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.
How Block Chain Technology May Help Individuals Secure their Digital Identity:
Forbes Article:
Ideally the only risk you should have when it comes to managing your digital identity is whether or not your personal systems have been compromised, inst…
This give me a new idea to pitch to the show "Naked and Afraid".
Instead of offering contestants a fire starter, rope or map we see how long it takes for them to lose the credit worthiness (identity) by merely buying a latte, posting an update to …
@catch22,
Using portfolio visualizer I was able to create a third scenario, a 50/50 portfolio of LT treasuries (I used BTTRX since data wasn't available on EDV back far enough) and your EFT choice, SDY.
Compare the data in yellow. Since 2006, 50/5…
Thanks for linking this article @Ted,
Well worth the read:
The second, specifically in the fintech world, is the blockchain. Many technologists tell me the block chain is the most important innovations in human history. They equate it in terms of i…
@msf,
Thanks for your comments. I see your point.
I have also read that the best time to convert to a Roth would have been at a market low. "Convert to Roth low when potentially more under priced shares can be sold "cheaply". Ultimately it is the…
Thanks for starting the thread @slick...it helps me think.
Presently my portfolio consists of 62% equities and 36% (Bonds and other...Preferred, Convertibles) and 2% cash.
My allocation funds make up 21.2% of my portfolio (VWINX, PRWCX, BRUFX) an…
Some others descriptor differences between,
M* category names and Fund Family names:
"Bank Loans" are described as "Floating Rate"
"Consumer Defense" as "Consumer Staple"
"Market Neutral" as "Event Driven", or "Arbitrage" or "Long/Short"
"Non-Tradi…
To add to @Maurice comment,
M* uses category descriptors like "World" (World Allocation, World Bond, World Large Cap, World Small Cap) while fund companies more often than not use "Global" in their fund name these very funds.
When M* categorizes…
Anything that sits idle could be considered "zombie-ish". Cash in bank, an antique car in a garage, a painting on a wall. Ownership entails risk whatever the investment, especially real estate. Maintaining the value of a RE investments also comes at…
Here's another take on asset allocating across market risk and time.
Ray Dalio's All Weather Portfolio:
Equities = 30%
LT treasuries = 40%
IT Treasuries = 15%
Gold = 7.5%
Commodities = 7.5%
-Rebalanced once a year.
Reminds me of PRPFX, which few …
Ray Dalio has made a splash here over the years and his presentations are very swimmable (understandable) for the average investor.
https://youtube.com/results?sp=CANQFA%253D%253D&q=ray+dalio
Might be nice to get others to earmark their favori…
I own FSRPX. A concentrated fund holding 38 companies and with just 10 making up 75% of the fund and just two companies (AMZ and HD) making up 44% of the fund.
The top 25 of 38 holdings are:
The fund has struggled a bit as of late, but has had …
Here's an April discussion on Target Date Funds that might be worth adding to this thread.
mutualfundobserver.com/discuss/discussion/comment/87952/#Comment_87952
Getting back to MFO, all shades of Tech Funds have performed well over recent years.
@Ted has been a fan of Tech (QQQ).
How do you expose you portfolio to Tech risks and rewards?
Thanks @Ted,
From the article:
Last year, the White House’s annual economic report of the president (under President Barack Obama) forecast an 83% chance that automation will take a job with an hourly wage below $20, a 31% chance automation will ta…
These thread headlines are posted "off topic" for a reason. You have just added an "off topic" post about "off topic" posts.
Must be a slow "Fund Discussion" week for you and others.
While we are on the topic of "off topic" topic threads...
Her…
This offering makes me think of comparing it to Vanguard's VWINX (Conservative Allocation) which 40/60. Time will tell.
Maybe this fill a niche between some of TRP's more conservative funds like PRSIX (35/65) and PRWCX (80/20) which tends to be a …
Thanks MJG. I was moved by hearing Waltzing Matilda again (Matilda is an affectionate way of referring to an Aussie's backpack). I first heard the Clancy Brother version of this song and its haunting lyrics of the human cost of war.
Liam Clancy si…
Enough opportunity/interest in fixed income to start this fund...Interesting.
Is this new fund asset allocating between PRWCX and one of its other established "income" funds?
Thanks for the head up Shadow.
@Maurice, I believe this is considered a stretch IRA (inherited) which used your age at inheritance to determine your lifetime RMDs. Your beneficiaries of this inherited IRA will receive it as a lump sum when you pass and be required to pay taxes in…
From a recent read:
Roth IRAs (as well as H.S.A.) aren’t subject to the required minimum distributions (RMDs) that apply to most retirement accounts starting at age 70½, so you can let any Roth (and H.S.A) assets continue to benefit from potential t…
Difference between CAT1 through CAT5 hurricane illustrated here. This cycling high powered air/water gun tear away solid objects turning it into artillery that adds to its destructive force.
Source:
tropical hurricane wind damage
@Tony,
A technique to find a security in an uptrend is to be able to draw a straight line upward through at least 3 of its price lows, preferably using a semi-log chart.
Some thoughts:
I believe this technique also holds true on the downside where…
@hank:
It's amazing how something as simple as "cash" becomes very complicated when you start slicing & dicing.
Just returned from my town dump... which holds a "cash" account that automatically replenishes itself when I get "down in the dumps…
Also, flooded cars (sold as flooded) may make there way onto rental car lots. These "wet wheels" remain useful profitable assets for rental companies. When was the last time you asked to see the title of the rental car you were renting? Flooded cars…
@Junkster & @Old_Skeet,
Old-Skeet, Isn't cash often a component of your mutual fund manager's overall holdings and therefore also included in M* Portfolio Manager performance?
I can understand Junkster point regarding overall portfolio perfor…
@msf,
Much of the complexity arises from insurance companies' efforts to give people high-priced features that they think they want but don't need. Such as return of principal.
When I considered an annuity for myself a few years back (almost 8 years…
@bee: Five Guys, the biggest hamburger rip-off on the planet !
Regards,
Ted
I can picture you, @Ted, having a melted cheese moment...just the thought of you getting ripped off...is that even possible?
Anyways, I kinda agree about the prices there.…
Nice article and website. Thanks for posting.
"The combination of a steady P/E ratio with rising earnings means that the model implies a rising S&P 500 through 2018."
Pondering simplifying my portfolio (20 funds), which consists or 65% Equities and 35% Bonds. I ponder (ask myself) am I doing an equal or better job than a single asset allocation fund that has a similar (65/35) asset allocation. Judging my collecti…
Isn't this what happened just a few days ago in the opposite direction?
So, when no one is buying; what drives the market either up or down disproportionately Art?
I believe the type of transaction you want to execute is called an "in kind" transfer. If both institutions are able to accommodate an "in kind" transfer of PRWCX I believe you will be able to maintain your shares as well as the privileged of buying…
