Don't like to jump around, but losing my confidence in Int'l fund managers. Hold VWILX and MGGPX. Thinking of reducing positions and adding to VTSAX, a smoother ride. These guys did weather 2020 pretty well, but are getting beat up now. Stay the course? Thoughts needed!! Thanks!

I've owned VWILX for several years.
The fund has experienced significant losses YTD (-31.11%) and over the trailing 12 months (-34.31%).
I don't have any plans to sell VWILX in the short-term.
Guess I'm a glutton for punishment!

Thanks for everyone's input! I haven't made any changes yet to my portfolio yet. Kind of wait and see for now.

I'm of the mind, the day after I sell, will be the upswing!

ya, story of my life. Or, after I buy, the thing falls hard. I'm sticking with my bets, anyhow. This is an INTERNATIONAL thread.... I'm still holding TRAMX. And giving QAT a look-see, recently. And there's a garment maker with facilities in Jordan and New Jersey: Jerash. JRSH. A penny stock, making clothing for other companies, who then attach their OWN brand names to the items.
https://www.barrons.com/market-data/stocks/jrsh?mod=searchresults_companyquotes&mod=searchbar
I've been to Jerash. Very cool, historical. (2004.)
https://en.wikipedia.org/wiki/Jerash
"the region of the Gerasenes" (Mark 5:1; Luke 8:26).
https://jerashholdings.com/

@Gary1952, in SR, the dividends have to be reinvested manually. SR does have dividend and income info and uses it in its charts, returns and other analytics.
M* Portfolio had/has auto-reinvest feature/click, so update there before uploading data to SR. Once M* Portfolio has drop-dead date, I may re-upload things from M* to SR.
SR brokerage connection feature would solve this portfolio updating issue but I don't plan to use that SR feature.

@finder, you can buy shorter-term TIPS in the secondary market. Note bid-ask (you buy at ask, sell at bid) and related real-YTM that will cut into inflation-adjustment. You may also have to call the broker to enter the TIPS order and make sure that you won't be charged any fees/commissions/markups (I checked Schwab only and it says to call for TIPS but allows online orders for other Treasuries) and that you will get close to posted ask-price (not some jacked up ask from broker inventory). If you are not careful, fees/commissions/markups on small orders can negate what you want to do - none of this hassle for buying TIPS at auctions although the next 5-yr TIPS auction is on 10/20/22; note that since I started posting on this, there have been 2 auctions for 5-yr TIPS).

Yogi,
I wonder whether there is any real advantage in buying TIPS on auction as compared to secondary market? On auction, the shortest period is 5 years. There is a chance that in one or two years inflation will be much lower, and then the advantage of TIPS for the rest of the 5 years will disappear. Meanwhile on secondary market one can buy them for about 6 months or a year, or two years. Do I understand correctly that inflation adjustment will be the same as for I-bonds? If so, why would one hesitate if one can get about 9% for a year and then invest again if inflation is still high instead of buying 5 year TIPS which will be most rewarding only at the beginning of these 5 years?
I invested to I-bonds to the max, but I have zero experience with TIPS, so most probably I am missing something trivial.
I really appreciate your efforts to educate us in this respect.

Spy Iwm qqq Bottom very close based on fundamentals
If we have a reasonable Earning seasons and Feds stick w 0.75% rates raised (maybe already priced in), maybe baby bull born...This Thursday is biggest day Apple Er and Feds decisions day....very volatile
Could be last legs down another -12% next 5 -7 trading days (or could be stagnation then slight up trends after 7-10 days tradings)
Friends say 65% that bottom maybe in (June 17 18th 2022), or 35% of another - 12% down. Some pundits even say sp500 go to 3100s levels.
Could be lots speculation
Get out your popcorn and cash/paychecks
Maybe slowly Dca in, you maybe laughing your ways to the bank if buy soon and hold for 3 yrs
Have a good wk investing

The power of compounding is huge. Let's assume 10% return per year. Investor X started investing at age 25 $1000 monthly and stopped after 10 years. Investor Y started investing 10 years later, at age 35, investing $1000 monthly for 30 years to age 65.
Who will have more at age 65?
Investor X will have a lot more money, investing just 10 years VS 30 years.

Other than small position on shorting of S&P500, what else can D&C do on the bond portion of the fund? YTD of D&C Income vs VG Total bond index, is -8.1% vs. -8.8%, respectively. Few variables they can use - credit quality and duration.
Nevertheless, YTD, D&C balanced fund is ahead of other value-oriented VG Wellington and Oakmark Equity Income, -7.7 vs. -13.7 and -12.3, respectively. Ironically, the balanced fund is slightly ahead of its Stock fund.

Stock Rover (SR) Pointers
There are several Stock Rover (SR) links for Help, FAQs, etc, so I will not try to prepare a “Guide”. Rather, as the SR site is not very user-friendly or intuitive, I will give some POINTERS for new users.
NAVIGATION is difficult. Some features/functions appear only on relevant pages/tabs. Page FRAMES can be expanded or shrunk – note up-pointing and side-pointing ARROWS; down-pointing arrows only open the MENUS.
FREE version is very limited. It allows creation of 10 (max) Portfolios and Watchlists but doesn’t allow Table-displays or any analytics. DASHBOARD will show overall summaries including portfolio value, G/L, daily changes; PORTFOLIO right-PANEL (expandable with side-arrow) shows basic portfolio details. If you want to use SR just for QUOTES and CHARTS, the FREE version may be fine.
CHARTS are not linkable but can be SAVED as images (so, this eliminates taking a screenshot). To POST them elsewhere, use copy-and-paste, site upload/attachment feature or an image hosting site link to share/post.
WATCHLISTS have tickers only, but PORTFOLIOS have tickers, quantities, purchase prices.
PORTFOLIO details and analytics are available with PREMIUM and PREMIUM PLUS. Premium has full portfolio functionality, but Premium Plus allows for larger (600 tickers vs 250 tickers) and more (60 vs 25) Portfolios and Watchlists. Premium Plus has many other advanced features. Unfortunately, Essentials doesn’t have much portfolio functionality. So, PREMIUM should be fine for serious portfolio users. https://www.stockrover.com/plans/why-go-premium/
Portfolios to be IMPORTED should have required Excel columns for tickers, quantities, costs/share. For M* Portfolio (that don’t have these 3 columns present in any tab/view), use Export from Tracking==>Gain/Loss to your PC. Insert a column for Tickers and add tickers (using another M* tab/view or from memory), then IMPORT into SR; Name/Rename (see below). SR Portfolio basically starts fresh from the import date; old transaction history at M* (or elsewhere) will be lost. Multiple Portfolios can be COMBINED.
For SR-IMPORT, Click PORTFOLIO on the left-menu, make sure that Portfolio HEADING is clicked/highlighted in the main page (down-ARROW will show full Menu), then from the Menu or the right-PANEL, choose CREATE PORTFOLIO. Entries can then be made MANUALLY, or portfolio IMPORTED from Excel (with Tickers, quantities, costs/share columns), or via CONNECTION to selected brokerages (I won't be trying that). Steps are similar for importing a WATCHLIST, but some options shown are different.
Portfolio TOOLS/Future SIMULATION can be used to conduct SYSTEMATIC WITHDRAWALS/INVESTMENT studies with various other options.
CASH row can be displayed in Portfolio Table (from Portfolio, EXPAND Portfolio panel to see the option for cash display). ADJUSTING CASH (transactional) is by click on every buy/sell. Fully SOLD positions are not deleted from the record (so that performance calculations remain accurate).
LAST-CLOSE prices are updated after next market open. This is to properly indicate price change data. (this is unusual as most want complete updates by evening, but SR notes that this would make all changes 0)
YIELDS are forward yields. FUND YIELDS include CG distributions. Most financial data are for CALENDAR years and for GAAP accounting with applicable RESTATEMENTS. DIVIDENDS are shown as cash and must be reinvested manually. However, Portfolio Analytics does dividend reinvesting internally.
Standard deviation (SD; 1-yr, 3-yr) is based on DAILY returns and then ANNUALIZED (using sqrt(252) = 15.87 or 16); multiply by 100 to show as %. The SR SD values are much higher than those from M* and Portfolio Visualizer (PV) that use monthly returns. Unfortunately, SR just uses a WEIGHTED-AVERAGE of component SDs for PORTFOLIO SD and that is an overestimation (as it ignores cross-correlations). SUMMARY VALUES in portfolio Tables are also weighted-averages (so, not good for Portfolio MPT data) except for ratios such as P/E, P/B, P/S etc for which harmonic-averages are used. Negative P/Es are replaced by blanks.
LIMITATIONS
SR system is POSITIONS-based, not TRANSACTIONS-based. INTRADAY trades are netted for the day; holding SALE prices are closing prices only (default) – so all G/L are approximations.
Prices are delayed 1-5-15 minutes. Tables and charts REFRESH manually on browser refresh but can be set to Auto-Refresh at 1-5-10 minutes (OFF by default) in Preferences for Premium and Premium Plus.
LINK

@Crash,
My information source is the DODBX Fund Report published by M* on 06/16/2022.
A new balanced fund committee took over management of DODBX in May 2022.
This committee began as a working group following the fund's steep losses during the 2020 bear market.
In 2021, DODBX no longer had to fully mimic the stock/bond sleeves of DODGX and DODIX respectively.
International stocks are now included to further diversify the portfolio.
Other changes include allowing a small S&P 500 short position for protection against market selloffs
and selling covered-calls on stocks that are perceived to be at/near full value.
"The increased focus on managing risk is a welcome improvement, but a longer track record
of execution would increase our confidence that the changes will lead to a smoother ride going forward."

at the expense of maximizing shareholder returns in the Sub-Adviser’s assessment.
Taking action to mitigate factors that impair a company's ability to recruit the best employees is not social activism; it's just good business practice. Failing to do so comes at the expense of maximizing shareholder returns. Especially as it impairs not only ability to recruit but the ability to retain employees as well.

Corporate America is increasingly being drawn from the political sidelines on the abortion issue in response to pressure from investors, customers and employees. Companies are also struggling to attract and retain talent and worry about the impact these states' anti-abortion laws could have on their workers.

https://www.cnn.com/2022/05/03/business/amazon-abortion-costs/index.html
Some ambitious lawyers may come along and challenge the "proprietary research system" (from prospectus) that concludes that such actions reduce profits.

Does investor.morningstar.com still has "chart"?

I don't see it, can't find it--- apart from their pre-formed 10-year performance chart.
https://investor.morningstar.com/quotes/0P00002RQ4
...Nor can I find it, looking at their snapshot presentation for single-stocks.
https://investor.morningstar.com/quotes/0P000000PV

Multiple managers departed from WWIAX in 2019 before Adrian Helfert took the helm.
Four others joined the fund team with or after Mr. Helfert.
The fund's three year returns are ok with a 37% fund category ranking.
The downside capture ratio of 89.61% and the standard deviation of 11.58% were
higher than the corresponding category averages of 76.48% and 9.58% respectively.
WWIAX sports a high expense ratio of 1.09%.
Surely, Barron's could have chosen a better allocation fund to profile.

That is correct.
HDV had 17% of its assets in energy as of July 15.

https://www.bloomberg.com/news/articles/2022-07-22/powell-seen-slowing-fed-s-hikes-after-75-basis-points-next-week
How will market play out, any thoughts or everything priced in?

There are several fund stories in Barron's this weekend.
https://www.barrons.com/magazine?mod=BOL_TOPNAV
https://ybbpersonalfinance.proboards.com/thread/317/barron-july-25-2022-2
FUNDS. Recommended are I-Bonds (9.62%; limit $10K/yr/TD account), individual TIPS (at Treasury Direct or brokerages), TIPS funds (short-term – TRBFX, STIP, VTIP; IT/LT – SCHP, VIPSX, TIP). Beware of confusing reporting of 30-day SEC yields for TIPS funds (some simply add current CPI to real 30-day SEC yield).
FUNDS. Co-manager and Westwood CIO Adrian HELFERT of allocation/flexible-income WWIAX (30-50% equities; ER 1.09%) looks for companies with dividends, cash flows, durable competitive advantages, and strong managements. He increased exposure to energy and real estate. Fund does some call-writing. In fixed income, he has reduced duration and watches for default risks (debt/EBITDA, etc). He expects the Fed to flip at some point. Westwood recently acquired the multi-asset fund business of Salient Partners.
FUNDS (online only). STABLE-VALUE (SV) funds within 401k/403b are complex products under insurance company or bank contracts. With high market volatility and rising rates, SVs have become very popular and record 85% of 401k/403b inflows in May went into SVs (that looks strange). But there are risks (lack of transparency; insurance company strength) and plan restrictions (equity-wash rules; flexible to limited redemptions). There was a recent lawsuit against AutoZone/AZO 401k-SV from Prudential/PRU (PRU recently dumped its retirement business including SVs on Empire).
FUNDS. Sammy SIMNEGAR of LC-growth FMAGX and international LC-growth FIVFX (unusual for a manager to run 2 major Fido funds) has soured on big techs (but likes other techs). He thinks that the Fed will be on tightening course until it achieves its +2% inflation target. To prepare for economic slowdown, he is avoiding housing (but owns selected REITs) and low-end retail stocks. He has reduced China exposure; he doesn’t take China-Taiwan risk seriously and owns TSM.
ETFs. Big DIVIDEND ETFs got bigger – SCHD, VYM, HDV, JEPI, SPYD, DVY, DGRO, RDVY, VIG, SDY, NOBL, DHS (listed by $inflows). Most had low exposure to energy except HDV and DHS.

When Innovator launched the first defined outcome or “buffered” ETFs in August of 2018, I will admit I was a bit skeptical. Historically, ETFs that mirrored the kinds of outcomes long the province of structured products hadn’t been very successful at gathering assets. But I was hopeful: I believed then, and I believe now, that ETFs that shape the pattern of returns available in the risk markets are incredibly useful tools.
With over $4 billion in assets (half of that coming just this year), I think it’s safe to say my skepticism was unnecessary, and my enthusiasm rewarded. But with over 50 buffered ETFs available in the market now, we thought it would be useful to put together a guide to how the products work, how you might use them, and what’s available.

https://etftrends.com/buffered-etfs-a-comprehensive-guide/
Also,
Mentioned in this weeks Wealthtrack episode:
Linked Here

Soon-to-be retirees and retirees are the most vulnerable in this new era of higher inflation, interest rates, volatile markets, and possible recession. What kinds of adjustments should they be making in their financial plans, investments, and even lifestyles?
That demographic is one of the specialties of this week’s guest, an award-winning financial planner. He is Mark Cortazzo, Senior Vice President and Financial Advisor with the Wealth Enhancement Group, an independent financial planning firm.

It is interest to read about BlueRock funds since private assets are not so readily accessible for small investors. This is an internal fund and has rather limited to advisors. Seem to me that is more suitable for institutional investors including college endowment and pension plans.
@JD_co is correct that you can purchase the fund directly from BlueRock if you choose to do so.
In addition to the management fee (1.5%), there are several other fees that amount to about 1.8-2.5%. A and L shares carry 4.25 and 5.75% front-end load, respectively, and they are likely to be use via an advisor.