While we’re at it, I’d like a California specific ETF.
Search found 765 matches
- Fri Mar 10, 2023 10:24 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard launches Short Term Tax Exempt Bond ETF (VTES)
- Replies: 23
- Views: 4201
- Fri Mar 10, 2023 9:24 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Re: Market order for VTI not executed at Vanguard?
To close the loop here: now that the transaction has settled, the transaction history shows 3 items: the executed limit order, a reversal of that limit order, and a purchase at the original price (as if the market order had executed).
So I can buy that cup of coffee after all.
(This happened without any intervention on my side, I did not contact Vanguard)
So I can buy that cup of coffee after all.
(This happened without any intervention on my side, I did not contact Vanguard)
- Thu Mar 09, 2023 10:47 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard launches Short Term Tax Exempt Bond ETF (VTES)
- Replies: 23
- Views: 4201
Re: Vanguard launches Short Term Tax Exempt Bond ETF (VTES)
Possibly related to this announcement, it appears that Vanguard recently renamed the short-term tax-exempt mutual bond funds (VWSTX/VWSUX) to Ultra-Short:
Link: https://investor.vanguard.com/investmen ... file/vwstxEffective on or about February 28, 2023, the fund name will change from the Vanguard Short-Term Tax-Exempt Fund to the Vanguard Ultra-Short-Term Tax-Exempt Fund. The Fund's investment objective, strategies, and policies will remain unchanged.
- Thu Mar 09, 2023 10:02 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard launches Short Term Tax Exempt Bond ETF (VTES)
- Replies: 23
- Views: 4201
Vanguard launches Short Term Tax Exempt Bond ETF (VTES)
Link: https://investor.vanguard.com/investor- ... y-launched
Looks like it competes with iShares SUB (both have an expense ratio of 0.07%).We've launched a new fund to expand our tax-exempt bond ETF (exchange-traded fund) lineup. Vanguard Short-Term Tax-Exempt Bond ETF (VTES) is built to help you earn consistent, tax-exempt income. VTES may be suitable for tax-sensitive investors with a short-term time horizon and low interest rate risk tolerance.
- Tue Mar 07, 2023 11:23 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Re: Market order for VTI not executed at Vanguard?
No, I placed the order around 10:15 EST.muffins14 wrote: ↑Tue Mar 07, 2023 11:04 amdid you place a market order before the market was open?ruud wrote: ↑Tue Mar 07, 2023 9:23 am I placed a market order to buy a handful shares of VTI in our Vanguard Brokerage account (with sufficient available balance in the settlement fund to cover the trade). Normally these execute immediately, but this time it… didn’t The order just shows as “open” with no executed pice, as if it were a limit order whose price wasn’t reached yet.
Did anyone else experience this? Should I cancel and re-submit, or just wait?
- Tue Mar 07, 2023 10:33 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Re: Market order for VTI not executed at Vanguard?
I don't, in the grand scheme of things it's less than the price of a cup of coffee, just thought it was ironic.
- Tue Mar 07, 2023 10:33 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Re: Market order for VTI not executed at Vanguard?
It went up a little bit between when I placed the first order (that didn't execute) and the second order (that did). After that the price went down again. I don't really care about it, in the grand scheme of things it's less than the price of a cup of coffee, just thought it was ironic.
- Tue Mar 07, 2023 9:52 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Re: Market order for VTI not executed at Vanguard?
It still didn’t execute.
I ended up canceling, and submitting a limit order instead, which executed immediately. Of course, in the mean time, the price of VTI had gone up
I ended up canceling, and submitting a limit order instead, which executed immediately. Of course, in the mean time, the price of VTI had gone up
- Tue Mar 07, 2023 9:23 am
- Forum: Personal Investments
- Topic: Market order for VTI not executed at Vanguard?
- Replies: 27
- Views: 2732
Market order for VTI not executed at Vanguard?
I placed a market order to buy a handful shares of VTI in our Vanguard Brokerage account (with sufficient available balance in the settlement fund to cover the trade). Normally these execute immediately, but this time it… didn’t The order just shows as “open” with no executed pice, as if it were a limit order whose price wasn’t reached yet.
Did anyone else experience this? Should I cancel and re-submit, or just wait?
Did anyone else experience this? Should I cancel and re-submit, or just wait?
- Sun Dec 18, 2022 5:21 pm
- Forum: Personal Investments
- Topic: Wash Sale with T-Bills purchase possible?
- Replies: 6
- Views: 894
Re: Wash Sale with T-Bills purchase possible?
I’m not a tax expert, but I would assume that unless you buy the exact composition of VFISX, it wouldn’t be a wash sale. The term used in the tax code is “substantially identical”, after all. Also, while VFISX is a short-term fund, it’s actively managed, invests a small percent of its holdings in non-treasuries, and has plenty of treasuries longer than one year (a “t-bill” has a maturity of at most one year). So all in all, I would not expect buying a t-bill to be substantial identical to VFISX.
- Thu Dec 08, 2022 8:07 pm
- Forum: Personal Investments
- Topic: What is the best way for me to invest in TIPS.
- Replies: 18
- Views: 1942
Re: What is the best way for me to invest in TIPS.
Minor correction: in the Target Retirement Income fund, about 24% of fixed income is in TIPS (16.8 out of 70). (source)nisiprius wrote: ↑Thu Dec 08, 2022 7:48 pm For another suggestion, if you were in Vanguard's target date funds, you would presumably have been in Target Retirement 2015, and merged into Target Retirement Income, and Vanguard would have put about 37% of your fixed income into the short-term TIPS fund.
- Thu Nov 24, 2022 9:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Sell then rebuy VTI same day for TGH purpose
- Replies: 15
- Views: 2716
Re: Sell then rebuy VTI same day for TGH purpose
It's my understanding that you can buy ETFs with unsettled funds as long as you don't sell those newly bought shares before the original sell order settles. (I don't know if buying the exact same ticker makes a difference, but I assume it doesn't)Brianjp18 wrote: ↑Thu Nov 24, 2022 8:56 pm So once I sell my shares of the ETF, granted to sell goes through, will those funds be immediately available to trade (rebuy the same etf)? Is there a settlement period for the sell of the etf that I would have to be mindful of so vanguard doesn’t try to complete my buy order prior to funds being available. I would be using the proceeds of the sell for the buy.
- Wed Nov 23, 2022 2:31 pm
- Forum: Personal Investments
- Topic: More TIPS Questions
- Replies: 16
- Views: 1209
Re: More TIPS Questions
If the YTM drops, the price rises.
So you buy $10,000 worth of TIPS today.
In 2028, let’s say the YTM dropped and buying the same TIPS would cost $15,000.
But… the TIPS in your IRA is also worth $15,000 now.
You sell it for $15,000 in the IRA; withdraw $15,000 from the IRA; and buy the same TIPS for $15,000 in taxable.
(As Kevin M pointed out, you’ll lose a bit on the bid/ask spread)
- Wed Nov 23, 2022 12:13 pm
- Forum: Personal Investments
- Topic: More TIPS Questions
- Replies: 16
- Views: 1209
Re: More TIPS Questions
Even if you can't do an in-kind transfer, you could just sell in the IRA and buy the same bond in the taxable account. Whatever the effect of interest rates would be, it would affect both transactions the same.
- Tue Nov 22, 2022 5:12 pm
- Forum: Investing - Theory, News & General
- Topic: VTI, S&P500 still so top heavy
- Replies: 124
- Views: 10752
- Tue Nov 15, 2022 9:15 pm
- Forum: Investing - Theory, News & General
- Topic: Taxation of Treasury bills, notes and bonds
- Replies: 1028
- Views: 149507
Re: Taxation of Treasury bills, notes and bonds
I assume you meant $1,000 instead of $10,000 there.Kevin M wrote: ↑Tue Nov 15, 2022 7:26 pm Treasury bills are the easiest to understand. Say you pay $990 for $1,000 of face value (this is the minimum at a broker). At maturity you'll receive $10,000; $10 of this will be reported as interest in box 3 of 1099-INT for the year of maturity. IRS publications refer to this $10 as accrued acquisition discount.
How does this work for Treasury Bills bought late in the year that mature the subsequent year? What year(s) is the interest taxable in?
- Wed Nov 09, 2022 9:25 am
- Forum: Investing - Theory, News & General
- Topic: First 20% of bonds in long-term Treasuries
- Replies: 2259
- Views: 266981
Re: First 20% of bonds in long-term Treasuries
Long bonds are down -33% YTD.How can you say they are "risk free"? I would not characterize an asset that can drop that much in less than a year as being "risk free". I offer you a deal where you give me $1000 and in 30 years I’ll pay you back double that: $2000. Assuming I’ll still be around and I’ll have the money, that’s a risk-free deal. You know exactly what you are going to get in 30 years. Tomorrow my neighbor comes around and offers you a deal where in 30 years he’ll triple the money instead of just doubling it. But you’ve already given me your $1000. You’re still going to get the $2000 in 30 years. In one sense there’s no risk: you know exactly what you’re going to get. In another sense, you feel cheated becaus...
- Tue Nov 08, 2022 3:10 pm
- Forum: Personal Investments
- Topic: Exchange Vanguard Index Mutual Funds for ETF'S
- Replies: 17
- Views: 1571
Re: Exchange Vanguard Index Mutual Funds for ETF'S
Yes.Weathering wrote: ↑Tue Nov 08, 2022 3:02 pm Is it correct that converting from mutual fund shares to ETF shares occurs at the NAV for each? (not at the trading value of the ETF)
- Sun Nov 06, 2022 9:41 am
- Forum: Personal Investments
- Topic: Tax Loss Harvesting-- CA Muni Bond Fund/ETF
- Replies: 4
- Views: 540
Re: Tax Loss Harvesting-- CA Muni Bond Fund/ETF
My suggestion would be a blend of 75-80% VCLAX (California Long-Term Tax-Exempt) and 20-25% VCTXX (California Tax-Exempt Money Market). Overall volatility and performance should be comparable to VCADX. Then after 31 days, exchange back to VCADX.
- Sat Nov 05, 2022 3:13 pm
- Forum: Personal Investments
- Topic: Whats the most conservative ETF for a taxable account?
- Replies: 33
- Views: 2944
Re: Whats the most conservative ETF for a taxable account?
That’s not an ETF though.Booogle wrote: ↑Sat Nov 05, 2022 2:58 pm Thanks all.
I'm going with this:
https://www.schwabassetmanagement.com/products/snsxx
- Mon Oct 31, 2022 3:16 pm
- Forum: Personal Investments
- Topic: Why has vanguard vtblx sec yield increases so much
- Replies: 7
- Views: 1246
Re: Why has vanguard vtblx sec yield increases so much
Isn't this explained by the number of days in the month?metalworking wrote: ↑Mon Oct 31, 2022 2:49 pm Again thanks. The math helps a lot. Now if you can explain why the dividend per share was lower in September than it was in august I could clear up another mystery
- Sat Oct 29, 2022 9:31 pm
- Forum: Personal Investments
- Topic: breakdown of VTI into VTV, VUG, etc
- Replies: 2
- Views: 1273
Re: breakdown of VTI into VTV, VUG, etc
The CRSP indexes used by Vanguard split up sizes as follows:
- mega cap is top 70% of market capitalization
- mid cap is the next 15%
- small cap is the bottom 15%
- large cap = mega + mid = top 85%
- Fri Oct 28, 2022 8:45 pm
- Forum: Personal Investments
- Topic: VTSAX/VTI mutual fund to ETF conversion
- Replies: 6
- Views: 869
Re: VTSAX/VTI mutual fund to ETF conversion
Yes, it showed as one line item in “balances and holdings” but the cost basis still tracked the lots that were purchased as VSIGX and as VGIT as separate lots.Outafter20 wrote: ↑Fri Oct 28, 2022 7:17 pm Glad to hear the cost basis was converted correctly. After your VSIGX was converted, it just showed the one combined position of VGIT?
- Fri Oct 28, 2022 7:14 pm
- Forum: Personal Investments
- Topic: VTSAX/VTI mutual fund to ETF conversion
- Replies: 6
- Views: 869
Re: VTSAX/VTI mutual fund to ETF conversion
Yes, we had VSIGX (Intermediate Term Treasury Index) converted to VGIT (Intermediate Term Treasury ETF) while already holding some VGIT.Outafter20 wrote: ↑Fri Oct 28, 2022 7:02 pm Did anyone ever have both share classes of the same fund in their account at the same time?
For us, the cost basis was converted correctly, lot-for-lot.Also, as an aside, did anyone have any cost basis issues once the conversion was completed?
- Sun Oct 23, 2022 5:05 pm
- Forum: Personal Investments
- Topic: Vanguard Brokerage: Proper procedure for same-day ETF buy?
- Replies: 8
- Views: 942
Re: Vanguard Brokerage: Proper procedure for same-day ETF buy?
I can buy ETFs immediately after transferring money to my settlement account. Just did last week for a five-figure amount.
(I don't know if they allow this for brand new accounts, though)
(I don't know if they allow this for brand new accounts, though)
- Sun Oct 16, 2022 6:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Issue with Backdoor-roth contribution of $6000 for prior-year in tax-form 1099-R/8606 getting taxed twice?
- Replies: 18
- Views: 1177
Re: Issue with Backdoor-roth contribution of $6000 for prior-year in tax-form 1099-R/8606 getting taxed twice?
Contributions can be made for a prior tax year but conversions are always taxed in the year in which they are performed.
So the sequence of events should have been, assuming I understand you correctly:
* Tax year 2020: report $6000 non-deductible contribution on Form 8606, establishing a $6000 basis
* Tax year 2021: report an additional $6000 non-deductible contribution, along with a $12000 conversion.
Since the basis from 2020 is carried over, there is no double taxation.
So the sequence of events should have been, assuming I understand you correctly:
* Tax year 2020: report $6000 non-deductible contribution on Form 8606, establishing a $6000 basis
* Tax year 2021: report an additional $6000 non-deductible contribution, along with a $12000 conversion.
Since the basis from 2020 is carried over, there is no double taxation.
- Fri Oct 14, 2022 3:16 pm
- Forum: Personal Investments
- Topic: Finding EFT equivalents for Vanguard Funds
- Replies: 15
- Views: 1476
Re: Finding EFT equivalents for Vanguard Funds
While VBIRX and BSV are share classes of the same fund, you cannot convert VBIRX to BSV due to a difference in the way dividends are accrued. (The same goes for VBILX/BIV, VBLAX/BLV and VBTLX/BND. Other bond funds with an ETF share class can be converted, however)
- Fri Oct 14, 2022 1:47 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS maturity- undershoot or overshoot?
- Replies: 4
- Views: 517
Re: TIPS maturity- undershoot or overshoot?
There are (currently) no TIPS maturing in 2033-2039.
- Fri Oct 14, 2022 9:54 am
- Forum: Investing - Theory, News & General
- Topic: VFIAX v VOO
- Replies: 13
- Views: 2838
Re: VFIAX v VOO
I would be very careful about holding mutual funds in taxable accounts. It is possible to incur a large capital gains tax liability from ownership in a mutual fund, even without personally having made a gain in that fund. Although it is true that VFIAX historically does minimal selling and historically has been able to offset any gains on such (minimal) sales through sophisticated tax maneuvers, VFIAX may not be able to negate all pass-through tax liabilities in case a lot of its fundholders decide to sell without there being offsetting purchases. In case enough shareholders want to sell their holdings, VFIAX may have to sell long-held individual stocks at a gain and pass the tax bill for those gains on to all of its fundholders, including...
- Fri Oct 07, 2022 2:59 pm
- Forum: Investing - Theory, News & General
- Topic: 2 Questions on Bonds
- Replies: 44
- Views: 4368
Re: 2 Questions on Bonds
You receive a fixed coupon payment every 6 months.Novice2020 wrote: ↑Fri Oct 07, 2022 10:29 am Practically speaking, what does it mean that they pay a fixed coupon? You get 4.3% return on the principal at the end of the 2-year period?
- Fri Oct 07, 2022 9:36 am
- Forum: Investing - Theory, News & General
- Topic: 2 Questions on Bonds
- Replies: 44
- Views: 4368
Re: 2 Questions on Bonds
No. Yes (from your broker).Novice2020 wrote: ↑Tue Oct 04, 2022 6:24 pm 1.) Are federal taxes actually withheld from the amount you get? Or do you just get a 1099 form after the fact?
No, Treasuries pay a fixed coupon. If you want to compound the interest you’d have to reinvest the coupon payments.2.) The interest pays every 6 months, correct? Does it compound such that it's a 4.3% annual return, with the interest compounding every 6 months and the principal getting higher every 6 months and building on itself?
- Sun Oct 02, 2022 9:22 pm
- Forum: Personal Investments
- Topic: Vanguard Target Retirement 2020 Down [almost 20%]
- Replies: 14
- Views: 2294
Re: Vanguard Target Retirement 2020 Down 30%
Also, if you’re just comparing share prices: keep in mind that those don’t include reinvested dividend and capital gains distributions.
- Sun Oct 02, 2022 2:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: reinvest RSU dividends or not?
- Replies: 7
- Views: 718
- Sun Oct 02, 2022 2:08 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455616
Re: Trading Treasuries (nominal and TIPS)
Treasury Bills don’t have coupons. You might be looking at a Treasury Note or Bond that’s maturing soon.prettybogle wrote: ↑Sun Oct 02, 2022 2:01 pm I am looking at treasury bill quotes in vanguard- i am trying to understand difference between 0% coupon and x% coupon on the same maturity dates. For example, I see options below for maturity date of 5/15/2024:
First option
Price $97
Yield 4.4%
Coupon $2.5
Second option
Price $93.4
Yield 4.2%
Coupon $0
As Both have almost same yield, second option seems like a no brainer. What does x% coupon mean ?
Why are you preferring the one with lower yield? Why do you think that’s a “no brainer”?
- Sun Oct 02, 2022 2:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: reinvest RSU dividends or not?
- Replies: 7
- Views: 718
Re: reinvest RSU dividends or not?
Whenever you get a cash bonus, do you normally invest it in your employer’s stock?
- Sun Oct 02, 2022 12:00 pm
- Forum: Investing - Theory, News & General
- Topic: What are the downsides/risks of "target maturity" bond ETFs?
- Replies: 4
- Views: 600
Re: What are the downsides/risks of "target maturity" bond ETFs?
Vanguard Short-Term Bond Index ETF.
- Sun Oct 02, 2022 10:57 am
- Forum: Personal Investments
- Topic: TLH Partner for IT and Limited Term Tax-Exempt (VWIUX & VMLUX)
- Replies: 3
- Views: 466
Re: TLH Partner for IT and LT Tax-Exempt (VWIUX & VMLUX)
You’re using LT both to refer to Limited Term and Long Term in your post, which is a bit confusing.
Anyway, you don’t need to find an exact partner for each fund in isolation. Rather, if you currently have a mix of intermediate (VWIUX) and limited-term (VMLUX), you could construct a mix of (e.g.) long term (VWLUX) and short term (VWSUX) that have similar characteristics.
For example, these both portfolios behave very similar:
Another fund you might consider is VTEAX (Tax-Exempt Index) although that one does not declare dividends daily, which will make it a bit more of a hassle if you want to TLH out of it in the future.
Anyway, you don’t need to find an exact partner for each fund in isolation. Rather, if you currently have a mix of intermediate (VWIUX) and limited-term (VMLUX), you could construct a mix of (e.g.) long term (VWLUX) and short term (VWSUX) that have similar characteristics.
For example, these both portfolios behave very similar:
- 75% VWIUX / 25% VMLUX
- 65% VWLUX / 35% VWSUX
Another fund you might consider is VTEAX (Tax-Exempt Index) although that one does not declare dividends daily, which will make it a bit more of a hassle if you want to TLH out of it in the future.
- Sat Oct 01, 2022 7:43 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Treasuries (nominal and TIPS)
- Replies: 4107
- Views: 455616
Re: Trading Treasuries (nominal and TIPS)
Hi. Bought my first Treasury note on the secondary market for my IRA. Matures 6/15/25. Just got the Vanguard statement and it shows accrued interest of almost $400. In a personal account I know I would get a 1099 and deduct that accrued interest on my tax return. Within an IRA, what happens with the accrued interest when it matures? Quantity bought :$47,000, Price: $96.06250, Accrued Interest :$383.96, Principal:$45,149.38, Net Amount: $45,533.34. CUSIP: 91282C-EU-1.Please explain. Thanks Short answer: nothing happens in an IRA. Longer answer: in December you will receive interest for six months. But you’ve only owned the bond for about three months by then. So you get to deduct the accrued interest for the period you didn’t own the bond. ...
- Fri Sep 30, 2022 10:55 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2937
- Views: 611752
- Fri Sep 30, 2022 8:18 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2937
- Views: 611752
Re: If long TIPS hit a real yield above 2.0% I will…
So, if I buy the individual TIPS now and "lock in" a positive real yield of, say, 1.5%, and actual (not expected or estimated) inflation were 2% for the duration of my holding period, does that mean I would be paid a constant 3.5% over the term? No, you would not get a 3.5% coupon payment each year. Instead, the principal value would be adjusted by 2% each year, and your coupon would be 1.5% of that adjusted principal. And at maturity, you get the adjusted principal back. Here is a highly simplified example of how that would play out for a 10 year TIPS with 1.5% coupon at 2% inflation: 0 -10,000.00 1 153.00 2 156.06 3 159.18 4 162.36 5 165.61 6 168.92 7 172.30 8 175.75 9 179.26 10 12,372.79 (The final payment is 12,189.94 princip...
- Fri Sep 30, 2022 4:39 pm
- Forum: Investing - Theory, News & General
- Topic: investor.vanguard.com using LetsEncrypt certificates instead of Comodo
- Replies: 27
- Views: 2112
Re: investor.vanguard.com using LetsEncrypt certificates instead of Comodo
... but it more-or-less forces the use of automation to renew, making it less likely that the certificate expires (see TreasuryDirect a few weeks ago).
- Thu Sep 29, 2022 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund (VMFXX) vs 1 to 3 month treasuries
- Replies: 22
- Views: 5293
Re: Vanguard settlement fund (VMFXX) vs 1 to 3 month treasuries
The money market fund yields tend to track the Fed interest rate. See https://www.cmegroup.com/trading/intere ... -fomc.html for a prediction of future Fed rates.
- Thu Sep 29, 2022 2:07 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund (VMFXX) vs 1 to 3 month treasuries
- Replies: 22
- Views: 5293
- Thu Sep 29, 2022 1:45 pm
- Forum: Personal Investments
- Topic: 2043-47 TIPS paying 1.6%
- Replies: 72
- Views: 8341
Re: 2043-47 TIPS paying 1.6%
If you’re worried about being forced to sell at a discount in your IRA, you can buy them at a discount in your taxable account, so I’m not sure whether that’s really a risk.
- Wed Sep 28, 2022 9:34 am
- Forum: Investing - Theory, News & General
- Topic: 2 Questions on Bonds
- Replies: 44
- Views: 4368
Re: 2 Questions on Bonds
Because you don’t know what interest rates will do in the future.NewbieBogle007 wrote: ↑Wed Sep 28, 2022 9:25 am I don't understand this. Why would it be risky to spend after it matures?
If you want to spend the money in 3 years, you’ll need to re-invest it for a year after your 2-year treasury matures. Maybe by then the interest rate has plummeted and so you get a lousy return for that last year.
- Fri Sep 23, 2022 10:08 pm
- Forum: Personal Investments
- Topic: What duration of treasuries for "Cash" needs?
- Replies: 21
- Views: 2641
Re: What duration of treasuries for "Cash" needs?
Only if the rates go up immediately after you buy it. The closer to maturity you get, the smaller the price change.asdfqwerty wrote: ↑Fri Sep 23, 2022 8:30 pm For the 26 week T bill, if interest rates go up 1% the price should only go down about 0.5% if I needed to sell early, correct?
- Thu Sep 22, 2022 9:26 am
- Forum: Personal Consumer Issues
- Topic: Vanguard website succumbs to "Fisher-Price" UI design
- Replies: 843
- Views: 112396
Re: Vanguard website succumbs to "Fisher-Price" UI design
Transfer Money -> Send Me Money -> “where’s the money coming from?” enter the amount “available to withdraw” next to VMFXX -> “where’s the money going?” select your back account.
Although I didn’t complete the transaction, I was able to put the entire “amount available to withdraw” in the text box and continue to the confirmation screen, even though that amount is more than the settled balance in VMFXX.
- Sun Sep 18, 2022 5:33 pm
- Forum: Personal Investments
- Topic: To international stock or not to international stock
- Replies: 154
- Views: 15817
Re: To international stock or not to international stock
The total California stock market index is good enough for me. I have no need for all those out-of-state companies. Californian companies have outperformed, and a lot of non-California revenue is made by Californian companies, so I have some exposure to the non-California market anyway.
/s
/s
- Sat Sep 17, 2022 5:34 pm
- Forum: Investing - Theory, News & General
- Topic: Why is 60/40 supposed to be the best for retirement?
- Replies: 168
- Views: 18516
Re: Why is 60/40 supposed to be the best for retirement?
Thanks for explaining what I was, in fact, missing!JoeRetire wrote: ↑Sat Sep 17, 2022 5:28 pmFrom two different posts.
The first two are hypothetical, in order to propose a scenario that would help me understand the math behind this equation. (I wrote "Let's say...")
The second is actual. (I wrote "My current AA...")
- Sat Sep 17, 2022 5:08 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard paper on short-term TIPS
- Replies: 19
- Views: 2804
Re: Vanguard paper on short-term TIPS
I found the paper I was thinking of! It is called “The long and short of TIPS”.
Here is the previous forum discussion about it: viewtopic.php?f=10&t=109591
The link in that post is broken, but the PDF appears to still be on Vanguard’s Canada site: https://www.vanguard.ca/documents/tips.pdf
Here is the previous forum discussion about it: viewtopic.php?f=10&t=109591
The link in that post is broken, but the PDF appears to still be on Vanguard’s Canada site: https://www.vanguard.ca/documents/tips.pdf