Bought my first TIPS (partial rung of my ladder). Wanted to get a feel for it before totally committing to the process.
How does Vanguard figure the current balance?
In my simple mind Price * Quantity should equal Balance but that's not what I'm seeing. What am I missing?
To get a close balance based on the holding page, (14,000/100)* $101.05 * 1.54947 Bond Factor = $21,920.35. 1 dollar off, my guess its a rounding error and or I'm just doing it wrong.
Lot Details, not sure what I seeing here. 14,000 * $1.57 = $21,980.96, yet the principal amount should be $21,930.96.
Not sure exactly how to put it, but it just seems clunky. I'm thinking I'm missing something fundamental.
Below is what I'm seeing at Vanguard:
Holdings Page as of 11/22/2025 (Saturday)
Price: $101.05
$ Change: $0.05 (As of 11/21/2025, 04:15 PM, ET)
% Change: 0.05% (As of 11/21/2025, 04:15 PM, ET)
Quantity: 14,000.000
$ Unrealized Gain/Loss: -$9.61
% Unrealized Gain/Loss: -0.04%
Current Balance: $21,921.35
Lot Details as of 11/22/2025 (Saturday)
Quantity: 14,000.0000
Cost Per Share: $1.57
Total Cost: $21,930.96
Market Value: $21,921.35
Total Capital Gain/Loss: -$9.61
Bond Snap Shot Page as of 11/22/2025 (Saturday)
Bond factor rate: 1.54947
Transaction details
Settlement date: 11/21/2025
Trade date: 11/20/2025
Transaction type: Buy
Transaction description: Buy
Quantity: 14,000.0000
Price: $101.13
Principal amount: -$21,930.96
Total fees and commissions: $0.00
Total amount: -$22,064.00
CUSIP: 912810PV4
Account type: CASH
Commission: Free
Additional description: U S TREASURY NOTE INFLATION INDEX NOTE CPN 1.750% DUE 01/15/28DTD 01/15/08 FC 07/15/08
Accrued interest: $133.04
How does Vanguard figure the current balance?
In my simple mind Price * Quantity should equal Balance but that's not what I'm seeing. What am I missing?
To get a close balance based on the holding page, (14,000/100)* $101.05 * 1.54947 Bond Factor = $21,920.35. 1 dollar off, my guess its a rounding error and or I'm just doing it wrong.
Lot Details, not sure what I seeing here. 14,000 * $1.57 = $21,980.96, yet the principal amount should be $21,930.96.
Not sure exactly how to put it, but it just seems clunky. I'm thinking I'm missing something fundamental.
Below is what I'm seeing at Vanguard:
Holdings Page as of 11/22/2025 (Saturday)
Price: $101.05
$ Change: $0.05 (As of 11/21/2025, 04:15 PM, ET)
% Change: 0.05% (As of 11/21/2025, 04:15 PM, ET)
Quantity: 14,000.000
$ Unrealized Gain/Loss: -$9.61
% Unrealized Gain/Loss: -0.04%
Current Balance: $21,921.35
Lot Details as of 11/22/2025 (Saturday)
Quantity: 14,000.0000
Cost Per Share: $1.57
Total Cost: $21,930.96
Market Value: $21,921.35
Total Capital Gain/Loss: -$9.61
Bond Snap Shot Page as of 11/22/2025 (Saturday)
Bond factor rate: 1.54947
Transaction details
Settlement date: 11/21/2025
Trade date: 11/20/2025
Transaction type: Buy
Transaction description: Buy
Quantity: 14,000.0000
Price: $101.13
Principal amount: -$21,930.96
Total fees and commissions: $0.00
Total amount: -$22,064.00
CUSIP: 912810PV4
Account type: CASH
Commission: Free
Additional description: U S TREASURY NOTE INFLATION INDEX NOTE CPN 1.750% DUE 01/15/28DTD 01/15/08 FC 07/15/08
Accrued interest: $133.04
