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.
@Crash. Are you second guessing your active fund manager for not being an index hugger? I read on this very board that guy is the GOAT. Perhaps you think differently.
“The Select List is built by identifying the best combination of factors such as performance,risk,and expense.” Sorry I am an old guy and don’t know how to cut and paste. But if you follow a link the word “eligibility “ is another criteria. Think a…
Crash. Are you just messing with us when you ask obvious questions? If you found the Select List it defines itself and explains how funds make the list. “Oh Goodie!”
The zip code has labor cost built into the rates. Here in Sacramento there are many zip codes that have very mixed demographics. So it’s not necessarily rich vs poor. My own zip code has some very exclusive areas and pretty crummy and rougher neig…
@ MikeM. Material might be similar cost in different regions but labor surely is higher here. So the cost of rebuilding a 2,000 square foot home will cost more in a high labor state.
What is work from home “subsidizing”? Both my daughter and son in law work from home. They use less gas, drive less miles, don’t use dry cleaners, don’t eat lunch out, buy less clothes,,,, not inflationary at all.
@BaluBalu. My experience was that rates were filed with the state and agents used the same carrier supplied software to provide a quote. The only way my quote would be different than another agent quoting the same carrier would be either failure …
Many many years ago I was a property and casualty insurance agent. In California we were required to notify the carrier of any accident the insured mentioned to us,,, even if their intention not to file a claim. When writing new business we were re…
Not a speculator in the EFF but curious. How rare is it that an ETF has such a life span and what does that say about the people behind it. Or: it had a shorter life than DJT.
Hank. It was a really happy day . It was a really sad day. I am an old guy and we owned that boat for a third of my life. The slip on San Francisco Bay was more than my first mortgage. And insurance operating on the Pacific is costly. . It was t…
@gman57. Sold our boat this month and our umbrella went down by fifty bucks. Selling our much loved sailboat was very bittersweet. Happiest and saddest day all at once.
@Old_Joe. Sage advice. Also select on line saving accounts could be added to that list. For the risk adverse filling up the 70% of a 30/70 portfolio takes some effort.
@dt. You raise an interesting question about the safety of a “”prime money market. “. I admit to becoming complacent about it. I am overweight FDIC insured CD’ s and have avoid maturities less than a year because of liquidity and administrative con…
Additionally Mr crash you can sometime pick how often interest is distributed. Monthly, semi annual or at maturity if that is important to you. The golden age of risk free income isn’t over yet but it’s coming. Check it out today. Nothing scary.
Crash. At Schwab as of 30 seconds ago they have one year call protected, FDIC insured CD’s from 8 different banks paying 5%. And when the interest is paid the share price doesn’t go down. For part of your portfolio it’s a no brainer. But as others…
Yeah. If the fair market value of the stock is really 94.96 wouldn’t many value fund managers be lining up to buy shares at today’s price? OR. HAS MORNINGSTAR GONE MAGASTAR?
@yugo. “ to each his own, it’s all unknown.” Bob Dylan. While the future in unknown I am thinking that MM and HYS rates will decline over the next twelve months. I am overweight in both. Lots of space to fill in the non equity side of our p…
Using portfoliovisualizer again you can compare 3 different 50/50 portfolios starting June 2018. An example of DODIX and SCHD had a CAGR of 7.65 % with a worst year of -7.04%.
@realityspeaks. If you are familiar with portfoliovisualizer.com (it’s great) input VWINX 50% and VWELX 50% and set the appropriate dates and your dividend reinvestment plan. Then compare to your collection. Just because something is a great owl…