy school education. Is it worth it?

If your out-of-pocket expenses are going to be huge, then the school has given you a "soft no." Or your family makes a lot of money. Harvard, and I believe all of the Ivy League, offers need-blind admissions and 100% need-based financial aid. There are no Harvard College undergraduate academic scho...
by jhfenton
Sat Apr 07, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12380

Re: Ivy school education. Is it worth it?

It's not the worth of the Ivy League schools or another top 15 school or the top engineering schools that I question, it's the second and third tier private liberal arts colleges. I just don't see the ROI. In my case, Harvard was quite cheap, because my parents didn't have a high income. For my kids...
by jhfenton
Sat Apr 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 237
Views: 30923

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

Just digging into some research about Lively and have a question for anyone who is a current Lively HSA user. I am thinking of doing an annual rollover from my employer sponsored fifth third hsa. 53rd charges $25 for transfers, but as I understand you can do a manual rollover for free. I am not a h...
by jhfenton
Sat Apr 07, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4046

Re: Is it very hard to learn Spanish?

I am a native Spanish speaker living in the US. Every time I find someone who says "I know some Spanish..." I immediately turn into Spanish. Most of the time, people are more fluent than expected but they are very shy. Another tip: Personally, I wouldn't worry about perfect pronunciation. You will ...
by jhfenton
Sat Apr 07, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3443

Re: How often do you replace your office shoes?

Quit wearing "office" shoes and dopey business attire 10+ years ago. Jeans and skate shoes FTW. Thank god millennials have helped to change how we must dress at mega-corp. I do have to wear long sleeves though because of sleeves of tattoos which can be a drag in the summer. +1 My mini mega-corp (10...
by jhfenton
Sat Apr 07, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Multi Factor Funds
Replies: 7
Views: 692

Re: Multi Factor Funds

Vanguard always makes sure their ETFs have good market makers, even for ETFs like VIOV (Vanguard S&P 600 SCV) that are lightly traded. If you can share, what makes you think this is true? I've wondered if Vanguard ETFs have tighter spreads and lower premium/discount because of their policies or oth...
by jhfenton
Sat Apr 07, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2643

Re: GEICO rate increase: 49% annualized?!

My State Farm auto insurance rate decreased for this 6 months. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=246039 Apparently people don't feel this is a viable option. Or, perhaps they don't believe me. :annoyed It must vary by state. We have State Farm too, and our rates have been flat. W...
by jhfenton
Sat Apr 07, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Multi Factor Funds
Replies: 7
Views: 692

Re: Multi Factor Funds

I also own a chunk of EMGF (iShares Edge MSCI Multifactor Emerging Markets ETF) in my HSA at TD Ameritrade. I got them to give me a few free trades when I transferred my HSA there last fall. It has more than doubled in AUM since I bought in, from $9x million to $219 million. I like the way the portf...
by jhfenton
Thu Apr 05, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account using in kind transfer
Replies: 16
Views: 601

Re: Opening a Vanguard account using in kind transfer

I'm not sure why paperwork or the USPS would be involved in any transfer. Other than agent authorization forms, I haven't sent a broker a piece of paper in nearly 20 years. Yes, it felt weird but, apparently, Vanguard couldn't verify my identity. I am not american, so perhaps that's the issue :conf...
by jhfenton
Thu Apr 05, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 21
Views: 2644

Re: Investing Very Small Amounts Daily

At current market value of $83.61, this .025 share would be worth $2.05. The issue is that Vanguard allows automatic weekly investments, but not daily ones. So, compared to buying weekly, daily doesn’t help much, especially if you consider the manual effort to make it happen. Not that I would recom...
by jhfenton
Wed Apr 04, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 1967

Re: Escaping TD Ameritrade

I recently switched from Scottrade / TDA to Vanguard, it took 2 weeks to transfer over to Vanguard . 1. Went to Vanguard and signed in for new tIRA account , filled in the transfer details online and generated PDF account transfer forms 2. Took those printed forms along with latest Scottrade / TDA ...
by jhfenton
Wed Apr 04, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account using in kind transfer
Replies: 16
Views: 601

Re: Opening a Vanguard account using in kind transfer

I'm not sure why paperwork or the USPS would be involved in any transfer. Other than agent authorization forms, I haven't sent a broker a piece of paper in nearly 20 years. When I moved our 5 accounts in-kind to Vanguard from TD Ameritrade in 2015, I opened each Vanguard account online and initiated...
by jhfenton
Wed Apr 04, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Any Limits to number of transactions with ETFs?
Replies: 4
Views: 363

Re: Any Limits to number of transactions with ETFs?

If you buy and sell the same ETF in the same account more than 25 times within 12 months, they can suspend your ability to buy that ETF for 60 days. And they literally mean any 25 buy orders and 25 sell orders of the same ETF. They're not tracking round trips in specific shares. They don't track acr...
by jhfenton
Wed Apr 04, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment strategies/asset mix
Replies: 10
Views: 972

Re: HSA investment strategies/asset mix

Since you are investing your HSA for expenses in retirement, you should treat it as part of your IRA, which will also be used for expenses in retirement. It's fine to have just one fund in the HSA for simplicity, and adjust your overall allocation accordingly. My own HSA has only one fund, formerly...