Search found 2892 matches

by jhfenton
Mon May 21, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 48
Views: 6201

Re: Chase Savings Account emptied out!

This is a good reminder for everyone to sign up for e-mail/text alerts (bank, brokerage and credit card) so you get a notification whenever there is account activity. +1 I have the threshold set at $100 for checking and $0.01 for savings for all transactions. I get a text notice for every transacti...
by jhfenton
Thu May 17, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3087

Re: more rotten service from Vanguard [ACH transfer, fund availability]

+1 to all the comments. In my experience, Vanguard has the most flexible and liberal policies possible on available funds. They allow you to make mutual fund purchases directly funded from a linked checking account, or you can pull in the money via ACH and immediately use it for purchases. They also...
by jhfenton
Thu May 17, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pull money out of HSA for non-approved items?
Replies: 6
Views: 454

Re: Pull money out of HSA for non-approved items?

sunny_socal wrote:
Thu May 17, 2018 1:12 pm
MP123 wrote:
Thu May 17, 2018 12:59 pm
There's a 20% penalty plus the withdrawal is taxed as regular income. You would almost certainly be better off getting the money elsewhere.

The penalty is waived if you're over 65.
I thought it was only 10%
The penalty on HSA early withdrawals is 20%.
by jhfenton
Wed May 16, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Morningstar - Changes at Vanguard, but Our Confidence Remains
Replies: 4
Views: 1027

Re: Morningstar - Changes at Vanguard, but Our Confidence Remains

The thing that bothers me most was "The search is still on. Vanguard is looking to hire a portfolio manager to lead their corporate bond desk." That tells me that Vanguard doesn't have any depth in the fund's manager team unlike Pimco's PTTRX where other managers already on the team stepped up to t...
by jhfenton
Wed May 16, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Model ETF portfolios
Replies: 9
Views: 663

Re: Model ETF portfolios

Dear fellow bogleheads I see that there are articles in Kiplinger, SeekingAlpha that propose a model ETF portfolio for 2016, 2017 etc., My question is if I base on one of those reputed outlets and construct a ETF based portfolio in 2018 and then in 2019 they propose a different model, what should i...
by jhfenton
Wed May 16, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade - Free Trades - ?How To?
Replies: 12
Views: 638

Re: TDAmeritrade - Free Trades - ?How To?

Go sit across the desk of the person in the local TDAmeritrade office that you are supposed to deal with. Discuss your mutual future in a friendly way. Free trades flow accordingly. Most of the free trades they gave me expired unused. You might even read "How to Win Friends and Influence People" by...
by jhfenton
Wed May 16, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade - Free Trades - ?How To?
Replies: 12
Views: 638

Re: TDAmeritrade - Free Trades - ?How To?

For the long term, if you want Vanguard funds, move to Vanguard now. That's not always possible. I'd love to move my HSA to Vanguard, but at the moment Lively+TD Ameritrade is the best option. When I first moved my HSA to TD Ameritrade last fall, I used secure messaging to request a few free trades...
by jhfenton
Wed May 16, 2018 7:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8935

Re: Yes, I'm 89 all right! [Jack Bogle]

Thank you, sir, and belated happy birthday! We are all in a better place because of you.
by jhfenton
Tue May 15, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1993

Re: Investing in Sports Betting Opportunities

I thought about this thread this morning when I saw a Bloomberg article talking about how much gambling, casino, and related infrastructure companies jumped yesterday after the Supreme Court released their ruling. By the time this thread was posted, the news was baked in.
by jhfenton
Tue May 15, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: VBK [Vanguard Small Cap Growth]
Replies: 8
Views: 410

Re: VBK [Vanguard Small Cap Growth]

Meaty wrote:
Tue May 15, 2018 12:07 pm
Who should consider holding VBK?
In my opinion, no one.

The typical recommendation for those who advocate tilting is to tilt toward small value (VBR/VSIAX). Small growth has typically been full of over-priced lottery-ticket stocks, and, as ruralavalon said, it has historically underperformed.
by jhfenton
Tue May 15, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1466

Re: Would you be willing to temporarily change your AA?

If we had another 2008 type correction, with blood in the streets, stock prices down -50%, would you be willing to sell some, or all of your bond position and just load up on equities? Obviously, this question is based on someone like me with a long 22-year time horizon before retirement. We were 1...
by jhfenton
Tue May 15, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 80
Views: 7069

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

To be honest, I wouldn't even notice the slight drops in my bond funds if folks on here didn't constantly mention it. Best performing intermediate-term bond fund: VEGBX (Vanguard Emerging Markets Bonds Admiral Share) -1.66% In-between: VSIGX (Vanguard Intermediate Treasury Bond Index Admiral Shares)...
by jhfenton
Mon May 14, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9901

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

In 25+ years of working, neither my wife nor I have ever had a 401(k) that permitted after-tax contributions.

So no.
by jhfenton
Mon May 14, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1993

Re: Investing in Sports Betting Opportunities

Before acting too quickly, note that Orrin Hatch, one of the original writers of PASPA (the law that SCOTUS just struck down), will introduce new legislation to regulate sports betting on the federal level. The entirety of PASPA wasn't found to be invalid, just pieces of it, so it's fairly likely C...
by jhfenton
Mon May 14, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1993

Re: Investing in Sports Betting Opportunities

Of course, I suspect the time to have placed this investment "bet" would have been BEFORE the court decision. Maybe the service companies that do things like sell/service food and beverage to casinos. Probably not at all good for many aspects of businesses in Las Vegas. +1 And beyond that, the outc...
by jhfenton
Sat May 12, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Gain Harvesting in Vanguard
Replies: 5
Views: 776

Re: Tax-Gain Harvesting in Vanguard

ai_3_us wrote:
Sat May 12, 2018 8:11 pm
livesoft wrote:
Wed Jun 21, 2017 3:08 pm
Or have multiple accounts ...
Livesoft, can you expand upon this more? If I want to harvest gains for funds A and B in accounts 1 and 2, can I exchange A -> B in account 1 and B -> A in account 2 without Vanguard getting angry?
You can do this. I’ve done variations on it many times.
by jhfenton
Sat May 12, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Gain Harvesting in Vanguard
Replies: 5
Views: 776

Re: Tax-Gain Harvesting in Vanguard

Have you tried placing the purchase before the sale to see if that works?
by jhfenton
Sat May 12, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Neighborly muni bonds
Replies: 7
Views: 492

Re: Neighborly muni bonds

Wonder if their customers are buy-and-hold folks. Bonds might not show up in the secondary market. It probably depends on the issue. I looked at a few very different issues. Two open San Francisco issues are large $240 MM and $248 MM issues. A few other recent city issues were small, from $654K in ...
by jhfenton
Sat May 12, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Neighborly muni bonds
Replies: 7
Views: 492

Re: Neighborly muni bonds

Their inventory is definitely sparse. They currently have no Ohio bonds listed at all, but I put myself on the mailing list for Ohio. I'm curious to see if anything ever comes up, and if so, whether the issue is available anywhere else.
by jhfenton
Fri May 11, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard Small Cap Value Fund VS. ETF
Replies: 10
Views: 602

Re: Question about Vanguard Small Cap Value Fund VS. ETF

I am looking at holding Vanguard's Small Cap Value in my Roth IRA account, and in looking at the price difference, the FUND is around $32 per share while the ETF is about $134 per share. Does this make a difference long term? No. Share price means nothing. Buy the one that is most convenient for yo...
by jhfenton
Thu May 10, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?
Replies: 27
Views: 2261

Re: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?

The Developed Market fund will do well enough, but don't consider it to be the same. It is missing emerging markets and may be missing Canada (not sure about that at all). If you want to reduce costs and have almost the equivalent (except for international bonds) of the Target Funds, use the 3 Vang...
by jhfenton
Wed May 09, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: [Does the] S&P include QQQ 100 and dow 30 stock
Replies: 12
Views: 1070

Re: Dose S&P include QQQ 100 and dow 30 stock

IIRC the 1469 holdings is actually the number of stocks in a creation unit. The creation units use sampling rather than full replication. Some of the smaller holdings comprise around 0.0000005% of the index, so full replication with integral shares in a reasonably sized creation unit is not possibl...
by jhfenton
Tue May 08, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS ETF vs VTIAX MF difference today
Replies: 1
Views: 243

Re: VXUS ETF vs VTIAX MF difference today

Because VXUS closed at a premium to NAV, even after Vanguard’s best estimate fair value adjustment. If you look at the Vanguard fund page for VXUS, it shows that the closing NAV was $56.70, unchanged.
by jhfenton
Tue May 08, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 32
Views: 2474

Re: CA muni bonds v US bonds in taxable account?

Traditionally, munis did fine in equity market crashes, perhaps not quite as well as treasuries, but well. If you look at a 25-year chart comparing VWIUX, VLMTX, VCLAX, and VFIUX (intermediate treasury fund), you'll see they all held up well in the 2000-2002 market crash. Heads up medium term munis...
by jhfenton
Tue May 08, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 32
Views: 2474

Re: CA muni bonds v US bonds in taxable account?

This is a good strategy, but I'd maximize my state-tax exempt income by using VCLAX (Vg CA Long-term Tax Exempt) and VMLUX (Vg Limited-Term Tax Exempt). You can mix them to the same duration and a slightly higher yield, with more of the yield state-tax free. Or you can mix to the same yield and a s...
by jhfenton
Mon May 07, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1534

Re: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

If the parents are married, then no. They are each eligible to contribute $6,900, but their combined limit is also $6,900.

If they are unmarried cohabitants, then sure, they would each have separate $6,900 limits.
by jhfenton
Mon May 07, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Limit order woes
Replies: 19
Views: 2203

Re: Limit order woes

I thought you had agreed that the problem was the AON order. AON orders are not protected. They are not published in the bid or ask. They have a superficial appeal in cases where you're trying to avoid paying two commissions--if your order is executed across two days or if you have to change your l...
by jhfenton
Mon May 07, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Limit order woes
Replies: 19
Views: 2203

Re: Limit order woes

I thought you had agreed that the problem was the AON order. AON orders are not protected. They are not published in the bid or ask. They have a superficial appeal in cases where you're trying to avoid paying two commissions--if your order is executed across two days or if you have to change your li...
by jhfenton
Mon May 07, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4361

Re: AMC Movie Theaters -- typical OR not?

OP likely did not realize the other amenities in such a theater. AMC has been implementing these throughout the country. Originally called AMC Prime and later the name changed to Doubly Cinema. It is the whole package and what OP likely experienced. I can tell based on the reclining leather seating...
by jhfenton
Mon May 07, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Which brokerage has the lowest ER on SP500 index fund?
Replies: 29
Views: 1257

Re: Which brokerage has the lowest ER on SP500 index fund?

As livesoft said, I would look at other factors. If I were dealing with a Solo 401(k), a brokerage's Solo 401(k) terms and conditions would likely be my primary consideration. They are likely to vary more than ordinary IRA or Roth IRA terms and conditions. My secondary consideration would be the bre...
by jhfenton
Sun May 06, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?
Replies: 10
Views: 543

Re: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?

drk wrote:
Sun May 06, 2018 5:49 pm
ETrade offers ITOT commission-free. That's probably the best available alternative to VTI/VTSMX/VTSAX.
+1 I would use ITOT. If E*trade ever dropped ITOT from their commision-free ETF lineup, there would probably be a transition period where you could switch to whatever the new equivalent is.
by jhfenton
Sun May 06, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3014

Re: Vanguard: ETF vs MF

You can use average cost basis (rather than tax lots) when selling or tax loss harvesting in your taxable account. We use average cost basis in our joint taxable account, and use regular mutual funds rather than ETFs. This is less complicated and less aggravating for us. You can use average cost fo...
by jhfenton
Sat May 05, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4361

Re: AMC Movie Theaters -- typical OR not?

It has been many years since I have been in a movie theater but we were visiting my daughter and she really wanted us to go with her to see a specific movie, so we went. The movie was playing in an AMC theater and I was pleasantly surprise how nice the theater was: limited seating so not many peopl...
by jhfenton
Sat May 05, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3014

Re: Vanguard: ETF vs MF

I agree with those who've said that it is largely a matter of personal preference. All else being equal, I use traditional mutual funds in tax-advantaged accounts. They allow for frictionless end-of-day rebalancing, frictionless reinvestment of dividends at NAV, and easy automatic investing. But al...
by jhfenton
Sat May 05, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3014

Re: Vanguard: ETF vs MF

I agree with those who've said that it is largely a matter of personal preference. All else being equal, I use traditional mutual funds in tax-advantaged accounts. They allow for frictionless end-of-day rebalancing, frictionless reinvestment of dividends at NAV, and easy automatic investing. But all...
by jhfenton
Fri May 04, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16411

Re: Vanguard New Factor Funds Portfolio Statistics

Returns for quartiles for different styles in US stocks, 1972-2015. www.zebracapm.com/files/Liquidity%20as%20an%20Investment%20Style%20-%202016%20Update.pdf Thanks for the link to the updated paper. I had found the 2013 journal article after doing some searching. It was linked in several articles o...
by jhfenton
Fri May 04, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17655

Re: Ed. Jones rep didn't like our plan, now we're locked out

Wow. I didn't think that kind of fee schedule still existed anywhere. Holy cow. That is obscene.
by jhfenton
Fri May 04, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16411

Re: Vanguard New Factor Funds Portfolio Statistics

The top 3 and their order are not surprising. You think? Vanguard is actually offering something others don't have in the liquidity factor fund, and minimum/low volatility products are fairly popular generally (and the same group at Vanguard manages their $2 billion global min vol mutual fund). I c...
by jhfenton
Fri May 04, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16411

Re: Vanguard New Factor Funds Portfolio Statistics

Eyeballing the holdings through yesterday on vanguard.com compared to what M* shows for 3/31/18, it does indeed look like VFVA more than doubled in size yesterday. If I had to estimate without doing the math, 125,000 shares were added to the existing 100,000, putting the fund at $17.25 MM yesterday...
by jhfenton
Thu May 03, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Morningstar--Manager Exit Triggers Downgrade At Giant Vanguard Fund(Vanguard Short-Term Investment Grade )
Replies: 10
Views: 1464

Re: Morningstar--Manager Exit Triggers Downgrade At Giant Vanguard Fund(Vanguard Short-Term Investment Grade )

Given that the fund is narrowly constrained in terms of duration positioning, credit risk, portfolio composition, and overall risk exposures, I don't think it matters much who the (lead) manager is. It's not like where you have a big-name manager departure for a bond fund that may swing in duration...
by jhfenton
Thu May 03, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Vanguard Steering Community - legit or scam?
Replies: 7
Views: 994

Re: Vanguard Steering Community - legit or scam?

It is legit. After verifying its legitimacy, I registered on the website -- www.steeringcommunity.vanguard -- and I have answered a few general surveys. They haven't asked for any sensitive information. (It uses the new .vanguard TLD, so that should give you some comfort.) So far, I've earned a whol...
by jhfenton
Thu May 03, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Explaining using the new Vanguard Factor ETFs
Replies: 2
Views: 415

Re: Explaining using the new Vanguard Factor ETFs

The factor funds are new, so we don't really know what sort of turnover to expect. The funds are "active" in the sense that they have no fixed rebalancing dates. Vanguard has said that they will monitor portfolio factor characteristics daily and make changes when warranted. It's Vanguard, so I expec...
by jhfenton
Wed May 02, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4441

Re: How are you widow-proofing?

My wife's a CPA. I think she'll be fine.

I do make sure that all the information she needs is available in one password-protected spreadsheet, and that she knows the password.
by jhfenton
Wed May 02, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 257
Views: 34212

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

I'm enjoying the boglehead discussion about Lively, and have confirmed I am eligible for a one-time transfer from IRA to HSA. But I hesitate- is anyone ELSE worried that Lively will disappear in a couple of years/be sold or actually fail? :oops: I realize that Lively deposits are theoretically in S...
by jhfenton
Wed May 02, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 13
Views: 1386

Re: Optum HSA Fee Increase Notice

I agree those fees are way too high for a $50k investment account, but for investment accounts less than $8333 Optum is the cheaper option. Lively wasn't talked about on this board until the month after I had JUST switched everything over to Optum. Since Optum is still a couple bucks cheaper right ...
by jhfenton
Wed May 02, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 13
Views: 1386

Re: Optum HSA Fee Increase Notice

This thread made me log in to my optum account and I found out two things: 1. My fees are $2.75 per month if savings account balance is less than $3000 2. They take the monthly 0.03% investment fee out of my savings account, which has been slightly more than the 0.01% interest the savings account e...
by jhfenton
Wed May 02, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16411

Re: Vanguard New Factor Funds Portfolio Statistics

Looking at the market close, I noticed that VFVA had 10x the previous high daily volume today, with 124K shares trading, mostly in two huge blocks this afternoon of around 82,500 and 36,700 shares. That has to represent some new share creation, considering the fund only had 100,000 shares outstandi...
by jhfenton
Wed May 02, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Why are two almost identical value ETFs (MGV and VTV) priced so differently?
Replies: 19
Views: 1252

Re: Why are two almost identical value ETFs (MGV and VTV) priced so differently?

The question is like asking why the pieces of one apple pie are bigger than the pieces of another apple pie when the pies are so similar. Answer: Because they cut the pieces that way. I once had a piece of the World's Largest Apple Pie in Liberty, KY. The piece of pie fit on my paper plate just like...
by jhfenton
Tue May 01, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16411

Re: Vanguard New Factor Funds Portfolio Statistics

Looking at the market close, I noticed that VFVA had 10x the previous high daily volume today, with 124K shares trading, mostly in two huge blocks this afternoon of around 82,500 and 36,700 shares. That has to represent some new share creation, considering the fund only had 100,000 shares outstanding.