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Reply to @BobC: I have been thinking of moving my TGEIX and FNMIX EM to TGBAX. Why continue to hold EM funds until they turn around when I think TGBAX is manageing it better?
I like OSTIX, a great record, but its strategy in mostly corporates, some convertibles and cash.
Can that continue to hold up since this is best fund I could find in multisector category. We mostly own PIMIX, ok now but a great record and manager My…
I've avoided these ideas since they don't fit into a retired 79 year olds portfolio. Anything that sounds too different is often a waste except for the sponsor.
Reply to @David_Snowball: So why do anything, except maybe, dump bonds and wait for a better bond market? It seems counter productive to loose while staying in a screwed up bond market, at least dump EM and Global. At least cash doesn't go down.
I just did a search and found these. any thoughts how it might be?
Corporate Bonds
•Guggenheim BulletShares 2013 Corporate Bond ETF (BSCD)
•Guggenheim BulletShares 2014 Corporate Bond ETF (BSCE)
•Guggenheim BulletShares 2015 Corporate Bond ETF (BS…
I guess I hope that by selecting total return managed bond funds with proven management, that can adjust the duration to some degree, it will be better to buy and hold many of these funds.
I do not know if that is also likely with global/emerging ma…
I'm just another old guy with some concerns on handling the current and future cash flow needs with the unknown future on the fixed income side. Been doing exceptionally well but the text book on asset allocation is muddy. I've tried to use about a…
If you have an account at Schwab, they have excellent ETF's that are no cost to buy or sell. We personally own SCHA,SCHB,SCHV,SCHX, SCHD. These I listed cover the broad market, small cap and both large value and large core and dividend stocks. We al…
Reply to @scott: Good comments. Any idea how he can manage other funds that must be sold and bought without screwing up the management of those funds? Isn't that a constraining issue to say the least?
I'm all for fewer funds and lower cost. an account at Schwab and Vanguard.
Hold at Schwab- SCHA (SC) SCHB (BM) SCHD(LB) PRBLX (LB) (no fee on schwab etf and lowest ER.
Hold at Vanguard- VWELX, VXF
Suggest an asset allocation - 70% stock, 30% Bond
I have tried to keep my foreign holdings to less than 20%. Since we are retired at age 79-77, I still think a 60-40 stocks/bonds to 50-50 is appropriate. This has changed from my previous target of 30% stocks 70% bonds, when I accepted the fact th…
I think the decision whether to own an open or closed end fund. at least to me, is whether I am comfortable with leverage and volatility of CE funds that also often traded frequently by short term traders, which is why I tend to select the OE fund. …
Reply to @scott:
"I don't own the fund, but I have in the past and would consider it both if a space opened up and I had an interest in adding some fixed income exposure."
Your comment might lead one to believe that fixed income is an objective b…
About 10 years ago I played with a lot of calculators and settled with one and never looked back. I think it started me in the right direction and with a few discussions with the originator, Mr. Welch, I think it worked well for me. I did open smal…
I own TIBIX and have been looking for a replacement. Read an article in financial advisor mag. Its not always what Morningstar says or what category its called but I like to hear what money managers like or what they buy. So here are a few others. L…
Available no load at Schwab. I do have SCHD ( since oct 2011) that cannot be easily compared but from holdings I would expect less volatility with 100 holdings vs 30 for FDSAX and better downside protection from Schwab. FDSAX had a tough 2008-2009…
Reply to @Charles: Don't know if you are retired but a different story when you are in retirement and fixed income might be at least your age, which means I should have about 80% but no where near that. Better it should be what the first post shows,…
Reply to @MaxBialystock: this is a suggested AA that a money manager showed in a newsletter last August.
Age
Near Cash
Fixed Income
Risk Assets
20-45
1%
0%
99%
45-55
1%
9%
90%
55-Retired
5%
15%
80%
Retired
5%
20-30%
75-65%
