Just noticed - it’s at 4.366% as of 9 AM today. That’s down from over 4.5% last week. Was off sharply yesterday. Don’t pay a lot of attention to bond funds. My two “bond” holdings, PRIHX and LSST both gravitate to the short end of the curve. It hasn’t escaped me that PRWCX has suffered this year due to its bond holdings, as have virtually any other funds with exposure.
Mainly posted FYI

More kudos for that article. I'm at 15%, half of it indexed, because "that's what the experts say." (Actually, some of them suggest much more than that but thank goodness I didn't go there.) Still rue the opportunities to get into ARTKX that I skipped over ("too expensive, it'll revert to the mean"). Live and learn, and I think this article has added to my learning.

529 Rollovers into Roth IRA & State Incentive Clawbacks
Check your State 529 rules if these rollover withdrawals would be qualified (good) or nonqualified (bad) & whether state clawbacks would apply. IL 529 just changed rules to make them qualified withdrawals. If this change is pending in your State, waiting a few months may save you lot of headaches and money.

Reported by Bloomberg Media today …
”The latest GameStop Corp. frenzy has coaxed a big critic of the meme-stock craze - and a notable loser back in 2021 - off the sidelines with a new short position. Andrew Left, the founder of Citron Research, placed a new bet against the video-game retailer whose stock price soared as much as 75% (GME) Monday after Keith Gill, an investor and meme stock influencer who goes by DeepF--ing Value on Reddit, showed a stake of five million GameStop shares.”

For now, I just use my Schwab Money Market account, that pays over 5%

Here we go again....

This doesn't apply to DFV, but anytime I hear someone use the word 'stonk' in the context of investing (or participates in similarly-named forums) automatically gets ignored in my mind as clueless pikers because they're just so taken by tech-bro pop-culture memes and think they're just. so. awesome. and are likely operating from a herd mentality vs any semblance of serious due diligence.

Some forget that "Roughly 40% of S&P 500 revenues are generated outside of the U.S., and about 58% of Information Technology company sales were sourced from abroad".
See (www.globalxetfs.com/sector-views-sp-500-sensitivity-to-global-factors/).
Since 2010, I don't have any foreign exposure.

Since 06/01/2009, FSELX trounced VFIAX and QQQ.
https://schrts.co/JiAcEVac
Portfolio Backtester

Duration for PRWCX is 3.89. Is that working out for any kind of bond holdings this year?

I know a few, some in this forum, that do not have access to PRWCX but like the manager and have tried to create their own PRWCX by pairing TCAF with PYLD. PYLD has returned 2% so far this year. M* shows PIMIX with Duration 3.55 and nearly 2% TR. I own leveraged PAXS with similar Duration which made far in excess PRWCX YTD TR but that is probably a wrong comparison to PRWCX bond sleeve.
Bond fund investors here can get you other 3.5-4 Duration funds with 2+% YTD TR.

I suppose that's better than nothing while we wait for Godot rates to drop. :)
However, M* is showing PYLD with a YTD return of 1.48. And it's about half derivatives, which do not inspire me with confidence.
You did get me to look at some other funds with longer durations. If I had been smart enough to buy FATRX on January 1, I'ld be up 2.53. Since I bought it, only the dividends are keeping my principal intact, so far.

Duration for PRWCX is 3.89. Is that working out for any kind of bond holdings this year?

I know a few, some in this forum, that do not have access to PRWCX but like the manager and have tried to create their own PRWCX by pairing TCAF with PYLD. PYLD has returned 2% 1.48% so far this year. M* shows PIMIX with Duration 3.55 and nearly the same TR. I own leveraged PAXS with similar Duration which made far in excess PRWCX YTD TR but that is probably a wrong comparison to PRWCX bond sleeve.
Bond fund investors here can get you other 3.5-4 Duration funds with 2+% YTD TR.

”Let's ask the obvious easy question: if you held just the SP500 for your stock portion (based on Bogle+Buffet) have you done well YTD + in the last 3-5-10-15 years?”

The S&P 500 lost approximately

56.8% of its value between October 2007 and March 2009, according to the historical performance data. This significant decline was a result of the 2008 financial crisis and the Great Recession. (Credit: Brave Search AI summarizer)
Hey big guy - Every dollar you held in your S&P 500 index fund in October 2007 was worth 43 cents 16 months later. Sound like fun?

And...how much did the SP500 ended at after 15 years = 6/1/2008?
418% which includes the 50% loss that happened as you noted above, but wait, since 2010 I have been posting why you should invest in US LC tilting growth, SPY has been an easy choice but you could also invest some in QQQ. If you invested in QQQ you ended at 934% (https://schrts.co/zTCFZQSB)

”Let's ask the obvious easy question: if you held just the SP500 for your stock portion (based on Bogle+Buffet) have you done well YTD + in the last 3-5-10-15 years?”

The S&P 500 lost approximately 56.8% of its value between October 2007 and March 2009, according to the historical performance data. This significant decline was a result of the 2008 financial crisis and the Great Recession. (Credit: Brave Search AI summarizer)
Hey big guy - Every dollar you held in your S&P 500 index fund in October 2007 was worth 43 cents 16 months later. Sound like fun?

Based on (https://stockcharts.com/freecharts/sectorsummary.html) ...
Everything was up, but technology lagged, the less you own tech, the better your portfolio made for one day.
Rates were down = most bond funds made money.
Let's ask the obvious easy question: if you held just the SP500 for your stock portion (based on Bogle+Buffet) have you done well YTD + in the last 3-5-10-15 years?

A quick update -
YTD, 4.9% for PRWCX vs 10.17% for TCAF
PRWCX has 63% in equities as of 4/30. If one put 63% in TCAF and bought very safe bonds / bills (or even MM type) with the remaining 37%, one's YTD return would be around 7.4%. Nearly 50% higher than what PRWCX gave. What is up with that?
Is the contribution from the PRWCX bond sleeve negative or its equity sleeve with legacy holdings just was not nimble? Is he overly concerned about the potential tax effects of changes to the equity sleeve? I see some equity holdings differences between the funds but figured no point speculating about the future.
PRWCX had inflows every month YTD, including in May. So, the affection for this closed fund has not waned and more than made up for withdrawals this month from @catch22 ! I reallocated 20+% of my PRWCX position, though not as profitably as Catch.
FWIW, both CBALX and FBALX match (+/-) the presumed 7.4% mentioned above.

The 3/25/24 reverse-split problem for BERZ & FNGD noted above has been fixed. Thanks whoever! We still don't know anything about the company or the developer.

I clicked the Buy Me a Coffee button on the homepage and noticed user PeterKwok wrote this ~21 hrs. ago:
"amazingly useful alternative to PV, you deserve a tip.
by the way please fix the BERZ and FNGD data corrupt problem, ticket sent."

I am sort of going the other way. As my CDs mature, I am redeeming them. The last one will mature in about 2 months. Putting the cash in our MM fund for right now. It is paying a fraction over 5.25%, but plan to later go with a I-T Bond Fund.
I do like CDs, but always having to search for the best rate to reinvest as they mature is something my wife would not want to do when I am gone. No, that is not true, it is something she would not do, so I'm going with I-T Bonds with the dividends reinvested.
I am 86, she 85, so we don't think in long terms any more.

hondo, I wish you nothing but the best, and you know what is best for you and your wife.
A big part of my decision to use CDs, besides their attractive yields recently, is my wife understands CDs. We use to invest in CDs extensively about 20 years ago, but then the market crashed, banks started closing, and CD rates started dropping like a rock. During that period, my wife became the elderly caretaker of her mother, and worked closely with me to select CDs paying in the 5% range--they were all over the place at local banks and she use to go with me to various banks to buy a CD. My wife fully understands the basics of Bank CDs, interest rates, redemption fees, reinvesting dividends or capturing dividends, etc.
When CDs started to resurface as a viable investing option about 2 years ago, she and I discussed what we should do with our Schwab Brokerage Accounts (her IRA, my IRA, and a Joint Taxable Account). We had cashed out of the market, and had investing options to talk about. She was very excited about the option of using the CDs available at Schwab, and she has learned the differences between a Bank CD and a Brokerage CD. Because of my wife's understanding of CDs, her comfort with CDs, and my desire to feel good about my wife knowing how to work with the Schwab Brokerage office close to where we live, I continue to such all of the returns out of CDs, as long as I can. My wife and I talk about every CD I purchase and for the first time in many many years, my wife is involved again in our investing decisions--that is of huge importance to me!

@Chinfist Did you read my mind ? I didn't get around to looking at each of the funds that make-up QDSNX. Thanks for doing the leg work. Will you keep us inform as you go forth with your combo. How is the ER going to work out going with the three of your choice ?

@derf just getting back to you for an update on my fund combination. I bought the 3 funds on Monday, April 8th (priced at the end of that trading day). Comparisons since bought:
QDSNX: up 1.12%
My 3 fund combination: up 2.74%
S&P 500 (using FXAIX): up 1.65%
So far it is working out.

The 3/25/24 reverse-split problem for BERZ & FNGD noted above has been fixed. Thanks whoever! We still don't know anything about the company or the developer.

Just a minor data point but I've been following YTD returns for these and so far they have been GQETX (+10.37%), SPY (+10.95%) and QLTY (+11.23%). All returns come from M*. It'll be interesting to see how these data unfold over a longer period.