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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
American funds (Capital Group) and Franklin have launched a number of passive and active ETFs. @yogibb has it correct that these ETFs are cousins and their respective OEFs. If you compare them side by side on their top 10 holdings and sector weigh…
No survivors. Will the Wagner group disband or someone else steps up?
https://apnews.com/article/russia-wagner-prigozhin-jet-crash-a7859e4e57f2efa2547dfbe5bdbaa1b2
I used to post % of investment. Since everyone financial situation and risk tolerance differ, I am not sure how the investment % would help. Otherwise, these information could potentially be misleading and not constructive. Besides MFO premium has …
Hopefully this scenario in NOT a replay of this May’s situation and the repercussions that it created on the market. For instance, treasury was downgraded to AA+. Will see how McCarty works through the opposing extreme right this time.
Here is some background info on Peter Fisher at Wellington.
https://hartfordfunds.com/fund-managers/peter-fisher.html
Guess he will be succeeding Donald Kilbride as Kibride manages solely on the new Vanguard Advice Select Dividend Growth. Noted t…
We did have a few individual stocks over 5% each when we were young. These days we invest mostly through mutual funds, ETFs, and few individual stocks, Getting a modest return is good enough for us as we learned to be better investors over time.
…
Don’t think rate hike has peaked and the FED starts to pause. Given the strong labor market, low unemployment rate and heathy consumer spending, inflation will remain above 2% FED target. Thus, there is a good likelihood of another round of rate h…
@msf, I have been most successful talking with live Fidelity representatives in early morning (before 7 am EST) or after business hours (5 pm). Their secured messaging is slow and appears to be AI generated. My D&C question took over a week t…
Concur that USFR is ahead of TFLO in 3 and 5 years performance in terms of Martin ratio while having similar risk (MAXDD %). Yields are 3.8 and 4.3%, respectively. Search is performed using MFO Premium.
Fidelity and Vanguard fund screening are …
Thank you for your summary that is just as informative. A gradual shift to intermediate term bonds over 3-6 months would work as well. Still prefer active managed core bond funds. US dollar has been falling so oversea bonds are attractive too.
I talked with Fidelity representative more than once about this topic and the issue remained. D&C funds are sold on their TF platform but they are not listed under their Mutual Fund tab.
This happens to funds that are undergo registration cha…
The recession debate is ongoing since conflicting economic data are posted on regular basis. Inflation is slowing but it is far from the 2% Fed target. Tight labor market (service cost), increased manufacturing (GDP) and consumer spending are counte…
I guess it is a matter of time when we all get expose to data breach.
We are not using any cloud-based storage for our personal documents. Much more secure to store them on our external drives.
At work we use One drive. DropBox is okay for non…
Jeff Gunlach was fired from TCW under weird circumstances over 10 years ago.
https://reuters.com/article/us-tcw-lawsuit/ex-star-manager-gundlach-sued-over-stealing-drugs-porn-idUSTRE6064YI20100108
Gunlach later formed DoubleLine management that wen…
Not here. Zero funds were acquired by Osterweis a year ago. Attached is a note from MFO posting. https://mutualfundobserver.com/discuss/discussion/comment/148769/#Comment_148769
Please review the Great Owl funds listed under “Funds” tab above. […
Georgia Secretary of State, Brad Raffensperger, spoke about Mr. Trump:
“The most basic principles of a strong democracy are accountability and respect for the Constitution and rule of law,” Raffensperger said. “You either have it, or you don’t.”
…
@Old_Joe, thanks for compiling the info. The indictment is significant since it occurred at the state level. Unlike other indictments charged at federal level, this case will continue well beyond 2024 election. And there is no escape! Charge #1 …
Took profit from stocks and gold several weeks ago and now adding to bonds including RiverPark Strategic Income, institutional shares, RSIIX, and short term T bills.
My deepest condolences to those who perished and suffered great loss. It is on my plan to visit these beautiful places. Just cannot believe the photos from the aftermath.
Lowering from $50k to $5k is indeed very good news for retail investors. CrossBridge funds are on transaction fee fund platform at many brokerages. Fidelity customers can use their automatic investment features for additional purchases for $5; no f…
@yogibb said,
While Moody's rates credit unions, I haven't seen reports of similar downgrades.
Credit unions have simpler models - take deposits, offer CDs, provide auto and home leans, park excess in Treasuries. They don't have CRE exposures. The…
Thanks for the info. We bought some 12 months T bill this week as other T bills matured. Yields are rising after Fitch’s downgrade of US Treasuries. For taxable account we prefer T bills due to the state tax exemption. Otherwise, brokered CDs are …
Thursday’s futures market is up a bit.
https://finviz.com/futures.ashx
Think we will enjoy more of the beach than the stock market.
Addition: Thursday morning, both US and oversea futures market drifted downward.
Think it was premature to say that US may not enter a mild recession, i.e. soft landing. It is a question of when and how severe the recession will be. Many conflicting data right now with the tight labor market, low unemployment rate, falling CPI, …
Thanks @yogibb for your perspective. Today all stock and bond indexes are down. We will see how this plays out in light of a number of good economic data. Now the earning reporting is upon us.
In August, 2011, S&P downgraded US treasury and the stock market tumbled. Will it be differ this time?
https://npr.org/sections/thetwo-way/2011/08/08/139081051/developing-in-wake-of-s-p-downgrade-watching-the-markets
Addition to being tax-exempt for federal tax, state-specific muni funds are also exempt from state tax too. For those who are in high tax brackets and living in states with high state tax, they would most benefit after taxation. The “double” exemp…
How time has changed with American funds. By the time we invested with American, the R6 (retirement accounts) were available - no load and no 12-b-1 fees. AF has served us well especially during drawdowns. Today, we moved to their newly created ETF…
