Search found 191 matches

by PB
Sat Dec 17, 2011 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Ditto on the LOL. Let's just agree to disagree. You say my request is pickles on the side. I ordered a half-pounder and they gave me a quarter-pounder. Where's the beef? :D
by PB
Sat Dec 17, 2011 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

I understand, Investor.Saver, but you actually underscored my most important point of all. Namely: that Vanguard apparently wants us to give up and buy all Vanguard funds. You did, and maybe I will some day. But it's disappointing to say the least. And I resent it. Anyway, my thanks again to everyon...
by PB
Sat Dec 17, 2011 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

PS: they already have the detailed fund transactions and reporting capability in their system. That's obvious. So it wouldn't be that expensive to enable online reporting. Consequently, I don't buy the cost issue either.
by PB
Sat Dec 17, 2011 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

I say this with a smile... because yes, I can transfer to another brokerage, and I just might. But I will not back down on the principle. Even by Vanguard's philosophy, a long-term POV, is it unreasonable for me to want to look at my funds individually, say on an annual basis? If I have five Vanguar...
by PB
Sat Dec 17, 2011 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

I understand, RadAudit. I'm not losing sleep over it and I certainly won't lose my serenity over it. But I will not defend Vanguard on this one. It's not too much to ask and it's actually inconsistent with their values. Low cost is one thing -- designing their system to penalize shareholders for pur...
by PB
Sat Dec 17, 2011 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Just to be clear: There are two types of 'external' investments: 1. Investments held in brokerages other than Vanguard. I opened my Vanguard account over a year ago, and Vanguard does not allow me to electronically link to these investments held at other brokers. In addition, while they do allow me ...
by PB
Sat Dec 17, 2011 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Thanks, tgb. I appreciate your substantive response and those of many others too. It has helped to vent and who knows, maybe Vanguard's listening. In any event, it's not the biggest deal (in the large view of things) and I will find my way through.

Thanks again everyone.
by PB
Fri Dec 16, 2011 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

First, thanks MajorMajor - I appreciate your time and support. DSInvestor: I understand that cost-basis doesn't apply for tax-deferred accounts. But that's the point: because Vanguard doesn't allow you to track non-Vanguard funds via the Performance Tab, the only place to do it is through the cost-b...
by PB
Fri Dec 16, 2011 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

MajorMajor: I'm not talking about funds held at other brokerages. I'm talking about non-Vanguard funds purchased via my Vanguard account and held in my Vanguard account. That's what gets me. You said: Vanguard has a system that allows users to track the value of accounts and funds held at other brok...
by PB
Fri Dec 16, 2011 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Thank you, Gordon. For your respectful, non-personal disagreement.
by PB
Fri Dec 16, 2011 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Well... have to say I'm a bit surprised... initially people were defending Vanguard's system, now we're heading to "get the hell out of Vanguard brokerage!" And truth be told, I probably will bail. It angers me that Vanguard treats people this way. They could easily tweak the system, but obviously t...
by PB
Fri Dec 16, 2011 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Here's the point: I believe strongly in Vanguard's values, philosophy and spirit. I value Vanguard's low-cost, non-profit model. I love many of Vanguard's funds, and well over 70% of my portfolio is in Vanguard funds. And I deeply value the wisdom and generosity of this forum. But I expected better ...
by PB
Fri Dec 16, 2011 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

I disagree, Livesoft. It makes no sense that I should have to manually enter every single transaction into a separate system, then standby while Vanguard - not MSmoney - reports to the IRS.
by PB
Fri Dec 16, 2011 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Poll re Vanguard's Handling of External Funds
Replies: 3
Views: 338

Re: Poll re Vanguard's Handling of External Funds

My other brokers treat all funds exactly the same. For example, Wells Fargo does not provide better tools for their Wells Mutual Funds. They provide the same tools for all funds, both internal and external to Wells. Same for Schwab. They may have commission incentives and such, but in terms of onlin...
by PB
Fri Dec 16, 2011 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

I'm sorry, dbr, I don't agree. Any holding that can be traded, can be tracked. And again, Vanguard is my broker. They are not Mint.com, or Quicken.com. They are my broker, and my IRA custodian. So I hope you're not saying that Vanguard's IRS reporting could be inaccurate. Because if their IRS report...
by PB
Fri Dec 16, 2011 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Poll re Vanguard's Handling of External Funds
Replies: 3
Views: 338

Poll re Vanguard's Handling of External Funds

I'm interested in how members feel about Vanguard's online system, and specifically, their handling of external (non-Vanguard) funds in separate brokerage accounts. When it comes to tracking external funds, are you satisfied with their system?
by PB
Fri Dec 16, 2011 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Thank you, greg24 and SpringMan. You make me feel a little less crazy ~
by PB
Fri Dec 16, 2011 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

But Vanguard is my broker! And yet you're saying it's OK for my broker to treat non-broker funds in second-rate fashion? I know of no other broker who does this-- and I've personally used Wells and Schwab, and they treat all funds the same.
by PB
Fri Dec 16, 2011 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

Thanks, dbr. But I'm going to say it again: it's simply not cool that the system would (1) force shareholders to use a second system, (2) force shareholders to manually enter into a second system (which increases not decreases the risk for error), and (3) forces shareholders to reconcile two systems...
by PB
Fri Dec 16, 2011 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Re: Complaint re Vanguard's System and Request for Help

So Livesoft, you're saying you're satisfied with Vanguard's system?

To me, it's satisfying only if I invest totally in Vanguard funds, which is simply not cool.
by PB
Fri Dec 16, 2011 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Complaint re Vanguard's System and Request for Help
Replies: 47
Views: 2905

Complaint re Vanguard's System and Request for Help

It appears that Vanguard's online system is quite poor when it comes to managing and tracking external (non-Vanguard) funds. This is not only frustrating, but questionable given that Vanguard is the custodian of record. For examples: (1) Vanguard's Performance Tab does not allow me to select individ...
by PB
Sun Nov 27, 2011 8:07 pm
Forum: Investing - Theory, News & General
Topic: What would a so-called bonds 'meltdown' look like?
Replies: 59
Views: 3762

Re: What would a so-called bonds 'meltdown' look like?

Thank you very much for the substantive replies. I appreciate the link to the other discussion, and Nisiprius, I think you're validating -- clarifying, actually -- my basic belief: that if you don't reach for yield with long-term funds, and don't panic when prices start to fall, the so-called "burst...
by PB
Sun Nov 27, 2011 2:50 pm
Forum: Investing - Theory, News & General
Topic: What would a so-called bonds 'meltdown' look like?
Replies: 59
Views: 3762

What would a so-called bonds 'meltdown' look like?

Forgive me if this is an inappropriate question for the board, but more than one "expert" has suggested that bonds are in a bubble, and that in any event, they're in for a rough ride in the not too distant future. I'm not sure I understand everything about how bond funds work, so my question is two-...
by PB
Tue Nov 08, 2011 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund analyzer
Replies: 8
Views: 1119

Re: Bond Fund analyzer

Vanguard's system allows you to enter funds held in external accounts, and Portfolio Watch will analyze them together with your Vanguard funds. The Performance tab does not include external funds, but the Watch does. So if you had, say, 2 Vanguard Bond funds and 4 external bond funds, it would analy...
by PB
Mon Nov 07, 2011 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund analyzer
Replies: 8
Views: 1119

Re: Bond Fund analyzer

I should also say that if you have a Vanguard account, they have a Portfolio analyzer (Portfolio Watch) that allows for simple analysis of all your bond funds. Not sure what the firms offer, but here's a sample of the main page, and then you can click into slightly more detailed analyses:
by PB
Mon Nov 07, 2011 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund analyzer
Replies: 8
Views: 1119

Re: Bond Fund analyzer

Vanguard's site has decent bond fund info. For example, here's a link to their Total Bond Index Fund VBMFX. You can click on the 'Portfolio and Management' tab to get even more detailed info: https://personal.vanguard.com/us/funds/snapshot?FundId=0084&FundIntExt=INT They also have decent info on non...
by PB
Thu Sep 08, 2011 4:52 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

Thanks Jay, glad you found what you were looking for.
by PB
Thu Sep 08, 2011 3:49 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

Do you know how to get M* to show total return, with dividends?

Whenever I compare on their chart, it always shows the market price change (the 4%+), not the total return (6%+).

Thanks.
by PB
Thu Sep 08, 2011 3:34 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

The only I know that comes close is Bloomberg. - Click on the link below, which takes you to BND First, notice under Performance that they give you the total YTD growth, the 6.56% we know includes dividends. Bloomberg is very useful in this regard. For the chart: - Click on the Interactive Chart lin...
by PB
Thu Sep 08, 2011 2:38 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

Does this (long) link work for you? Took it straight from their feature for sharing links: http://quote.morningstar.com/ETF/chart.aspx?t=BND®ion=USA&culture=en-US&statePara=%7Btickers%3A%22ARCX%3ABND%22%2Ccolors%3A%220%7C%22%2CchartType%3A%22fivedays%22%2Crange%3A%222011-9-1%7C2011-9-8%22%2CmcTyp...
by PB
Thu Sep 08, 2011 2:34 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

One last thought... it looks to me like M* is showing the yield for BND as 3.20%. While Vanguard shows 2.39%. A big difference, actually, and an example of why I always go back to Vanguard for any final calculations. Just seems safest in terms of using the most accurate, up-to-date info available.
by PB
Thu Sep 08, 2011 2:21 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

Cool, Jay. And here's the link to the M* BND chart. If you don't see the chart, click on one of the time periods, like 'YTD' (it's a bit buggy on my computer too):

http://quote.morningstar.com/ETF/chart. ... ture=en-us
by PB
Thu Sep 08, 2011 1:42 pm
Forum: Investing - Theory, News & General
Topic: Help with a growth chart
Replies: 17
Views: 1470

I'm still learning myself, but it looks to me like the share price itself has gone up approx 4.3% YTD, and the remaining increase to 6.57% is the dividend (2.39%). First, the dividend is stated right at the top of the Vanguard page you provided -- the 'SEC Yield' of 2.39%: https://personal.vanguard....
by PB
Tue Aug 23, 2011 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Website that graphs total returns for index funds?
Replies: 18
Views: 6344

I'm pretty sure Morningstar's 'Quick Take' Performance Chart does what you want. It shows Total Returns for up to 15 years, and here's their definition of Total Return: Total Return Expressed in percentage terms, Morningstar's calculation of total return is determined by taking the change in price, ...
by PB
Tue Jul 26, 2011 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing w/ the great unknown for the next week
Replies: 5
Views: 1153

I had similar concerns, and there was a mostly thoughtful discussion last night. Especially as more people commented:

http://www.bogleheads.org/forum/viewtopic.php?t=79041
by PB
Mon Jul 25, 2011 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the only one getting nervous about U.S. default?
Replies: 70
Views: 8697

Thanks everyone. Most of the comments have been very thoughtful. I'm very conservative (as you might have guessed ;-) ) over 50% bonds, so I'm nervous. But right now, I'm leaning towards letting my current investments be. However, I have cash from a CD that just matured and I'm going to hold onto it...
by PB
Mon Jul 25, 2011 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the only one getting nervous about U.S. default?
Replies: 70
Views: 8697

Unfortunately, if it happens, most observers are saying the impact on world markets would be sizable too.
by PB
Mon Jul 25, 2011 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the only one getting nervous about U.S. default?
Replies: 70
Views: 8697

Thanks - appreciate the thoughtful comment.
by PB
Mon Jul 25, 2011 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the only one getting nervous about U.S. default?
Replies: 70
Views: 8697

Am I the only one getting nervous about U.S. default?

If not, are you actually doing anything defensive, and if so, what? (please be specific).

Otherwise, appreciate short comments encouraging staying of the course.

Thanks in advance.

Patrick
by PB
Thu May 12, 2011 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Nav vs Market Price - VXUS vs VGTSX
Replies: 2
Views: 584

Thanks, David. It's just weird that, according to charts on Google Finance at least, there's a .5% difference for the past 6 months, too.

VGTSX: +4.12%

VXUS: +4.67%

Strikes me that you can't presume they're the same, because .5% is nothing to sneeze at. And VXUS is cheaper!
by PB
Thu May 12, 2011 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Nav vs Market Price - VXUS vs VGTSX
Replies: 2
Views: 584

Nav vs Market Price - VXUS vs VGTSX

I'm a relative newbie and curious as to why today's Total International ETF (VXUS) performed so differently than the Total International Fund (VGTSX)? The ETF was up .37% and the fund was down -.18%. Vanguard presents them as essentially the same, yet over a .50% difference? Appreciate any clarifica...
by PB
Tue Mar 01, 2011 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2039

And even when you don't change it to one day, the number shows 0.19%, but the chart itself shows a big drop!!
by PB
Tue Mar 01, 2011 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2039

Thanks everyone. I trust that the New York Times and Google are messed up; wouldn't be the first time...

And while I hate to confirm the S&P was down big today too, at least it all makes sense.

Thanks again -
by PB
Tue Mar 01, 2011 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2039

Weird, Google Finance says 0.19% too:

http://www.google.com/finance
by PB
Tue Mar 01, 2011 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2039

Thanks, but what am I missing? Here's the NY Times results, and it says .19%:

http://markets.on.nytimes.com/research/ ... erview.asp
by PB
Tue Mar 01, 2011 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding Total Stock Market Index Up's and Down's?
Replies: 19
Views: 2039

Help understanding Total Stock Market Index Up's and Down's?

Hey everyone, I'm still a relative newbie, own a good chunk of Vanguard's Total Stock Market Index. Usually when I look at the Index relative to the majors, it always tracks much more closely to the S&P 500, than to the Dow or Nasdaq. Which makes sense given how many companies the S&P tracks compare...
by PB
Thu Jan 20, 2011 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain today's Total Stock Mkt Idx performance?
Replies: 9
Views: 1540

I think you're right -- just checked the summary and it appears they cut the sentence on small/large caps. Here's a link to the current summary: http://markets.on.nytimes.com/research/markets/overview/overview.asp Now if what goes down would just come up ;-) In any event, once again this forum rocks...
by PB
Wed Jan 19, 2011 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain today's Total Stock Mkt Idx performance?
Replies: 9
Views: 1540

See, I don't understand that: Vanguard small caps down 2.20, but here's the Times Market Summary stating that while down, small caps did better than large: Market Summary At 4:06 PM ET: Stocks fell today as declining issues outpaced advancing issues on the NYSE by 3.4 to 1. Small-cap stocks outperfo...
by PB
Wed Jan 19, 2011 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain today's Total Stock Mkt Idx performance?
Replies: 9
Views: 1540

Can anyone explain today's Total Stock Mkt Idx performance?

I'm a relative newbie, and don't quite understand how the Total Stock Mkt Index works. Today the S&P - large cap - was down 1.0 percent. And yes, the Nasdaq was down 1.46%. But the Times said small stocks did better than large cap, yet the Total Stock Index was down 1.2%? Is Vanguard's Total Stock M...
by PB
Sun Dec 19, 2010 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Equities aside, if cash now, would u invest in bond funds?
Replies: 27
Views: 2519

Thanks, Harold. I appreciate your thoughtful response.

May I ask what bonds you've been buying throughout the year? In other words, if I do buy, I'm thinking about 65% Short-Term Investment Grade, and 35% TIPS. Thoughts?