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.
Hello Carefree. My opinion is "why have a bond fund when you are 55 years old", unless you are planning to retire in a couple of years. I was 100% equity until 2 years before retiring at 67. Having said that my 401k had PIMIX ("I" shares), which I u…
@csinvesting
Just log in to M* at the library is all you need to do to tap into the Premium Product. Libraries typically have premium products most of us don't get unless we pay for them, such as Ancestry.com etc. You need to have a library card.
What is too conservative? I have a basic AA of 50/50. But the 50% bond OEFs have 50% (25% overall) in low duration/lower yielding "safer" type funds. The other 50% (25% overall) is in higher yielding multi/non-traditional funds. I own no "ballast" f…
dtconroe, I did purchase NVHAX with proceeds from an equity fund that had doubled. This is in my taxable account so I wanted to get some muni exposure and protect my profit. I was considering BTMIX but decided to go a little more aggressive. I read…
There has been a range to around 15%. I’m too lazy and I only allocate 7-8% of my AA. This info is from M* and they are notorious for bad info. I am not so worried about the ER as long as the fund performs. 35% this year.
Starting with $6000 and adding $500/month at 5% annual compounding a person could end up with $1,012,000 after 45 years. At 6% it would be $1,359,000. These amounts do not account for adding the $1000 catch-up. I believe it could be done but a taxab…
IOFAX high total return is due to the rising NAV of the fund. The fund managers set the NAV each closing according to “best practices”, not as an equity fund does according to the closing prices of assets held. I have never been clear on what the b…
Hello Old Skeet. I am logged in and cannot use the tickers as a link. I am familiar with PONAX/PIMIX but I wanted to research the others. How long have you held them? FLAAX looks like a decent long term performer and not extremely volatile as one mi…
Thanks for the input john. The new muni fund would be a small part of my portfolio. I have a large CG from AKREX in my taxable account that I plan to capture next year and buy the muni fund with that CG. I have set up my retirement to use saved cas…
As a new retiree I sure wish I had more in my Roth. The last 2 years of work I had a Roth option in the 401k and put as much as possible. Having said that I would try to get the Roth funded. I believe you will have to roll it into the equivalent IRA…
Carew388: “ On a far more serious note, I kindly suggest the moderator here gets this poster under control immediately lest MFO suffer the same fate as other boards.”
Thank you for the observation and suggestion. There is no reason for the behavior…
I am a few years out but now I am a “young” retiree so I will now have 5 years before my first RMD. Plus the chart gets reset so those taking RMDs already will reset lower next year.
Hello All. If your goal is to "beat the market" then you will have to do as he says. But there is more to investing than beating the market. Such as investing for income. Personally I have a combo approach in the equity arena. Mostly index ETFs and …
Hello dtconroe. I have similar thoughts to your investing style. But I have a 50% allocation to equities so my bond OEF allocation may be a little more "conservative". 50% of my bonds are in DBLSX and MWCIX and 50% is in what I call "higher yield". …