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.
I checked it years ago and I could not prove it helped me and why I stopped following it, my link includes what have worked for me very well...but...I looked again and now I see that MOVE > 110 has a nice correlation to high volatility in bonds a…
Why did it take so long?
I worked in corporate America for decades.
My observation was that any employee up to middle management who did something wrong would be fired within days but higher management and especially the CEO would let go after month…
I entered the trade at Schwab and get "We cannot process your order for this fund. Please contact a Schwab representative for assistance."
The above = not available.
According to M* QDSNX has 6 funds + cash. The idea of this fund is that the managers may change the number of the funds and definitely the % invested in each. I wouldn't invest in 3 or 6 funds instead of QDSNX.
Mike, you are correct, we don't need ALT funds. Why not go even further, Buffett has been telling us that all you need is the SP500.
The idea is to discuss all kinds of subjects and let investors decide what to do.
If I'm not mistaken, Fred is look…
We have been discussing alternative (several categories here) funds for over 10 years. They look great SOMETIMES when markets go down but then don't keep up with the market. I have looked at AQR years back too. Many of their funds are a black box, …
@FD1000
Hand-holding, I don't need much. What has gone missing is RELIABILITY, CONSCIENTIOUSNESS, ACCURACY, DEPENDABILITY, and Customer Rage And Aggravation agents who can THINK. I also think it's disgraceful that employers won't ALLOW employees to …
@Crash, you can fight and complain about the tech revolution that started decades ago...or, join it. It's a choice. I know people in their 50s who refuse to join, but I also know people in their 80s who joined it.
Example: I'm in several groups wh…
@Crash, I'm sorry for your difficulties, but I have to say that you seem to be the unluckiest person alive with all the difficulties you've had. I originally was with Thinkorswim; then to TDA; finally on to Schwab. All the transitions were smooth …
I don't find FPACX compelling. The only thing that interests me is risk-adjusted performance. I owned mostly 2 allocation funds. OAKBX in 2000-2010 and PRWCX in 2010+. I don't believe in diversification.
The main problem with I've not been a fan since losing money investing in ARIVX (I think that was Cinnamond's first solo adventure with his "disciplined" style).
I won't try to defend Mr. Cinnamond's record or explain why I find his approach compe…
"I won't hold my breath"
I don't know why are you so skeptical?
Schwab gave me credit dozens and dozens times for several reasons...and I always called, I feel that speaking with someone is more personal.
In the last 15 years now, US LC are dominant, why investors MUST diversify more and/or invest in lagging categories and keep missing performance and in many cases have higher risk/volatility?
US LC is the easiest, most common investment category, …
Hi yugo,
I invest where markets tell me.
1995-2000 US LC 100% indexes
2000-2010 Value, SC, international mainly in 3 funds FAIRX,OAKBX, SGIIX
Since 2010 mainly US LC+ PIMIX until 2018. Then mainly bond funds.
In 2009 PAUIX(Arnott) + Cinsmond loo…
Different is great when your fund have better performance or at least better risk-adjusted performance, the rest are just excuses, such as diversification, SC, EM, Value looks great based on indicators that have been inaccurate for years, you can't…
I don't think that Eric Cinnamond is great, far from it. He looks good when markets collapsed and then he missed a lot of the upside. M* says that for one year PVCMX made under 8% while SPY made over 33% = 4 times more.
Please don't come back with.…
The biggest "mistake" that many do is looking at duration which have the highest correlation to treasuries.
Did duration predict PIMIX performance during 2010-18...or...RSIIX in the last several months?
I already pointed out that my 3 funds have a …
FCNVX is my only bond fund that hasn’t disappointed me over the past year. At some point, I’ll start adding to my intermediate bond funds but they continue t lose value.
Everything is relative. If you read my post above, RPHIX is my favorite as "sub…
I posted months ago since 2023 and in the beginning of the 2024 about 3 bond funds that should have a good risk-adjusted performance for 2024.
RPHIX for "sub" MM and a possible 5-6% in 2024
CBLDX with higher volatility, but still low and higher p…
CDs?
Sure for many, never for me because a good trader can do more.
For months now I posted about the following 3 funds from less risky/volatile to more RPHIX,CBLDX,RSIIX/RSIVX.
One year chart shows the results.
https://schrts.co/REtABeZs.
And 202…
Sure, anything can happen but I have been reading that this time, really, is the right time..for years already.
I also read in 2008, 2020, 2022, that the Fed hands are tight and...here we are.
I always believed in investing in the market you have, …
I have heard why not EM....this time for about 15 years, and usually diversification is mentioned too .
In the last 15 years, it has been one of the easiest time to make money since the easiest most common category, US LC, has been at the top, but …
Many "experts" who come on TV and predict a meltdown are wrong.
A meltdown usually occurs with uncertainty or really bad news for markets.
* 2008-9 = MBS fiasco
* The Fed raised rates several times in 2018
* 02/2020 Covid was raging globally
* Early…
The easiest way of all is log in to Schwab, at the top search for a specific fund, if you get a link below it means it's available, it should work at a high %.
Looks pretty easy to me.
But, the ultimate way is actually to enter a trade and see if it…
All I see is a beautiful uptrend SP500 in the last 4 months + performance of 20+% + low volatility where the index didn't lose more than 2.5% from any last top = excellent risk/reward.
See the chart https://schrts.co/hTeZtxIG
On Nov 1st I posted..…
@msf, series 6,7 or 112 doesn't matter that much. The facts at least for me over the years is that all the Fidelity reps who contacted me tried cookie-cutter ideas and pushed their agenda which would cost me money. Schwab never did, and my rep is wi…
Once upon a time, Wellstarde had access to many I share funds that were not available at Fidelity and Schwab + zero fees, but it wasn't a guarantee to be executed.
It was fun for a while for several of us until most/all left their terrible customer …
I was assigned a Schwab rep. The guy is a pro with vast knowledge, has Series 7, 63, 66 Securities Licenses, fiduciary (another BS term). I can ask and consult with him about everything, even CEFs which I don't use but we talked about....all for FRE…
msf "It's just economics. Some places do better than others (e.g. economies of scale, better training methods, more productive technology, etc.), but they are all subject to the same tradeoffs."
True for some but not all. I found over the years gre…
For me, there is nothing more irritating than calling Fidelity reps after I sell in an IRA, and half of them claim you can't do it, and then I insist on talking with a supervisor.
I must be missing something here. What do you mean you can't sell …
@sma
I have not had the "sell one fund buy another" issue at Fido but usually dont do that. I find Schwab's attitude about Sweep accounts very irritating and is clearly designed to make money off of John Q Public. It seems nasty, especially coupled …
If you get over the idea of core MM, Schwab is a better choice, at least for me.
Any time I sell a fund, I enter to buy a MM fund and they pay better than Fidelity. It's really that simple.
I stated here several annoying stuff that Fidelity does.
1)…
Understand now?
MMM..maybe, congrats it's working for you, the more you or anyone else make the better.
On the other hand, many of us have different styles, risk tolerance and goals.
My main objectives were always to have an excellent risk/reward po…
