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.
Additionally Mr crash you can sometime pick how often interest is distributed. Monthly, semi annual or at maturity if that is important to you. The golden age of risk free income isn’t over yet but it’s coming. Check it out today. Nothing scary.
Crash. At Schwab as of 30 seconds ago they have one year call protected, FDIC insured CD’s from 8 different banks paying 5%. And when the interest is paid the share price doesn’t go down. For part of your portfolio it’s a no brainer. But as others…
Yeah. If the fair market value of the stock is really 94.96 wouldn’t many value fund managers be lining up to buy shares at today’s price? OR. HAS MORNINGSTAR GONE MAGASTAR?
@yugo. “ to each his own, it’s all unknown.” Bob Dylan. While the future in unknown I am thinking that MM and HYS rates will decline over the next twelve months. I am overweight in both. Lots of space to fill in the non equity side of our p…
Using portfoliovisualizer again you can compare 3 different 50/50 portfolios starting June 2018. An example of DODIX and SCHD had a CAGR of 7.65 % with a worst year of -7.04%.
@realityspeaks. If you are familiar with portfoliovisualizer.com (it’s great) input VWINX 50% and VWELX 50% and set the appropriate dates and your dividend reinvestment plan. Then compare to your collection. Just because something is a great owl…
Clarification please. Do you mean you employed one or more “Balanced Funds”? Or a group of equity and bond funds to have a 50/50 asset allocation? One could be 50/50 holding Wellesley and Wellington or the same allocation with lots of moving parts…
If you get any div and reinvest you have more shares at a lower price? So you net zero. You do have more shares going up IF rates go down. Am I correct that if rates fall by 1 per cent and you have a duration of 5 you might see a total return of a…
What is the best bond fund total return one can HOPE for in the next twelve months? Assume dividends are irrelevant because they will be reinvested,,, assume low default rate because you have chosen a fund with high quality portfolio. And said fund…
My experience is much like stillers. In fact we overbuilt our CPCD ladder. We sorta got addicted to a 5% return. In anticipation of declining rates and tempted by a much talked about share appreciation from intermediate bond funds we started buil…
@fundly. I appreciate the short duration, high quality bond element but according to M* the equity side is tech heavy, high PE and concentrated in two sectors. Not so conservative. For me,,, having separate bond and equity funds makes more sense d…
@fundly. +100. DO NOT LOSE IT. you speak the truth. If you use portfolio visualizer try a 50 / 50 mix of vanguard Wellesley and Wellington which becomes a 50/50 allocation. Its worst year is less than WBALX and the return is much higher. And o…
At Racqueteer. I am so sick of people who use try to say that both parties are the same. Back in the day I used to say that the two parties were merely the right and left wings of the capitalist party . Back in the day I was a fool.
Only one par…
At the risk of being “too political “ the fact that the markets historically have ignored government shutdowns reveal the major disconnect between Wall Street and an increasingly ungovernable country.
At crash. Ditto. From summary page I scrolled down to all the choices, hit research, hit US Market, put in BRUFX. That was too easy. With all due respect,,,,,,
@Graust. “Don’t fight the market.” If I were 30 years younger I would agree. In fact, thats what I tell my adult kids who have plenty to invest and then ignore it. As for this old guy I am increasingly risk adverse. Today’s market is expensive a…
I have been in the decumulation phase for five years now. It’s not just a phase . The risk of loss of capital seems a bigger deal as the clock runs down. As someone who is not investing for future generations preserving capital must be balanced …
Another good Schwab benefit: I was able to designate three fund families were normally Transaction fee and they waived the fees. When I asked Fidelity about such an arrangement they aggressively tried to push Fidelity alternative funds.
@ Crash. I don’t want to sound like a Schwab fanboy but my experience is that it has better customer service than any other large, impersonal corporation that I deal with. I have access to private client service which might help me get phone serv…
Long time Schwab guy. I don’t leave a penny in Schwab one interest. I did not even know it was called that. I know that when cash falls into any of our accounts I have to manually purchase SWVXX before the market closes. In the morning I will h…
