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I don't think they do it that way all the time anymore. :-DCan SEQUX be far behind? It's up to 215~
Sequoia a whole 'nuther beast. While all OEFs can redeem in kind, Sequoia actually does this. As they wrote to the WSJ in 2016:https://www.wsj.com/articles/sequoias-redemption-with-securities-is-tax-efficient-1460583731For many years Sequoia Fund has clearly disclosed that we can and do pay large redemptions with securities rather than cash ...
We redeem with shares to benefit our continuing shareholders, who might otherwise pay capital-gains taxes on the sale of appreciated stock that might be required for redemptions. By redeeming in kind, our 20,000 continuing Sequoia shareholders will pay lower capital-gains taxes in the future. Our goal is always to be tax-efficient and to do what is right for continuing shareholders. For a departing shareholder, there is no tax or other consequence to receiving stock instead of cash, aside from the minor inconvenience of having to sell a security upon receipt. We take care to always deliver stocks that trade in sufficient volume so that the exiting shareholder can sell them immediately without depressing the market for a particular security.
https://www.wsj.com/articles/sequoias-redemption-with-securities-is-tax-efficient-1460583731For many years Sequoia Fund has clearly disclosed that we can and do pay large redemptions with securities rather than cash ...
We redeem with shares to benefit our continuing shareholders, who might otherwise pay capital-gains taxes on the sale of appreciated stock that might be required for redemptions. By redeeming in kind, our 20,000 continuing Sequoia shareholders will pay lower capital-gains taxes in the future. Our goal is always to be tax-efficient and to do what is right for continuing shareholders. For a departing shareholder, there is no tax or other consequence to receiving stock instead of cash, aside from the minor inconvenience of having to sell a security upon receipt. We take care to always deliver stocks that trade in sufficient volume so that the exiting shareholder can sell them immediately without depressing the market for a particular security.
https://www.kitces.com/blog/discount-rate-delaying-social-security-benefits-retirement-planning/#regret-riskThe possibility that policymakers could reduce benefits after someone has already forgone years of payments to maximize their age-70 benefit triggers what Sandman might call extreme outrage: the outcome is controlled by others (politicians), morally relevant (breaking societal promises), and unfair (changing rules mid-game).
delaying-social-security-benefits-retirement-planning/?A Siting from a 2024 Journal of Financial Planning article, Smith and Smith conclude: Our calculations do not support the presumption that the vast majority of people who choose to start their Social Security retirement benefits before age 70 are making a mistake. For example, … with a 4 percent real return, a person has to live to 89 for it to be beneficial to delay the start of benefits from age 67 to 70. However, 77 percent of 67-year-old males die before 89 as do 65 percent of 67-year-old females. Age 70 is not the most financially rewarding age to initiate benefits unless an individual has a low discount rate and/or is confident they will live several years past their life expectancy.
From the Author of the linked article at Kitces' website: Ultimately, the key point is that we need to move beyond simply thinking in terms of portfolio risk when assessing Social Security claiming analysis discount rates. Ideally, we should be thinking more in terms of utility and factoring in all risks, which changes the calculus significantly.
SSDs can fail over time after numerous read/write operations.I always used HDD.
Several years ago I changed everything to SSD other than my 1TB HDD for backups.
My laptop recently started spewing SSD messages that it may be failing.
I never knew SSD has limited use, apparently there are only so many read/write operations
SSD can do before wearing out.
I know HDD can fail but I've never had one fail in 30+ years.
SSD's don't last forever , who knew!
Yeah. For routine/casual use, SSDs are great ... but if you really pound them they will fail quicker simply by nature of the electronic way they read/write/store things. So for long term storage, backups, or archives, HDDs ('spinners') are best. Sure, they can fail too, but at least you stand a better chance of recovering data from a classic drive than a SSD.I always used HDD. Several years ago I changed everything to SSD other than my 1TB HDD for backups. My laptop recently started spewing SSD messages that it may be failing. I never knew SSD has limited use, apparently there are only so many read/write operations SSD can do before wearing out. I know HDD can fail but I've never had one fail in 30+ years. SSD's don't last forever , who knew!
Overseas markets and stocks are staging a comeback after nearly 20 years of trailing their U.S. counterparts. Artisan International Fund’s award-winning Mark Yockey is finding undervalued growth stocks with plenty of room to run.
Do you have to pay? no.Of course, HOSIX will not repeat last year performance.
I traded APDPX less than 90 days and didn't pay the 2% fee at Schwab.
Most of these funds have $49.95 TF.Do you have to pay or do you have special tier account?
You are absolutely correct. Thank you, Mark. My total return on my portfolio in both 2023 & 2024 was +25% each year, on an 80/20 portfolio mix. Not feeling like I missed out on anything. Not then, not now. I take risk, when I feel that risk is appropriate. And less risk, when I feel that less risk is appropriate. As I stated, I am now at 58% equities. I may go lower.I guess someone needs to get their eyeglass prescription checked. I don't see anywhere in DrVenture's post where it talks about owning PDI from 2023 to whatever. Also preparing for rate cuts does not equate to owning the fund either.
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