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.
My bi-weekly 401K contribution goes to a couple U.S. index funds. $2500 a month, roughly. And a lot of overall dividend re-investment. I reduced our U.S. equity investment in the first quarter, however. Some went to INTL, some went to fixed income.
I do note that the 3-mo TR on my INTL fund is lagging my US funds, though YTD INTL is still out-performing. Worth keeping an eye on.
I am not adding to any U.S.-only equity funds. I recently replaced two funds — foreign large blend equity and intermediate core-plus bond — with similar funds after transferring an account to a different firm. I'm content with my portfolio's overall allocation to stocks and to the ratio of U.S. to foreign stocks.
I haven’t held a true “equity fund” in ages. I like hybrid funds. But, no. I’m not adding to equities! My very good long-short fund (CPLSX) has been falling of late. That’s a sign to me that markets (especially U.S. equity) are overvalued and will correct at some future time. TPTB would like to keep the thing afloat thru Nov. ‘26. We shall see if they succeed.
Not adding to US equities, no. Reinvesting dividends is all. Adding in baby-bite sized chunks to foreign. Can't see why my financials are faltering lately. One is foreign, one is based in a US Territory: Panama and P.R. But they both use the dollar, yes? OK, not Panama, but it's pegged 1:1 to the greenback.
My 403b is entirely in US value fund dividend paying RWMGX ... I waffle between splitting off 30-40% into RERGX for international diversification there and/or directing new contributions that way, but I'm still on the fence.
Most of the individual stock purchases I've done in 2025 are non-US and sometimes F-shares, fwiw saying.
Part of me is even thinking of trimming down my big position in PRWCX as well since it's US-focused
I buy on schedule but make lump sum investments at the beginning of the year to adjust if needed. I use bands and my EXUS allocation dropped to 12.5% last year (I allocate 20% but band 15-25%) But its already back up to 15% because this year.
Bought a few shares of a tech ETF today (toehold). So, you can be sure the top is near.
Lol. I feel your angst. Every year I drop about $10K in a Tech ETF/Fund, an S&P500 Index fund, and an International Large Growth fund. Wish I could time things better but overall it's been relatively positive.
Bought a few shares of a tech ETF today (toehold). So, you can be sure the top is near.
Lol. I feel your angst. Every year I drop about $10K in a Tech ETF/Fund, an S&P500 Index fund, and an International Large Growth fund. Wish I could time things better but overall it's been relatively positive.
Are you dollar cost averaging? If your broker won't accommodate that for you, you need another broker.
Are you dollar cost averaging? If your broker won't accommodate that for you, you need another broker.
I don't follow. Drop = Invest. $10K invested in Tech in 2022 has gone a lot further than $10K invested in 2021. Don't plan to sell anything for at least 10 more years. Had a broker for 5 years, learned from him, then discarded him and his bias, and now do it myself.
The only US investment over the last 30 days was to HTD, a hybrid CEF with a 55/45 blend of utility stocks with preferred shares as the fixed income component.
Are you dollar cost averaging? If your broker won't accommodate that for you, you need another broker.
I don't follow. Drop = Invest. $10K invested in Tech in 2022 has gone a lot further than $10K invested in 2021. Don't plan to sell anything for at least 10 more years. Had a broker for 5 years, learned from him, then discarded him and his bias, and now do it myself.
Dollar cost averaging means you spread the allocated money out over a year, rather than dropping the bundle all at once. So divide your available funds by 12 months or 52 weeks.
Maybe that is already happening with an employee contribution program you are already involved in where the deductions are made whenever your paycheck is issued.
If you are dropping money all at once outside of an employee contribution plan, you might want to look into spreading the drop out over a year.
The theory is you're going to catch lows and highs. If you're confident in your own sense of market timing, and feel that the market is on an upward trajectory, then dropping the bundle when the cash is available might make the best sense for you.
@WABAC Ok, I don't know how my response to @JD_co 's funny and identifiable comment veered into a DCA discussion, but I appreciate it. My tax-deferred account does as you mention, but I make two Tech/SP500/International investments per year in my taxable account. I do my best to time it, but rarely do I find a true valley that is primed to climb. Cheers! So far, so good.
@WABAC Ok, I don't know how my response to @JD_co 's funny and identifiable comment veered into a DCA discussion, but I appreciate it. My tax-deferred account does as you mention, but I make two Tech/SP500/International investments per year in my taxable account. I do my best to time it, but rarely do I find a true valley that is primed to climb. Cheers! So far, so good.
Thanks. Sounds like you got your bases covered both ways.
I'm typically more of a dumper than a dribbler, but I did dribble into some US and foreign equity funds in the IRA a week ago or so.
I dumped into foreign in the taxable the other day.
Comments
I do note that the 3-mo TR on my INTL fund is lagging my US funds, though YTD INTL is still out-performing. Worth keeping an eye on.
I recently replaced two funds — foreign large blend equity and intermediate core-plus bond —
with similar funds after transferring an account to a different firm.
I'm content with my portfolio's overall allocation to stocks and to the ratio of U.S. to foreign stocks.
Most of the individual stock purchases I've done in 2025 are non-US and sometimes F-shares, fwiw saying.
Part of me is even thinking of trimming down my big position in PRWCX as well since it's US-focused
Maybe that is already happening with an employee contribution program you are already involved in where the deductions are made whenever your paycheck is issued.
If you are dropping money all at once outside of an employee contribution plan, you might want to look into spreading the drop out over a year.
The theory is you're going to catch lows and highs. If you're confident in your own sense of market timing, and feel that the market is on an upward trajectory, then dropping the bundle when the cash is available might make the best sense for you.
Just shooting the breeze.
Ok, I don't know how my response to @JD_co 's funny and identifiable comment veered into a DCA discussion, but I appreciate it. My tax-deferred account does as you mention, but I make two Tech/SP500/International investments per year in my taxable account. I do my best to time it, but rarely do I find a true valley that is primed to climb. Cheers! So far, so good.
I'm typically more of a dumper than a dribbler, but I did dribble into some US and foreign equity funds in the IRA a week ago or so.
I dumped into foreign in the taxable the other day.