Search found 2443 matches

by #Cruncher
Fri Jul 07, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: For retirement at 55 what is a good multiplier?
Replies: 43
Views: 5843

Re: For retirement at 55 what is a good multiplier?

The 4% rule was built on an exactly 30 year timeline. Add 10 years to get 40 years. 1/30-1/40=1/120~~0.833% 4%-0.833%~~3.167% This is a simplified, but legit, calculation. I get the same result with the following more complicated approach that uses the Excel RATE and PV functions: Row Col A Col B 1...
by #Cruncher
Fri Jul 07, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Bonds or TIPS?
Replies: 46
Views: 4736

Re: Bonds or TIPS?

WSJ shows the five and ten year TIPS auctioned so far this year currently appear to have spreads in the 20 to 25 basis point range [*][/color]. I wouldn't put any weight on the bid / ask spreads shown on the Wall Street Journal's TIPS site. They are just too regular to be real. For example, the tab...
by #Cruncher
Thu Jul 06, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: A Better Version Of The Warren Buffett 90/10 Portfolio?
Replies: 19
Views: 3095

Re: A Better Version Of The Warren Buffett 90/10 Portfolio?

Now, as for the possibility of "living off the dividends" during the crash, I have to point out that just as a matter of math, if the growth curves match, there is no superiority in either fund. Excellent point, Nisi! This can be illustrated by replacing the comparison in my previous post of the ac...
by #Cruncher
Wed Jul 05, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or TIPS?
Replies: 46
Views: 4736

Re: Bonds or TIPS?

... has anyone noted explicitly (and pedantically) that TIPS are bonds? ( I'm always ready to be pedantic. :wink: ) Of course TIPS are bonds. I think of them as bonds denominated in purchasing power instead of dollars. If we had a separate inflation-adjusted unit of account (like Chile does with it...
by #Cruncher
Wed Jul 05, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: A Better Version Of The Warren Buffett 90/10 Portfolio?
Replies: 19
Views: 3095

Re: A Better Version Of The Warren Buffett 90/10 Portfolio?

... instead of putting 90% of their money into the S&P 500, wouldn't it be better to put that money into say the Vanguard High Dividend Yield Index Fund Investor Shares (VHDYX)? We can't know the future, but to see the possible difference I compared using the Vanguard High Dividend Yield Index Fund...
by #Cruncher
Tue Jul 04, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or TIPS?
Replies: 46
Views: 4736

Re: Bonds or TIPS?

The past performance of VIPSX trails that of VBTLX in the time frames YTD, 1-year, 3-year, 5-year, and 10 year. I write this just to dispel the myth that TIPS are safer than a Total US Bond Market index fund. (underline added) You're right, livesoft, that the Vanguard broad TIPS fund (VIPSX) has pe...
by #Cruncher
Mon Jul 03, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep pension or roll it over?
Replies: 13
Views: 1441

Re: Should I keep pension or roll it over?

... monthly payment calculation just increased to 545 probably due to 2nd quarter interest added. ... Joint life is an option, the amount of 545 and 717 are the single option and I'll be taking the single. ... The 3.8% applies to the cash value of the annuity about 102k, ... It's hard to decipher t...
by #Cruncher
Mon Jul 03, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep pension or roll it over?
Replies: 13
Views: 1441

Re: Should I keep pension or roll it over?

1. ... Currently, pays $535 a month and grows by 3.8% per year during the time I don't collect it. ... It caps out at $717 per month in 2022 ... Something's wrong with these figures, Flymore. From 535 to 717 in five years is not an increase of 3.8% per year. It is 6.8% (simple average growth) or 6....
by #Cruncher
Sat Jul 01, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Quit my Job-What to do with Pension?
Replies: 10
Views: 1193

Re: Quit my Job-What to do with Pension?

... $70,000 in former employer's pension plan. Estimated monthly payment is $1,424/month in 30 yrs when I turn 65. Assuming the pension is single life (not joint) and is not CPI-indexed, I'd roll it over into an IRA. Based on the SSA 1980 Cohort Life Table and using my longevity estimator spreadshe...
by #Cruncher
Fri Jun 30, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 83
Views: 19554

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 06/30/2017 and the weighting effect of the 5-year auction in April, the 10-year auction in May, and the 30-year auction in June. As shown in the table below, the weighted average yield of the bonds in the 1+ years broad ...
by #Cruncher
Fri Jun 30, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Pension Evaluation Help
Replies: 5
Views: 945

Re: Pension Evaluation Help

You're assuming there are taxes yearly on growth. I'm not sure that's always the case. Annual taxes on growth at the same rate as the taxes on the pension itself would be the case if the pension is invested in something like a bond fund. Investing in bonds seems a reasonable assumption since they h...
by #Cruncher
Thu Jun 29, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity VS cash
Replies: 16
Views: 1707

Re: Annuity VS cash

I would say that what I showed is that almost certainly it is better for the company if the employee takes the lump sum instead of holding onto the annuity, a lot better. I assume you're referring to this, Nisi: If they're playing fair, if the $44,000 is a fair equivalent, you ought to be able to u...
by #Cruncher
Thu Jun 29, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Pension Evaluation Help
Replies: 5
Views: 945

Re: Pension Evaluation Help

Please, pick apart my model and tell me where I'm wrong. I confirmed your calculations, Bacchus01. Row Col A Col B Col C Col D Col E Col F 1 Pretax amount ----> 1,500 1,656 2,292 3,168 4,548 2 v Rate v / Begin -> 48 50 55 60 65 3 1% 51,120 53,934 66,284 80,619 100,712 4 2% 62,996 65,781 78,879 93,7...
by #Cruncher
Wed Jun 28, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Annuity VS cash
Replies: 16
Views: 1707

Re: Annuity VS cash

As I expected, though, there's really no question that the annuity is a better dollar value than the lump sum. The original poster needs to answer three questions before the choice can be properly evaluated: Is he/she male or female? Is it a single life or joint pension? If the latter, what is the ...
by #Cruncher
Tue Jun 27, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Taxes on I Series Bonds negate purchasing power protection?
Replies: 12
Views: 1938

Re: Taxes on I Series Bonds negate purchasing power protection?

For example, the current inflation rate right now is 1.96%. For someone in the 25% tax bracket, they would need a fixed rate of (1.96 / .75) - 1.96 = 0.65. However, if inflation goes up to 3% in the coming years, the fixed-rate needed would rise to (3 / .75) - 3 = 1%. The tax deferral jdilla1107 me...
by #Cruncher
Tue Jun 27, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve
Replies: 4
Views: 730

Re: TIPS yield curve

Why are the higher coupon TIPS 2019 through 2023 yielding less than the .125% coupon TIPS of similar or even shorter maturity? Is this simply preference for bigger semi-annual payments commanding higher price -> lower yield? Yes, the higher coupon is part of the reason. A higher coupon bond has a s...
by #Cruncher
Mon Jun 26, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 3138

Re: A TIPS is maturing in Fidelity. What to do?

I am still curious why people say that if you hold a TIPS to maturity you get the exact amount. How come that I am getting more than the exact amount? Is it the exact amount plus inflation? Is it the exact amount plus the fixed interest on the TIPS? I don't know what you mean by "exact" amount, Vic...
by #Cruncher
Fri Jun 23, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 21
Views: 3052

Re: Delaying pension benefits - what would you do?

... assuming life expectancy till 85, would I be better off delaying taking my benefit? Yes. By forsaking $31,680 (12 * 2640) for one year, you'll get $3,156 (12 * 2903 - 31680) more per year for 19 years (85 - 66). This represents a very good return of 7.4%. [1] The likely return is even higher if...
by #Cruncher
Fri Jun 23, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about the death thing for taking SS
Replies: 17
Views: 1795

Re: Thinking about the death thing for taking SS

Situation: I'm 61, she's 62. ... We plan to die at the same time, when I turn 85. Evaluating your options may be simplified by assuming you both die at the same time. Just be aware it's unlikely. Based on the SSA 2013 Period Life Table for a man / woman age 66 / 67 here are the odds of one outlivin...
by #Cruncher
Thu Jun 22, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 4525

Re: 30 yr TIPS auction 6/22: yield 1.0%?

Yes if real interest rates go up your tips may go down in value. But the price of the annuity should drop as well so you should be hedged. But the TIPS price may also go up in value. Yes, and if so, the price of the annuity would likely also go up. That's what Grok means by "hedged". So the price o...
by #Cruncher
Wed Jun 21, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: 10 (& 30) Year TIPS Auction Yields Compared to Secondary Market
Replies: 3
Views: 892

30-Year TIPS Auction Yields Compared to Secondary Market

I've done the same comparison as in the original post for 30-year TIPS since they were re-introduced in 2010. The auction yields are listed in the next ro right column of this web page . The secondary market yields are from WSJ Historical TIPS Quotes . I chose only the re-opening auctions so the TIP...
by #Cruncher
Tue Jun 20, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 8692

Re: [Wiki] - Percentage Gain and Loss (for new investors)

The wiki has been revised to incorporate centinepers : Percentage gain and loss ... #Cruncher - I reordered two columns in your 2nd table. How's it look? I didn't think you'd actually include the tables from my post , LadyGeek. Thank you for doing so. Your column reordering makes the 2nd table bett...
by #Cruncher
Tue Jun 20, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 2285

Re: Income Tax Calculation?

Note that $20K is just under a large step change in marginal rates. Indeed! A $20,732 long term capital gain (LTCG) along with the $35,125 of non-SS ordinary income and $62,374 of SS benefits mentioned in the original post exhausts the "space" where LTCG are not taxed. (For a 2017 joint return with...
by #Cruncher
Sun Jun 18, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 2285

Re: Income Tax Calculation?

... This makes your tax go up ... 27.75% of the extra income. ... ... that is an eye opener ... Wait, it gets even better! If, besides the $35,125 of RMD and pension, the original poster converted $20,762 to a Roth (not just $20,000), he'd reach the 25% tax bracket. The next $12,241 of Roth convers...
by #Cruncher
Sun Jun 18, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 2285

Re: Income Tax Calculation?

Why does an additional $20,000 distribution increase the total tax by so much ... ? Because the extra $20,000 income makes $17,000 more of your Social Security benefits taxable. This makes your tax go up $5,550 (37000 * 15%), 27.75% of the extra income. See the Wiki's Taxation of Social Security be...
by #Cruncher
Sun Jun 18, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 8692

Re: [Wiki] - Percentage Gain and Loss (for new investors)

We should be using centinepers (cNp), see this Wikipedia article: Relative change and difference - Wikipedia (Other change units) I fought the urge as long as I could. But in the end I just couldn't resist. So, reluctantly, here is the table from the Wiki article with columns added for centinepers ...
by #Cruncher
Sun Jun 18, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Formula for increasing payment over life of loan
Replies: 3
Views: 543

Re: Formula for increasing payment over life of loan

I want the payment to start low, but increase during the duration of the loan. ... If somebody could point me in the right direction it'd be much appreciated. I don't know a formula. But you may be able to get a solution using the Excel Goal Seek tool. To illustrate, here is one possible approach. ...
by #Cruncher
Sat Jun 17, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1969

Re: Help with Second to Die Policy

Which is the better estimate of probable return? Since the actuarial approach is a more precise reflection of reality [than the expected lifetime approximation], it's a generally more accurate one to use (particularly for an insurer, whose customers will "average" out to well-selected probability t...
by #Cruncher
Fri Jun 16, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Treasury Notes Return vs Actual TIPS Return
Replies: 10
Views: 2811

Re: Treasury Notes Return vs Actual TIPS Return

I've updated my comparisons to include TIPS maturing in 2017. These are the 5-year TIPS issued in 2012 and the 10-year TIPS issued in 2007. For all of them one would have done better with nominal Treasuries. In fact a purchaser at two of the three 5-year auctions, earned a negative return in nominal...
by #Cruncher
Fri Jun 16, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 4525

Re: 30 yr TIPS auction 6/22: yield 1.0%?

ok but once the auction has been announced aren't the exact values for accrued interest and indexed principal known? Actually they were knowable well before that. So, we know the coupon is .875%. That said, I believe that both the accrued interest and the purchase discount will be based upon the au...
by #Cruncher
Thu Jun 15, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 4525

Re: 30 yr TIPS auction 6/22: yield 1.0%?

According to fidelity, indexed principal is now at $1,011.48 and accrued interest is $2.958. Those are the values on 6/16/2017. But the relevant figures are the ones on 6/30/2017, the date the TIPS will be issued. The index ratio on that date is 1.01287 and the adjusted accrued interest is $3.30512...
by #Cruncher
Wed Jun 14, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1969

Re: Help with Second to Die Policy

I'd appreciate comments about an issue that concerns me: I get significantly different estimates of the return from this policy depending on which of two methods I use. Both are based on the same mortality table, the SSA 2013 Period Life Table . Calculating the return using the 21.51 year joint life...
by #Cruncher
Tue Jun 13, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with asset allocation - TIPS and Corporate bonds]
Replies: 3
Views: 631

Re: [Help with asset allocation - TIPS and Corporate bonds]

- TIPS ; VIPSX/FINPX; 4.5% allocation; US Govt (AAA); 5-10 years maturity I'd consider replacing both of these with Fidelity's Fidelity® Inflation-Protected Bond Index Fund - Premium Class (FSIYX) . All three hold the same broad spectrum of TIPS maturing in over one year. But FSIYX has an expense r...
by #Cruncher
Tue Jun 13, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1969

Re: Help with Second to Die Policy

Yes, both must pass away before the policy pays out the death benefit. That's what I was assuming in my first post . My thoughts exactly re:odds in favor of the insurance company (that's what they do after all). Maybe a lot of policy holders stop paying premiums before collecting the death benefit....
by #Cruncher
Mon Jun 12, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1969

Re: Help with Second to Die Policy

... dad 72 y/o, mom 66 y/o ... $250,000 second to die life insurance policy ... $3825 annual premium Would someone please explain to me how a policy like this works. As a life insurance novice I'm supposing that, for example if in year 10 the 2nd parent dies, the heirs would collect $250,000; meanw...
by #Cruncher
Mon Jun 12, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 2255

Re: couple questions about SSA (67 vs 70) and breakeven points

... Col A Col B Col C Col D -- Breakeven -- Row Age % PIA Years Age --- --- ------- ------ ------ 5 62 70.000 6 67 100.000 11.667 78.667 7 70 124.000 12.500 82.500 ... I think the problem with this approach is it ignores the time value of money. It just totals up how much one has received by a cert...
by #Cruncher
Sun Jun 11, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 8692

Re: [Wiki] - Percentage Gain and Loss (for new investors)

Could you please point out what, exactly, should be fixed? ... The graph is the same as the example ... No, the graph and the example aren't the same in the use of the term "Initial Value". Here is the graph: https://www.bogleheads.org/w/images/f/fa/Percentage_gain_and_loss.png Now here is the exam...
by #Cruncher
Sun Jun 11, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 2255

Re: couple questions about SSA (67 vs 70) and breakeven points

I did a quick excel using the amounts above starting at those ages and just adjusted 3% COLA each year based on the starting amounts. ... I come up with the break even point of 82 for starting at 67 (rather than 62) ... There is no need to adjust SS benefits for estimated Cost of Living Adjustments...
by #Cruncher
Sat Jun 10, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: When is Municipal Bond Interest NOT "Tax-free"...
Replies: 15
Views: 1835

Re: When is Municipal Bond Interest NOT "Tax-free"...

It is like traveling across the country and not being able to avoid 500 miles of toll road somewhere in the middle. Excellent metaphor, Nisi! Just be aware that the length of the "toll road" (extent of the hump) will depend on the amount of Social Security benefits -- as shown in the following two ...
by #Cruncher
Fri Jun 09, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: When is Municipal Bond Interest NOT "Tax-free"...
Replies: 15
Views: 1835

Re: When is Municipal Bond Interest NOT "Tax-free"...

(2) 15% federal bracket: municipal bond interest marginal tax rates can be 12.5% (3) 25% federal bracket: municipal bond interest marginal tax rates can be 21.25% To be picky, the 12.5% should be 12.75% (15% X 85%). But, more significantly, if one has long term capital gains (LTCG) or Qualified Div...
by #Cruncher
Thu Jun 08, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should equals take SS at FRA or Early to preserve portfolio?
Replies: 30
Views: 3341

Re: Should equals take SS at FRA or Early to preserve portfolio?

... would it be better to take our benefits at FRA [Full Retirement Age] or even a couple years early ... ? I think it's pretty clear that at least one of you should delay claiming benefits until age 70. Assuming that, I estimated the probable overall value if the other one begins benefits at any o...
by #Cruncher
Thu Jun 08, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: I pay off my 3% loan. Is my return 3%?
Replies: 36
Views: 4574

Re: I pay off my 3% loan. Is my return 3%?

It's easier to view the loan as a series of payments. I wouldn't say it's easier; but it is certainly another valid way of looking at the issue. However, it may be clearer if the calculation of additional amounts to prepay is done on the basis of monthly compounding as is done in computing the $965...
by #Cruncher
Tue Jun 06, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: I pay off my 3% loan. Is my return 3%?
Replies: 36
Views: 4574

Re: I pay off my 3% loan. Is my return 3%?

Yes, the return one earns from paying down a loan does equal the interest rate on the loan. This is true over any time period one chooses and results from one or both of the following: Reduction in monthly payment Reduction in future loan balance To illustrate this, let's assume a $60,000 loan with ...
by #Cruncher
Mon Jun 05, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 8692

Re: [Wiki] - Percentage Gain and Loss (for new investors)

Investors can lose sight of the fact that percentages, which is a ratio, is not the same as working with the actual dollar value. The Wiki article is correct. But it may create the false impression that what it describes refers specifically to investing and that it results from expressing changes i...
by #Cruncher
Sat Jun 03, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Annuity
Replies: 8
Views: 1150

Re: Lump Sum or Annuity

E.g., for 30 years of a $525/mo withdrawal, starting in 4 years, the return on the lump sum would have to average ~5.4%/yr for the next 34 years. Yes, that's the return I get too. [1] But living to age 95 is optimistic. Based on the SSA 2013 Period Life Table , only 7% of males and 13% of females a...
by #Cruncher
Sat Jun 03, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a way on earth to reduce SS taxes?
Replies: 54
Views: 5686

Re: Is there a way on earth to reduce SS taxes?

What is the SS % return on the second bend ? I'm not sure if this is what you're asking, deltaneutral83, but in my post above , I estimate the 2nd bend point return as 4.4%, 5.0%, and 7.3% for a single male, single female, and couple respectively. Here is the first table from that post with two col...
by #Cruncher
Sat Jun 03, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Is there a way on earth to reduce SS taxes?
Replies: 54
Views: 5686

Re: Is there a way on earth to reduce SS taxes?

Why would you want to [not pay SS taxes] until you pass at least the first bend point? Or, the second bend point. It is one of the best investment option available. I estimated the return on SS taxes paid for three Average Indexed Monthly Earnings (AIME): An amount equivalent (after indexing) to th...
by #Cruncher
Fri Jun 02, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 2158

Re: Lump Sum Vs. Annuity?

My numbers if I retire at 62 are $4740 a month for the pension and $903,000 for the lump sum. This is a payout ratio of 6.3%, not the 6.4% that you mentioned in your two previous posts. My wife would get $4740 a month if I died before her. This significantly improves the value of your pension. See ...
by #Cruncher
Wed May 31, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 2158

Re: Lump Sum Vs. Annuity?

If you die in 20 years, 2.6%, not 6.4%, is the return you'd have to earn by investing the lump sum to match the payments from the pension. #cruncher Yes if I divide my annual payment by my lump sum it equals 6.4%. As far as what else you were talking about on the payout over 20 years you need to ex...
by #Cruncher
Mon May 29, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Nominal yield of vanguard TIPS fund
Replies: 2
Views: 566

Re: Nominal yield of vanguard TIPS fund

... nominal forward yield ... We can know the real forward yield or the nominal backward yield of a TIPS. Vanguard shows a yield of this latter type on the VAIPX Portfolio & Management tab. It is reported to be 2.1% as of 4/30/2017. [1] The footnote says This figure is an estimated yield-to-maturit...