I've had an Ally Online Savings Account since late 2013.
This account currently offers an APR of 0.50%.
There are no monthly maintenance fees or minimum balance requirements.
Since opening the Ally account, I've opened several savings/checking accounts at other financial institutions to take advantage of appealing rates. These accounts were subsequently closed after prevailing rates became uncompetitive. Rate comparison shopping coupled with opening/closing accounts became tiresome so I haven't pursued this in several years. The Ally Online Savings Account is primarily used for savings and as a "hub" for electronic fund transfers to/from my other financial institutions. I'm a satisfied Ally customer since they have a good website, offer a reasonable APR (for current conditions), and I haven't encountered any EFT issues.

All Parnassus funds are ESG, and all are fossil-fuel free.
That's one difference between the PRBLX of old and the PRBLX of today. The old version barbelled tech and industrials against staples and utilities much of the time, but the new version hasn't owned mainstream utes in a while. They had owned MDU and NWE for some years, but they don't own them anymore, apparently at least partly for fossil fuel reasons, as both are heavy into coal generation.
It's been a small-ish change, but it could conceivably push PRBLX into slightly growthier territory than it inhabited in the past.

I'll mention again T-Mobile money, full 1% paid on all balances. I also have used GS/Marcus for years and just took advantage of the $100 offer, hey why not!

Do your homework, read the fine print.
I could be wrong, but I recall a few years ago when inquiring about Discover mmkt, they gate your withdrawls, meaning you could not take out over $100k at a time etc.
Baseball Fan

I currently own PRBLX/PRILX in two R-IRA accounts. I have been looking for a LCV fund to "diversify" a little bit, because of the presumed rate hikes causing a slowdown in growth.
One fund that keeps popping up on my screen is PARWX/PFPWX. I've been following it since Mr. Hwan took sole duties and it appears he is doing what he said he would, reduce volatility, add some diversification, add alpha, lower SD, etc.
I am contemplating adding Endeavor to compliment Core, but there are concerns. There are about a dozen stocks in common, but only ONE in the top 10 positions. Most metrics favor PRBLX/PRILX and returns are not dramatically lower in the recent past (1,3,5 years).
Any thoughts on the rational to hold both of these funds? Suggestions, critiques, opinions welcome!
Matt

@JD_co
Hussy hsgfx after this reset might be top dog looking backwards 10 years
What are your thoughts re hussy hsafx. Allocation fund with risk controls. Puts. Looks at stonk and bond valuations when setting allocation. Most target date, allocation funds don't??
Best
Baseball Fan

Odd, the third result returned on my search for Champion Oppenheimer turned up this SEC summary of the settlement and what the issues were:
https://www.sec.gov/news/press-release/2012-2012-110htm
Just skimming, it sounds like Oppenheimer made material, misleading statements (aka "lies") about what it was doing. That's not the impression I get about ARKK. Woods is saying she expects annualized yields averaging 40% over the next five years and has explained why. That would seem to be considered "puffing", rather than, um, "misleading".
We have at least one poster here who appears to feel this is reasonably possible even it it doesn't pan out: "I guess we'll know in 5 years." There may be a fine line between good salesmanship and illegal deception, but so long as Woods invests according to her statements and the ETFs' prospectuses, I don't think she's crossed that line.
From the SEC release:

"Mutual fund providers have an obligation to clearly and accurately convey the strategies and risks of the products they sell,” said Robert Khuzami, Director of the SEC’s Division of Enforcement. “Candor, not wishful thinking, should drive communications with investors, particularly during times of market stress.”

https://www.nationandstate.com/2022/01/10/arkks-investors-have-in-aggregate-lost-money/
Excerpt from above: “Morningstar doesn’t help. Even now, with a lifetime negative P&L, ARKK has four stars and is the #1 ranked fund over five years. Morningstar’s rankings are all based on quantitative data, presumably to eliminate any analyst judgment. But you might think that the trajectory of ARKK’s cumulative profits would be worth considering. It’s hard to identify much useful for investors here, although Morningstar rankings do drive fund flows which generally benefits managers.”
What I’m wondering about is litigation? This is beginning to approach or exceed the disaster of Oppenheimer’s Champion Income Fund in 2008. There was successful litigation against Oppenheimer Funds following that fiasco. An internet search turned up nothing. If Wood has made positive public pronouncements unwittingly, however, it could strengthen a case.

I guess we'll know in 5 years. Right now her largest position in ARKW (what I own along with ARKG) is coin base just moving past Tesla. Coin is down 23% just like ARKW. I can easily see big gains for Coin if Crypto is a real thing, and I think it is. Josh Brown (who I think is terrific) is all in. I am buying BITQ every dip, so far, no good, but 5 years is a long time.

I agree with @wxman123 to the extent than the early investors in ARKK did very well. Wonder how many piled in a year ago, however?

I believe WSJ’s Zweig did a story on this and as is often the case most people get into speculative funds after the initial surge and then lose money. Surely, this is not the first speculative investment fund to lose a lot so it doesn’t deserve that criticism. However, one difference here is the manager publicly boasting the portfolio is set to deliver 40% annualized over the next five years even as investors were already hurting this December 9. Since that date, I believe the fund is down another 25%. So anyone who listened just lost a quarter of their investment in a few weeks. It is those shareholders I feel for and the reason for the initial link. Performance chasing should be discouraged and encouraging unrealistic future performance expectations—40% a year for five years is unrealistic—deserves some response.

I have fiddled around with L?S funds off and on for years, but never had much success. I usually sell them if they loose 10 to 15%
LSOFX did pretty well last year and is more consistent
David reviewed LSOFX a couple of years ago
https://www.mutualfundobserver.com/2018/07/ls-opportunity-fund-lsofx/#more-11890

To your point, Mr. Grantham is very knowledgeable and articulate.
However, his market prognostications have been wrong for many years now.
I don't make investment decisions based on statements from "experts" or "market gurus."

Interesting fund is SFHYX but after so many years it’s assets under management are minuscule. Both Marketwatch and CNBC report AUM of 9.7 m. M* shows 278m. You would think more people would have discovered it. Perhaps the fees and turnover are turnoffs?

I moved our TRP accounts to Fidelity last year due to declining customer service. We had invested with TRP for about 30 years. I would have moved sooner but was holding out on the chance that PRWCX would open to new investors again, but finally decided it was wasn’t worth it. We still have money invested in a number of TRP funds, but they are housed in my Fidelity account and I may switch some of the TRP funds to other options.

+1. I quite understand!

I moved our TRP accounts to Fidelity last year due to declining customer service. We had invested with TRP for about 30 years. I would have moved sooner but was holding out on the chance that PRWCX would open to new investors again, but finally decided it was wasn’t worth it. We still have money invested in a number of TRP funds, but they are housed in my Fidelity account and I may switch some of the TRP funds to other options.

Crash, you've likely read here over the years the discussions about Fido, Schwab, TRP, Vanguard, etc.
I'm biased with Fido, as our investment accounts started with them in 1978. Fully our decision after investigation. We also have some experience with Schwab (now closed) that was offered via an employee plan.

Once the account is set-up online, I'd be free to get into and out of a bunch of mutual funds from a bunch of different Houses--- even in a T-IRA, yes?

YES !!!
--- How many funds does Fidelity offer?
Over 10,000 funds from Fidelity & other companies. Well, I suppose; if one includes all of the share classes offered. BUT, needless to say; you'll have an overwhelming choice of funds from different houses, as well as just about any individual stock or bond you'd like to purchase.

Is $200+K too small for them to worry about? Is that amount so small that it would restrict my options if I used a brokerage?

NO!!! I've helped several over the years set up Roth accts. for them and their kids. Start with $100...........cool, no problem.
--- A Fido account (IRA in your case) for buy/sell of funds, etf's, stocks, etc. has a cash account attached. The cash acct. Not knowing your circumstance for money going into a new acct.; the monies generally would "land" in the cash area of your IRA acct. From there you may buy whatever, with the transaction being inside of the IRA. This in itself is a form of "brokerage" within the IRA acct. Buys and sells move from/to the core cash acct. in the IRA........the core cash acct. EX: $10,000 setting in the core cash and you buy $5,000 of fund, etf, or stock of "X". You now have $5K remaining in core cash (for future buys) and $5K in whatever you purchased. The reverse would take place upon the sale of investment "X"........the proceeds of the sale would move back into the core cash area of your IRA.
NOTE: Fido funds have no minimum purchase...........so, $100 or whatever with get you into the door. This does not apply to other fund houses you may want to buy.
NOTE 2: We have a Fido brokerage acct. (taxable acct.), but it has little use over many years. This taxable brokerage acct. is what we will use when the big LOTTO win happens. :)
Small summary: A stand-alone brokerage is NOT mandatory to have a full functioning IRA account for all buy/sell with Fido; as noted in the example.
FIDO, HONO. I would expect a full knowledge team in place at this office. Make a list of questions and be patient, eh?
FIDO house overview This page has several "blue" tabs for selecting a Fido funds investment area....click a few for a view of offerings.
Lastly, over the many years here; you have seen many ticker symbols. With a few exceptions, you'd likely be able to buy any one of those via your IRA account.
MFO folks........please revise, as needed; any info I have provided here. TY.
Time to go exploring, eh?
Catch

SPD is one of the new Simplify ETFs with complicated strategies. The web page has little information but the theory should work and is very quantitatively documented. I have not tried calling them to get a little better description of potential ups an downs (Barrons ( Sept 6 2021) said SPD's "protection would be minimal until there is a selloff of 30 to 40% " although the author had no data to back her up. It depends on the structure of the puts which also change as they get closer to exploration.
Unfortunately it is hard to find specific goals in any of the material from these funds. TAIL has been running for several years, but there is little description of what to expect
The "Buffered ETFs " seem to be more specific, as they have a specific month in their name and focus on the next 12 months.
IT taks a lot of work to sort these things out

A simple question. Non-account specific. A question that anyone at their end should be able to answer. If you could GET THROUGH to anyone. At last, in desperation, I did. He was no help. Human, alright--- but prevented by his system and protocols from doing anything for me. Wrong department. And apparently prevented by the rules he must follow from simply THINKING.
TRP has very well hidden their corporate phone lines, too. NO ONE IS HOME. Why would I attempt to call CORPORATE? Because "customer service" is not servicing customers.
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I've read here on the board about references to the fact that TRP must have farmed out the Customer Rage and Aggravation lines to some Call Center somewhere. I don't doubt it. ... Clearly they are too big for their britches, these days. I see that they've just acquired some other investment outfit too, by the way. The culture has changed. No shareholder deserves this kind of treatment.
I'm aware that customer "service" at Vanguard is equally as bad, so I won't go THERE. Years ago, some guy at Matthews got up on the wrong side of the bed, and very quickly, they found themselves without my money.
...I could--- as most of the rest of you do--- use a brokerage. There are offices for all the famous ones here in this city. But unless I NEEDED to do it, there'd be normally no reason to have to do things in person. Transferring via a direct rollover involves some basic paperwork by remote-control between offices. I've done THAT before. The TRP brokerage? In which I have a tiny amount invested? I'll just wait for my stock to climb out of its hole. Today is a good day, despite the rest of the Markets.
This is a serious question: I'm hoping to get input from any of you others about Fund Houses you are HAPPY with in terms of customer service. And if you wouldn't mind: how do the people get paid at those brokers like Schwab or Fidelity? Is $200+K too small for them to worry about? Is that amount so small that it would restrict my options if I used a brokerage? I'm grateful ahead of time for replies. Thanks. Who's got the skinny?
I'll wait, and choose my moment to exit TRP when it's more advantageous.
*I just got a call-back from them! That's funny: when that previous fellow disconnected me, there was no indication that such a thing would happen. And of course, she wanted name and address. OK.
...Oh, but wait: I need your investor number or account number.
How about my Social? How DIFFICULT does this need to BE? I gave her my shoe size, hat size and physical location on the WEST side of the street, too. Jesus H. Christ.
Well, then... can you verify your account balance? I recalled the approx. total and gave it to her.... OK, yes: they must verify identity. But my question did not even involve any particulars about my account. I offered to give her my SS. But that wasn't good enough, either. What a cluster-fuck. And after 25 minutes and multiple attempts to get to a human who was empowered and willing to listen and give me an answer, she was able to answer my question. In three seconds.
NOTHING should be THIS difficult.
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I think that OP @larryB is now more puzzled about TIPS.
BTW, the Fincash site you quote shows wrong denominator for Macaulay Duration - it should the the sum of the cash flows (not the bond price), so the weighting is indeed by the present values of cash flows, not by times. The result is duration in years (or whatever periods used) and weights are dimensionless fractions of PVs of cash flows. I have checked this with some finance books and also the Wiki,
https://en.wikipedia.org/wiki/Bond_duration
Interest rate sensitivity is a good and practical approximation of Macaulay Duration, and there isn't much difference between the two.
Anyway, TIPS are rather complex in how they behave when held individually vs through funds (OEFs, ETFs). Most people holding those don't appreciate those complexity and are often surprised by results.