Search found 3294 matches

by jhfenton
Fri Oct 19, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Morningstar Not Displaying Money Market Quotes?
Replies: 2
Views: 154

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: 23
Views: 2444

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: 197

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: 282
Views: 43145

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: 500

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: 282
Views: 43145

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: 271

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: 2694

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: 159
Views: 36703

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: 159
Views: 36703

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: 159
Views: 36703

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: 159
Views: 36703

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: 1344

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: 159
Views: 36703

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: 159
Views: 36703

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: 792

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: 375

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: 501

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: 1714

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: 996

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: 108
Views: 7497

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: 996

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: 996

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: 94
Views: 4044

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: 996

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: 996

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 ...
by jhfenton
Wed Oct 10, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4044

Re: Vanguard website today

I would have been better off if my buys hadn't executed, since things are down a bit more since then. :beer

I am also using Chrome.
by jhfenton
Wed Oct 10, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4044

Re: Vanguard website today

I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF). Really? I cant buy VTI, VXUS, BND or VNQ. I even put in random stocks and got the same error. Yes. At 10:15:25 and 10:16:14. It appears that the new-style pages ar...
by jhfenton
Wed Oct 10, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4044

Re: Vanguard website today

I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF). Really? I cant buy VTI, VXUS, BND or VNQ. I even put in random stocks and got the same error. Yes. At 10:15:25 and 10:16:14. It appears that the new-style pages ar...
by jhfenton
Wed Oct 10, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4044

Re: Vanguard website today

I've seen a couple of errors on the website, but it was intermittent. I was able to place two ETF buys just after 10 AM (VSS and EMGF).

My balances were correct this morning, to the penny. And I was able to check bond prices.
by jhfenton
Wed Oct 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 888

Re: What GDPR compliant email do you use?

Thanks. Is paid protonmail any better than free one? I only have the free, the only feature paid offers that I might be interested in is more storage. https://protonmail.com/pricing I pay for Plus (annual) primarily to enable multiple email addresses using our own domain name. In additional to myna...
by jhfenton
Wed Oct 10, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 888

Re: What GDPR compliant email do you use?

I have moved just about all of my sensitive email to Protonmail. I still have a majority of my email going to my gmail account. I purged 95% of my old email this spring, but I don't want to leave gmail entirely. I have too much history saved in it. Often an email search is the easiest way to figure ...
by jhfenton
Tue Oct 09, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Funds
Replies: 46
Views: 2605

Re: Emerging Market Bond Funds

I did open a position in VEGBX (Vanguard Emerging Market Bond Admiral Shares), Vanguard's active EM bond fund, when it went live last December. Despite the fact that emerging market equities have tanked over that period, VEGBX has not. It is actually my best-performing bond fund over that period. (T...
by jhfenton
Tue Oct 09, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6296

Re: Larry Swedroe: Why Emerging Markets Matter

I like your rebalancing beliefs, and my inclinations are the same. But my understanding is that it is generally more efficient to incorporate an asset class or tilt into a total market or core fund when possible. Thus I think it is more efficient to incorporate EM into a core fund, and then if want...
by jhfenton
Mon Oct 08, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6296

Re: Larry Swedroe: Why Emerging Markets Matter

Strive for simplicity (read link below). Avoiding useless complexity makes sense. But for an asset class as volatile as emerging markets, I want to hold it separately. When it goes up 30% in a year, I want to rebalance out of it. When it drops 30% in a year, I want to rebalance into it. I've held a...
by jhfenton
Thu Oct 04, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 33
Views: 2301

Re: Apple - macOS Mojave

Updating should largely be a non-event. My 2012 Mac mini is doing well on Mojave.
by jhfenton
Wed Oct 03, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: John Hancock, DFA Join Forces With Emerging Markets Multifactor ETF
Replies: 5
Views: 748

Re: John Hancock, DFA Join Forces With Emerging Markets Multifactor ETF

Thanks for the heads up. I will take a look. I should also take a fresh look at the existing JH DFA funds to see what the factor loads and portfolio construction look like. I'm skeptical that it will be worth the 0.55% price tag. Beyond the dirt-cheap vanilla EM funds, it's primary competition is pr...
by jhfenton
Sun Sep 30, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]
Replies: 201
Views: 10009

Re: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]

There are three limit orders on the book. They are not too far from the NAV top because they will be filled if my market order executes in zero time. If there is a lag and somebody else comes in with a lower ask they will not get filled. But if that somebody else came in because he somehow became a...
by jhfenton
Sun Sep 30, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4146

Re: When the $2000 deductible bites you in the rear end!

Don't know what QT means I didn't either, and at first Googling didn't offer any insights. Then I realized that they may have meant a store and figured out that it was probably QuikTrip. We don't have those here, so it wasn't obvious to me. In Cincinnati, it would be a UDF or maybe a Speedway. We s...
by jhfenton
Thu Sep 27, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: I'm switching to Vanguard (yay!). Is it an easy transfer?
Replies: 16
Views: 1437

Re: I'm switching to Vanguard (yay!). Is it an easy transfer?

Our experience was that it took "a few(?)" days once the paperwork went in. Don't remember exactly how long. Maybe ~1 week? Definitely less than 2 weeks. Good luck! Why are you and others mailing in paperwork? Every brokerage transfer I've done in the last 10 years, including to Vanguard, involved ...
by jhfenton
Thu Sep 27, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: FSBAX for saving future house down payment (Fidelity® Short-Term Treasury Bond Index Fund - Premium Class
Replies: 5
Views: 354

Re: FSBAX for saving future house down payment (Fidelity® Short-Term Treasury Bond Index Fund - Premium Class

FSBAX Fidelity® Short-Term Treasury Bond Index Fund - Premium Class I am saving for a house purchase in 3-5 years. Would FSBAX be an acceptable place to park the funds until needed? Looking for something simple that I can hold in my USAA brokerage account and FIDO funds are free to trade. I think F...
by jhfenton
Tue Sep 25, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Are Government Back Bonds or FDIC Insured accounts more at risk of Default?
Replies: 33
Views: 1760

Re: Are Government Back Bonds or FDIC Insured accounts more at risk of Default?

In the US we have self government. There ain't no them. There's only us. We have representative government, not self government. So there is most definitely a them. That said, for planning purposes I would assume the practical default risk of both U.S. treasuries and FDIC-insured bank accounts to b...
by jhfenton
Tue Sep 25, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Are Government Back Bonds or FDIC Insured accounts more at risk of Default?
Replies: 33
Views: 1760

Re: Are Government Back Bonds or FDIC Insured accounts more at risk of Default?

In the US we have self government. There ain't no them. There's only us. We have representative government, not self government. So there is most definitely a them. That said, for planning purposes I would assume the practical default risk of both U.S. treasuries and FDIC-insured bank accounts to b...
by jhfenton
Tue Sep 25, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 192
Views: 26101

Re: Vanguard New Factor Funds Portfolio Statistics

Is it time for me to swap out QSMLX for VFMF? I don't own QSMLX, but I really like the way that VFMFX/VFMF are put together. It's hard to judge factor loads over short period, but the methodology that Vanguard is using looks very much like what a factor purist would design. VFMFX/VFMF do take an ex...
by jhfenton
Tue Sep 25, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 192
Views: 26101

Re: Vanguard New Factor Funds Portfolio Statistics

I am guessing limit orders are still advisable for these funds? I just transferred assets from an adviser and will be buying ~15k vfmf and ~10k vfva later this week. I doubt you’d need it. You can expect instantaneous execution at the prevailing ask price regardless of quantity. Almost certainly. I...
by jhfenton
Tue Sep 25, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 192
Views: 26101

Re: Vanguard New Factor Funds Portfolio Statistics

I am guessing limit orders are still advisable for these funds? I just transferred assets from an adviser and will be buying ~15k vfmf and ~10k vfva later this week. I doubt you’d need it. You can expect instantaneous execution at the prevailing ask price regardless of quantity. Almost certainly. I...
by jhfenton
Mon Sep 24, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 192
Views: 26101

Re: Vanguard New Factor Funds Portfolio Statistics

We've seen continued slow growth for Vanguard's factor funds. They all had new shares created in the last 5 weeks. I'm curious to see if there's a noticeable jump in assets in February when the funds hit their anniversary date. VFMF - $68.78 MM (+75,000 shares) (plus $38.0 MM in VFMFX as of 8/31/18)...
by jhfenton
Mon Sep 24, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Emerging vs Developed in Fidelity Total Int’l
Replies: 6
Views: 675

Re: Emerging vs Developed in Fidelity Total Int’l

Thanks for the responses! jmanter you are right they have it listed as Emerging Markets 24% Morningstar has Emerging it at 17% Which do you guys trust? Maybe more importantly this a big enough difference to worry about for an emerging int'l / int'l asset allocation ratio? M* classifies South Korea ...
by jhfenton
Mon Sep 24, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Are target funds off-target?
Replies: 32
Views: 2490

Re: Are target funds off-target?

Overall, I think it's a silly article. 4) Of course costs matter. The fact that there are a few overpriced target-date funds says nothing about the merits of target-date funds in general. (There are over-priced S&P 500 index funds too.) 1-3) Most people don't have taxable investment accounts. Most p...