Interesting. I’d like to see Morningstar do a qualitative analysis of the process. I notice that LDRI has trailed the similar duration Vanguard Short-Term Inflation-Protected Securities Index ETF (VTIP) over the last 1yr, 3yrs, 5yrs... (VTIP does have qualitative analysis behind its silver rating.) Would you still choose LDRI because of the fact it holds bonds to maturity so is theoretically going to act like a ladder of individual bonds?
I’m almost always carrying a few coins in local currency. You never know when you’ll need one to a use a public toilet, shopping cart or gym locker. And always have paper cash, though rarely need it.
In the U.S. I can’t really think of a need for change. 🤔
Bogdan, to let you know, the comment I referred to below in Kristine's piece never got approved but disappeared entirely. Today I find that a comment on another article that I made yesterday and was awaiting approval has today disappeared as well. Just making you aware there’s a problem. And I’m pretty sure it wasn’t with the comments :-)
I think the reason you see people saying that isn’t because holding individual stocks is different from a capital gains perspective, but because people holding index funds are generally happy to hold them. No one is saying “I wish I owned a bunch of individual stocks instead of an index fund,” so no one is complaining about their fund’s capital gains.
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Interesting. I’d like to see Morningstar do a qualitative analysis of the process.
I notice that LDRI has trailed the similar duration Vanguard Short-Term Inflation-Protected Securities Index ETF (VTIP) over the last 1yr, 3yrs, 5yrs... (VTIP does have qualitative analysis behind its silver rating.) Would you still choose LDRI because of the fact it holds bonds to maturity so is theoretically going to act like a ladder of individual bonds?
Post: New to building a CD or Bond Ladder?
Link to comment from March 4, 2026
Agree, very nice article
Post: Volatility is your Best Friend
Link to comment from March 4, 2026
It’ll take more of a drop to trigger a Roth conversion from me, but in principle I agree with you.
Post: Volatility is your Best Friend
Link to comment from March 4, 2026
Wow! That is wild. Talk about being in the dark ages… There’s some bad advice in that thread. Glad to see people weren’t buying it.
Post: Vanguard’s Transfer on Death Plan Kit
Link to comment from March 4, 2026
I’m almost always carrying a few coins in local currency. You never know when you’ll need one to a use a public toilet, shopping cart or gym locker. And always have paper cash, though rarely need it. In the U.S. I can’t really think of a need for change. 🤔
Post: Loose Change
Link to comment from March 4, 2026
Is it the case that previously you couldn’t just designate a beneficiary(s) on a joint taxable brokerage account? I must be misunderstanding.
Post: Vanguard’s Transfer on Death Plan Kit
Link to comment from March 4, 2026
That’s a good way to think about it Chris.
Post: Critique my investment strategy or lack thereof
Link to comment from March 4, 2026
Bogdan, to let you know, the comment I referred to below in Kristine's piece never got approved but disappeared entirely. Today I find that a comment on another article that I made yesterday and was awaiting approval has today disappeared as well. Just making you aware there’s a problem. And I’m pretty sure it wasn’t with the comments :-)
Post: Question for writers
Link to comment from March 1, 2026
Deleted
Post: New to building a CD or Bond Ladder?
Link to comment from March 1, 2026
I think the reason you see people saying that isn’t because holding individual stocks is different from a capital gains perspective, but because people holding index funds are generally happy to hold them. No one is saying “I wish I owned a bunch of individual stocks instead of an index fund,” so no one is complaining about their fund’s capital gains.
Post: Critique my investment strategy or lack thereof
Link to comment from February 28, 2026