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.
Here's hoping @Ted that your illness is only "a short trip to the woodshed".
One of my favorite Ted threads is when Dr. Ted would prescribe the woodshed for my comments that suffered from LTS... (Low Ted Standards). Maybe you have spent some time t…
Understanding the 'Hold Harmless" provision with regards to SSI and COLAs:
nhold-harmless-rule-protects-social-security-from-medicare-premium-increases
In a related article:
"with demand growth for zinc and other metals waning in China somewhat, with a notable downturn in new construction there among other things, you wonder if, or to what degree, Glencore is chasing down a declining market (in gr…
Since reading this thread I've pinned the word "liquidity" to a few of my remaining brain cells. Here's David Fuller of Fullermoney commenting on the concept of "liquidity" and the recent closure of a highly leveraged etf:
"Generally speaking, a hi…
Lump sum. But I earn my money in lumps.
You must be a prize fighter or crabber (lump crab). I'm a baker... I earn mine in crumbs and slivers and as a result my dough is slowly raising.
Bought gnw bonds yield 7.2%...bb~ rating
Hi @johnN,
Could you remind us how well all of these individual bonds are working for you? Have you found helpful resources for researching individual bond selection and for cost effective ways to purchase t…
@David_Snowball,
This may be an unrelated scenario, but over the next 30 year cycle there will be a large portion of our economy (baby boomers...you included) that will be spending a sizable portion of their retirement as their main source of incom…
@catch,
This approach (buying into a new fund) might have some advantages, but the SEC produced this cautionary article and it seems to be a good general reminder of the success of any mutual fund:
-Scrutinize the fund's fees and expenses
-Know ho…
Do most of the buyers of the new fund also still wait outside all night for concert tickets and apple phones and, dare I say, do you go shopping when the rest of the us are comatose on Thanksgiving?
Sorry, but I just don't get the hype. Nor the ru…
TPP and its impact on Global growth talk about here (Frank Holmes):
Trans-Pacific Partnership (TPP)
Trade Pac
TPP webpage from US Trade Office:
https://ustr.gov/tpp/
As I learn more about Roth IRAs I believe there may be diversifying potential with a Roth REIT IRA. Custodians for Roth REITS are hard to come by for small investors, but owning individual properties that are bought (hopefully at a discount), manage…
Bottom line, employees are given a narrow a set of choices within retirement plans to adequately diversify away from Mr Market. When Mr. Market is fickle... it don't tickle.
As I learn more about Roth IRAs I believe there may be diversifying poten…
Doctor wakes his patient and says "I've got good news and bad news."
Patient: "Give me the bad news, first."
Doctor: "You have three months to live."
Patient: "OMG! What could the good news possibly be??"
Doctor: "See that nurse over there? I'm dat…
Lies, darn lies, and statistics.
From the Economist source link came this quote:
"Predominantly private health care in America eats up over a fifth of each household’s budget, whereas the European Union, where public health care is common, only s…
"The men who fail seven times out of ten are considered the game's greatest heroes"
But what of the adversarial pitches and the tenacious defense that were responsible for such a struggled success? Or what of the struggled life itself, outside the …
Recharacterization are another tax move investors might consider this time of year.
From Ed Slott's website:
"The deadline to complete the recharacterization is October 15 of the year after the year of the conversion. If you miss this date, you ca…
LB that reminded my of vanilla wafer and Saturday afternoons as a kid...lame , but entertaining. Thanks.
OJ, I continue to believe technology will be the place to invest even as one is replace by the next.
VF, somewhere between fast food and fast…
Putting a value on gold requires measuring the marginal cost of production plus the fear premium. Measuring the fear premium is the tricky part.
Storage is another cost... whether as slips of paper (etfs) or the actual metal.
I'm looking at this strategy backwards.
If I were 11+ years away from retirement I would hold only bucket three, but add NAESX to the portfolio. Percentages could be adjusted in bucket three to make it more or less aggressive depending on individua…
POAGX. Midcap Growth. Hmmmm.
While screening for MC funds yesterday, two Vanguard MC funds surfaced, VMVIX (MC Value) and VIMSX (MC Blend).
I have to agree with @heezsafe, POAGX seems more of an 'Multicap Growth" fund.
@prinx,
Thanks for the fund suggestion. I will check it out. Do you own their healthcare fund ETNHX?
Looks like both POAGX (33%) and ETGLX (22%) significantly overweight healthcare compared to the MG category (13%).
ETGLX (1.5% ER) has a bit of …
I'll continue to "buy and hold" POAGX. What would be your "yang" to any of these choices since there is considerable volatility?
10 Year comparison of POAGX to these choices:
Per M* tax data:
A combination of performance in both up and down markets makes VWINX compelling.
VWINX worst year wasn't much different than VTMFX/Cash, but much better most other time.
I think this is also the misleading component of Yahoofinance charts verses M* charts. M* charts reflect dividends & capital gains reinvested where as Yahoofinance charts are purely price charts.
Price charts are misleading from a total return…
Sounds like the managers of RNCOX act as middle men collecting a pretty steep fee for deciding when to allocate to the CEF and when not to.
Is there time in their busy day to find other "opportunities"?
There is never a bad time to swap out an under performing dog of a fund so long as you stay invested (sell, then buy).
I did this at the depths of the tech bust (2002) with a Vanguard "Dud of a fund" (VWUSX). I swapped proceeds into two of their …
What you say is true ... but, I decided to put it in my taxable account because I am now retired; and, I have no earned income. I believe, I have to have earned income to make roth contributions?
You could consider a Roth conversion sleeve where by…
Also,
A withdrawal from a Roth IRA is tax free at any age. A Roth IRA can serve a dual purpose as a tax free, penalty free emergency fund source prior to age 59.5. I have on occasion utilized the once a year rollover provision where by I have distr…
Here's an interesting way to accomplish this:
"...a special rule allows Roth recharacterizations to occur on a standalone basis, as long as the conversion is placed in a separate account in the first place.
In fact, this "separate account" rule is…
Using M* chart for same time period. This seems to squeeze the data vertically (on the x axis)...neither seem accurate. In fairness to the fund, a $10k investment in 4/05 was worth $21kish in 4/15.
Since May of 2015 through the last down draft …
These ten funds haven't given me good reason to substitute out my present income fund choice... Pimco Income.
Fund flavors (PONDX, PONCX, PONPX, PONRX, or the cef PDI)... thanks Mark.
@bee so, when you send in your hsa money for the year, you have no control over when they buy shares in the fund?
Actually it gets invested as it arrives, but it remains fully invested until I redeem shares or a dollar amount. All of this is done …
