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.
HowdyTed,
See, you should present your full portfolio, especially for the younger investors here at MFO. Perhaps a monthly notation, so they will learn and benefit for your investing experience.
Your're ahead of our house; but we're only 40% equit…
Hi rono,
Yuppers...........a financial physcopath, tis he. An insiders, insider; among the others of the global financial world.
Take care over your way.
Catch
Morn'in Ted,
Appeared as you were going to fill the void..... Here
Heck, you should post a weekly. I suspect your portfolio is at least at +15% YTD. That's worth a notation, eh?
Here’s what President Barack Obama‘s statement on Lawrence Summers‘s decision to withdraw his name from consideration to be the next chairman of the Federal Reserve would have looked like after 40 milligrams of Sodium thiopental:
And the truth link…
Hi Heather,
A thoughtful write(s).
A view I offer is from my personal technical (electronic/mechanical background); not as in "technical analysis" related to investing.
I hold a 6" long hex-headed threaded bolt in one hand and the appropriate hex…
7-10 year treasury price
This is daily pricing, which looks a bit more hectic; versus weekly pricing. You may change to weekly price charting with changing the dropdown near the top and left of the chart, just to the right of the ticker IEF. Then …
Morn'in hank,
The "shelf-life" of the busier threads appears to be constant at about 7 days.
The recent "Selling PAUDX today" had a large run of 51 comments and more than 1,000 views. This thread was bumped forward several times after resting fo…
Hi msf,
Thank you again for "being on top of things" to help us sort out the facts.
As you would have read in this thread, a portion of this discussion found the words for "drawdown", meaning investment portfolio downside loss limits and RMD beco…
Morning Again Ted,
Any of the 12 notes Mr. Merriman presents will offer something to the reader.
In particular, in my opinion: points number 1, 5 and 12.
---number 1, the predictions from experts and/or charlatans. In our (you and I, and many ot…
Morning Ted,
Some here will be able to obtain insights related to investing and themsevles, from Mr. Merriman's points; that may help them going forward. This is the nature of MFO, education.
Take care,
Catch
Hi Bill,
So many areas/sectors were connected with large losses during the 08-09, it is difficult to assess going forward if anything would be different from a similar event. Many index funds would not do well, I suspect. And yes, recovery could be…
Hi Junkster,
You may be out into the forest already; but reply I will.
Their portfolio (which will be all IRA's) is about $800K.
I agree, that there is a point in time when one has to set aside some of what you noted as "fret" about the portfoli…
Hi Old_Joe,
You are correct as to how any major event that affects a portfolio has many variables to the well being of the investor(s). These folks in this thread could lose a large percent of the portfolio ($800K) and likely never have to move to f…
Hi davidrmoran,
Thank you for noting the I-shares. They will be reviewing various fund types; although their exposure/knowledge is more to active managed funds.
Take care,
Catch
HI hank,
I agree, regarding a 50/50 mix or otherwise will float around over time. Moderate and balanced funds have some large gaps among styles and sectors. We can only get "close" to some mix that satisfies an acceptable range of mix, eh?
I find no…
Hi MJG,
Thank you for your time and effort with this thread subject.
The couple has previously been made aware of the LazyPortfolio and Merriman portfolios; of which, I recommend to all, for study and consideration.
OJ also noted about the abiliti…
Hi BobC,
I apologize for providing an improper response to your question.
You noted: " The target 5% drawdon maximum is one of the two or three most important points. Think about this now...they want to lose a maximum of 5% in any calendar year (…
ADDENDUM
I've been out of town. I will place replies, but will also add this information.
---The retiring couple has indicated that their traditional/Roth IRA's and the rollover 401k monies will total about $800K.
---Another part of their plan is…
Hi MikeM,
I agree. But still looking for some observations/comments for such a portfolio; and I don't know a better starting place, than here at MFO. Yes, the whole mix of retirement planning is more than an investment portfolio. This is not an att…
As previously noted, oligarchy remains the name of the game. The insiders will maintain, regardless.
oligarchy
1. government by a small group of people
2. a state or organization so governed
3. a small body of individuals ruling suc…
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…
