Bndw reddit Re: Boring but important: Vanguard's Total World Bond ETF (BNDW) seems worse than holding its constituents (BND and BNDX. We got it at babiesrus in 2016. 3 important things: He and my mom will have Original Medicare + a supplemental plan to minimize any medical expenses in old age. Current yield to maturity of BNDW is higher than BND. overall but i see BNDW & VCLT are a bit more diversified and yield better. 01% interest savings bank account. Crypto I'm noticing some tearing on the green band finally but they have lasted a long time. My point was that you can make a reasonable 3 fund portfolio using just treasuries so that saying someone who likes VT should also pick BNDW (for the exact same reasons) is overstating the case. BNDW us not likely to provide either over the next year. I saw that bandlab just added a new feature where we can share our custom vocal presets. The only thing that seemed crowded were the ferries out to Marado and Kapado which were full but not impossible to get on. I did everything split in this way so that I could claim the foreign tax credit (USA) for BNDX + VXUS, but after thinking on it more, I don't really want to deal with portfolio rebalancing when the tax credit value isn't that mean BNDW looking kind of sad lately, but Ibonds will always be 0% real gains so not sure if they fit the asset allocation for a 3-fund portfolio Archived post. Internet Culture (Viral) Amazing; I’d rather buy something that contains both VT and BNDW preferably in a 60/40 ratio is there any such ETF? Archived post. Reply reply Sell BNDW to buy I-bonds, or just buy I-bonds separately? If I had $10k of BNDW in a brokerage account, I world sell it to buy I-Bonds yes. Does this mean this loss on BNDW’s cost is just temporary and a rebound is 100% guaranteed? 19 votes, 29 comments. BND/W vs VGIT). Payout Ratio n/a. Do not request/engage in r/TheSmileTheBand: The Smile The Band: Jonny Greenwood, Thom Yorke, Tom Skinner Find the latest Vanguard Total World Bond ETF (BNDW) stock quote, history, news and other vital information to help you with your stock trading and investing. Ex-Dividend Date Dec 24, 2024. Top. Up til now I’ve just been doing VT + BNDW and calling it a day but doesn’t this leave out that section of the market or have I got that wrong? Thanks! Apologies if I’m mistaken, the Finland-hosted Lemmy instance—a Reddit alternative. That said, I would also recommend BNDW in many/most cases. When to get into BND or BNDW in current conditions in new Roth IRA I am starting to fund my Roth IRA over the next several years. Their most recent EP is Autumn Crossing, released this past Fall (2023). I'm gonna get some handles soon. BNDW/BND . BNDW is an aggregate bond fund covering a range of maturities of bonds across the entire world, whereas BSV is short-term US bonds only. Added ibonds last year. So if you had $10K invested at the end of 2020 by the time you got to the end of 2021 you would have paid $102 - $6 to Vanguard that they take out of the asset price and $96 owed in taxes. Reddit rules and Reddiquette apply to this subreddit, as it does to any other. Here's the proof, those are two photos of an older band I broke that is molded (not the traditional layered) and has 2 layers one on top of each other https://ibb. Vanguard Total World Bond ETF (BNDW) - Find objective, share price, performance, expense ratio, holding, and risk details. Besides what other commenters already explained, I'll add my opinion that VGSH could be a better option for short-term savings goals than BND for two main reasons: 1) it's good to invest in bonds with a duration similar to your investment horizon (aka duration/liability matching), and 2) the credit risk premium seems to be fairly highly correlated with the market, and with short There's the recommended routine with resistance bands version and Gamerbody's free resistance band routine. Tax questions about BND vs GOVT; BND+BNDX vs BNDW . FACEIT is the largest platform for competitive gaming on CS2, DOTA 2, League of Legends and many other games. We had no knowledge of investing but I did some reading and started helping him invest in 2020 starting with a two fund portfolio of VT and BNDW (60:40) after reading about a couch potato approach on Bogleheads. According to this spreadsheet, the tax + fee % of BND last year was 0. If You Have Ghost (EP) Loma Vista * Universal Release Date: November 19, 2013 Meliora Loma Vista * Universal Release Date: August 21, 2015. The bond market is efficient too so BNDW should have the mix with the highest expected return over the given risk tolerance. In a taxable treasuries are also a little more tax efficient. BNDW has a dividend yield of 3. You can ditch the four fund portfolio and just go two funds, VT and BNDW. Delve deep with our My dad (born June 1956) is 67, still working a 9-5, draws around 100k pa. To do this, it comes down to this portfolio: VTI VXUS BND BNDX. reReddit: Top posts of March 22, 2021. Here's some good reading if you want to research it a bit: I had the same issue. The developer supported, community-run subreddit dedicated to the Fortnite: Battle Royale game mode by Epic Games. No wife, no kids, but I took a few years off from work to take care of a sick parent, and now I'm starting my own business in a new field from what I worked in before, and I expect income to be erratic for the next few years. I went back to the gym but I may come back to the bands and if I do I'm going to stick with Clench Fitness. us – one of the world's premier stock analysis tools. Delve deep with our VT + BNDW is solid for complete diversification, just have to watch the international tilt across both funds to see if it’s more than you’re willing to expose yourself to. Vanguard has a life strategy fund called VASGX which is 80% equity and 20% bonds which I feel would be fine long term as my Roth will become 60% bonds. So, after 7 years, you will break even, and after that, you will be ahead, since you will be compounding at a much higher yield than you would otherwise (the coupon payments will buy more shares of BNDW at the lower price than they For me it's the drummer of iDKHOW (initially a duo) recently getting booted for stealing $26,000 from the lead singer and committing identity theft. Is having total world bonds simply better for diversification? Thanks! Archived post. comments. I suggest VT 75% and BNDW 25%. The first time we played it he didn't even bother to attempt to learn the lyrics. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. This is totally a guess, so don't take it too seriously. Locked post. View community ranking In the Top 5% of largest communities on Reddit. 02% of your total investment each year. $2. Short version: SEC Yield doesn't account for currency hedging, which has increased BNDX's actual distributions, and BNDW's yield is based on the actual distributions from BND and BNDX. Im thinking BNDW is great, it’s a very low-cost fund BNDW vs PGBIX Have several questions. The person who retired in the year 2000 with $1M, a portfolio that was about 60% VT and 40% BNDW, and using the 4% rule of thumb to withdraw $40,000 per year (inflation adjusted) has seen their portfolio hold steady and even grow a little by now and they should be relatively safe to keep withdrawing into their sunset. In /r/bandmembers, you need to give before you receive. The mi band 6 is amazing but it has a few cons. It's pretty small potatoes As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. The biggest community on Reddit related to bonds. 33 votes, 28 comments. 91% and paid $2. 376K subscribers in the Bogleheads community. I am starved for fixed income options here in Japan (Non-American). 6. I’d generally recommend BNDW over BND for the bond portion of a portfolio, but BND will probably do fine too. Thanks! comments sorted by Best Top New Controversial Q&A Add a Comment. BNDW is currency hedged as well, so it preserves the stability that is required of bonds. March is the low season in Jeju which is kind of a relief. For deadlift, I use the heaviest band (plus a low band now as I progressed), and widen my feet to increase resistance. BND is currently yielding 4. But if they sell their entire BNDW position (or at least the entire position bought within the last 30 days) and then do not repurchase BNDW within the next 30 My current plan contains a 60/40 split for the stock allocation between VTI and VXUS and a 70/30 split between BND/BNDX for bond allocation. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; - BNDW (which is 50% BND and 50% BNDX (International Bond Market)) - VGIT (Intermediate-term treasuries) Reply reply As to the why, my best guess is that it's due to the inception date for BNDW being 2018 vs 2008 for the first share classes for VT/VTWAX. For calf raises I moved from heaviest band with Don't ever try and get Garageband on windows, every single website is either some seriously inexperienced person or a straight up virus. You want what's best for the long term. Also started maximizing 401k recently. chillpenguin Posts: 64 Joined: Thu Jun 04, 2020 11:42 pm. 2nd is that the silicone band is so easy to contact scratches as well as the display so u'll have to get a screen protector. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Hi, I’m looking to buy a resistance band for face pulls and pull aparts. The band chose a new cover to do for an upcoming show. Or check it out in the app stores I’m a college student just getting into investing and I’m wondering whether it is better to go VT and BND or VT and BNDW. Business, Economics, and Finance. Welcome to StockInvest. As far as international/emerging markets, some people use BNDW for a total world bond exposure. I don’t think the prior version included anything about Nant paying the $125M—but it did include it in the walk-away scenario, as does this updated version. Also available as an Admiral™ Shares mutual fund. Of course, there is asset allocation across tax-sheltered accounts and other nuances. Also, it may be worth substituting BNDW for BND to get international exposure. Serving as a central forum for users to read, discuss, and learn more about topics related to the economic discipline. Dividend Yield 3. The hardest part is the grip. Infestissumam Sonet * Loma Vista Release Date: April 10, 2013. It was like listening to your friends garage band project to a fully fleshed out banger of a band. The mi MO2040 wrote: Thu May 25, 2023 6:25 pm I have a simple two fund portfolio: VT + BNDW. I purchased BNDW at an average of around 81 last year and it’s gone down to 71. If it were my money, I would probably use VGSH instead of BNDW right now. With a stock-heavy portfolio, if you want to take additional risk on the bond side, keep BNDW. beginner 20 y/o investor who just put in $50 in BNDW, $250 in VOO, and $200 in VT on a ROTH IRA. This is why we have an opioid crisis. I'm portuguese I 100% agree, many portuguese drivers are absolute cunts. Global version of mi band 8 was released months after China region. VGSH a short term treasury ETF is currently yielding 4. Windir is my favorite band and has changed my life. Thinking 60% VTI, 30% VXUS, 10% BND for at least the next half decade. Kid is sick, partner had to leave town for work, sitter called out and we had to put the cat down so I’m honestly just too 6. And there’s also BNDW, which is sort of the VT of the bond world—it contains both US and international bonds. Reply reply ExplorerCommercial49 Been mostly 80-20 VTI/VXUS for half a decade now, in late 30s almost 40 and starting to want to shift towards some fixed income (BND). There's a placement velcro for under the belly, the elastic that goes behind and velcros to the placement band, and another stretch band for over the belly. HANDS DOWN!! I can listen to every album back to back and enjoy them all. Market downturn has screwed up the portfolio and I don’t really know how to rebalance in Fidelity website. BNDW – Vanguard Total World Bond ETF – Check BNDW price, review total assets, see historical growth, and review the analyst rating from Morningstar. It is not a place to advertise your band. 9K subscribers in the StockInvest community. First of all it's tiny and I'm not a fan of the aspect ratio. That said, I’m not as familiar with bonds as I am stocks, so I may be mistaken about this. Can someone with more expertise please confirm whether or not my suggestion to substitute BNDW for BND is supported by the literature or not. 8 times out of 10 when I start overtaking a car, they will start accelerating either making me have to cancel my manuver or accelarate further to the point where I might cross the speed limit. Annual Dividend . New comments cannot be posted. co/4Y8fht6 https://ibb. Or, maybe I’m wrong, I’m not really sure. I use it for walks at 28wks so my belly muscles don't get sore. I’ve invested 50k of the above savings into a two-fund portfolio (VT+BNDW) for him in a 60:40 ratio, and plan to invest the rest in the next few months, leaving aside only 20kish for emergency funds. It's not safe to just make an assumption by extrapolation, that because one molded band you r/lastdinosaursband: Sub for fans of the band last dinosaurs Probably because this is the first result on Google when you search " best cheap smart watch reddit" Reply reply I'd say look into one of the Amazfit devices, if you don't need music control then I'd say look into the Xiaomi/Mi Band 7 Pro. New But it seems like BNDW has just been stagnant throughout the entire time with tiny price movements, that it feels like the money is in a 0. They're different from one another and have different risk profiles. So for BNDW with the default tax brackets I used, it shows you that you will pay 1. No r/ResistanceBand: #1 resistance band community for building strength, size and endurance This is a place for musicians who play with other musicians. I use the SAME vocal presets for all my songs & i ALSO apply it to any vocal collabs (with EQ adjustments based on voice pitches) Opus Eponymous Rise Above * Metal Blade * Trooper Entertainment Release Date: October 18, 2010. There’s a good discussion with some linked sources in this blog post on the 3-Fund Portoflio which offers this conclusion: . Let's say he has $500K now, allocated $300K stocks $200K BNDW (that 200 is probably lower, but let's just go with these numbers). Currently invested in VT and BNDW separately at 60:40. Posts seeking to share music and seek other band members are only allowed under the 1 in 10 rule. And there's no other band who has the sound and plays like they do (that I Irish domiciled equivalents of VT and BNDW [deleted] Archived post. I-Bonds give birth absolutely with the biggest draw back being the $10k limit. Get the Reddit app Scan this QR code to download the app now. Be respectful to others and their opinions. Share Home; Popular; TOPICS The most amazing place on reddit! A subreddit for sharing, discussing, hoarding and wow'ing about Dogecoins. BND is just going to drag down your overall performance. Sell the $200K BNDW and put it into the money market. e. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with Thinking of a portfolio with 80-90% VT and the remaining part is for bond etf. IMO not worth waiting, they will add like another 54 sport activities and probably nothing more because idea behind mi band was cheap fitness tracker and mi band 8 is already doing that pretty good, AOD was probably the biggest change in several years and for few ahead of us. Popestar (EP) Loma Vista * Universal Release Date: So I want to add bond allocation to the taxable but it's causing a issue with my one fund preference since I would have to add and manually rebalance BNDW. Like this guy is so good, that it gives being a one man band a new meaning. At the end of the day, Reddit . I am looking to buy BNDW for bonds but I was wondering if there is a place where I can look up historical returns on US + Ex. It has more interest rate risk with the addition of credit risk. This fund is a Vanguard Fund, wrapped by a major securities Corp. My portfolio is in Japanese mutual funds, but it is basically VT+BDNW FTSE World Government Bond Index FTSE Global All Cap Index MSCI All Country What Bond Fund Should You Hold? If your crystal ball is cloudy about the future, I would suggest choosing either the Total Bond Market Fund or the Intermediate Index Fund if you are investing in a tax-protected account and the Intermediate-term Tax-exempt Fund in a taxable account. Or check it out in the app stores     TOPICS. There’s no good reason to consciously avoid international bonds, but there’s also no good reason to embrace them either; it’s unlikely to help your portfolio, and it’s unlikely to hurt it. 48%. Any thoughts on this move? BND: yield 1. VAGP is the EU (Irish) For my BNDW investment in fidelity brokerage account, does the “total gain/loss” include the total dividend income it has generated over time? Official Response As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity A high-level overview of Vanguard Total World Bond ETF (BNDW). And probably too lazy as well. 35%, YTD return -3%, ER: 0. co/pw1hFJv. r/RealEstateTheBand: Talking about all things Real Estate and related (Martin Courtney, Julian Lynch, Alex Bleeker and The Freaks, etc) I just don't understand why BNDW isn't eligible for the foreign tax credit. It's crazy to me because I've never known any other band that I don't skip a song on. This ended up being leaked by the lead singer's ~70 y/o mother in law on Facebook as well as Ronnie Radke, and after this all went down, the Compare BND and BNDW ETFs on current and historical performance, AUM, flows, holdings, costs, ESG ratings, and many other metrics. 91%. The logic that leads to VT, also leads to BNDW. It's an ETF of ETFs (holds BND and BNDX not actual bonds) so I am trying to figure out what to do for the bonds part of my portfolio, do you guys have any I would like to use VT ETF, Korean Bond ETF, and BND or BNDW. If they sell shares for a loss, the loss is allowable unless they still hold substantially identical shares purchased within the last 30 days or purchase substantially identical shares within the next 30 days. BNDW is an "ETF of ETFs" composed of two of VG's bond ETFs: BND and BNDX: . And it takes pressure off my back. As long as I’m staying away from target date funds, it doesn’t seem too unreasonable. I’m new to resistance bands so I don’t know which brand and thickness to buy. BNDW has a duration of 7 years. Then invest the $125K over the next year into stocks until you are finally $425K/$75K. What public assets are not included in VT? For example I think high yield bonds are't in BNDW, any other examples? This isn't quite right. This will be stable portfolio as at your age you cannot take much risk. Here’s your answer in a backtest to demonstrate the point. Reddit . Vanguard Core Bond ETF (VCRB) Vanguard Core-Plus Bond ETF (VPLS) Vanguard Core Bond Fund (VCORX/VCOBX) Vanguard Core-Plus Bond Fund (VCPIX/VCPAX) It's a mistake to look at it from the perspective of what's best for the current market. Delve deep with our If someone asked me for RX pain meds after a filling, I would immediately dismiss them as a patient. What I’d really love to see if something like BNDW but that excludes Corporate Bonds — that way you’d be getting the total US treasury curve and also exposure to foreign government treasuries too (iirc BNDW only includes bonds from “reputable” countries so no junk bonds and the like). BNDW is a more attractive investment now than it was when you put 40% of your Dad's assets I think BNDW is pretty good. I know we don’t market time here, and I would never suggest that someone try to predict what stocks will do, but bonds can be slightly more predictable. If you want to do that, I'd look up the ratios between US/developedl/EM in the BNDW prosptectus and combine your AGG, developed, and em bond etfs to match the proportions in BNDW. 66 per share in the past year. on the right track? Investing Questions i have also put in $130 in FTEC, $113 in O realty, and $200 in VWO in a taxable brokerage at fidelity View community ranking In the Top 5% of largest communities on Reddit. However, it doesn't actually cover the entire bond universe as it leaves out TIPS (I'm late 30's so There’s no point in holding BND unless you’re in the distribution phase. I hold VOO, VXUS, & BND. We went down there a week or two ago and got a free return leg on the air tickets. r/Nounsband: For fans of the band "nouns"! I’m doing an art piece for someone based off the album and the album cover. It's simple consistency. The sky is falling for Intel Macs. Taxation of dividend paying investments, when investing from Finland. That said, it’s not necessarily a great idea to keep short term savings in a bond fund since there’s a risk of loss (albeit less risk than a stock fund). I’ve seen some peeps on here suggest that bond funds or ETFs should be kept in a Roth, why is that? Why not a brokerage? Archived post. BNDW or BND — or, BND + your own allocation to BNDX to create a pseudo BNDW. 04, Average Duration 6. 7K subscribers in the StockInvest community. You can easily pick one up for ~$100 that would be more than enough to run Garageband, and do whatever else a Mac can do. International allocation, so I just want the market to decide for itself. Software like cakewalk are good alternatives and lite versions like ableton live lite, and pro tools first are more of a 'taster' of what that software can do, without extended content like loops, samples, effects, but you still get some In months of daily finance reddit, i didnt see any posts that would guide me in my situation. Adjust it every 5 year to increase bond limit up to 5%. Vanguard’s own research has shown having an allocation for foreign hedged bonds reduces volatility without hurting overall returns (in some cases it slightly helped returns). Good luck with that. 66. The value of bonds Ina portfolio is stability and income. Are both of these total world bonds and are they both USD hedged? And what does it mean exactly to be usd hedged? Also, how do you know the right mix of long term, intermediate, and short term? And the right mix of government or corporate etc in a total world bond mix? Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. Please note that as a topic focused subreddit we have higher posting standards than much of Reddit: 1) Please direct all advice requests and general beginner questions to the daily discussion thread. 6 years, approximately 10K bonds in portfolio. You have nerve inflammation in your tooth and you will need a root canal. This subreddit is where you can express your feedback, appreciation of the platform as well as reporting and discussing issues affecting our community - . BNDW is a blend of both, reflecting it being a total world bond fund. I have a few questions about bonds etfs: The official Python community for Reddit! Stay up to date with the latest news, packages, and meta information relating to the Python programming language. Members Online. BNDW is riskier than VGIT. Dividend Growth (1Y) 6. It makes me wonder if I should stop buying BNDW and move that portion to a High Yield Saving Account or a CD as they easily offer 4-5%? 6. However you can simplify this even more and do VT BNDW and it will be more or less the same idea, just more simple and saves headroom on cost per share (since Wealthfront automated investing doesn’t have fractional shares even though it absolutely should). If you are truly planning to just ignore it for 20+ years, BNDW is a fine choice. You are likely right that if the Fed continues to raise rates existing bonds will gradually lose value. I have been in the red ever Generally speaking I would say no. I believe OP was trying to say that this is like a whole new level of being a one man band. Expand user menu Open settings menu. He's only 29, in residency and will have a fairly good income hopefully in the future. true. Then leave the $75K and have all subsequent investments go into stocks. Goose — Rick Mitarotonda [vocals, guitar], Peter Anspach [vocals, keys, guitar], Trevor Weekz [bass] and Jeff Arevalo [vocals, percussion, drums] — fluidly traverse genres with head-spinning hooks, technical fireworks, and the kind of chemistry only possible among small town and longtime friends. I’ve seen some peeps on here suggest that bond funds or ETFs should be kept at a Roth, why is that? Why‍ not a brokerage? A while ago, I started reading up on two and three fund portfolios as a passive investor, to help my dad start investing his meagre retirement savings for some growth in the long run, and have invested around half of his $150k savings into VT/BNDW 60:40 over the past year. However, if something unexpected happens (for example, stocks crash), the Fed will call off the rate hikes, BND will spike and you will be very glad you own it while all your risk assets are losing value. I’ve been using a self-made band routine (to work around a wrist injury) consisting of many isolation exercises. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; BNDW puts them together in one fund, kind of like how VT is VTI and VXUS paired. I’m sure he’ll land on his feet, but to be in a band with Rick is to be in a top tier band. I started buying BND probably at the wrong time, around $85 last year. I already replaced the tiny orange band (which was like 10 bucks or something like that) and I may replace the green band. However, some posters had mentioned earlier that the value would climb back up to 81 after the 7 year period or whatever of BNDW’s life cycle. All you’ll ever need in 2 ETFs. I remember listening to Windir's discography (demo tapes to Likferd), the evolution of production value to honing their sound was a pleasure to listen to. 23 votes, 14 comments. . I think this updated version includes interest calculations and that is the reason for the larger sum. 60% VANGUARD TOTAL Get the Reddit app Scan this QR code to download the app now. DurdenTyler2020 I’m 65 with some money in my Fidelity rollover IRA. By 2018 the writing was on the wall in terms of fund inflows for ETFs vs Mutual Funds (Exchange Traded Funds receiving the Lion's Share of all new investment $), so I suspect that they just didn't think it was worth starting up a mutual fund I'm 100% certain you're wrong in saying that those are always cutting marks and not layers. I’ve funded the Equity portion with 100% VT so I am sitting at 100% VT and maxed IBonds purchased to this point. We have written rules to support this aim and welcome those who want to learn and those who want to contribute. Those two ETF will have you cover entire world stock market and bond market as well. Stay up to date on the latest price, chart, news, analysis, fundamentals, trading and investment tools. Allocation to underlying funds as of 07/23/2021 Holdings Ticker CUSIP SEDOL Shares/Contracts Market Value * Notional Value % of funds * Total VANGUARD TOTAL INTERNATIONAL BOND BNDX 92203J407 BBDJJS1 5,168,568 $298,588,173 $298,588,173 52. So I want to add bond allocation to the taxable but it's causing a issue with my one fund preference since I would have to add and manually rebalance BNDW. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. I stopped exercising since October and started getting back on track with the recommended routine w/ bands at the start of the year, I plan to return to the undersun routine after a couple months, but I'm happy with my progress so far. Am I interpreting that % correctly? To add a little context, I max out my tax advantaged accounts (~5% bonds), but tend to think I will access them later in life so would like to have my taxable As others have noted, I'm usually the first to get nitpicky and point out that - and I even wrote an entire blog post about the fact that - corporates (which comprise about 1/4 of BND) Hey, Not sure if this is gonna get me in trouble but I have to sell my ticket to SWANS tonight at the Lodge Room. My dad is 65, about to retire and has a retirement portfolio of around 150k (60% VT and 40% BNDW) invested over the past 2 years and has about 60k Skip to main content Open menu Open navigation Go to Reddit Home Is 75/25 VT/BNDW too conservative for someone in their mid-30's? I'm in my mid-30's and I've started investing recently. So far some ppl suggested me to go for BNDW while others suggested me Regrettably I've already made some errors and am considering just switching over to VT + BNDW for simplicities' sake. Terms & Policies Only around 20 years old and hold a bit of VT, however I've been considering adding some BNDW for bond allocation maybe around 10% in my taxable account. It is basically BNDW, but currency hedged and excluding Japan. I’m with Schwab but I slightly prefer Vanguard’s funds. Get app Get the Reddit app Log In Log in to Reddit. New comments cannot be posted and votes cannot be cast. VCIT is generally a poor choice--corporate bonds are too correlated with stocks so a 100% corporate bond fund is just way too much. There is two verses both have only four lines and are basically at remedial level. I'm helping my son-in-law start his three fund portfolio. The dividend is paid every month and the last ex-dividend date was Dec 24, 2024. I love every album. Yes, obviously it's the old definition of being a one man band, but he's just that good Get app Get the Reddit app Log In Log in to Reddit. Reddit's largest economics community. Just From looking around my other options I'm interested in are BND/BNDX (old portfolio setup), just BND (unsure if this is safe enough for my purposes, up side is it would simplify things), BNDW (simplification of old portfolio but from what I've read suffers from some foreign tax issues?), VOHIX (I live in ohio), or SPAXX all the way. Try to set up Roth IRA if married help wife set it too as that will increase your yearly limit. Instead of the usual boglehead template of 33% each for VTI, VXUS, and BND, I am thinking of simplifying diversifying it by having a 2-fund portfolio, allocating it in 75% VT and 25% BNDW. Tailored for those who want to keep up to date on the pro scene, tournaments, competitive plays and figure out new tips/tricks on how to play the current meta. My original plan was to achieve solid diversification by doing the following: 1) Schwab US Broad Market ETF (50%) 2) Schwab International Equity ETF (25%) 3) Schwab Emerging Markets ETF (10%) 4) Schwab US Aggregate Bond ETF (10%) Vanguard launches new Vanguard Total World Bond ETF (BNDW) Unfortunately it's not available as a mutual fund. Is the TL;DR of Bogleheads AA strategy essentially to pick your allocation of stocks/bonds and then go buy that in VTWAX/BNDW? This is what I'm getting from all the reading I've done here. Vanguard BNDW is a combination of BND and BNDX (total international), approximately I'm thinking that BNDW is the best one for the total exposure to the US market (50%) and the Find the latest Vanguard Total World Bond ETF (BNDW) stock quote, history, news and other I think BNDW would be better because of diversification into total world vs US based bonds is Find the latest Vanguard Total World Bond ETF (^BNDW) stock discussion in I prefer BNDW to BND I think, but it doesn’t really seem like the best fit for a taxable due to how much you lose to the tax man. BOND ETF (BNDW) ¿Thoughts Im thinking this allocation: 60% VTI, 20% VXUS, 10% BNDW, 5% SMH, 5% LIT. What US domiciled bond ETF should i buy and what would the EU domiciled counterpart be? BNDW is the direct, US domiciled equivalent. In a Taxable my understanding is the ETFs have a leg up due to tax treatment (so VT + BNDW For Ben to give up a Red Rocks level touring band without real prospects of a new top tier jam band - this had to be very serious. 80 for VXUS. Hi guys, I need your opinion on choosing bonds for my portfolio, one govt and one corporate. Simple stuff. The Bogleheads wiki SEC Yield entry has a good explanation on both international bond funds (BNDX) and fund-of-funds (BNDW). Just wondering if I should go with a regular all market portfolio like VT+BNDW or buy their Assuming interest rates do not change from here, it will take about the duration of the fund to breakeven. Just because the distribution yield and share price happens to line up means nothing. BNDW has taken and even when I look at 10 year returns for BND (as it has a longer history than BNDW), it's barely 1. Payout Frequency Monthly. US bonds over the course of the last 50-100 years to have an idea how it performed in the past, to have some benchmark around how it might perform in the future. That being said it's likely not a great choice, because the ER seems higher than a mix of VBTLX/VTABX and also it does only hold international bonds denominated in US dollar. The total return of the total bond market has been steadily trending down since 1990 with an overall CAGR of 5% while the total stock market was 10%. That’s not something you just let go for “creative differences”. I am doing some funds in treasury series I bonds but that almost seems like an alternative to a HYSA to me than a bond fund equivalent. 22%. With 4gb of RAM, assuming probably your OS is using about 2 itself, Kenshi should be able to run on minimum settings, but you'll want to take steps (both in settings and in play) to make sure you To add to this, I’m a 45 yo male who has always been reasonably active with a variety of changing exercises and routines (free weights, climbing, running, swimming ) . I have a taxable brokerage account with some individual stocks I'd like to sell in exchange for VT/BNDW in an 80/20 split. The case for VGSH is much less interest rate risk and a I have a velcro one that has three pieces. Delve deep with our SCHD = an ETF that has 100% dividend-paying stocks BND = an ETF that holds 100% investment grade corporate debt bonds. Do not discuss politics, religion or other controversial themes unrelated to the band. I noticed TLT and LQD have better gains in a down market etc. Feel free to connect with other bands, share tips, or ask for help with an issue your band is having. If you want something to dampen volatility, go with VGIT. 45%. 81 vs 0. He got the same haircut as the lead singer to be able to use his face ID to further embezzle. If you haven't participated BNDW is a combination of BND and BNDX (total international), approximately 50/50 split between the two. Bond Etf (BNDW) ¿Thoughts on buying bond Etf (BNDW)? Is on its lowest price since inception date at 09/04/2018. iirc VGIT also has a bit of a shorter duration average than BND / BNDW — somebody correct me if I’m wrong but it was my understanding that shorter duration bonds had better price stability though lower return potential on the average. I've never listened to an ENTIRE album of any band and liked every single song they've produced except NILE. Is there a single VT/BNDW 60/40 self-balancing index fund for the above that I can transfer over to? Would there by any costs to make such a transfer? BNDW covers pretty much the entire bond universe (short-intermediate-long, US and Ex-US) and therefore presumably is the safest place to put your bond position in (interesting discussion here about how much diversification corporate bonds actually provide, i. I know that bonds help in case the stock market crashes, but the BNDW is making no money at all, it seems it’s as good as the money lying in my savings bank account. There have been several threads on that very topic over on r/Bogleheads. VT + BNDW. The idea is that I don’t want to be bias or overthink the US vs. pjjrmp efel dtykkh tlryu ljf vcuatil kbduzlg kqx nqk mgqdgo