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Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
  • Yogi Bear Bull Is ill.
    Update, 7/18/23
    Thanks for all the well wishes and prayers for recovery.
    Current Score: YBB 1, Pneumonia 0.
    I just completed a 5-day course of a strong antibiotics. It didn’t do much for 3 days – that was disheartening at one point. But then, things improved dramatically. Full recovery will take time. I would have to be cautious about a relapse. I will also think about where and how I caught a sudden pneumonia that literally knocked me out – almost.
    I had all the pneumonia shots PPSV-23, Prevnar-13. Now they have a combo/single vaccine, and at some point, I may have that too – this current infection should cause natural immunity for a good while.
    Thanks to Capital at Big Bang, @ceciljk at MFO, @eceprof at M* for posting information at those discussion boards.
  • Buy Sell Why: ad infinitum.
    @WABAC: ISTM that at the time you mentioned buying TAN, you also spoke of GRID. That was a great pick, up some 38% the last year. QCLN and ICLN, also clean energy themed, have both failed to put up exciting numbers.
    GRID has been great. FIW hasn't been bad either. Both are small holdings in the IRA, but may get a little love going forward. And I'm also thinking about EVX. But not for the IRA. :)
    I'll will be looking to dump ICLN as soon as possible. It too goes sideways. It's around 45% utilities. It gets little juice from Tesla. Electric cars are great, I suppose. But vehicles are still consumer items. So I take that segment with a grain of salt if hot returns are based on vehicles.
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    har and cool, comical and astounding
    There's a big honkin' footnote for Great Owls, M*, Lipper, Zacks ....
    https://www.zacks.com/stock/news/2117450/4-balanced-mutual-funds-to-buy-for-stability-in-uncertain-times
    https://www.morningstar.com/asset-management-companies/state-farm-BN00000A2N
    All as casual as I in their labor.
    (Maybe some do catch that exclusion, as I am being casual here too.)
  • Anybody use any hedging or shorting?
    I never was good at hedging. Sure, I'd put an option hedge of some sort on and be proven right, but since the position likely expired before the event, it meant that I was early, and thus 'wrong.' :)
    Ergo, since I'm usually a lousy market timer, if I do get really worried, I'll either move into cash, lighten up a position, or write some covered calls...but usually stay in the game. FWIW saying, I do use option collars too -- I have one that I established when starting a large income position right now that's doing just fine (stock bought at $35, collared at 30 and 40).
  • Anybody use any hedging or shorting?
    @hank
    Question for you sir. In your opinion is shorting, long short more of a psychological approach to keep you invested? Very difficult to get right, timing and all, have to be right, hard to know when the central banks step in , psychology of market participants....hussman makes so much rational sense, makes money when market turns down but then gives it back and goes nowhere in an interesting way as you alluded to
    My perspective after never winning long term by shorting is to never expose to the markets more than 6 to 9 months of salary, work compensation if the sp500 drew down by 50%. Ya very conservative but compounds the portfolio very well.
    Another way to satisfy the shorting Jones might be to be in a fund like velix which does short somewhat and opportunistically or maybe fpacx which can have an eclectic approach and keep you invested through a down flush in the markets
    Annual average return can fool a lot of folks....start go up 50% and then down 50%. Average over two years is 0% return but you're actually down 25%.. from where you started. Compounding your wealth is important and if shorting prevents the big flush or keeps you from being to aggressive might work...
    Best regards
    Baseball fan
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    Anyway, Crash, I hope you find what you're looking for...

    As mentioned once or twice, above, the best candidate looks to be RPBAX now.
  • Anybody use any hedging or shorting?
    That’s a hard approach to wrap your head around. If it’s a only small position (ie 1-3% of assets in an inverse fund) you should want to lose $$ on it, since that probably means your total portfolio is doing quite well. But, it’s difficult to want to see anything you hold fall …
    Some I’ve used over the years as short term hedges in small amounts: SPDN, DOG, TAIL, CCOR. GLTR (metals). None (except the precious metals fund) really did well. All offered some mitigation of downside volatility. Selling buying puts seems to be one method of hedging. I think that’s what Hussman uses in HSGFX. The fund has netted close to 0% since inception about 15 years ago. I’ve never set stop-loss orders, but I guess that’s another form of hedging. Of the bunch I’ve played around with, TAIL proved the worst, as it’s tied to the VIX which hasn’t behaved the way it was expected to on big down days. Also, TMSRX and BAMBX attempt to hedge market volatility. Look great on paper, but haven’t exactly shot the lights out!
    There are of course many long-short, market neutral, hedged equity type funds that employ shorts hedging. So as a fund holder you can more / less shut your eyes to the portion of the fund getting hammered. Beware - Those types of funds are often high-fee.
    Cash is a hedge, especially at today’s near 5% yield. Limited ability, however, to cushion really big downside. Also, I’ve thought of using a small position in long U.S. Treasuries as a hedge, but haven’t actually tried it. Would have been a nasty ride I’m afraid.
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    This one might be "flashier" than what @Crash had in mind, but give a look to DGIFX, which just happens to fall into the same Lipper/MFO category as PRWCX/TRAIX. M* 5 star/gold. Not on any of the fund supermarkets, so requires direct investment.
    Wow, that thing's taken off, with a bullet. Heavy in tech.
    OK, it's on the list, now. Going to examine that one deeper. It's a small/mid-cap fund, however. A good helping of bonds, which is a positive thing.
    *OOPS. Minimum to get in = $10k. Deal-Killer.
  • Wealthtrack - Weekly Investment Show
    Which brokers offer the GMO climate change funds?
    Morningstar used to do a pretty good job of giving brokerage information. I don’t see it being offered anymore, but I did come across this under the sustainability tab at MorningStar.
    GCCLX IS NOT very highly rated for its sustainability
    https://morningstar.com/funds/xnas/gcclx/sustainability
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    This one might be "flashier" than what @Crash had in mind, but give a look to DGIFX, which just happens to fall into the same Lipper/MFO category as PRWCX/TRAIX. M* 5 star/gold. Not on any of the fund supermarkets, so requires direct investment.
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    @msf- OK, just to display my complete ignorance, what exactly is an "AA fund" that Crash is looking for?
    Thanks/OJ
    Short answer: Asset Allocation.
    Slightly longer answer was given in this thread by @LewisBraham, who noted that AA can be static (think 60/40 balanced fund) or genuinely dynamic (within guardrail percentages).
    https://mutualfundobserver.com/discuss/discussion/comment/165686/#Comment_165686
    As to what Crash is looking for, only he can say. To add another wrinkle, I noticed in the OP that what "moderately aggressive" (M* category) of AA funds was mentioned. But M* puts PRWCX in the "moderate" AA category. Which goes to show that aggressiveness, or risk, is subjective.
    Until a year ago, M* classified AA funds by the percentage of equity they held, e.g. 50%-70%. But equity percentage is only one factor in determining how risky a fund is. So M* switched to its current system of conservative,moderately conservative, moderate, moderately aggressive, aggressive. Which is fine if you view risk the same way as M* does.
    https://www.morningstar.com/funds/help-morningstar-name-its-allocation-categories
    But if your take on risk is different, e.g. you're looking for a 50%-70% equity fund, the fund you seek might be in the moderate allocation category or the aggressive category rather than in the moderately aggressive category.
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    @hank- I looked also but couldn't nail anything down for sure. It's pretty embarrasing though, since presumably those 50 responses know the answer. :(
  • Charles Schwab announces TD Ameritrade data breach
    My TD migration date is many months away. TD said if I want to move sooner, I have to go through the account transfer portal (ACAT) and that it could take up to one week.

    I setup a Schwab account and moved 95% of my stuff over back in summer 2020 and it went rather smoothly ... I didn't want to go thru *another* brokerage account mass migration. I need to check if my $15 OEF fee conveyed, but if it didn't, when they finally get around to moving my TD account, I will be sure to confirm the $15 OEF fee is included. (Thx for the reminder)
    Thanks, @racqueteer for confirming the carryover of the legacy TD fees schedule. Since I already have a Schwab account and login credentials, I do not need to do anything to allow them to migrate my TD accounts. They have already mapped my Schwab and TD accounts using my credentials. If I currently have 3 TD accounts and 2 Schwab accounts, after migration, I will have five accounts at Schwab and will be able to access all of them with my legacy Schwab log-in credentials. If I want to consolidate the accounts to fewer accounts, that is on me. I will need to make sure my legacy TD fees schedule carries over to the migrated TD accounts.
    I wonder if the legacy TD fees schedule is automatically applied to the legacy Schwab accounts or if we need to do something like may be ask Schwab for it or even transfer assets from the legacy Schwab account positions to the newly migrated accounts. I know Schwab is not required to match the legacy TD fees for the legacy Schwab accounts and they may make me jump mini hoops like ask for it or transfer assets.
    @rforno, I would check your Schwab accounts now to see if you had been given the $15 OEF fees. If not given, I would ask Schwab to code your Schwab accounts for it. If Schwab does not agree, then you may have to follow the process I mentioned above. Even after the migration, every time you create a new account at Schwab, you not only have to ask them to code the new account to have the same privileges as the other accounts but also make sure the Rep actually does it; otherwise, default fees schedules could apply to the new account.
  • Barron’s Mid-Year Rountable
    Barron’s 2023 Mid-Year Roundtable / Issue Date: July 17, 2023
    There were no changes in the participants from January: Todd Ahlsten, Rupal Bhansali, Scott Black, Abby Joseph Cohen, Sonal Desai, Henry Ellenbogen, Mario Gabelli, David Giroux, William Priest, Meryl Witmer. Responses were phoned in, apparently a week or two earlier.
    Re the elusive recession … Most expect one sooner or later. Abby Joseph Cohen doesn’t expect one at all, but concedes a number of factors, including excessively tight monetary policy by the Fed could cause one. Estimates of the onset of recession range from late 2023 to late 2024. Most it seems are predicting one in 2024 and that it will be relatively mild. However, that does not mean stocks will keep rising. Caution seemed to be prevelant among the group.
    The Magnificent 7 … Most (if not all) are wary of the big tech names that have carried the markets this year. Some see a sharp sell-off coming in the high flying big tech names. Most don’t expect the major indexes to be significantly higher at year’s end than today. Some expect them to fall. Mario Gabelli thinks that when investors’ buoyant expectations finally clash with continued Fed rate hikes & strident language, the S&P could fall by 10% in the second half. Health care remains a favorite. Everyone suggested some smaller overlooked niche players as opportunities. Genuine Parts (GPC), recommended by Gabelli, fits this theme. He sees it as a play on a “huge pent-up demand for automobiles.” Gabelli also likes aerospace - but leans toward some European manufacturers, including Airbus.
    Bonds … Franklin’s Desai favors bonds, but would average in to (longer) maturity as the 10-year rises above 4%. Sees it getting to around 4.25%. She also favors high yield - particularly municipal high yield bonds. It should be noted Desai is a fixed income manager at Franklin and often favors the bond sector. She often recommends Franklin’s income funds along with others.
    Europe … One member referenced the stubborn inflation in the U.K. as “the canary in the coal mine” that could signal similar issues arising at home and globally and lead to even tighter monetary policy. Yet, generally, the tone on European equities was quite positive. While some individual Japanese stocks were mentioned, I don’t recall anyone being outright bullish on Japan. Its stock market has enjoyed a significant boom over the past year or two.
    Geopolitical peril is highlighted by Priest: The war in Ukraine, U.S. China tensions, political strife at home, likelihood of higher rates in Europe. Not calling for recession, but Priest expects the S&P to fall in the second half, while equal weighted indexes might hold their own or rise slightly. Scott Black comments that “investors are much too bullish.” But his remarks appear largely based on S&P valuations. Anyalists, Black says, are projecting S&P earnings growth above 10% for the year - totally unrealistic in his view. Bhansali is arguably the most bearish of the lot. Even he sees “opportunity” in value stocks - but mostly abroad, including EM. Referring to Fed rate hikes and inflation Bhansali says: “The Fed has a lot of wood left to chop.”
    David Giroux (T. Rowe Price) commented: “The market was helped by the lack of a recession, resilient earnings, and excitement about AI, which turned the tide in terms of investor sentiment and valuations in the technology sector. The challenge now is that the market is trading for 19 times forward earnings, and valuations aren't as attractive as they were. Now that everyone seems bullish, we are a bit more bearish. You'll see that in our stock recommendations. Cyclicals and tech have had a big run. Now we prefer more-defensive sectors, such as healthcare and utilities.” Others echoed Giroux’s caution, if not his exact words.
    A “non-political” political remark by Giroux may raise a few eyebrows: “And, while I am not making political projections, if the Republicans take back the White House in 2025, UNH and managed care stocks generally could have significant upside.”
    Top picks:
    Ahlsten: ORCL - Oracle
    Bhansali: ITUB - Itau Unibanco Holding
    Black: EXP: Eagle Materials
    Cohen: iShares S&PU.S. - Banks
    Desai: 5-YR TIPS
    Ellenbogen: JBHT - J.B. Hunt Transport Services
    Gabelli: BATRA - Liberty Braves Group
    Giroux: BIIB - Biogen
    Priest: Air.France - Airbus
    Witmer: ONEX - Onex, Canada
  • Charles Schwab announces TD Ameritrade data breach
    My TD migration date is many months away. TD said if I want to move sooner, I have to go through the account transfer portal (ACAT) and that it could take up to one week.
    I setup a Schwab account and moved 95% of my stuff over back in summer 2020 and it went rather smoothly ... I didn't want to go thru *another* brokerage account mass migration. I need to check if my $15 OEF fee conveyed, but if it didn't, when they finally get around to moving my TD account, I will be sure to confirm the $15 OEF fee is included. (Thx for the reminder)
  • Charles Schwab announces TD Ameritrade data breach
    Wow, they're really dragging out the process in some cases, but it's probably better they go slowly to smooth out the bumps. My transition, as I said, went seamlessly over a weekend.
    They DID suggest that you set up Schwab account/login prior; that way there will be no issue with your login. Had the advantage of allowing me the 'new account' bonus! And, grandfathered the TOS $15 purchase fee in lieu of their $49.95 fee. So far, no problems, but I DID change my password just now...
  • Need a solid, good, consistent, un-flashy AA fund. (Closed thread.)
    @fundly,
    A lot of brokerages charge a transaction fees (e.g., $50) for purchase of mutual fund institutional class shares but they do not charge a short term redemption fees (the fund itself may have its own STR fees). Am I correct that Firstrade does not have a transaction fees but has a STR fees of $19.95 for Institutional class shares held for less than 90 days?
    From Firstrade website - "A Short Term Redemption Fee of $19.95 will be applied to redemptions of mutual fund shares held less than 90 days. Broker-Assisted redemptions will incur a charge of $19.95. Redemptions of less than $500 will incur a $19.95 fee, unless the entire value of that fund is less than $500. For mutual funds transferred to Firstrade, the 90 day holding period will begin when the account transfer process is complete."
    Thanks.
  • FD1000...3-Line Break
    Maybe the two belligerents need to take a long walk to cool off.
    image