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.
Every time someone posts about price increases, it doesn’t tell the whole story because:
You also have to mention when prices stay the same or even drop — like oil. Remember when eggs dropped nearly 50% after months of political debate?
What reall…
DD is per month, not daily, and why it's not accurate.
QDSIX is far from the bond category. It lost about 7-8% this year from peak to trough and in 2024.
I would rather invest in QLEIX, it lost about the same in 2025, and 2024.
In the last 3 years Q…
I don't need to run. I know when to sell.
Since 2018, my portfolio never lost more than 1% from any last top of my portfolio.
I don't care what stocks do. I just need bond funds.
Wait, inflation will demolish everything.
One day stocks will down.…
Dems is the DDD party. Deny, dismiss, and downplay everything.
Dems cry, the stock market flies.
Trump signed with Pfizer. It's only for Medicaid. I wish it was for Medicare.(https://www.cnbc.com/2025/10/01/trump-pharmaceutical-tariffs-pfizer-deal.h…
Because the bond market is so fragmented, active bond ETFs have been around for years, while active equity ETFs is a relatively new development.
The real reason is simple: the S&P 500 is a powerful momentum-driven index, and U.S. markets have be…
Thought it was time for an update on tariff price impacts. In March 2025, I updated all our kitchen appliances from a local big box appliance store.
Refrigerator cost $2200. Now 6 months later $2900, same model $700 more.
Stove cost $1000. Now 6 m…
I know why I don't' spend it down. I live comfortably and do mostly what I want but LTC for 2 people can go through a sizable nest egg pretty damn fast. Two in LTC could be $200k+/year!!
Long-term care is extremely costly to pay for over the years,…
There are so many media outlets, some posing as expert voices, that paint everything in the US as if it’s going down the drain. In my opinion, some people make investment decisions based on politics and the grim stories the media feeds them.
Just t…
Q2 GDP Growth Revised Up To 3.8%.
Comey has been indicted. We need to hold the Russia-collusion instigators and phony investigators accountable. This marks the beginning of restoring democracy: do unto others as they have done to you FIRST.
I've taken a careful look at CBLDX but like Observant1 don't feel it is good in a core position. Rather, I could use it to stretch risk in my near-cash (0-5 year) sleeve. For that satellite role I find it a close call.
Core has different meanings to…
If you are comfortable with the risk, then ICMUX looks better than CBLDX and RCTIX.
CBLDX=I don't pay too much attention to ratings and a lot more to actual performance,risk,SD. Sherman proved it already.
TSIIX lags CBLDX for 1-3 years. No go.
WCP…
My question starts with why do you need a core bond fund?
I looked at CBLDX and IMO, it's better than all the funds above.
I checked from 1-1-2020 and it's number one.
For one year it's not number 1, but it's still among the top.
And it's the best r…
My first investment book was Andrew Tobias’ The Only Investment GuideYou’ll Ever Need. Most memorable point was that if the stock market ever enters bubble territory you should sell everything and move to cash. I may now be in flagrant violation of…
In terms of "another good week" - this is one. Trump absolutely failed to achieve his objective with Jimmy Kimmel. Jimmy is still employed/paid and on the air. 23 years and still going strong.
The usual lie from the crazy libs.
Trump and the FCC did…
What made HOSIX great to this point is its SD. In terms of returns, HOSIX performed in line with HY bonds, hence my reference to BGHIX. What is unknown is how HOSIX will do when the space gets hit, and it inevitably will. What concerns me most is…
What made HOSIX great to this point is its SD. In terms of returns, HOSIX performed in line with HY bonds, hence my reference to BGHIX. What is unknown is how HOSIX will do when the space gets hit, and it inevitably will. What concerns me most is…
Nothing much changed for the average Joe investor.
The classic investment guide A Random Walk Down Wall Street was first published in 1973. It was written by Princeton University economist Burton Malkiel.
Burton Malkiel served on the Board of Direc…
Past performance is not indicative of future results.
Sharpe/Sortino ratios and standard deviation are snapshots in time and can vary in the future.
Caution should be used when evaluating some specialized (non-vanilla) bond funds.
These bond funds m…
While I enjoy Clements’s articles and perspectives, they often feel repetitive. His main message boils down to: invest in index funds, save consistently, start early to benefit from compounding, live frugally, and remember that money alone doesn’t b…
I wouldn't laugh. HOSIX earned basically it's coupon return plus a bit of capital appreciation since inception. Just a bit better total return compared to BGHIX since inception. What gives HOSIX it's high Sharpe is the low SD...but in comparing H…
The biggest problem with funds that held well years ago.
* Market conditions in the future can be different. 2020 was different than 2022.
* Funds that were great in meltdown, can have bad performance after that. That's a mistake that many investors…
The SP500 finished at an all-time high.
My 2 bond OEFs portfolio is at an all-time high too. I made only 0.365% in the past week.
House approves Charlie Kirk resolution on bipartisan vote. Of course, AOC, one of the Dem leaders, voted against.
Kimm…
Kimmel is gone, yay.
https://apnews.com/article/jimmy-kimmel-show-suspended-charlie-kirk-2c79d56fa53779014f2bb2ed9e47da1f
No, democracy and the First Amendment aren't in jeopardy.
Lib hypocrisy has been on display in the last several days.
https:/…
Of course, HOSIX will not repeat last year performance.
I traded APDPX less than 90 days and didn't pay the 2% fee at Schwab.
Most of these funds have $49.95 TF. Do you have to pay or do you have special tier account?
Do you have to pay? no.
Do …
Dr venture:
I started preparing for rate cuts in 2023
FD: looks to me, you missed performance. SPY, the easiest most common index, aka, the market, made over 77% during 2003-5.
https://schrts.co/wUfkzfTU
Is he dead yet?
TDS? Totally degrading shit. That's what Orange One has made of this country. As I've noted before, Dems and Reps always have had differences. Trump is a different sort of beast entirely. Unhinged, amoral, un-human. He brings slime …
All I know is that I’ve read several posters on this site openly calling for Trump’s death. I’ve said multiple times that it’s unacceptable—yet no one here has acknowledged it. Just because some people act like extremists doesn’t give YOU the right …
APDPX has been on my best list of funds for months, but not for DT.
In April it was down 1.8%. In 2024 HOSIX goes up extremely nicely from left to right, while APDPX goes down
Since 01/2022: HOSIX made 32+% APDPX 35+%
But HOSIX SD is at 1.3% vs 2.6%…
@WABAC
I never know what will work, and why I only own funds that are doing well currently.
Never in my life have I owned CLO, but I held this category for about 20 months.
In 2025 it was the first time that I held a big % in international bonds; no…
Why not LCTRX? because HOSIX is better within the CLO space. HOSIX got the highest Sharpe > 3 for all funds at Fidelity.
Why didn't I recommend NRDCX while I like it? Because DT is looking for funds with more history, and it fell 1.6% this year d…
Fidelity has a free fund screener.
I looked for all bond fund (risk tab) + sorted by Sharpe ratio(risk/reward) + SDlink)
Then I switch to the overview tab, see (link).
To see 1,3,5 year performance.
The best funds for 3 years are
HOSIX leads the pa…
@FD1000
4) Epstein is just another distraction Democrats are hanging their hopes on. Who cares?
A Washington Post poll conducted in late July found that 86% of Americans supported releasing all files from the Epstein case. The poll showed high le…
