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.
My confidence in our government remains unshaken. If the president's emergency response team, headed expertly and appropriately by Mr. Pence, determines that traveling through Italy or other known major contagion areas doesn't need to be checked I'm…
What’s strange is the GOP’s wholesale embrace of election tampering by a hostile foreign power. What happened to patriotism and loyalty? The Nixon era GOP would have recognized this and put country first.
And the dems wholesale embracing of domestic…
Seriously, democratize the market? A lot of TDS going on in this thread. I for one would prefer that the government stay out of personal investing. There was another thread lamenting that equities are owned by too few. Which way does it need to be? …
Reading online what I can about IOFIX, the word is that the majority of default legacy loans are gone. Only good ones are left. Makes the portfolio more solid. Who knows.
FWIW
I'm thinking, for me, the "Big Question" is? Was dtconroe writing the subject thread for their own benfit or for the benefit of their readers and perhaps even for the benefit of the board itself? With this, in mind, I'm not looking for their…
Howdy folks,
You can quibble about the precise figures but the nut is that the distribution of wealth is the worst it's ever been in this country and getting worse. The middle class has been largely exterminated and the two historical pathways to …
“I can make 20-30+%“
Funny thing about quoting percentages is that seem higher than they appear to be.
Say if a bond fund returns 3%, a 30% increase amounts to less than 1% increase in return.
Is the effort worth it for a tiny 1% increase in ret…
Ignore gold shills.
Rebalancing is not too hard. Don't be afraid of capital gains taxes, they are at historic lows if you have little or no earned income.
I am wary of bond funds. As I shave off my stock index fund gains little by little, I've ac…
........Also, to this point; is there are comments in a thread that are written as a general statement/comment, but seem to be directed towards another's comment, but is not fully clear. In these cases, I wish that the writer had directly identified…
Hi Guys,
While all of the listed measures are useful to some extent, they all fail to provide the most meaningful measure of any portfolios real risk; it’s survival probability. Survival says it all.
Monte Carlo analyses yields that measure. Ple…
With everything at or near highs, the market needs to either correct or dance around before advancing. Every day can't be a new high. I do wish it could.
Rebalancing is a pretty easy task for me. Since I am not using distributions yet for expenses, I generally will put them where I want to build a position. Right now all goes into my favorite bond OEF.
Why accept 6% TR on a managed fund at a high ER when twice that TR is available for .05% or less using index funds? I do pay 1.3% for superior managed performance for part of my portfolio.
“The average 401(k) balance rose 17% last year to $112,300 from the end of 2018, according to a review of 17.3 million accounts by Fidelity Investments. The average individual retirement account, or IRA, balance rose the same percentage to $115,400…
DHEAX has been discussed well back into 2019 at M*. Not sure if you are referring to MFO only.
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Well, that's the thing about the internet...
According to this M* search, the first post about DHEAX was on 10/30/2019…
stillers: And I never understood your "All bonds all the time/bond OEF momentum" investment strategy when markets have gone up FOR 10 YEARS.
It should be noted that you posted on M* that you sold all of your stocks near/at EOY 2019, you have not re…
Correction (as long as the above analysis is correct) : DHEAX WAS the better fund.
The daily obsession with some posters (especially one) looking back at prior performance and deeming a given fund as the better/best is mind-numbing.
Had a poster,…
@Gary1952, I believe Diamond Hill funds have a transfer fee at Schwab. One reason I don't consider them.
DHEAX is NTF $2500 min, with short term redemption fee and it appears that DHEIX is not sold by SCHWAB. But I would guess it would have the $49…
How funny this type of article quotes % but not dollars. Currently about $1.2m net in wealth is top 10%. If one starts saving at first real job then it should be attainable with some discipline. Yep, choices.
SDMZX appears somewhat unique. It is named a multi-purpose fund with low duration. I would say DBLSX and SDMZX are not directly comparable. DBLSX focus is on low duration.
I am at Schwab and all too often fail to research there. Thanks for the update. I will look into those funds. DBLSX is my oldest bond OEF holding. recently I have been thinking about selling some. But with 50% equities now I like the relative safety…
When I was in my 20s I took an investing class. I will always remember the teacher had a statistic that said only 25% of retirees can maintain their lifestyle. Nothing has changed.
Should there be a requirement that all citizens own securities?
Alan Greenspan seems to think so:
“We need to change the structure of all the various social programs that have a trust fund to them and go to a defined contribution rather than defi…
I thought I would mention one other fund that was barely above my risk criteria--SNTIX. This fund had a standard deviation of 2.07, credit quality of BBB, duration of 5.10, and at total return of 1yr/3yr of 8.17/5.53. It is another investment grad…
One more reason a person should learn and take care of their own retirement. Listening to BS from an advisor will tell them what they want them to hear.
