Search found 2619 matches

by jhfenton
Sun Feb 18, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 7
Views: 373

Re: Old 401k Statements

No. Once you successfully roll the assets over into an IRA, you should be able to safely shred the old 401(k) statements. I actually don't see any particular reason to keep statements beyond the most recent. I check on the account at least once every two weeks, so I would only need the last statemen...
by jhfenton
Sun Feb 18, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 577

Re: HSA's - invest or use for current expenses?

We will be eligible for HSA in wife’s new job. We are able to max all, but I think I might prefer HSA to 401k, as HSA does not have RMDs. First world problem, but RMDs will increase our income quite a bit. I think of HSA as triple tax free. If you can max everything, it's not an either/or , it's an...
by jhfenton
Sun Feb 18, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 71
Views: 2720

Re: Do you wear a wedding band?

Yes, for 25+ years. I lost my original wedding band, but I bought a few cheap, but attractive tungsten rings and wear one of them except when I'm sleeping or showering (and sometimes then).
by jhfenton
Sun Feb 18, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 939

Re: Emerging Markets or Total International Market?

Having compared the funds I'm looking to invest in FSTMX (Fidelity's Total Market Index Fund) and FPEMX (Fidelity's Emerging Markets Index Fund), they both look like they do a very similar job of tracking their respective benchmarks, along with their Vanguard counterparts (VTSMX and VEIEX). I actua...
by jhfenton
Sun Feb 18, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 577

Re: HSA's - invest or use for current expenses?

If you're able to max out all of your tax-advantaged retirement options, fully-fund your HSA, and pay medical expenses out-of-pocket, I would invest the HSA and let it grow. The alternative is taking it out and investing it in taxable, and that would not be a net positive. You seem to be in this boa...
by jhfenton
Sun Feb 18, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using the Vanguard HSA?
Replies: 5
Views: 337

Re: Anyone using the Vanguard HSA?

What is this? https://personal.vanguard.com/us/whatweoffer/overview/healthsavings Maybe I am mistaken but it looked like applications were still active right? There is no direct HSA offering from Vanguard. They just link to two third-party providers who offer Vanguard funds. There are others. You w...
by jhfenton
Sun Feb 18, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 23
Views: 2521

Re: Chillin' in the BH Lounge

samsoes wrote:
Sun Feb 18, 2018 7:02 am
How is this actionable?
A rhyme for actionable is hard to find.
I can see how you were stumped.

But I hope the mods are not so inclined.
Lest the thread become defunct.

A collection of wisdom we can find herein.
A moment of calm amid the din.
by jhfenton
Sun Feb 18, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 939

Re: Emerging Markets or Total International Market?

1. For most people I would suggest Total International. End of story. But since you're the kind of person asking the question on Bogleheads, I would suggest either an emerging markets fund or an ex-US small cap fund first. Those are, in fact, the only ex-US that we own. Either provides greater diver...
by jhfenton
Sat Feb 17, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: accidental overweight of US vs International?
Replies: 4
Views: 476

Re: accidental overweight of US vs International?

If you hold an ex-US fund with large cap developed or emerging market companies, how much of their revenue comes from the U.S.? Samsung? BP? Shell? Toyota? Nestle? TSMC? Global markets are global. You can do the math to calculate revenue-dependence, but I don't think it's worth the effort. (The glob...
by jhfenton
Sat Feb 17, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1251

Re: Going from non-admiral funds to admiral

How does converting from investor shares to admiral shares affect cost basis? Your basis carries over. For Spec ID in taxable, they will convert each lot. Each new lot will have the same basis as each old lot, but with a different number of shares in the lot. I just did this with my account but the...
by jhfenton
Sat Feb 17, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1251

Re: Going from non-admiral funds to admiral

You do not want to "Exchange" them. A "Convert to Admiral" button, or something similar, will appear next to the eligible fund. If you "Exchange" them, it will be treated as a sale and purchase. Since this is an IRA, that is not a problem. Exchange would be a problem in a taxable account. If you ex...
by jhfenton
Fri Feb 16, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1251

Re: Going from non-admiral funds to admiral

I just did this with my account but the Vanguard representative had me sell and rebuy to get to Admiral shares for my Roth. Is there a problem with this vs. converting with the Admiral button? If you exchange 100% from Investor to Admiral Shares in an IRA or Roth, the result should be the same numb...
by jhfenton
Fri Feb 16, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1251

Re: Going from non-admiral funds to admiral

It doesn't matter when you do it. Vanguard will convert at end of day NAV. For example. if you converted today, 330.000 shares of VISVX (Vanguard Small-Cap Value Investor) to VSIAX (Admiral), they would make the following calculation: 330.000 * $31.57 = $10,418.10 / $56.59 = 184.098 shares (value $1...
by jhfenton
Thu Feb 15, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency of VFMF US Multifactor ETF?
Replies: 5
Views: 388

Re: Tax efficiency of VFMF US Multifactor ETF?

I moved some of my large cap allocation into the Admiral Share Class (VFMFX) today, but I did it in my wife's rollover IRA. It should be fairly tax-efficient. The dividend yield will probably be similar to the 1.8% yield of the Vanguard U.S. Value (VUVLX), the closest pre-existing Vanguard equivalen...
by jhfenton
Thu Feb 15, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 9
Views: 649

Re: Small Cap Value Benchmarks (related to Mid cap,too)

Good afternoon, I have a heavy tilt to value, esp. SCV, and have never specifically gone out of my way to add midcap value. We often get a lot of midcaps by default through some "smaller" large, or "bigger" small. I was thinking about it more with some articles about it possibly being overlooked sp...
by jhfenton
Thu Feb 15, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

The mutual fund is available on the VG website. VFMFX only shows up if you set your filters to show funds that require a $50,000 minimum investment. Indeed. They are treating it as an active fund, so the Admiral minimum is $50,000. It appears that Admiral Share to ETF conversions are not available ...
by jhfenton
Thu Feb 15, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

As of 11:45 AM EST, the spreads on all the new ETFs are $0.07-$0.08 on a share price of $76.xx per share. (It appears they were pegged at $75.00 NAV before the market yesterday.) But volumes were laughably low: VFMF - 1,236 VFLQ - 663 VFQY - 237 VFVA - 222 VFMV - 207 VFMO - 14 It's interesting that ...
by jhfenton
Thu Feb 15, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 74
Views: 4736

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

I think the really great international diversifier is international small value, perhaps even better than emerging markets. International small much more influenced by local economic conditions than the large multinational companies. Dave I agree. (As a practical matter I own ex-US small/mid blend....
by jhfenton
Thu Feb 15, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 12
Views: 1715

Re: Is VTI really "total stock market" with only 1478 holdings?

nisiprius wrote:
Thu Feb 15, 2018 8:10 am
I agree that etfdb isn't reliable; I can't even imagine where they could have gotten numbers like those.
My first guess was right. The 1,478 comes from the PCF (Portfolio Composition File) for VTI. There are 1,478 stocks that you have to assemble to create a new block of VTI.
by jhfenton
Thu Feb 15, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

Bloomberg lists the Inception Date of Vanguard US Multifactor Fund (VFMFX) as 2/15/2018. The ETFs are in the system as listed securities today (DTCC list), and they show up in the Vanguard ETF buy/sell UI. I don't know if they will trade today, but they are progressing. Edit: They are not trading t...
by jhfenton
Wed Feb 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: VG Brokered CD questions
Replies: 2
Views: 447

Re: VG Brokered CD questions

http://www.hostpic.org/images/1802150217100099.jpg I did a search for all non-callable secondary market CDs, and these are the top three yielding of 2,081 on the list. The top one, has a bid for between 5 (minimum) and 250 (maximum) CD's (at $1,000 par each) at a price of 94.613 ($946.13 per CD), g...
by jhfenton
Wed Feb 14, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1734

Re: The Best HSA

I'll give you that $30/yr with unlimited transfers and if there are no quarterly TD Ameritrade fees, is pretty good, however, do they allow covered call selling? Also that $30 fee is a guaranteed loss per year and a recurring fee. Still, that is not bad, if you are someone who doesn't want the $250...
by jhfenton
Wed Feb 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

Bloomberg lists the Inception Date of Vanguard US Multifactor Fund (VFMFX) as 2/15/2018. The ETFs are in the system as listed securities today (DTCC list), and they show up in the Vanguard ETF buy/sell UI. I don't know if they will trade today, but they are progressing. Edit: They are not trading t...
by jhfenton
Wed Feb 14, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1734

Re: The Best HSA

Best for you maybe. A search would have found lots of relevant "Best HSA" threads - no need for a new one and far from obvious that Elements is going to be "best" for most investors. $2500 stuck at 0.5% is a lot of cash drag. Back of the napkin, at long term avg expected market return of 5.5%, oppo...
by jhfenton
Tue Feb 13, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

Can someone clarify, the multifactor fund is not a fund of funds of the individual factor etf's ? The multifactor fund is not a fund of funds. It is an individual mutual fund and companion ETF. And within the fund, it appears that they will use an integrated factor approach (like the iShares multif...
by jhfenton
Tue Feb 13, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

triceratop wrote:
Tue Feb 13, 2018 1:54 pm
Are these the first Vanguard ETF tickers with more than three letters?

Yikes! Ignore me, I am an idiot, I even own shares in one of the existing ones. :oops:
I think they are the first CBOE-listed Vanguard ETFs.
by jhfenton
Tue Feb 13, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

We have tickers and prospectuses filed today : Vanguard U.S. Liquidity Factor ETF Shares (VFLQ) Vanguard U.S. Minimum Volatility ETF Shares (VFMV) Vanguard U.S. Momentum Factor ETF Shares (VFMO) Vanguard U.S. Multifactor ETF Shares (VFMF) Vanguard U.S. Quality Factor ETF Shares (VFQY) Vanguard U.S. ...
by jhfenton
Tue Feb 13, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

Quickly looked at the prospectus. This fund is nothing like the style premia multi factor fund of AQR. This VG Fund is a long only US stock fund that looks like it will focus on market, momentum, value, profitability. So the dominant factor remains market beta. In contrast AQR Style Premia is a mar...
by jhfenton
Tue Feb 13, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 4007

Re: Vanguard US Multifactor Fund

I can't see any sign of it yet, but based on the previous filing, today is the earliest day the multifactor fund (and the multifactor and single factor ETFs) could be launched. :beer
by jhfenton
Mon Feb 12, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 67
Views: 7848

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Mine arrived on Vanguard.com today too. I downloaded the PDF. I haven't tried importing anywhere.
by jhfenton
Sun Feb 11, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5186

Re: Are REITs essentially taboo for years now with rising rates?

If I were inclined to own a real estate fund again, now would be the time I’d consider getting back in. REITs have a history of reacting badly to anticipated rate increases, but holding up reasonably well when they’re actually rising. As it is, I sold our 5% stake in Vanguard REIT Index Admiral in J...
by jhfenton
Sun Feb 11, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6352

Re: Does it ever make sense to buy a new car?

i agree with the poster who said: buy new buy cheap buy reliable keep for a long time (until significant problems develop) with toyotas and hondas i think buying used is not the way to go as a rule. +1 That was our experience last time we shopped for a new car in March 2012. We ended up buying a ne...
by jhfenton
Sun Feb 11, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Has Seeking Alpha Become Worthless?
Replies: 20
Views: 3352

Re: Has Seeking Alpha Become Worthless?

I just use it as a clearing house for news on companies in my industry (telecom) or that I want to follow out of curiosity. There are lots of other places to do the same thing, but it works for me. In particular, I'm following the Windstream v. Aurelius legal battle closely (because, um, telecom att...
by jhfenton
Sun Feb 11, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25512

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

TD Ameritrade is inflexible too, on purchases prior to the cash being there. Vanguard allows ETF purchases in advance of funding in retirement accounts. You can buy and then fund with an ACH transfer or mutual fund sale. We had retirement accounts at TD Ameritrade for 17 years before we moved to Va...
by jhfenton
Sun Feb 11, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2358

Re: your assets - now verses end of year?

Considering only investable assets, our internal rate of return YTD is -3.0%. The portfolio value is down 2.5% YTD, with modest new contributions making up the difference. (We spread our contributions evenly through the year, so new contributions were modest.) For what it's worth, peak to trough dra...
by jhfenton
Sun Feb 11, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25512

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

Hmm, it looks like if I push the money in, I can get the money to TDA in 2 business days instead of 5 business days when I use Lively to pull. My wife's first (employer) payroll deposit went in yesterday, on payday. I forgot to check earlier in the day, but I received an email from Lively at 9:xx P...
by jhfenton
Sat Feb 10, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 57
Views: 4732

Re: What backup service to use?

backblaze.com try it free for (30 days?) maybe it's 7 days?? I don't recall. buy the 2 year option, and it's less than $5/month for UNLIMITED backups. I just signed up with BackBlaze after uploading our 9 TB of data during their 15-day trial period. My Crashplan subscription runs out in late March,...
by jhfenton
Sat Feb 10, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25512

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

To add to my anti-Health Equity screed: they processed my trustee-to-trustee to Lively today and charged me a $25 account closure fee even though the chat rep confirmed yesterday that I had marked "keep open" on the transfer form. :x Totally unacceptable, and I will not continue to route funds thro...
by jhfenton
Sat Feb 10, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25512

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

Hmm, it looks like if I push the money in, I can get the money to TDA in 2 business days instead of 5 business days when I use Lively to pull. My wife's first (employer) payroll deposit went in yesterday, on payday. I forgot to check earlier in the day, but I received an email from Lively at 9:xx P...
by jhfenton
Thu Feb 08, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Smart TVs and privacy
Replies: 4
Views: 548

Re: Smart TVs and privacy

Our smart TV has Roku built in, but has no camera and no microphone. I will not have an always-listening device from any company I don't trust not to collect the data, which at this point is everyone but Apple. I particularly don't trust Alphabet/Google. (I remember several years ago being shocked t...
by jhfenton
Wed Feb 07, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57432

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

finance.yahoo.com has a gap in intraday charts for 2/6/2018 from about 10:10 to 11:18 on all the ETFs I looked at. morningstar.com does not have such gaps. I had finance.yahoo.com open then with my watch list of ETFs, and no prices were updated during that period. I had to open TD Ameritrade, where...
by jhfenton
Tue Feb 06, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261582

Re: U.S. stocks in freefall

Might be from emerging markets which is up 2%. VWO is up nearly 2%, but VEMAX will be down substantially today, as the discount to NAV on the ETF has reversed to a premium today. VSS is the same, but even more dramatic. VSS closed ($117.14) at a substantial discount to NAV ($118.47) yesterday, even...
by jhfenton
Tue Feb 06, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8824

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I need to figure out tonight how to make sure that all of my cloud data is deleted. I don't see any obvious way to delete my Quicken account entirely.
by jhfenton
Tue Feb 06, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261582

Re: U.S. stocks in freefall

Might be from emerging markets which is up 2%. VWO is up nearly 2%, but VEMAX will be down substantially today, as the discount to NAV on the ETF has reversed to a premium today. VSS is the same, but even more dramatic. VSS closed ($117.14) at a substantial discount to NAV ($118.47) yesterday, even...
by jhfenton
Tue Feb 06, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1402

Re: Merrill Lynch site crashed today (VG fine)

Vanguard is up. TDA very slow but up. Vanguard has been fine for me all morning. Not that I need to, but I cannot log onto TD Ameritrade right now: " The system is temporarily unavailable. Please try again later or contact a Client Services representative. " In my anecdotal experience, TD Ameritrad...
by jhfenton
Tue Feb 06, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: [New MA & VT Tax reporting]- 1099-K threshold reduced to $600
Replies: 99
Views: 5190

Re: New to me tax issue - Paypal 1099-k for selling personal property

The IRS has given specific guidance on online garage sales. Someone else already posted the link, but it seems to have been ignored. If your online auction sales are the Internet equivalent of an occasional garage or yard sale, you generally do not have to report the sales. In a garage sale, you ge...
by jhfenton
Tue Feb 06, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: [New MA & VT Tax reporting]- 1099-K threshold reduced to $600
Replies: 99
Views: 5190

Re: New to me tax issue - Paypal 1099-k for selling personal property

The IRS has given specific guidance on online garage sales. Someone else already posted the link, but it seems to have been ignored. If your online auction sales are the Internet equivalent of an occasional garage or yard sale, you generally do not have to report the sales. In a garage sale, you ge...
by jhfenton
Tue Feb 06, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8824

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I was not impressed with the current version of the software. I installed it and played with on Sunday, but I found it very clunky and light on useful features. I guess now I don't have any reason to give it more of a chance.
by jhfenton
Mon Feb 05, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT fund changes objective, name & index
Replies: 15
Views: 2285

Re: Vanguard REIT fund changes objective, name & index

I had no problem with the switch to the CRSP indexes. But when Tax Managed International becane Developed Markets I was much less happy. That Tax-Managed International change is one that would have irked me as a shareholder. I understand that the ETF share class would eliminate issues with capital ...
by jhfenton
Mon Feb 05, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 1900

Re: Internet Speed 15Mbps okay ?

Is the 15 Mbps symmetrical? Do you get 15 Mbps down and 15 Mbps up? Before we got fiber, the best we could do on DSL--given our distance from our CO and the condition of the copper--was 15 Mbps down and 1 Mbps up. The downstream speed was occasionally problematic, but it was far too easy to saturate...