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@jerry,
I believe "d'Pudd" made another attempt and the link was a bit different than my suggestion.
Here's his follow up:
mutualfundobserver.com/discuss/discussion/31145/interest-rates/p1
Hope that helps.
PONDX continues to amaze (though not a HY Bond fund).
Maybe @Junkster could chime here, but I also see WHIYX as a reasonable HY choice as well. M8 knock this fund for recent management changes. Another choice that performs similarly to WHIYX, but …
Has anyone utilized the Guggenheim Bulletshares bond etfs?
Here's their site. A bond ladder can be evaluated (created) using their bulletshare bond etfs. Each etf is sold (distributed) in the year it matures.
Overview:
gi.guggenheiminvestments.com…
@VintageFreak:
Your comments are exactly spot on. Both the media and the investment experts do a piss poor job of explaining bonds.
I'm no bond expert so I will make a shout out to @Junkster, @BobC, @Anyonelse who would like to step into this thr…
One problem I have with the data is its starting point (2000 market top). Index fund often get crushed in downturns in the market since these types of fund remain totally invested. Managed funds have the opportunity to make risk on/ risk off decisio…
@Crash & @JohnChisum,
Vanguard offers VPACX which holds 60 % Japan and has a 2.5% yield.
Hennessy has two very successful Japan funds that are a bit pricey (ER), HJPNX & HJPSX. HJPSX has out performed (over the last 10 yrs). It holds 60 com…
@Tony,
I wanted to link the update to the Golden Butterfly Portfolio you referenced:
https://portfoliocharts.com/2016/04/18/the-theory-behind-the-golden-butterfly/
Something very futile about walls. Described here by one of the best.
Mending Wall - Poem by Robert Frost
Something there is that doesn't love a wall,
That sends the frozen-ground-swell under it,
And spills the upper boulders in the sun;
And makes…
@Puddnhead,
Time to trim Duke's finger nails.
Here's another longneck (data deep) site that allows the reader to select different countries...open the pull down window on right side of page where you see the "United States" is Listed:
tradingeco…
PRESSmUP , for what it's worth, my Schwab financial guy told me Schwab does not offer HSA accounts. Digging a little more, I found none of the big supermarket brokerages do. I have not found a good place to set up an HSA that can invest in much else…
In the discussion portion of a @PRESSmUP link I found this Optimal Retirement Planner:
"The Optimal Retirement Planner (ORP) computes your tax-efficient schedule of retirement savings withdrawals for your entire planned retirement. Withdrawals from…
@davidmoran Roth conversions
The cynical side of me thinks:
Paying taxes (Roth IRA) first would reduce AUM for managers like Edelman by the investor's tax rate or between 20-30%. This would equate to a 25-42% loss of profits over a 30 year time fram…
@msf"Generally, only one qualified HSA funding distribution is allowed during the lifetime of an individual."
Agree with this, a one time (at any age) direct roll over (trustee to trustee) from a TIRA to an HSA. I did this the first year I funded my…
Thanks @PRESSmUP for these two links.
In a similar manner to a Roth conversion strategy, I will be funding my HSA with T.IRA dollars from 59.5 - 65. I consider this a tax free conversion if I use these HSA dollars for healthcare. Also, there are n…
@JohnChisum
Two valuable strategies that @Old_Skeet has mentioned:
I found it beneficial to take all mutual fund distributions in cash and let these build in the demand cash sleeve of my portfolio.
Also,
If you are faced with selling securities to …
@msf,
I've never seen a clear statement on how past qualified medical expenses of the deceased spouse are treated.
I ask this same question on Ed Slott's discussion board and received this answer:
@PressmUpIn retrospect, I should have done earlier what my dad did for many decades...buy boring, dividend paying stocks.
Dividend stocks held in taxable accounts receive preferential tax treatment from year to year and when inherited are provided p…
@PressmUPYour question seems more nuanced...how to generate a stream of income from your accumulated assets in both an IRA and perhaps a taxable account.
I agree with the weakness of the linked article's ability to delve further. As I search for bet…
Remember you are not necessarily insuring your property, but the mortgage that you have on the property.
Most "home owners" might be better described as "mortgage owners". "Home owner's insurance" insures that the "mortgage owner" (the bank) is pr…
Here's a link referencing it for Dec 2016:
finance.yahoo.com/news/this-contrarian-indicator-says-the-sp-500-is-set-to-surge-19-193618725.html
Still looking for the source...
A HELOC is probably the fastest way to get your hands on a large sum of money quickly and with reasonable repayment terms. Think of it as an emergency fund that you may never need but sleep better knowing you have it.
More often than not I find these class action suits (often encouraged by "ambulance chasing" lawyers) as a disproportional money grab by these lawyers.
As small investors we all should be represented by our investment fiduciaries in matters like t…
This newsletter update seemed to fit the thread:
Prospects for International Stocks, Value Stocks, and Bonds in the New Year
funds-newsletter.com/jan17-newsletter/jan17-new.htm
It's always a surprise when it comes to investing.
On the decision making side...
I let go of FAIRX and TGBAX...I guess I got tired of waiting.
I began to trust the wisdom of simplicity...I have pared back on the number of funds I own.
Gone a…
From the article:
"RMD first-timers — those who turned 70½ just this year — get an extension to April 1."
Does this effectively mean that someone who turned 70 1/2 in 2016 can wait to take their first RMD until April 1, 2017? I would assume that th…
I love reduced disinflation. Gonna sleep on that one.
While buying "Jumbo Shrimp" yesterday I witness first hand how this term works. I guess consumers will now have to unlearn maximum procrastination.
@Ted,
I am a subscriber of FTR. This was as a result of a service vacuum left when AT&T (U-verse) folded in CT.
I have taken an interest in following this stock when you first mentioned you bought it earlier this year. I have also watched th…
I couldn't find a previous MFO topic link on this (I believe linked by @Ted), but here it is from the horse's mouth (or the other end if this strategy doesn't work out):
https://researchaffiliates.com/documents/586-The-Emerging-Markets-Hat-Trick.pdf
@willmatt72 If the inference is that I'm late to the party on healthcare, I disagree. But time will tell
Not at all...probably good to dollar cost average in as the wrinkles get worked out with Donnie-care.
Recently, I purchased VHT as a healthcare play. Looks half decent to me.
This remind me of the call I got from the doctor.
He said, "I have some good news and I have some bad news".
This sounds half decent, right?
I asked the Doc to give me th…
Thanks for article @Ted.
I'll add a few other thoughts.
A second home needs to be commutable...for me, that was no more than 90 minutes door to door. The thing about the Cape (mentioned in the article) and other exotic destinations is that they t…
Nice @Edmond...I'll have what he ordered!
I'll add that many of the struggles humans encounter have much to do with securing a living wage. When one is not available, social ills (crime, addiction, government handouts, lack of education, etc) incr…
