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.
Not much talk about tax loss harvesting, but I did just that last week by selling PTIMX.
I'll now look at BMBSX as a replacement during the 30 day wash period.
Investors who manage taxable investments should have a list of similar funds for just …
I utilize an excel spreadsheet to coordinate my overall portfolio. On a monthly basis I update the shares count by visiting my individual accounts. On a daily basis (or less often) I use YahooFinance to create a comprehensive portfolio of all of my …
Everyone needs an emergency fund...invested conservatively...to cover basic expenses for rent, food, and insurances. The question is how many months or years should you prepare for?
“If you lose your job or are recently retired, you do not want to h…
This excerpt seemed worth noting:
My back-of-the-envelope calculation shows that a 60/40 stock/bond portfolio in mid-February has now become a 51/49 portfolio, entirely on the basis of market action. This is very large drift in a very short time. Gi…
Your health is more important than a pay check right now. Closures are required to achieve suppression of the virus. Governments should play a role by enforcing and promoting social distancing and isolation (of confirmed cases) while at the same tim…
March Sadness:
https://wealthtrack.com/wp-content/uploads/2020/03/March-Sadness-Continuing.pdf
Tipping Point for the Global Economy:
https://westernsouthern.com/fortwashington/insights/tipping-point-for-the-global-economy
@WABAC
The Fine Print
Although these funds are closed to new investors, if you are an existing investor, you can often still make additional investments and give fund shares to friends and family. Whoever you give a fund share to then becomes an…
In fairness, this fund has under performed MAPIX for most of its existence (2011).
Here's that chart:
https://screencast.com/t/5rmnxOrz2
The fund has two new managers (less than 3 years). Here's the more promising three year chart.
https://scre…
Using @David_Snowball time frame (2/19 - today) I don't see how M* missed MCSMX:
Chart comparison to oversea list with MCSMX added:
https://screencast.com/t/nU2dzaPP
Third and fourth on the list of countries impacted by the virus are Italy and Iran. I find the maps interesting from the standpoint of transmission. Any insight as to why these two countries have such high numbers?
FMIJX has only been around since 2011, but it seems to offer a less bumpy ride on the international roads than OAKIX
Comparison (FMIJX is Blue)
https://screencast.com/t/aH8SN5eam
@mikes425 without knowing your income needs its hard to give accurate advice, but with such a sizeable PF value would you be comfortable with a PF that mimics a conservative allocation?
Looking back over the last 25 years, merely owning a conserva…
@rforno,
When I compare VMVFX to PRGSX's performance I have no long term complaints...just that these most recent losses seem worth noting. VMVFX did behaved more in line with its mandate during the last two downturns (2016 & 2018).
For additi…
@rforno from the VMVFX annual report you refernced:
Although our research leads us to expect that, on average, a minimum volatility fund may outperform the overall global market in sharp downturns (while still experiencing losses), the fund should b…
Seems to me a minimum volatility fund should be positioned to deal with both upside (optimize positive volatility) and downside (minimize negative volatility). In a sense, I am referring to successfully positioning a fund to maximize "upside/downsid…
Like VLAAX, I don't think you can go wrong with BRUFX...in both up and down markets. It is my sole investment for my HSA and I like the simplicity of their website. Not for everyone, but over the long term its one of my keepers.
Whoever you do finally select, see if they will match the best transfer offer available at the time.
Free money to transfer:
https://google.com/amp/s/www.bankrate.com/investing/best-brokerage-account-bonuses/amp/
Interesting Article on Volatility and what's in store over the next year (between now and March 2021):
The rise in T-Bill yields which was taking place leading up to the March 2019 top is now getting echoed in an up trending set of values for the VI…
@Old-Skeet
I cam across these two tables and thought of your barometer reading.
Wondering if it might be of some service until you can crunch your personnel data:
https://screencast.com/t/aEu5meDi
and,
https://screencast.com/t/9YXdTRKMj7G7
Worked well for me. I used TT over the last few years. FTUSA did not have the export / import feature TT had with many of my financial institutions. My forms were simple to hand fill. There also a income limit on "free"...I believe AGI of $36K for s…
A would suggest pick a target date fund for the year when you will need it and fund it to meet that need. If you are saving for college...what year will your kid enter and how much will you need? If you are saving for an income source when you retir…
From a total portfolio stand point my largest holding is my pension/immediate annuity that I annuityized at retirement ten years ago.
It presently makes up a little less than 50% my total portfolio...it keeps bread on the table and allows the remai…
@mcmarasco,
I just wanted to add two other considerations, inflation and the change in interest rates over time (the time frame of your loan more specifically), to this conversation regarding paying off a mortgage with savings.
Both real estate a…
@msf...Muni income (though tax exempt) does increase AGI (Adjusted Gross Income) . Your links may have already mentioned this. I recall this fact when calculating AGI (for ACA Health insurance) a few years back.
