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.
@bee “These articles focus on workplace employment statistics, yet ignore the very important non-paying and non-workplace work many of us do for our loved ones and how these hard choices impact the workplace.”
I think this is a valuable insight. I …
@CLAY62 and @Mona - I also grew weary of watching VDIGX putter along, so recently exchanged both of our Roth allocations from VDIGX to VDADX in one and VWENX in the other.
“Panama has denied making changes to allow US government vessels to transit the Panama Canal for free, following White House claims it had agreed to such a move.
The State Department said in a statement on X that its government vessels "can now tran…
In terms of investments, this Canada/Mexico fubar is my investing tipping point. I’m holding 35% in equities but willing to drop to 30% on Monday if a market dive doesn’t happen.
With all the craziness happening these past two weeks, I had intended to move a significant percentage of equities to our mmkt acct on Friday, but chose to wait and see at the last moment. Sheesh! Foolish me!
I had an active week reorganizing the T-IRAs:
- Moved VDIGX to VDADX and VWENX
- Moved small percentage of VWIAX to PRCFX
- 2-yr t-note matured and allocated funds for 10-yr TIPS at auction and USFR
- Sold DODIX and invested funds in ICMUX
- Sold …
Don’t recall if it’s been mentioned, but I find etfs useful for *buying-the-dips* in equities while the market is open (drops of 3% or more), rather than waiting for purchase at market closures. Sometimes it’s even to my benefit. I think for some i…
@BaluBalu - I get it. I wouldn’t buy 20 or 30-yr treasuries for the same reason - longevity; and yet I’m comforted looking at/buying longer term agencies (at the yield that services my own debts) knowing that they’ll probably be called in the first…
@BaluBalu - thanks for re-introducing agency bonds into discussion. Still, 3-month continous calls? So the investment is constantly prone to being called. I’ll pass on that option. Here are a few I’m pondering. I like that at least they have a gua…
Sold DODIX and invested in ICMUX with the funds. In October ‘24 I had thought DODIX would be an appropriate place to re-enter intermediate bonds in 2025. After the last few years in bond fund land, my patience is short (as will my bond fund duratio…
Sold SCHD, JQUA and BIMIX. Decided that we weren’t going to build on them. Used part of the sale for starter positions in ICMUX and CBLDX. Like the horsepower in the former and the smoothness in the latter.
Really conflicted with a long time, lar…
Have purchased the following callable Agency Bonds from MMkt acct:
3130B3MS9 - 30-yr 6.25% (1st call date 2/25) IRA and taxable
3133ERB34 - 7-yr 5.125% (1st call date 5/25) IRA
3133ERB26 - 7-yr 5.0% (only call date posted 11/25) IRA
Been shopping in the T-IRA Bond Store with RSIIX, OSTIX, RCTIX, FPNIX, DODIX, BIMIX. High yield, Multi-sector, short and intermediate term funds. Money coming from sale of VG Ultra short term bond whose yield dropped well below VG Mmkt, and maturing…
@msf
First, let me say that I enjoy your investment contributions on this site. You take a focused and analytical approach to data, which is well thought-out and clearly outlined. I appreciate it. You have carried that forward in your response to …
It’s NYC. Perhaps the difference is that NYC promised, in writing, access to a traditional medicare supplement upon retirement. So we collectively have taken the Adams administration to court multiple times and so far, the courts have sided with us…
@msf @fred495 I am one of those NYC retirees, of which there are over 250,000 of us, represented by multiple unions (firefighters, EMT, teachers, etc). Prior to the MA proposals we had a choice of multiple plans. However, both the first proposal be…
We have two deferred accounts requiring RMDs; one provides a monthly draw for living expenses, while the second will be withdrawn in December. Both have taxes withdrawn during distribution.
I was still working during the GFC and had a mantra of staying the course. It’s easy to say “woulda, shoulda” in retrospect. But the fear then, if you hadn’t experienced ‘87 or lost biggly in ‘00-‘01, holding on by your fingertips and chanting, “I t…
@Observant - “The last time I checked, QLTY didn't hold NVDA or TSLA but it held the five other Magnificent 7 stocks.”
That’s what I noticed at M*. NVDIA has so thoroughly out-performed (excluding last 2-weeks) all the other Mag-7, which MAY, in it…
From: M*
GQG -> NVDIA = 10.X% (top investment)
QLTY -> MS = 7.X% (top investment; NVDIA not found in M* top 25)
This might account for *uneven* results over short period of time.
Deployed cash we had accumulated in T-IRAs during the spring ‘24, into mostly equity. Not a lot. Just enough to make me concerned about being too early.
@Sven - Mmkts will be dropping, but I’m not sure they’ll drop so far so fast. If the FOMC drops the short term rates 0.25% what will current MMkt (5.x%) at VG drop to? So I don’t see a reason to bale out of cash; but I could be wrong. Time will tel…
Continued to add to OSTIX, RSIIX, and RCTIX in our T-IRAs. With individual treasury rates slowly dropping, have been shifting money into these 3 as treasuries mature.
