Suggestions for the Librarians
Broken links to bob90245's web site
In the article in the Wiki on Safe Withdrawal Rates, there's a section called Links/Further Study that has links to bob90245's web site. That site has moved and is now www.bobsfinancialwebsite.com
Thanks for heads up. Here is the url to the wiki page referred to above:
http://www.bogleheads.org/wiki/Safe_Withdrawal_Rates
And these are the new links:
Withdrawal Strategies: Articles and More
Variable Withdrawals in Retirement
http://www.bogleheads.org/wiki/Safe_Withdrawal_Rates
And these are the new links:
Withdrawal Strategies: Articles and More
Variable Withdrawals in Retirement
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.
Thanks for the heads up. The wiki page has been updated with the new links.
Please see Safe Withdrawal Rates on the Bogleheads Wiki.
Please see Safe Withdrawal Rates on the Bogleheads Wiki.
I found another broken link on that same Wiki page (in the "Trinity Study" section). This is the new link:
Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable
Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.
I didn't realize it, but that Trinity paper appears twice. The fix was applied to the link at the bottom of the page. But the link at the top of the page still points to the old (broken) url.LadyGeek wrote:Another fix completed. No problem.
Please see Safe Withdrawal Rates on the Bogleheads Wiki.
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.
I was wondering why you said it was in the Trinity study- I was looking in wrong section. Fixed again. Post if you find any more.
Please see Safe Withdrawal Rates on the Bogleheads Wiki.
Please see Safe Withdrawal Rates on the Bogleheads Wiki.
Yet another dead link to Bob's web site
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
has links to the old location. What probably ought to happen is for someone with excess to the web server to run a "Find in Files" search over all of the pages. If this isn't possible, may I suggest doing a ViewSource command, available in most browsers, and then search for bobsfiles.home.att.net. That way, at least all of the links on one page will get found.
has links to the old location. What probably ought to happen is for someone with excess to the web server to run a "Find in Files" search over all of the pages. If this isn't possible, may I suggest doing a ViewSource command, available in most browsers, and then search for bobsfiles.home.att.net. That way, at least all of the links on one page will get found.
Gave me an idea to use Google:
http://www.google.com/search?hl=en&safe ... =&gs_rfai=
Here is another Wiki page that to points to several dead urls at bobsfiles:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
http://www.google.com/search?hl=en&safe ... =&gs_rfai=
Here is another Wiki page that to points to several dead urls at bobsfiles:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.
- Barry Barnitz
- Wiki Admin
- Posts: 3353
- Joined: Mon Feb 19, 2007 9:42 pm
- Contact:
Thanks for the notice. I have updated the links. Please see Immediate Variable Annuity - SPIA and Immediate Fixed Annuity - SPIA on the Bogleheads Wiki.bob90245 wrote:Gave me an idea to use Google:
http://www.google.com/search?hl=en&safe ... =&gs_rfai=
Here is another Wiki page that to points to several dead urls at bobsfiles:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
regards,
Additional administrative tasks: Financial Page bogleheads.org. blog; finiki the Canadian wiki; The Bogle Center for Financial Literacy site; La Guía Bogleheads® España site.
I'm afraid there are still a few bobsfiles here:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Specifically, these are dead:
http://bobsfiles.home.att.net/pdfs/040902.pdf
http://bobsfiles.home.att.net/pdfs/A_Mo ... ct_Mix.pdf
And there is still a bobsfiles here:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Specifically, this is dead:
http://bobsfiles.home.att.net/pdfs/040802.pdf
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Specifically, these are dead:
http://bobsfiles.home.att.net/pdfs/040902.pdf
http://bobsfiles.home.att.net/pdfs/A_Mo ... ct_Mix.pdf
And there is still a bobsfiles here:
http://www.bogleheads.org/wiki/Immediat ... ity_-_SPIA
Specifically, this is dead:
http://bobsfiles.home.att.net/pdfs/040802.pdf
Ignore the market noise. Keep to your rebalancing schedule whether that is semi-annual, annual or trigger bands.
Good idea about Google. I made the updates, but you'll have to wait until the search bots find the changes.
You can get the text below by copying the How to Cite box at the bottom of every page (easy to swipe with mouse):
Please see Immediate Variable Annuity - SPIA on the Bogleheads Wiki.
Please see Immediate Fixed Annuity - SPIA on the Bogleheads Wiki.
You can get the text below by copying the How to Cite box at the bottom of every page (easy to swipe with mouse):
Please see Immediate Variable Annuity - SPIA on the Bogleheads Wiki.
Please see Immediate Fixed Annuity - SPIA on the Bogleheads Wiki.
Disclaimers
The reference to TIAA about disclaiming inheritance has changed. I think it is now:
http://www.tiaa-cref.org/public/advice- ... index.html
http://www.tiaa-cref.org/public/advice- ... index.html
Jon
Thanks! Was this the page you were referring to? I updated the link.
Please see Inheriting an IRA on the Bogleheads Wiki.
Please see Inheriting an IRA on the Bogleheads Wiki.
In the Slice and Dice International section this is part of the second line under Taxes:
Vanguard Total International Stock Index Fund does not fully qualify for the foreign tax credit, whereas the separate Europe, Pacific and EM funds do.
Since this fund now is totally invested in individual stocks and no longer any portion of it is a 'fund of funds' I believe the 'not fully qualify' portion of the previous paragraph is incorrect.
Vanguard Total International Stock Index Fund does not fully qualify for the foreign tax credit, whereas the separate Europe, Pacific and EM funds do.
Since this fund now is totally invested in individual stocks and no longer any portion of it is a 'fund of funds' I believe the 'not fully qualify' portion of the previous paragraph is incorrect.
- Barry Barnitz
- Wiki Admin
- Posts: 3353
- Joined: Mon Feb 19, 2007 9:42 pm
- Contact:
Thanks! We have corrected the error. Please see Slice and Dice International on the Bogleheads Wiki.idahospud wrote:In the Slice and Dice International section this is part of the second line under Taxes:
Vanguard Total International Stock Index Fund does not fully qualify for the foreign tax credit, whereas the separate Europe, Pacific and EM funds do.
Since this fund now is totally invested in individual stocks and no longer any portion of it is a 'fund of funds' I believe the 'not fully qualify' portion of the previous paragraph is incorrect.
regards,
Additional administrative tasks: Financial Page bogleheads.org. blog; finiki the Canadian wiki; The Bogle Center for Financial Literacy site; La Guía Bogleheads® España site.
Percentages_of_REITs_Present_in_Vanguard_Index_Funds
The data in this page:
http://www.bogleheads.org/wiki/Percenta ... ndex_Funds
Is over a year old. It should be updated.
http://www.bogleheads.org/wiki/Percenta ... ndex_Funds
Is over a year old. It should be updated.
Lazy Portfolios update
Hi,
New to Wiki and Bogleheads. So I'm not sure if this is they way to suggest a Wiki update.
Didn't see a reference to Scott Burn's Couch Potato "lazy style" portfolios. It is another excellent source of info using mostly Vanguard funds.
http://assetbuilder.com/couch_potato/ev ... otato.aspx
http://assetbuilder.com/couch_potato/co ... kbook.aspx
and results:
http://assetbuilder.com/couch_potato/co ... sults.aspx
Cheers,
Rob
New to Wiki and Bogleheads. So I'm not sure if this is they way to suggest a Wiki update.
Didn't see a reference to Scott Burn's Couch Potato "lazy style" portfolios. It is another excellent source of info using mostly Vanguard funds.
http://assetbuilder.com/couch_potato/ev ... otato.aspx
http://assetbuilder.com/couch_potato/co ... kbook.aspx
and results:
http://assetbuilder.com/couch_potato/co ... sults.aspx
Cheers,
Rob
Re: Lazy Portfolios update
Thread titles such as "Suggestions for the wiki" may be a bit misleading in that it implies that wiki edits need some sort of approval or require some special process to be added to the wiki.OnTheFly wrote:New to Wiki and Bogleheads. So I'm not sure if this is they way to suggest a Wiki update.
Actually, the best way to add something to the wiki, if you're willing, is to simply do it whenever you see the need. Wikis are a collaborative effort and are created and improved by the collective knowledge of every contributor. Wikis greatly benefit by having more and more people edit it and create content, so please, feel free to improve or add anything you like to the wiki. It's our wiki, all of us, and wiki's are better when there is maximum participation, not just a select few contributors. Please, edit away!
Bob
Welcome to the forum and thanks for the suggestions! As CyberBob pointed out, the wiki's content is due solely to the member's contributions.OnTheFly wrote:Didn't see a reference to Scott Burn's Couch Potato "lazy style" portfolios.
I looked at your links and saw that the "Margaritaville" portfolio title was incorrect. Since that needed to be fixed, I added the links and updated the reference layout.
If you would like to contribute additional ideas, please consider becoming a wiki editor. There are links at the bottom of every page on how to join. If not, your suggestions are appreciated.
Please see Lazy Portfolios on the Bogleheads Wiki.
I did see your suggestion, but I'm not sure how to extract the data (not my background, for someone else).LesMoss wrote:The data in this page:
http://www.bogleheads.org/wiki/Percenta ... ndex_Funds
Is over a year old. It should be updated.
KEY BENCHMARK STATISTICS
As of March 31, 2010 vanguard shows U.S. Market 81.40% S&P 500-18.60 Wilshire 4500. Bobbd
Re: Percentages_of_REITs_Present_in_Vanguard_Index_Funds
The data has been updated. You'll find information on how the table was created, as well as how to search the EDGAR database. The table is available for download (Excel 2007).LesMoss wrote:The data in this page:
http://www.bogleheads.org/wiki/Percenta ... ndex_Funds
Is over a year old. It should be updated.
Please see Percentages of REITs Present in Vanguard Index Funds on the Bogleheads Wiki.
Comments / corrections / suggestions are welcome.
Dead link in Target_Date_Retirement_Funds
The article link to "Popping The Hood: An Analysis of Major Target Fund Families" in Target_Date_Retirement_Funds appears to have died. The domain is now squatted.
- runthetrails
- Posts: 593
- Joined: Tue Jun 05, 2007 12:51 pm
- Location: Tennessee
Bad link (duplicate protocol) to Vanguard Brokerage Account immediately under the heading How to convert mutual funds to ETFs at Vanguard
at http://www.bogleheads.org/wiki/Exchange ... t_Vanguard
Thank you wiki admins for all your work maintaining this fantastic resource.
at http://www.bogleheads.org/wiki/Exchange ... t_Vanguard
Thank you wiki admins for all your work maintaining this fantastic resource.
-
- Posts: 5181
- Joined: Mon Jun 04, 2007 4:19 pm
- Location: UK
A few observations on the page at
http://www.bogleheads.org/wiki/UK_Investing
The options listed under "UK Stock Indexes" could be expanded/reworked since some improved options are now available.
Vanguard markets several index funds to UK investors on favourable terms (that is, no ridiculous minimum), and with Vanguard's trademark low costs. The primary drawback is that they're primarily sold through financial advisers, making them hard to access, though one exception is the Alliance Trust broker fund supermarket. Other drawbacks -- there's a "stamp duty" purchase fee for the funds that track the UK (though low charges should recover this in five years or so), and the funds are new and may not yet be registered for UK distributor status.
https://www.vanguard.co.uk/public/porta ... harges.jsp
HSBC have reduced the charges on their index fund range to compete, making them currently one of the best bets. There are no purchase fees for any funds, and all have UK distributor status. More appealingly, they're widely available on most, if not all, UK broker fund supermarkets, making them extremely easy to invest in, both inside and outside ISA/SIPP wrappers.
http://www.assetmanagement.hsbc.com/uk/ ... acker.html
iShares IWRD has the disadvantage, for UK investors, of being USD denominated, and so tending to spin off dividends in USD, not always convenient. It also has a UK component, so overlaps any other UK index funds held. IWXU (world ex-UK, also USD denominated, I believe) might be worth an additional mention as an alternative, though it looks thinly traded at the moment.
http://uk.ishares.com/en/rc/funds/IWRD
http://uk.ishares.com/en/rc/funds/IWXU
Replacing IWRD or IWXU with a combination of low-cost funds coving major world indexes, such as those mentioned above, leads to lower charges even than these ETFs, perhaps even getting close to halving the cost. It also sidesteps potential ETF wrinkles -- broker fee issues that might be problematic for DCA-ers, liquidity, spreads.
A mix of 59% US, 22% EU ex-UK, 10% Japan, 9% Far East ex-Japan, all HSBC at 0.25%-0.37% TER, approximates IWXU which has a 0.5% AMC. The primary missing bits from this approximation are Canada, Australia and New-Zealand.
Finally, on bonds...
...nothing. The situation remains dire, with iShares IGLT and INXG head and shoulders above every UK gilt fund. iShares SLXX is probably the preferred corporate bond vehicle.
http://www.bogleheads.org/wiki/UK_Investing
The options listed under "UK Stock Indexes" could be expanded/reworked since some improved options are now available.
Vanguard markets several index funds to UK investors on favourable terms (that is, no ridiculous minimum), and with Vanguard's trademark low costs. The primary drawback is that they're primarily sold through financial advisers, making them hard to access, though one exception is the Alliance Trust broker fund supermarket. Other drawbacks -- there's a "stamp duty" purchase fee for the funds that track the UK (though low charges should recover this in five years or so), and the funds are new and may not yet be registered for UK distributor status.
https://www.vanguard.co.uk/public/porta ... harges.jsp
HSBC have reduced the charges on their index fund range to compete, making them currently one of the best bets. There are no purchase fees for any funds, and all have UK distributor status. More appealingly, they're widely available on most, if not all, UK broker fund supermarkets, making them extremely easy to invest in, both inside and outside ISA/SIPP wrappers.
http://www.assetmanagement.hsbc.com/uk/ ... acker.html
iShares IWRD has the disadvantage, for UK investors, of being USD denominated, and so tending to spin off dividends in USD, not always convenient. It also has a UK component, so overlaps any other UK index funds held. IWXU (world ex-UK, also USD denominated, I believe) might be worth an additional mention as an alternative, though it looks thinly traded at the moment.
http://uk.ishares.com/en/rc/funds/IWRD
http://uk.ishares.com/en/rc/funds/IWXU
Replacing IWRD or IWXU with a combination of low-cost funds coving major world indexes, such as those mentioned above, leads to lower charges even than these ETFs, perhaps even getting close to halving the cost. It also sidesteps potential ETF wrinkles -- broker fee issues that might be problematic for DCA-ers, liquidity, spreads.
A mix of 59% US, 22% EU ex-UK, 10% Japan, 9% Far East ex-Japan, all HSBC at 0.25%-0.37% TER, approximates IWXU which has a 0.5% AMC. The primary missing bits from this approximation are Canada, Australia and New-Zealand.
Finally, on bonds...
...nothing. The situation remains dire, with iShares IGLT and INXG head and shoulders above every UK gilt fund. iShares SLXX is probably the preferred corporate bond vehicle.
RE: http://www.bogleheads.org/wiki/Pentagon ... edit_Union
The reward for the reward card has dropped from 1.25% to 1%.
https://www.penfed.org/productsAndRates ... dCards.asp
Thanks!
The reward for the reward card has dropped from 1.25% to 1%.
https://www.penfed.org/productsAndRates ... dCards.asp
Thanks!
Thanks for the update!
Please see Pentagon Federal Credit Union on the Bogleheads Wiki.
Hint: The sentence above was created by copy-n-paste of text in the gray box that's at the bottom of every page (How to Cite). It's an easy way to get a clearly readable link to the wiki.
Please see Pentagon Federal Credit Union on the Bogleheads Wiki.
Hint: The sentence above was created by copy-n-paste of text in the gray box that's at the bottom of every page (How to Cite). It's an easy way to get a clearly readable link to the wiki.
- Taylor Larimore
- Posts: 32842
- Joined: Tue Feb 27, 2007 7:09 pm
- Location: Miami FL
WIKI edit needed
Hi:
Would someone be kind enough to replace the Amazon link for Mr. Bogle's "Enough" book in our Collection of Investment Gems.
http://www.bogleheads.org/wiki/Taylor_L ... tment_Gems
This is the correct Amazon link to his recent updated version of "Enough":
http://www.amazon.com/Enough-True-Measu ... 832&sr=8-1
Thank you.
Would someone be kind enough to replace the Amazon link for Mr. Bogle's "Enough" book in our Collection of Investment Gems.
http://www.bogleheads.org/wiki/Taylor_L ... tment_Gems
This is the correct Amazon link to his recent updated version of "Enough":
http://www.amazon.com/Enough-True-Measu ... 832&sr=8-1
Thank you.
"Simplicity is the master key to financial success." -- Jack Bogle
- Barry Barnitz
- Wiki Admin
- Posts: 3353
- Joined: Mon Feb 19, 2007 9:42 pm
- Contact:
Re: WIKI edit needed
Thanks Taylor,Taylor Larimore wrote:Hi:
Would someone be kind enough to replace the Amazon link for Mr. Bogle's "Enough" book in our Collection of Investment Gems.
http://www.bogleheads.org/wiki/Taylor_L ... tment_Gems
This is the correct Amazon link to his recent updated version of "Enough":
http://www.amazon.com/Enough-True-Measu ... 832&sr=8-1
Thank you.
I have updated the link. Please see Taylor Larimore's Investment Gems on the Bogleheads Wiki.
regards,
Additional administrative tasks: Financial Page bogleheads.org. blog; finiki the Canadian wiki; The Bogle Center for Financial Literacy site; La Guía Bogleheads® España site.
Orders page
I think it would be nice to include a few words about trailing stop orders on the Orders page.
Thanks
Thanks
In the WIKI on Roth IRA
The reference is IRS pub 590 p 63 (2009)Conversion to Roth IRA
Conversions from a Traditional IRA to a Roth IRA require one to pay the tax due (without penalty tax) on any previously untaxed Traditional IRA assets converted. For an analysis of the potential benefits of a conversion, see Roth IRA conversion. In general, conversions work best when one is in a low tax bracket and when the source of funds for paying the tax are available outside of the IRA. If the tax is paid out of the converted assets, the payment is considered an early distribution and is subject to both income tax, and if one is under age 59 1/2, a 10 percent penalty tax.[4]
You can convert a Traditional IRA to a Roth IRA if:
your Modified AGI (see above) does not exceed $100,000, and
you are not married filing separately.
The Modified AGI limit does not apply in 2010. Also, taxes on funds converted in 2010 can be paid over two years, 2011 and 2012 [needs a reference].
Note that the $100,000 modified AGI limit will be gone in years subsequent to 2010. Also for 2010 only you may choose to pay taxes on conversion either all in 2010 or in equal amounts in 2011 and 2012.New rules for conversions and rollovers from IRAs and employer plans to Roth IRAs. For tax years starting in 2010, the $100,000 modified AGI limit for conversions and rollovers to Roth IRAs is eliminated and married taxpayers filing a separate return can now convert and roll over amounts to a Roth IRA. For any conversions or rollovers in 2010, any amounts that are required to be included in income are included in income in equal amounts in 2011 and 2012. If you elect otherwise, you can choose to include the entire amount in income in 2010.
Jon
Thanks for the suggestion. I modified your wording slightly to fit the format. Please post back if you have any comments or corrections.
Please see Roth IRA on the Bogleheads Wiki.
(Barry Barnitz added the reference. This is a group effort.)
Update: The first part of your request (add reference to Modified AGI limit) was duplicated in the added section, so I removed this sentence.
Please see Roth IRA on the Bogleheads Wiki.
(Barry Barnitz added the reference. This is a group effort.)
Update: The first part of your request (add reference to Modified AGI limit) was duplicated in the added section, so I removed this sentence.
- blacktupelo
- Posts: 209
- Joined: Mon Feb 19, 2007 5:43 pm
- Location: St. Louis Missouri USA
add Frank Armstrong to the Financial Professionals list
On the Wiki page listing financial professionals I think Frank Armstrong should be added, with a link to his website: http://www.investorsolutions.com/ . Frank's Morningstar writing is what got me hooked on Bogleheads and passive investing and his firm continues that approach today for individuals and groups.
Larry Nolan
Larry Nolan
Larry
- Taylor Larimore
- Posts: 32842
- Joined: Tue Feb 27, 2007 7:09 pm
- Location: Miami FL
Frank Armstrong
I agree with Larry.
Disclosure: Frank is a Miami neighbor, friend and taught me much of what I know about Boglehead investing.
Disclosure: Frank is a Miami neighbor, friend and taught me much of what I know about Boglehead investing.
"Simplicity is the master key to financial success." -- Jack Bogle
- Barry Barnitz
- Wiki Admin
- Posts: 3353
- Joined: Mon Feb 19, 2007 9:42 pm
- Contact:
Armstrong link:
Additional administrative tasks: Financial Page bogleheads.org. blog; finiki the Canadian wiki; The Bogle Center for Financial Literacy site; La Guía Bogleheads® España site.
Re: Armstrong link:
There seems to be a little opps. The link brings you to this thread, not Armstrong's website.Barry Barnitz wrote:Hi Larry & Taylor:
Done. Please see Financial Websites and Blogs on the Bogleheads Wiki.
Thanks,
Link to Asking Portfolio Questions
Oops corrected.
Please see Financial Websites and Blogs on the Bogleheads Wiki.
BTW, scroll down to the Investing Education section. You'll see Paul Keck's book (pkcrafter), which was mentioned in Alex Frakt's thread.
Please see Financial Websites and Blogs on the Bogleheads Wiki.
BTW, scroll down to the Investing Education section. You'll see Paul Keck's book (pkcrafter), which was mentioned in Alex Frakt's thread.
-
- Posts: 59
- Joined: Mon Sep 24, 2007 10:32 am
Special Cases
All,
I believe that there are two cases in which the information at http://www.bogleheads.org/wiki/Principl ... _Placement might not properly reflect the true trade-offs:
1) If funds are to be removed from an IRA holding high-yield or high-appreciation stocks a short time after they're added, the effect of converting capital gains and dividends (taxed at a relatively low rate in a taxable account) to regular income (taxed at a higher rate when withdrawn from an IRA) may overwhelm the benefit of tax-deferred growth.
2) Right now interest rates on bonds are extremely low. That reduces the benefit of holding bonds in an IRA, because the amount of income that gets the better tax treatment is very small.
I think it would be helpful if the benefit trade-offs caused by these effects was addressed in the topic.
Regards,
Mike
I believe that there are two cases in which the information at http://www.bogleheads.org/wiki/Principl ... _Placement might not properly reflect the true trade-offs:
1) If funds are to be removed from an IRA holding high-yield or high-appreciation stocks a short time after they're added, the effect of converting capital gains and dividends (taxed at a relatively low rate in a taxable account) to regular income (taxed at a higher rate when withdrawn from an IRA) may overwhelm the benefit of tax-deferred growth.
2) Right now interest rates on bonds are extremely low. That reduces the benefit of holding bonds in an IRA, because the amount of income that gets the better tax treatment is very small.
I think it would be helpful if the benefit trade-offs caused by these effects was addressed in the topic.
Regards,
Mike
Re: Special Cases
This is correct for a non-deductible IRA, but for a deductible IRA, you pay tax on the entire balance. If you are in a 25% tax bracket, then $4000 in an IRA is only worth $3000 if you withdraw it (and only cost $3000 to put in). If the stock market rises by 10%, the $4000 becomes $4400, and the $3000 after tax becomes $3300, so you got the full 10% gain, just as if you had $3000 in a Roth IRA.MikeA01730 wrote:1) If funds are to be removed from an IRA holding high-yield or high-appreciation stocks a short time after they're added, the effect of converting capital gains and dividends (taxed at a relatively low rate in a taxable account) to regular income (taxed at a higher rate when withdrawn from an IRA) may overwhelm the benefit of tax-deferred growth.
This is correct for now, but the decision has to be made for the long term. Once you have decided to hold stocks in your taxable account, you cannot easily change to holding bonds there as interest rates change, because you will already have capital gains on your stocks.2) Right now interest rates on bonds are extremely low. That reduces the benefit of holding bonds in an IRA, because the amount of income that gets the better tax treatment is very small.
Thanks. It looks like the domain was lost, as a link farm took over the site (domain for sale...).
I did a quick google search and can't find anything equivalent. If you have an alternate suggestion, please post.
I made a note that the link is broken. I'll give it a few days to see if it's gone for good.
Please see Estate Planning on the Bogleheads Wiki.
I did a quick google search and can't find anything equivalent. If you have an alternate suggestion, please post.
I made a note that the link is broken. I'll give it a few days to see if it's gone for good.
Please see Estate Planning on the Bogleheads Wiki.
- dratkinson
- Posts: 6116
- Joined: Thu Jul 26, 2007 6:23 pm
- Location: Centennial CO
On the Wiki I bond page: http://www.bogleheads.org/wiki/I_Savings_Bonds
The table: I Bond Interest Rate Cycles
The column headings: Month of Issue, Dates of Earnings Rate Change*
make me think that it would be helpful to add an asterisk to the rows:
May*
November*
This would be in keeping with the verbiage above (inflation rate definition) and below the table.
The table: I Bond Interest Rate Cycles
The column headings: Month of Issue, Dates of Earnings Rate Change*
make me think that it would be helpful to add an asterisk to the rows:
May*
November*
This would be in keeping with the verbiage above (inflation rate definition) and below the table.
Maybe I have a different perspective, as I don't quite see it that way. The rates are announced in May and November, but not applied until the date shown in the table.
I reworded the column heading to match the table as shown at the bottom of: I Savings Bonds Rates & Terms
Wiki article link: I Savings Bonds
Does this help?
I reworded the column heading to match the table as shown at the bottom of: I Savings Bonds Rates & Terms
Wiki article link: I Savings Bonds
Does this help?