Search found 1672 matches

by jhfenton
Sat Feb 04, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: ETF Premium/Discount - Vanguard vs iShares
Replies: 13
Views: 795

Re: ETF Premium/Discount - Vanguard vs iShares

I've watched VIOV trade, and I think it's solid enough now that I'd be comfortable buying it in taxable if I needed small value in taxable. (We own VSIAX in our IRAs.) AUM is over $200MM. Average daily volume is $3MM, but there was a recent day over $12MM (100K shares). Because of the volume and liq...
by jhfenton
Sat Feb 04, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 20913

Re: Quicken's future direction - a cause for concern

I wrote Quicken off many years ago based on the deteriorating quality and lack of commitment. I'm not surprised at the new over-priced subscription model, and I'm not optimistic that it will lead to a better product. I'm not totally opposed to subscriptions. I subscribe to Office 365, but that gets ...
by jhfenton
Sat Feb 04, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 1988

Re: Anyone have a tilt portfolio similar to this

It's not unreasonable. My equity allocation (88% of portfolio) isn't too far off of that. The main difference is the addition of small cap international and a 50/50 US/International split. 12.5% S&P 500 12.5% Midcap Value (VMVAX) 25.0% Smallcap Value (VSIAX) 16.7% Total Developed (VTMGX) 16.7% e...
by jhfenton
Fri Feb 03, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: VTEB vs MUB [Vanguard Tax-Exempt vs. iShares National Muni Bond ETF]
Replies: 24
Views: 3826

Re: VTEB vs MUB [Vanguard Tax-Exempt vs. iShares National Muni Bond ETF]

Here's a related question about VTEB and MUB. I thought it made more sense to continue this discussion rather than start a new one ... Considering that both VTEB and MUB track the same index (S&P National AMT-Free Municipal Bond Index) you would expect their performance to closely match one ano...
by jhfenton
Fri Feb 03, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3716

Re: Robocalls! -- current best call blocker?

We use CPR V5000 Call Blocker from https://smile.amazon.com/ and are happy with it. Very easy to use, and effective. We use CPR V5000 Call Blocker from https://smile.amazon.com/ and are happy with it. Very easy to use, and effective. https://www.amazon.com/CPR-Call-Blocker-V5000/dp/B0191XMBV2 Wow. ...
by jhfenton
Fri Feb 03, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1081

Re: Is it normal to have mutual funds and ETF's or is either one or other?

At the amounts we're talking about, the difference in fees on Admiral/ETF shares vs Investor shares is negligible. For example, if you have $10k of Total Bond, the additional 0.1% would add up to $10/year. Once you get over $10k, you get switched to Admiral shares anyway. That is true if the fund h...
by jhfenton
Fri Feb 03, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5497

Re: Index Investors getting a free ride

...This article is merely an attempt to dress up the tired old argument that passive investing will stop working when too many people do it. Been discussed and debunked many times, including on this forum. Wrapping the argument in free-riding terms only makes it sillier... Conspiratorial thinking a...
by jhfenton
Fri Feb 03, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1081

Re: Is it normal to have mutual funds and ETF's or is either one or other?

I happily use both: 401(k): 2 mutual funds HSA: 1 mutual fund Taxable: 1 mutual fund (muni bond), 2 ETFs Roth: 3 mutual funds, 1 ETF Traditional: 1 mutual fund Roth: 1 mutual fund, 1 ETF Traditional: 5 mutual funds, 2 ETFs All else being equal, I prefer mutual funds. They make exchanges and periodic...
by jhfenton
Thu Feb 02, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 3016

Re: Am I being given needlessly complicated advice?

Yes. There are rational portfolios with 12 funds. Neither of those qualifies. There's way too much overlap. The Fidelity one makes a little more sense than the accountant's, but there are still 4 separate large cap funds: total market, dividend, value, and growth.
by jhfenton
Thu Feb 02, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 46
Views: 4405

Re: Schwab trading/fund fee changes

I don't get this: Starting March 1, 2017, expenses for the Schwab market cap-weighted index mutual funds will be lowered to align with their Schwab ETFs™ equivalents3, which already have among the lowest expenses in the industry. From what I've read and understood, expense ratios are a backward loo...
by jhfenton
Thu Feb 02, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding Vanguard Asset Mix
Replies: 2
Views: 224

Re: Question regarding Vanguard Asset Mix

Short version: The Vanguard Portfolio Watch tool takes a day to reflect debits. It's probably counting both your Target Retirement fund and the cash you used to buy it. Long version: If you made a $1,000 purchase yesterday, your account probably still shows $1,000 in your settlement fund with a matc...
by jhfenton
Thu Feb 02, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TIPS pricing incorrect
Replies: 8
Views: 659

Re: Vanguard TIPS pricing incorrect

If you read the fine print at the bottom of the bond pages it refers to Tradeweb and the links on the bond trading pages lead to tradewebretail.com.

Hence my impression that it is a third-party service.

I do see where the TIPS links say "Call us".
by jhfenton
Thu Feb 02, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Very Confusing - Employer 401K S&P 500 Fund
Replies: 4
Views: 416

Re: Very Confusing - Employer 401K S&P 500 Fund

Yep. I have a Fidelity S&P 500 CIT in my 401(k) charging 4 bp. On my portfolio spreadsheet I use a Fidelity S&P 500 Institutional Index fund at 4 bp as a proxy. They track perfectly together except for the two times per year that the mutual fund issues a dividend, at which point the NAV of t...
by jhfenton
Thu Feb 02, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TIPS pricing incorrect
Replies: 8
Views: 659

Re: Vanguard TIPS pricing incorrect

I was under the impression that Vanguard uses Tradeweb's platform for all of their online bond trading. Isn't this Tradeweb's glitch? And wouldn't some other brokers also be impacted?
by jhfenton
Thu Feb 02, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund for Taxable
Replies: 12
Views: 1190

Re: Tax Exempt Bond Fund for Taxable

Late last year, I TLH from Van. Inter. Tax Exempt Bond into Van. Limited Term Tax Exempt Fund. Should I switch back now that the wash sale period has passed? If you would prefer owning Intermediate Tax Exempt then, by all means switch. :happy Keeping in mind that you will have to pay taxes on any g...
by jhfenton
Thu Feb 02, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Is there a way to track how a bond fund like VTBLX is doing during the trading day?
Replies: 10
Views: 643

Re: Is there a way to track how a bond fund like VTBLX is doing during the trading day?

Like all mutual funds, there is nothing to track during the day since their NAV is set after closing. If you want to see how the equivalent index is doing throughout the day, the easiest thing is to monitor an ETF that tracks the same index. It's what I do for both my bond and stock index funds. BN...
by jhfenton
Thu Feb 02, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Is there a way to track how a bond fund like VTBLX is doing during the trading day?
Replies: 10
Views: 643

Re: Is there a way to track how a bond fund like VTBLX is doing during the trading day?

acr123 wrote:you could look at the corresponding ETF.

+1 Watch BND trade during the day. It is the ETF share class of the fund.
by jhfenton
Wed Feb 01, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Exxon's PE ratio is 40????
Replies: 27
Views: 2683

Re: Exxon's PE ratio is 40????

XOM is either a bargain or is grossly overvalued - depending on your view of the future value of energy (natural gas, and oil). If you think oil will soon go back to $100+ a barrel - then XOM is probably a great bargain. If you think oil will stay at around $50/barrel for the foreseeable future - t...
by jhfenton
Wed Feb 01, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 121
Views: 10877

Re: Best HSA (2017)

I definitely wouldn't hold a bond ETF at Saturna, but a once-a-year investment in an equity ETF with 4 x year dividend reinvestments would still be slightly cheaper at ($15 + $4) than a Vanguard mutual fund ($25). I plan eventually to move my employer-sponsored HSA to Saturna, but it's not worth th...
by jhfenton
Wed Feb 01, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Exxon's PE ratio is 40????
Replies: 27
Views: 2683

Re: Exxon's PE ratio is 40????

XOM is either a bargain or is grossly overvalued - depending on your view of the future value of energy (natural gas, and oil). If you think oil will soon go back to $100+ a barrel - then XOM is probably a great bargain. If you think oil will stay at around $50/barrel for the foreseeable future - t...
by jhfenton
Tue Jan 31, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Suggested Funds/ETFs for Small Cap & EM Tilt
Replies: 11
Views: 1046

Re: Suggested Funds/ETFs for Small Cap & EM Tilt

As others have stated, I would go with IJS and IEMG for small cap value US and Emerging Markets. In fact, I own these two as well since I'm at fidelity. I have decided to do something similar to you. I've gone 4 ways with my equity portion. IJS, IEMG, SCZ (small cap international), and IVV (S&P...
by jhfenton
Tue Jan 31, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 121
Views: 10877

Re: Best HSA (2017)

I definitely wouldn't hold a bond ETF at Saturna, but a once-a-year investment in an equity ETF with 4 x year dividend reinvestments would still be slightly cheaper at ($15 + $4) than a Vanguard mutual fund ($25). I plan eventually to move my employer-sponsored HSA to Saturna, but it's not worth the...
by jhfenton
Tue Jan 31, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX for a 2 fund 403b portfolio
Replies: 3
Views: 470

Re: VBILX vs VBTLX for a 2 fund 403b portfolio

VBILX is a perfectly good core or single bond holding. Many Bogleheads, perhaps even Bogle himself, prefer Intermediate Bond to Total Bond because it (1) holds relatively fewer treasuries and (2) holds no MBSs. A few folks even like that it focuses on intermediates, the "juiciest" part of ...
by jhfenton
Tue Jan 31, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Suggested Funds/ETFs for Small Cap & EM Tilt
Replies: 11
Views: 1046

Re: Suggested Funds/ETFs for Small Cap & EM Tilt

As others have stated, I would go with IJS and IEMG for small cap value US and Emerging Markets. In fact, I own these two as well since I'm at fidelity. I have decided to do something similar to you. I've gone 4 ways with my equity portion. IJS, IEMG, SCZ (small cap international), and IVV (S&P...
by jhfenton
Tue Jan 31, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: SCHZ
Replies: 2
Views: 478

Re: SCHZ

SCHZ doesn't have anywhere near the trading volume ($24 MM/day) of Vanguard's BND ($203 MM/day) or iShare's AGG ($350 MM/day), but in the grand scheme of things it is a large and liquid ETF. You should be fine buying and selling several thousand shares per day. Spreads currently average $0.02/share ...
by jhfenton
Mon Jan 30, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 4014

Re: Stocks Down - My Fault

GDBryan wrote:As of 11:30 this morning S&P 500 down 1%. It's my fault - I put in a sell order Friday for today.

Don't you just hate when that happens. :-(

It might not be too late to cancel to see if the market rebounds. :beer You're getting close to the no-cancel time of the afternoon, though.
by jhfenton
Sun Jan 29, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

2:51:03.....damn that is fast. Hope you can beat your PR this year, that is awesome. As for purchasing items. I do not think the savings rate should have anything to do with a purchase. Just because I save a bunch of cash does not mean I should spend the rest on useless junk. I am a strong believer...
by jhfenton
Sun Jan 29, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

I can actually think of very few better things to spend $400 on. There are few things I spend more time doing--other than sleeping--or thinking about other than running. Not carrying a phone or iPod is priceless. But as I've said a couple of times, I agree that fitness is its raison d'être. Sounds ...
by jhfenton
Sun Jan 29, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 807

Re: VEMAX vs DFEVX

I would go with DFEVX until you leave that job, then your 401k gets rolled into a VG IRA for the rest of your life. Over time, you will have exposure to both. Interesting thought. Is it always possible to do an in-kind rollover of a 401k DFA fund into a Vanguard IRA, upon changing jobs. (I understa...
by jhfenton
Sun Jan 29, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can (Kindle): Free Today
Replies: 10
Views: 1531

Re: If You Can (Kindle): Free Today

Bill, one quick question... should the Kindle version be showing up as free for everyone? When I look on Amazon, it only indicates that it's free under Kindle Unlimited. No mention of being free for us plebs. I see this: http://i66.tinypic.com/n39kqr.jpg If you click "Buy now…" you should...
by jhfenton
Sun Jan 29, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

Unfortunately for the Apple Watch my favorite FitBit feature is sleep monitoring and that is unavailable on the Apple Watch until battery life increases to the point you don't have to recharge it every night. From everything I have read the Series 2, especially the Nike version, it the bomb for run...
by jhfenton
Sun Jan 29, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 807

Re: VEMAX vs DFEVX

I'd go with #2. And I say that as someone who is currently #1 because I don't have #2 as an option. Why? I like DFEVX's methodology. The value tilt. The overall portfolio tilt. The lighter stake in China. VEMAX is a bit too heavy in China for my taste. I'd go with all DFEVX in my 401(k), and then if...
by jhfenton
Sun Jan 29, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

Unfortunately for the Apple Watch my favorite FitBit feature is sleep monitoring and that is unavailable on the Apple Watch until battery life increases to the point you don't have to recharge it every night. From everything I have read the Series 2, especially the Nike version, it the bomb for run...
by jhfenton
Sun Jan 29, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 807

Re: VEMAX vs DFEVX

We own lots of VEMAX in my Roth/Traditional IRAs, but I would definitely take advantage of access to DFEVX. It's a great fund.

I am officially jealous. I would be happy to have either in my 401(k), which has no usable international funds.
by jhfenton
Sun Jan 29, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

I consider myself as a tech person and feel like smart watches especially the Iwatch as a pure gimmick. Wait a couple years then decide. Ditto. Every time someone tries to explain how it benefits them, I am totally :confused as to how that particular capability actually is of any value. As a fitnes...
by jhfenton
Sun Jan 29, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Active Funds
Replies: 36
Views: 2962

Re: Vanguard Active Funds

I can't find any news either. It must have been a quiet reopen. M* still shows it as "Limited."
by jhfenton
Sun Jan 29, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

I haven't worn a watch in 2 decades. The time is available everywhere. I am able to guess the time to within 5 min if I have seen a clock in the last 2 hours. I figured this watch is just another tech doo-dad. Thanks, OP for this query. Lots of good info here. So now I'm interested in monitoring my...
by jhfenton
Sat Jan 28, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

I considered one, but didn't get it. I got a Garmin Fenix 3 HR. I love it. Awesome for workouts and you can get all the phone alerts too if you want. I bought a Garmin Fenix 3 HR when they first came out. I wanted to love it, but the GPS was the most inaccurate device I have ever used. It was barel...
by jhfenton
Sat Jan 28, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

I love my Apple Watch. I use it for fitness and while walking get all kids of messages. Even in meetings I can give it a quick glance to see if it is important enough to deal with now or later. You can buy multiple bands if so desired so you can change the look of the watch without having to buy a ...
by jhfenton
Sat Jan 28, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond split for a 35 year old
Replies: 5
Views: 549

Re: Stock/bond split for a 35 year old

I think the Vanguard Target Retirement allocations are fine (until they become too conservative in retirement). You'd barely notice any different between a 90/10 allocation and an 80/20 allocation. The fund will start gliding once you get about 20 years from retirement and glide all the way to 30/70...
by jhfenton
Sat Jan 28, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Is exchanging FSIVX for FTIPX considered a wash?
Replies: 15
Views: 1190

Re: Is exchanging FSIVX for FTIPX considered a wash?

I had to look them up on M*. FSIVX is a large cap developed markets index fund. FTIPX is a total international index fund, including emerging markets. I wouldn't hesitate to TLH between those two funds. I would not consider them anything close to substantially identical. Edited to add: I would consi...
by jhfenton
Sat Jan 28, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

To answer another one of the questions: You can customize which apps' notifications get sent to the Watch. And those that are sent are pretty subtle, just a tap on the wrist. I let every app that I let pop up notifications on my phone go to the Watch. I just limit which apps can pop up notifications...
by jhfenton
Sat Jan 28, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3985

Re: Input on Apple Watch-Buy or Not?

We were told if you use it for fitness then give it a go, pretty solid health stuff. Otherwise, mostly redundant tech and apps with iphone. Personally, I enjoy a 'regular' mechanical watch for time and style. I'll leave the tech on my phone. Just not for me. I love my Apple Watch Series 2 (gold alu...
by jhfenton
Sat Jan 28, 2017 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Year of the Rooster
Replies: 4
Views: 637

Re: Year of the Rooster

新年好!恭喜发财!

Happy New Year! May you have a prosperous New Year!
by jhfenton
Sat Jan 28, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Are 401k matches negotiable?
Replies: 3
Views: 537

Re: Are 401k matches negotiable?

These terms are set in a legal document applicable to all employees. Not negotiable on an individual level. This is correct. A plan cannot make exceptions to its terms on a case-by-case basis. At a small company, you could perhaps negotiate a plan amendment, but it would apply to all covered employ...
by jhfenton
Fri Jan 27, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 121
Views: 10877

Re: Best HSA (2017)

I think SelectAccount is the best deal for HSA's now. But you can compare hundreds of HSA's on hsasearch.com SelectAccount seems interesting, first I've heard of it. Do you have it? If I understand it, once your account balance is over $10k, you can keep $1000 in cash, and then the rest in a self d...
by jhfenton
Fri Jan 27, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2083

Re: Warning: Max out 401k early - lose some of the match

I have the same issue, but until I ran across discussions on here, I wasn't aware that any companies did a true up. I've always assumed it was my responsibility to manage, because it always has been. And with quarterly bonuses that vary slightly based on company results, I won't know if I needed 16....
by jhfenton
Fri Jan 27, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4703

Re: "Don't Overcomplicate Your Portfolio"

When you get to the point where you have two or three or four accounts, like: ⋅ Traditional IRA ⋅ Roth IRA ⋅ 401(k) ⋅ Taxable account Then you need to think about: ⋅ Which asset classes are best for each account type? ⋅ Which funds are ava...
by jhfenton
Thu Jan 26, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4703

Re: "Don't Overcomplicate Your Portfolio"

The key part of that is " over complicate." Some folks do best with a one-fund portfolio: Target Retirement. Many Bogleheads like the classic Larimore three-fund. I like my simple nine-fund portfolio: 3 x US, 3 x Intl, 3 x Bond. Every fund brings something to the table that I wouldn't get ...
by jhfenton
Thu Jan 26, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Settlement fund dividend?
Replies: 6
Views: 737

Re: Vanguard Settlement fund dividend?

Interest from the Federal Money Market settlement fund in a taxable account is taxable. But there's usually not very much of it. :beer You don't have to worry about tax lots or capital gains with the Federal Money Market because it maintains a fixed $1.00/share price. Buy a dollar, sell a dollar. No...

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