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A somewhat separate comment:
I have often wonder why state, city workers and non-profit workers aren't offered the government's simple but successful Thrift Savings Plan (TSP) as their sole option, much like Federal workers. Instead, TIAA-CREF and …
There is a fund company that by its very design is fiduciary. Designed to offer shareholders low fees, little or no manager risk, and return the average risk of the market without the need to stock pick. But they also seem to have issues with D.O.L …
I have vnmfx and ottrx in small amounts but some days wish entire equity allocation was there
These two funds are linkable if entered as caps...VMNFX (I had to rearrange the letters) and OTTRX. Hope that helps.
GDMZX seems to fit into this L/S met…
@msf, Good point: An H.S.A. income tax credit reduces any form of taxable income. Also, only earned income can be contributed to Traditional or Roth IRAs where as any income (earned or unearned) can be applied as a tax credit to fund an H.S.A.
From…
I also read somewhere that Roth 401(K)s do have RMD at 70.
Not technically a conversion, but another "strategy" to help reduce RMD at 70 would be to consider using Traditional IRA dollars to fund your H.S.A's (Health Savings Account) yearly contri…
Please check my math:
With $5.5 Billion AUM, SEQUX with its 1% ER nets $55 million in annual fees. These annual fees are obviously impacted by recent poor fund performance, but in a year when shareholders absorb a 25% share price loss, management …
Does anyone own Jensen Quality Growth fund, JENSX?
Fund Mojo describe this A+ fund (Mojo ranking system) this way:
"Jensen Quality Growth J Fund seeks long-term capital appreciation. Jensen Quality Growth J Fund primarily invests in equity secur…
Thanks @ducrow for the discussion on this fund. GDMZX should help readers hyper link for research.
I came across these links on their website:
guidestoneinvestments.com/Funds/Listing/Select/Specialty/DefensiveMarketStrategies.aspx
and,
guidesto…
thanks so much for sharing this Ted. Yes the Old S&P has been quite good to us.... Sometimes its easier to keep it simple... Ted, I had a question. could you please tell me the fund you use for your cash equivalent? Why do you like it? than…
It's so flimsy it won't even serve to get a fire going in the fireplace.
That's funny...I remember as a kid when generic brand products were sold in white packaging with simple black lettering like, "Macoroni & Cheese"... or,
Bruce's fund and…
@Old_Skeet,
I believe I have asked you this question before, but was hoping you could help me re-remember.
As you move in and out of these managed funds aren't you "managing the manager's" decisions to do exactly what you are attempting to doing.…
Thanks @hank. I own PRWCX as well as another moderate allocation fund BRUFX.
Just received the Bruce Fund's End of Year Report and their management analysis included this:
"We believe that the worldwide economy remains fragile, and is likely to p…
Spending, whether in retirement or any other time along life's continuum often doesn't net out as zero. Money spent on real items verses services retain some tangible value. This is why there are auctions, estate sales, and tag sales. Obviously we a…
As an alternative view is this study introduced to me by MFO's @jstr (thank you):
"The popular 60/40 Stocks/Bond portfolio performs well over the past 24 years, but adding a simple moving average to this portfolio has increased returns, reduced the…
Also, one shouldn't disagree with @Ted especially when his post is confirmed by @Old_Skeet. ;)
I was just adding (or subtracting) to/from the thread with some recent readings on a S&P 500 (VFINX) 10 dma strategy discussed here:
60/40 stock/bo…
@JunksterBut I also have that covered as my long time lady friend is my neighbor. So your not against the idea borrowing (a cup a sugar) in retirement. ;)
I have often wondered how spending habits change in retirement. Interesting how RMD will be …
Debt is a drag on one's available resources.
If a newly minted retiree has had the discipline to pay off debt prior to retirement more power to them, but using your retirement nest egg to eliminate debt at the start of retirement seems counter intu…
Getting back to the question as to "where" should retirement withdrawals come from this study researched a number of options and I liked this quote enough to pass it along:
In virtually all the scenarios, "it pays to eat your bonds first, equities …
Interesting Read using a three fund portfolio (VFINX, VUSTX, VSGBX or VFITX) and a 200 mda filter.
From the link:
"The popular 60/40 Stocks/Bond portfolio performs well over the past 24 years, but adding a simple moving average to this portfolio ha…
I made a note as to my portfolio value back when the S&P hit 2130 (about 5/22/15). I have done nothing to my portfolio since that high. It will be somewhat interesting (to me at least) to see how my portfolio compares in value if and when the S&…
Has anyone explored the tax considerations with respect to Safe Withdrawal Rate?
I'm gonna assume that a Roth withdrawal could potentially be 15-40% smaller due to the fact that these withdrawal don't get a "income tax haircut" prior to fulfilling…
I would like to hear from other retirees who have successfully navigate a portfolio's downside risk in retirement from the point of view of a safe withdrawal "method". In other words, along with a SWR (Safe Withdrawal Rate) there also needs to be gu…
Thanks for this "message in a bottle", it led me to these two articles:
7twelveportfolio.com/Downloads/A-Better-Balanced-Fund.pdf
aaii.com/journal/article/the-importance-of-diversification-in-retirement-portfolios.touch
GLFOX has a low beta, high alpha historical record. Not that it will continue this way but in comparison to TOLSX it has weathered this last storm quite well.
Here it is charted with TOLSX and your IDE:
One thing that makes my wife, a retired schoolteacher, angry are the fact that some school districts offer annuities as a component of a tax-deferred 403(b) account.
Cheers
Might want to visit this site for some resources:
403bwise.com/participa…
Performance Trust offers a pure muni fund in PTRMX.
As a multi-sector bond fund, PTIAX seems to have strong convictions for munis and non-agency residential MBS. These two categories seem to make up 75% of the fund.
@Junkster et al,
Not sure if you follow these interviews, but M. Buchanan thinks everyone should own a Closed End HY Bond Fund for its relative yield, for it's discount to NAV and for its relative performance to equities along with it's lower volat…
Will take another look at DXJ and DXJH in particular and looking now. The $/Yen.....
Also related, the ongoing purchase program of Japanese etf's by the BOJ.
Use of these two ETFs were also mentioned during the Wealthtrack interview with BlackRoc…
meaning you could probably beat a hedge fund with an actively managed no-load mutual fund with an ER of 1% or less and no 12(b)-1 fees.
These funds did just that:
Recently I decided to take a road trip and drive 1500 miles this winter rather than use Jet fuel to get where I was going. Four fill - ups came to about $120. Hotel room for 1 night on the road came to $75. A cooler full of drinks/snack kept my food…
Let me reply with an excellent post by me below.
And ... what task will 10,000 automobile assembly line workers move onto? You say potato ... I say potato.
I'll be the last to advocate for unemployment or underemployment or the demise of manufac…
