Search found 321 matches

by mokaThought
Sun Mar 28, 2021 10:46 pm
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6986

Re: I Bond Sell Strategy

I had this glorious thought of grandparents dedicating some or all of their I-bond returns to their grandchildren's educational expenses. Alas per https://www.treasurydirect.gov/indiv/planning/plan_education.htm: You can take the exclusion if all five of the following apply: * You cashed qualified U...
by mokaThought
Sun Mar 28, 2021 10:11 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity vs M1
Replies: 47
Views: 4240

Re: Vanguard vs Fidelity vs M1

I still use Vanguard to invest in their total stock market mutual fund, but have been thinking about using their free index fund -> ETF conversion tool (which is apparently patented by Vangaurd) so I can move all my funds over to M1 Finance instead. Haven't done it because I love how Vanguard is a ...
by mokaThought
Tue Mar 02, 2021 10:52 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have "fun" ETFs?
Replies: 62
Views: 3437

Re: Does anyone have "fun" ETFs?

The only way I can get my wife interested in investing is to discuss subjects and sectors that appeal to her. She quickly gravitated towards the cannabis sector, and I found the POTX etf as a relatively wiser alternative to individual pot stocks. She likes the name and is actually doing some resear...
by mokaThought
Tue Mar 02, 2021 8:34 pm
Forum: Personal Investments
Topic: Best Vanguard Fund for under-the-mattress money
Replies: 57
Views: 7876

Re: Best Vanguard Fund for under-the-mattress money

The "best" place right now isn't at Vanguard. Use Ally Financial, Marcus, etc. for an online savings account. They pay more (0.50%) and have less risk than VUBFX (currently paying 0.40%). Regards, I've seen too many customer service complaints here about Ally in particular. I've been happ...
by mokaThought
Tue Mar 02, 2021 8:29 pm
Forum: Investing - Theory, News & General
Topic: TSP G Fund rate 1.375% (March 2021)
Replies: 12
Views: 2318

Re: TSP G Fund rate 1.375% (March 2021)

Awesome! Almost keeping up with inflation now! Now I know this is the very safest part of my portfolio, but it would be nice to at least double once a lifetime. I had this impulsive feeling just before the recent 10-year treasury bill spike that I should go 100% G Fund rather than 50/50 between G a...
by mokaThought
Tue Mar 02, 2021 7:28 pm
Forum: Investing - Theory, News & General
Topic: TSP G Fund rate 1.375% (March 2021)
Replies: 12
Views: 2318

Re: TSP G Fund rate 1.125% (Feb 2021)

March 2, 2021 rate: 1.375%
by mokaThought
Mon Feb 22, 2021 9:06 am
Forum: Investing - Theory, News & General
Topic: don't want to buy I bonds; what ETF will mimic?
Replies: 39
Views: 3142

Re: don't want to buy I bonds; what ETF will mimic?

I don't want to open (another) account simply to buy I bonds or EE bonds, although I like their characteristics. Is there an ETF or other publicly traded investment one can hold in their brokerage account that mimics these instruments? HYG. [awkward pause] Okay, I’m trolling. HYG had a SEC yield ar...
by mokaThought
Mon Feb 22, 2021 1:52 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4419
Views: 339903

Re: Small Cap Value heads Rejoice !!!

Is anyone aware of some good research into why AVUV is better than a fund like IJS/SLYV? I remember reading that AVUV might have a deeper tilt, but with a 0.10% higher expense ratio, it might be a wash in the end. Although lately, it seems AVUV has had the advantage: https://etfdb.com/tool/etf-comp...
by mokaThought
Sat Feb 20, 2021 2:20 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4419
Views: 339903

Re: Small Cap Value heads Rejoice !!!

I gave in yesterday and purchased IJS and AVDV. Now I see Ben Felix changed his recommendation from IJS to AVUV. Ugh...don’t want to pay bid/ask spread again on that. Should I worry about the other factors, esp. momentum? :oops:
by mokaThought
Fri Feb 19, 2021 12:43 pm
Forum: Personal Investments
Topic: Fidelity limited margin feature - a hindrance
Replies: 14
Views: 1245

Re: Fidelity limited margin feature - a hindrance

Searched and found this thread. No new thread for you. Limited Margin allows you to trade on unsettled funds and avoid cash trading restrictions, such as good faith violations, in an IRA account. Below, select the account you would like to enroll in Limited Margin. Learn more about Limited Margin tr...
by mokaThought
Thu Feb 18, 2021 4:55 am
Forum: Investing - Theory, News & General
Topic: How to Invest in Crypto like a Boglehead?
Replies: 187
Views: 20062

Re: How to Invest in Crypto like a Boglehead?

The way to invest in crypto like a boglehead is to continue to "don't do something, just sit there." When and if crypto becomes truly viable, publicly traded companies that I already own through VTI will be figuring out ways to invest in and profit from it. Some already are. Indexing wins...
by mokaThought
Wed Feb 17, 2021 11:52 pm
Forum: Investing - Theory, News & General
Topic: When Does the .3% Fee From Vanguard Personal Advisor Hit?
Replies: 14
Views: 1623

Re: When Does the .3% Fee From Vanguard Personal Advisor Hit?

Moving over a lot of money to Vanguard. I'm very curious about the Vanguard Personal Advisor Service. I have 3 questions: When does the .3% fee hit? Is it possible to sign up for the service, get help with the asset allocation, and then unsubscribe before the fee hits? If I am moving a large amount...
by mokaThought
Wed Feb 17, 2021 8:21 am
Forum: Investing - Theory, News & General
Topic: Great Courses and what current ones miss (I miss something every time I buy one..!)
Replies: 7
Views: 1248

Re: Great Courses and what current ones miss (I miss something every time I buy one..!)

How the Stock Market Works and Advanced Investments are both very informative but cover quite a lot that falls firmly outside of Boglehead territory. I would just subscribe to The Great Courses Plus for them rather than paying purchase price. When you “cancel” The Great Courses Plus, they might off...
by mokaThought
Tue Feb 16, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: Visiting Vanguard Headquarters
Replies: 27
Views: 7359

Re: Visiting Vanguard Headquarters

watchnerd wrote: Wed Sep 19, 2018 10:22 am I took the super special Flagship tour and it was just like Willy Wonka, but for money.
Sad to hear Vanguard is behind the times with occupational safety regulations.
by mokaThought
Tue Feb 16, 2021 6:03 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs is coming to the everyday people
Replies: 58
Views: 8096

Re: Goldman Sachs is coming to the everyday people

The sentence that jumped out at me in the Wall Street Journal article was up top: the platform "allocates and automatically rebalances individuals’ wealth across portfolios of stocks and bonds based on the models developed by the firm’s investment-strategy committee." Who among us, with e...
by mokaThought
Tue Feb 16, 2021 1:28 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs is coming to the everyday people
Replies: 58
Views: 8096

Re: Goldman Sachs is coming to the everyday people

The sentence that jumped out at me in the Wall Street Journal article was up top: the platform "allocates and automatically rebalances individuals’ wealth across portfolios of stocks and bonds based on the models developed by the firm’s investment-strategy committee." Who among us, with e...
by mokaThought
Tue Feb 16, 2021 1:06 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs is coming to the everyday people
Replies: 58
Views: 8096

Re: Goldman Sachs is coming to the everyday people

New (puff?) piece in WSJ today: https://www.wsj.com/articles/goldman-sa ... _lead_pos2

* $1,000 minimum
* 0.35% fee
* diversified portfolios, no individual stocks

🥱
by mokaThought
Mon Feb 15, 2021 3:27 am
Forum: Personal Investments
Topic: Thoughts on Fidelity Zero Extended Market Index
Replies: 27
Views: 3402

Re: Thoughts on Fidelity Zero Extended Market Index

Try changing large cap/extended split from 80/20 to 85/15. Not saying this is better but it gives you an idea how sensitive it is to small variations. That's why it's difficult to compare funds that track different indexes. Edit: based on your previous responses, maybe it's better if we work it out...
by mokaThought
Sun Feb 14, 2021 5:30 pm
Forum: Personal Investments
Topic: Thoughts on Fidelity Zero Extended Market Index
Replies: 27
Views: 3402

Re: Thoughts on Fidelity Zero Extended Market Index

I'd rather pay the five basis points and be confident that the fund is tracking the index. Count me out. https://i.imgur.com/BRJxS7E.jpg Source: https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=FZIPX&symbols=FSMAX Don’t make the assumption that FSMAX and FZIPX are tracking th...
by mokaThought
Sun Feb 14, 2021 4:32 pm
Forum: Personal Investments
Topic: Thoughts on Fidelity Zero Extended Market Index
Replies: 27
Views: 3402

Re: Thoughts on Fidelity Zero Extended Market Index

I'd rather pay the five basis points and be confident that the fund is tracking the index. Count me out.

Image

Source: https://www.portfoliovisualizer.com/fun ... bols=FSMAX
by mokaThought
Sun Feb 14, 2021 2:53 pm
Forum: Investing - Theory, News & General
Topic: Overweighting VWO because of China!
Replies: 56
Views: 4173

Re: Overweighting VWO because of China!

High growth rates in GDP do not necessarily translate to high equity returns. Returns on Chinese equity to date have been very poor considering their economy’s growth. You would need a reason to expect that to change going forward to justify an overweight to China. +1, Chinese GDP performance does ...
by mokaThought
Sun Feb 14, 2021 11:24 am
Forum: Investing - Theory, News & General
Topic: M1 money supply
Replies: 40
Views: 3392

Re: M1 money supply

https://fred.stlouisfed.org/series/M1 7 trillion sitting liquid. More than ever in history. Is this actionable? For business owners that have received stimulus money, it would make sense to me that if it was not going toward saving or growing a business, it would be treated no differently than earn...
by mokaThought
Sun Feb 14, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3479

Re: Dash cams?

I’m a truck driver and use one every day. I had a accident back in June, and the camera provided much peace of mind. The other vehicle hit my trailer in the driver side, so while it didn’t directly record the other vehicle’s actions, it did record the effect of its headlights and the fact that I was...
by mokaThought
Sat Feb 13, 2021 9:17 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68919

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Some sectors outperform other sectors over a period of time. Which one does best next? Are you willing to act upon your prediction?
by mokaThought
Sat Feb 13, 2021 2:08 pm
Forum: Personal Investments
Topic: IRA Rollover: would you go w/ EFTs on Vanguard mutual funds?
Replies: 3
Views: 217

Re: IRA Rollover: would you go w/ EFTs on Vanguard mutual funds?

You can convert Vanguard mutual funds to ETFs if they have ETF equivalents. So long as you’re in a Boglehead three-fund portfolio, having ETF equivalents won’t be an issue. I would go with mutual funds to start with.
by mokaThought
Mon Feb 08, 2021 2:22 pm
Forum: Investing - Theory, News & General
Topic: WSJ Section Today [Investing in Funds & ETFs]
Replies: 15
Views: 1922

Re: WSJ Section Today [Investing in Funds & ETFs]

UpperNwGuy wrote: Mon Feb 08, 2021 2:12 pm I don't understand why members of this forum start new threads about articles that are behind paywalls.
It seems WSJ subscriptions are quite common here, and it’s neither uncommon nor inappropriate to convey the gist of the article in a forum post. It was definitely worth the $60 on eBay for me.
by mokaThought
Mon Feb 08, 2021 9:23 am
Forum: Investing - Theory, News & General
Topic: TSP G Fund rate 1.375% (March 2021)
Replies: 12
Views: 2318

TSP G Fund rate 1.375% (March 2021)

(thread title updated) I was looking at doing something with the yields on my bond side. Lo and behold, TSP G Fund rate shot up from 0.875% to 1.125%. F Fund's SEC yield is presumably 1.18% since it's based on the same index as AGG. Sources: https://www.tsp.gov/loan-basics/ https://www.tspfolio.com/...
by mokaThought
Thu Feb 04, 2021 5:10 am
Forum: Personal Investments
Topic: Heads up! Fidelity 2FA Temporarily Disabled!
Replies: 38
Views: 3173

Re: Heads up! Fidelity 2FA Temporarily Disabled!

It’s weird. I scrolled through the Twitter messages directed at Fidelity yesterday. Lots of rants and complaints about people losing :moneybag :moneybag :moneybag :moneybag and overall lots of hate related everyone’s favorite stock, but I didn’t see any complaints about 2FA not being active. The co...
by mokaThought
Wed Feb 03, 2021 7:10 am
Forum: Personal Investments
Topic: Heads up! Fidelity 2FA Temporarily Disabled!
Replies: 38
Views: 3173

Re: Heads up! Fidelity 2FA Temporarily Disabled!

Still beats receiving random delayed 2FA texts from Vanguard several hours after logging in, making me think that someone stole my password. And no, I don’t believe OP is accurate.
by mokaThought
Sun Jan 31, 2021 2:55 pm
Forum: Personal Investments
Topic: robinhood is getting sued - should i get my money out asap?
Replies: 103
Views: 8909

Re: robinhood is getting sued - should i get my money out asap?

Transfer in-kind to a real brokerage, and I would have told you this months ago, long before GME became the topic du jour.
by mokaThought
Sat Jan 30, 2021 10:50 pm
Forum: Personal Investments
Topic: At Schwab, switch to Vanguard or Merrill?
Replies: 18
Views: 1666

Re: At Schwab, switch to Vanguard or Merrill?

I'd have a hard time recommending Vanguard to anyone who needs to log into the website frequently due to their persistent IT issues. Fidelity Freedom Index funds (there are also Fidelity Freedom [NOT index] funds) might do the trick for you.
by mokaThought
Sat Jan 30, 2021 6:39 pm
Forum: Personal Investments
Topic: Vanguard checkwriting cancelled after inactivity
Replies: 28
Views: 2284

Re: Vanguard checkwriting cancelled after inactivity

Before I left Vanguard, I maintained emergency funds in Prime Money Market due to the good interest rate and the checkwriting feature. I moved them to Treasury Money Market following the COVID crash and eventually switched to a HYSA like everyone else. This news makes me feel even better about leavi...
by mokaThought
Fri Jan 29, 2021 11:15 pm
Forum: Personal Investments
Topic: What to do with GME holdings?
Replies: 94
Views: 10391

Re: What to do with GME holdings?

OP: Rebalance your portfolio. Go back to your original percentage of GME in your portfolio if you feel like you still want skin in the game.
by mokaThought
Thu Jan 28, 2021 8:28 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15725

Re: 2021 Hedge Fund Contest

Well well well... AAL is way up in pre-market trading. https://twitter.com/markets/status/1354779676804308997
by mokaThought
Fri Jan 22, 2021 2:46 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15725

Re: 2021 Hedge Fund Contest

Okay...who shorted GameStop? Fess up.
by mokaThought
Thu Jan 21, 2021 12:10 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 77
Views: 6958

Re: Why Vanguard?

Twenty threads in the past three months could have been named, "Why, Vanguard?"
by mokaThought
Sun Jan 17, 2021 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Post when you have received various tax forms
Replies: 87
Views: 6499

Re: Post when you have received various tax forms

Received 1099-INT from American Express Bank in the mail last week.
by mokaThought
Sun Jan 17, 2021 12:06 pm
Forum: Personal Investments
Topic: Vanguard short-term treasury ETF tax efficiency
Replies: 6
Views: 497

Re: Vanguard short-term treasury ETF tax efficiency

Echoing what @anon_investor said about ETF SEC yields vs. the PenFed account. That's just the nature of interest rates right now. To add: I bought a house within the past year, and convincing the mortgage lender that funds in Vanguard Federal Money Market Fund and SHV (iShares Short Treasury Bond) w...
by mokaThought
Sat Jan 16, 2021 4:20 pm
Forum: Investing - Theory, News & General
Topic: PSA: Fixed AA with 5/25 rebalancing works!
Replies: 85
Views: 7324

Re: PSA: Fixed AA with 5/25 rebalancing works!

Semi-annually + major market movements has worked best for me historically, and the "annual" point just happened to be march. My target 70/30 had run up to around 73/27 prior to the COVID crash. I rebalanced afterwards and have been rebalancing about once a month since. The overall portfol...
by mokaThought
Sat Jan 16, 2021 2:05 pm
Forum: Personal Investments
Topic: AA and the G Fund
Replies: 22
Views: 1373

Re: AA and the G Fund

What am I looking at on the new TSP website then? I see that in 2020, the G fund returned .97%. In December of 2020, it returned .07% though. I guess if that is a literal monthly return, it would equate to 1.0007^12=.843%. Assuming the last reported Dec 2020 return is about equivalent to the Jan 20...
by mokaThought
Fri Jan 15, 2021 11:19 am
Forum: Investing - Theory, News & General
Topic: Index-Fund Trillions Are Distorting Prices in the S&P 500
Replies: 8
Views: 1940

Re: Index-Fund Trillions Are Distorting Prices in the S&P 500

If S&P 500 stocks are so overvalued, I should be a genius and short the bottom 25 stocks, right? 😬
by mokaThought
Wed Jan 13, 2021 2:38 pm
Forum: Personal Investments
Topic: China still an emerging market?
Replies: 29
Views: 2337

Re: China still an emerging market?

If you must overweight EM and are concerned about the classification issue, you could avoid it by holding IDEV (iShares MSCI Developed Markets ETF), EMXC (iShares MSCI Emerging Markets ex-China ETF), and a China ETF at your preferred weights. But as others have pointed out, China will continue to be...
by mokaThought
Wed Jan 13, 2021 5:35 am
Forum: Personal Consumer Issues
Topic: What is so special about the Toyota Tacoma?
Replies: 97
Views: 10499

Re: What is so special about the Toyota Tacoma?

I own a 2011 Tacoma with the TRD Sport package with about 112k miles. It's never broken down on me, and the 4WD has worked well through some serious snow storms. If I had to do it again, I'd shell out the extra $3,000 for the double cab, full-length bed rather than the "access cab" (backwa...
by mokaThought
Sun Jan 10, 2021 2:04 pm
Forum: Personal Investments
Topic: [Should I open a Robinhood account?]
Replies: 50
Views: 2740

Re: Robinhood

Anything I could want to do on Robinhood I could do on Fidelity better. I can even order limit trades on fractional shares.
by mokaThought
Sat Jan 09, 2021 11:46 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renewal time - any discounts?
Replies: 87
Views: 11794

Re: WSJ print edition renwal time - any discounts?

I dont find the WSJ offers good content anymore, and often slants their editorial views into the territory of financial noise, not news. Why not save the money and ignore the financial and media noise Newscorp is pushing? I'm a new subscriber, and I've actually been really impressed. I'll go so far...
by mokaThought
Sat Jan 09, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: $900 Dyson Floor Lamp
Replies: 13
Views: 1627

Re: $900 Dyson Floor Lamp

mhalley wrote: Sat Jan 09, 2021 3:51 pm Why would anyone want such a cheap lamp? You need something like this to illuminate your $5000 watch.
https://www.perigold.com/lighting/pdp/t ... html?piid=
$17,300 for a lamp, and it doesn't come with the bulb. :annoyed
by mokaThought
Sat Jan 09, 2021 3:53 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15725

Re: 2021 Hedge Fund Contest

It has come to my attention on another thread that some people take this contest seriously, aka as the actual predictions of the forum members on stocks that will and will not perform well this year, rather than the tongue-in-cheek commentary on hedge fund managers that it is meant to be. To restor...
by mokaThought
Sat Jan 09, 2021 1:59 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renewal time - any discounts?
Replies: 87
Views: 11794

Re: WSJ print edition renwal time - any discounts?

I dont find the WSJ offers good content anymore, and often slants their editorial views into the territory of financial noise, not news. Why not save the money and ignore the financial and media noise Newscorp is pushing? I'm a new subscriber, and I've actually been really impressed. I'll go so far...
by mokaThought
Sat Jan 09, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renewal time - any discounts?
Replies: 87
Views: 11794

Re: WSJ print edition renwal time - any discounts?

eBay worked for me when buying a digital subscription. Well, re: eBay, I DID buy a 5-year WSJ digital subscription (based on other BH recommendations.) However, today, (after 1 year), it "died" on me. I contacted the seller and his email didn't work mysteriously (or not). Not sure what my...