Search found 4169 matches

by natureexplorer
Thu Sep 24, 2009 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Tax-free bond decision
Replies: 22
Views: 4072

Valuethinker, thanks! I wish there were an easy way to compare the Vanguard bond funds with all those parameters (yield to maturity, maturity, duration, number of bonds, expense ratio, some application of the 15 or 20 basis point rule, etc) sortable next to each other. It seems like one has to do a ...
by natureexplorer
Thu Sep 24, 2009 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Tax-free bond decision
Replies: 22
Views: 4072

On a related note, how should I chose a bond fund in terms of maturity? If I know I will not need the money for at least 10 years, should I get a bond fund with a maturity of 10 years assuming its yield is higher? Or how does it work?
by natureexplorer
Thu Sep 24, 2009 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax-free bond decision
Replies: 22
Views: 4072

Does anyone have a spreadsheet or website that compares the various taxable and tax-exempt Vanguard bond funds? One that maybe incorporates a tax rate and a feature that allows applying this 15 or 20 basis point rule?
by natureexplorer
Wed Sep 23, 2009 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-free bond decision
Replies: 22
Views: 4072

Jason, Op, thanks!
by natureexplorer
Wed Sep 23, 2009 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-free bond decision
Replies: 22
Views: 4072

for every year increase in duration you must receive at least 15 basis points more in yeild to compensate for the increased risk. In the case of limited term vrs intermediate term tax exempt the math looks like this: increase in duration is 3.6 yrs ( 6.3 yrs- 2.7yrs ). 3.6 X .15 = .540. Add this re...
by natureexplorer
Wed Sep 23, 2009 11:33 am
Forum: Personal Consumer Issues
Topic: How to get a prenup?
Replies: 72
Views: 9314

by natureexplorer
Tue Sep 22, 2009 7:56 pm
Forum: Personal Consumer Issues
Topic: How to get a prenup?
Replies: 72
Views: 9314

by natureexplorer
Tue Sep 22, 2009 6:41 pm
Forum: Personal Consumer Issues
Topic: How to get a prenup?
Replies: 72
Views: 9314

by natureexplorer
Tue Sep 22, 2009 6:17 pm
Forum: Personal Consumer Issues
Topic: How to get a prenup?
Replies: 72
Views: 9314

How to get a prenup?

by natureexplorer
Fri Sep 18, 2009 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Hartford 401k - Expensive Bond Fund vs. Cheap S&P 500 Fu
Replies: 14
Views: 3174

Thanks for the many replies. Sounds like I should still put the money into a bond fund, despite them being more expensive. At what expense ratio is the limit though? From morningstar.com, I gathered the following information. Sound like to me the Hartford Total Return Bond R4 is the least bad option...
by natureexplorer
Fri Sep 18, 2009 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Hartford 401k - Expensive Bond Fund vs. Cheap S&P 500 Fu
Replies: 14
Views: 3174

You can find out more about these funds by reading the prospectus that is available online at your 401(k) web site. You can also use any of the finance web sites like finance.yahoo.com finance.google.com morningstar.com investor.msn.com, etc to do research. Thanks I found the information I wanted o...
by natureexplorer
Fri Sep 18, 2009 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Hartford 401k - Expensive Bond Fund vs. Cheap S&P 500 Fu
Replies: 14
Views: 3174

In your tax bracket, I would be surprised if the Roth 401(k) is the right choice. I found that when I was in the 33% tax bracket, that the traditional 401(k) was the hands down winner for me because I would save 33% on taxes while contributing and would be able to withdraw while in the sub-10% tax ...
by natureexplorer
Fri Sep 18, 2009 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Hartford 401k - Expensive Bond Fund vs. Cheap S&P 500 Fu
Replies: 14
Views: 3174

livesoft wrote:If I understand correctly, you want 100 - age in bonds? Usually it is 100 -age in stocks. Please clarify.
You are right, sorry, I corrected it above. 30% for bonds if my target.
by natureexplorer
Fri Sep 18, 2009 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Hartford 401k - Expensive Bond Fund vs. Cheap S&P 500 Fu
Replies: 14
Views: 3174

Do you have enough room in your Roth IRA to hold enough bonds to meet your desired stock/bond AA ratio? No. The Roth IRA represents only 4% of my total portfolio and the Roth 401k corresponds to 3.5%. So in total I have 7.5% in tax-advantaged accounts. But my target asset allocation for bonds is eq...
by natureexplorer
Sun Sep 13, 2009 11:13 am
Forum: Investing - Theory, News & General
Topic: Closed End Muni Funds - Are they worth it?
Replies: 7
Views: 1923

Thanks Ariel, I didn't know that!
by natureexplorer
Sun Sep 13, 2009 10:55 am
Forum: Investing - Theory, News & General
Topic: Closed End Muni Funds - Are they worth it?
Replies: 7
Views: 1923

Hello, I am new here and to investing. I have also been wondering about some closed-end funds. Not all of them are leveraged. I definitely don't want leverage. What about the following closed-end fund for example? It seems to have no leverage and an only short duration. BlackRock Insured Municipal T...
by natureexplorer
Fri Sep 11, 2009 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: ING Direct Electric Orange
Replies: 13
Views: 5322

Re: ING Direct Electric Orange

Positives : - pays interest (currently 0.25% APY, tiered) - free electronic transfers - a lot of free ATMs - international ATM transaction fee of 2% seems competitive (to my knowledge) - ties in neatly with ING Direct savings account and ShareBuilder - no overdraft fee Negatives : - no guarantee fo...