Search found 185 matches

by drbagel
Tue Sep 06, 2016 7:56 am
Forum: Personal Investments
Topic: Bond Allocation Review, Vanguard PAS
Replies: 8
Views: 1239

Re: Bond Allocation Review, Vanguard PAS

"Intermediate Term Investment Grade Bond Fund (VFIDX, 50% of bond allocation)
Intermediate Term Treasury Fund (VFIUX, 50% of bond allocation)"

This allocation is nearly identical to the Vanguard Intermediate Term Bond Index Fund.
by drbagel
Wed Apr 20, 2016 12:07 pm
Forum: Personal Investments
Topic: 403b Rollover into Solo 401k, Question
Replies: 9
Views: 1253

Re: 403b Rollover into Solo 401k, Question

I'm pretty sure that Vanguard solo 401K does not permit rollovers from another retirement plan. If memory serves, Fidelity does permit such a rollover.
by drbagel
Sat Jan 02, 2016 11:12 am
Forum: Personal Investments
Topic: High Yield Bonds part of bond or equity allocation?
Replies: 7
Views: 793

Re: High Yield Bonds part of bond or equity allocation?

When I owned them, I considered them equity. I try to avoid them. They are bond like when you want equities and equity like when you need bonds.
by drbagel
Mon Jun 23, 2014 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 62
Views: 39065

Re: Anyone here use Personal Capital?

I used it for a few months. They called me twice and tried to sell me on some investment management services. Their asset allocation platform could not distinguish my Tips fund from my nominal bonds. In the end, a spread sheet is less trouble and it never calls my cellphone.
by drbagel
Sat Jun 21, 2014 7:52 pm
Forum: Personal Investments
Topic: Life Strategy Funds vs. 3 Fund portfolio
Replies: 13
Views: 4285

Re: Life Strategy Funds vs. 3 Fund portfolio

I keep everything I can in a life strategy fund. I buy three funds in my 403b and use that account to fine tune my asset allocation. buying three funds gets old fast when you have to maintain multiple accounts between yourself and your spouse. Also, I believe the continuous rebalancing of a life str...
by drbagel
Thu Jun 19, 2014 6:39 am
Forum: Personal Investments
Topic: Need Help Investing 1 mil
Replies: 15
Views: 2338

Re: Need Help Investing 1 mil

First, pick up the phone and call Vanguard. Tell them that you wish to transfer a million dollars. They will hook you up with a concierge representative to make the process easy. Have the money invested in VASIX, which is the Vanguard Life Strategy Income fund. This is entirely indexed at a ratio of...
by drbagel
Tue Jun 17, 2014 8:09 am
Forum: Investing - Theory, News & General
Topic: Bloomberg article on 401(k) rollover scam
Replies: 10
Views: 1643

Bloomberg article on 401(k) rollover scam

http://www.bloomberg.com/news/2014-06-1 ... okers.html

This is an interesting read. Every once in a while I see an article that makes me grateful for the Bogleheads community. It is a force for good in world full of financial traps.
by drbagel
Sat Jun 14, 2014 6:03 am
Forum: Investing - Theory, News & General
Topic: IUSB- new iShares domestic bond ETF
Replies: 6
Views: 2350

Re: IUSB- new iShares domestic bond ETF

ISTB (short term bond) and ILTB (long term bond) now also include high yield.
by drbagel
Fri Jun 13, 2014 6:07 am
Forum: Personal Consumer Issues
Topic: Medical Textbook for the Layperson?
Replies: 22
Views: 2967

Re: Medical Textbook for the Layperson?

I think the Mayo Clinic website has excellent information for patients. I know this is not exactly what you are looking for. Textbooks are rapidly obsolete and harder to search than online resources.
by drbagel
Thu Jun 05, 2014 3:12 pm
Forum: Personal Investments
Topic: Gold and Silver as an Insurance Policy?
Replies: 37
Views: 3226

Re: Gold and Silver as an Insurance Policy?

Barter only works if two parties have what the other needs. If society degenerates to a state of barter, won't there be a need for a new medium of exchange? Gold fills this role well. It does not tarnish. It is hard to produce. It is relatively easy to identify or to validate. It has few practical u...
by drbagel
Sat Feb 22, 2014 8:53 pm
Forum: Personal Investments
Topic: Schwab alternative to Vanguard target funds?
Replies: 10
Views: 2090

Re: Schwab alternative to Vanguard target funds?

I know that you consider this a last resort, but I think you should switch everything you can to vanguard. A lot of people keep money in more than one institution. It isn't really that hard to manage. IMO, The elegance and simplicity of buying one fund from Vanguard is worth the hassle of switching....
by drbagel
Sat Feb 08, 2014 10:44 am
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 45079

Re: Why Own Bonds at All?

It seems that this line of reasoning was very popular before the crash of 2008. They went away for a while and now. Perhaps it is coming back into vogue. Let's say you invest 100% in stocks over 50 years and earn a tidy CAGR of 11%. You plan a retirement around this fabulous nest egg and right befo...
by drbagel
Sat Feb 08, 2014 9:33 am
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 45079

Re: Why Own Bonds at All?

It seems that this line of reasoning was very popular before the crash of 2008. They went away for a while and now. Perhaps it is coming back into vogue. Let's say you invest 100% in stocks over 50 years and earn a tidy CAGR of 11%. You plan a retirement around this fabulous nest egg and right befor...
by drbagel
Wed Feb 05, 2014 3:20 am
Forum: Personal Investments
Topic: I sold all of my bonds...did I make a mistake?
Replies: 24
Views: 4334

Re: I sold all of my bonds...did I make a mistake?

Put your bond money into cash until the restrictions expire. At current interest rates, bonds don't earn much more than cash anyway.
by drbagel
Thu Jan 02, 2014 3:35 pm
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 71
Views: 15620

Re: Getting Best Price for a Prescription Drug

costco has very transparent pricing. According to their website, 30 tadalifil is $185. (5mg strength -edit)
by drbagel
Thu May 02, 2013 6:02 pm
Forum: Personal Investments
Topic: Asset Allocation for FIXED INCOME - Bonds, TIPS, Treasuries?
Replies: 7
Views: 1507

Re: Asset Allocation for FIXED INCOME - Bonds, TIPS, Treasur

I don't think it matters that much at this stage. Any of those bond allocations will dampen the volatility of your portfolio and provide zig against the zag of your stocks. I will offer one observation. Total bond is a mix of mortgage backed securities, treasuries and corporates. I don't think mortg...
by drbagel
Mon Apr 15, 2013 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 21243

Re: harvard med school vs. penn med+full tuition scholarship

You are an accomplished student to have such choices. Go to Penn. There is nothing you will learn at Harvard that you won't learn at Penn, except how to read an amortization table. Penn has an amazing reputation. Your residency matters far more than your medical school. Penn will allow you every opp...
by drbagel
Tue Apr 09, 2013 8:58 am
Forum: Investing - Theory, News & General
Topic: So, when the eventual bond rate increase begins…
Replies: 49
Views: 4931

Re: So, when the eventual bond rate increase begins…

To get the best CD rates you need to move money around from institution to institution. No bank or credit union offers the best rates forever. Two local credit unions are currently higher than Pen Fed. In the past they have been much lower. Too much work for me. I for one welcome an increase in rate...
by drbagel
Thu Aug 23, 2012 12:15 pm
Forum: Personal Investments
Topic: GOLD
Replies: 69
Views: 5302

Re: GOLD

I love these gold discussions. They are so heated. Here are my thoughts, if anyone cares to read. Cotton has value because it can be used to make threat and fabric. Oranges have value because you can juice them or eat them as a refreshing snack. Oil can be burned for heat and power. Gold has value b...
by drbagel
Fri Jan 13, 2012 6:45 pm
Forum: Personal Consumer Issues
Topic: Yamazaki single malt whisky - has anyone here tried it?
Replies: 18
Views: 1329

Re: Yamazaki single malt whisky - has anyone here tried it?

Had it, liked it. Not one of my all time favorites but a very good whiskey and certainly worthy as a gift.
by drbagel
Fri Jan 13, 2012 12:36 pm
Forum: Personal Consumer Issues
Topic: Cooking oil polyunsaturated fat
Replies: 22
Views: 1751

Re: Cooking oil polyunsaturated fat

I do use a lot of olive oil. I just have always heard that it isn't good for high temp cooking. I do a lot of stir frying do use lots of vegetable oil, so I was looking for an alternative. If the temp isn't high, I do use olive oil. If you buy extra light olive oil, you will probably be fine with h...
by drbagel
Wed Jul 13, 2011 2:54 pm
Forum: Investing - Theory, News & General
Topic: No more paper savings bonds
Replies: 207
Views: 36829

Paper savings bonds are going away. Treasury bills, notes and bonds are sold in $100 increments. Almost nobody is going to give electronic bonds as gifts, since this requires the recipient to open a treasury direct account. The feds clearly don't like the tax deferral characteristics of savings bond...
by drbagel
Wed Jul 13, 2011 5:21 am
Forum: Investing - Theory, News & General
Topic: No more paper savings bonds
Replies: 207
Views: 36829

No more paper savings bonds

http://www.usatoday.com/money/perfi/bonds/2011-07-13-savings-bonds-go-electronic_n.htm I wonder if this is an excuse to reduce the total dollar value of savings bonds that an individual can buy in a year. I know some investors buy 5k in paper and 5k in electronic I bonds every year to capitalize on ...
by drbagel
Fri Jan 28, 2011 1:27 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Bond ETF Article
Replies: 4
Views: 873

Morningstar Bond ETF Article

http://news.morningstar.com/articlenet/article.aspx?id=367406 This is an interesting article, and I don't think it has been discussed on this forum yet. The premise is that Bond ETF prices deviate from NAV in part because the ETF is more liquid than the individual issues that make it up. The price o...
by drbagel
Sun Jul 04, 2010 8:54 am
Forum: Personal Investments
Topic: Need an idea for a new invention
Replies: 50
Views: 6894

generic beer
by drbagel
Thu Jun 24, 2010 12:53 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard ETF's
Replies: 62
Views: 10503

Why so much overlap? With the exception of the muni and real estate etf's the bulk of these offerings are very similar to one of their current products. Different indexes in the same category have what I consider very different performance. The following chart of five small value ETFs used as proxi...
by drbagel
Thu Jun 24, 2010 12:19 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard ETF's
Replies: 62
Views: 10503

Why so much overlap? With the exception of the muni and real estate etf's the bulk of these offerings are very similar to one of their current products.
by drbagel
Tue Jun 22, 2010 3:48 pm
Forum: Personal Investments
Topic: Silver?
Replies: 18
Views: 3734

I own some junk silver because it is shiny and I like precious metals. Still, silver has some problems that need to be taken into consideration when deciding how much to hold. Disclaimer: I'm no expert in precious metals, but I think they are neat so I've thought and read a lot about them. I have mu...
by drbagel
Tue Jun 22, 2010 1:06 pm
Forum: Personal Investments
Topic: Silver?
Replies: 18
Views: 3734

Andrew Tobias in his book "The Only Investment Guide You Will Ever Need" suggests US silver coins with no numismatic value (so called junk silver) as a sensible precious metals investment. They are legal tender, so they will never be worth less than their face value. The denominations are small, so...
by drbagel
Mon Jun 21, 2010 12:14 pm
Forum: Investing - Theory, News & General
Topic: Historical Bond Index Information
Replies: 2
Views: 690

This is very good stuff. Thank you.
by drbagel
Mon Jun 21, 2010 10:34 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Index Information
Replies: 2
Views: 690

Historical Bond Index Information

Does anyone know of a website where I can find the historical makeup of the aggregate bond index? Any help is appreciated.
Thanks.
by drbagel
Wed Feb 24, 2010 3:12 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

Yes but market cap it the basis for index investing. Don't you think that over weighting a tiny corner of the debt market is, on some level, inconsistent with indexing? You are at some risk of losing out on your fair share of market return if you choose not to emulate the market.
by drbagel
Wed Feb 24, 2010 2:17 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

TIPS are issued by the Treasury but their value is controlled by the FED. If the Fed creates inflation the Treasury has to pay for it in terms of TIPS adjustments. I don't see the Treasury increasing TIPS sales the way it is increasing conventional bond sales. It seems like the potential downside to...
by drbagel
Wed Feb 24, 2010 1:58 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

Yes I see your point. Still, TIPS are pretty much the only inflation indexed bond denominated in dollars. When conventional treasury yields go down, people may choose to move into CD's, MBS, corporate or agency debt. When TIPS yields go down, they have to keep buying TIPS if they want inflation ind...
by drbagel
Wed Feb 24, 2010 1:51 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

This is great stuff! Thanks. I find it interesting that Tips are 8% of Treasuries but 50% of many bond portfolios. If the Treasury sells too few TIPS to meet demand, this could put downward pressure on TIPS yields. Well, that would be a good thing for those of us who already hold TIPS bonds. Also, ...
by drbagel
Wed Feb 24, 2010 12:29 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

This is great stuff! Thanks. I find it interesting that Tips are 8% of Treasuries but 50% of many bond portfolios. If the Treasury sells too few TIPS to meet demand, this could put downward pressure on TIPS yields.

Just a thought.
by drbagel
Wed Feb 24, 2010 12:06 pm
Forum: Investing - Theory, News & General
Topic: Cheapest way to buy physical gold?
Replies: 20
Views: 4419

APMEX.com is pretty good. 1 oz Gold Eagles sold in small quantities often carry a substantial mark up. Try buying gold Austrian Crowns (.98 oz gold) or 50 Mexican Pesos (37.5g). Of the two, the latter is marked with gold content if that is important to you. Both should carry less of a markup than ea...
by drbagel
Wed Feb 24, 2010 12:01 pm
Forum: Investing - Theory, News & General
Topic: market cap of TIPS vs conventional bonds
Replies: 16
Views: 2862

market cap of TIPS vs conventional bonds

I have a suspicion that many Bogleheads overweight TIPS relative to their actual market cap. I'm sure that TIPS don't make up 50% of all outstanding dollar denominated investment grade taxable debt. Does anyone know where to find the market cap of all outstanding TIPS vs conventional taxable bonds? ...
by drbagel
Wed Feb 17, 2010 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Investing in a tax free insured Muni - the risks
Replies: 10
Views: 1572

http://www.closed-endfunds.com/FundSelector/FundDetail.fs?ID=3330 Consider the following: ER = 1.32% Closed ended funds may trade at a discount or at a premium. Currently the fund is trading at a substantial discount, but there is no guarantee it won't be trading at a deeper discount when you want t...
by drbagel
Thu Feb 11, 2010 12:41 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund average maturity and average duration?
Replies: 7
Views: 2026

This is a good question that I'd like to see answered. I think only zero coupon bonds can have duration = maturity.

State Street also lists duration>maturity for TFI
duration 9.3> maturity 7.8
by drbagel
Thu Feb 11, 2010 12:27 pm
Forum: Investing - Theory, News & General
Topic: Dr Doom Predicts US Debt Default
Replies: 6
Views: 2262

Financial pornography. Nothing more.
by drbagel
Mon Feb 08, 2010 3:54 pm
Forum: Investing - Theory, News & General
Topic: iShares MSCI USA Index Fund
Replies: 3
Views: 2868

iShares MSCI USA Index Fund

http://www.indexuniverse.com/sections/newsinfocus/7200-ishares-drafts-country-etfs.html?Itemid=4 "The U.S. fund is a diversified ETF that will essentially be a mid- and large-cap portfolio that tracks an index investing in securities from companies in the top 85 percent of the domestic space by mark...
by drbagel
Mon Feb 08, 2010 2:54 pm
Forum: Investing - Theory, News & General
Topic: Dividend Funds, an example...
Replies: 31
Views: 4072

Let's examine another example, this time in a falling market. Say that both of our funds A and B experience a negative 30% total return in one year. For simplicity, we will assume that the dividend for both funds remains unchanged. A - We start with 100,000 in Fund A. That means that its dividend i...
by drbagel
Fri Feb 05, 2010 5:00 pm
Forum: Personal Investments
Topic: Fidelity Mass. 529 plan v. Utah 529 plan for Mass. child
Replies: 17
Views: 4830

I was drawn to the simplicity of the Nevada plan. The expense ratio is only 9 basis points higher than Utah Plan B for the first few years. I may switch as the expense gap widens. On the other hand, the Nevada plan may continue to lower its fees, as it did last year.
by drbagel
Fri Feb 05, 2010 3:55 pm
Forum: Personal Investments
Topic: Fidelity Mass. 529 plan v. Utah 529 plan for Mass. child
Replies: 17
Views: 4830

For what it's worth, I live in Mass and use the Nevada plan. I like the simplicity and low costs.
by drbagel
Tue Feb 02, 2010 7:47 pm
Forum: Personal Consumer Issues
Topic: A neutral term for "high yield"/"junk" b
Replies: 25
Views: 2897

Guys, it's a serious request for a genuinely neutral term. I like these suggestions: Speculative Investment Bonds They were often called speculative bonds before the term junk bonds became popular. Another is "below investment grade." High Default-Risk Bonds But I was hoping someone who uses these ...
by drbagel
Tue Feb 02, 2010 5:09 pm
Forum: Personal Consumer Issues
Topic: A neutral term for "high yield"/"junk" b
Replies: 25
Views: 2897

"Stocks dressed as bonds"
"cross-dressing bonds"
by drbagel
Tue Feb 02, 2010 4:21 pm
Forum: Personal Consumer Issues
Topic: A neutral term for "high yield"/"junk" b
Replies: 25
Views: 2897

Investment grade is "high grade" Below investment grade is "high yield" High grade vs High yield. To accurately reflect risk, one has to be low. How about "low grade bonds" or "low grade debt" Other options: "enhanced volatility bonds" "bonds with equity risk" "non-diversifying bonds" "stock like bo...
by drbagel
Fri Jan 22, 2010 8:23 pm
Forum: Personal Investments
Topic: Rollover IRA
Replies: 10
Views: 1645

Thanks for your suggestions. I think you are right. It makes more sense to invest after tax and convert going forward.
by drbagel
Wed Jan 20, 2010 6:13 pm
Forum: Personal Investments
Topic: Rollover IRA
Replies: 10
Views: 1645

Sorry, The 401k in question belongs to my wife. It is from a former employer and the money is at Fidelity. She has not worked at that company for 2 years. I know that I can roll her entire 401k into an IRA and convert to a Roth this year but I cant come up with the cash to pay the taxes on the enti...