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Altruist Financial Advisors, whose website includes the helpful DFA v Vanguard chart that is so often cited on this forum, seem to think Vanguards Small Value fund isn't small enough or valuey enough to be their top recommendation. Their top pick for small value, the Rydex S&P SmallCap Pure Valu...

And it will be all my fault. :lol: While rebalancing and tax loss harvesting across several accounts today, I tried to take the opportunity simultaneously to relocate some funds according to which asset classes are better suited for taxable/retirement accounts. Well, in making approximately ten tota...

The new fixed rate is just too low to be attractive for the long-term, and I don't think the 0.7% I Bond would be even a worthy alternative to a 1-year CD right now for most people. Here's my logic: We know that the initial six-month period for the current 0.7% I Bonds will have a relatively high in...

It isn't perfect, but Vanguard's GNMA fund (VFIIX) performance has been similar to IShares mbs fixed-rate ETF (MBB), which owns Fannie and Freddie bonds in addition to GNMA. Note: Only one of the top ten holdings of MBB is actually a GNMA. But because MBB is mostly (if not all) mortgage debt, it wil...

mincemeat, While I am not a tax professional, I'm pretty sure that violates the wash sale rule. If you were to claim the loss and then were audited, would you feel comfortable defending the case that the ETF is not "substantially identical" to the fund? Same holdings in the same proportion...

I-bonds are tax-deferred.

TIPS are what you're thinking of with the "phantom" imputed interest you must report each year.

ETA: Rager1 beat me to it

50%.

The other 50% is Total Bond Market, but at some point I may replace that 50% with short to intermediate term treasuries, as I'm currently reading Larry Swedroe's bond book.

I also have a good chunk of my non-retirement savings in I-bonds and, after yesterday's 3.27% auction, 5-year TIPS.

Age 35 estimated retirement at age 65 Current AA: 84% equity / 16% fixed Broken down as follows: 21% US Large Blend 7% US Large Value 7% US Extended Market 7% US Small Value 7% US Ultra Small (BRSIX) 7% US REIT 14% Int'l Large Blend 7% Int'l Large Value 7% Int'l Emerging Markets 7% US Bond Aggregate...

How convenient that my bi-weekly paycheck and thus retirement contributions will have coincided with market lows twice in a row.

Now that I said that, of course my next two paychecks will coincide with relative highs. :lol:

Do we have some Scottish golf fans on this board?

Colin Montgomery vs John Montgomery

I use three:

(1) Chase Rewards - 5% cash back on groceries, gas, and drug stores (unfortunately changing to 3% soon...)

(2) Chase Business - 3% cash back at office supply stores, hardware stores, and restaurants

(3) Discover - 5% cash back on something different every three months

Here's the tax information on their web site. Paul Good resource. These distributions are classified as follows for income tax purposes: $0.000 (0.0000%) per share is classified as Non-dividend Distribution (return of capital) and $1.680 per share (100.0000%) is classified as Capital Gain Distribut...

In addition to the excellent points from BogleHoo, I just wanted to point out a short-term complication when TLH into an ETF from a Vanguard fund. If you exchange from one open end fund to another when harvesting tax losses, you are guaranteed the close of business NAV as both your buy and sell pric...

Doc, unless it's a typo on the NYT website, that article is 11 years old.

New York Times wrote:By FLOYD NORRIS
Published: October 16, 1997