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.
Are we in a new Treasury bond bull market? New this week is an insightful report, “From cornering the market to backed in a corner” from Michael Contopoulos, Director of Fixed Income at Richard Berstein Advisors. The RBA team has generously agreed t…
Thanks @msf for chiming in. Not only do articles get things wrong, but rules change.
I like to visit Ed Slott's website for accurate information and updates on changes. Here is a link to a HSA search on his site for HSA topics (128 articles) that …
@davidmoran
So what's the point of going beyond SP500?
When it come to Large Cap Equity exposure, an S&P 500 index is a great choice. Many LC funds are nothing more than closet index funds with a much higher ER. Some LC managers differentiate th…
Mergers seem to be part of the fabric of investing and is not always a positive sign for the company, nor their investors.
- Pepsi is selling Tropicana ($3.3 B will go private)...I wondered will this benefit Pepsi shareholders. Maybe.
/pepsico-se…
I ran these two funds (I changed VOO to VFINX) to allow PV (portfoliovisualizer) to go back to 2002. I included VWINX and PRWCX to further compare a withdrawal strategy over the last 19 years. I used a 6% withdrawal rate (pretty aggressive) for each…
Are the Fed's efforts to buy bonds... bonds that I assume invest in the growth the economy... an effort to grow the tax base? Don't jobs and wages need to keep up with both the Fed's bond buying and Congressional Debt expansion?
Seems wage growth …
@rforno,
From your chart the "Lower 490" look as though they have not even made it back to Jan 2020 levels. Also, I believe historically the "Top Ten" stocks have regularly out weighed and - in good times - out performed the "Lower 490". Isn't that…
"One man's spending is another man's income"...mentioned here, regarding the long & short term debt cycles.
So might our governments debt (spending) be a component of our citizenry income and a mechanism (debt) to grow the economy?
EDUCATION BURDEN
Goldman Sachs said in a research note its one year price targets on the listed tutoring stocks would be cut by 78% on average. The impact, the note said, would be mostly due to the ban on weekend and winter and summer holiday tutor…
From your M* link I went to the performance tab. At the bottom of that page M* creates a list for your...minus the tickers. You might look at the portfolios of these funds as they may hold a considerable amount of global companies. Also, FMIJX is a …
TIPS attempt to predict future inflation rates:
with inflation, we have a really easy way to see what the market expects inflation to look like through time. By looking at the spread between the yields of TIPS (Treasury Inflation Protected Securitie…
I would not want to do that myself, but I have thought it would be the best arrangement for my wife if I go first, and I have told our advisor that.
Vanguard offers this for .3% (that's 0.3%) as well as access to Admiral shares. Minimum of $50K to s…
Block Tower Newsletters:
Originally known as “open finance”, the advent of DeFi represents yet another innovation on the rapidly evolving world of cryptoassets and blockchain technology. As with most new innovations, there is the growing litany of …
Before we had an opioid epidemic kid's (my nephew included) were dying of heart attacks. A State Trooper, smart enough to know how things work, explained that without parent's correcting death certificates nothing would be reported to the CDC correc…
Maybe add holding exposed to the stock market as one ages...rising equity glidepath.
Should Equity Exposure Decrease In Retirement, Or Is A Rising Equity Glidepath Actually Better?
should-equity-exposure-decrease-in-retirement-or-is-a-rising-equity…
@wxman123
Interesting EFT...an ETF fund of ETF funds...I charted HNDL against VWINX which appears to have a similar bond/equity mix...obviously not the same sectors. HNDL overweights Tech, Energy and Communication Tech.
FSDAX has tracked VIS (VINAX) pretty closely historically, but over the last 18 months FSDAX trails VINAX by 30%.
How much of this is virus related?
Prior to the virus (looking back 5 years) FSDAX was out performing VINAX by 47% and from that p…
Over the short term I have been impressed with two of my funds, PRWCX and FRIFX. While other funds in my portfolio are testing their 6 month lows these two funds have exhibited lower volatility and a steady price appreciation...little recent retreat…
@Sven
VWIGX
GISOX
Maybe PRIDX as a Small Cap International choice as well.
I try to take a long term view when I venture internationally / globally due to volatility concerns. Volatility management led me to VMVFX (a Min Vol Fund). Charting funds…
Here the Buying Power Study referenced in @davfor link and an image. Staying ahead of inflation when you no longer enjoy wage inflation (a raise from work income) is probably why Wade Pfau and Micheal Kitces recommend a increasing equity glide path …
@msf,
This is all outside my pay grade, but I think you make a good point regarding the use of borrowing on margin. I just would be concerned with the risks of borrowing on margin and how one might mitigate risk.
If one bought real estate using a …
From further reading:
-A quickening recovery is reshaping the demand in ways that could create both short‑term and long‑term potential opportunities for investors, Sharps says. Areas that could potentially benefit include the travel and hospitality…
@JD_co USAA has USBLX similar but a slightly higher ER. I also believe Vanguard has a Small cap Tax managed fund (VTMSX) that might be a nice addition to VTMFX.
Click here -
Allocating VTMFX with VTMSX
The problem is no one in Congress thought about putting an upper limit on Roth IRA withdrawals when they wrote the law
Congress has done the opposite for inherited IRAs by eliminating the stretch provision for heirs. All inherited IRAs (including R…
@msf, amazing work. Thanks.
In the brain of an investor (me)... I would add that comparative math can ease or ulcerate the nerves.
If I am willing to take investment risk I often assess risk based on comparisons...to others...to the market.
I m…
I assume Index funds (which don't pick stocks) may also lend stocks that can be shorted. Behemoth index funds would have lots of share to lend at or below the 1 % level.
Let's look at VFINX (VOO). HD is 0.97% of the fund which equates to 22 million…
I like to look at upside and downside cature ratios of mutual funds to see how defensive a fund is. The Morningstar site provides this data (look in the "risk" tab). When I use Portfolio Visulaizer's data it appears inconsistent with M* (FWIW). You …
