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Sven
Lynn,
Thank you so much. I am planning on a 3-year ladder since I am a year away from retirement. Lots of spreadsheet work to calculate the income replacement needed. This ladder will create a steady income stream. So thank you for all your help.
I moved back to high quality bond funds this year. Some of which you covered in the SA article. For now, I will stay with agency bonds to the bond ladder. I will pick active managers for corporate bonds.
Sven
We have had the same question being asked earlier. 529 plan was one of the proposed solution. Please see the thread below.
mutualfundobserver.com/discuss/discussion/comment/203937/#Comment_203937
China has been planning since Trump’s first term. They know US ‘s weakness on critical metals snd supply chain and use it to their advantages. Tariffs only plays into their hands. Chips and others tariffs are postponed till 2027. Badically, US h…
Her diagnosis came after giving birth to their second child. She informed the public in 2025 as she entered treatment. The treatment did not work. That child is only two years old as Tatiana passed away. Our great condolence to Schlossberg‘s famil…
The free version of MorningStar does not have active share statistics on funds. Some mutual fund websites disclose them such as Dodge & Cox. Oakmark has their active share data buried inside and one has search for them.
i suspect today's broad dumping of precious metals is a play to capture 2026 equity gains.
The precious metals have rebounded to 80% of yesterday 5.6% loss.
The circular investment and concentrated AI stocks may present challenges to hit new hi…
BobC was an invaluable contributor until he retired. He was a financial planner who knows his funds and investment process before the launch of MFO Premium. Certainly learned alot from BobC.
rono said : Unlike the last two bull market in the metals which were driven by speculation, this one is driven by supply/demand fundamentals.
Silver has many industrial demand. Barrons mentioned copper demand is starting now from data centers.
@hank, Making buckets of ETFs enable one to explore your ideas and themes as part of the strategies. Will watch your progress.
I use the alternative bucket as a low correlation vehicle to equities. Precious metal is fine but they are for good tra…
My sentiment is the same. Multiple active manager approach, in my opinion, creates more conflicting stock picking that may cancelling out each unique approaches. In the end, this may increase the short term volatility and not yet not obtaining the …
These days we rebalance when the opportunities present themselves. It is more than quarterly as we have done in the past. For example:
1. Precious metals and mining stocks lost 5% on Monday, Dec 29, 2025. Picked up few shares of SLVR and GDX to i…
At our age, we have to be careful manually shoving snow. Studies have shown that it put significant strain on the cardio system that leads to heart attract among the older demographics. Here is where snowblowers or snowplows can make a difference. …
Exactly. How about a 50% cut from the farm’s profit ? This administration is taking 15% cut from sale of H200 NVIDA chip to China that was previously restricted to export to China. See how money can motivate this administration at the risk of nati…
American team management structire is unique in MF industry. Had good result with AF New World fund in the past. Now have few of their ETFs and equally good result. Only thing i am watching is the private equity they got into this year.
There is 19% exposure EM binds and 26% developed market bonds. In addition, the average duration is listed as “extended” while (per Morningstar) others I am tracking have medium duration.
https://morningstar.com/funds/xnas/dodlx/quote
Adding to EM smaller caps via SIVLX. Also adding to VYMI from reducing VOO. Now exploring EM bonds, hedge and local currency as dollar contnues to weaken.
No window shopping for sure. AI will track your IP address to discourage price comparison. It felt strange as if someone is tracking my search as if some form of algorithm was used to gauge the supply and demand of their products. That algorithm la…
Think what you need is a bigger barrow of cash to buy food just like the German did post WWI.
https://historydefined.net/german-hyperinflation/
Just paid $80 for 2 bags of grocery without expensive beef, seafood, and wine at Albertson store. Do y…
Thanks @msf. Great reminder to those of us who may have large capital gain in 2025. I have increased my withholding this year to meet close to 100% of the tax. Years ago we received large capital gains and we have to pay penalty due to underpaid am…
Mid-cap growth may present one of few viable vehicles. Tough to compete with large cap tech and the Mag 7 concentration.
We stay out of the smaller cap for several years. Perhaps oversea is no where as concentrated in US.
Since you are the account owner or custodian, you can rename the beneficiary to another child or grandchild in case your child does not wish to attend college, or wanting to spend it on a new car instead.
They cannot access the 529 fund with you b…
@Yogibb’s link is a great start to invest for college using 529 plan. Follow the link and get information you need.
Should get their social security number immediately, and the child is the beneficiary and you are the owner of the 529 account. T…
I enjoy listening to many genre of music. Just like old photo in yellowing albums, they bring back fond memory. Here is some examples:
Beatles
Simon & Garfunkel
Carpenters
Led Zeppelin
Pink Floyd
Dire Strait
Moody Blue
Fleetwood Mac
ABBA
Cro…
It is healthy to see value stocks are making a come back. Broadening out to the other 493 stocks is beneficial to the market. S&P500 index has over 30% in tech today. A much higher weighing than the historical weighing. Two of my three defensiv…
NASA should benefit from the fast computing it provides, and it is likely to be in early phase of their research.
Before computers NASA relies on slide rule for complex calculation. How the science has advanced ?
Edit: i learned to use slide r…
@junkster, l looked at AGEYX and unsure its portfolio: high % of bond are not rated and sizable geographic %, 20%, is in Africa. So i paused.
https://morningstar.com/funds/xnas/ageyx/portfolio
Yardeni has been a perennial bull. He stayed quiet during the Libration day period.
Until the market broadens out to the other 493 stocks, what keeps the Mag 7 stocks going in 2026?
Edit:. The circular investment among the AI companies is worr…
Remember that US is carrying over $37 trillions of debt. We may past the point of no return with the interest paid to the debt is over $990 billions! The Big Bullshit Bill alone adds another several trillions to the debt. Gotta to love the $2,000…
Formaldehyde is widely as the adhesives in many products as stated in the article @Mark posted above. It is particularly bad in newly installed carpet. It continuously out-gas throughout the lifetime of the carpet.
