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.
@PRESSmUP - I remember the $25k minimum - It was just as I wanted to invest the previous minimum ($3,000?) and was told it had just gone up. Didn’t have the 25k at the time, so bought the S&P 500 fund instead.
@catch22 @hank - appreciated the education you two have provided for this long term lurker.
Perhaps the biggie between MMkt and treasuries is the untaxed state income with treasuries for taxable accounts, yes?
We’ve (DW & I) been at the conservative end with a target equity of 35% and 22% to TIAA’s Traditional account “guaranteeing” 3+%/yr. I’m grateful to have only taken a 7% hit this past year, between the 28% bond funds and 10% cash. Instead of in…
“ Although the benchmark is the ICE BofA US 3-Month Treasury Bill Index, the portfolio’s unconstrained approach makes direct positioning comparisons with the benchmark much less informative than for traditional fixed income funds whose holdings are …
Okay thanks, got it. “…..The fund also uses interest rate futures, interest rate and credit default swaps, and forward currency exchange contracts, primarily to manage interest rate exposure and limit the fund's overall volatility.” Still, it’s seem…
Hello @Catch22 - like you I’ve been curious about the clean/renewable energy sector and have watched it for some time. On Monday, purchased less than a toe hold in -TAN, ICLN, QCLN, and PBW. Yes, there’s quite a bit of overlap. Still there’s a smal…
Hi @Derf - I confess to 3 and 4-digit buys of VTSAX and VIG. Did that 2x over the past 2-weeks. I was impatient, wanting to put some cash to work. We’ll all see how the market responds on Wednesday.
Prior to the covid virus I had been using Zoom to attend online workshops. When the stuff hit the fan, and folks began working from home, I recall thinking that an online tool for meetings would be valuable. I then checked the price of Zoom and saw…
Not sure but think the OP meant 1 fund but hope they won’t mind 2.
One fund = VWIAX*
Two funds = 40% VIG / 60% VTIP
*Didn’t know of a conservative allocation fund that invested in both dividend appreciation stocks and short-term TIPS. So yes, the…
“ The best investors generate long-term returns by making rational, unemotional decisions, Ritholtz points out. Also, they do their homework, spend time and effort learning the basics as they are unemotional, intelligent and patient.”
Don’t know if…
@BaluBalu - while COTZX is but 10% equity, I like the idea of thinking of it as an enhanced bond fund for now, even though as @lynnbolin2021 and M* point out, it is a tactical fund. This is about as *exotic* (LOL) I get in my investing.
Hi @MikeM - thanks for your message. What I meant to say, and did so incompletely was that COTZX has these S&P *trigger* points where they will then buy or sell based on how the market shows up. I have my own *trigger* points to buy (from bond…
Hello CecilJK - thanks for responding. I realize my bias is showing. Your answer reminds me that given a large portfolio, a less than 5% allocation would be significant.
Hello CecilJK - I recall briefly discussing this fund with you some time back. Again, I like the idea behind it’s strategy and why I have a very modest exploratory investment with it.
You, as well as another poster/author I highly regard (Charles…
As a disclaimer, I currently have a very moderate position in COTZX and appreciate the clear mechanics of adjusting to market conditions based on S&P levels. Still, I am challenged to add to it for the following reasons and considering selling i…
Just moved a hefty chunk of VTSAX and VDADX to VUSFX to take some gains off the table for 2022. I continue to work with a 33-36% stock allocation range, but am considering a reduction to 30-33%.
To move funds from a NY State Deferred Compensation 457 account to an IRA at Vanguard, I had to have the 457 account mail me a check first. Then to expedite the process, I scanned the check and submitted it online to Vanguard. It was then entered …
I am also in the midst of a transfer-rollover to consolidate funds. Unfortunately, the current account doesn’t do e-transfers. They also need to confirm that I’m no longer at my previous employer.
Our portfolio is now in RMD land. Between those distributions, soc sec and a small annuity to cover supplemental health insurance (not LTC) our expenses are covered.
The decision of what and when to withdraw the rmd funds is the tricky part. We…
My wife and I just had our 2nd Moderna dose. For 12-24 hrs afterwards we both experienced chills, dizzyness, body ache/joint pain, and headaches. Uncomfortable, but tolerable - considering that by the 2nd day we were symptom-free. So for us, the sid…
@wxman123 - thanks for your thoughts. I’ve been invested in PIMIX for the past 3-years during it’s asset bloated period and investment faux pas (see Argentina). Analysis and opinions from online folks has challenged me to reconsider this position o…
Ended my 18-month PCI experiment with a break-even result. Having been newly retired, I was wowed by the large monthly distribution and exotic feel of CEFs. They still *call* to me but they require more work than I’m willing to do. Hey, I’m retire…
