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Try finding information on other funds at the beginning of the month at Vanguard.
Poke me on Sept 1 and I'll give it a try (and also look at data available on other sites then).
Try finding information on other funds at the beginning of the month …
You can snack here: https://www.etf.com/etfanalytics/etf-comparison/USFR-vs-TFLO
Nice, though its duration numbers (5.10%, 5.20%) are something else (yield?)
Vanguard has an OEF/ETF comparison tool that gives similar performance and tax comparisons to the M* fund compare tool, though it lacks the risk (Sharpe ratio) and portfolio data (turnover, duration, etc.) comparisons of the M* tool.
https://person…
If you can find it [at Vanguard], their screen hasn't been updated since the oughts.
https://personal.vanguard.com/us/FundsMFSBasicSearch
Remove Vanguard from the family list, add D&C. The screener returns all seven D&C funds, including …
Fidelity certainly demonstrated some stupidity, or perhaps laziness - by saying that all funds were eligible for auto investment (they aren't) without even checking; by telling me to post a feedback on the webpage instead of engaging in a conversati…
ISTM with auto invest you could switch it on on for a single purchase? And than turn it back off?
You have to enter at least two dates, but you can turn it off after the first one executes.
$5 beats $49.95.
It beats the $75 fee for D&C funds by…
That's as good an explanation as any, and likely better than we're going to get from elsewhere. Though it is odd that not only have the funds vanished from the main (not fund) search engine, but the entire family has vanished as well.
https://digit…
Yogi's first link is the MF screener I was referring to. (When one files feedback at Fidelity, one files it from a specific page, which is why I didn't include the URL to the screener in my feedback post to Fidelity). Do you see D&C in its li…
Recent (2022-2023) ZEOIX decline aside, my take back in 2017 was that ZEOIX at the time had slightly better performance than RPHIX but wasn't worth the extra volatility. "If I'm looking for an enhanced cash fund, I'm quite willing to give up a bit o…
We are not using any cloud-based storage for our personal documents. Much more secure to store them on our external drives.
Agreed. For physical security one still wants to keep a copy in a secure location (off-site or in a fireproof safe). 19th…
SECURE Act 2.0 Section 307 (see p 2237(!) here) amends IRC Section 408(d)(8) by adding a new subsection (F).
This new tax code provides for a QCD to any "split interest entity" (408(d)(8)(F)(ii)) including (I) a CRAT, (II) a CRUT, or (III) a chari…
Don't let names of services confuse you. PAS at Vanguard and PAS at Fidelity are two different animals. PAS at Vanguard is a hybrid robo advisor, similar to Fidelity's GO (assuming AUM of at least $25K). Fidelity defines the service this way:
…
I didn't see any mention of the word fiduciary in the parts of the article about PAS.
Our advisors offer:
Relationships built on a fiduciary duty to always act in your best interests.
https://investor.vanguard.com/advice/personal-hybrid-robo-advisor…
I know that discretionary accounts may provide a fair amount of flexibility in parameters you provide, such as excluding particular stocks (for accounts that buy individual stocks). It sounds like PAS is offering you the flexibility to express pre…
It certainly would make using MFO superfluous, as it looks like they take complete control over all your assets, at least for larger accounts.
That's the idea of a discretionary account - you specify the parameters and the manager, well, manages t…
Let us know whether PAS puts you into any of their three PAS-only funds (VADGX, VAGVX, VAIGX) or into VHCAX / VHCOX (closed except to Flagship and PAS customers).
https://corporate.vanguard.com/content/corporatesite/us/en/corp/who-we-are/pressroom/P…
According to several web sources, Treasury simply uses this formula for Coupon-Equivalent Yield of T-Bills,
Coupon-Equivalent Yield = 100*[(Par Value - Purchase Price)/Purchase Price]* 360/d, where d = days to maturity.
Which just goes to show tha…
Important point:
investors who trade directly with T. Rowe Price can open new accounts in the funds.
Don't look for these funds to be open via brokerages.
I don’t own or track a single bond fund that has produced an average annual return approaching 5% over the past 5 or 10 years
Neither do I, but some posters here do track or own BGHIX / BGHAX. This fund has returned at least 5.5% annualized over …
DBRS Morningstar confirmed the United States of America’s Long-Term Foreign and Local Currency – Issuer Ratings at AAA.
In addition, DBRS Morningstar confirmed the United States of America’s Short-Term Foreign and Local Currency – Issuer Ratings at…
When interest on a CD is paid, or a CD matures, they automatically transfer that money to what my statement just shows as "Brokerage", which I suspect pays very little interest.
Brokerages typically offer to hold your "free credit balance" (cash) …
Taking income and doing Roth conversions are just two of many ways that you could wind up in a high tax bracket. Another way is simply getting paid a lot of money. Taking IRA distributions (whether for RMD or for other reasons) is likewise just a…
FWIW, DBRS (also an NRSRO) confirmed its AAA rating of United States debt on July 28th.
https://www.dbrsmorningstar.com/issuers/12866
All NRSRO ratings of the United States (has not been updated to reflect Fitch downgrade).
https://tradingeconomics…
It used to be that munis had less credit risk than taxable bonds with equivalent credit ratings. That is, a BBB muni was as safe an A-rated taxable bond. This all changed a dozen years ago when muni ratings were "recalibrated". Now, the risk of…
these middlemen / brokers have been buying up the insurance companies that cover prescription drugs. One they bought is Optum RX
The corporate structure is a bit more muddled than that. The major presecription benefit managers (PBMs) are owned by…
All you see on TV nowadays are commercials about drugs.
The US and New Zealand are the only two countries that permit prescription drugs to be advertised on TV.
For how this all started, here's a 2021 Planet Money piece, "This Is Your Brain On D…
Has VUSXX been less state tax exempt than VMFXX in recent memory?
What matters is whether VUSXX returns more, after tax, than VMFXX.
Typically it yields less than VMFXX on a pre-tax basis. In a tax sheltered account, that's all that matters. …
Notable, sure ---- but how long did he have to hold the position to see that gain? IIRC that's been a dog stock for well over a decade and I suspect he's been underwater for most of it as their largest shareholder.
As a result of these promising de…
VUSXX is yielding higher than VMFXX and is 100% state tax exempt.
One third of its portfolio is currently (June 30th) in repurchase agreements. Those are not state tax exempt. The fund has owned even more than a third at times this year. 2023 …
But not the whole truth. The first quote continues: "This can be seen in its five-year alpha calculated relative to the category." The second quote continues: "lagging both the category benchmark and average peer over the past 10-year period."
O…
You're looking for Table II. That is in Pub 590B here:
https://www.irs.gov/publications/p590b#en_US_2022_publink100090290
Table I (which you can find by scrolling up from Table ii) is used for inherited IRAs. Table III (scroll down from Table II…
"You can’t avoid the S&P completely if you’re in domestic equity funds."
Seek and ye shall find: VEXAX / VXF invests in the S&P 500 Completion Index. Whether completely avoiding stocks in the S&P 500 is a good idea or not is a differe…
Every fund and every broker handles these things differently.
I once owned a BlackRock fund, service class shares, at Fidelity. That was the lowest ER noload share class I could buy. Once the (slightly cheaper) A shares were offered NTF, I ask…
Ask Fidelity to convert the GLFOX shares GLFIX. Assuming that Lazard will allow it, the transaction should go through without a transaction fee since you're not buying shares, just converting them. (I've done this type of transaction a couple of …
GLIFX - $10K min in Fido IRAs, $100K min in taxable accounts.
At Schwab, the min is $2,500, but you don't have Fidelity's trick of paying $5 for additional shares. (OTOH, some people claim to have gotten Schwab to waive its TFs.)
At Vanguard, min…
Stuff happens.
Cellphone towers can get overwhelmed during disasters, whether natural or manmade. Landline service is designed to prioritize emergency calls, drop inbound calls if they can't be completed, and queue dial tone so that one can still…
I tried it a few moments ago and it flipped back to the M* home page, but when I tried it again it worked. Seems more like M*'s general ineptitude running a website than a termination of this feature.
The P/E on the ones I saw (traditional style, highly regulated) were way too rich.
Hawaiian Electric here is not an independent company; it's owned by American Savings Bank. That's just weird
You may have the hierarchy upside down. HE owns Amer…
