Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
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davidrmoran
I myself see a big pullback coming in the next six months but I don’t know that I have ever been correct over 45 years. I will put a lot of money in if a 10% pullback comes. I expect you r being prudent depending on how old you are. The thing is, if you’re young, you might as well stick it out and not try to time. He said.
Right, nominal pensions as from jobs and the like.
Not the SS field.
If I am getting your point (sorry if not).
Otherwise, maybe send 'em email; they shd know.
You can get a sense of how big a hit you may undergo (including state info; just sub in your own in the url) at
https://smartasset.com/retirement/massachusetts-retirement-taxes
FAGIX shows real nice work since Notkin took over, in summer '03. You could make a really strong and fine case for active management and broadish diversification from having been a third in it, FCNTX, and FLPSX the last 13y. Forget balanced funds, m…
If she is truly well-set, as it sounds, and being not that old, I might advocate more aggressive (higher proportion in stocks) than has been advised at the front.
For example, half in Total, half in Wellington, call it a day.
Go to Kitces (whom msf and others have noted) or Thomas (Fairmark) for smarter and clearer advice in this area. Kotlikoff has useful information and calcs but tends to the cynical and alarmist, quite aside from his presidential run, and Solman's gli…
Yeah, one of the many things I like about Fido FullView (and there are others, e.g. ML) is that it shows total 1y portfolio performance, period, and while I am not positive it is accurate in all respects, it includes anything you tell it to, includi…
>> Some ETFs, notably leveraged, inverse, and commodities, are derivative-based,
With half our nut in DSEEX (thanks to you) I am becoming a student (rank amateur) of these intricacies.
Interesting even while trivial. Exact M* update timing may be problematic for totals and endpoints even involving recent-past data. If I were editorial director I would probably advise a small disclaimer or qualifier near the graph of 10k growth. As…
I am interested only in the accuracy of the M* 10k growth chart. (For anything.)
When we put in your ytd start of 1/4, the latest total shown for VFIAX is that I gained $404 and change, while the latest total shown for VOO shows a gain of $381 and c…
As a tech writer I do not know how I can say it any more exactly.
Go to M*, enter FUSEX in Quote, go down to Growth of 10k, click More..., eliminate Large Blend leaving FUSEX, also del S&P 500 TR USD for this example, click any period you like…
>> if one looks at market return (what an actual investor would get) as opposed to NAV return,
What I posted was M* growth of $10k. Presumably what an actual investor would get investing $10k at the start date and going to the market close …
>> why not just use indexes themselves ... ?
A liking for actual investor return based on plausible behavior, rather than theory, that's all. (For when someone says 'stocks have been flat' blah blah.) Not picking a fight with you of all peop…
I cited M* for S&P 500 TR from 12/31/14 close (aka New Year's Day, 2015) to 6/29/15 as 2.79%. Agreed it's not nothing, but it's not 3.73% either.
Since SPY is a unit investment trust that can only reinvest dividends quarterly, it suffers from…
Huh? $10k into SPY New Year's day of last year is now worth $373 more as of close yesterday, more as of close today, looks like. Not much, sure, but not nothing.
Stunt is a nice way of putting it.
Sure, totally self-inflicted.
http://www.newyorker.com/humor/borowitz-report/british-lose-right-to-claim-that-americans-are-dumber
>> Old to go and young to stay. College-educated to stay and those not to go. [rono]
>> a meme by the stay side - it was to say if you are old and stupid you will vote to leave.
meme or not, actual polling data before and after the v…
Puddn,
In retirement I am a big believer in serious simplifying and in true diversification. Nothing wrong with leaving as is. But if you backtest and compare 2/3/5/7/10y, and more, you may see that your diversification spirit has not really added …
Nice, but for me, too many, too equity-light and too much high-level overlap.
Also since you're such good shape, maybe go for a little more risk?
So ... if someone gave me this for myself, while keeping your goals partly in mind, I would (and this …
What Press and Crash said.
This is wise, albeit late (K.Rogoff):
http://www.bostonglobe.com/opinion/2016/06/24/britain-democratic-failure/Mx888Cle7t6OUyuWyX8n2M/story.html
Oh, I don't know. While fretting dips above all often seems a fool's errand, if you seek active management that explicitly pays attention to such (TWEIX, PRBLX, some others), the ride is less bumpy. Different allocation balance of course is preferab…
Well, especially when the information dissemination is so poorly (half-assedly) done and the idiot media prevail:
http://www.theguardian.com/media/2016/jun/24/mail-sun-uk-brexit-newspapers
>> Your such a breath of fresh air, and a ray of sunshine, I don't know how
MFO can get along without you !
I know! Thanks!
And I am glad MJG filled us in again on multivariate possibilities and outcomes!
Another duh, entirely obvious article: 'entirely to be expected', 'there isn't a right answer', 'investors and advisers should use them as a guide rather than take them at face value.' etc. Jeez louise. MJG can remind us again what monte carlo means.
Ain't got new Fido card yet, nor new Costco card; setting aside an afternoon to be online switching all autopay accounts from old Fido Amex. Next week, looks like.
