Search found 1804 matches

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: 1298

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: 457

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: 457

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: 457

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: 573

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: 2425

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: 1298

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: 1298

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: 348

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: 5259

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: 1835

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: 1884

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: 2311

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: 36
Views: 3717

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: 2414

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: 4386

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: 5785

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: 988

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: 2311

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: 8395

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: 1326

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: 1131

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: 2414

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: 2591

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: 625

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: 441

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: 3700

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: 1719

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: 373

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
by jhfenton
Fri Mar 10, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Buying MUNIs, wait until Fed decides interest rates?
Replies: 10
Views: 1148

Re: Buying MUNIs, wait until Fed decides interest rates?

A 25 bp increase in the Federal Funds rates next week is 100% priced into the bond market. There was a large bump in yields across the yield curve this week in response to economic news, and the virtually certainty now that the Fed will act next week. So who knows what yields across the yield curve ...
by jhfenton
Fri Mar 10, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Important Bear Market Signal sent
Replies: 19
Views: 3216

Re: Important Bear Market Signal sent

From the above information we can confidently predict - GBP pound sterling will weaken (the gilts fund) having fallen c. -18% since the last purchase (March 2016) - growth stocks will continue to outperform value - EM, having rallied strongly, are for the tank Your have been warned! Thanks for the ...
by jhfenton
Tue Mar 07, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: Is tilting with small cap and REIT still recommended if they are not available as index-funds?
Replies: 20
Views: 2178

Re: Is tilting with small cap and REIT still recommended if they are not available as index-funds?

Just to echo the general sentiment…I wouldn't pay anywhere 1.25% extra to tilt. I slice and dice and tilt, but it's with Vanguard funds at ERs ranging from 4 bp to 14 bp. At this point, I haven't seen any third-party ETFs (or accessible mutual funds) with tilts/factor exposures attractive enough to...
by jhfenton
Mon Mar 06, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 9
Views: 851

Re: 401K refunded due to failure of the IRS 125 tests

The intent of the nondiscrimination testing to to discourage owners in your company's situation from putting in a 401(k) plan that primarily benefits the owners or top brass. The rules encourage plan sponsors to (a) offer a match and actively-encourage plan participation through education or even au...
by jhfenton
Mon Mar 06, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9947

Re: Did you buy SNAP?

SnapChat doesn't really offer anything that Facebook won't offer in the very near future but with larger network effects. My 14 year old loves snapchat, and has less than zero interest in facebook. Facebook is for 40 year olds. I don't see how snapchat will monetize their eyeballs, and in 8 years, ...
by jhfenton
Sat Mar 04, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: To move or not to move (employer sponsored HSA raising wrap fee)
Replies: 5
Views: 360

Re: To move or not to move (employer sponsored HSA raising wrap fee)

True. But I'd have to balance that with Saturna's calendar-year inactivity fee of $25. $12.50 if the account has only mutual funds. So make it one-time $15 vs $56 savings each and every year. That's what I'm afraid of. Thanks for the negative anecdote. That's more inspiration to stay put for a whil...
by jhfenton
Fri Mar 03, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: To move or not to move (employer sponsored HSA raising wrap fee)
Replies: 5
Views: 360

Re: To move or not to move (employer sponsored HSA raising wrap fee)

So I'm trying to decide whether the savings is worth the hassle to move my HSA and commit to a program of moving a year's worth of contributions each year. You don't have to move each year. After you build up $2,000 in the 5/3 HSA, you can invest the additional money as you do now. You are then bas...
by jhfenton
Fri Mar 03, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: To move or not to move (employer sponsored HSA raising wrap fee)
Replies: 5
Views: 360

To move or not to move (employer sponsored HSA raising wrap fee)

My employer-sponsored HSA at 5th/3rd Bank previously offered a horrible mix of mutual funds, with one bright spot: Vanguard 500 Index Admiral (VFIAX). The costs of the account are $2,000 kept in the FDIC-insured cash account, a $2/month investment fee charged to the cash account, and a 2.5 bp/quarte...
by jhfenton
Fri Mar 03, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5259

Re: New Vanguard Emerging Market Bond Fund

Here is what I think is the Vanguard version - VGOVX https://personal.vanguard.com/us/funds/snapshot?FundId=1120&FundIntExt=INT That is not the Vanguard fund we were discussing. Those are the Investor shares of the existing Vanguard Emerging Markets Government Bond Index Fund. (Most folks own V...
by jhfenton
Fri Mar 03, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage only option at Vg?
Replies: 10
Views: 683

Re: Brokerage only option at Vg?

Yep, they have great telecom services http://www.fidelitycommunications.com/ But seriously, I think dodge is no 6. http://www.pionline.com/article/20161017/PRINT/161019925/vanguard-pads-lead-over-fidelity-as-largest-manager-of-dc-mutual-fund-assets That list was just for defined contribution plan a...
by jhfenton
Thu Mar 02, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can't move money between Vanguard accounts?
Replies: 2
Views: 668

Re: Can't move money between Vanguard accounts?

CorradoJr wrote:Does this sound about right? I suppose once I upgrade my Roth IRA, I will then be able to move the funds?

Yes. If you upgrade the Roth IRA to the combined brokerage platform, you will be able to transfer money between accounts.
by jhfenton
Thu Mar 02, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 1861

Re: Price of a used Honda Odyssey

Casper wrote:I was only looking for EX-L, because of leather seats, power doors and liftgate, and some other necessary (for us) features.

The remote power doors and liftgate are worth every penny. So handy with small kids, groceries, bad weather, and the other complications of life.
by jhfenton
Thu Mar 02, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 1861

Re: Price of a used Honda Odyssey

I'm only in my late 20's, but I'm starting to feel old. As a kid, I stared out the window of my parent's minivan on trips <500 miles. On trips >500 miles, we brought a 10 inch tv and game system to hook up to the cigarette lighter. I can't imagine paying $10k-20k more to get extra equipment on a mi...
by jhfenton
Thu Mar 02, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 1861

Re: Price of a used Honda Odyssey

The LX model is the base. Most with kids prefer leather over cloth seats (kids spill a lot, feet on seat, wipe off). A DVD system for long road trips and small kids is pretty nice. The Sienna will be a bit roomier but drive a little larger. The Odyssey is still roomy but will drive a bit different ...
by jhfenton
Thu Mar 02, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Managed Mutual Fund for Index Fund, But Big Tax Hit
Replies: 10
Views: 808

Re: Selling Managed Mutual Fund for Index Fund, But Big Tax Hit

Do you avoid capital gains tax if you do a fund exchange within a fund family in a taxable account, or am I misunderstanding how you would save taxes? No. Exchanging between funds is a sale and does not avoid capital gains. I don't understand Mel's suggestion either. (A share class conversion, from...
by jhfenton
Thu Mar 02, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: New Smart TV without antenna or cable
Replies: 18
Views: 922

Re: New Smart TV without antenna or cable

The $399 was the 55" 4K Roku TV that I said we bought at Christmas. (And I've seen it at that price at Target in the last month.) Likely this model or perhaps this Walmart model I see it has a "HBO Now" icon -- if it were NOT connected via a provider box, can I logon via my Comcast a...
by jhfenton
Thu Mar 02, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: New Smart TV without antenna or cable
Replies: 18
Views: 922

Re: New Smart TV without antenna or cable

Like others have said, no smart TV will be as capable as an external streaming device - just make sure you buy a TV with several HDMI ports and at least one (or more) with HDCP 2.2 to future proof yourself for 4K. Apple TV is more/overpriced but most streaming devices, Roku, Chromecast, Amazon Fire...
by jhfenton
Thu Mar 02, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: New Smart TV without antenna or cable
Replies: 18
Views: 922

Re: New Smart TV without antenna or cable

Like others have said, no smart TV will be as capable as an external streaming device - just make sure you buy a TV with several HDMI ports and at least one (or more) with HDCP 2.2 to future proof yourself for 4K. Apple TV is more/overpriced but most streaming devices, Roku, Chromecast, Amazon Fire...
by jhfenton
Thu Mar 02, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: New Smart TV without antenna or cable
Replies: 18
Views: 922

Re: New Smart TV without antenna or cable

The TCL TVs with built-in Roku are at a nice price point, especially for a guest TV. We bought a 55" 4K TCL Roku set for $399 for Christmas, and it's been great. A 40" 1080p set would be a lot less than that. You can control the Roku TVs with the included Roku-style remote or (once it's co...
by jhfenton
Thu Mar 02, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Is tilting with small cap and REIT still recommended if they are not available as index-funds?
Replies: 20
Views: 2178

Re: Is tilting with small cap and REIT still recommended if they are not available as index-funds?

Just to echo the general sentiment…I wouldn't pay anywhere 1.25% extra to tilt. I slice and dice and tilt, but it's with Vanguard funds at ERs ranging from 4 bp to 14 bp. At this point, I haven't seen any third-party ETFs (or accessible mutual funds) with tilts/factor exposures attractive enough to ...
by jhfenton
Thu Mar 02, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Schwab OneSource ETFs lower fees than admiral shares
Replies: 28
Views: 2366

Re: Schwab OneSource ETFs lower fees than admiral shares

Just for the record, according to their recently-released annual reports, the actual ERs on both VFIAX and VTSAX last year were 0.04%. It won't be reflected in the "official" ERs until the new prospectuses comes out in late April, but if you held VFIAX or VTSAX (or the ETFs) last year, you...

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