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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
Under-funding defined pension plan is wide spreaded in both public as well as private sectors. IBM was reported to fund their pension plan only 20%. Someday this will affect the older retirees, and those who use their 401(K) plan are better off. …
Sorry, here is the link.
https://news.fidelity.com/news/article.jhtml?guid=/FidelityFeeds/pages/junk-bond-etfs-use-caution&topic=investing-etfs&print=true
These are ETFs from Vanguard:
developed market - MSCI EAFE index ETF, VEA
emerging market - MSCI emerging market ETF, VWO
global real estate - Global ex-US real estate, VNQI & US real estate, VNQ
iShares, State Street and others have equivalen…
Reply to @BobC: Goldman's fund you mentioned is not available for many retail investors without an advisor. Would you please suggest other no-load alternatives?
Reply to @MaxBialystock: MAINX and SFGIX belong to two different asset classes - one being largely an Asia focused bond fund while the other is a global allocation fund. As much respect I have for Andrew Foster, I don't want to take on another fund…
Yes, I have been following both Templeton Global funds. It appeared that Hassenstab were early in certain countries, Japan and Poland. This year he is bounding back strongly.
Reply to @catch22: In the past I had invested in Fido FNMIX until we found Pimco fund.
Currently we are using Pimco Emerging Local bond, PELBX, with Asia exposure less than 20%. Pimco uses derivatives to hedge against duration and certain curre…
It appears to be an all-cap global fund. Not sure how this differs from several other global funds already existing.
https://www.manning-napier.com/Portals/0/FundsDocs/fact-sheets/FS_inflation.pdf
Dividend paying stocks, REITs and etc should NOT be considered as substitutes for bonds/bond funds since their risk profiles are not the same. For example, during 2008 credit crisis Vanguard Dividend Appreciation Index fund (VDAIX) lost 26.6% while…
Reply to @scott: "it is rather curious that they aren't using the money to buy anything"
Recent new Apple business including iTune, smartphone (iPhone), and tablet (iPad) are developed internally rather than through acquisition. And each are …
Welcome to the discussion board. This sounds familiar with insurance agents on selling annuity within retirement accounts. Personally I would exhaust all the tax-deferred options [IRA, 401(K), 403(b)] long before I consider annuity conversion fro…
Thanks Ted. Haven't seen 28 cents coffee for a long time considering what Starbuck charges these days. For the same reason, Vanguard's emerging market index ETF, VWO has overtaken iShare emerging market ETF, EEM in daily trading volume.
Reply to @Kenster1_GlobalValue: Shilling predicted China will have "hard landing" in 2012 as they have created their own housing bubble.
http://www.bloomberg.com/news/print/2012-02-02/china-economy-heading-for-hard-landing-as-exports-decline…
The fear of massive defaulting in muni market has not materialized last year. The lower quality, i.e. high yield muni, muni funds are worthwhile to consider for those who like to take on additional risk.
The recommendation of buying "real estate investment trusts, master limited partnerships and dividend-paying stocks" to supplement income is okay as long the clients fully understand the risk-return profiles are NOT the same as bonds. Take 2008 for…
Reply to @David_Snowball: As an investor of Matthews Asia Strategic Income fund, do you feel that the 30 day yield 2.83% is adequately compensated as compared to that of Vanguard Total Bond Market Index (30 day yield 2.17%)?
While it is not an ap…
Reply to @David_Snowball: I couldn't agree more with your last statement on Pimco's D shares - in short, it is a quite an expensive fund for retail investors, especially for a fund-of-fund. I know Scott probably has different option.
Unless on…
Reply to @catch22: Financial Engine provides a comprehensive picture using Monte Carlo simulation. It allows quite a few inputs including social security, retirement pension plan, tax-deferred accounts, properties, taxable accounts, expected retur…
Higher yields relative to US treasury that help to fend off inflation. Also beware of the higher correlation to equities than that of US treasury; thus expect more volatility.
Hey Catch, how is this calculator differs from Financial Engine?
Also where is the input for annual inflation? Not sure if 3% historical value is suitable?
Reply to @catch22: Actually 2011 was a good year to illustrate the downside protection of this fund. The balanced allocation is a less risky to gain exposure in REIT sector. I left Vanguard REIT index ETF, VNQ several years ago and invest in this …
For most part the changes (mostly the looks) are fine and I will get used to it. By the way, Vanguard is nowhere near as user friendly as Fidelity.
What is not useful at all as pointed out by Investor, fundalarm and msf, is the rate of return …
