Search found 1675 matches

by jhfenton
Mon Mar 27, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 103
Views: 4790

Re: Weathering sell-off days like today

uncle otto wrote:...my portfolio went up about 10 bucks today! Woohoo!

:beer I ended up down 3 whole bp! Devastating.
by jhfenton
Mon Mar 27, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3376
Views: 858119

Re: U.S. stocks in freefall

After all that foofaraw this morning, my 88% equity (50/50 US/Intl) heavily-tilted portfolio ended up down 3 bp for the day. It just goes to show that you never know. I looked at the global markets this morning and the futures and expected another 1% drop. (I knew the drop in the dollar would offset...
by jhfenton
Mon Mar 27, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1494

Re: Where to put small cap value fund in portfolio

Both of our Vanguard Roths are currently 100% VTSAX. Can I exchange out of VTSAX directly into VIOV? Or do I need to exchange from VTSAX into the money market and then purchase VIOV? Since I don't have any experience with ETFs, is there a particular trading method (market, limit, etc.) that is reco...
by jhfenton
Sun Mar 26, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 43
Views: 3753

Re: Christine Benz's Three Bucket System

My take at first glance: While I don't disagree with her bucket approach, she holds too many funds for my taste. I share her preference for 2 years of cash. I don't know her rationale for holding a balanced fund in bucket 2 nor a bond fund in bucket 3. Bucket 2 could be total bond + TIPS. Bucket 3 ...
by jhfenton
Fri Mar 24, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1156

Re: can't logon to vanguard account

I can log in just fine, and the balances and holdings are correct, including last night's dividend reinvestments. But the account history is still down, with an error message in its place: "Data are temporarily unavailable. Please try again later."
by jhfenton
Fri Mar 24, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1156

Re: can't logon to vanguard account

I was finally able to log on. It was slow, but it finally loaded.
by jhfenton
Fri Mar 24, 2017 5:25 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1156

Re: can't logon to vanguard account

Down for me too. I can get to the front page, but it stalls after hitting "Log on".
by jhfenton
Thu Mar 23, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2618

Re: Why did my fund GO UP so much?

I saw the same thing with a few funds on my personal spreadsheet the other morning, with quotes pulled in from finance.yahoo.com. :beer I didn't get the 101MM% change, though. My spreadsheet threw errors for the change calculation.
by jhfenton
Thu Mar 23, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Which of these two bond funds is "better"?
Replies: 14
Views: 870

Re: Which of these two bond funds is "better"?

Either would be an excellent choice. I'd probably pick whichever one left me room to pick the best funds in other categories. If it's a wash, I'd split money between both so it'd be easier to rebalance both accounts.
by jhfenton
Tue Mar 21, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Why is NAV Limited to Two Decimal Places?
Replies: 36
Views: 4249

Re: Why is NAV Limited to Two Decimal Places?

Now ask yourself why Vanguard has many more shares priced near $20 than near $200 or $2000? There would be a problem if shares were priced at $2000 so every 1/1000 of share was worth $2, but they aren't. VFIAX is almost $220 today. That is highly problematic for reinvestments and small contribution...
by jhfenton
Tue Mar 21, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1805

Re: "Find out if your fund is declaring a quarterly dividend in March"

The numbers for the March 20 funds are posted this morning. The March 20 declaration date mutual funds go ex-dividend tonight, with reinvestment tonight or cash tomorrow morning. The March 20 ETFs go ex-dividend tomorrow morning with payment or reinvestment on March 28. (I hate the reinvestment dela...
by jhfenton
Mon Mar 20, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 318

Re: Need to Set Allocations. New Vanguard Acct.

This is very useful. Thanks. What about replacing both International funds with just the Total International Stock Fund VTIAX? That was my original suggestion but he recommended three funds to ....cover more I guess. Total International Stock is a great single international holding…the best single ...
by jhfenton
Mon Mar 20, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 318

Re: Need to Set Allocations. New Vanguard Acct.

There's unnecessary overlap. Total Stock Market includes the S&P 500, and tracks it very closely. The All World ex-US includes both developed and emerging markets. If you're going to own a separate emerging fund, I'd keep the separate developed markets fund and drop the combo fund. And for the t...
by jhfenton
Mon Mar 20, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 851

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

Unless I were day-trading, I would not choose SPY . It's older structure does not allow internal reinvesting of dividends between dividend dates, resulting in a slight drag in excess of the higher ER. It would have finished the last decade at $20,857.41. Not a big deal, but an unnecessary shortfall...
by jhfenton
Mon Mar 20, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 851

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

The wiki has some information: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds And there is essentially zero difference in performance between FUSVX and IVV. Over 10 years, $10,000 would have grown to $20,981.96 in FUSVX and $20,939.12 in IVV. http://i68.tinypic.com/t8s2o7.png Unless I were day...
by jhfenton
Mon Mar 20, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Risks of Margin Account (VBS)
Replies: 5
Views: 273

Re: Risks of Margin Account (VBS)

Here's a very old post in this forum, which might or might not still be relevant: Margin Account Dangers Today , by StoneReader, Mon Jul 14, 2008. The safest thing to do is to convert your margin account to a cash account. You can not do this online or by phone. Vanguard requires a letter requestin...
by jhfenton
Mon Mar 20, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 1805

Re: "Find out if your fund is declaring a quarterly dividend in March"

InvestorNewb wrote:Vanguard REIT dividend (VNQ) is supposed to be declared today but I don't see it yet:
https://personal.vanguard.com/us/funds/ ... 0986#tab=4

I have five funds declaring today, but none are posted yet.
by jhfenton
Mon Mar 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 1997

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

No. Why would I do that? Is your reply the same if you're asked "Do you buy American?" Assuming you're an American, that is. My reply would be the same. As a consumer, I buy the best product or service at the best price and let market competition take care of itself. (And 50% of my portfo...
by jhfenton
Mon Mar 20, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Should I move in this market?
Replies: 10
Views: 933

Re: Should I move in this market?

I would not expect that I could judge valuations and time the real estate market any better than I could the stock market.
by jhfenton
Sun Mar 19, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1100

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

Ah, OK. Yes, they have been cutting the quotas. I don't use office so I didn't follow what happened with that plan. Yeah. They botched the PR. It was a great example of how not to do things. I don't think many would complain about them offering 1 TB with Office 365 subscriptions, but they announced...
by jhfenton
Sun Mar 19, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1100

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I just noticed that my OneDrive quota was recently reduced to 1 TB from 10 TB. I knew that they had dropped it from unlimited to 10 TB, but apparently they've cut it further. A couple of weeks ago, I was still at 10 TB, so I don't know when I was downgraded. You may be misreading. They were at 10 g...
by jhfenton
Sun Mar 19, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1100

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I just noticed that my OneDrive quota was recently reduced to 1 TB from 10 TB. I knew that they had dropped it from unlimited to 10 TB, but apparently they've cut it further. I see older complaints online about them cutting it further to 1 TB, but I also see other complaints from this week. A couple...
by jhfenton
Sun Mar 19, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 308

Re: Vanguard bank account authorization for joint brokerage account

I missed the significance of the "used in the past for Roth contributions." I think livesoft is right that your husband needs to delete the account and then add it back as a joint account. Then it'll ask for the authorization in your account that MP123 and I recall.
by jhfenton
Sun Mar 19, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 308

Re: Vanguard bank account authorization for joint brokerage account

I recall that I added the bank account, and my wife had to go into the same add bank account section using her login to approve it.

But I don't have a way to test it now. :beer
by jhfenton
Sun Mar 19, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 308

Re: Vanguard bank account authorization for joint brokerage account

Have you used your login to log into the joint account and approve the bank connection? I seem to recall that is what my wife had to do.
by jhfenton
Sun Mar 19, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Funds - a dramatic shifting
Replies: 4
Views: 498

Re: ETF vs Mutual Funds - a dramatic shifting

The article was incoherent. I'm not really sure what to take from it except that some mutual funds are taking a short cut by owning ETFs. Among other flaws, it appears to conflate mutual with expensive and actively-managed compared to inexpensive, presumably indexed ETFs. The only reason that ETFs a...
by jhfenton
Sun Mar 19, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 1997

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

Nope. My contribution to a company's revenue would make not any appreciable difference to its business. Paying $0.05 more per gallon would cost me $0.80 extra to fill up my car, and I don't expect it would make me an extra penny on the company's stock. Plus, since I own only index funds, I probably ...
by jhfenton
Sun Mar 19, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1100

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

Are you doing a true backup (with versioning) or just a mirror? I wasn't sure whom you were addressing, but mine is a mixed bag. Time Machine does full versioning. I have it set to back up hourly, saving hourly versions for 24 hours, daily versions for a month, and weekly for all previous months un...
by jhfenton
Sun Mar 19, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1100

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I maintain two automated local backups (incremental with Time Machine going back to 12/22/14 and bootable nightly clones) of my main drives, a backup of photos and key documents to OneDrive, and a comprehensive backup to CrashPlan (currently holding 8.7TB). The largest bit of that data is on a RAID ...
by jhfenton
Sun Mar 19, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Pa Muni Fund as Emergency Fund
Replies: 2
Views: 290

Re: Pa Muni Fund as Emergency Fund

Your Fidelity PA muni money market hasn't lost money in a nominal sense, but it returned essentially zero from 2009-2016. And even with short term rates above zero, it is still yielding a pittance (17-23 bp). That money would be safer and return more after tax in a high-yield savings account. I woul...
by jhfenton
Fri Mar 17, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5066

Re: New Vanguard Emerging Market Bond Fund

This thread completely went off the rails. :oops: :beer The fund we were originally discussing, VEMBX (Vanguard Emerging Markets Bond Fund Investor Shares), just passed its one-year anniversary and is still not available to retail investors. It opened with $10.0 MM in seed money and with a 13.1% tot...
by jhfenton
Thu Mar 16, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1724

Re: Vanguard's recommendation

Vanguard's questionnaire still suggests 100% equities for me at 47. I answered 11-15 years till starting withdrawals, because that is exactly what I see as our retirement window. And I accurately answered the rest of the questions with my aggressive sentiments. I'm surprised at the recommendation gi...
by jhfenton
Wed Mar 15, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: I can't contribute to my 401(k) due to "safe harbor" rules
Replies: 15
Views: 1684

Re: I can't contribute to my 401(k) due to "safe harbor" rules

I think what they were trying to explain in response to your request is that it's impossible for them to not match contributions because it's a safe harbor plan. That is true. But it's also a bit of a non-sequitur. The fact is that they also simply cannot accept contributions until you're eligible u...
by jhfenton
Wed Mar 15, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2172

Re: Redneck/All American Bank

The Redneck 1.5% checking requires 10 debit card uses in a month. That's too much hoop jumpin' fer me. I actually opened a checkin' account, thought about it and then closed it up. I'll take the 1.25% from my Megamoney and just sit around doin' nuthin', thanks very much. Yeah. I wouldn't be interes...
by jhfenton
Wed Mar 15, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2753

Re: Vanguard: "Important: We've been unable to reach you by email"

I have had this happen twice. I think what happens is Vanguard receives a bounceback on an email they tried to send you, and it triggers this letter. I think it is good thing that they monitor for bouncebacks... I choose to be annoyed by my email provider which obviously isn't 100% reliable. This i...
by jhfenton
Wed Mar 15, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2239

Re: PayPal - Any Disadvantages?

I agree with all of the above. I unlinked my bank account from PayPal years ago, and only use it with my Amex where required. In my experience PayPal's dispute resolution process is useless to customers. The last time I had a dispute, PayPal took the seller's word with no proof and ignored the fact...
by jhfenton
Wed Mar 15, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4181

Re: BND Jumps 0.5% on Fed Announcement

It's not really unusual for long-term rates to drop when short-term rates are increased. I am surprised at the magnitude of the reactions this afternoon, in equities, in rates, and (especially) in the dollar, now down 1% on the day. But I'm not surprised at the direction. It's not uncommon. Whether ...
by jhfenton
Wed Mar 15, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Do many banks "secretly" have private deposit insurance covering excess above $250,000?
Replies: 51
Views: 5494

Re: Do many banks "secretly" have private deposit insurance about $250,000?

It claims that, for example, if I were married, my spouse and I could have $1,000,000 in FDIC coverage at a single bank by simply having a joint account along with two individual accounts. This is surprising, if true. It is true. The FDIC even has a calculator to calculate your coverage based on ac...
by jhfenton
Wed Mar 15, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth: Those few cents that accumulate in your MM settlement funds
Replies: 9
Views: 786

Re: Backdoor Roth: Those few cents that accumulate in your MM settlement funds

Just convert the $0.10 or $0.89 or whatever it is, either now or with your next backdoor Roth. And convert all of it, the entire balance. So what if you pay tax on $0.89 (rounded up to a dollar). If it's less than $0.50, it won't even show up on your return, since $5,500.10 is still just $5,500. whe...
by jhfenton
Wed Mar 15, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2172

Re: Redneck/All American Bank

Plenty of less questionable banks paying 1-1.05%' The bigger issue is what you mean by 'investment opportunity comes along'. For bogleheads the total stock market is the investment opportunity that is always available. The same bank and rate are available at their more traditional looking All Ameri...
by jhfenton
Wed Mar 15, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7444

Re: Do you avoid international investing like Jack Bogle?

50% U.S., 50% international, with a tilt toward small and emerging markets.
by jhfenton
Wed Mar 15, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?
Replies: 25
Views: 1210

Re: Why did VBILX (Intermediate Bond Fund) drop so much in late 2016?

There was a jump in bond yields/fall in bond prices after the election. VBILX's NAV reflected that. You will see similar similar drops if you chart other intermediate term bond funds. But that's the effect, not the cause. Presumably the jump in bond yields was tied to the election results and change...
by jhfenton
Wed Mar 15, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Why does AA on Vanguard Target Retirement Funds not match conventional advice?
Replies: 17
Views: 1053

Re: Why does AA on Vanguard Target Retirement Funds not match conventional advice?

I personally think that age in bonds is rarely appropriate. For most people, it would be too conservative at any age. I think Vanguard's Target Retirement allocations are pretty good until the end. I think 30/70 is too conservative as a default ending point. I think 40/60 would be a conservative def...
by jhfenton
Tue Mar 14, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2239

Re: PayPal - Any Disadvantages?

I agree with all of the above. I unlinked my bank account from PayPal years ago, and only use it with my Amex where required. In my experience PayPal's dispute resolution process is useless to customers. The last time I had a dispute, PayPal took the seller's word with no proof and ignored the fact ...
by jhfenton
Tue Mar 14, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: DALBAR report methodological flaws - Prof. Pfau
Replies: 29
Views: 2342

Re: DALBAR report methodological flaws - Prof. Pfau

The DALBAR methodology is so obviously flawed and irrelevant to reality that I've never understood why anyone took it seriously (except as good marketing copy for advisors).

I'm glad to see more high-profile debunking.
by jhfenton
Mon Mar 13, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: How big of an ETF buy will significantly move an ETF price?
Replies: 9
Views: 560

Re: How big of an ETF buy will significantly move an ETF price?

At the moment, it looks like you'd stay within a penny or two of the $68.47 ask buying 1,460 shares of IJR (looking at the block sizes on the asks). It trades $211 MM per day, and won't blink at your buy. You could put in a limit order at $0.02 above the ask and feel pretty good about it executing s...
by jhfenton
Mon Mar 13, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: ETF P/E ratio confusion
Replies: 4
Views: 386

Re: ETF P/E ratio confusion

I don't have much time at the moment, but just to add more P/E numbers for ITOT: M*.com: 19.78 (http://portfolios.morningstar.com/fund/summary?t=ITOT&region=usa&culture=en_US) ETF.com: 29.68 (http://www.etf.com/ITOT) Others can chime in, and there are other threads on the topic. But there ar...
by jhfenton
Mon Mar 13, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard
Replies: 28
Views: 3508

Re: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard

I'm just depressed that I'm about 2 years out on a home purchase and I know interest rates will be higher. I'm figuring in 2 years we'll be between 6-7% on conventional 30 yr mortgages. I see close to zero probability that conforming 30-year mortgage rates will be over 6% in two years. I'd say it w...
by jhfenton
Fri Mar 10, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 1499

Re: Use cellphone tethering instead of home internet?

The only problem I had was my cellphone which is HTC ONE M7, got really hot because it was tethering watching a movie on Samsung pad. You can try to run the cellphone with direct charge cable without battery and turn off cellphone display when charging. The HTC One does not have a removable battery.
by jhfenton
Fri Mar 10, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: IPOs and Mutual Fund Favoritism
Replies: 3
Views: 329

Re: IPOs and Mutual Fund Favoritism

It's almost as if some funds are not truly managed in the best interests of that fund's shareholders. :shock:

Thanks for the article and journal links. :beer

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