Search found 2892 matches

by jhfenton
Wed Mar 14, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: A Vanguard mutual fund exchange gone awry...
Replies: 5
Views: 1018

Re: A Vanguard mutual fund exchange gone awry...

I stumbled into a few margin account glitches when we first moved our accounts to Vanguard. We ended up "de-margining" our taxable account to avoid further problems. (Our problem was that the system choked on exchanges from the taxable account into one of our Roth IRAs. I'd exchange $500 from VOHIX/...
by jhfenton
Wed Mar 14, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3263

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

I was conflating healthsavings.com with HSA Authority that is run by Old National Bank in Indiana. The latter charges $30/year and offers a variety of Vanguard funds at cost, some admiral shares, some investor shares. But a recent call to Old National customer service led to my hanging up after 6 m...
by jhfenton
Tue Mar 13, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9022

Re: Who's doing 100% international equity?

I'm getting deja vu all over again from this thread. I remember a few people doing this that worked for big US corporations. The lowest correlation is International Small Cap. I would also assume Emerging Markets would have a lower correlation as well. International developed large cap is pretty ti...
by jhfenton
Mon Mar 12, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

I found some information on portfolio construction from some Vanguard advisor materials that a friend shared with me. Each single-factor product (value, momentum, quality, and liquidity) uses three equally-weighted metrics: VALUE • Book to price • Forward earnings to price • Cash flow to price MOMEN...
by jhfenton
Mon Mar 12, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

Could Vanguard close the ETF to new investors at 30 billion? I know mutual funds can close to new investors, but haven’t ever read about it for ETFs. I'm not aware of any way that an ETF can reasonably close. It is possible to suspend the creation and redemption mechanism. That occasionally happens...
by jhfenton
Mon Mar 12, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: Momentum and P/E vs. Market Cap visualizations for new Vanguard factor ETFs and others
Replies: 31
Views: 3426

Re: Momentum and P/E vs. Market Cap visualizations for new Vanguard factor ETFs and others

lack_ey wrote:
Sun Mar 11, 2018 3:04 pm
EDIT: Now with momentum factor data!
That is spectacular. And it really makes the Vanguard factor funds look appealing.
by jhfenton
Mon Mar 12, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

I would think that these funds could get pretty big as is. Current small cap value fund has ~ 30 billion. This value factor fund has a similar amount of names and a larger average market cap. I also see no reason they couldn't scale the VFVA portfolio up from $8 Million to $8 Billion. Positions 601...
by jhfenton
Sun Mar 11, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3263

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

healthsavings.com provides 100% of funds invested, no transaction fees, $25 annual fee, and includes a money market ootion with debit card option. I haven't used them but Vanguard links tov hem from their own site as an HSA provider of Vanguard funds. They offer a variety of Vanguard, Dimensional F...
by jhfenton
Sun Mar 11, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Puzzled by holdings of Vanguard Tot Corporate Bond EFT (VTC)
Replies: 1
Views: 219

Re: Puzzled by holdings of Vanguard Tot Corporate Bond EFT (VTC)

I think it is a mistake on the fund's portfolio front page. If you click through to the list of portfolio holdings, it shows 5,672 holdings for VTC.
by jhfenton
Sun Mar 11, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1887

Re: Fidelity and online passwords.

I have a Fidelity 401(k) too, and I've never tried the phone system. What functions are available through the telephone system? Are there any sensitive functions available? I don't like that Fidelity limit passwords to 20 characters and exclude most symbols, but a 20-character limit is an improvemen...
by jhfenton
Sun Mar 11, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3263

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

For those of us who are healthy enough to not need to use HSA funds for medical expenses and seek to use the HSA as a strictly investment-oriented vehicle, I was wondering this. Suppose that your HSA (whether it be from your employer or one that you chose yourself) requires you to have a minimum $1...
by jhfenton
Sun Mar 11, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Momentum and P/E vs. Market Cap visualizations for new Vanguard factor ETFs and others
Replies: 31
Views: 3426

Re: P/E vs. Market Cap visualizations (and more?) for new Vanguard factor ETFs and others

lack_ey wrote:
Sun Mar 11, 2018 3:04 pm
Full album link on imgur:
https://imgur.com/a/hRoU6
Thanks, lack_ey. :beer Those are nifty and interesting. I like the spread and diversity in the new Vanguard funds.
by jhfenton
Sun Mar 11, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

While I was watching the Harvard-Penn basketball game: Vanguard U.S. Liquidity Factor ETF: POS#s VFLQ P/PE P/B ROA ROE PEG Yield Avg Mkt Cap LCV LCB LCG MCV MCB MCG SCV SCB SCG 001-200 $3,970,486.91 19.18 2.65 5.96% 24.94% 11.88% 1.66% $19,220,610,000.00 19 23 22 5 4 5 9 7 6 201-400 $1,545,385.65 18...
by jhfenton
Sun Mar 11, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds Changed again?
Replies: 12
Views: 2059

Re: Target Date Funds Changed again?

I'll challenge the original premise. I don't see any evidence that Vanguard has changed the TRF allocations (again). Comparing the current allocations to the numbers from the Wiki from 2015 : TRF 2030 - 74.4/25.6 in December 2015, 69.6/29.5/0.9 (stock/bond+cash/other) now TRF 2020 - 59.4/40.6 in Dec...
by jhfenton
Sun Mar 11, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Barron’s Best Fund Families-Vanguard ranked #1 for the 5&10 year periods
Replies: 1
Views: 536

Re: Barron’s Best Fund Families-Vanguard ranked #1 for the 5&10 year periods

What's most remarkable is that this year, the Barron's rankings are for active and smart beta only. They excluded market-cap weighted index funds this year. And Vanguard was still #2/#1/#1 for the 1-year, 5-year, and 10-year rankings. Costs and discipline matter.
by jhfenton
Sun Mar 11, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Server Changed TIP amount - 3rd time in a month
Replies: 50
Views: 4887

Re: Server Changed TIP amount - 3rd time in a month

All my credit cards are setup to email me on every transaction. I usually get a notification on my phone within seconds - glance at it, then delete. I think it's the best way to catch something like this quickly rather than saving all receipts and reconciling later. It's never happened to me but if...
by jhfenton
Sat Mar 10, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: ETF's vs. Mutual Funds During Market Panics
Replies: 22
Views: 1831

Re: ETF's vs. Mutual Funds During Market Panics

To further conclude: I still don't see the blurring of lines between ETNs and ETFs. ETFdb called GLD an ETF, but it is an ETN, not an ETF. Investopedia, the Seattle Times, and Reuters called XIV an ETF, but it an ETN, not an ETF. You don't see this as a "blurring of lines?" Wouldn't it bother you i...
by jhfenton
Sat Mar 10, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Disrupted Active Investing. Now It Could Save It.
Replies: 8
Views: 2247

Re: Vanguard Disrupted Active Investing. Now It Could Save It.

Are these truly active? Or are they passive? They are not index funds obviously, but I am not sure I would call them 'active'. They are similar to DFA funds, in that they follow quantitative models, but they don't follow an index or have a set refresh schedule like most "passive" smart beta funds. ...
by jhfenton
Sat Mar 10, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: ETF's vs. Mutual Funds During Market Panics
Replies: 22
Views: 1831

Re: ETF's vs. Mutual Funds During Market Panics

I've read the long Wiki here on the ETF vs. Mutual Fund topic and at least some of the other threads but haven't seen the topic of divergent performance between the two investment types addressed in detail (and if I missed a thread on this very issue, which is certainly possible, I apologize). The ...
by jhfenton
Sat Mar 10, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

jhfenton, thank you for doing this. Fascinating thread. :beer *edited to include a link to Alpha Architect’s blog post on why MTUM is only a “quasi momentum fund”. https://alphaarchitect.com/2017/07/24/momentum-and-size/ Can anyone evaluate the Vanguard U.S. Momentum Factor ETF (VFMO) offering and ...
by jhfenton
Sat Mar 10, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 1050

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Okay - I realize now I said the wrong funds. The funds I actually have in my 401k are: Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) (This appears to be the S&P 500) Vanguard Mid-Cap Index Fund Institutional Shares (VMCIX) Vanguard Small-Cap Index Fund Institutional Plus Share...
by jhfenton
Sat Mar 10, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

Dot size corresponds to the weighting within the fund. Do you think forward P/E is more useful or trailing P/E? Actually, doing any or P/B or P/S is just as easy, though I'd need to figure out what to do with some more of the NaN values. Maybe impute based on other stats. How does one normally comp...
by jhfenton
Sat Mar 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

VFMO 001-200 201-400 401-600 601-785 Overall MTUM *Cyclical* 32.78% 30.61% 43.59% 39.01% 34.30% 37.88% Basic Materials 3.66% 5.74% 10.92% 1.77% 5.11% 1.34% Consumer Cyclical 17.78% 17.89% 20.38% 21.39% 18.40% 7.13% Financial Services 10.95% 6.03% 9.80% 13.42% 9.83% 29.23% Real Estate 0.39% 0.95% 2....
by jhfenton
Sat Mar 10, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

Vanguard U.S. Momentum Factor Pos#s VFMO P/PE P/B ROA ROE PEG Yield Avg Mkt Cap LCV LCB LCG MCV MCB MCG SCV SCB SCG 001-200 $5,740,296.71 21.13 5.57 6.28% 35.33% 15.24% 0.87% $28,812,870,000.00 11 14 37 3 5 16 1 4 9 201-400 $2,211,797.21 20.29 4.27 -4.19% 11.87% 13.71% 0.44% $3,416,090,000.00 1 2 2 ...
by jhfenton
Fri Mar 09, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

I'll do the momentum one tomorrow. Now that I know what I'm doing, it doesn't take long. I may do liquidity too. I'm curious what that one looks like. Actually, I have a script for pulling some of this Morningstar data (...scraping directly from the webpage, not via their actual tools), and I'm a b...
by jhfenton
Fri Mar 09, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

How'd you calculate the combined style box, @Angst? I had those numbers in my tables, only horizontally. He did what I should have done and presented them properly. Of course you did all the real work; very much appreciated. Does this now mean you will be updating data on a regular basis until M* s...
by jhfenton
Fri Mar 09, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roth with income 118K-133K
Replies: 5
Views: 492

Re: Roth with income 118K-133K

If you don't have any traditional IRA balances muddying the water, I would just "backdoor" the full amount to avoid any complications or delays waiting until you know your exact income.
by jhfenton
Fri Mar 09, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

M* sector weights for VFMF (Vanguard U.S. Multifactor ETF) VFMF 001-200 201-400 401-558 Overall S&P 500 *Cyclical* 40.88% 48.48% 47.89% 43.56% 33.44% Basic Materials 3.54% 4.29% 8.19% 4.29% 2.76% Consumer Cyclical 11.29% 27.65% 17.06% 15.92% 11.50% Financial Services 26.05% 15.10% 21.58% 22.87% 16.9...
by jhfenton
Fri Mar 09, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

M* sector weights for VFVA (Vanguard U.S. Value Factor ETF) VFVA 001-200 201-400 401-600 601-785 Overall Rus 1K Val *Cyclical* 43.49% 48.78% 51.96% 63.92% 47.81% 41.35% Basic Materials 3.87% 3.60% 7.65% 7.36% 4.72% 3.04% Consumer Cyclical 10.58% 18.78% 23.62% 17.64% 14.93% 6.48% Financial Services 2...
by jhfenton
Fri Mar 09, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

You should generally not run into this problem with steady HDHP plan/contributions to one employer throughout the year. If your employer has half a clue. Just like 401k employee deferrals, the employer should stop contributions when based on their knowledge (employer contribution, HDHP plan and age...
by jhfenton
Fri Mar 09, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Selecting a Total Market Index Fund within TD Ameritrade 401k
Replies: 3
Views: 308

Re: Selecting a Total Market Index Option within TD Ameritrade 401k

livesoft wrote:
Thu Mar 08, 2018 8:45 pm
SPTM is a total US stock market index ETF.
+1 SPTM is probably your best choice for a total market fund at TD Ameritrade. The SPDR Portfolio ETFs on TD Ameritrade's commission-free list all have dirt cheap expense ratios.
by jhfenton
Fri Mar 09, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

Theoretical wrote:
Thu Mar 08, 2018 10:26 pm
How'd you calculate the combined style box, @Angst?
I had those numbers in my tables, only horizontally. He did what I should have done and presented them properly.
by jhfenton
Thu Mar 08, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

I bought some of the Multifactor Admiral Shares on the first day. I'm planning to stick with it as a core position, but I'll probably take my existing large value and move it to VFVA. It seems to be more value-y than Vanguard's existing CRSP value funds. I may swap a couple of percent to the positio...
by jhfenton
Thu Mar 08, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Re: Vanguard New Factor Funds Portfolio Statistics

VFMF (Vanguard US Multifactor ETF) Pos#s Total Value P/PE P/B ROA ROE PEG Yield Avg Mkt Cap LCV LCB LCG MCV MCB MCG SCV SCB SCG 001-200 $4,865,365.77 15.61 2.45 6.68% 31.75% 11.38% 1.51% $26,988MM 28 14 17 12 10 7 6 3 3 201-400 $1,833,106.22 17.10 2.29 5.87% 12.90% 10.61% 1.05% $2,322MM 1 0 2 4 5 8 ...
by jhfenton
Thu Mar 08, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16405

Vanguard New Factor Funds Portfolio Statistics

I was a bit impatient for portfolio statistic on the new factor funds, so I've started calculating them, at least roughly. You can export the portfolio's from Vanguard, tweak the CSV file, and import the portfolio into M*'s portfolio manager. The big limitation is a limit of 200 holdings. So I have ...
by jhfenton
Thu Mar 08, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 1050

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Keep in mind that the Vanguard Large Cap Index Fund (VLCAX) includes the stocks in the Vanguard Mid Cap Index Fund (VIMSX). Vanguard Mega Cap (Top 70% of market by cap) Vanguard Large Cap (Top 85% of market by cap) Vanguard Mid Cap (70-85% of market by cap) Vanguard Small Cap (85-98% of market by c...
by jhfenton
Thu Mar 08, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When does the 1-year HSA rollover clock start and end?
Replies: 12
Views: 977

Re: When does the 1-year HSA rollover clock start and end?

Well, actually, you can still move 100% of the money from Optum to Lively once a year and mark the "keep account open" box on the transfer form. None of this requires an indirect rollover. I still don't see why this is the preferred method here. There's no guarantee the "Keep Account Open" box will...
by jhfenton
Thu Mar 08, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 1050

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Keep in mind that the Vanguard Large Cap Index Fund (VLCAX) includes the stocks in the Vanguard Mid Cap Index Fund (VIMSX). Vanguard Mega Cap (Top 70% of market by cap) Vanguard Large Cap (Top 85% of market by cap) Vanguard Mid Cap (70-85% of market by cap) Vanguard Small Cap (85-98% of market by ca...
by jhfenton
Wed Mar 07, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

Did you ask if there was a fee? Nope. I am (reasonably) certain there will not be, given the circumstances. And, if a fee is attempted to be assessed, I: (1) will not pay it, and (2) will move the funds elsewhere. Wouldn't it be easier if you just called and asked. If they will be charging a fee: (...
by jhfenton
Wed Mar 07, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA maximum change

What?? I have no idea how my employer is going to handle this as well. Why couldn't the IRS just said $6,900 is close enough for government work and let it slip until next year. What a joke. I left a message for our benefits people this morning, because I don't expect them to know what's happening ...
by jhfenton
Wed Mar 07, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

Hold on. Do NOT rush to remove excess contributions: I do not know of any HSA custodian who doesn't charge to remove excess contributions and their earnings, typically $20 - $25. It is far less expensive to file form 5329 with your 2018 tax return and pay a $50 * 6% = $3 excise tax, stay $50 under ...
by jhfenton
Wed Mar 07, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 5977

Re: Donations to your enrolled public school

We gave low three figures to our freshman's current public school this year, not counting quite reasonable athletic fees (basketball and track). It is the top-ranked high school in Ohio and ranked top 50 nationally. The school has an alumni foundation that provides support over and above what it get...
by jhfenton
Wed Mar 07, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Looking for an example of a fund which has beat its index for 30 years
Replies: 93
Views: 9215

Re: Looking for an example of a fund which has beat its index for 30 years

I am not sure a passive index fund should beat its index. If the fund really is representative of the index it should trail the index by the funds ER. Not necessarily, especially with small caps. Neither index returns nor the expense ratio take into account securities lending revenue. VSS (Vanguard...
by jhfenton
Wed Mar 07, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

The IRS is only doing what it is required to do under the new TCJA law. You should not shoot the messenger. The chained CPI at work here. Yep. I thought that only applied after 2018 (i.e. for calculations based on 2018 inflation and later), but apparently not. :oops: I think this paragraph explains...
by jhfenton
Wed Mar 07, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

The IRS is only doing what it is required to do under the new TCJA law. You should not shoot the messager. The chained CPI at work here. Yep. I thought that only applied after 2018 (i.e. for calculations based on 2018 inflation and later), but apparently not. :oops: i was going to have to alter my ...
by jhfenton
Wed Mar 07, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

I don’t believe it. I’m not aware the the tax bill made any changes to the HSA contribution limit calculations, and I don’t believe the IRS would quietly bury a mid-year $50 change.

I’m guessing that it is a mistake that will be corrected. I’ll do more research later at work.
by jhfenton
Tue Mar 06, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should people with HSA pay all medical expenses without it?
Replies: 23
Views: 2400

Re: Should people with HSA pay all medical expenses without it?

Those funds can also be used for dental work, hearing aides, glasses, premium lens implants during cataract surgery, etc-- expenses that almost everyone will have over age 65, eventually. All these items are very high-cost, it will hurt a lot less when using your stealth IRA HSA that has grown tax-...
by jhfenton
Tue Mar 06, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TD: Missing dividends
Replies: 5
Views: 639

Re: Scottrade to TD: Missing dividends

I'm sorry to hear about the problem. That kind of glitch would push all my buttons. PIMIX obviously declares and accrues dividends daily and pays them monthly. Perhaps the other bond fund declares and pays dividends monthly. You can tell by checking whether the bond NAV drops on dividend payout day....
by jhfenton
Tue Mar 06, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Where to send blu-ray for digitization?
Replies: 6
Views: 964

Re: Where to send blu-ray for digitization?

Thanks guys. Is MakeMKV a program that makes lossless, exact copies of my blu-ray? I don't want any compression and loss in quality from the original. Yes. MakeMKV copies the video straight and unaltered from the disc to one or more files. You can choose which of multiple audio and subtitle tracks ...
by jhfenton
Mon Mar 05, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Does DFA justify the higher ER?
Replies: 16
Views: 1374

Re: Does DFA justify the higher ER?

I use DFSTX (DFA US Small Cap I) (not strictly value, but +quality -junk) in my 401(k), and I will use DFSVX in my wife's new 401(k) when she is eligible (May 1). I would not pay extra to access a financial advisor in order to access DFA, and I might not choose a DFA fund over a comparable Vanguard ...