Search found 2253 matches

by jhfenton
Sun Dec 10, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: Schwab 25% Cheaper than Vanguard?
Replies: 13
Views: 1185

Re: Schwab 25% Cheaper than Vanguard?

I noticed that Schwab's U.S. Broad Market ETF (SCHB) is now 25% less expensive (.03% vs .04%) than Vanguard's Total Stock Market ETF(VTI) . Is there a catch? Is there a meaningful difference between the funds? Over the last 12 months, $10,000 in invested in SCHB would have grown to $2.04 more than ...
by jhfenton
Sat Dec 09, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1147

Re: Health Equity HSA

In the case of my employer-sponsored HSA, they only charge a closure fee ($25) if you transfer everything out. If you leave a few dollars behind, they don't charge the fee. (And I need to keep it open to continue to receive biweekly salary reduction contributions.) Lively said they will be happy to...
by jhfenton
Sat Dec 09, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 176
Views: 31879

Re: Best HSA (2017)

Which has the least headache when transferring to Lively, a rollover or trustee-to-trustee transfer? I think it would depend more on the transferring custodian than on Lively. I did a trustee-to-trustee transfer because I'm planning on quarterly transfers from my workplace HSA, and I didn't want to...
by jhfenton
Sat Dec 09, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 176
Views: 31879

Re: Best HSA (2017)

I have around $11,000 in VTSAX with Health Savings Administrators. They charge $45 annually plus 6.25bps quarterly. I am can no longer make additional contributions so I need to figure out if it would be better to move this elsewhere. I would definitely move it somewhere. Lively would be $30 per ye...
by jhfenton
Sat Dec 09, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 44
Views: 1405

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm with livesoft. I rely on my car's data. It's adequate. But not accurate. It's an interesting question as to why we track it. But many do, myself included. Actually, I just type it in. I use whats now called Fuelly. JT The accuracy on mine is more than adequate. I've checked it 3 or 4 times in 7...
by jhfenton
Sat Dec 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 44
Views: 1405

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm with livesoft. I rely on my car's data. It's adequate.
by jhfenton
Fri Dec 08, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 3908

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

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by jhfenton
Fri Dec 08, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 3908

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

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by jhfenton
Thu Dec 07, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5743

Re: Why are so many Chinese visiting my website?

对不起。 那是我。 我爱你的网站。

(那不是我。 但我会说一点中文。)
by jhfenton
Thu Dec 07, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 883

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Interesting. Are Emerging Market bonds less risky than Emerging Market stocks? It looks like The Vanguard Emerging Market Bond index is for government debt only, while this fund can invest in corporate debt in the emerging markets as well. You might get some currency exposure too. The Index fund in...
by jhfenton
Thu Dec 07, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 883

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Ah, so they finally went public with it. They've been incubating the fund for more than a year and a half. The investor shares were listed on M*, but were not available for investment through Vanguard. There were a couple of earlier threads on it. I have no interest in the fund at current EM yields,...
by jhfenton
Thu Dec 07, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25524

Re: How to Get Stock Quotes Into Excel

discman017 wrote:
Thu Dec 07, 2017 1:42 pm
Thank you so much for your code! Works fantastic. So much faster than a bunch of webservice calls.
:sharebeer I'm glad it's working for you. I'm holding my breath waiting for it to break again. :confused
by jhfenton
Wed Dec 06, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 1915

Re: Corporate & Treasury Bonds: Where's the risk?

Corporate bonds sometimes (often?) have call provisions. Indeed. Often with so-called "make whole" provisions if called before a certain date. Make whole provisions typically pay the Net Present Value of future lost coupon payments (or a defined portion of lost coupon payments) discounted by a defi...
by jhfenton
Wed Dec 06, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

I then transferred $500 from checking. That's a different situation than a credit resulting from a sale. Nevertheless my info is from published policy from another broker. Maybe it's not SEC rules. There was a discussion about this here several years ago. If I get time later I'll try to find it. Va...
by jhfenton
Tue Dec 05, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

Think through these two pairs. 1) Sell a T-1 and buy a T-2 on the same day. The next day you will have a positive cash balance but it will not sweep into your settlement account because you have a pending unsettled debit. 2) Sell a T-2 and buy a T-1 on the same day. The next day you will have a neg...
by jhfenton
Tue Dec 05, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

Update: Isn't T+3 now T+2? Yes. And to address the previous question, you will be dinged for a settlement violation if you buy an ETF at T+2 today and try to cover it by selling a T+2 ETF, T+2 stock, or T+2 corporate bond tomorrow. You will be OK if you sell a T+1 mutual fund or T+1 treasury bond t...
by jhfenton
Tue Dec 05, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

Doc wrote:
Tue Dec 05, 2017 12:57 pm
Just tried to place an order for a Vg mutual fund that exceeded the funds available and got:
Hmm. I see the same thing. :beer I swear I couldn't do that before, but I got as far as the confirmation screen in both taxable and an IRA.
by jhfenton
Tue Dec 05, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?
Replies: 20
Views: 983

Re: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?

I would consider it a wash sale. A purchase fee may increase your basis or reduce the shares you receive, but in the end, you've purchased and are holding VTEAX shares that are not just substantially identical to your VTEB shares, but identically identical. Brokers are only obligated to report wash ...
by jhfenton
Tue Dec 05, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

You can't even do sell-buy mutual fund exchanges at Vanguard because the system doesn't credit pending mutual fund sales to available cash. You have to do an exchange I believe you can on the brokeage platform. I usually will buy an ETF for example, get a "watchout" message and then sell or move en...
by jhfenton
Mon Dec 04, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2244

Re: The "petro," a Venezuelan oil-backed cryptocurrency

Are you sure it's not backed by wristwatches? :oops: I am afraid lot more did NOT get your joke than the ones who did :-) But please don't explain it. Let "the man" make the comment himself. I appreciated the joke. :beer I follow a lot of the opposition and sympathetic reporters on Twitter. Politic...
by jhfenton
Mon Dec 04, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2244

Re: The "petro," a Venezuelan oil-backed cryptocurrency

It's the equivalent of a gold standard, except with oil. That's the way I would see it working with a creditable sponsor. I don't imagine Maduro has much idea of what he means-- someone at the Venezuelan Treasury has no doubt suggested it as a way of getting out of their awful mess as a nation, and...
by jhfenton
Mon Dec 04, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2244

Re: The "petro," a Venezuelan oil-backed cryptocurrency

It would be an interesting idea if a financially-stable country created an asset-backed block-chain currency. Asset-backed meaning the it was officially exchangeable for the actual commodity or possibly for the value of the commodity in the country's traditional currency. More likely, we'll see bloc...
by jhfenton
Mon Dec 04, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

FinancialDave wrote:
Mon Dec 04, 2017 5:13 pm
jh, I think you are also correct in that one exchange could move the $10,000 into the 3 funds in one transaction.
And there's a drop down option to sell/exchange by percentage that makes it easy if you're liquidating a fund like the OP.
by jhfenton
Mon Dec 04, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation across accounts: Twist?
Replies: 23
Views: 1213

Re: Asset allocation across accounts: Twist?

My overall allocation is fairly complex, with 6 equity asset classes, five bond funds in various accounts, 80/20 equity/fixed income, 55/45 intl/US (at the moment), heavily tilted small and value. I don't want to reproduce all of that in taxable, but I want a bit of diversity. So I keep taxable fair...
by jhfenton
Mon Dec 04, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

The key is to use the exchange function on the website rather than trying to do a buy / sell operation. Livesoft, you are making $ moves so all you need to know ahead of time is how many dollars you need to move and to where. Finally, with 3 funds I see no reason why that can't be done in 2 exchang...
by jhfenton
Mon Dec 04, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3049

Re: I'm 100% international with VEU. Is this wise?

This is almost exactly my history/situation. Early years (for me, late 90s'), had just a bit of Int. Slowly added over the years. esp. has my understanding of markets grew and appreciation for the global world. Hearing/internalizing the US was once an Emerging Market stuck with me, reading more abo...
by jhfenton
Sun Dec 03, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4565

Re: A " Bond Tent" During the "Retirement Red Zone?"

For someone retiring 5 years from now the bond tent probably makes sense because we are at historically high stock values. However for someone retiring now, had they adopted the bond tent 5 or ten years ago, they would have missed out on this amazing bull run. You may get grief for this, but I agre...
by jhfenton
Sun Dec 03, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11264

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

patrick013 wrote:
Sun Dec 03, 2017 5:01 pm
Not being a RIA or an institutional investor guess I'd have
to choose something like these if interested.

Invesco - Factor Investing
All of these ETFs and the fund will be available to retail investors. The ETFs are simply *targeted* at RIAs.
by jhfenton
Sun Dec 03, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2160

Re: Vanguard Total Corporate Bond ETF (VTC)

VICSX/VCIT has a average duration of 6.4 years. I'm waiting to see what VTC will be. If my math is right based of off the percentage breakdown from Lack_ey's post above, VTC might have a little longer duration of about 7.5 years. Plus VICSX holds 1741 bonds and VTC should hold around 5647, would yo...
by jhfenton
Sun Dec 03, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2160

Re: Vanguard Total Corporate Bond ETF (VTC)

If one does not use ETFs, the Intermediate Investment Grade Fund (VFIDX) has nearly 70% corporates with a duration of only 5.5 years. It has a superior total return than other Vanguard intermediate bond funds with a vanguard risk rating of only 2. It is useful to increase one's ownership of corpora...
by jhfenton
Sun Dec 03, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: retirement age and life span
Replies: 16
Views: 1152

Re: retiirement age and life span

Those numbers don't pass the smell test and the conclusion is facile.
by jhfenton
Sun Dec 03, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 14
Views: 2023

Re: Podcasts for Bogleheads?

I listen to two investing podcasts: Masters in Business and The Meb Faber Show, both already mentioned. I have a couple Vanguard podcasts in my feed, but they haven't posted anything in a while. The other podcasts I subscribe to are non-finance. Edited: Animal Spirits, mentioned above, looks interes...
by jhfenton
Sun Dec 03, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: AA based on recent market performance and pre-determined target
Replies: 29
Views: 1631

Re: AA based on recent market performance and pre-determined target

gilgamesh wrote:
Sun Dec 03, 2017 10:39 am
This is good...forget about evaluating each year, just in terms of final goal...I like it!....thanks!
+1 I follow KlangFool's strategy too. I have a formula that adjusts my target asset allocation based on the value of our portfolio in relation to my portfolio target.
by jhfenton
Sun Dec 03, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: how can an index fund outperform its index??
Replies: 6
Views: 1077

Re: how can an index fund outperform its index??

thanks! yeah I couldn't find anywhere in the prospectus that it changed index's. the two prospectus' for IJS and SLYV also state that the index they tracked had different returns since 2000, even though they are the same index... I don't know. anyhow after those first two years they've been basical...
by jhfenton
Sun Dec 03, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4565

Re: A " Bond Tent" During the "Retirement Red Zone?"

The basic concept is something I'll likely consider as we get close to our target retirement date and for the period between retirement and taking our SS at age 70. Assuming we want to retire at age 62 (currently 47), we'll be looking at a period of maybe 10 years of heightened risk, from 60-70. The...
by jhfenton
Sun Dec 03, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: how can an index fund outperform its index??
Replies: 6
Views: 1077

Re: how can an index fund outperform its index??

I just noticed that the ETF SLYV has outperformed its small value index by >1.5%/year since inception (9/25/2000)... how is that possible? the prospectus says it seeks to match the index, before fees. did it just get "lucky" or is it setup to try and beat it's own index? Thanks! It's interesting. T...
by jhfenton
Sun Dec 03, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6529

Re: Vanguard customer service reps need some training

I don't think the OP's triple transaction can be done online in a single day. That's because after 25% is moved, the 45% and 30% become different, namely the original 45% is 60% of the remaining shares and the remaining 30% is 100% of those remaining shares. I don't think the web site is programmed...
by jhfenton
Sun Dec 03, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3049

Re: I'm 100% international with VEU. Is this wise?

Right now, I think it is more rational to exclude US stocks than to exclude foreign stocks. But neither approach is wise. +1 I've steadily increased my international allocation over the last 20 years from 25% to 30% to 40% to 50%. And after the post-election run up in the U.S. late last year, I tac...
by jhfenton
Sat Dec 02, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2160

Re: Vanguard Total Corporate Bond ETF (VTC)

Personally, for control reasons only, I'm trying to decide on how to break apart a piece of TBM. At first I was thinking of breaking it down into BSV, BIV, BLV (ST, IT, LT bond funds), but then when this ETF was introduced I was wondering if it would be better to divide it TBM into Treasury/Corpora...
by jhfenton
Sat Dec 02, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund gender diversity and climate focus
Replies: 9
Views: 1063

Re: Wellesley Fund gender diversity and climate focus

I would put this in the category of active manager risk. There is always the possibility with an active manager that the focus of a fund may change or considerations may be introduced that you don't agree with.
by jhfenton
Sat Dec 02, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1161

Re: Best HSA custodian for my situation

I have an individual account not through an employer. It was merged from Wells Fargo so it might be different than current offerings. I only have $1k in the cash part. I wouldn't compare a money market to a bond fund. They are not the same. BND returned returned -2% in 2013 and .39% in 2015. It can...
by jhfenton
Sat Dec 02, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1161

Re: Best HSA custodian for my situation

I have Optum and pay no admin fees. I have it invested in the TSM. It was a converted account though from Wells Fargo. Many HSAs you will pay fees if you have a low balance (often under $5k). I would not worry too much about the fees the first year and concentrate on the fees over 5-10 years if you...
by jhfenton
Sat Dec 02, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1161

Re: Best HSA custodian for my situation

You mean you pick Lively ? That is great they take the fee outside of the account. I did pick Lively. Their new investment option appearing in October was perfect timing for me. I had just decided that with the fee increase at my employer-sponsored HSA that I should move the money. (The fee was $2/...
by jhfenton
Sat Dec 02, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44160

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
Sat Dec 02, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5098

Re: How do I convince my employees to invest more?

I would offer a short annual educational session reminding folks about the free money you're offering and throwing in the standard exhortations about the power of compounding and the limitations of SS benefits. Maybe do a survey and ask folks what would inspire them to take advantage of the free mon...
by jhfenton
Sat Dec 02, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1326

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

1-year treasuries are yielding 1.62% and they trade free at most places. I wouldn't sacrifice the liquidity of treasuries for the extra yield with a CD if you are going to hold it to maturity. Six months ago CDs and savings accounts had an edge over treasuries at the short end of the yield curve, t...
by jhfenton
Sat Dec 02, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: PSA: consider pre-paying your property taxes and January mortgage payment
Replies: 21
Views: 2610

Re: PSA: consider pre-paying your property taxes and January mortgage payment

I'm thinking about bunching some charitable deductions into this year because it seems clear that we will not be able to itemize deductions in 2018. Through payroll deduction at work, I always pledge and donate to United Way. I'm going to talk to HR about dropping the payroll deduction and just maki...
by jhfenton
Fri Dec 01, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Low balance in Vanguard Federal Money Market Fund....
Replies: 4
Views: 600

Re: Low balance in Vanguard Federal Money Market Fund....

We have 5 Vanguard MM sweep accounts with a total of $0.01. :beer 3 of our 5 accounts regularly end up with stray pennies, most often due to MM interest on unsettled cash. (Buy an ETF, and then sell a mutual fund or transfer cash from a bank. You end up with one or two days of MM interest on the cas...
by jhfenton
Fri Dec 01, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1161

Re: Best HSA custodian for my situation

As I've posted in the big Lively thread, I've been very happy so far in my 6 weeks their. Their online application is easy as pie, and their customer service is very responsive. And while I would have preferred Vanguard ETFs, I am fine with the SPDR Core Portfolio ETFs. In my case, I'm using SPEM (...