The staying power of Covid-19 will impact the investing landscape until a vaccine is widely available.

Chinese scientists say the novel coronavirus will not be eradicated, adding to a growing consensus around the world that the pathogen will likely return in waves like the flu.
It’s unlikely the new virus will disappear the way its close cousin SARS did 17 years ago, as it infects some people without causing obvious symptoms like fever. This group of so-called asymptomatic carriers makes it hard to fully contain transmission as they can spread the virus undetected, a group of Chinese viral and medical researchers told reporters in Beijing at a briefing Monday.

https://time.com/5828325/coronavirus-covid19-seasonal-asymptomatic-carriers/

update:
https://www.sec.gov/Archives/edgar/data/101507/000143510920000104/usgi_497e.htm
497 1 usgi_497e.htm
U.S. GLOBAL INVESTORS FUNDS
Holmes Macro Trends Fund (the “Fund”)
Investor Class Shares
Supplement dated April 28, 2020, to the Prospectus dated May 1, 2019, as supplemented
IMPORTANT NOTICE REGARDING THE FUND’S NAME, INVESTMENT STRATEGIES AND PRIMARY BENCHMARK INDEX
At the March 27, 2020 meeting of the Board of Trustees (the “Board”) of U.S. Global Investors Funds, the Board approved, at the recommendation of U.S. Global Investors, Inc., the investment adviser to the Fund (“Adviser”), changes to the Fund’s name, investment strategies, and primary benchmark index, in order to highlight a focus on luxury goods-related investments.
These changes, which were summarized in a supplement to the Fund’s prospectus dated March 31, 2020, and which were expected to become effective on May 1, 2020, have been postponed pending the resolution of regulatory considerations, and will not be implemented until further notice is made to shareholders.
* * *
For more information, please contact a Fund customer service representative toll free at
1-800-873-8637.
PLEASE RETAIN FOR FUTURE REFERENCE.

Thanks for posting, @ET91.

Good morning. As I write, stocks are set to add to Monday's gains as the futures are up across the board both here in the States and abroad. As stocks have moved upward the VIX has been in decline and now resides in the low to mid 30's. In addition, Treasury yields now seem to be slowly rising. I'm thinking to support this upward move, in the stock market, earnings are going to have to be reflected in the $150 (or better) range for the S&P 500 Index to trade and hold the 3,000+ range mark. The Index has now regained more lost ground and it is well above of where I thought we would currently now be ... and ... on through most of the summer.

Dear msf, thank you for the clarification. I misinterpreted one part of my 2019 Fidelity Combined 1099 as a contribution from the credit card. My mistake, good to know! Sorry Fidelity, I love you even more now!

@FD1000 Thanks for providing a current reading based on the charts. I only loosely follow them but have also noticed that VIX has been in general trending down for over a month.

Yes, VIX at 33 is a good sign of down volatility from a crazy level of 80 and above 40 that we had for several weeks.

If you've got $100K in cash, Merrill provides access to some institutional funds. Even these are pretty anemic, struggling to get up to 1/4%, unless you're willing to try one of the floating NAV money market funds created specifically for institutions. They'll get you all the way up to about 2/3%.
If all you've got is $5,000 for a MMF, they'll sell you a fixed $1.00 NAV fund (BPTXX) paying a nice round number, zero exactly! And that's for a non-sweep fund.
Here's the rate sheet: https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf

@carew388. I'm invested in RPGAX (for my MIL) and GAOAX as well. Not in SGENX but in FEBAX. I'm sticking with all of the above. MDLOX is available in my 401k. I used to be in it but unless I'm mistaken, the manager left and for me its almost automatic rule to change fund if that happens.
CTFAX looks interesting.

@rforno - Yeah. I can now proudly said it's called the Vertical Put Credit Spread. I feel so smart :-)
Seriously though, after what happened to bond, bond-like, "income" funds in the last couple of months I would rather take my own risk with money I would normally not invest. If MM funds offered something in return I would never have tried this. Few months back you could have gotten 2%. Now you can get 1.5% going to zero at Marcus, for instance. At brokerages though MM funds are not FDIC insured and after looking at how much Schwab Money Market yielded in March, I've absolutely had it.
The key is to stop being greedy and remind yourself you are not investing, and to simply take the money and run every chance you get. So far I've done well. Made another $400 odd since I started this thread. I just dunno if I can do it with larger amounts of cash and worried a bit if I mess up, so still researching a few things.
Lastly, wanted to add Vanguard sucks at options trading. Will likely ditch it for cash and go to Schwab or Fido.

PRIJX is emerging market and not a broad international MF - fyi

Thanks to msf. I haven't tried it but it looks like what I am looking for.
Register For The Site
https://www3.troweprice.com/aaweb1/accountAccess/publicBenefitsOfRegistration.do

@FD1000 Thanks for providing a current reading based on the charts. I only loosely follow them but have also noticed that VIX has been in general trending down for over a month.

Looking at the charts.
QQQ signaled a buy based on the MACD at the end of March. QQQ passed the 200 days MA in the second week of April, then passed the 50 days MA, then test the 50 days MA again and now is up and running with a clear buy.
The SP500 is still struggling, The MACD signaled a buy at the end of March, the price passed the 50 days MA twice but still is not above the 200 days MA.
It's not a secret that unemployment will hit at least 15-20% and the economy right now is in bad shape but the stock market is looking 6-12 months ahead. The assumption is that most states will open their businesses in the next 1-3 months and the economy will get better. It would still take 1-2 years to get to normal. The fiscal and monetary policies were a success so far. If the Coronavirus will come back it's going to be ugly.
The SP500 and QQQ are capitalization-weighted indexes. This means that the biggest companies matter much more than the smaller ones. There are many companies in bad shape but several of the top ones are doing just fine and why the indexes are doing better. QQQ is mostly high tech where you see it even more.
The healthcare(XLV) sector is doing great too and the (chart) looks better than QQQ or XLK.
Is the above a guarantee? of course not. I'm skeptical like many of you but the charts are based on actual prices that traders were willing to pay.

Thanks to msf. I haven't tried it but it looks like what I am looking for.
Register For The Site
https://www3.troweprice.com/aaweb1/accountAccess/publicBenefitsOfRegistration.do

PRIJX got some attention here a few of years back, when it was known as EM Value. It did great things in 2016-17 and then it didn't. TR for last three years is -3.67% and YTD -27.9%. Ouch!

Hi Guys,
Most times a simple plan will generate superior outcomes over a more complex plan.
Many examples exist, especially from. WWII. A famous example comes from the sinking of the Bismarck super battleship. Remember it was described as the biggest ship with the biggest guns. It was initially crippled by a torpedo that was dropped by an old, outdated twin winged, slow speed aircraft with an open cockpit. Time had made these airplanes obsolete, well almost obsolete. But war demands immediate action and that plane was what was available.
During the attack this plane evaded all the battleships elaborate and sophisticated air defenses and delivered the crippling blow. The problem was that the battleship guns were designed to aim and fire at modern airplanes with the lowest speed of 120 MPH. But this old airplane only flew at 88 MPH so it evaded all shots at it. Modern technology never scored a hit and was defeated. So was the famous battleship.
Here is a Link that shows the plane: https://www.warhistoryonline.com/instant-articles/the-fairey-swordfish.html
Sometimes, old technology that has survived the cruel test of time is superior to newer technology with all its tempting enhancements. Mostly that’s good progress until time, once again, provides a challenging test with an unexpected twist. History never completely repeats itself. Small differences matter. That lesson is especially true when making investment decisions. If it were easy, everyone would be a billionaire.
Best Regards

Global stocks gain as investors look to lockdown easing.
https://www.reuters.com/article/us-global-markets/shares-gain-as-investors-look-to-lockdown-easing-idUSKCN22900Z?feedType=RSS&feedName=businessNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed:+reuters/businessNews+(Business+News)
U.S. stock index futures gained late Sunday, ahead of earnings reports this week from some of America's biggest companies.
http://www.marketwatch.com/story/us-stock-futures-retreat-ahead-of-big-earnings-week-2020-04-26
Looks like it's going to be a good stock day in the markets today as stock futures are up across the board both here and abroad. Let's also see if high yield bonds move upward with their stock cousins. I'm beleiving they will. This indeed could turn into a strong up day (and week) for some investors especially if the shorts start to cover. As I write the VIX is in the mid 30's. If today is a strong rally day for stocks I look for the VIX to continue its decline. On March 20th I recordered the VIX with a reading of 62 with the S&P 500 Index at a valuation of 2305. Friday, I recorded the VIX with a reading of 37 with the S&P 500 Index at a valuation of 2837. As the VIX moves lower stocks trend to move higher. Should we have a strong up week in the stock market (say a 5% gain) then this will put the S&P 500 Index just below the 3,000 mark at 2980 range. For this to happen earnings, for the S&P 500 Index, will need to get marked to the $150.00 range. And, this could indeed happen. As President Trump says ... "We'll see!"
The Futures are linked below.
https://finviz.com/futures.ashx

I checked a few - YTD
FFRHX -9.97% (rates aren’t rising)
VWEHX -7.77% High yield
CIOZX -11.27%
NEFZX -11.22% ( listed as multi sector, someone didn’t get the memo)
Multi sector funds
FADMX -6.1%
PONAX -6.37%
NSTLX -6.46%

If you believe in the benefits of diversification, PSILX is a fine choice. It has low expenses for an international fund, above average returns and exposure to almost all segments of foreign markets.

Good risk/reward profile, there on PSILX. Look at the 10-year: Avg/High.

T Rowe use to have some tools I used, such as portfolio analysis with a Stock Overlap feature. Do they still have that?
I have tried logging on but they do not recognize me nor can I find a way to create a new account. I have some T Rowe funds but thru Fidelity.

They still provide some Morningstar tools. Since I have an account I'm not going to attempt to reregister, but it looks like this page might be what you're looking for:
Register For The Site
https://www3.troweprice.com/aaweb1/accountAccess/publicBenefitsOfRegistration.do