Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
OJ - I really did mean that you are more respectful than 99% of the people using material from articles.
If you'll pardon me going all wonky, I'll try to explain why the points you raise don't affect whether a copyright has been infringed.
Giving …
A poster at M* noted that the free credit monitoring offered by Kroll/PBI/TIAA is for 1 credit bureau only. So, I just checked mine by logging into Kroll & under "Services", it says Experian only.
Aside from a self-destruct date (two years of se…
I don't know if you could get a response from either pbi or Kroll without [a letter], but Kroll has all the information you would expect already, DOB name address etc
FWIW, from TIAA's FAQ on the data breach:
Can I find out if I am affected withou…
I do sometimes transcribe published emails or web articles in their entirety [when] those sources are free and don't require a subscription.
@Old_Joe +1
for giving the question of excerpting material due consideration and articulating a coherent …
fwiw (ML customers): D&C funds are $20 at ML
Except for DODLX and DODEX - not available at ML at any price. Spoke with a rep several months ago who "explained" this is because ML doesn't generally sell institutional (class 'I') shares at the …
I didn't mention CDs in this thread. They're not for trading. Either you were responding to someone else or brought them up yourself.
If Schwab mentioned CD early withdrawal penalties, I'm a little surprised. Generally (though not always) bro…
Regarding Nuveen/TIAA - According to M* (see "Parent" section under TIAA funds), the rebranding of its entire asset/investment management to Nuveen was more than cosmetic. TIAA centralized virtually all its investment teams as well as all its opera…
To skew the data a bit further, my largest single stock holding constituted somewhere between 30% and 40% of my portfolio (including cash, which was a large percentage).
That was when I was young and foolish, working at my second company - a start…
I agree with you that if one wants to quickly shift from one investment to another it is much easier if the two investments are held at the same institution. However, it is no more difficult to trade TBIL than it is to trade T-Bill CUSIP 912796CS6…
I want to own funds+MM that I can trade any day when I see an opportunity.
Treasuries are just as liquid as funds. Though convenience can be subjective.
You can see below that each one of us got a $65K Retirement Income Exclusion.
Actually from…
The nearest Fidelity office is four miles from my home. There is no parking whatsoever around there.
My nearest Fidelity office is nearly 4 miles away, over in the next county. Not only is parking nonexistent, but the drive alone would take arou…
I've never tried the Fidelity brokerage but there have been so many posts on this forum complaining about problems there that I'm not encouraged to try it out.
Guilty as charged :-) I suppose it's a sinful pleasure reciting problems with Fideli…
After many bad experiences with Vanguard from top to bottom, I left a dozen years ago for Fidelity and have not regretted the choice once.
Literally or figuratively a dozen years ago? The reason for the question is that around 14 years ago (2009) …
a married couple filing jointly may exclude twice the given limit.
This makes it sound as if a couple gets a combined exclusion that's double the individual exclusion. That's not quite accurate.
The exclusion is available for the taxpayer and his…
Last year, SCOXX / SNOXX was only 18.8% state tax exempt (and 0% exempt in Calif., N.Y., and Conn.)
https://www.schwabassetmanagement.com/resource/2022-supplementary-tax-information.
Even in Georgia, with its 5.75% state income tax, after you chop …
When you get to a certain asset level, larger fund houses may give perks. T Rowe Price will let you into its closed funds (like PRWCX) if you maintain $250K there. And at $500K, they will sell you cheaper institutional class shares (e.g. TRAIX) …
Nonretirement stuff at TIAA is only for those with retirement accounts that WANT to stick around for consolidation of accounts.
Fer sure, mostly. Though TIAA does have a product or two that some without retirement accounts might want to buy. I…
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…
