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.
Hi Derf,
They do have a plan in place for inheritance. They also plan some travel, both in Michigan (lots to discover and enjoy in this state) and perhaps some "snowbird" travel to Florida or the Alabama gulf coast for a few months during Michigan'…
Hi bee,
I won't disagree with this point. A surviving spouse would have access, to a given monetary point; from the spouses SS, upon the death of one. I place this area as the "take a chance" that neither will pass away between the age of 65 and 7…
Hi BobC,
You noted:
So are these people going to need any dollars from their investments?
>>> Not at this point in time. Their "net, after tax" pensions will cover their living needs with monies remaining.
Their pension income will co…
Hi OJ,
They are fully qualified for SS, but do not need to start the program at this time.
Thank you for noting this missing info, which has been edited.
Take care,
Catch
Hi Flack,
I know that they have used and watch 50 and 200 moving averages against a particular investment. I suspect this method may keep them out of deep trouble. They are not prone to slash and burn methods with either buying or selling and would…
Hi Bill,
First, glad to know that your area is not involved with the fires in the region.
The portfolio mix question is for a couple, both age 65, retiring this fall; and some other data in the list. Is this what you are asking?
Take care,
Cat…
Hi bee,
You noted: "I have often wondered ..."would a single balanced funds do a better job of balancing a collection of allocations (investments) than a individual investor balancing a collection of funds for their collective portfolio?"
Knowing …
I'm a think'in that our house's dart board or a coin toss for pre-selected targeted investment sectors may prove as effective as anything else.....for the next several years, which may as challenging as the past 5 years.
Central banks/governments …
Hi msf,
You have me digging through more stuff. :)
1993 FCNTX data: has the 3% front load, except retirement accts., asset base now $6.2 billion from $86 million in 1987, ER moved up from .83% in 1987 to 1.13%
Back to my chores.
Take care,
Catch
Hi Mark,
Just happen to have some Fido data papers upon the floor from a massive "gonna get rid of some of this stuff". Contra had no sales charge in 1988, per this 1988 dated paper. Many other Fido growth funds at the time had 2% front load and 1…
In addition to msf's notations, the following links provide information about another part of etf's that should be a consideration for an investor; being whether options trading is allowed for a particular etf.
An overview could be a hot market sec…
The article stated, " Researchers at the Tinbergen Institute of VU University Amsterdam studied the effects of a one-time policy decision in 2005 that allowed certain civil servants to retire at age 55 with benefits, versus the typical early retirem…
Diversified Emerging Markets
A long fund list at the above link; although multi classes of the same fund cause some of the length. However, there are only about 20 funds in the list that are positive for the year. The YTD range travels from -25% th…
Hi MJG,
I did not intend to be "snooty" about the Khan link; but I surely could have done better with my note about the prior linkage. MFO, thankfully; is a busy site, with a lot of threads and links.
The more the better for the educational side,…
These two book links are to Amazon. The purchase would help support MFO.
This first book, published in 1996; will contain outdated numbers for reference, but the human habits and variables which allow one to be wise or unwise with money habits rema…
Hi VF,
YouTube has many categories regarding investments. Not unlike its parent company Google; go to the YouTube home page and type in what you feel are the appropriate words for your search and check through the list. There is a mix of some video…
Hi Hogan,
I used this data to help a friend with a determination about selling 600 arces of tillable land in North Dakota one year ago. Not unlike any agri. states, land values vary in areas due to the quality of the "dirt", water sources, etc.
N…
Howdy Ted, :) :) :)
Thank you for the reference.
A special request was just called into the station, for you..... hold on, I'll get it started right now.
Wait a minute. Another request, thank you, caller number two.
Have a pleasant remainder of…
Hi OJ,
I don't know that it is all lack of interest; but perhaps lack of time available for some subject areas.
This topic could have books written about it, eh? Oh, wait .....
The social ramifications have been and remain large and important, rel…
Hi Mona,
I should have (been too busy here) noted the page link as a decent place to review funds. I like the layout, too.This is a fairly new function/layout at Fido and the nice part, too; is that anyone may use the area. The other "tabs" are use…
Hi hank,
I agree, the article wasn't stellar. That is why I noted about the comments section, which I considered more worthy. Many times we learn more from the comment area, than from the original story. Heck, we all read many articles that never ge…
Reply to @Ted:
Well, you know the point. Knowledge is power, in many forms.
University at this house, for the parents, is long ago paid.
But for those who desire; but can not afford a higher education, will continue to lessen the quality of life i…
Reply to @bee:
Agree. Ann Arbor, MI; Univ. of Mich. main campus, has maintained a strong real estate market through the thick and thin economic swings in this state. 'Course this and everything related to universities/community colleges and their s…
Added: This link is an excellent tool to use to look at a paticular school and/or for comparison of pricing. The left edge data entry area allows one to place selected information for the search. After finding a particular school, there are numerous…
Reply to @Mona:
IBM 401k Plus Plan Click upon the green tab named "All Funds" for the list.
The page notes 194 funds. One usually has to be registered at these sites for full info.
Catch
Reply to @Ted:
You noted: "Granted not all 401(k) plans have very good fund options, but you should in the best they have to offer."
You answered your own question. I will state again, as you noted; "Granted not all 401(k) plans have very good fu…
Howdy Ted,
Okay, Ted; I'll ask again. Why the attacks. Folks here at MFO should know where this is coming from. Have I ever been negative or nasty to you?
I just don't understand.
Regards,
Catch
Howdy MikeM,
You are correct; and Ted is correct for his circumstance. My reply to Ted and golbu1 is that through one's working career and employee retirement accounts; circumstances with which we have no control cause different requirements for in…
Reply to @Ted:
I already stated that SPY equivalents are available and used. And why wouldn't we want our chosen balance to each account? We don't want one account too heavy towards bonds and another too heavy against equity. We attempt to blend eac…
Howdy golub1,
You noted: " My question is since when we are talking stocks why is that so many individuals own 20 and 30 equity funds?"
I don't recall anyone here at MFO stating they owned 20-30 equity funds. Perhaps someone may have 20-30 funds o…
Reply to @Ted:
You noted: Why do they own 20 or 30 equity funds ? They don't know anything about investing, and want to make fund companies rich. Having to own 8 different funds for large-cap exposure is total nonsense. You can have adequate expo…
Morn'in Charles,
I requested to Fido, to provide to me; the correct data regarding the 3.5% load indicated at their fund summary review page for FPNIX. I am sure this is a data entry error; as Fido does not add loads to funds, and as you are aware,…
Howdy Charles,
This is the Fido page link for FPNIX. Scroll down a bit for the expenses, below the "Details" section. 'Course, as we all discover, pricing varies among the big houses for funds outside of their own mix. I don't find another share cl…
As noted previous; and applied for our house having 8 different retirement accts; with 401k's, 403b's and our IRA's (trad. and Roth). One grabs what is available with some of these accts' and many plans are not all that great for fund choices. If a …
Reply to @Charles:
Yikes, Charles. FPNIX has a 3.5% load at Fido, plus the .57 ER and short term redemption fee. Pretty much a wash against plain old BND with its .10 ER; although with a higher losing % YTD.
Thank you for all of your time and effo…
Reply to @Ted:
Yup! And your point is ???
I'm sure more folks than yourself read his blog or Washington Post articles.
As to your link, too; looking at the time frames of the postings, I was in "post-production/edit" when you posted. "My bad",…
