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JP Morgan is about to launch lowest-fee US stock market ETF — lower than Vanguard, BlackRock and Sch
johnNjohnN
5:48AM in Fund Discussions
https://www.cnbc.com/2019/03/11/jp-morgan-about-to-launch-lowest-fee-us-stock-market-etf-yet.html
Published Mon, Mar 11 2019 • 1:37 PM EDT Updated Mon, Mar 11 2019 • 4:58 PM EDT
Eric Rosenbaum
@erprose
Key Points
J.P. Morgan is about to launch the JPMorgan BetaBuilders U.S. Equity ETF with a fee of 0.02 percent.
That makes the broad U.S. stock market fund cheaper than similar ETFs from Vanguard, Schwab and BlackRock’s iShares.
Schwab and iShares had offered the cheapest U.S. stock market ETFs, charging 0.03 percent .
J.P. Morgan has grown to become one of the largest ETF companies in only a few years, primarily by selling ETFs to its own clients.

Hi @poptart
I forgot about lsbrx for income... Several mfo members owed this fund before, I have it since 2012..good reasonable fund to have for nice monthly income
Just some personalize thoughts being in market for 12 yrs now :
I do hold fidelity total bond market Fbnd and Phk in mom portfolios she is few months from retirement plannings
In my acct I have bnd - Vanguard total bond market
At 35 yo I would do 80 to 90% stocks portfolio in my holdings to reap most rewarding to long terms investments lol... You still have a long way to go +35 or 40yrs until retirement ... I would not change nor touch portfolio too much maybe once every few yrs.. Being couched and iddle maybe best for you and invest more in indexes stocks.. At least this is what buffet and boggle keep on preachings for many years
For my tsp 401k I have 80/20 since started investing in 2007 (right before the largest crash in modern time),,, have not changed portfolio much since 2007 and I am doing very well with those positions and holdings... Currently still >80%stocks <20%bonds
For 401k-tsp biggest holdings
Indexes from tsp 80% large cap mid cap small cap and em divided evenly
10% 2040 maturity fund Tdf
10% G bond
Brk.b another large holdings
Vgstx
Vppcm Vanguard prime cap
Another thing if you have 1099 return forms (most investment company have these for their portfolio for tax purposes if you have div incomes from bonds or MF ETFs)
you maybe able qualified to open sep-ira acct, we have this since few yrs now, this acct works exactly as regular-Ira but you can put in 20%of your income and maxed out at 55k annually... the best thing is you can have this along w tsp(private 401k if working for govt) and regular 401k. You may save lots tax money once able to retired many yrs from Now and just let those money grow taxed free... Just do research and ask ur cpa at your institution before starting... I highly recommend having Sep-ira + roth Ira... We saved so much in taxation $$ past 3 yrs now
Good luck

https://www.sec.gov/Archives/edgar/data/787623/000119312519070690/d688936d497.htm
497 1 d688936d497.htm 497 TRANSAMERICA MULTI-CAP GROWTH FUND
TRANSAMERICA FUNDS
Transamerica Multi-Cap Growth
Supplement to the Currently Effective Prospectuses and Summary Prospectuses
The Board of Trustees has approved a reorganization pursuant to which the assets of Transamerica Multi-Cap Growth (the “Target Fund”), a series of Transamerica Funds, would be acquired, and its liabilities would be assumed, by Transamerica US Growth (the “Acquiring Fund”), a series of Transamerica Funds, in exchange for shares of the Acquiring Fund. The Target Fund would then be liquidated, and shares of the Acquiring Fund would be distributed to the Target Fund shareholders.
Under the reorganization, Target Fund shareholders would receive shares of the Acquiring Fund with the same aggregate net asset value as their shares of the Target Fund. It is anticipated that no gain or loss for Federal income tax purposes would be recognized by Target Fund shareholders as a result of the reorganization.
The reorganization does not require shareholder approval, but is subject to the satisfaction of certain closing conditions. An information statement describing the reorganization will be mailed to Target Fund shareholders in advance of the closing of the reorganization. If the closing conditions are satisfied, the reorganization is expected to occur on or about May 31, 2019. Prior to the reorganization, shareholders can continue to purchase, redeem and exchange shares of the Target Fund subject to the limitations described in the Prospectuses and Summary Prospectuses.
* * *
Investors Should Retain this Supplement for Future Reference
March 11, 2019

https://money.usnews.com/investing/slideshows/7-tips-for-finding-the-best-target-date-retirement-funds-to-buy?src=usn_invested_nl
7 Tips for Finding Target-Date Retirement Funds
March 11, 2019
One in three Americans have nothing – zilch – saved for retirement. That's not OK. If you're financially able, you need to start saving, today. A retirement nest egg is vital for a full, happy, and healthy life.
Once you start saving, choosing where to invest your money is another hassle. Thankfully, retirement funds have made this much easier for investors, and target-date retirement funds, which adjust their holdings as you age to suit your changing risk profile, are even easier. Contrary to public perception, figuring out how to invest responsibly isn't rocket science.
Here are seven tips to finding the best target-date retirement funds for you.
1. Figure out your timeline. This is generally the easiest and most crucial variable to consider when narrowing down what kind of target-date funds will work for you. Most target-date funds contain a year in their name, which corresponds to the year you expect to retire. If you're 45 and expect to retire at 65, pick a target-date fund roughly 20 years out. They're often organized into five-year increments, so in this case you might consider a 2040 target-date retirement fund. There are also target-date funds designed for those currently in retirement.
2. Figure out your risk tolerance. Remember, target-date funds are designed to be full portfolios, so if you have other investments, consider how those might affect the total risk you're taking. For example, if you already have a good chunk of money in the stock market, you might want to lean more conservative than you otherwise would, choosing funds with less equity exposure, or funds that move to lower-risk investments more quickly than others. – John DIvine

Buy BA at your own risk folks. Yes, it’s a great company with a storied tradition. But issues like this one can take years to resolve. Perhaps the cause was a completely different one than the first. We don’t know yet. But: If It should be determined to be the same or similar software issue ... than you might just have an even better buying opportunity down the road. (BTW - The change in software was dictated by a new type of larger and heavier more fuel efficient engine - likely adversely affecting CG - which may complicate any “fix”.) IMHO it’s a coin toss at this time whether this will hurt Boeing.
Here’s a summary of the rudder reversal problem which afflicted the 737 in the 90s. There were two fatal crashes and a third close call on landing approach caused by what proved to be a faulty piston actuator in the tail that on rare occasion would cause the rudder to deflect uncommanded. https://en.wikipedia.org/wiki/Boeing_737_rudder_issues
From first related crash in 1991 until final NTSB official finding of probable cause in 1999, 7 years elapsed. The flying public was more accustomed to aviation disasters in the 90s than today. More likely to ignore the issue. In today’s environment I’d expect to see some aversion to 737-MAX (and possibly all 737s). Temporary one would expect. I don’t deal in individual stocks and so have no recommendation either way on BA. (The fact that JohnN says he just bought some, however, gives me pause.)

Smart idea JohnN. Of course my position in BA goes back to 1978 and I continue to hold 40 years now.

FYI: JPMorgan Chase & Co. is still trying to make a buck while selling America’s cheapest exchange-traded fund.
The New York-based bank plans to charge just 20 cents for every $1,000 invested in a new stock fund, undercutting all 2,000 existing U.S. ETFs, a regulatory filing showed Monday. But for some even that price isn’t low enough, with analysts predicting that a zero-fee ETF is only a matter of time.
Regards,
Ted
https://www.fa-mag.com/news/jpmorgan-steps-closer-to-zero-fees-with-cheapest-ever-stock-etf-43728.html?print

FYI: As great as things were for the DJIA when Boeing (BA), with its high price and weighting in the index, was on the way up, today the DJIA is feeling the pain of what happens when a high priced (weighted) stock in the index declines. With shares of Boeing set to open down over 10% this morning, its decline is set to have a negative impact of around 250 points (or 1%) at the open. Outside of BA, US equities are generally indicated higher following the lead of both positive starts to the week in Asia and Europe.
Regards,
Ted
No Link:

The range of total return for funds mentioned ranges from 59-68% from a start date of Jan., 2014. SPY is included only as a reference point.
Funds mentioned above, chart:
Not knowing if the potential investment is a taxable account, tax efficiency may be a consideration.

Merrill Edge joined lots of other brokerages last autumn in moving customers' settlement (core) accounts into low paying (though FDIC-insured) bank accounts. Current yield is 0.14% (up to $250K).
https://advisorhub.com/merrill-to-shift-client-cash-into-bofa-accounts-and-away-from-cash/
Here's a column (Feb 19, 2019) giving options for cash in these accounts. There are some MMFs you can buy that pay a passable rate of interest, though well under 2%. (Fidelity's default SPAXX currently yields 2.05%.)
https://www.mymoneyblog.com/merrill-edge-brokerage-cash-sweep-options.html
Two items of note in that column:
There's a 2.07% bank account you can get into if you bootstrap it with $100K (you can reduce the amount once opened);
The same $100K will get you into some institutional MMFs.
A couple of those funds actually have fluctuating NAVs, i.e. are real, institutional, non-government MMFs. A prime fund (currently yielding 2.54%) and a muni fund.

As the article notes, there are a few exceptions to the rule that you can skip RMDs with employer accounts: if you're a 5% owner of the company, or if the plan docs (not the IRS) require you to take RMDs at 70&frac12;. But generally you don't have to take RMDs if you're still working there.
You raised two new questions: does this cover all types of employer plans, and what about continuing to contribute.
If I may offer a side comment, I think Congress went a little wacko in creating all these hybrid plans, SIMPLE, SEP-IRA, SARSEPs. There are "clean" employer plans, 401(k)s, 403(b)s. There are IRAs. Then there are these genetic mutations. I try not to look at them unless I have to (and I have had a SEP IRA).
Apparently they (SEPs and SIMPLEs) follow the IRA RMD rules. No exceptions. See
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
Can you continue contributing? Something that I was never worried about, but a quick search turned up this ThinkAdvisor piece. If it is to be believed (I haven't checked tax code, etc. to verify), you can continue contributing to 401(k)s, and the employer must continue contributions to SEPs. But you can't contribute to a traditional IRA. But, but, you can continue contributing to a Roth IRA.
https://www.thinkadvisor.com/2016/08/22/the-post-70-retirement-plan-contribution-rules/?page_all=1
Is this anyway to run a tax code?

Here's you go ... can save up to 10 Watchlists, each with up to 25 Tickers. Just click on specific watchlist to run in MultiSearch. c

@PopTart - at your age, assuming you are working, I don't think you need to consider income producing investments. If you do, it would be more as a strategy for long term growth (i.e. reinvesting divs but focusing on high div portion of market) than as a source of immediate income.
Your neighbor is in a different situation. It sounds like he's looking for immediate income for now. One way to increase current income is to invest in closed end funds. This isn't my strong suit (I invest for total return, focus on long term, etc.), so I'll just offer general comments here.
CEFs boost income in two ways. One is that they normally trade at a discount to NAV. Say there's a 5% discount on a fund with bonds paying 4%. Instead of paying $100 for $4/year, you pay only $95 for $4/year. That boosts your payout to 4.21%.
What matters here is not only the discount but the trend of the discount. If a given fund always sells at a discount to NAV (say between 5% and 10%) and you're buying it when it is selling at a 5% discount, it's likely that when you sell, it will be even cheaper and you'll lose some principal. So that's one thing to watch out for. (Z-scores can help here.)
A second way that CEFs boost income is with leverage. Like a bank they borrow money, paying out a certain rate of interest to the lenders, and using that money to buy bonds paying even more. If they can, they (and you) win. If they wind up having to pay more on the borrowed money than they can make, they (and you) lose.
I did a little searching using the engine on CEFConnect (free registration required). Nice tool, but one needs to have a sense of what to look for. It's just not in my range of experience. Perhaps someone else here can suggest specific CEFs.
https://www.cefconnect.com/closed-end-funds-screener

@msf - Thank you for that correction. That's an important distinction. In my head that means that if you contribute to a retirement account with your employer, be it 401k, IRA or whatever else they call it and you remain employed past the age of 70.5 you can take a pass on RMD's? Or can somebody give me an example of what an employer's retirement plan is that isn't what I think it is (e.g. 401k, IRA)?

I did a google search on "can one delay RMD's past age 70.5" and found several linked articles but none of which pertain to mutual funds so consider this input useless or of little value.
...
Here's one from Forbes in May, 2018 to get you started:
https://www.forbes.com/sites/bobcarlson/2018/03/23/when-rmds-from-retirement-accounts-arent-required/#411487ad909d

Great find! It's got everything right and lays things out clearly.

"It is possible to delay RMDs if one is still working"
It is true that one can delay RMDs from an employer retirement plan before retirement. The article was discussing RMDs for IRAs though ("It's ridiculous that the IRS forces them to begin withdrawing from their IRAs"). One cannot delay RMDs for an IRA - that's the point of the article.
" It is said that the IRS has never defined the term "still working""
That's correct, since the term "still working" doesn't appear in the IRC or in the regs. The expression used in the Regulations is "retires from employment with the employer maintaining the plan" (401(a) and 403(b)). In plain English it's essentially the same thing, so perhaps a distinction without a difference.
Again, this RMD exception applies only to employer sponsored retirement plans, not to IRAs.Note that employers have the option of imposing RMDs at age 70&frac12; even on current employees. That could be a source of some of the confusion.
Regarding "April 1 of the year after one turns 70.5", that's not too complicated, though the ramifications may be. If you turn 70&frac12; in 2019, you have an RMD this year. Your deadline for this first RMD is April 1 of the next year, 2020.
That can lead to two RMDs in the same year 2020, one for 2019 and one for 2020. That would boost your income in 2020. That's your choice, how you plan your taxes, just as bunching deductions every other year is your choice, how you plan your taxes. The IRS is giving you flexibility. If it's confusing, just ignore the flexibility and do everything on a calendar basis.

FYI: Not looking forward to this weekend’s shift to daylight saving time?
You’re not alone. Here’s yet another reason to dislike it: the shift is likely to cause the stock market to struggle this coming Monday.
That is the implication of a study, “Losing Sleep at the Market: The Daylight-Savings Anomaly,” that appeared some years ago in the prestigious American Economic Review. The study found that stock market returns around the world are below-average on the Monday following shifts to daylight saving.
Regards,
Ted
https://www.marketwatch.com/story/daylight-saving-time-could-give-investors-some-sleepless-nights-2019-03-08/print

I did a google search on "can one delay RMD's past age 70.5" and found several linked articles but none of which pertain to mutual funds so consider this input useless or of little value.
It seems that you can if you are still working for the same employer/company as you've always been and there seems to be a few other work arounds as well.
I converted all of my IRA's to Roth IRA's back when the Roth's became available so I really haven't kept up on this topic.
Here's one from Forbes in May, 2018 to get you started:
https://www.forbes.com/sites/bobcarlson/2018/03/23/when-rmds-from-retirement-accounts-arent-required/#411487ad909d

All ratings have been updated on MFO Premium site, including MultiSearch, Great Owls, Fund Alarm (Three Alarm and Honor Roll), Averages, Dashboard of Profiled Funds, and Fund Family Scorecard. The site now includes several analysis tools, including Correlation, Rolling Averages, Trend, Ferguson Metrics, Calendar Year and Period Performance.

PTIAX for monthlies. (Performance Trust multi-asset bonds.)
https://www.morningstar.com/funds/xnas/ptiax/quote.html
CM for quarterlies. (CIBC, Canadian Imperial Bank of Commerce, can be bought on NYSE.) Today, Morningstar shows CM is selling at a -16% discount. The yield is 5.05%. It's one of the huge 6 Canadian banks which hold 90% of retail deposits in Canada. The banks up there are highly regulated. Customer service sucks, but the banks are financially solid.
https://www.morningstar.com/stocks/xnys/cm/quote.html