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.
I think my post disappeared.
Bloomberg odd lots interviewed head of Citrini research last week.
https://podcasts.apple.com/us/podcast/odd-lots/id1056200096?i=1000752069279
Services prices primarily drove the increase, with a 0.8% monthly rise that was the highest since July 2025. By contrast, goods prices actually fell 0.3%, though core goods prices climbed 0.7%.
So if you don’t need overpriced services and rely on a…
Block (XYZ) payments company CEO Dorsey said he would lay off nearly half of its staff as part of a major bet in artificial intelligence. Thats almost 4,000 jobs.
C3.ai slashes 300 jobs.
When are Amazon and Nvidia CEOs going to admit that AI wil…
A free link by msn
https://www.msn.com/en-us/money/markets/a-yale-professor-s-investment-formula-says-you-need-more-stocks-see-how-it-works/ar-AA1WGqU2?ocid=BingNewsSerp
Gemini results
Here is the summary of three portfolios compared to the S&P 500 (Total Return) over the last 10 and 20 years.
Summary Comparison of All Mixes vs. S&P 500
| Portfolio | 10-Year Return | 20-Year Return | Max Drawdown (20Y) |
|…
If you ask the FDA these research questions, you could end up with this answer:
Why do you want to know? The DOW is almost 50K.
We liberated 2,600 FDA positions, so no one left to answer science questions.
Very few companies will list tariff surcharges on their website. A few do add them on cart before checkout, like Ubiquity, that makes networking and security cameras.
Commercial Distributors (e.g., Graybar, WWT): These firms often include surchar…
On paper, the economy is growing at a "gangbusters" rate of 4.3%, yet the majority of people feel like they are standing on a sinking ship. 40 years of “tuning” CPI will do that. It turns out you can only "hedonically adjust" a person’s reality so …
WSJ forced to admit they were wrong when they said no impact from tariffs on retail prices. Home Depot and Walmart were warned by the President not to raise prices and they obliged but were only able to do so by refusing to increase hiring or fill v…
Former Wall Street darling Charlie Javice conned
JPMorgan Chase, who acquired Frank in September 2021 for $175 million, believing the platform served more than 4 million students across 6,000 higher education institutions. However, prosecutors pro…
Was it 99 red balloons?
A U.S. official confirmed to Fox News that the U.S. military earlier this week shot down what was later determined to be a party balloon near El Paso, Texas, after initially assessing it as a possible foreign drone.
The mi…
Bloomberg has a story about the crash -
“How Chinese speculators set the stage for gold and silver crash”.
https://finance.yahoo.com/news/chinese-speculators-set-stage-gold-120029836.html
So glad my 2 Costco’s were out of gold and silver this week. Checked Friday night and they had gold at 8% premium over spot and silver at 29% premium over spot.
Usually Costco has 2% premium on gold and 7-10% on silver. Supposedly Costco doesn’t u…
From Gemini (nor clear with Morningstar legal definitions)
The load-adjusted returns are not the default display on the main Morningstar site. Morningstar publishes load-adjusted returns in specific premium data points and reports, which are often …
Started trading USFE - First Eagle US Equity ETF
FEMD - First Eagle Mid Cap Equity
I have owned from First Eagle SGIIX for years and FEGE when it started trading.
High quality managers.
Thanks for sharing.
Observant1,
Good link on the international cycles. If you only look at 5,10,15 year returns, then you would invest 0% in international markets. Same for precious metals.
Peter Lynch’s Magellan returned 29% from 1977-1990, double the 15% for SP500.
However, the average investor in Magellan returned only 7% while the fund returned 29%. This is frequently cited by Morningstar and was discussed by Lynch himself in h…
Good time to check a house with subzero temperatures though. Easy to check if windows and roof are holding up. Good insulation wasn’t installed until 1970’s, so older homes need updating.
Windchill hit 40 degrees the other night, had to crank the…
Job market for new grads at top schools such as Stanford and Harvard is not great. Offer at graduation rates have likely fallen from ten year average of 75–80% to current ~55–65%. For schools outside top 20 schools you can be sure offer at graduat…
Low inflation if you this meal plan for month:
25 bags of rice and kidney beans at Costco are down about 1-2% from last year for about $65.
Add in 10 pounds of cabbage for $8. Add in some carrots and onion for $10. Oil, salt, spices, multivitamin…
Morningstar has a list of The Best Balanced Funds and ETFs - Jan 2026
Gold
T. Rowe Price Capital Appreciation TRAIX
American Funds Moderate Growth & Income RBAFX
T. Rowe Price Balanced RBAIX
Vanguard Wellington VWELX
Silver
T. Rowe Price S…
Msf,
Joel and Theo have been managing VPMCX for 37-40 years with 13.7% return, about 2% over index. For a $75B fund that’s acceptable.
VGHCX has returned 15% since 1984, but that was mostly due to Ed Owen’s performance that was 16.4% vs 10.7% for…
Appreciate the comment. But you did omit the article's last sentence which read "For those not inclined to devote the time and energy attempting to uncover strategies that fit this description, indexing beckons."
fwiw.
Thanks again for consider…
“Instead, investors would be better served focusing on the attributes that our research has found are more closely associated with long-term success—the prudence of a fund’s strategy; the depth, breadth, and continuity of its investment team; the in…
Will this be in next week’s headline?
“Sen. Tillis is being investigated for allegedly not paying $200 in payroll taxes for babysitter in 1990.”
Note: If you never filed the return (which is the case if one didn't file the payroll tax forms in 19…
Powell should have hired trades people from Craigs List. I hired cousin Eddie and saved 35%. I mean the slope was 2% sloped into house instead of 3% away. That’s not a big deal is it?
The Federal Reserve Buildings aren’t historically protected b…
As noted, DepositAccounts is a good resource for local banking info.
https://www.depositaccounts.com/banks/rates-map/
Also be on the lookout for unusual terms, 11 month, 17 month, etc. FDIC watches banks that routinely appear on the top CD rate lis…
Gemini AI answer seems logical
Banks like United Fidelity often set their rates intentionally to be #1 on comparison sites (like Bankrate, WalletHub, or NerdWallet).
The Logic: In the digital age, being the 5th best bank gets you very little atten…
Big gotcha from all banks:
You have a 10-day grace period following your CD’s maturity to submit the form and make any changes. If no action is taken within that window, your CD will renew automatically for the same term on its maturity date, and t…
Haha. No it was a 2001 Honda Accord, the more I think about it. So was the early 2000's actually. Probably, it still running somewhere!
If it ended up in a buy here pay here lot, someone is still making payments on it!
