Search found 3318 matches

by jhfenton
Tue Nov 13, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Morningstar downgrades several Vanguard funds
Replies: 14
Views: 3002

Re: Morningstar downgrades several Vanguard funds

Vanguard FTSE All-World ex-US Small-Cap Index (VFSVX) Downgraded to Bronze from Silver We lowered this strategy because it has big weightings in materials and energy--two of the most volatile sectors. That makes it more volatile than most of its peers. This is absurd. First, it's not true to any me...
by jhfenton
Mon Nov 05, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Have my first busted trades today
Replies: 33
Views: 3188

Re: Have my first busted trades today

Moral of the story for me: make sure the website is functioning properly to do any of these moves using the opening cross. :-) I'm glad ML made it right for you. :sharebeer That kind of system glitch--where one side of the trade is entered and not the other--could cause a problem on any sort of swa...
by jhfenton
Mon Nov 05, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18264

Re: Vanguard website "unavailable during weekend of Nov 3"

I cleared my browser cookies and logged on, I don't' see any difference. Are these changes for the brokerage platform? I didn't give them permission to switch me to that new one. I logged on this morning with no issues. I also don't see any changes. They still have the inconsistent mix of old and n...
by jhfenton
Sat Nov 03, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18264

Re: Vanguard website "unavailable during weekend of Nov 3"

I was just able to log in, but after logging in, I see "Information is unavailable at this time."
by jhfenton
Sat Nov 03, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Have my first busted trades today
Replies: 33
Views: 3188

Re: Have my first busted trades today

Moral of the story for me: make sure the website is functioning properly to do any of these moves using the opening cross. :-) I'm glad ML made it right for you. :sharebeer That kind of system glitch--where one side of the trade is entered and not the other--could cause a problem on any sort of swa...
by jhfenton
Sat Nov 03, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1030

Re: TLH partners VSIAX, VEMAX, VSS

Damn, I wonder if I should just leave it alone.. Those couple precious mins could be a difference of 0.5-1% up and down. It's not very likely. A flash drop in the last 2 minutes of the day would be to your advantage. And I don't know that I've ever seen the market jump dramatically in the last 2 mi...
by jhfenton
Sat Nov 03, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 23884

Re: Vanguard to offer non-Vanguard ETFs commission-free

I sold IXUS last week and was charged $.09 commission. Is the vanguard commission free only for buying ETFs and not selling? That is the SEC fee. It doesn't go to Vanguard. Thanks. Is this the fee I’m charged for selling any ETF? On any brokerage? Yes, you would pay the same amount at any brokerage...
by jhfenton
Thu Nov 01, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45891

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

How long does it take to move funds between Lively HSA and the TDA brokerage (in either direction) ? One day/overnight. If you request a transfer from Lively to TD Ameritrade during business hours, it will be in your TD Ameritrade the next day. I haven't ever done the reverse, but I assume it would...
by jhfenton
Thu Nov 01, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1030

Re: TLH partners VSIAX, VEMAX, VSS

Damn, I wonder if I should just leave it alone.. Those couple precious mins could be a difference of 0.5-1% up and down. It's not very likely. A flash drop in the last 2 minutes of the day would be to your advantage. And I don't know that I've ever seen the market jump dramatically in the last 2 mi...
by jhfenton
Wed Oct 31, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1030

Re: TLH partners VSIAX, VEMAX, VSS

How to avoid run up or down during the market day to TLH? I am switching from mutual funds to etf? Time it at 03:59 est to submit? Two choices: 1. Buy the ETF at ~3:57 PM ET. Immediately enter a sell order for an equivalent dollar amount of the mutual fund. You have to submit it by 3:59 PM ET. 2. C...
by jhfenton
Wed Oct 31, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Dangers of VTSAX? (Unrealized Appreciation)
Replies: 26
Views: 4684

Re: Dangers of VTSAX? (Unrealized Appreciation)

Thank you for the helpful reply! It looks like the ETFs are a form of "relief valve" for the mutual fund shares. I can't say I fully understand this process though. I suppose it depends on actual supply and demand of redemptions. I wonder if this would accommodate a mass rush for the exit. Vanguard...
by jhfenton
Wed Oct 31, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: HSA rollover vs transfer
Replies: 1
Views: 175

Re: HSA rollover vs transfer

Hi, I signed up for HSA for the first time in 2018 and I've contributed $3450 for this year. This month, I have switched jobs and signed up for a new HSA plan again. I know I have reached maximum contributions for 2018. What is typically done with the HSA savings from previous employment? Is it tra...
by jhfenton
Wed Oct 31, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners VSIAX, VEMAX, VSS
Replies: 12
Views: 1030

Re: TLH partners VSIAX, VEMAX, VSS

2. Yes. All normal, non-leveraged ETFs are commission-free at Vanguard. For VSIAX, I would use VIOV or IJS. I don't like the Russell 2000 indices. For VEMAX, I would use SPEM (S&P EM at 11 bp) or SCHE (Schwab EM at 13 bp). Like VWO, both exclude South Korea, treating SK as a developed market. IEMG (...
by jhfenton
Wed Oct 31, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45891

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

Lively, a startup, offers HSA accounts with "first dollar" investing for $2.50/month ($30/year). Investments are held at TD Ameritrade. https://livelyme.com/individual-and-family-features/invest/ I certainly hope to see more competition to drive down the junk fees charged in the current HSA provide...
by jhfenton
Wed Oct 31, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting from ETF to Mutual Fund
Replies: 18
Views: 1257

Re: Tax Loss Harvesting from ETF to Mutual Fund

This is an interesting question. In a cash account, for anything you buy you need to have the money available at the end of the settlement period for the purchase. Normally, if you're selling ETFs and buying a new one, there's no problem because the settlement periods match. I think this could be a...
by jhfenton
Wed Oct 31, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting from ETF to Mutual Fund
Replies: 18
Views: 1257

Re: Tax Loss Harvesting from ETF to Mutual Fund

You also have a settlement timing issue to consider, since the ETF sale settles T+2 and the MF purchase may settle T+1 (depending on fund and brokerage platform). Options are to use other cash (eg Emergency Fund) to float yourself a 1-day bridge loan, buy a fund that also settles T+2, be out of the...
by jhfenton
Wed Oct 31, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard/Blackrock value index funds bias themselves to low growth, and not necessarily high risk, firms
Replies: 28
Views: 2460

Re: Vanguard/Blackrock value index funds bias themselves to low growth, and not necessarily high risk, firms

stlutz, I think you hit on the key point. They were benchmarks first, products second. Perhaps the Vanguard U.S. Value Factor ETF (VFVA) is what I'm looking for. But I don't really wanna invest until I know they aren't going to close it like a lot of other smart beta funds recently have. Only $38M ...
by jhfenton
Fri Oct 26, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Is this an international wash sale?
Replies: 11
Views: 713

Re: Is this an international wash sale?

A brokerage firm's reporting obligations are quite limited: transactions involving the same CUSIP in the same account. Your wash sale reporting obligations extend to transactions by you and your spouse, in any account, for any substantially identical securities. I am very, very careful to avoid cro...
by jhfenton
Thu Oct 25, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an international wash sale?
Replies: 11
Views: 713

Re: Is this an international wash sale?

Are they they same mutual fund or a different class of the same mutual fund? No, so it isn't a wash sale. The idea that trading similar but distinct mutual funds will trigger a wash sale is the Bigfoot of this forum. Often discussed but never observed. +1 They track different indexes so no, not a w...
by jhfenton
Thu Oct 25, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Executing buy using VMMXX funds to pay...
Replies: 5
Views: 375

Re: Executing buy using VMMXX funds to pay...

Just click through the warning on the buy that you don't have enough in your settlement account and then sell enough VMMXX to pay for the buy. It's just a warning, not a hard stop (unless your account is new or restricted). Or if you're buying a mutual fund, you can do an exchange from VMMXX to the ...
by jhfenton
Fri Oct 19, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 51
Views: 3301

Re: How do you trade ETFs exactly like mutual funds?

Thanks. I looked at those, and also found this one https://www.bogleheads.org/forum/viewtopic.php?f=10&t=257428&newpost=4087520 I don't really understand the mechanism. I checked some brokerages (Vang, Fid, M Edge, ETrade) and they didn't seem to have "Market on Open" and only ET had "Market on Clo...
by jhfenton
Fri Oct 19, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Avoiding Wash Sale: FSTVX -> ITOT
Replies: 7
Views: 979

Re: Avoiding Wash Sale: FSTVX -> ITOT

I would not hesitate to TLH between those funds, and I would not even consider for one second that a wash sale had occurred. I draw the line at funds following the same index to be conservative, but I could make a compelling argument that even two S&P 500 funds run by different companies would not b...
by jhfenton
Fri Oct 19, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 51
Views: 3301

Re: How do you trade ETFs exactly like mutual funds?

Certain brokers (.e.g. Interactive Brokers) let you place "Market at Close" orders, so it will be pretty close. However, it doesn't account for the premium/discount the ETF might be trading at. Now this might be something! I don't know exactly what a "Market at Close" order is, but maybe it could b...
by jhfenton
Fri Oct 19, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Why Did Morningstar Eliminate Money Market Ticker Symbols?
Replies: 5
Views: 344

Re: Morningstar Not Displaying Money Market Quotes?

I see the same error now, but I would never have noticed. I've always just tracked my MM funds as cash in my M* portfolio. I noticed. I sometimes used a MM fund as a base in the chart function when I wanted to compare two ETF's. I can no longer do that. I just edit "ETF" in the chart page URL to "f...
by jhfenton
Fri Oct 19, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Why Did Morningstar Eliminate Money Market Ticker Symbols?
Replies: 5
Views: 344

Re: Morningstar Not Displaying Money Market Quotes?

$1.00.

I see the same error now, but I would never have noticed. I've always just tracked my MM funds as cash in my M* portfolio.
by jhfenton
Thu Oct 18, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 32
Views: 4210

Re: Heavy Loss in Stable Value Fund of 401k investments

No stable value fund should be susceptible to a 9% (4% + 5%) drop during a period of calm in the financial markets. Depending on the size of your account, I would do more research and strongly consider getting legal advice. Since it is your previous employer's 401(k), you would be in a less-conflict...
by jhfenton
Thu Oct 18, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Use multiple funding sources for one buy? (Vanguard)
Replies: 2
Views: 222

Re: Use multiple funding sources for one buy? (Vanguard)

Not directly. But if you want to buy with $8K in your settlement fund and $2K from a linked bank account, you can transfer in the $2K from your bank account first. It will immediately show up as cash available for purchase, and you can then make the purchase from your now $10K settlement fund ($8K i...
by jhfenton
Thu Oct 18, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45891

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

Aside from collecting the $2.50/mo investing fee, in my situation where contribution will be made through payroll, what other purpose is the linked bank account for? The linked bank account is used for direct contributions, monthly $2.50 fee deductions, and reimbursements. I'm enjoying the boglehea...
by jhfenton
Thu Oct 18, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: New to HSAs need help - HSA Bank (TD Ameritrade) + Cigna
Replies: 11
Views: 577

Re: New to HSAs need help - HSA Bank (TD Ameritrade) + Cigna

thanks for the replies....let me ask if this flow is possible... 1) employer deposits to HSA Bank (so I can take the tax advantages now) - but just leave the money in HSA, don't invest it with TD 2) transfer the money out of HSA to Lively - once a month/quarter (is there a frequency limit?) presuma...
by jhfenton
Thu Oct 18, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45891

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

I will start an account with Lively. And link my personal checking account. Lively will provide info that provide to my our payroll folks and they setup ability to fund my account through payroll deduction. Yes. Once you set up the Lively account, you can find the ACH/direct deposit information for...
by jhfenton
Wed Oct 17, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX vs VTMGX+VEMAX
Replies: 2
Views: 340

Re: VTIAX vs VTMGX+VEMAX

From reading other posts in the forum, it seems like VTIAX also has small-cap international issues, whereas VTMGX and VEMAX are both more or less large-cap only. This was true of VTMGX and VEMAX years ago, but has not been true for a few years. All three funds are cap-weighted all-cap funds. So how...
by jhfenton
Tue Oct 16, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2922

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

folks at work did a pool thing, I opted out as I don't subscribe to these types of things...was given a hard time since it was only a $2 contribution but it's ok. I don't gamble as it's against my principle. I always joined the pools because if the pool won and I wasn't a member I'd be alone at wor...
by jhfenton
Tue Oct 16, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

No. If you sell T+2 and buy T+1 in a non-margin account, they float the difference in settlement with no interest charge. That's why I was surprised the one time I did it in a margin account and got a small margin interest charge. I agree that they float the difference. What I was questioning was w...
by jhfenton
Tue Oct 16, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

OK. I have seen that small credit and assumed it was accrued dividends from what I sold. Now the question is what if you go the other way, sell the ETF (T2) and buy the mutual fund (T1) the same day. Do they charge you interest without a margin account? I don't have a transaction to verify the "int...
by jhfenton
Tue Oct 16, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

Let me see if I understand. You had a negative "Total Credit/Debit Balance" , OK. The (negative) balance netted out on settlement date, OK. What does the money market dividend have to do with it? If you were being charged interest the money market dividend would have been negative. Are you sure tha...
by jhfenton
Tue Oct 16, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

Going in the other direction, if you do have a margin account they will charge you a day of interest if you do the ETF to mutual fund swap (because the mutual fund buy settles a day before the ETF sale). But If you don't have a margin account, Vanguard just floats it. I'm not sure that's correct. O...
by jhfenton
Tue Oct 16, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1400

Re: Should I sell Microsoft Bond

I have a Microsoft Bond,50,000 dollars yielding 3.15 that matures in 7 years.I t looks like if I sell it I will get back 49,000.If I sell I will buy a 2 year cd yielding almost the same.I have owned the bond for 3 years.Thoughts? Assuming it's the 11/03/25 MSFT 3.125% bond CUSIP 594918BJ2, you'd ge...
by jhfenton
Tue Oct 16, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

There are a few small features missing from the new brokerage accounts. [..] (2) You cannot automatically reinvestment dividends from one fund into another. On the MF platform, you can tell fund A's dividends and/or capital gains to be [...] 3) invested into fund B. On the Brokerage platform, you c...
by jhfenton
Tue Oct 16, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39209

Re: Vanguard has switched to brokerage only accounts

Now you can rebalance from an ETF to a Vanguard mutual fund the same day. (Vanguard covers the settlement float.) That would have taken 4 days under the old separate accounts (i.e., sell, settle 3 days later, transfer, buy). Does that require margins to be activated? This sounds like an excellent w...
by jhfenton
Mon Oct 15, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging VT total world stock for VTI & VXUS
Replies: 14
Views: 846

Re: Exchanging VT total world stock for VTI & VXUS

Why do you believe the following? As I've learned more, I realize that I may want the flexibility to selectively sell US or International when I'm in retirement. I'm not the OP, but I believe this year provides a good example. If I were in retirement, would I prefer to sell US or sell ex-US this ye...
by jhfenton
Fri Oct 12, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 412

Re: Tax loss harvest IXUS into IEMG and IDEV

The ratio is about right and should accomplish what you want.

I like splitting developed and emerging markets anyway, since they perform differently. To me, they are not a single asset class in the way the U.S. stock market is.
by jhfenton
Fri Oct 12, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Best Multifactor Funds to use for Tilting/Replacement?
Replies: 3
Views: 538

Re: Best Multifactor Funds to use for Tilting/Replacement?

Note the ishares funds seem relatively light on factors compared to vanguard funds so may be more suitable as a replacement rather than tilt. Their performance has generally been only slightly better than the indexes they choose from as far as I can tell. I'm hoping vanguard moves into the internat...
by jhfenton
Fri Oct 12, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1815

Re: Morse Code Glide Path

I use different starting and ending points, but I use a similar formula in my spreadsheet. I got the idea from a discussion with klangfool at some point. We have very different ideas on a reasonable asset allocation--I am much more aggressive--but I appreciated his glidepath theory.
by jhfenton
Wed Oct 10, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1039

Re: Need money in settlement account to buy a non-VG ETF?

jhfenton - Sorry to interrupt, but please check your PMs. The images you've posted contain personal info which you may not want public. I removed the images so you can fix them. Thank you and anyone who reported it for catching that. I redacted some information originally, but overlooked some more....
by jhfenton
Wed Oct 10, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8382

Re: What did you buy today

I added to my dwindling positions in VSS (Vanguard FTSE All-World ex-US Small Cap) and EMGF (iShares Multifactor Emerging Markets). They were underweight after the recent sell-off.

My U.S. allocation was not underweight, so it just sat there.
by jhfenton
Wed Oct 10, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1039

Re: Need money in settlement account to buy a non-VG ETF?

Does a similar process work for funds exchange as well? Eg: I can exchange vanguard to vanguard mutual fund. But, can I trade a Vanguard mutual fund to a third part ETF, using this 2 step process? Does the starting position being a mutual fund/ETF impact this? Thanks. ps: I too did not know about t...
by jhfenton
Wed Oct 10, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1039

Re: Need money in settlement account to buy a non-VG ETF?

This is not a new account - its about 6-7 year old account owned by my Trust. When I place MF order I can chose bank as the source. When I place ETF order, it only allows the settlement fund as the source. Are being dissuaded by the standard warning? Or is it stopping you completely? I cannot acces...
by jhfenton
Wed Oct 10, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4832

Re: Vanguard website problems [Transactions won't go through, etc.]

And now I can't do anything. Fortunately I was able 10 minutes ago to make a few more ETF buys and then sell a bond fund to cover the day's purchases.

Now I can't do anything. I was just trying to check the price on a bond. :annoyed

Edit: And now it's back.
by jhfenton
Wed Oct 10, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1039

Re: Need money in settlement account to buy a non-VG ETF?

This is not a new account - its about 6-7 year old account owned by my Trust. When I place MF order I can chose bank as the source. When I place ETF order, it only allows the settlement fund as the source. Are being dissuaded by the standard warning? Or is it stopping you completely? I cannot acces...
by jhfenton
Wed Oct 10, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need money in settlement account to buy a non-VG ETF?
Replies: 16
Views: 1039

Re: Need money in settlement account to buy a non-VG ETF?

I was about to place an order to buy IJS on Vanguard.com. however I was surprised to find that you need money in your settlement account in order to place that order. Unlike Vanguard index mutual funds where you can use an external bank as your source. You generally don't. Is this a new account? I ...