Nobody has lost anything as of yet, they are just looking at the policies that TD has if it were to get hacked. It's a very poor policy that basically holds them with no accountability for reimbursement if the account was compromised by using the username and password (and usernames and passwords ge...

Yeah, it's very cheap. Honestly, it might even be cheaper than holding physical gold, all things considered. Currently, since I'm doing DCA accumulations, I'm going into IAU since it has no commissions. But once a year I'm planning on either liquidating some IAU for physical or pay a commission to d...

Came across this podcast episode this week which focused on gold. Interviewed a few people discussing gold, it's recent performance, expected future performance, it's role in a portfolio, central banks recent gold binge, and why Bitcoin is not the new gold. Enjoy: https://etfstore.com/?powerpress_pi...

Yeah if there is no closing costs I see no reason to drain your cash position to nothing. Cash has actually been a valuable asset over the last year with rising interest rates and all the volatility in the markets. So if you were to drain your cash, I would say that you should rebalance, which would...

Yes well the common advise on bogleheads also tends to vary based on the weather. The recency bias runs very strong in the bogleheads hive mind. I mean half the people there these days recommend going 100% equities. If a relatively conservative investing group like the bogleheads starts getting that...

There has been a fairly significant debate on this very issue academically. I think it a no-brainer to go with the S6 over the R2K as having a "crap filter" clearly helps. How the two indexes are managed also helps, but the S6 is active/quantish as all S&P indexes are. It's debatable SCV provides a...

Haha, thanks Sophie!

Looks like I got some nice unintentional market timing. I decided to pull the trigger on my modified GB. I just sold stock over the last 2 days to reallocate into my gold, bond, and cash holdings. I also rebalanced my 401k 2 days ago from 100% equities into 60/40. Today the market is down 1.5% so fa...

Yeah there are a lot of people betting on a cut right now, which is why yields have fallen so sharply over the last few weeks. We will see. Powell was against being so aggressive on both quantitative easing and low interest rates a few years back, it would be very surprising to see him be the one to...

For 30y, I personally prefer to spread my contributions in no more than 2-3k$ each when they go on action, so I feel I have more flexibility when it comes to tax loss harvesting. I guess it's purely psychological... since I think you could sell any an integral portion of each bond holding (i.e. if ...

Regarding question 1, the bond price on Fidelity is updated just once per day, at around 8 pm eastern. You don't get the real-time prices during the day as you do for stocks. As anato noted, the auto-roll feature can't be turned off on the website, but you can make a call and they'll do it for you....

Excellent! Well that seems like a pretty good deal then, and not anymore hassle than an ETF. I just wanted to make sure that this was as good as it sounds, and that there isn't any hidden gotchas. I think I'm gonna give it a go! It's kind of fun trying out new things like this. I've never actually p...