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.
Purchased the 10-yr treasury at auction, and swapped MHYSX for TIAA’s version of Inflation-protected bond fund, and Vanguard Total Bond fund. MHYSX was a recent buy but decided I wasn’t in need of additional high yield, so traded it in for lower ris…
Added to FPNIX in IRA. Was considering an add to an individual agency bond, but want more flexibility to sell if needed, so went with FPNIX, which has over 75% in securitized bonds. Intend to enter the 10-yr treasury auction in the morning.
Added to FPNIX and PRCFX in spouse’s T-IRA. Exchanged small amount of 403-b funds from TIAA Trad (earning 3%) into starter position into JPMorgan Core Plus Bond (JCPUX).
@Sven - “It may not too long when buying opportunities arrive and you will appreciate the fund has ample dry powder.”
Exactly my thoughts about owning this fund at this point in time.
@larryB - We’ve held Wellesley for over 10-yrs and did well until the Fed raised rates. Prior to retirement we simply continued DCAing into investments like VWIAX. But I didn’t have a mindset allowing me to move our Wellesley investment elsewhere.…
@larryB - I get it. I used to ignore active funds; then funds with er’s over .5%. Now in retirement I find I want an active fund manager(s) to conservatively manage a part of my investment. FPACX’s data is compelling:
- ~60% in equity (Domestic …
@Observant - RCTIX is showing a 1% allocation to CLOs as of March 31, 2025.
https://www.rivercanyonfunds.com/wp-content/uploads/2023/09/RCTIX-Fact-Sheet-03.31.25.pdf
Rick: How can you close investigate me? On what grounds?
Captain Renault: I'm shocked, shocked to find that gambling insider trading is going on in here!
[a croupier broker hands Renault a pile of money]
Broker: Your winnings, sir.
Captain Rena…
@Hank “I’m thinking Thursday’s selloff was based more or less on fundamentals, while Friday’s selling was mostly sheer panic.”
This makes sense to me and I’m hoping cooler heads prevail on Monday. If not, I’ve still got some more dry powder avail…
Even though I had cash to invest during the pandemic, I hesitated - caught between wanting to exit or take a chance to buy while the market was low. I chose to hold what I had and invested only small amounts at the edges, kicking myself later for t…
Added to NRDCX and invested the smallest amount in an individual corporate bond
- cusip # 37046AFR1 General Motors Financial Corp
- 4.85% yield (BBB)
- 2-yr
- first call 3/26
I have been investing in treasuries and agency bonds. This was a very sma…
I can’t help but ask, “what if?” What could trump/musk do if the government DID shutdown that they couldn’t while it’s open? Better or worse than what the CR has wrought?
Not for nothing, but maybe Schumer got it right in a no-win situation.
“If the Fund invests in a derivative instrument, it could lose more than the principal amount invested.”
I was invested in PIMIX during (approximately) 2017-2019. It delivered consistent dividends each month, but continued to lose principle. I ev…
@larryB - Yes, my younger self also responded differently from the current me. I was w*rking in 2000 and 2008 then and socking money into my retirement funds while they were cheaper. My equity position was approx 75% at the time. As I entered retir…
The author opened with this: “ President Donald Trump is attempting the most sweeping transformation of government and policy in decades. The White House is moving furiously to slash spending, expand tariffs, repeal regulations and rewrite tax rules…
I had been lamenting not reducing our retirement equity positions from 38% to 33%, but after these last few market drops, I held my nose and made a minor contribution to VTI and VIG. Falling knife? Probably.
@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
