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.
First thought for me from the headline is money flows that will continue from 401k, 403b and similar accounts within employer plans as the boomers continue to retire. Not all of the funds in the list might qualify for such money reasons, but I will …
Hi @LewisBraham
Yes, I agree, about rates and coverage changes over the past several years. If I recall properly, some existing "old" policies had clauses that allowed changes (for the unknown?) in both pricing and coverage. So, some old policies w…
A few info trinkets about long term care insurance. Insurance is insurance, yes? Be it life, home, auto, etc.
Everyone's needs will vary.
Note: all data believed accurate
http://www.pbs.org/newshour/making-sense/insured-for-old-age-an-economi/
h…
@Old_Skeet , et al
You may change the subject wording of the thread, as you are the author of the thread.
This will allow you to indicate "closed, old, see new" or whatever. You'd have to be sparse with wording to provide the full meaning in the all…
@Crash
You asked: "What might people advise me, then, if my chief consideration is for monthly dividend income? PONDX pays .05 cents, PTIAX pays .10 cents to .11 cents."
>>>The question is: Is the monthly dividend income something you wan…
@Junkster
I did look through a few of the company holdings in their portfolio. From my limited knowledge of the holding types, that they are an "edger" sector of loan types relative to the mortgage area. 'Course, although these investment areas may …
Hi @Junkster
Yowie, eh?
IOFIX = +29.9%
PIMIX = +13.4%
http://stockcharts.com/freecharts/perf.php?PIMIX,IOFIX&n=521&O=011000
I double checked the performance math against M* and indicates correct.
I have not reviewed IOFIX magic sauce,…
I'll let the chart "speak".
PTIAX vs PONDX, from August, 31, 2010 ( PTIAX inception) to date which includes distributions for total return for the time period.
PONDX = 74.5%
PTIAX = 47.8%
Moving through time periods of the chart finds there were…
Morn'in @LLJB @davidrmoran
Yes, of course, some of this is about the "machines/algos". But, the humans in charge set the parameters and I am sure have an "override button" in place to alter the algos.
Relative to the simple side for we retail i…
Hi @Maurice
A visual of the two funds since inception of EVBAX:
http://stockcharts.com/freecharts/perf.php?LSBRX,EVBAX&n=1105&O=011000
Take care,
Catch
@Carefree
The below total return graphic is a busy chart with the funds you noted, but may help provide a perspective. I started the reference at about Halloween, 2007; as this was the beginning of the end of the high point for many equity sectors b…
Hi @expatsp
Well, they are different bond types, eh?
I recall that OSTIX evolved away from a more common multi-sector bond fund into a high yield bond fund about 3 or 4 years ago. The most current report indicates 67% high yield corporate and about…
I'll play..............
You'll be looking at a 6% return to year end, eh?
50/50 in FSPHX and PONDX, as the dollar value is too low for PIMIX, so a bit will be lost to ER.
Second place choice would be DSEEX, the whole boat load worth. I am allow…
@hank
Scroll down the page link a tiny bit to find the pure source of dark chocolate milk. Be sure to check the vendor label on the milk bottle to be assured they use certified dark brown swiss cows for their product. If one sees this breed in the p…
Whoa! The author noted that Mortgage Backed Securities funds can be as volatile as gold funds........ya, ok; dude, you're on my list of smart folks. Perhaps I misread the article about this. Please correct me on this, as needed.
From the author: "S…
Understood, Ted.
Obviously, the insurance rate info is for those affected by the need for coverage not provided by an employer or similar circumstance. A lady in the neighborhood with a teenager in the household will not be as fortunate as those c…
Morn'in @Ted
I recall all states have a cutoff date in June to announce ACA projected insurance rate costs and that June 21 is the cutoff date for Illinois. Michigan's announcement date was yesterday, June 14.
@willmatt72 We don't know your desire for inclusion of EM bonds in your portfolio and apparently Ted knows about your current holdings........I do not.
Not unlike other investment areas, EM bonds have their days in the SUN and days in the SHADE,…
Hi @icyone
You noted: "There is a difference between PBS Pledge week (and for that matter, PBS faux financial advice). Let's just say grown-up MFO readers should discern this, but just in case.... (Come on -- if you read MFO would you REALLY get you…
Hi @VintageFreak
Relative to other bond funds of all flavors; PIMIX PONDX shine brightly. 10 year annualized total return is just shy of 9%. Hell, these funds run over many equity funds of many flavors for the 10 year period. The alts, long-shorts …
Hi @VintageFreak
VWELX has limited access, to the best of my knowledge; without a Vanguard account. This fund ( VWELX ) is also more oriented towards a larger percent allocation to the equity portion. I can not purchase via Fidelity, but I have purc…
Hi @AndyJ
The equity closings are close to what was posted at 11am above having held through the day.
The below are the closings for the IG bond area on May 31. The yield trend continues downward for IG bonds having a short term peak (higher yield) …
@275LB_NY_MCPO
So, at this fine forum for investments and some side tracking of subjects to help one another; you choose to travel this path with these comments, eh?
Cranial/Rectal inversion may be a wonderful event; for those who do not recognize the symptoms !!!
Did/does Mr. T. know about the Beemer factory or so many other related? One wonders, eh?
Huh, the write is like she has been reading MFO posts over the years.
I need to see her verified and audited investment portfolio from May, 2007 to date to discover whether she still knows what she is talking about; as to placing her personal inve…
@275LB_NY_MCPO
You noted: "Option#2: Donate your social security to the cause...I have never calculated it into my overall investment plan, and I doubt I will ever see a dime of it when age eligible! It is another one of those guaranteed basic hum…
Hi @jerry
You asked: "Not everyone should or should want to be 100% in stocks/ Other than the annuities what financial assets do they own?"
>>> It wasn't expressed that they are 100% invested in stocks. As to the "other" you ask about; thi…
@Tony and @msf
Thank you for your inputs.
I did adjust what I had as a 5.91% return to a 5.66% as I had not averaged ER's properly.
And yes, I know these are assumptions regarding forward returns versus back looking at the life of, 10 yr, 5 yr, …
Hi @Tony
Well, I be hav'in lots of sticks in the fire today; including during the write.
Now doing the lunch break..........and maybe should have a nap, too.
Okay, the combined annuities yield 4.83% annually. This would be the first return hurdle…
One can only imagine the meetings, if there were any; for the decision making process.
On the side of irony:
"U.S INSTITUTE OF PEACE
"The Budget proposes to eliminate earmarked Federal funding for the United States Institute of Peace (USIP), giv…
Hi @Puddnhead
You noted:
"Still watching VWINX. It's still weak....might soon have to buy some."
>>> An excellent fund long term, and we own some at this house. It's +3.4% YTD; but its return this year reflects, so far, the weakness in bon…
