You seem to know better than your account and should probably file yourself.
https://investor.vanguard.com/investor- ... -are-taxed
Search found 1506 matches
- Tue Apr 11, 2023 1:21 am
- Forum: Personal Finance (Not Investing)
- Topic: 1099-DIV Box 12: Tax-exempt Munis or also US Treasuries?
- Replies: 26
- Views: 1675
- Wed Apr 05, 2023 6:15 pm
- Forum: Investing - Theory, News & General
- Topic: Swapping to and from Muni Money Market Funds
- Replies: 15
- Views: 2460
- Thu Mar 30, 2023 4:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Editable tax software?
- Replies: 12
- Views: 854
Re: Editable tax software?
H&R block software lets you see the raw forms and if you right click, you can override the automatic value with your own. I cannot guarantee that you'll be able to efile if you override an important value.
- Mon Mar 06, 2023 9:42 pm
- Forum: Personal Consumer Issues
- Topic: Accounts keep switching to paperless
- Replies: 49
- Views: 5015
- Sun Feb 26, 2023 9:07 pm
- Forum: Personal Consumer Issues
- Topic: Professional email address/buying Domain ?
- Replies: 17
- Views: 1675
Re: Professional email address/buying Domain ?
Top Google result:
https://www.forbes.com/advisor/business ... -services/
Yes, you'll need to pay/renew every year.
https://www.forbes.com/advisor/business ... -services/
Yes, you'll need to pay/renew every year.
- Fri Jan 27, 2023 7:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Emergency fund/cash reserves in VMRXX?
- Replies: 9
- Views: 1949
Re: Emergency fund/cash reserves in VMRXX?
There is no cash equivalent investment that is always at the highest rate. You either have to settle for less in some periods, or always be watching and shifting.slalom wrote: ↑Fri Jan 27, 2023 7:11 pm do the money market funds often trail savings rates by a ton like that?!
I want this to be my permanent emergency fund, but I assumed it was better returns than bank savings with the slight risk of no FDIC protection.. if it's sometimes worse returns and not protected, I don't want it..
- Fri Jan 27, 2023 1:39 pm
- Forum: Investing - Theory, News & General
- Topic: Could this be the beginning of the end [predictability of market direction]
- Replies: 45
- Views: 3789
- Tue Jan 10, 2023 7:32 pm
- Forum: Personal Investments
- Topic: SIPC insurance for accounts over the $500,000 limit
- Replies: 27
- Views: 2207
Re: FDIC insurance for accounts over the $500,000 limit
Do you mean SIPC?
- Thu Jan 05, 2023 9:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: iORP: plan for future of the software (?)
- Replies: 6
- Views: 1254
Re: iORP: plan for future of the software (?)
Thanks. That's the one I intended to reply in, but search led me astray.
- Wed Jan 04, 2023 4:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: iORP: plan for future of the software (?)
- Replies: 6
- Views: 1254
Re: iORP: plan for future of the software (?)
Not sure the back-story, but it appears to be functional again:
https://i-orp.com/Plans/index.html
https://i-orp.com/Plans/index.html
- Sat Oct 15, 2022 1:14 pm
- Forum: Personal Investments
- Topic: Vanguard Brokerage - ETF Purchases
- Replies: 3
- Views: 445
Re: Vanguard Brokerage - ETF Purchases
1: I do not believe you can have automatic/scheduled purchases.
2: you can either reinvest in the same fund, or send them to your brokerage sweep account (defaults to a money market fund). I don't think you can automatically transfer them to an external bank.
2: you can either reinvest in the same fund, or send them to your brokerage sweep account (defaults to a money market fund). I don't think you can automatically transfer them to an external bank.
- Mon Oct 10, 2022 11:40 pm
- Forum: Investing - Theory, News & General
- Topic: Why don't they do 1 big interest rate hike instead of small incremental ones?
- Replies: 17
- Views: 2504
Re: Why don't they do 1 big interest rate hike instead of small incremental ones?
I have read that it takes 12-18 months for a rate change to trickle through and impact the economy.
As others have said, the fed didn't and still doesn't know how high rates need to get, so incremental changes are really the only logical strategy.
As others have said, the fed didn't and still doesn't know how high rates need to get, so incremental changes are really the only logical strategy.
- Fri Oct 07, 2022 1:25 am
- Forum: Investing - Theory, News & General
- Topic: Market capitalization of TIPS / Sudden Popularity
- Replies: 178
- Views: 15809
- Wed Oct 05, 2022 2:20 pm
- Forum: Personal Investments
- Topic: Bond Fund Yields very low
- Replies: 20
- Views: 3439
Re: Bond Fund Yields very low
Phrased poorly. At that moment I was thinking in terms of the cash flows from the bond(s). But you are right that it happens steadily through their rising price over time.miket29 wrote: ↑Wed Oct 05, 2022 11:25 am I'm not sure I follow the sentence "a lot the fund's total return will come when the bonds mature".
As you wrote, the funds NAV will rise as bonds priced less than par approach maturity. But doesn't this happen smoothly? Each month closer to maturity the NAV will rise. So the total return doesn't seem like it should be lumped at the end when the bonds mature.
- Wed Oct 05, 2022 10:25 am
- Forum: Personal Investments
- Topic: Bond Fund Yields very low
- Replies: 20
- Views: 3439
Re: Bond Fund Yields very low
I think you are conflating a couple of different concepts. Distributions vs total return and past vs future (I think your statements are not helping for either of these). Short Term Investment grade bond fund VFSTX. Balance on 9/1 was $10,173. No withdrawals in Sept. Interest paid was 18.30 in sept. Statement says estimated yield is 1.74% and annual income 196.20 I'll just focus on this fund and pick out a few details from Vanguards page: https://investor.vanguard.com/investment-products/mutual-funds/profile/vfstx#price 30 day SEC yield: 4.46% (as of 10/03/2022) Yield to maturity: 4.5% (as of 08/31/2022) Average coupon: 2.9% (as of 08/31/2022) SEC yield is the best estimate of what an owner of this fund will earn if they hold it for "a...
- Wed Oct 05, 2022 12:05 am
- Forum: Personal Investments
- Topic: Bond Fund Yields very low
- Replies: 20
- Views: 3439
Re: Bond Fund Yields very low
You never mention any specific fund, so it is impossible for anyone to research this. Just for comparison, let's looks at Vanguard's fund of this type:
https://investor.vanguard.com/investmen ... fsux#price
For VFSUX, I see a 30 day SEC yield of 4.53%. You either own a terrible fund with absurdly high fees or you are misreading/misinterpreting the data.
- Mon Sep 26, 2022 3:04 pm
- Forum: Investing - Theory, News & General
- Topic: Interest rate hike and leverage
- Replies: 4
- Views: 652
Re: Interest rate hike and leverage
https://www.federalreserve.gov/releases ... eet/chart/
Looks like households do have more debt, but also much higher level of assets.
Looks like households do have more debt, but also much higher level of assets.
- Mon Sep 26, 2022 2:12 pm
- Forum: Personal Investments
- Topic: Don't time the market...but
- Replies: 124
- Views: 20314
Re: Don't time the market...but
What did your indicators show in Jan or Feb this year? Have you been DCA-ing since then and only now deciding to stop?freelanceeer1972 wrote: ↑Sun Sep 25, 2022 8:24 pm I am beginning to think now MAY not be a good time for DCA.
Here are 3 sober indicators
- Tue Sep 06, 2022 3:59 pm
- Forum: Personal Investments
- Topic: Tax loss harvesting is confusing, question
- Replies: 12
- Views: 1181
Re: Tax loss harvesting is confusing, question
What you are saying is true... limited downside and 'use it or lose it'.
On the other hand the present value of future tax savings becomes smaller the farther out you go. And since a TLH decreases your portfolio's basis, it is best used against regular income rather than portfolio sales.
On the other hand the present value of future tax savings becomes smaller the farther out you go. And since a TLH decreases your portfolio's basis, it is best used against regular income rather than portfolio sales.
- Tue Sep 06, 2022 2:36 pm
- Forum: Personal Investments
- Topic: Tax loss harvesting is confusing, question
- Replies: 12
- Views: 1181
Re: Tax loss harvesting is confusing, question
IMO building up huge tax losses is not as helpful. The $50k she already has will last her 16 years ($3k per year) if she does not realize capital gains. On the other hand this time period would be perfect if she wanted to adjust her investments.
- Tue Sep 06, 2022 2:14 pm
- Forum: Personal Investments
- Topic: Tax loss harvesting is confusing, question
- Replies: 12
- Views: 1181
Re: Tax loss harvesting is confusing, question
You can't use capital losses to offset dividends
https://ttlc.intuit.com/community/taxes ... 00/2546905
https://ttlc.intuit.com/community/taxes ... 00/2546905
- Sat Jul 23, 2022 7:41 pm
- Forum: Personal Investments
- Topic: Calculating true annualized return
- Replies: 21
- Views: 2208
- Thu May 05, 2022 1:01 am
- Forum: Personal Consumer Issues
- Topic: Which is the most secure 2FA ?
- Replies: 15
- Views: 2220
Re: Which is the most secure 2FA ?
If a thief takes over my cell phone & gets the original code, would I also still get the code? Or would I be locked out of my phone if this happens? My understanding is that you will no longer get texts. The technical term for this is "sim swap" and you can read about it further if you'd like: https://us.norton.com/internetsecurity-mobile-sim-swap-fraud.html If the thief asks for another code how is he going to enter it into my PC's browser? Thats what I was trying to describe. They don't need access to your browser or PC to be successful. If he just logs into my bank & requests a password reset wouldn't he need the account's username or have to answer a security question? If he doesn't need to provide any identification ...
- Mon May 02, 2022 9:30 pm
- Forum: Personal Consumer Issues
- Topic: Which is the most secure 2FA ?
- Replies: 15
- Views: 2220
Re: Which is the most secure 2FA ?
It would work like thisPuzzled wrote: ↑ Let's say someone hacked my phone either way & got the code. How would they use it? It has to be entered into my home PC.
1) they take over your cell phone so that they can get your text messages
2) they initiate a password reset from their device
3) receive code via text
4) set a new password on your account
It's true that they cannot do much with the code that you initiated, but they can ask for another one and they can do it from any device.
- Sat Apr 30, 2022 6:08 pm
- Forum: Investing - Theory, News & General
- Topic: Learning the math behind investing
- Replies: 10
- Views: 1315
Re: Learning the math behind investing
You should start with:
https://www.investopedia.com/terms/d/ddm.asp
It is more in the realm of theory than a practical need of index fund investors, but I think that is what you are going for.
https://www.investopedia.com/terms/d/ddm.asp
It is more in the realm of theory than a practical need of index fund investors, but I think that is what you are going for.
- Sat Apr 30, 2022 5:57 pm
- Forum: Personal Consumer Issues
- Topic: The Cloud--What Exactly Goes There?
- Replies: 3
- Views: 781
Re: The Cloud--What Exactly Goes There?
I know the basics of the cloud concept for saving files, etc., but what exactly goes there? In other words, is it just stuff I "SAVE" to my computer such as documents, photos, etc., or is EVERYTHING I do on my computer sent and stored in the cloud, such as: 1) any email I send/receive 2) any password and user name I enter when using a shopping or banking site 3) every website I visit/view 4) whatever else... Thanks for any comments. Unfortunately "the cloud" is just a vague and unhelpful marketing term. If you understand it, you may be the first - and I say this as a software developer who has implemented "cloud" systems. I think the most basic rule of thumb is that if the data is in a web browser, then the da...
- Tue Apr 26, 2022 7:02 pm
- Forum: Personal Investments
- Topic: ETF vs Mutual fund for BH-style portfolios
- Replies: 35
- Views: 3931
Re: ETF vs Mutual fund for BH-style portfolios
I used to trade stocks/futures/options for a very short period, before I became a bogle head. From what I have learned here, ETFs are more like stocks/futures/options. ... This leads to a question regarding placing big market orders on the ETF book. Let’s say I want to place a big market order to buy a large amount of shares of an ETF, is it guaranteed to get fulfilled for all shares at the same price at the moment when the order is placed? In stocks/futures/options markets, when a big market order comes in, it can first get fulfilled at the best price, then the second best price, and so on until all shares in the order get fulfilled. Is this also true for ETFs? Or is the fulfilled price locked at the market price when the order gets place...
- Sun Apr 10, 2022 10:03 pm
- Forum: Personal Investments
- Topic: How do you monitor your Stocks and Bonds portfolio?
- Replies: 67
- Views: 6979
Re: How do you monitor your Stocks and Bonds portfolio?
That is how I have done it. Beware that CITs typically do not distribute dividends, so at least quarterly your tracking will diverge.
- Sat Mar 12, 2022 11:26 am
- Forum: Investing - Theory, News & General
- Topic: Reporting Tools?
- Replies: 15
- Views: 1485
Re: Reporting Tools?
I had downloaded a rebalancing spreadsheet from the wiki and customized it heavily. I'm currently pondering making it into an app, although it may only be of interest to me. Ideally, I'd like for it to be easy to use, with only local data storage. The spreadsheet works, but once you have several accounts and a moderately complicated asset allocation, things start to get tricky even for advanced excel users.
- Wed Jan 12, 2022 12:28 pm
- Forum: Investing - Theory, News & General
- Topic: Two things I don't understand about TIPS
- Replies: 24
- Views: 2443
Re: Two things I don't understand about TIPS
https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield 1) 10 yr TIPS are yielding -0.79% (real), so with 7% inflation payouts you would get 6.21%. The difference from I-bonds is that there is heavy demand for TIPS in the market and people bid up the price (and lower the yield). I-bonds have no secondary market and purchase limits. 2) They DO protect against expected inflation in the sense that they pay out based on the full CPI. When people make statements like "protecting against unexpected inflation" it is really just semantics, but the market adjusts the current price/yield based on investor expectations and availability of alternate (nominal treasury bonds) investment choic...
- Wed Jan 05, 2022 5:28 pm
- Forum: Personal Investments
- Topic: Charitable Giving from Taxable?
- Replies: 6
- Views: 666
Re: Charitable Giving from Taxable?
It would. It would however need to come from a taxable account (and not an IRA like the QCD would).CheeseHeadInParadise wrote: ↑Wed Jan 05, 2022 5:09 pm Would it make sense for me to make sense for me to make an in kind transfer of assets (ETF) avoiding the substantial Long Term Capital Gains?
- Tue Jan 04, 2022 12:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard website broken. No new accounts???
- Replies: 56
- Views: 9554
Re: Vanguard website broken. No new accounts???
- Mon Jan 03, 2022 9:22 pm
- Forum: Investing - Theory, News & General
- Topic: IS a fixed income fund essentially a bond fund ?
- Replies: 34
- Views: 3347
- Mon Jan 03, 2022 9:11 pm
- Forum: Investing - Theory, News & General
- Topic: Small Cap Value heads Rejoice !!!
- Replies: 5577
- Views: 619174
Re: Small Cap Value heads Rejoice !!!
Thx. Didn't find it in the abbreviations wiki page.
- Mon Jan 03, 2022 8:57 pm
- Forum: Investing - Theory, News & General
- Topic: Small Cap Value heads Rejoice !!!
- Replies: 5577
- Views: 619174
Re: Small Cap Value heads Rejoice !!!
Curious... what is MCW?Nathan Drake wrote: ↑Mon Jan 03, 2022 8:02 pm I have a lot of MCW funds too and I am reinvesting their dividends into SCV while it’s still cheap
- Mon Jan 03, 2022 8:46 pm
- Forum: Personal Investments
- Topic: Best way to consolidate multiple brokerages and exchange redundant ETFs / Index Funds?
- Replies: 6
- Views: 619
Re: Best way to consolidate multiple brokerages and exchange redundant ETFs / Index Funds?
Schwab and TDA are merging, so this might become a smaller issue.
No, you either live with both or pay taxes to switch.
- Sun Jan 02, 2022 11:11 am
- Forum: Investing - Theory, News & General
- Topic: Starting in 2000 withdrawing 4% I compared Wellington vs. 85% S&P 500 and 15% Cash. The Wellington won why was that?
- Replies: 9
- Views: 1677
Re: Starting in 2000 withdrawing 4% I compared Wellington vs. 85% S&P 500 and 15% Cash. The Wellington won why was that
Comparing apples and oranges.
Have a look at wellington actual portfolio (at least right now).
https://www.morningstar.com/funds/xnas/vwelx/portfolio
Virtually nothing is similar about it and your comparison portfolio.
- Thu Dec 30, 2021 8:31 pm
- Forum: Personal Investments
- Topic: 30-year Market Forecast
- Replies: 29
- Views: 3784
Re: 30-year Market Forecast
These are 10 yr forecasts, so you'd need to find their 10 year old version.BernardShakey wrote: ↑Thu Dec 30, 2021 8:24 pm Anyone go back and see how close Vanguard's predictions are year-to-year ?
- Thu Dec 30, 2021 8:18 pm
- Forum: Personal Investments
- Topic: 30-year Market Forecast
- Replies: 29
- Views: 3784
Re: 30-year Market Forecast
Vanguard periodically updates this forecast: https://advisors.vanguard.com/insights/ ... cember2021
Don't take it too seriously.
Don't take it too seriously.
- Fri Nov 19, 2021 5:39 pm
- Forum: Personal Investments
- Topic: WA new 7% capital gains tax for gains over 250K, should I sell my stocks
- Replies: 56
- Views: 6623
Re: WA new 7% capital gains tax for gains over 250K, should I sell my stocks
If the state wasn't enacting this change, would you be realizing that much cap gains in any single year?
- Fri Nov 19, 2021 3:19 pm
- Forum: Personal Investments
- Topic: Timing of going to all BND
- Replies: 11
- Views: 2205
Re: Timing of going to all BND
You won't miss out on anything by doing it now. Fund NAVs drop when they make a distribution, so it evens out.
- Fri Nov 19, 2021 12:41 pm
- Forum: Non-US Investing
- Topic: S&P500 4% SWR < 21 years
- Replies: 18
- Views: 3047
Re: S&P500 4% SWR < 21 years
Your hypothetical is 100% equities?
Not surprised.
Not surprised.
- Mon Nov 15, 2021 3:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Estimating retirement spending with budgeting software
- Replies: 20
- Views: 1722
Re: Estimating retirement spending with budgeting software
I've also never been a budgeter, and the thought of detailed categorization is off putting. Recently I went through a similar exercise as follows: * download 5 yrs worth of of checking account transactions to a spreadsheet * divide into 5 sheets (one per year) * manually eliminate transactions that don't relate to my expectations of retirement (i.e. all salary direct deposits, irs credits or debits - tax estimated separately) * I ended up tagging each with a category (5-10 total), but the only one I found valuable was "non recurring" * summarize each year and examine for trend/variations What I found was that while my monthly spending can vary significantly, at the yearly level it largely smoothed out. I segregated out all of the ...
- Tue Nov 09, 2021 2:35 pm
- Forum: Investing - Theory, News & General
- Topic: Is Value investing behavioral speculation?
- Replies: 133
- Views: 9538
Re: Is Value investing behavioral speculation?
Yes, it is the systemic risk/reward for investing in stocks generically. Seecalmaniac wrote: ↑Tue Nov 09, 2021 2:19 pm Can someone define what they mean by "market factor"? I assume it means the market as a whole, but could you elaborate or provide a reference. Thanks!
https://www.bogleheads.org/wiki/CAPM_-_ ... cing_Model and expanded upon by Fama, French
- Tue Nov 09, 2021 12:49 am
- Forum: Non-US Investing
- Topic: Doubts about backtesting
- Replies: 9
- Views: 3016
Re: Doubts about backtesting
My problem starts when I try to backtest those ETFs, they are not listed on the tools I use or they are created a few years ago. How can I perform that backtesting, I think for sure that I am miss something here. You might be disappointed. I think the trend of creating funds that cover "global" is recent. Vanguard FTSE All-World UCITS ETF: VWCE -> VWRA Inception 23 July 2019 iShares Core MSCI EM IMI: IS3N -> EIMI Inception 30 May 2014 Vanguard Global Aggregate Bond ETF EUR Hgd Acc: VAGF -> IGLA or VAGU Inception 19 October 2017 US investors might use these: VT - Vanguard Total World Stock ETF (relatively recent inception also). Beware, I think this includes developed and emerging markets, so you would need to adjust the percent o...
- Fri Nov 05, 2021 6:25 pm
- Forum: Personal Investments
- Topic: A Different Kind of CD?
- Replies: 13
- Views: 1763
Re: A Different Kind of CD?
I think I spelled out what those terms mean in the earlier post, in particular Ctf=Certificate
Unfortunately I have no idea how to make sense of "Fidelity" in this context.
I searched Vanguard's interface for this and looked up the FDIC#, it belongs to Synchrony Bank as we both suspected.
Not investing in something you don't understand is a good rule, but in this case it appears to be a vanilla brokered CD and the fuzzy details probably matter little.
Unfortunately I have no idea how to make sense of "Fidelity" in this context.
I searched Vanguard's interface for this and looked up the FDIC#, it belongs to Synchrony Bank as we both suspected.
Not investing in something you don't understand is a good rule, but in this case it appears to be a vanilla brokered CD and the fuzzy details probably matter little.
- Fri Nov 05, 2021 5:28 pm
- Forum: Personal Investments
- Topic: A Different Kind of CD?
- Replies: 13
- Views: 1763
Re: A Different Kind of CD?
It isn't clear what your question is (and without seeing your screen its hard to answer much else).
Are you asking about the concept of brokered CDs?
https://www.bankrate.com/banking/cds/wh ... kered-cds/
Are you asking literally about the abbreviations?
* Synchrony Bank (I believe this is the issuing bank)
* Retail Certificate of Deposit Program
* Book Entry (https://www.sec.gov/fast-answers/answer ... ryhtm.html)
* Fidelity (not sure, but perhaps who is selling on the secondary market)
Are you asking about the concept of brokered CDs?
https://www.bankrate.com/banking/cds/wh ... kered-cds/
Are you asking literally about the abbreviations?
* Synchrony Bank (I believe this is the issuing bank)
* Retail Certificate of Deposit Program
* Book Entry (https://www.sec.gov/fast-answers/answer ... ryhtm.html)
* Fidelity (not sure, but perhaps who is selling on the secondary market)
- Thu Oct 07, 2021 12:29 am
- Forum: Investing - Theory, News & General
- Topic: Setting Market Based Goals
- Replies: 25
- Views: 2835
Re: Setting Market Based Goals
I find the approach in this post to be worth digesting
viewtopic.php?p=6235808#p6235808
viewtopic.php?p=6235808#p6235808
- Mon Oct 04, 2021 11:39 am
- Forum: Personal Finance (Not Investing)
- Topic: How much is your annual pension? (actual or expected)
- Replies: 151
- Views: 16379
- Fri Sep 03, 2021 6:45 pm
- Forum: Investing - Theory, News & General
- Topic: Investment Approach to counter Hyperinflation and USD Collapse
- Replies: 127
- Views: 11960
Re: Investment Approach to counter Hyperinflation and USD Collapse
I haven't seen anyone mention being in debt as an inflation hedge.
Not that I'd recommend it, but if you go the route of "physical real estate", then a 30-yr fixed rate mortgage would be the thing. You would be able to pay it back with literal wheelbarrows full of worthless money.
Not that I'd recommend it, but if you go the route of "physical real estate", then a 30-yr fixed rate mortgage would be the thing. You would be able to pay it back with literal wheelbarrows full of worthless money.