Search found 2274 matches

by jhfenton
Sun Dec 03, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2202

Re: Vanguard Total Corporate Bond ETF (VTC)

If one does not use ETFs, the Intermediate Investment Grade Fund (VFIDX) has nearly 70% corporates with a duration of only 5.5 years. It has a superior total return than other Vanguard intermediate bond funds with a vanguard risk rating of only 2. It is useful to increase one's ownership of corpora...
by jhfenton
Sun Dec 03, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: retirement age and life span
Replies: 16
Views: 1167

Re: retiirement age and life span

Those numbers don't pass the smell test and the conclusion is facile.
by jhfenton
Sun Dec 03, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 22
Views: 2860

Re: Podcasts for Bogleheads?

I listen to two investing podcasts: Masters in Business and The Meb Faber Show, both already mentioned. I have a couple Vanguard podcasts in my feed, but they haven't posted anything in a while. The other podcasts I subscribe to are non-finance. Edited: Animal Spirits, mentioned above, looks interes...
by jhfenton
Sun Dec 03, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: AA based on recent market performance and pre-determined target
Replies: 29
Views: 1676

Re: AA based on recent market performance and pre-determined target

gilgamesh wrote:
Sun Dec 03, 2017 10:39 am
This is good...forget about evaluating each year, just in terms of final goal...I like it!....thanks!
+1 I follow KlangFool's strategy too. I have a formula that adjusts my target asset allocation based on the value of our portfolio in relation to my portfolio target.
by jhfenton
Sun Dec 03, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: how can an index fund outperform its index??
Replies: 6
Views: 1092

Re: how can an index fund outperform its index??

thanks! yeah I couldn't find anywhere in the prospectus that it changed index's. the two prospectus' for IJS and SLYV also state that the index they tracked had different returns since 2000, even though they are the same index... I don't know. anyhow after those first two years they've been basical...
by jhfenton
Sun Dec 03, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4663

Re: A " Bond Tent" During the "Retirement Red Zone?"

The basic concept is something I'll likely consider as we get close to our target retirement date and for the period between retirement and taking our SS at age 70. Assuming we want to retire at age 62 (currently 47), we'll be looking at a period of maybe 10 years of heightened risk, from 60-70. The...
by jhfenton
Sun Dec 03, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: how can an index fund outperform its index??
Replies: 6
Views: 1092

Re: how can an index fund outperform its index??

I just noticed that the ETF SLYV has outperformed its small value index by >1.5%/year since inception (9/25/2000)... how is that possible? the prospectus says it seeks to match the index, before fees. did it just get "lucky" or is it setup to try and beat it's own index? Thanks! It's interesting. T...
by jhfenton
Sun Dec 03, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6823

Re: Vanguard customer service reps need some training

I don't think the OP's triple transaction can be done online in a single day. That's because after 25% is moved, the 45% and 30% become different, namely the original 45% is 60% of the remaining shares and the remaining 30% is 100% of those remaining shares. I don't think the web site is programmed...
by jhfenton
Sun Dec 03, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3141

Re: I'm 100% international with VEU. Is this wise?

Right now, I think it is more rational to exclude US stocks than to exclude foreign stocks. But neither approach is wise. +1 I've steadily increased my international allocation over the last 20 years from 25% to 30% to 40% to 50%. And after the post-election run up in the U.S. late last year, I tac...
by jhfenton
Sat Dec 02, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2202

Re: Vanguard Total Corporate Bond ETF (VTC)

Personally, for control reasons only, I'm trying to decide on how to break apart a piece of TBM. At first I was thinking of breaking it down into BSV, BIV, BLV (ST, IT, LT bond funds), but then when this ETF was introduced I was wondering if it would be better to divide it TBM into Treasury/Corpora...
by jhfenton
Sat Dec 02, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund gender diversity and climate focus
Replies: 9
Views: 1092

Re: Wellesley Fund gender diversity and climate focus

I would put this in the category of active manager risk. There is always the possibility with an active manager that the focus of a fund may change or considerations may be introduced that you don't agree with.
by jhfenton
Sat Dec 02, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1181

Re: Best HSA custodian for my situation

I have an individual account not through an employer. It was merged from Wells Fargo so it might be different than current offerings. I only have $1k in the cash part. I wouldn't compare a money market to a bond fund. They are not the same. BND returned returned -2% in 2013 and .39% in 2015. It can...
by jhfenton
Sat Dec 02, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1181

Re: Best HSA custodian for my situation

I have Optum and pay no admin fees. I have it invested in the TSM. It was a converted account though from Wells Fargo. Many HSAs you will pay fees if you have a low balance (often under $5k). I would not worry too much about the fees the first year and concentrate on the fees over 5-10 years if you...
by jhfenton
Sat Dec 02, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1181

Re: Best HSA custodian for my situation

You mean you pick Lively ? That is great they take the fee outside of the account. I did pick Lively. Their new investment option appearing in October was perfect timing for me. I had just decided that with the fee increase at my employer-sponsored HSA that I should move the money. (The fee was $2/...
by jhfenton
Sat Dec 02, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44976

Re: Fellow TDA bogleheads

There's several SPDR® Portfolio funds. The SPDR® Portfolio site is currently "down for maintenance." :? Up for me at the moment. Here's a list, though I didn't check if all are free at TDA: https://us.spdrs.com/en/strategies/spdr-portfolio-low-cost-etfs/view-all-spdr-portfolio-etfs It is back up no...
by jhfenton
Sat Dec 02, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5150

Re: How do I convince my employees to invest more?

I would offer a short annual educational session reminding folks about the free money you're offering and throwing in the standard exhortations about the power of compounding and the limitations of SS benefits. Maybe do a survey and ask folks what would inspire them to take advantage of the free mon...
by jhfenton
Sat Dec 02, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1358

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

1-year treasuries are yielding 1.62% and they trade free at most places. I wouldn't sacrifice the liquidity of treasuries for the extra yield with a CD if you are going to hold it to maturity. Six months ago CDs and savings accounts had an edge over treasuries at the short end of the yield curve, t...
by jhfenton
Sat Dec 02, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: PSA: consider pre-paying your property taxes and January mortgage payment
Replies: 21
Views: 2649

Re: PSA: consider pre-paying your property taxes and January mortgage payment

I'm thinking about bunching some charitable deductions into this year because it seems clear that we will not be able to itemize deductions in 2018. Through payroll deduction at work, I always pledge and donate to United Way. I'm going to talk to HR about dropping the payroll deduction and just maki...
by jhfenton
Fri Dec 01, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Low balance in Vanguard Federal Money Market Fund....
Replies: 4
Views: 608

Re: Low balance in Vanguard Federal Money Market Fund....

We have 5 Vanguard MM sweep accounts with a total of $0.01. :beer 3 of our 5 accounts regularly end up with stray pennies, most often due to MM interest on unsettled cash. (Buy an ETF, and then sell a mutual fund or transfer cash from a bank. You end up with one or two days of MM interest on the cas...
by jhfenton
Fri Dec 01, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1181

Re: Best HSA custodian for my situation

As I've posted in the big Lively thread, I've been very happy so far in my 6 weeks their. Their online application is easy as pie, and their customer service is very responsive. And while I would have preferred Vanguard ETFs, I am fine with the SPDR Core Portfolio ETFs. In my case, I'm using SPEM (...
by jhfenton
Thu Nov 30, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1181

Re: Best HSA custodian for my situation

As I've posted in the big Lively thread, I've been very happy so far in my 6 weeks their. Their online application is easy as pie, and their customer service is very responsive. And while I would have preferred Vanguard ETFs, I am fine with the SPDR Core Portfolio ETFs. In my case, I'm using SPEM (E...
by jhfenton
Wed Nov 29, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12173

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

As for the original discussion, I am curious to see how the value and multi-factor portfolios look as constructed. I currently own VLUE, an iShares sector-neutral value fund at 15 bp. It's the only non-Vanguard fund I hold at Vanguard. I'm sceptical that I will find the Vanguard funds more attractiv...
by jhfenton
Wed Nov 29, 2017 7:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12173

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

There's not a whole lot of difference there guys. Sometimes green wins and sometimes orange wins. :beer The same is even true if you throw Vanguard Mid-Cap Value Index into the mix. (But it's not small cap!) Rolling 36-month returns: https://s33.postimg.org/dhkx15v4v/Snip_Image.jpg Growth of $10,00...
by jhfenton
Wed Nov 29, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12173

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

In any case the low trading volume of VIOV makes it unusable in my opinion. Unless you're buying and selling six figures, VIOV trades well enough. I buy (and have never sold) a handful of shares a month in taxable, and spreads are reasonable. I can usually get execution somewhere inside the $0.10 s...
by jhfenton
Wed Nov 29, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2887

Re: Don't leave your mac unattended! It has zero security now.

As far as we know, only applies to High Sierra. How many people here running High Sierra? If you are, set root password until patch is issued. Problem solved. The biggest pita will likely be to school network administrators and Apple store employees because every 14 year old is going to go out and ...
by jhfenton
Wed Nov 29, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12173

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Most of the factor nuts here (myself included) prefer IJS/VIOV, the S&P600 Value index etfs, to VBR for purer exposure to both Value and Small. Why don't you? VIOV is definitely smaller than VBR/VSIAX, but it's only slightly more value-y or not at all depending on what measure of value you use. So,...
by jhfenton
Wed Nov 29, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: How much would you pay to have an HSA? [Health Savings Account]
Replies: 2
Views: 419

Re: How much would you pay to have an HSA? [Health Savings Account]

HSA-compatible plan: $400/month premium cheapest plan (non-HSA-compatible): $270/month premium If the plans had comparable out-of-pockets, I agree that I wouldn't pay $130/month more just to have an HSA. I'd opt for the cheaper plan and put the savings in a taxable account. In most cases, it's the ...
by jhfenton
Wed Nov 29, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2887

Re: Don't leave your mac unattended! It has zero security now.

It's a bad bug, but just set a password for root and you can leave your mac unattended.
by jhfenton
Tue Nov 28, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Headphones for iPhone
Replies: 10
Views: 1196

Re: Headphones for iPhone

I love the AirPods. Lightweight, they stay in your ear, and you don’t have to think about charging them as the case is the charger! They also charge quickly. They are pricey, however. I love my AirPods. I run in them every day (except when I bike in them). They are my favorite gadget that I own. (I...
by jhfenton
Mon Nov 27, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33383

Re: Bonds - Throw it all on the table!!!

Of course, as I said, most of the outperformance was in 2008-2009, which was before I invested in the fund. Go to the M* chart and expand the time to 1990. The PIMCO fund outperformed most of the time. Agree the greatest outperformance was during the Lehman period but that may say something about a...
by jhfenton
Mon Nov 27, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7839

Re: CNBC says Vanguard says 70% Chance of "Correction"

I am disappointed by Vanguard for such a lousy inaccurate statement. My calculation says that there will be 100% chance of correction, I just do not tell you when and how much. +1 That is always my response when asked. Of course there will be a correction…at some point. Tomorrow? Next week? Next mo...
by jhfenton
Mon Nov 27, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5730

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

i was wondering what the outcome of the proxy vote was. While it may not be final, preliminary results seem to be found here: https://about.vanguard.com/proxy/Summary.pdf https://about.vanguard.com/proxy/Vanguard-shareholders-elect-trustees.pdf https://about.vanguard.com/proxy/ So what does this me...
by jhfenton
Mon Nov 27, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33383

Re: Bonds - Throw it all on the table!!!

I've made peace with it. It has performed well enough, despite the expense ratio (which they recently raised from 46 bp to 51 bp). (They raised the fee 5 bp across most of their bond funds. It was strange enough that M* called them out on it.) You missed the point. PTTRX outperformed Vanguard's TBM...
by jhfenton
Sun Nov 26, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5730

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Checked my mail and noticed the voting mail, but it's too late to vote as I am a little late. Was it pretty important? We are voting for a new fund manager right. and what are the results should we pay attention to thsoe. All of the funds received enough votes for a quorum. All recommended Vanguard...
by jhfenton
Sun Nov 26, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets rolling over 401k to Vanguard IRA?
Replies: 20
Views: 1599

Re: Any regrets rolling over 401k to Vanguard IRA?

The money was out of the market 1 day (2 nights). It was a six-figure account, so I was glad the transfer was electronic. Understanding how my transfer may occur would be a good consideration. thanks for mentioning this. I'd be reluctant to roll a large 401(k) directly over to Vanguard simply becau...
by jhfenton
Sun Nov 26, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets rolling over 401k to Vanguard IRA?
Replies: 20
Views: 1599

Re: Any regrets rolling over 401k to Vanguard IRA?

We've always rolled our 401(k)s to IRAs. We've yet to have a 401(k) with investment options as attractive as we can get on our own, so we've never hesitated. In my wife's case, we've done two 401(k) rollovers in the last few years. The first we did from a Schwab-custodied 401(k) to TD Ameritrade. TD...
by jhfenton
Sun Nov 26, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33383

Re: Bonds - Throw it all on the table!!!

PTTRX (PIMCO Total Return Institutional) (401(k)) (only bond fund in 401(k)) Oh it's terrible that PTTRX is the only bond fund available. :D :beer I've made peace with it. :D It has performed well enough, despite the expense ratio (which they recently raised from 46 bp to 51 bp). (They raised the f...
by jhfenton
Sat Nov 25, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33383

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in 2) In which account what fixed income securities are held 3) Allocation as a percentage of Fixed Income 4) Allocation to bonds overall (i.e. age in bonds, etc.) 5) Any other plans such as adding more bonds funds, consolidating ...
by jhfenton
Sat Nov 25, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3657

Re: Should I keep the new iPad I bought or return it?

Count me in the "I use it constantly" camp. I use my iPad Air 2 every day to read. I use it for light web browsing. I use it for language study (especially for Chinese, where the characters are often too small on my phone). I use it for playing music in the background. I use it for watching videos. ...
by jhfenton
Sat Nov 25, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17404

Re: The fallacy of spending money on "experiences" vs hard assets

Mind you, my wife has accused me of being the worst vacationer in the world as I get bored after about 3 days. I'm not a relaxation vacationer. The idea of spending money to go sit on the beach seems absurd. But real travel, exploring foreign countries, hiking through mountains, running marathons i...
by jhfenton
Sat Nov 25, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Bond fund duration(s) in retirement
Replies: 16
Views: 1357

Re: Bond fund duration(s) in retirement

So wouldn't it be simpler, and almost as effective for total return, to simply have ONE (IT) bond fund in retirement? I'll probably keep the same fixed-income mix in retirement that I have now (minus the PIMCO Total Return in my 401(k)): munis, intermediate treasuries, intermediate corporates, shor...
by jhfenton
Sat Nov 25, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3360

Re: HSA: "Pay out of pocket" vs Withdraw math problem

That logic would work fine if not for the extra expenses associated with the HSA investment vehicles. I am not aware of any HSA that allows investments into Boglehead-like accounts without a surcharge... I pay $30/year (paid from outside the HSA) to invest my HSA through Lively+TD Ameritrade. It's ...
by jhfenton
Sat Nov 25, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5272

Re: Etiquette question: going out to dinner with friends and how to split the bill

I only see two acceptable options: 1. Separate checks. 2. Self-splitting and payment for actual costs incurred plus own portion of tip. Splitting a tab equally regardless of what was ordered would never have occurred to me, nor has anyone ever been rude enough to suggest it. (I don't drink anything...
by jhfenton
Sat Nov 25, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5272

Re: Etiquette question: going out to dinner with friends and how to split the bill

I only see two acceptable options: 1. Separate checks. 2. Self-splitting and payment for actual costs incurred plus own portion of tip. Splitting a tab equally regardless of what was ordered would never have occurred to me, nor has anyone ever been rude enough to suggest it. (I don't drink anything ...
by jhfenton
Fri Nov 24, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Index Missing Big Names
Replies: 31
Views: 4271

Re: Emerging Markets Index Missing Big Names

I noticed recently that Vanguard Emerging Markets Index Fund/ETF does now include a small stake in Alibaba and Baidu. They seem to be at about 25% weighting compared to iShares comparable IEMG ETF, but they are there. (Alibaba is 3.53% of IEMG and 0.94% of VEMAX/VWO. Baidu is 1.12% of IEMG and 0.30%...
by jhfenton
Fri Nov 24, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1535

Re: Which model treadmill to buy

Not sure how you established your budget, but if you will actually use it, you may want to spend more. Maybe consider visiting a local specialty store and buy a floor model or a closeout version of last year's model. That's what happened to me. :beer I started out planning to spend under $1,000. Th...
by jhfenton
Fri Nov 24, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3360

Re: HSA: "Pay out of pocket" vs Withdraw math problem

LimeJello wrote:
Fri Nov 24, 2017 6:01 pm
I’m pretty sure at age 65 you can withdraw tax free for any reason.
You can withdraw penalty-free for any reason at age 65. Normal income taxes still apply if the withdrawal is not a reimbursement of medical expenses.
by jhfenton
Fri Nov 24, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3360

Re: HSA: "Pay out of pocket" vs Withdraw math problem

just started an HSA this year but thinking it really doesn't work for me since I'm two years from retirement. In your situation, I'd just use the HSA for the tax deduction and pay current expenses as they arose. If nothing else changes--like my wife having the employer-sponsored HSA deductions inst...
by jhfenton
Fri Nov 24, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3360

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Most HSAs have an expense associated with them that is greater than say, an IRA. Using the HSA as an IRA substitute (non-medical expenses) should be a last resort. 1. I assume those of us advocating HSA's as an additional retirement savings vehicle are already maxing out our (Roth) IRAs and 401(k)....