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.
Hi @hank et al
Other generations of adults have their own discoveries and life experiences; as well as their parents.
Within our neighborhood (mostly middle class) finds a range of problems, of which; some are results of a changing economy/and in…
@WABAC I really should get off my arse and set a proper account for PV. I wish there was a 'chat' for Sherman and Mr. Peabody; as I'm sure they could provide an answer. :)
I'm going to have to look around PV for some definitions.
10 minutes of 'must watch' video from Lawrence O'Donnell, last night on his MSNBC program; regarding the stupid rich people. Seriously, this needs to be watched, understood and passed along. The LINK CC will have to be selected for hearing impaired.…
@WABAC and @yogibearbull
Too early in the day for me, I do think. The 2 holdings (50/50) portfolio indicates a 31.9% annualized return! Is this number generated as such from the $6,500 annual contribution setting?; which would equate a Roth contribu…
Hi @AndyJ et al
If you're not familiar with the movie, check/view the movie 'Matewan'.
Matewan movie 1920's W. Virginia. Coal miners vs the owners. A very good depiction of these troubling times. About 2 hours and one may select the 'CC' in the l…
I'll step aside from previous years equity markets performance during September and October for whatever reasons; and note that the next 2 full months will remain a full political battle for the future of this country, that the middle east is still …
Hi@Anna
Yes, INDEED !!! 8,760 hours, one after the other.....
Our house is completely and fully acknowledged that we are where we should be with financial comfort; from becoming informed investors and students of sound monetary practices starting in…
Hi@Tarwheel
A good and fair question.
The inclination to use the etf's, in the list, for bond fund performance, is the sector types represented, as well as their duration.
Surely not a 'perfect' list, but allows for those viewing to perhaps have s…
A slightly different view, FWIW. The first number data after the 'name' is the percentage of, within the total holdings. I.E. .43% for the first Vanguard listing. Page data from M* for the top twenty.
NT Ext Eq Mkt Indx Fd DC Lending Tier 5 Not Ra…
NOTE: My intention, at this time; is to present the data for the select bond sectors, as listed; through the end of the year (2024). This 'end date' will take us through the U.S. elections period, pending actions/legislation dependent upon the elect…
AND MaxFi and an everything you'd ever want to know LINK. Well, perhaps; but there's even a link to the Bogelheads and a discussion there. And don't miss the videos, too. SCROLL down the multi link page.
All I want is a real portfolio returns list…
Hi@hank
I'm fully past my pay grade to even guess what 'swaps' could do to cause damage to such a portfolio. My best guess is that management could get things wrong with their process es of using swaps.
I'd have to pass on LQDH as part of our port…
Looking at M* for the past several months, LQD has outperformed LQDH for each of the monthly periods. One might have expected better from LQDH in anticipation of rate cuts and their swaps, etc. The portfolio indicates 95% of the portfolio is LQD. Am…
A one year CHART for the major home builders of PULTE, D.R. HORTON, LENNAR, TOLL BROS. AND NVR; in this order in the chart.
One year CHART of 3 widely traded home builders ETF's.
In opinion: these stocks and sometimes the ETF's receive a fair a…
Hi@hank
I made a previous comment that I personally wouldn't use a 'fund of funds'; based upon forced choices of investment sectors that I wouldn't choose myself.
No unlike the SP500 and its 11 sectors, there are many investors who choose equity sec…
@Crash @MikeM et al
BAGIX vs IGIB chart from January, 2007 to date (total returns)
IGIB is a corp. bond etf, with 99% exposure; whereas BAGIX has a 36% exposure to corp. bonds. BAGIX is mostly gov't and gov't related issues;; with the 63% shown a…
Thank you @msf for your efforts. We've discussed these annuity types in the past; and it is important for some to be aware of these choices to expand their 'tax deferred' investment choices.
For those not familiar, the below link we take you to th…
NOTE: My intention, at this time; is to present the data for the select bond sectors, as listed; through the end of the year (2024). This 'end date' will take us through the U.S. elections period, pending actions/legislation dependent upon the elect…
@larryB
Agree. The 529 rules are to benefit the beneficiary into their education future. Tis not an investment playground for those who contribute and/or manage the monies.
We had a few turns with the wee bit 'fiddle too much' syndrome is the way b…
Hi @larryB
One item that tempers folks from getting crazy with flipping monies in a 529 is the first set of 'rules' established by the gov't. regarding 529's. ONLY 1 change/exchange per calendar year to investment sectors. A few years ago, this was …
Hi @yogibearbull
I probably should have clarified a bit more.
--- The Utah 529 Educational Saving Plan LINK
--- We didn't care for the vendor of the Michigan 529 plan at the time (2006). We missed the state tax deduction that would have been av…
A real world example of a very lazy portfolio using two index funds.
Criteria:
--- 529 education account, open for 18 years
--- inception, May 2006
--- self directed with self choice(s) of investment sectors
--- 13 years of contributions (1st and 1…
Just recently noted:
We old folks have a tendency to live in the past
NAY !!!
Many old folks bring from their past, the experiences that allow them to build upon the present and the future.
Thanks for sharing @larryB
A really pitiful story regarding that bank. One has to wonder whether these reported banks actually want real business; and whether anyone at some managerial level is aware of such problems and/or even gives a shite.......…
@Old_Joe @BaluBalu et al
SD boxes have been mentioned in this thread, as to whether boxes are offered; being either not available at a branch, or that all are rented.
After the GFC there were bank fails and merger/acquisitions. In many suburba…
So, preparing for rate cuts,eh? Our portfolio remains about 60% income from bond fund ( BAGIX ) and Fidelity MMK'Ts. Obviously, the MMK'Ts won't benefit from rate cuts, but BAGIX would. BAGIX (Investment Grade, active managed) is 20% of our total …
w/e August 16, 2024..... Yeah, ending with + NAV's
Bond NAV's were rising through Wednesday, when Thursday found some very large daily percentage drops, with many having a decent recovery pricing on Friday; allowing for a positive pricing week. A …
And @Old_Joe
As had been mentioned is: non-fiction movie, not a series; starring Tom Hanks
Charlie Wilson's War is a 2007 American biographical comedy-drama film based on the story of U.S. Congressman Charlie Wilson and CIA operative Gust Avrakotos…
@Old_Joe THE NEWSROOM
All my searches indicate that CC and/or subtitles are embedded for use. NOTE: subtitles always indicate 'in the original language'. So, the original English language would qualify both, to my understanding.
ALSO, CC off or …
Hi @hank
I subscribe to a newsletter that publishes a “recommended portfolio” consisting of 10 index funds
..... T Rowe Price (like TRRIX) typically invest in 15-25 other funds. What do you know that these managers don’t?
The only thing we know that…
@Crash I've sent 'The Newsroom' video you posted to many folks over the years. Quite the writing of the commentary and Mr. Daniels's presentation, eh? For those who have watched the video snippet, the lady in the audience holding the sign' is the m…
@Old_Joe Glad you two are viewing WW.
West Wing was excellent, and the casting was excellent, too. I recall the feeling of really getting to know the characters and the situations they faced and mostly solved.
NOTE: The series was created by Aar…
@hank
Ten index funds is too much 'diworstificiation' to my mind.
--- Diworsification is the process of adding investments to a portfolio in such a way that the risk-return tradeoff is worsened.
A quote from Steve Jobs (Apple) that applies to the…
@yogibearbull
And the chart in your link is still active for use for that date! I entered other tickers and parameters to chart without problems. Duh, I've never thought about trying 'wayback date' changes to StockCharts.
