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.
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.
I opted for NVHAX over BTMIX when I bought on 1-2-2020. The allocation to NVHAX was in my taxable account with money for future (most likely 2 years down the road) monthly expenses. I like the stronger performance over BTMIX. The short duration down…
Some people only view things monetarily and some only politically.
And based on your posts on the "Off Topic" forum on the legacy Morningstar, your political views are vastly different from the majority on MFO.
And the problem is? Intolerance? Ho…
I do not or never have owned a "core" bond fund. I am not really sure what the benefits are. When comparing them to some non-traditional funds they are much more volatile. I will assume the higher credit rating in these funds are the attraction. It …
Ascension, a Catholic chain with 150 hospitals across 20 states and the District of Columbia, is testing whether Google’s technology can accurately search and retrieve all information for a single patient—a widely known challenge that frustrates doc…
Why would I buy SHV when MM pays the same?
Because the Fed is expanding its balance sheet stocks and bonds are doing great..
In the last 3 months (link) SHV made 0.4% but PIMIX made 2.7% and NHMAX(HY Muni) made 3% and SPY made over 10%
My thought to…
Very interesting article. I am not sure how many times that has happened. Being aware of that now we should be on the lookout for a higher 30 year. There was most likely a very nice CG along the way too. I am not sure how there was any inflation pro…
With respect to our community's various posting efforts, I'm getting sick of these "Best ETF/Funds"-types of articles. What works for one person or one type of market situationmay not work well for others, but finpr0n articles like this don't make …
Tax rates are not the only reason to buy or not buy muni funds. I own one in my taxable account so that I can do Roth conversions. Any extra taxable income reduces the amount I can convert. Also I am using the muni I have for future income. Not exac…
The issue I see with this forecast is that something would have to trigger consumers from paying their debt, such as losing a job, which would be because of a downturn in a company's performance. Which comes first, the chicken or egg?
The only difference this time is the pendulum could swing hard from pro to anti-business. But I generally agree to stay the course. Something will trigger a market downturn at some point in time.