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.
@Sfnative…. Appreciate your comments about dogs. Did your shelter care for cats? Off topic but my experience is that cats, unlike dogs,,, have a very difficult time with change. So I can’t move. My dear cat would object.
@hondo. Same boat here. My wife has no interest in this stuff and I think more and more about a vastly simplified portfolio going forward. As my CD’s and treasuries mature it might be time to build a position in Wellesley or some such thing. At l…
TRAIX @ Schwab. This discussion got me curious if this fund could be purchased at Schwab. I went to trade mutual fund and put in the symbol. To my surprise it told me that fund required a $1.00 minimum and no transaction charge. When I tried to bu…
@Fred495 + 1. It seems as though risk free 5% is possibly the “ magic number “ for many conservative investors . Which leads me to ponder what is a win? For me I am starting to think in terms of dollars instead of an arbitrary per cent.
@FD. I agree that folks with pensions and those who don’t are facing entirely different retirements. But I disagree with your second statement. If I had a pension ( and I don’t) I would have less reason to have “ a higher % in stocks.” Given a s…
@dt. Taking a longer term view of our portfolio composition I can see a time when reducing the moving parts becomes job #1. Managing a group of higher yielding income producers and then updating a group of CD’s and Treasury stuff may be interestin…
@dt. I have been been overweight CD’s since early 22 as well. I have become very comfortable with a risk free 5% and find that it suits me well. I am torn between going out as far as I can and still be real close to 5% or slowly returning to a mor…
@Davidrmoran. I am at the end of long and profitable relationship with SCHD. Would you be willing to share what you learned about the “value outlier? I understand a bit of how the index works and am fascinated by how the algorithm seems to have …
@Devo. I am curious if today’s concentration is meaningfully higher than its historical average. Not trying to use that info to predict future returns.
@Bee. A hybrid like the bucket system? It seems to me that plans laid out before one retires are not so valid once the paychecks stop. So many variables. Since we retired we have experienced a pandemic, zero interest rates, somewhat higher infla…
@YBB. Thanks for that contribution. It might be useful to use different components that go back further than 2012. TR sounds great till one is forced to sell low during a prolonged bear market. And Income is challenging in times of Zero interest …
If you aren’t paying cash don’t you have to provide proof of insurance to actually close the transaction. The lender demands it, and to be named as additional insured so the escrow people won’t let the deal close without it.
The Democratic Party is, if nothing else, not the cult of trump and not the party beholden to the NRA and the ultra wealthy. It is the ONLY party that still believes in democracy and the rule of law. I will leave the last word to you guys.
@dt. “Very fine people on both sides”. No Dt from Texas,,,,one side poses an existential threat to our democracy, one side doesn’t. One side threatens our daily well being with the worship of guns and the acceptance of every week mass shootings. …
@Hank. “Way too much politics.” I am guilty as charged. Maybe Bogleheads have it right. They have Zero tolerance for any remark even hinting of politics. And Zero means Zero.
False equivalency: comparing the spontaneous looting of some local businesses(not to be excused) and the planned looting of the United States Capitol with the intention of disrupting the orderly transfer of power after an election. False equivalenc…
Who knows? Maybe the Dems won’t be able to get enough votes to pass it. Is a poor deal better than crashing the economy? My macro view is the freedom caucus would like nothing better than to crash the economy, create even more turmoil and further …
@StayCalm. I am with you in that it would seem that the President negotiated badly on stuff he told us was not even negotiable. But trusting this Supreme Court to adjudicate the question of the 14th seems risky. As much as it hurts,,,, elections h…
@Dt …. Using the adjective “intellectual “ twice in one sentence to describe another person and said person’s thoughts is never meant as a compliment. So you aren’t fooling ANYONE. And if you believe that millions of trumps red hatted, confederat…