FYI: Unless you can get a guaranteed annual return of 8% on your retirement savings, employing a Social Security “bridge” with 401(k) and other savings until age 70 is the right move for almost all Americans who can afford to forgo the income.
This bridge strategy, laid out in a white paper by the Center for Retirement Research at Boston College, works for most people because retirees’ monthly Social Security checks increase 7% to 8% for every year they delay claiming up to age 70, when Social Security benefits max out.
Regards,
Ted
https://www.marketwatch.com/articles/social-security-bridge-q-a-answers-to-your-questions-about-the-retirement-income-strategy-51573912801?mod=barrons-on-marketwatch

Hi guys,
Have been doing some buying this month. Have added AEDVX. It's a mad money position. Just want to beat MM. Also have bought FAMEX. It's my last mid cap fund.....that makes 5......no more. Opened a position in FIFNX. It's a new fund. I like what it is, and its list of companies it owns. Also opened new position in FNSTX. Again, another new fund. Opened a position in PGTAX after watching FrontLine.....Season 2019, Episode 5, November 5th ....AI program had to get some. If you have time, watch it. Scarey......
Also added YCGEX. Also have added some money to funds I already own. I believe we're going higher.
God bless
the Pudd

“Anyone selling/switched to safe equities/bonds yet?”

That’s a provocative question.
A lot depends on your definition of “safe.” An investment isn’t really safe if fails to keep pace with inflation after taxes and investment expenses. And it’s not safe if it locks you out of potential buying opportunities (sometimes called “opportunity cost”). But, to answer your question, I’ve made no allocation changes the past 18 months. I did, however, move my REIT exposure to a more conservative fund that holds some REITS along with other investments.
Here’s a chart:

Source https://inflationdata.com/Inflation/Inflation/Cumulative_Inflation_by_Decade.asp
I’d suggest that after all is said and done the “safest” investment (assuming that’s your game plan) is a broadly diversified portfolio of mutual funds, etfs or similar instruments having exposure to various types of equities, bonds, cash and alternative type investments. As one ages or has different needs and objectives, risk can be added or taken off the table. You can vary your risk by the types of bonds, stocks, funds you choose to hold and the relative % devoted to each. But a portfolio totally devoid of equities? - That’s like having Christmas without Santa.

FYI: ( Just remember what the Linkster has always said. Dividends are the mother's milk of investing.)
For investors who are saving for retirement, dividend stocks are a crucial building block—with reinvested payouts juicing returns during the preretirement phase and providing crucial income to retirees during the drawdown phase.
Indeed, the once-sleepy world of dividend investing is hot. With their attractive income and yields, dividend stocks not only offer solid returns in an era of ultralow bond yields that doesn’t appear to be ending soon, but also hold the promise of price appreciation. The S&P 500 index’s yield was recently around 1.9%, about even with that of the 10-year U.S. Treasury note—itself a common source of income for retirement savers.
Regards,
Ted
https://www.barrons.com/articles/how-to-generate-income-in-retirement-with-dividend-stocks-51573837865?mod=past_editions

It may be worth noting that concentration and low turnover characterize FAMEX and TGUSX, the latter holding 51% of AUM in its top 10 positions. AKREX has also been very successful with this strategy. 2019 is the first year since the fund opened that there will be any meaningful year-end distribution. The first two funds mentioned also appear to be tax efficient. Another mid-cap fund that shares these characteristics is DFDMX. A wag might venture the thought that the best active management is buying good stocks and holding on for ages.

FYI: Fidelity Investments and T. Rowe Price Group Inc. TROW 0.27% were among the firms that won preliminary regulatory approval to offer a new flavor of exchange-traded fund aimed at reviving investors’ interest in stock-picking managers.
The U.S. Securities and Exchange Commission on Thursday gave a green light to the firms’ plans, along with those submitted by Natixis Investment Managers and Blue Tractor Group, to create ETFs that choose securities without exposing the managers’ trading tactics.
The approvals granted Thursday were years in the making, and come months after upstart Precidian Investments secured a go-ahead for its own active ETF model.
Regards,
Ted
https://www.wsj.com/articles/fidelity-t-rowe-win-preliminary-ok-on-new-stock-picking-etfs-11573775502?mod=md_mf_news

David, Harbor has a Small Cap Value fund with $1.7B, and a Small Cap Value Opportunities fund with $32M. It is the Small Cap Value Opportunities fund that is closing.

I believe the bulls that started in 1974 and 1987 both delivered more than 800% to investors.

Hmmm. This does not add up. The two bulls of 1980-2000 delivered way higher return. c

Conestoga Funds Estimated Distributions - Subject to Change:
It has been estimated that the Conestoga Small Cap Fund will pay a long-term distribution of $1.265283 per share and the Conestoga SMid Cap Fund will pay a long-term distribution of $0.234968 per share. There are no estimated short-term distributions at this time for either fund. The record date is December 5th, 2019 and the payable date is December 6th, 2019 for both distributions.
http://www.advisorlaunchpadwebsites.com/0a1681ad-de11-4688-80f9-7aa32b158917/conestoga-smid-cap-fund
PGIM Investments Mutual Funds (new)
https://www.pgim.com/pgim-investments/investments-products/mutual-funds/distributions

https://www.cnbc.com/2019/11/14/the-markets-10-year-run-became-the-best-bull-market-ever-this-month.html
This is now the best bull market ever
The current market boom, which started March 9, 2009, has enjoyed a whopping 468% gain for the S&P 500 through the first day of November, according to The Leuthold Group.
This record-long bull run also marks the best-performing one since World War II, the firm says.
“The most outstanding feature of this cycle since 2008 is always going to be fear,” says Jim Paulsen, chief investment strategist at The Leuthold Group.
Anyone selling/switched to safe equities/bonds yet?

Four stars. $1.7 billion. Short notice.
Uh huh.

I think the point is that if you want to keep cash at your current brokerage (here, TDA), there may be decent alternatives, depending on the brokerage.
Here's Merrill Edge's list of non-proprietary MMFs they offer:
https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf
GOFXX is on that list, but Merrill makes it available only in "accounts enrolled in an investment advisory program." Other MMFs are available for DIY investors.
These days I don't see much need to keep more than a little cash at one's brokerage (except for IRAs). One can transfer cash in from outside banks via ACH and have it available for trading almost immediately. (Having it available for withdrawal can take a couple more days.)
It's still easy to find banks with APYs going forward of 1.9% or better. CapitalOne, Marcus, Barclays, ...
Just as one looks at the APY at a bank for interest going forward, with MMFs one looks at the 7 day SEC yield rather than what one earned over the past year (TTM).
PCOXX seven day yield: 1.74%
GOFXX seven day yield: 1.59%
AMAXX seven day yield: 1.31%
https://www.federatedinvestors.com/products/mutual-funds/prime-cash-obligations/ws.do
https://www.federatedinvestors.com/products/mutual-funds/govt-obligations/prm.do
https://www.pimco.com/en-us/investments/mutual-funds/government-money-market-fund/a
If I were looking outside my brokerage for a MMF, I'd stick with Vanguard:
VMMXX seven day yield 1.79%. (TTM as of Oct. 31 was 2.33%)
VUSXX (state tax exempt) 1.73%. (TTM 2.23%)
https://investor.vanguard.com/mutual-funds/profile/VMMXX
https://investor.vanguard.com/mutual-funds/profile/VUSXX

The three mmk mutual funds that I am currently invested in are as follows: (Ticker Symbol/TTM Yield)
PCOXX / 2.33%
GOFXX / 2.19%
AMAXX / 2.08%

For completeness, the three footnotes all say that these funds may lose money and are not insured (standard boilerplate).
In addition, footnote (1) generally applies to prime and muni MMFs, which "may impose a fee upon the sale of your shares or may temporarily suspend your ability to sell shares if the fund's liquidity falls below required minimums." Same as, e.g. VMMXX.
Footnote (3), generally applicable to institutional funds, includes the same warnings and also notes that "the share price of the fund will fluctuate." Unlike the MMFs you're used to, variations in the NAV are reflected in the price per share of such funds.
For example, the highest yielding fund (aside from ones requiring $1M to buy) is PVSXX. Its current NAV is $1.0003, so I believe that you would get slightly less than one share per dollar. I haven't found the NAV info at TD Ameritrade; for this fund you can find it at Federated here:
https://www.federatedinvestors.com/products/mutual-funds/instl-prime-value-obligations/ss.do

Noticed an announcement logging into TDA this evening, which brought me to this page, shown below. Looks like they're finally giving folks an option to tuck money into real MM funds for a change though I haven't looked into the funds ER yet. While many were no-load/no-fee, this is the first time I've seen MMs at TDA offered w/o the short-term redemption fee as well, which now makes these potentially more viable for people to tuck $$ into versus the paltry cash accounts.

All of the funds listed below are no-load, with no transaction fee, and no short-term redemption fees.
All money market funds on this page have a $1 initial investment minimum except for the following JP Morgan “Agency Class” funds, which have a $1 million initial investment minimum: AJLXX, OGAXX, VFIXX, AJTXX, VPIXX, VTIXX, and JMAXX.
While the goal of money market funds is earning interest with minimum risk and maintaining a net asset value (NAV) of $1 per share, it’s important to remember this isn’t guaranteed. These funds are not FDIC-insured nor guaranteed by the U.S. government or any government agency.
AJLXX JPMorgan Liquid Assets Money Market Fund Agency Class [1] Prime Money Market
AJTXX JPMorgan U.S. Treasury Plus Money Market Fund Agency Class [2] Money Market-Taxable
CACXX Federated California Municipal Cash Trust Service [1] Money Market-Tax-Free
FNTXX Federated New York Municipal Cash Trust Service Shares [1] Money Market-Tax-Free
GOSXX Federated Government Obligations Fund Service Shares [2] Money Market-Taxable
GTSXX Federated Government Obligations Tax-Managed Fund Institutional Service Shares [2] Money Market-Taxable
GVVXX State Street Institutional U.S. Government Money Market Fund Investment Class [2] Money Market-Taxable
HTOXX JPMorgan Municipal Money Market Fund Premier Class [1] Money Market-Tax-Free
JMAXX JPMorgan Municipal Money Market Fund Agency Class [1] Money Market-Tax-Free
MMCXX Federated Massachusetts Municipal Cash Trust Service Shares [1] Money Market-Tax-Free
MOSXX Federated Municipal Obligations Fund Service Shares [1] Money Market-Tax-Free
OGAXX JPMorgan U.S. Government Money Market Fund Agency Class [2] Money Market-Taxable
OGSXX JPMorgan U.S. Government Money Market Fund Premier Class [2] Money Market-Taxable
PJLXX JPMorgan Liquid Assets Money Market Fund Premier Class [1] Prime Money Market
PJTXX JPMorgan U.S. Treasury Plus Money Market Fund Premier Class [2] Money Market-Taxable
PRCXX Federated Prime Cash Obligations Fund Service Shares [1] Prime Money Market
PVSXX Federated Institutional Prime Value Obligations Funds Service Shares [3] Prime Money Market
TBSXX Federated Tax-Free Obligations Fund Service Shares [1] Money Market-Tax-Free
TISXX Federated U.S. Treasury Cash Reserves Service Shares [2] Money Market-Taxable
TOSXX Federated Treasury Obligations Fund Service Shares [2] Money Market-Taxable
TPVXX State Street Institutional Treasury Plus Money Market Fund Investment Class [2] Money Market-Taxable
TRVXX State Street Institutional Treasury Money Market Fund Investment Class [2] Money Market-Taxable
VFIXX JPMorgan Federal Money Market Fund Agency Class [2] Money Market-Taxable
VFPXX JPMorgan Federal Money Market Fund Premier Class [2] Money Market-Taxable
VHPXX JPMorgan 100% U.S. Treasury Securities Money Market Fund Premier Class [2] Money Market-Taxable
VPIXX JPMorgan 100% U.S. Treasury Securities Money Market Fund Agency Class [2] Money Market-Taxable
VTIXX JPMorgan Tax-Free Money Market Fund Agency Class [1] Money Market-Tax-Free
VXPXX JPMorgan Tax-Free Money Market Fund Premier Class [1] Money Market-Tax-Free

https://www.sec.gov/Archives/edgar/data/793769/000119312519290896/d815234d497.htm
497 1 d815234d497.htm HARBOR SMALL CAP VALUE OPPORTUNITIES FUND - SUPPLEMENT TO PROSPECTUS
Harbor Domestic Equity Funds
Supplement to Prospectus dated March 1, 2019
Harbor Small Cap Value Opportunities Fund
The Board of Trustees of Harbor Funds (the “Trust”) has determined to liquidate and dissolve the Harbor Small Cap Value Opportunities Fund (the “Fund”). The liquidation of the Fund is expected to occur on December 20, 2019 (the “Liquidation Date”). The liquidation proceeds will be distributed to any remaining shareholders of the Fund 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 the Trust’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 and cash equivalents. As a result, shareholders should no longer expect that the Fund will seek to achieve its investment objective.
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 December 2, 2019.
November 13, 2019

https://www.forbes.com/sites/michaelfoster/2019/11/12/this-tax-free-51-dividend-is-hiding-in-plain-sight/#41beb1c72cb0
This Tax-Free 5.1% Dividend Is Hiding In Plain Sight
Nmz

FYI: But broad-market index funds are still great investments.
Regards,
Ted
https://www.morningstar.com/articles/956141/sometimes-the-market-is-wrong

Gabelli Funds usually have their year end estimates published well before now, especially as some funds pay out in late November. I emailed them asking about availability of that 2019 information.
I got an immediate reply! They've been published for a while (but I sure couldn't find them).
https://gabelli.com/funds/open_divest2019