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.
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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.
>> >> the New Deal was a failure and the Great Society was a disaster.
>> My intent is to discuss issues.
>> live up to what I consider to be good standards.
Go for it. Good standards presumably means substantiation, all tha…
Maurice,
Yeah, I was thinking of other bogus fake-choice things here (zero regulation! overregulation!). But anyone who seriously believes and says, as you do
>> the New Deal was a failure and the Great Society was a disaster.
can be safe…
I and family have long held GABEX, GABSX, and WEMMX. Periodically I reconsider and research competition, chiefly for the reasons mentioned. Their performance, including bear behavior, is pretty good, especially the last two. I guess I will now do an…
Oddly uninformed discussion in just so many respects. More history courses and data !
Maurice, see
http://www.bostonglobe.com/news/nation/2015/05/26/new-balance-could-beat-back-nike-for-partial-win-pacific-trade-deal/OECYcqEiHV3rIZcZrCfqZK/story.h…
>> me to defer taking my SS to 70, she claims half of mine at her FRA when she turns 66, and then she can move to her own at 70 if greater than her spousal.
yes, he did not say apply+delay (SS terms for file and suspend), but I guess I am a l…
What Gandalf said, and what I and many others are doing. My 66yo wife's first SS check (half of mine, delayed) auto-deposited today, w/ Medicare taken out. I will take my SS at 70, two more years.
Not that I know of or was able to find. Until I finally had a year of zero earnings, my statement explicitly said 'assumes future earning at same rate' or some such wording. So I extrapolated from the figures they give at upper right (past, present,…
5%, wow, and cool.
The mortgage thing all depends on absolute and relative cost of debt service vs investment returns. It seems wiser to me to keep on with my 120k mortgage at 3.5% than to pay it off, and thus far so it has proved. Ric Edelman and …
Re foreign equity funds:
http://www.usatoday.com/story/money/2015/01/16/investing-international-funds/21825245/
Both supports (sort of) and modulates what Sven posted. As OAKIX and SGOIX are closed, recommendations are interesting.
Wagg has moved…
Fair question: I guess in hindsight the answer is stupidity / impatience on my part. I got very spoiled by the growth of the summer 2012 chunk put in, and then ditto summer 2013 put in; sold out;
then put in new bigger chunk last Xgiving or so, an…
If the BC and other data are to be believed, that is going to be immense down the road, to the point perhaps where banks stop thinking it is a good idea for them to lend and be involved.
Hear. This is good:
http://www.washingtonpost.com/news/checkpoint/wp/2015/05/22/im-a-veteran-and-i-hate-happy-memorial-day-heres-why/
When I was a kid 60y ago it was always pretty somber and not cookout-oriented. My mother would recall as a girl s…
I was going to dive deeper into that, as it sure seemed counterintuitive. Thanks. Must be historical data or something. And remember this is tax policy only, not the new punitiveness.
Obama gets military coverage, same as anyone else in the military; pays for it out of salary. I have read that the wife and kids are not on it for some reason but don't know why or the details. As for congress, oh yeah.
OJ, it is absolutely true that if you quail at a major drop, you will suffer, and ought not to have been in market in the first place. Let us assume that does not apply to sophisticated types like us :) .
Looking at the bee VTI graph I appreciate …
>> so there could be at least some variety of opinion
Too funny, imputing to me or anyone homogeneity of opinion here, of all places. As if. Do you even read the threads? Progressivism is not in any majority, it seems.
If by 'redistributio…
JC, who sounds like Savage and Levin ? Do you listen them? 'The devil in the White House' ... 'Obama is the greatest threat the Jews face ... since the 1930s' and 'Obama to go "full Mussolini" after election'. Seriously. Comical, except not. Farce r…
I don't have 4y of near cash, rightly or wrongly, maybe half that, and I pay little attention to ERs, rightly or wrongly (do feel I can defend, yeah). I study downside performance intently.
If we all get near 7% longterm from this high point, we'l…
>> anything much more advanced than multiplication and division it's sophisticated to me.
:)
I like the same thing about calculators you do --- enter data, click button.
Entirely welcome and I am certainly not the first to call attention to it here; it may even have been MJG, if not msf. Or some other worthy.
Yeah, web tools are amazing these days, just amazing, in so many respects. You done good, but I am just sta…
OJ, you and others willing to do just a little bit of input work can see how this one goes and how it varies (yes, posted more than once before).
http://www.flexibleretirementplanner.com/wp/
I do not recall that you can spec bastard surprises for…
Whether or not the current market really represents a major departure, the MC calc that MJG and I and others have pointed readers toward lets you specify low (or any) anticipated of rates of return. Fwiw.
>> A 4% withdrawal rate, with an optimal asset mix of 75% equities and 25% corporate bonds, generated a 98% success rate for a 30-year retirement period.
Would still be awfully nervewracking, I think, if your budget from investments called fo…
The Ritholtz link is simply the Bartlett paper. Amazing stuff.
Reality has a well-known liberal bias, of course.
Kelly is bright chiefly only comparatively:
http://thinkprogress.org/alyssa/2013/12/14/3066111/megyn-kelly-santa-2/
But yeah, someti…
Anna, and all,
Regarding the extreme (exponential) fungibility of debt, this from 2009 is very good and nicely explained, even though some of the points have been modulated if not superseded since:
http://www.newyorker.com/magazine/2009/06/01/outs…
Why not run all the scenarios you can stand to in
http://www.flexibleretirementplanner.com/wp/
?
I think it has mentioned here a few times. Such saving of spreadsheet and other labor.
Social policing and economic policy are profoundly linked, as the youtube misleading title tries to to point toward. Of course I read the wikip entry. You are not even giving me a chance to delve and offer something further. That's cool, since you f…
>> The only thing that's obvious is that Krugman is either an idiot or he's blatantly lying.
Wow. What a thing to write. Talk about heat instead of light.
Here:
[Fatas] Let me start with the obvious point: your debt is someone else's asset…
