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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
In-service rollovers to T-IRA are allowed by TSP. Not many retirement plans allow that. 401k/403b vs T-IRA involves other issues covered elsewhere (TSP is formally not 401k, but follows similar rules).
Yes, one can rollover their TSP account to a …
There is a fixed administrative cost the employers pay for their employees to the plan administrators. It appears the government want to employees to pay for most of it and that is why you are seeing two layers of fees. Personally this is a losing …
derivatives funds
I think you meant actively managed funds. The fees are too high to be worthwhile.
If the government wants to be competitive. They have to offer solid performing funds with low fees, i.e. institutional shares, without transacti…
This trend of high mortgage rates and high home prices cannot persist forever. Home sale and mortgage application have been declining for several months. Because there is limited inventory of houses for sale, the pricing still climbs in certain par…
Not sure what you are seeking. Vanguard has a very basic comparison tool for their funds and other families. It provides 1, 3, 5, and 10 years performance, top 10 holdings, sector invested, historical volatility, expense ratio and minimum $ requir…
The oversea version of SCHD, which is SCHY, is only 2 years old. SCHD has a longer track record.
@yogibb provided a good list. Also CDC and VG Dividend Growth, VGIDX. It is a good idea to review the sectors invested that may reveal how the fund…
Many long haulers from COVID cannot return to work even if they want too. Often they start collecting disability. The work force is returning but not at the pre-pandemic level as manufacturing and construction are still have a way to reach full ca…
The police on-site waited outside for 60 minutes instead of going inside to pursue the “active shooter”. Don’t buy the story on how the situation changed from active shooter to a barricaded situation. I believe the police made a terrible error of …
bear market rally
That is for sure. Will see if this will advance tomorrow and weeks after. YTD, the US, developed and emerging markets are still down 14.4%, 11.6% and 13.6%, respectively. Bond index is also down 8.6%. So it will take some time t…
@BenWP, sorry to be late in replying. Awhile back I was in similar situation as you on subscribing SA and finally decided not too for other reasons. Since I subscribed to Barron’s and Apple News, adding SA would be too much to keep up with. As you…
There are other factors we don’t have visibility on their day-to-day operation such as the supporting team of analysts and company culture.
Don’t know how much Rondure has grown since they branched out from Grandeur Peaks funds. For awhile Rondur…
Few asset classes work this year, except for energy and commodities. Bought COM and DBA (more recently). Market fell considerably since May’s rate hike and there are few more to come. So I am reluctant to commit more to equity until the inflation …
Texas GOP calls to arm the teachers and security guards. We have gone down that road since Parkland, FL and it did not resolve the issue. The ease of access to assault firearm is ridiculous!
@carew388, you are correct. I have made the correct in the post above.
Look like smallpox vaccine maybe needed if the cases spread rapidly, as noted by @Derf on vaccine manufacturers.
Coming off COVID pandemic new monkeypox cases are causing some alarm. The fact that the principal transmission mode is through physical contact of open sores on both sides and not an airborne virus. Crowded living conditions tend to promote this t…
Thanks for the additional information. More recently, Fidelity contacted us through phone and email to invite us to their Private Client Group services. Not really interested right now without having a face-to-face meeting preferably, or even a Z…
Physical branches are still necessary for many transactions, especially mortgage application. We helped our kids to start their banking accounts in the local credit union - a much easier experience than doing it online.
Wonder what Ms. So new role will be?
Currently, Seafarer Is running only two funds and they are very focus on executing their strategies. In my opinion, it would be beneficial to add her as a co-manager to the existing funds.
Two links provided…
Perhaps the fund has a flexible mandate similar to those in allocation funds. At present, the fund is consisted of 95% equity, 2.5% REIT and 2.7% cash. Good candidate to investigate further.
I had a new metal roof put on last year for about $20K. USAA raised my replacement value about 30K and yes, the premimum zooooomed. I thought a metal roof should have lowered my cost due to better fire protection.
Fire hazard has expand west of th…
Unlike internal combustion engines, no CO2 is produced in hydrogen-based fuel cells ethereal an electrical current is produced when hydrogen is combined with oxygen (from air). Water is the by-product. Fuel cell technology has been around for sever…
Notice that people are seeking safety by buying treasury now. BND is treading upward as the market fall this week.
The sell off on Target and other retailers are shaking up the entire market. Target and Lowe were down double digit this week.
Didn’t GP funds had a hard close on their funds last year? If they are reopening now, it indicates they are having a meaningful outflow. Tough time now to invest in this environment.
I switched to VHT when Owens retired. Much happier without dealing with the 60 days holding period. Not easy to find good active managers for healthcare/ biotech funds.
Concur with @yogibb on “safe” investment. Made many of these changes late last year to build up cash position. Except for I bond, the trade-off is that these safe investments are losing to 7+% inflation. We are okay being in “red” this year in our …
The whole trust of globalization is changing fast and it is winding down with Russia. I am sure they will come up with their version of Big Mac and others.
This Nature article describes the manufacturing life cycle of EV batteries. The ability to recycle spent batteries is the key to make EVs sustainable and to replace internal combustion engines. Much higher energy density battery technology is neede…
@BenWP, Andrew Foster of Seafarer funds (former Matthews Asia Growth & Income fund manager) has many articles on investing in China and their risk.
https://seafarerfunds.com/documents/the-china-investment-dilemma.pdf
https://seafarerfunds.co…
Where is a safe haven when the asset class correlation between stocks and bonds break down and they move in the same direction? Cash in short term is okay but it lost its value to inflation at 7%. Energy and commodities are few sectors that are po…
I have relatives who have driven TSLAs With the AC on Radio etc, the range is no where near 200 More like 125 to 150.
Everyone is holding their breath for the Truck, but who wants to spend that kinda money on a vehicle that won't go cross country …
