Search found 1966 matches

by sycamore
Sun Apr 18, 2021 5:00 pm
Forum: Personal Investments
Topic: Does anyone hold Vanguard Windsor II or Wellington?
Replies: 15
Views: 1401

Re: Does anyone hold Vanguard Windsor II or Wellington?

... I decided to go for the Wellington... There has to be a reason why everybody throws "the" in front of Wellington, and not any other mutual fund that I've noticed. It ranks up there in curiosity along with why everybody switched from using "diversification" to "diversity...
by sycamore
Sun Apr 18, 2021 4:44 pm
Forum: Personal Investments
Topic: Vanguard 529 Plans
Replies: 2
Views: 303

Re: Vanguard 529 Plans

After Vanguard recently shifted around their 529 plans I took a close look at the Target Enrollment Plans. They seem fairly bond heavy, which I suppose I understand. But in the current environment, where bond funds might provide very mediocre real returns (if any), I wonder if anyone has any though...
by sycamore
Sun Apr 18, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 137
Views: 11584

Re: How quickly did you receive your 2020 tax refund?

I e-filed on Feb 12 and only just received my refund April 14. This took much longer than usual. Similar story for me. E-filed with TT early in February, refund showed up as "pending" in my checking account on 4/14, actually available on 4/15. Previous years' returns usually took around 4...
by sycamore
Sun Apr 18, 2021 11:26 am
Forum: Personal Investments
Topic: What does "won the game stop playing" mean in practice?
Replies: 87
Views: 5141

Re: What does "won the game stop playing" mean in practice?

That phrase just doesn't resonate with me. It doesn't make much sense (to me). As long as you invest (be it stocks or bonds) you are in the game. Most of us here will be in the game to our last breath. :wink: Just because it's an oft-repeated saying doesn't mean it's wise. Here is true wisdom. As l...
by sycamore
Sun Apr 18, 2021 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Selling BND in taxable to i bonds?
Replies: 1
Views: 209

Re: Selling BND in taxable to i bonds?

Does it make sense to sell BND (total bond ETF) in a brokerage and use the proceeds to max out i bonds in May ($20K)? I just bought those BND's couple of weeks ago, and I am in the 12% tax bracket. I also have another $30K in cash that I can use but will be uncomfortable to go that low ($10K only i...
by sycamore
Sun Apr 18, 2021 8:27 am
Forum: Personal Investments
Topic: Dividend stocks or index in Roth IRA?
Replies: 8
Views: 726

Re: Dividend stocks or index in Roth IRA?

From a tax point of view. You want Growth stocks/etfs (like VUG or SCHG) in Taxable. And you want Dividend stocks/etfs (like VYM, SCHD) in Roth. Note that the above doesn't mean never hold dividend stocks in taxable, or never hold growth stocks in Roth. It's quite normal and acceptable to hold both...
by sycamore
Sun Apr 18, 2021 8:17 am
Forum: Investing - Theory, News & General
Topic: Problem with allocation of mobile check at vanguard
Replies: 11
Views: 603

Re: Problem with allocation of mobile check at vanguard

If we buy stocks at vanguard by transferring money from our previously verified bank account , they apply it same day so we can participate in the market that day But they instituted a different policy in above situation I mentioned above which frustrates me What are some actionable responses to he...
by sycamore
Sun Apr 18, 2021 6:22 am
Forum: Personal Investments
Topic: Park home sale proceeds 60% VWIUX/40% VTSAX?
Replies: 6
Views: 845

Re: Park home sale proceeds 60% VWIUX/40% VTSAX?

...I am seriously looking at holding the following in taxable: - 60% Vanguard Intermediate-Term Tax-Exempt Bond Fund - 30% Vanguard Total Stock Market Index - 10% Vanguard Total International Stock Market Index vs - 60% Vanguard High-Yield Tax-Exempt Bond Fund - 30% Vanguard Total Stock Market Inde...
by sycamore
Sat Apr 17, 2021 12:26 pm
Forum: Investing - Theory, News & General
Topic: Does Index Investing Reduce Market Efficiency
Replies: 5
Views: 311

Re: Does Index Investing Reduce Market Efficiency

Hey all, it's been a while and I read this interesting article in the journal today that provides some interesting insights into how index investing affects stock prices and price accuracy. Any thoughts? https://www.wsj.com/articles/clean-energy-stock-mania-has-only-itself-to-blame-11618657201?mod=...
by sycamore
Sat Apr 17, 2021 11:31 am
Forum: Investing - Theory, News & General
Topic: What asset class is VIGI?
Replies: 7
Views: 503

Re: What asset class is VIGI?

Don't know about VIGI but I've owned Vanguard's US version (Dividend Appreciation/VIG) for many years now and it's been in the "blend" box as far as I remember. Many companies -- whether value, blend, or growth -- pay out dividends. Just because a typical growth company doesn't pay dividen...
by sycamore
Sat Apr 17, 2021 10:18 am
Forum: Investing - Theory, News & General
Topic: Creating A Comprehensive Retirement Witdrawal Plan
Replies: 6
Views: 593

Re: Creating A Comprehensive Retirement Witdrawal Plan

... I'm sure there are more considerations I have not included. I'd like to broaden the list, so I am wondering what other factors do Bogleheads consider in creating a retirement withdrawal plan? I'm not making retirement withdrawals yet but I know "simplicity" and "survivorship"...
by sycamore
Sat Apr 17, 2021 9:55 am
Forum: Personal Investments
Topic: VSMGX Bedfellow Options
Replies: 4
Views: 308

Re: VSMGX Bedfellow Options

... VSMGX fund (approx. 352T ... Wellingtong(VWENX) with approx. 34T ... about 26T in my banking account Whoa, I thought I time traveled to the future where assets are measured in Trillions! :-) Usually I see K for kilo or the slightly old-fashioned G for grand, but I assume we're talking T for Tho...
by sycamore
Fri Apr 16, 2021 3:44 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1572
Views: 94095

Re: What are you listening to now

Some Scottish bands

The Primary 5 - High Five
Cosmic Rough Riders - Deliverance
Teenage Fanclub - Songs from Northern Britain
by sycamore
Fri Apr 16, 2021 3:37 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 137
Views: 8126

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

Looking at 2040 funds... T Rowe Price's 2040 fund is about 76% stock: https://www.troweprice.com/literature/public/country/us/language/en/literature-type/quarterly-factsheet/sub-type/mf-single-class?productCode=TRJ&currency=USD FWIW, T. Rowe Price has two series of target date funds. The above ...
by sycamore
Fri Apr 16, 2021 9:26 am
Forum: Personal Investments
Topic: VBTLX - help me understand how much income it provides
Replies: 5
Views: 554

Re: VBTLX - help me understand how much income it provides

Using the 2020 Total Return of 7.72%, does that mean that if I had $100k in VBTLX on 01/01/2020 that it would provide $7,720 in pre-tax income on 12/31/2020? You can see the same return of 7.72% using the portfoliovisualizer.com tool . It assumes all distributions are reinvested. Note: reinvested d...
by sycamore
Fri Apr 16, 2021 9:03 am
Forum: Personal Investments
Topic: Shorten duration of Bond allocation
Replies: 20
Views: 833

Re: Shorten duration of Bond allocation

I have 10% of my portfolio in VBILX which has been hit hard just like other Intermediate Bond Funds.... now that rates have come up a bit and the fund has gained a little is it a good time to swap the entire allocation to a reduced duration Bond fund or is this a bad idea? Of course shorter duratio...
by sycamore
Wed Apr 14, 2021 8:04 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 137
Views: 8126

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

...Intentionally or not, Vanguard is effectively burying the cost of managing their Target Retirement and LifeStrategy funds within the cost of the underlying funds, and the amount isn't small. In fact, it's probably 5 or 6 bps of expenses being reported on the financial statements of the underlyin...
by sycamore
Wed Apr 14, 2021 7:49 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 12
Views: 1787

Re: Vanguard Federal Money Market Fund

Just what I said: five (5) funds one account. What's confusing is that if you have one account, and it's a taxable account, then all the funds in the account are considered taxable , i.e., any distributions from or sales of those funds are taxable. Maybe you're using "retirement" in the s...
by sycamore
Wed Apr 14, 2021 6:43 am
Forum: Personal Investments
Topic: BlackRock LifePath Index 2050 Fund to 70/30 FSKAX/FTIHX
Replies: 9
Views: 905

Re: BlackRock LifePath Index 2050 Fund to 70/30 FSKAX/FTIHX

I agree with what lakpr wrote -- a target date fund has a lot of advantages to it. Regarding the bolded part below: 1. The lower ER over time (FSKAX--0.015%; FTIHX--0.06%; BTC LP IDX 2050 N--0.06%) over time will lead to a non-negligible amount upon retirement in 30 years. 2. I'm not entirely sure h...
by sycamore
Wed Apr 14, 2021 6:26 am
Forum: Personal Investments
Topic: With Vanguard, is it possible to find foreign tax credit information on a month-to-month basis?
Replies: 2
Views: 284

Re: With Vanguard, is it possible to find foreign tax credit information on a month-to-month basis?

With Vanguard, is it possible to find foreign tax credit information on a month-to-month and fund-by-fund basis? Or is this information only made available at the end of the year, and for the entire year? AFAIK, it's only made available at the end of the year, and for the entire year. I think that'...
by sycamore
Wed Apr 14, 2021 6:24 am
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 137
Views: 8126

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

...I’m fairly certain that the only remaining shareholder of the underlying “investor” class funds are the TDF funds. Going off on a side track... the above seems very plausible but is there's a way to know for sure? I'm asking because I vaguely recall some 401k plans might still have access to the...
by sycamore
Wed Apr 14, 2021 5:52 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1572
Views: 94095

Re: What are you listening to now

by sycamore
Wed Apr 14, 2021 5:28 am
Forum: Personal Investments
Topic: Taxable account - tell me if my thinking is right on this.
Replies: 8
Views: 1781

Re: Taxable account - tell me if my thinking is right on this.

Back of the envelope tax estimates: Assumes: 1) Fed income tax rate of 22%, qualified divided rate of 15% 2) State tax doesn't matter (much) 3) VWAHX roughly equivalent to 30/70 split of VTSAX/VBTLX 4) Your non-SS income is high enough that 85% of your SS income is taxable VWAHX distribution yield l...
by sycamore
Tue Apr 13, 2021 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2249

Re: Vanguard cash reserve check writing

Too bad about the confusion you ran into. sport had a good suggestion: exchange your MMF into the Vanguard Federal Money Market Fund, and then establish check writing on it. You used the term "accounts." But what kind of taxable "account" do you have with Vanguard: brokerage, or...
by sycamore
Tue Apr 13, 2021 2:56 pm
Forum: Personal Investments
Topic: Taxable account - tell me if my thinking is right on this.
Replies: 8
Views: 1781

Re: Taxable account - tell me if my thinking is right on this.

Does anyone have any other ideas? Am I thinking about this right? I am not going to be allocating across taxable/deferred accounts so let's not go there, OK? Here's my thought process: You want to switch from VWAHX that distributes $X/year to some other option that distribute $Y/year. Either $X or ...
by sycamore
Tue Apr 13, 2021 2:31 pm
Forum: Personal Investments
Topic: Vanguard vs brokerage for rollover
Replies: 4
Views: 359

Re: Vanguard vs brokerage for rollover

Hi there. I need to roll over a 401k that is at Vanguard. Question - Do you think it's better to roll it into a IRA and keep it at Vanguard or move it to my brokerage? Do I want all my eggs in the brokerage basket? Or is it wiser to keep the locations of money diversified? Thank you. Welcome to the...
by sycamore
Tue Apr 13, 2021 2:22 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13940

Re: Another 2.8% SWR Article Quoting Wade Pfau

I really don't understand this whole argument. Surely the easiest way to calculate what you might need for retirement is to: Calculate how much gross you would need a year to have a life-style you would like Adjust in any given year if you have extra income/expenses for that year For each year, inf...
by sycamore
Tue Apr 13, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2249

Re: Vanguard cash reserve check writing

Just found out about this. All my checkwriting accts are useless. Vanguard tells me I have to open new accts to get checkwriting back. Vanguard is horrible at this point. Moving my money to Fidelity. If you have a Vanguard account, all you need to do for check writing is to put money into the Feder...
by sycamore
Tue Apr 13, 2021 11:22 am
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 23
Views: 2422

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

... What do I get if I buy VBTLX today? I know the avg duration is 6.6 yrs and the avg maturity is 8.5 yrs. SEC yield is 1.38% (losing to inflation at 3% now). 1 yr return = 0.54% per Vanguard. Are they buying new bonds all the time (like today) and do I get a more current bond when I buy today? Is...
by sycamore
Tue Apr 13, 2021 6:27 am
Forum: Personal Investments
Topic: Retired - Fidelity to Vanguard 401K/IRA transfer $2.9m
Replies: 12
Views: 2797

Re: Retired - Fidelity to Vanguard IRA transferred $3.2m

Please comment on my plan: 1. Transferred $3.2M IRA from Fidelity to Vanguard on 4-7-2021. 2. Plan to invest $2M in Vanguard balance fund - VBIAX - lumpsum or every 2 months $500k? 3. Plan to invest $500 in Vanguard total stock market - VTSAX 4. Plan to invest $700K - Vanguard total bond market - V...
by sycamore
Mon Apr 12, 2021 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Job at 53
Replies: 3
Views: 880

Re: Changing Job at 53

... there are 2 things I may will have to forego... May will? Is that like “might could” as we say in the South? ;-) On a serious note, I would try a “can I retire now?” exercise with the assumption that you lose those benefits. If the answer is yes, then it doesn’t matter what they’re worth. Also ...
by sycamore
Sun Apr 11, 2021 7:09 pm
Forum: Personal Investments
Topic: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning
Replies: 5
Views: 624

Re: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning

I've been lurking a while and this is my first post. Welcome to the forum, kingcrimson! I don’t have a tool recommendation for you — I use a custom spreadsheet for portfolio tracking, and even though I have six accounts there’s only eight investments so it’s easy enough to rebalance. But I wanted t...
by sycamore
Sat Apr 10, 2021 3:04 pm
Forum: Personal Investments
Topic: Is it possible to open and fund a Roth IRA for my kid
Replies: 17
Views: 1228

Re: Is it possible to open and fund a Roth IRA for my kid

Thanks, this makes sense. Hypothetically lets say a few years down the line my kid finds a small part time job like in a store or something and he makes small amounts of money. Does he need to contribute to this IRA from his own earned money. My point is if the kid makes some money he will surely s...
by sycamore
Sat Apr 10, 2021 2:20 pm
Forum: Personal Investments
Topic: [Vanguard Admiral Shares..or not? See my portfolio]
Replies: 7
Views: 993

Re: [Vanguard Admiral Shares..or not? See my portfolio]

Interesting. What If I exchange all of my target date fund for equal split of shares of VTSAX, VTIAX? Or is that more hustle for little extra profit? I don't know what you mean by "hustle", it's just a few clicks online to change your allocation. Maybe that's what counts as hustle nowaday...
by sycamore
Sat Apr 10, 2021 2:07 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard account blocked or site down?
Replies: 21
Views: 1668

Re: My Vanguard account blocked or site down?

Anyone else having problems accessing their Vanguard account? My problem started yesterday when the app wouldn't let me complete a transaction. Today I can't get into my account through the app nor online. Just now I logged in via Chrome browser on Windows. What does "can't get into my account...
by sycamore
Sat Apr 10, 2021 10:50 am
Forum: Investing - Theory, News & General
Topic: Updating SpecID Lots Before Settlement at Vanguard
Replies: 3
Views: 298

Re: Updating SpecID Lots Before Settlement at Vanguard

I've never heard of that option. The only thing I know about (at Vanguard at least) is selecting which shares when you sell them.
by sycamore
Sat Apr 10, 2021 8:32 am
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2510

Re: FSMAX Shows 6% Loss Today?

this is interesting... a 5.67% distribution is massive and considering this is a passive fund it's even more insane. What exactly caused this? I am thinking Vanguard Funds avoid this sort of thing. VSMAX shows something similar . I would think it's partly because of Tesla joining the S&P500, th...
by sycamore
Sat Apr 10, 2021 8:13 am
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 842

Re: Remind me how to stick to Strategic asset allocation

Initial SAA: Age - 10 in eq, so about 75% in eq ... Sanity check: with "Age - 10 in eq" that means you want to increase equities as you get older; is that what you want? It's more often the case that investors want to decrease equities as they get older. Maybe you meant "Age - 10 in ...
by sycamore
Fri Apr 09, 2021 4:58 pm
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2510

Re: FSMAX Shows 6% Loss Today?

FSMAX (Fidelity Extended Market Index), one of my largest holdings, shows a loss in my brokerage account of 5.67% today. There were no dividend payouts, and Vanguard's Extended Market ETF is up today. Any thoughts as to what might be going on? I called Fidelity and the representative initially trie...
by sycamore
Fri Apr 09, 2021 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20854

Re: For those retired or FI, how much do you spend annually?

... A few stats based on 2020 data: $43.8K - average household (HH) income in retirement $67.2K - mean HH income in retirement $34.8K - average HH income for 75+ year old $54.4K - mean HH income for 75+ year old What's the difference between "average" and "mean" here? Should one...
by sycamore
Fri Apr 09, 2021 4:51 pm
Forum: Investing - Theory, News & General
Topic: Fsptx - what happened today
Replies: 9
Views: 864

Re: Fsptx - what happened today

infotrader wrote: Fri Apr 09, 2021 4:46 pm Something called distribution.
Yup, according to the fund's distribution page, distributions are made in April and December. Last year it was on 4/8. The page currently doesn't show today's distribution but it'll probably show up by tomorrow.
by sycamore
Fri Apr 09, 2021 11:23 am
Forum: Investing - Theory, News & General
Topic: Why do Vanguard Target Date funds have such high tracking error?
Replies: 15
Views: 2035

Re: Why do Vanguard Target Date funds have such high tracking error?

I appreciate the replies. How often do the Vanguard TDF's glide path allocations themselves change, do they share that? I mirror the allocation percentages of the equivalent ETFs via M1 Finance, so I wanted to see how often I should re-check the TDF's page for the new percentages of each asset. If ...
by sycamore
Fri Apr 09, 2021 10:17 am
Forum: Personal Investments
Topic: Contradictory bond fund composition information by Vanguard on its site
Replies: 5
Views: 565

Re: Contradictory bond fund composition information by Vanguard on its site

...Am I misinterpreting what it means when it says AAA, AA, etc? I don't think so. The portfolio composition for DODIX (https://investor.vanguard.com/mutual-funds/profile/portfolio/0387?FundIntExt=EXT) is dated 12/31/2020. It's possible the composition has changed since then but not likely to have ...
by sycamore
Thu Apr 08, 2021 4:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6234

Re: Vanguard Website

I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? I just logged on to t...
by sycamore
Wed Apr 07, 2021 5:35 pm
Forum: Personal Investments
Topic: Brokerage account - what to buy?
Replies: 13
Views: 1212

Re: Brokerage account - what to buy?

Hi, we are in our late 30s, tax bracket @ 32% Fed and 11% state. Our portfolio is mainly in tax deferred accounts, with about 10% in Roth, and <2% in taxable brokerage account. . Tax deferred accounts: 40% TRF, 52% total stock markets (VTSAX, vanguard 500 index), and 8% bonds (VBILX, VBLAX) . Roth ...
by sycamore
Wed Apr 07, 2021 11:09 am
Forum: Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 11
Views: 920

Re: ETFs vs Mutual Funds

investingforbank wrote: Wed Apr 07, 2021 10:57 am It is FSKAX vs another total market etf and FTIHX vs another total international market etf
I'd go with the ETFs.
by sycamore
Wed Apr 07, 2021 10:53 am
Forum: Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 11
Views: 920

Re: ETFs vs Mutual Funds

Should I use an ETF with an expense ratio of 0.03% if I have a mutual fund with an expense ratio of 0.015% in a taxable account? Will the tax advantage outweigh the difference in ER? Thanks Hi investingforbank, you need to provide more information if you want an answer other than "maybe."...
by sycamore
Tue Apr 06, 2021 2:41 pm
Forum: Personal Investments
Topic: Re-balancing tutorial
Replies: 14
Views: 1214

Re: Re-balancing tutorial

Julyguy, If your goal is to keep your portfolio roughly in balance, you don't have to go "all in" on the 3 fund approach or use only the Life Strategy fund. You could, for example, use a mix of those approaches. By using VSCGX fund for, say, 50% of your portfolio, that'll keep half of your...
by sycamore
Tue Apr 06, 2021 7:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plan change
Replies: 21
Views: 2274

Re: Vanguard 529 plan change

Morningstar has a writeup of the Vanguard/Nevada 529 plan mistakes . I think it's fair to call it a fiasco. The Nevada 529 plan sponsor, their investment consultants, and Vanguard all share in the blame. As it happens, the unintentional higher stock exposure worked out for investors but their mistak...
by sycamore
Mon Apr 05, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: Rethinking Large/Small Cap Asset Allocation at Schwab
Replies: 5
Views: 550

Re: Rethinking Large/Small Cap Asset Allocation at Schwab

...I'm recently retired and looking to de-risk a bit. Is there any historical advantage to tilting toward small cap? SCHA has done spectacularly well over the last year or so but lags behind SCHX over 3, 5, and 10 year periods. You listed SCHX at 35% and SCHA at 10%. Assuming those are percentages ...