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Sven
Lynn,
Thank you so much. I am planning on a 3-year ladder since I am a year away from retirement. Lots of spreadsheet work to calculate the income replacement needed. This ladder will create a steady income stream. So thank you for all your help.
I moved back to high quality bond funds this year. Some of which you covered in the SA article. For now, I will stay with agency bonds to the bond ladder. I will pick active managers for corporate bonds.
Sven
Probably the most important step is to set up alerts to your email and phone of changes in your profile ( ie email etc) and Deposits and Transfers.
Great suggestion for everyone. Automatic notification brings to your immediate attention to unusua…
The 6 months trend of dollar is declining. Today could be a flight to safety - dollar as the safe heaven.
Trimmed bank loan and tech last month and waiting patiently for better opportunities.
I did not find “locking in” option in Schwab website from outside. Perhaps Schwab customers can do a more thorough job searching within the site. Calling their customer support is another option. Please share your finding with MFO posters here.
Go…
This link is free for viewing.
https://dnyuz.com/2025/10/03/her-stocks-were-quietly-stolen-from-her-i-r-a/
Several months ago, we froze asset transfer in our Fidelity accounts including ACATS transfer. You can unfreeze it temporary to make withdr…
@bee,
My understanding is that wealth management fee is bases on AUM, not solely on the gain. Win or lose for that year, the management firm, say Schwab or Fidelity, still charges 1% of AUM.
We must talking about different arrangement or fee st…
We greatly reduced paper forms and statements when we switched to online payments awhile back. Everything is downloaded and saved on multiple drives. It is much easier to tame the paper tiger.
We own a shredder from Costco for the past 10 years.…
bee said:
In my world, management fees would only be allowed on positive performance (the gains), not the initial investment amount (the principal).
Are you referring to the asset management fee in wealth management that brokerages offer ?
Thank you for the informative Fareed’s reporting. China is no longer a manufacturer of low tech stuff. Far from it, the country’s long term objective is to becoming global competitor. This trade war plays into their hands as beef is imported from …
There is more than a pep talk.
"This is going to be a big thing for the people in this room, because it's the enemy from within, and we have to handle it before it gets out of control," Trump told those gathered for the highly unusual event at Qua…
Senate left for the night. That guarantees a government shutdown tomorrow.
https://nbcnews.com/politics/congress/government-shutdown-deadline-democrats-republicans-trump-blame-rcna234516
Labor data will be available on Friday. Will the market be…
@WABAC, interesting that our oversea funds/ETFs far out-paced that of S&P500. Same goes for bonds too on dollar term. For now i will take a wait and see.
Excerpt from Barrons article,
One last caution from the committee related to retirement assets. Nearly a third of accredited investors today count their retirement funds toward the wealth test. Less wealthy investors might be less able to endure t…
@msf said:
And there are also family responsibilities assumed voluntarily - helping out with extraordinary medical expenses, education, and being available as a resource of last resort. Definitely not a complaint - I'm glad we're fortunate enough …
Don’t know what everyone experience has been. We notice our grocery bill has gone up 30% easily this year. Same for traveling. So we cut back accordingly for all discretionary spending. The consumers are actually paying for the tariffs.
Check ou…
@Vegomatic, nice example! The only difference is that Steve Romick is no longer part of management team in FPAG while the other two managers still run FPACX.
If Roth 401(k) is available in your company, it would be to your advantage to do so. Pay with after tax dollars now and future appreciation on the Roth account will be tax-free. The company matching $, however, still go your traditional 401(k). M…
Historically OSTIX does not performed like other high yield funds. Kaufman’s team tends to stay away from the junkier tiers of bonds, including private equity. They are patient investors and stay in cash when the opportunities do not meet their crit…
Thanks, @Old_Joe. Very insightful excerpt:
One cause of the issue is America’s shortage of skilled technical workers, which stems from a long-term decline in manufacturing employment and the offshoring of production. The U.S. lacks the workforce …
Automation will be widespread in these factories/plants.
No doubt it will be very costly over many years. Do we have enough talents to program and maintain these robotic manufacturing ? It took several decades to retrain the entire auto industry…
From a previous post:
As to how to get fee waivers at Schwab, other posters have provided information. In that same thread:
sma3 said:
I got the fee waived when I told my rep that I wanted to move VTMFX over from Vanguard but would not because of …
Money laundering, especially with foreign national, would be a serious issue. Is this what Putin has a hold on him? Something that is beyond some embarrassing stuff ?
It appears that Johnson is deflecting the narrative away from Trump.
This is another distraction on DOJ release of Epstein’s massive files. Bondi wants to redact GOP names mentioned in thousand pages of document. Pressure is on from last week’s testimony from many victims. Wonder how pervasive this case can be and…
Think this topic was brought up earlier this year. Roberta Flack is well loved for her incredible talent. Her rendition of The last time I saw your face made it in Clint Eastwood’s movie, Play Mistry For Me.
https://youtube.com/watch?v=d8_fLu2yrP…
Agree. There are many low cost short term bond funds/ETFs.
At present, FPAG is trading at relatively low daily volume, so be patient to build to your target allocation.
Above all, these migrant workers are human beings, and they are doing back breaking jobs that American workers don’t want. This goes to the farm workers, meat packing factory, home construction, and others. Wonder why your grocery, restaurants, and…
You are welcome. The FPA managers are really good on how they weave in and out so to add value to FPACX. Have a large cash position is where their secret sauce lies.
In that article, FPAG is competitive to several active ETFs that is worthwhile …
Here the Seeking Alpha article that @larryB was referring to.
https://seekingalpha.com/article/4810400-fpa-global-equity-etf-actively-managed-for-the-long-term
Similar to David Giruox, FPA managers are very opportunistic in their tactic positioni…
Labor number released today does not bode confident that the economy is bursting at the seam. Actually, it is contracting for several consecutive months.
Stagnation: The data underscores the extent to which consumers and businesses are struggling…
We have small allocation in gold and gold miners ETFs. They paid off well this year as they serve as a hedge against many market risk and instability. It maybe a bit late to add more with gold at over $3,000 an ounce.
Not interest in either oil…
