never sell, as the hopeful saying goes Sorting through old basement boxes I came across my IRS returns as an adolescent, prepared by my father, from the early 1960s.
Along with W2s from the Balsams Resort ($450 for the summer) and International Harvester ($1k. other summers) were schedule lists of modest stock and fund holdings, Transcontinental Gas Pipeline, Draper (not Labs), Ryder (not trucks), and Ford, ... and also Mass. Investment Growth and Fidelity Trend funds, both extant.
So I went and plotted those two mutual funds from ~1959 to present, and observed how the $50 then would (reinvested, which we did not do so much) be ~$11k-$40k today.
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1.8
5%, is that really the best one can do on a Savings/MM account? Missing from the list is
Salem Five Direct, which yields 2.0
5%. The site also omits a couple of well known banks, Ally and Syncrony, that offer the same 1.7
5% as the second best yielding bank of those that are listed.
Nor does it show the superior savings account rate of 1.90% of a bank that even advertises on the site:
PurePoint Financial. Maybe PurePoint only paid to be listed with CD rates. Or maybe the banks shown on the savings account page paid to keep the higher rate off.
(It's not PurePoint's $10K min that's the problem, because the savings account page lists Capital One, that also has a $10K min. Nor it is that PurePoint is not included in BankRate.com's site, which is the source of the data.)
It doesn't even get the comparisons with TBTF banks correct. It shows them all yielding 0.01%. BankRate reports Citibank at 0.04% and BofA 0.03%.
M*: The 3-Fund Portfolio You have a good memory. Earlier prospectuses (e.g.
this one from 2013) didn't imply there were fixed stock/bond ratios, but the
current prospectus does:
[For AOM] As of July 31, 2017, the Underlying Index included a fixed allocation of 60% of its assets in Underlying Funds that invest primarily in equity securities and 40% of its assets in Underlying Funds that invest primarily in bonds. As of July 31,2017, the Fund invested approximately 63.57% of its assets in Underlying Funds that invest primarily in equity securities, 36.24% of its assets in Underlying Funds that invest primarily in bonds and the remainder of its assets in Underlying Funds that invest primarily in money market instruments.
The 60/40 seems to be a target, since the next sentence gives the actual allocations.
Looking at the funds' allocations for April 30, 2014, AOA had 3.77% in Cohen & Steers REIT ETF (ICF) (see page
here), while AOK had none (see page
here). So the funds used to include different underlying funds, including RE.
Though as you suggested, not really enough to make much of a difference.
Large corrections ahead on !? Stock Markets a Bomb Waiting to Go Off – Gregory Mannarino Hi Sir- Mark. Have very small portion play money on O.. Was looking at O for very long time past few yrs but never buy it.. I was very under weigh in real-estate eft and stocks so finally pulled trigger when went down recentlys. May put short stop lost on it tomorrow
For cash - I used safe individual aaa muni or safe Aa+ bonds as cash portions. Currently don't have a true cash portions at all,probably 5%. I am not very good w playing market timing so probably best leave it indexes and some in TRP funds at 401k
Large corrections ahead on !? Stock Markets a Bomb Waiting to Go Off – Gregory Mannarino Still about 80-20 w 401k distributions and bought more stocks real-estate reits previously w private equities portfolio... I Still have least 20 yrs until retirement so taking the lazy portfolio approaches... We are overdue for a large15s%correction so nothing surprises me anymore . Did place trade on O and another oil preferred stocks last week