Comparisons are what software tools are for.
Build a M* portfolio with $10,000 worth of PRWCX and around $6,000 worth of TCAF. That is to account for the fact that only about 60% of PRWCX is in equity. So $6K of equity in this portfolio comes from PRWCX and $6K from TCAF.
Run X-ray and look at stock intersections.
There's an old saying: Give a man a fish ... If you want to know more about how these funds match up, go fish.

More on traveler credit cards (NYTimes, Nov 15th) along with the comments I posted
https://www.nytimes.com/2024/11/15/travel/choosing-the-best-travel-credit-card.html:
https://www.nytimes.com/shared/comment/439grp?rsrc=cshare&smid=url-share
Some places may not accept both Visa and MC. Costco is well known for taking only Visa, but this is also important when traveling. My tour company writes of Argentina:

Visa is commonly accepted, but MasterCard and American Express are not. In November 2022, the government of Argentina added a new financial exchange rate (known as “Dólar MEP” or “Mercado Electronico de Pagos”) for all travelers paying with credit cards issued outside of Argentina. This new exchange rate is higher than the official dollar, but is more convenient for travelers. It is essentially a tax on credit card use for travelers. We recommend that instead, you visit an exchange house with your Trip Experience Leader as dollars are appreciated and you will likely get a better exchange rate than paying with card

(I'm still trying to figure out Argentina pesos exchanges and rates:
https://solsalute.com/blog/money-in-argentina-currency-exchange/)

Hi @Observant1
I've tried to help and push some folks over many years dealing with their bad habits, with their money . There have been a few success stories. I'm pleased about that.
The below book has been a gift, over the years, on several occasions, as part of a wedding gift. Written in 1996, the book is more of a guide for personal finance; and one has to forget about the money values noted at the time. The book is more of a money habits guide; both the good and the bad. The thoughts still apply today.
A snippet:

wealth is more likely the outcome of prudent spending and saving habits than high income or inherited wealth.

The Millionaire Next Door

The Week in Charts (11/22/24)
The most important charts and themes in markets and investing, including:
00:00 Intro
01:07 Topics
02:49 Fat Tails and Lumpy Returns
08:34 Nvidia Hardware Is Eating the World
21:27 The Narrative Fallacy
30:41 Why the Fed Will Be Forced to Pause
39:42 The "Dogecoin Millionaire" Gets a Second Chance
49:28 Knowing When to Sell
52:03 Super Bowl Predictions
55:42 Falling Jobless Claims
Video
Blog

The Week in Charts (11/20/24)
The most important charts and themes in markets and investing, including:
00:00 Intro
01:08 Topics
02:04 Inflation Isn't Going Away
09:03 The Bond Market's Message to the Fed
14:28 Borrowing From Our Future
15:59 DOGE vs. $DOGE
19:29 Post-Election Market Euphoria Is Fading
24:44 Rising Real Wages
Video
Blog

***** CWB in the list, indicates a + 3.02% gain for the week. I can not find any data that relates to this large gain.
NOTE:

My intention, at this time; is to present the data for the selected bond sectors, as listed; through the end of the year (2024). This 'end date' will take us through the U.S. elections period, pending actions/legislation dependent upon the election results, pending Federal Reserve actions and market movers trying to 'guess' future directions of the U.S. economy. As important during this period, are any number of global circumstances that may take a path that is not expected; and/or 'new' circumstances. In the 'cooking pot' we currently have the big ingredients of the middle east and also, how much damage Ukraine may inflict upon Russia and the response.

FIRST: NOTHING TO ADD/ALTER regarding 'Never-Never Land'. The pre-DC world shift of January, 2025 remains 'interesting' at this time! We're in a 'Never-Never Land' (events you never imagined) of potential large impacts upon various economic functions emanating from a central government in the coming months and years. What comes next for the investing world of bonds is not yet known or fully understood, except for those have a better guessing system than I. I can only watch and listen a little bit and let the numbers try to bring forth meaningful directions.
W/E November 22 , 2024..... Bond NAV's had weekly positive numbers
--- 'Course, all the bond sectors in the list find their reasons for price movements, and we find 'slightly UP' for this week's pricing. Many bond sectors where 'every which way' for most of the week, with price recovery for most sectors on Friday, which helped the positive prices for the week. Short and long duration bonds took turns with up and down pricing on various days. So, depending on where you're 'hanging' your bond market monies, the pricing this week, was erratic . The MINT etf, to the best of my recall, has maintained a positive price for the year, each and every week; and this remains for this week.
A few numbers for your viewing pleasure.
NEXT:
*** UST yields chart, 6 month - 30 year. This chart is active and will display a 6 month time frame going forward to a future date. Place/hover the mouse pointer anywhere on a line to display the date and yield for that date. The percent to the right side is the percentage change in the yield from the chart beginning date for a particular item. You may also 'right click' on the 126 days at the chart bottom to change a 'time frame' from a drop down menu. Hopefully, the line graph also lets you view the 'yield curve' in a different fashion, for the longer duration issues, at this time. Save the page to your own device for future reference. NOTE: take a peek at the right side of this graph to find the yield swings of the past week, and for the current yields for the last business day.
For the WEEK/YTD, NAV price changes, November 18 - November 22, 2024
***** This week (Friday), FZDXX, MM yield continues to move with Fed funds/repo/SOFR rates; and ended the week at 4.45% yield (Unchanged for the week). Fidelity's MM's continue to maintain decent yields, as is presumed with other vendors similar MM's. Theoretically, a new yield bottom is in place, until the next FED action. SO, one is still obtaining a decent MM yield. MOST MM's found a few hundreds basis drop in yield for the week. MM's yields were down SLIGHTLY at .03 - .04 basis points for the week.................
--- AGG = +.15% / +1.61% (I-Shares Core bond), a benchmark, (AAA-BBB holdings)
--- MINT = +.13% / +5.37% (PIMCO Enhanced short maturity, AAA-BBB rated)
--- SHY = -.01% / +3.26 % (UST 1-3 yr bills)
--- IEI = +.08% / +1.61% (UST 3-7 yr notes/bonds)
--- IEF = +.30% / -.04% (UST 7-10 yr bonds)
--- TIP = +.30% / +2.48% (UST Tips, 3-10 yrs duration, some 20+ yr duration)
--- VTIP = +.14% / +4.57% (Vanguard Short-Term Infl-Prot Secs ETF)
--- STPZ = +.13% / +4.23% (UST, short duration TIPs bonds, PIMCO)
--- LTPZ = +.39% / -1.84 % (UST, long duration TIPs bonds, PIMCO)
--- TLT = +.34% / -5.54% (I Shares 20+ Yr UST Bond
--- EDV = +.41% / -9.51% (UST Vanguard extended duration bonds)
--- ZROZ = +.50% / -12.08% (UST., AAA, long duration zero coupon bonds, PIMCO
--- TBT = -.51% / +20.27% (ProShares UltraShort 20+ Year Treasury (about 23 holdings)
--- TMF = +.74 % / -29.25% (Direxion Daily 20+ Yr Trsy Bull 3X ETF (about a 2x version of EDV etf)
*** Additional important bond sectors, for reference:
--- BAGIX = +.21% / +2.12% Baird Aggregate Bond Fund (active managed, plain vanilla, high quality bond fund)
--- USFR = +.12% / +4.92% (WisdomTree Floating Rate Treasury)
--- LQD = +.13% / +1.61% (I Shares IG, corp. bonds)
--- MBB = +.46% / +1.67% (I-Shares Mortgage Backed Bonds)
--- BKLN = +.25% / +7.69% (Invesco Senior Loan, Corp. rated BB & lower)
--- HYG = +.33% / +8.06 % (High Yield bonds, proxy ETF)
--- HYD = +.15%/+5.19% (VanEck HY Muni)
--- MUB = +.17% /+1.75% (I Shares, National Muni Bond)
--- EMB = +.53%/+6.41% (I Shares, USD, Emerging Markets Bond)
--- CWB = +3.02% / +14.02% (SPDR Bloomberg Convertible Securities)
--- PFF = +.34% / +10.36% (I Shares, Preferred & Income Securities)
--- FZDXX = 4.45% yield (7 day), Fidelity Premium MM fund
*** FZDXX yield was .11%, April,2022. (For reference to current date)
Comments and corrections, please.
Remain curious,
Catch

WBALX Conserv. Alloc. fund is 4.32 % of my total. Your post above prompted me to look:
It's 44% stocks, 47% fixed income. And 8.25% cash, but almost 5% short. And it's overweight in materials, compared to its Index. 10.5% in Materials.
My other Alloc. fund is PRWCX.

With the stock market going up this year, my total equity exposure was not going up and so I wanted to check if I am fiddling too much with my port or my fund managers are fiddling too much.
As of 10/31, FBALX is 65% in equity and PRWCX is 60% in equity.
https://www.troweprice.com/personal-investing/tools/fund-research/PRWCX
Based on M* analysis, Giroux is defensively positioned in terms of total equity exposure. M* analyst (human) report says,
"Giroux and team deliver a high-conviction basket of roughly 50 stocks that account for 60%-70% of the fund’s assets. He’ll shift the exposures meaningfully when he identifies mispricing, such as scaling up equity exposure when drawdowns bring valuations to a more attractive level. Giroux executed this approach in 2018, early 2020, and again in 2022. Although such moves can be early at times, driving steeper short-term losses, they’ve paid off over the long run. Don’t expect the stock weight to fall below 60% often, if at all. The team is more confident in identifying market bottoms than tops."
I am probably more guilty than my fund managers for my lower than expected equity exposure.
Feel free to post if you noticed how any of your other funds are positioned.
I hope @WABAC does not mind my changing the direction of this thread.

Heavens to Betsy, what a thought; it has been moldering in the grave. :)
As described elsewhere, I dumped FBALX because their duration is too long for me, and I already have a couple of Fido stock pickers in FMILX and FDSVX.

With the stock market going up this year, my total equity exposure was not going up and so I wanted to check if I am fiddling too much with my port or my fund managers are fiddling too much.
As of 10/31, FBALX is 65% in equity and PRWCX is 60% in equity.
https://www.troweprice.com/personal-investing/tools/fund-research/PRWCX
Based on M* analysis, Giroux is defensively positioned in terms of total equity exposure. M* analyst (human) report says,
"Giroux and team deliver a high-conviction basket of roughly 50 stocks that account for 60%-70% of the fund’s assets. He’ll shift the exposures meaningfully when he identifies mispricing, such as scaling up equity exposure when drawdowns bring valuations to a more attractive level. Giroux executed this approach in 2018, early 2020, and again in 2022. Although such moves can be early at times, driving steeper short-term losses, they’ve paid off over the long run. Don’t expect the stock weight to fall below 60% often, if at all. The team is more confident in identifying market bottoms than tops."
I am probably more guilty than my fund managers for my lower than expected equity exposure.
Feel free to post if you noticed how any of your other funds are positioned.
I hope @WABAC does not mind my changing the direction of this thread.

@YBB, tyvm for that info --- not surprising, don't know why I didn't think of it or investigate. One of my kids works in that space.
Sila obviously give much attention to service and professionalism and prompt responsiveness and transparency, it is really something. Reassuring confidence. Precision prep and cleanup.
We do have other local plumber groups which somehow have seemed iffier the times I have had to use them, although as I say I rely on my local regular for most things. (He has a boat and a place on the Cape, as well as residence down the road. Everyone knows the joke where the plumber fixes the neurosurgeon's undersink emergency and after 23 hard minutes says 'All set, that'll be $1841.' The neurosurgeon says 'Man, I don't think I can make $1841 in 23 minutes.' And the plumber replies, 'Neither could I when I was a neurosurgeon.')
Sila employees are on staff and the four I have talked to by now, senior and junior, have been with the outfit for many years, 5-9 iirc. Big rigs deployed that they park at home and are fully monitored and insured and so on by the company.
Backbreaking work some plumbing is.
Backyard excavation starts next week.
@Derf, septic tank and cesspool and leachout were and are fine, thanks, and did not even need the $440 inspection and pumping that Sila insisted on.
I feel fortunate as always to be able to afford any of this, though it shoots savings and treat setasides for this and much of next year. Whatever. Not like there was a choice.

Harbor is also liquidating its ETF clone INNO:
Supplement to Prospectus, Summary Prospectus, and Statement of Additional Information, each dated March 1, 2024

Harbor ETF Trust’s Board of Trustees has determined to liquidate and dissolve Harbor Disruptive Innovation ETF (the “Fund”). After the close of business on December 13, 2024, subject to applicable law, the Fund will no longer accept creation orders. Trading in the Fund will be halted prior to market open on December 16, 2024. The Fund is currently scheduled to liquidate at the close of business on or about December 19, 2024 (the “Liquidation Date”).

https://www.sec.gov/Archives/edgar/data/1860434/000119312524264329/d833326d497.htm
The management structure is something I hadn't seen before (perhaps I just wasn't paying attention). Usually when a firm contracts out subadvisors, the firm exercises oversight and the day-to-day management is executed by the subadvisors. Here, Harbor retained day-to-day management responsibilities and contracted five outside firms on a non-discretionary basis (not allowed to make trades on their own).

Each of the Subadvisors [] provides a model portfolio to the Advisor, which the Advisor implements at its discretion with respect to a portion of the assets of the Fund. The Advisor is responsible for the day-to-day investment decision making

Two of the subadvising firms (4BIO Capital and Tekne Capital Mgmt) quit earlier this year.
Harbor's ETF lineup makes it look like Harbor is a company flailing, trying to figure out how to fit in with the newer ETF world. Most of its ETFs (all but two) were launched in 2021 or later and many are what I would call gimmicky: 3 Human Capital Factor ETFs (happy employees), 3 AlphaEdge ETFs, 2 Scientific Alpha, and so on.
The poster child for disruptor innovation investing is ARKK, turning in a bottom 5% performance for this year. Unlike the Harbor funds, it retains $6.5B AUM.
Other funds with "disrupt" in their names include:
AB Disruptors ETF FWD (average 2023 part year performance, hot 2024)
ALPS Disruptive Technologies ETF DTEC 2*
Fidelity Disruptors ETF FDIF 1*
Fidelity Disruptive Automation ETF FBOT 2*
Fidelity Disruptive Communications ETF FDCF 3*
Fidelity Disruptive Finance ETF FDFF 3*
Fidelity Disruptive Medicine ETF FMED 2*
Fidelity Disruptive Technology ETF FDTX 2*
Franklin Disruptive Commerce ETF 1*
Global X Disruptive Materials ETF DMAT(-33% cumulative over its nearly 3 years)
GraniteShares Nasdaq Sel Disruptors ETF DRUP 3*
Neuberger Berman Disrupters ETF NBDS (underperforming annually since Apr 2022 start)

https://www.sec.gov/Archives/edgar/data/793769/000119312524264328/d833406d497.htm
497 1 d833406d497.htm HARBOR DISRUPTIVE INNOVATION FUND PROSPECTUS SUPPLEMENT
 
111 South Wacker Drive, 34th Floor
Chicago, IL 60606-4302
harborcapital.com
Supplement to Prospectus, Summary Prospectus, and Statement of Additional Information,
each dated March 1, 2024
Harbor Disruptive Innovation Fund
November 22, 2024
Harbor Funds’ Board of Trustees has determined to liquidate and dissolve Harbor Disruptive Innovation Fund (the “Fund”). The liquidation of the Fund is expected to occur on January 29, 2025 (the “Liquidation Date”). The liquidation proceeds will be distributed to any remaining shareholders on the Liquidation Date.
Shareholders may exchange shares of the Fund for another Harbor fund, or redeem shares out of the Fund, in accordance with Harbor’s exchange and redemption policies as set forth in the Fund’s prospectus, until the Liquidation Date.
In order to ready the Fund for liquidation, the Fund’s portfolio of investments will be transitioned prior to the planned Liquidation Date to one that consists of all or substantially all cash, cash equivalents and debt securities with remaining maturities of less than one year. As a result, shareholders should no longer expect that the Fund will seek to achieve its investment objective of seeking long-term growth of capital.
Because the Fund will be liquidating, the Fund is now closed to new investors. The Fund will no longer accept additional investments from existing shareholders beginning on January 22, 2025.

https://www.sec.gov/Archives/edgar/data/889284/000139834424021347/fp0091223-1_497.htm
497 1 fp0091223-1_497.htm
Filed pursuant to Rule 497(e)
File Nos. 033-49098 and 811-06719
STERLING CAPITAL FUNDS
SUPPLEMENT DATED NOVEMBER 22, 2024
TO THE STERLING CAPITAL BEHAVIORAL INTERNATIONAL EQUITY FUND SUMMARY PROSPECTUSES,
CLASS A AND CLASS C SHARES PROSPECTUS,
INSTITUTIONAL AND CLASS R6 SHARES PROSPECTUS,
AND STATEMENT OF ADDITIONAL INFORMATION,
EACH DATED FEBRUARY 1, 2024, AS SUPPLEMENTED
This Supplement provides the following amended and supplemental information and supersedes any information to the contrary with respect to the Sterling Capital Behavioral International Equity Fund in the Class A, Class C, Institutional and Class R6 Shares Summary Prospectuses, the Class A and Class C Shares Prospectus, the Institutional and Class R6 Shares Prospectus, and the Statement of Additional Information, each dated February 1, 2024, as supplemented:
The Board of Trustees of Sterling Capital Funds has approved the liquidation of the Sterling Capital Behavioral International Equity Fund (the “Fund”). The liquidation is expected to occur on or about January 24, 2025 (the “Liquidation Date”). As of the date hereof, shares of the Fund are no longer being offered for sale.
Prior to the Liquidation Date, you may sell your Fund shares, including reinvested distributions, in accordance with the “Selling Your Shares” section of the Fund’s prospectus. Unless your investment in the Fund is through a tax-deferred retirement account, a redemption is subject to tax on any taxable gains. You may wish to consult your tax advisor about your particular situation.
Prior to the Liquidation Date, the Fund will no longer pursue its stated investment objective. The Fund will begin liquidating its portfolio and may invest in cash, or cash equivalents such as money market funds, until all Fund shares have been redeemed and liquidation proceeds distributed to Fund shareholders.
ANY SHAREHOLDERS WHO HAVE NOT SOLD THEIR SHARES OF THE FUND PRIOR TO THE LIQUIDATION DATE WILL HAVE THEIR SHARES AUTOMATICALLY REDEEMED AS OF THAT DATE, AND PROCEEDS WILL BE SENT TO THE ADDRESS OF RECORD
Please contact your financial advisor or Sterling Capital Funds at 1-800-228-1872 if you have any questions about the liquidation.
IMPORTANT INFORMATION FOR RETIREMENT PLAN INVESTORS
If you are a retirement plan investor, you should consult your tax advisor regarding the consequences of a redemption of Fund shares and any distributions from your retirement account. If you receive a distribution from an Individual Retirement Account or a Simplified Employee Pension (SEP) IRA, you must roll the proceeds into another Individual Retirement Account within sixty (60) days of the date of the distribution in order to avoid having to include the distribution in your taxable income for the year. If you receive a distribution from a 403(b)(7) Custodian Account (Tax-Sheltered account) or a Keogh Account, you must roll the distribution into a similar type of retirement plan within sixty (60) days in order to avoid disqualification of your plan and the severe tax consequences that it can bring. If you are the trustee of a Qualified Retirement Plan, you may reinvest the money in any way permitted by the plan and trust agreement. For additional information regarding the liquidation, shareholders of the Fund may call 1-800-228-1872.
SHAREHOLDERS SHOULD RETAIN THIS SUPPLEMENT WITH THE PROSPECTUSES AND THE STATEMENT OF ADDITIONAL INFORMATION FOR FUTURE REFERENCE
SUPP-11222024

Thanks. do they charge 0.1% ($1 for every $1K face amount) in transaction fees?
I do not currently have a single Agency bond as every one of them I bought got called. I lost a 6% and a 5.6% for redemptions in the last couple of days.

@BaluBalu, from Schwab.
CUSIP 25161FZX9

22 Nov, '24.
Vonnie Quinn is in as guest host. I'm Irish, but her brogue drives me up the wall. "What? What did you say???"
https://www.bloomberg.com/news/videos/2024-11-22/bloomberg-real-yield-11-22-2024-video
Will Trump fire Powell? No. Rate cuts? Fewer. But Kurt Reiman of UBS would like to see more cuts, into and through 2025. By the end of '25, the dollar should be lower.
Then, there is a tactical discussion about spreads and yields.
Holiday-shortened week, next week. Thanksgiving.

Adding another 1000s of T-C to my income account. GTC order partially filled today.
If called next year, that'd be an extra $5K cap gain per 1000s tranche, which would be nice. Otherwise I'm happy to continue taking the QDI every quarter.

I've been doing to same @Level5 for much of this year, buying higher yielding long term callable bonds where you can still get at least 5.5+% until called. I just put an order in for a 10 year from DEUTSCHE BK yielding 5.75% at call. The next call isn't for 2 years, 11/29/2026.

CUSIP please as @Level5 did. thanks

Thank you all for the additional replies.
@WABAC, As always, on the money. That is what led me to start with FSCSX and the 25% in MSFT was a turn off for me. I do not mind focused / concentrated portfolios but 25% is too much for a Trump Presidency. I shall look for other active funds.

Hi @MikeM - 5.75% for 1st call at 2-yrs - terrific find!