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davidrmoran
I myself see a big pullback coming in the next six months but I don’t know that I have ever been correct over 45 years. I will put a lot of money in if a 10% pullback comes. I expect you r being prudent depending on how old you are. The thing is, if you’re young, you might as well stick it out and not try to time. He said.
Annaly (NLY) is always interesting and has had hot streaks for sure, up almost 28% this year if you reinvested divs. Oddly, if you can back 19y, to its beginning, you've done only a bit better than if you'd stuck with the smoother and broader FREAX.
@msf:
>>The PIMCO prospectus gives the min as $1M. Brokerages generally have some flexibility in setting their own minimums.
Correct. Never seen this degree of flexibility.
Listed but unavail (to my accounts anyway) at ML.
Exact tracki…
At age 69, if I could refi my BoA mortgage for 40y to replace the 26y remaining, still in its 3%-3.5% range, I would do it in a jiffy.
Just applied for a BoA heloc supposedly (meaning if I can get it) at 2.67% fixed, except for scaling with fed fun…
your institution should be able to advise?
if not, if you feel the need to confirm Derf / Zack's response (sounds right to me), search within kitces or thomas (fairmark), probably kotlikoff has something on this too
If you like broader weighting (not a dividend play per se), I am finding it interesting to track RPG and RPV and how 50-50 they generally outperform RSP. Just something to keep in mind perhaps. You might like to track CAPE as well.
I still have a ton in it, yes. Have sold none and should have been clearer. What I did was bail out of most YACKX and YAFFX. I additionally hold PRBLX, FLPSX, some foreign, some REIT, and that's about it. (No small now, no notional growth, no emergi…
Right, nominal pensions as from jobs and the like.
Not the SS field.
If I am getting your point (sorry if not).
Otherwise, maybe send 'em email; they shd know.
You can get a sense of how big a hit you may undergo (including state info; just sub in your own in the url) at
https://smartasset.com/retirement/massachusetts-retirement-taxes
FAGIX shows real nice work since Notkin took over, in summer '03. You could make a really strong and fine case for active management and broadish diversification from having been a third in it, FCNTX, and FLPSX the last 13y. Forget balanced funds, m…
If she is truly well-set, as it sounds, and being not that old, I might advocate more aggressive (higher proportion in stocks) than has been advised at the front.
For example, half in Total, half in Wellington, call it a day.
Go to Kitces (whom msf and others have noted) or Thomas (Fairmark) for smarter and clearer advice in this area. Kotlikoff has useful information and calcs but tends to the cynical and alarmist, quite aside from his presidential run, and Solman's gli…
Yeah, one of the many things I like about Fido FullView (and there are others, e.g. ML) is that it shows total 1y portfolio performance, period, and while I am not positive it is accurate in all respects, it includes anything you tell it to, includi…
>> Some ETFs, notably leveraged, inverse, and commodities, are derivative-based,
With half our nut in DSEEX (thanks to you) I am becoming a student (rank amateur) of these intricacies.
Interesting even while trivial. Exact M* update timing may be problematic for totals and endpoints even involving recent-past data. If I were editorial director I would probably advise a small disclaimer or qualifier near the graph of 10k growth. As…
I am interested only in the accuracy of the M* 10k growth chart. (For anything.)
When we put in your ytd start of 1/4, the latest total shown for VFIAX is that I gained $404 and change, while the latest total shown for VOO shows a gain of $381 and c…
As a tech writer I do not know how I can say it any more exactly.
Go to M*, enter FUSEX in Quote, go down to Growth of 10k, click More..., eliminate Large Blend leaving FUSEX, also del S&P 500 TR USD for this example, click any period you like…
>> if one looks at market return (what an actual investor would get) as opposed to NAV return,
What I posted was M* growth of $10k. Presumably what an actual investor would get investing $10k at the start date and going to the market close …
>> why not just use indexes themselves ... ?
A liking for actual investor return based on plausible behavior, rather than theory, that's all. (For when someone says 'stocks have been flat' blah blah.) Not picking a fight with you of all peop…
I cited M* for S&P 500 TR from 12/31/14 close (aka New Year's Day, 2015) to 6/29/15 as 2.79%. Agreed it's not nothing, but it's not 3.73% either.
Since SPY is a unit investment trust that can only reinvest dividends quarterly, it suffers from…
