Investing - Theory, News & General • Re: Purchasing MYGAs (multi year...
AM Best announced a three step downgrade of the A-CAP companies, from B to C+, with the companies still on negative outlook. The rationale listed in the press release sounds pretty dire....
View ArticleInvesting - Theory, News & General • Re: Have you switched brokerages...
I closed my taxable Vanguard brokerage account a few years ago when I created an estate plan with an estate planning attorney. Vanguard doesn’t permit transfer on death (TOD) for their taxable...
View ArticleInvesting - Theory, News & General • Re: Vanguard Flagship Tier still...
I know nothing about Flagship status, past or present. I do know that we have a personal VG rep who has at times been quite helpful. It seems that this happens automatically if your household accounts...
View ArticleInvesting - Theory, News & General • Re: What has been your biggest...
Down ~45% in 2008-09. This was by far my biggest scare. I knew that financial crises can have very long tails. And further we had saved nothing (outside my pre-tax retirement accounts) for the...
View ArticleInvesting - Theory, News & General • Re: Vanguard Dividend Growth...
just wait as the realized gains continue to pile on. as of 8/31, now up to $4.50 or almost 13% of current NAV. This dog remains in the 90+ bottom compared to other funds past 4+ years. These two...
View ArticleInvesting - Theory, News & General • Re: Efficient Market Hypothesis...
Sorry, didn't realize that was AI generated - how about this one: https://economics.town/money-financial- ... ypothesis/Fama’s 1970 paper doesn’t have those assumptions and doesn’t even mention...
View ArticleInvesting - Theory, News & General • Re: [Portfolio advice requested for...
Maybe not a great idea? what is a "small amount?" What is a "little fun?" This is how lottery winners end up broke.A new PC and a tattoo lolThe size of the settlement matters.Most people wouldn't be...
View ArticleInvesting - Theory, News & General • Re: TIPS vs Equities: long term...
returns adjusted for inflation for TSM vs US TIPS since 2002 according to Testfolio:https://testfol.io/?s=ae0jUVMKwcfHowever, you might be asking the wrong question. Will you only be withdrawing from...
View ArticleInvesting - Theory, News & General • Re: why i say the efficient market...
Bogle wrote about it and mentioned that he hadn't yet heard of the efficient market hypothesis at the time he was launching the Vanguard 500 Fund, and that it is a nice-to-have but isn't required to...
View ArticleInvesting - Theory, News & General • Re: Paradigm shifts in investing
One thing I can find fault in in the 3 fund portfolio is the TBM part of it. That did not work out so well in 2022. If you have a long time frame before needing the money, not a big deal but I do see...
View ArticleInvesting - Theory, News & General • why i say the efficient market...
first off, it calls itself a "hypothesis" but scientific hypotheses must be falsifiable so we already know it an imposter.secondly, investors like warren buffett wouldn't exist if they believed the...
View ArticleInvesting - Theory, News & General • Re: Decrease in 2026 dividends -...
Distributions from the Vanguard Total International Stock Index Fund are notoriously volatile and difficult to forecast. Like you, I've noticed the huge % drop in distributions this year compared to...
View ArticleInvesting - Theory, News & General • Re: ID.me Trouble at TreasuryDirect....
As was mentioned she can authorize you to transact in her account from your log in. If this is authorized now, I think she won't have an immediate need for id.me, since you can then manage the account...
View ArticleInvesting - Theory, News & General • Re: Treasury Direct [and other...
I have an IDme for IRS. Today I tried logging into Treasury Direct (TD) with that login and it, i.e. TD, is asking me to create a new account..After I entered all the information TD says there exists...
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Investing - Theory, News & General • Re: Individual Stock Confession
what do you think?I think I am glad that I adopted index investing sooner rather than later. And that I am appreciative of Forum members, like you, who are so generous with sharing their insights....
View ArticleInvesting - Theory, News & General • Re: Why the 30-day T-bill earns its...
Classical finance requires a risk-free rate as a benchmark against which the return on risk can be measured. Can’t price risk effectively without a zero-risk foil.In, for example, the Sharpe ratio, or...
View ArticleInvesting - Theory, News & General • Re: Risk in buying MYGA rated less...
I am cautious and dipping toes in with insurers rated A+ or higher. I am curious about buying MYGAs from lower-rated carriers (B++ or lower) and want to understand the risks. I'm looking to understand...
View ArticleInvesting - Theory, News & General • Re: Vanguard Flagship Tier still...
A VG rep told me yesterday that VG is planning to add services or benefits for Flagship level customers soon — including a dedicated rep who can serve as a single point of contact for the customer’s...
View ArticleInvesting - Theory, News & General • Re: Where to invest cash you don't...
SO..... I would think the best plan for cash you might need by early 2028 but not before would be to buy TIPS maturing in early 2028.CorrectStatistics: Posted by dogagility — Fri Sep 18, 2026 7:13 pm
View ArticleInvesting - Theory, News & General • Re: Fund selling at discount to NAV
The primary reason is the fixed share count. CEFs have no mechanism by which they can create or redeem new shares at NAV like ETFs so their prices are mainly a function of what the buyers and sellers...
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