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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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
No. The EM has worsen with increased political risk in the last several months. Another headwinds it faces are trade wars, strong USD, and two rate hikes in 2018.
There will be better buying opportunities down the road. Time like this is about getting paid and not killed. It is hard to imagine how $200+265 billion tariffs with China will end well.
Get out. Many international bond funds are unhedged to USD. In effort, the investors incur additional risk with respect to geopolitical, currency fluctuations, and credit quality. Since early this year, the dollar has been rising. At least two mo…
Yes, it has been all over the place. For awhile it was playing Tesla and next report he exited the entire position. He is back investing in the big cap growth stocks. A real disappointment for sure.
@LewisBraham and @larryB, totally agree. The deficit is projected to worsen just from the 2017 tax cut while enriched those in the upper tax brackets. Disgusting!
No significant move here. Majority of my gain came from the reduction of equity in late January before the big drop. Few tactical buys in Apple and BRKb; rebalancing with more Vanguard Equity Income. Wish I am more optimistic for the rest of the y…
Totally agree that health care will consumer much larger part of our retirement resources. We still have over 15 years fom retirement. In the meantime, we maintain an active lifestyle, routine exercising (swimming and walking), and eating healthy.…
Bitcoin has too many ups and downs this year. Still wonder if that is a viable and widely adopted currency.
On the other hand, Warren Buffet found an Amazon-like stock in India, Paytm, and have invested a small stake.
https://fool.com/investin…
It is insane for those Federal workers who would vote for someone who totally lack a sense of decency, let alone honesty. It is a simple math pointed by msf that they are essentially taking a 2.1% pay cut.
Another proposal is to reduce the Feder…
Our family have good luck with Japanese cars. I drove a Toyota Celica for 20 years before we sold it for a Honda minivan when the kids arrived. Since then I have been driving a 26 years old Honda Civic, and it is still going strong. Next one will…
As Facebook stumbled badly recently, even the FAANG stocks are vulnerable to bad news. There is already rotation in other stocks and sectors which I think is healthier for the overall market.
Assuming these high school kids file for tax return, then they can open an IRA account. Roth IRA is even better.
The other challenge I see is the lack of an understanding on finance for many kids growing up today. Even though algebra is a requi…
@bee, I am not sure I will go the way of reverse mortgage in retirement. My wife joke about sell the house, move into out 10 year old trailer and live on the driveway of our kids house. We sure spent enough to put them through college and help the…
I understand a new TRP Capital Appreciation Income fund being discussed. Income (from higher allocation of bond and other instruments) is the primary focus similar to that of Vanguard's Wellesleye Income fund, VWIAX.
It is not possible that Bill Gross just took some dumb pills as his Janus fund lagged badly. He has the advantages of small asset base and great experience. Something is not working at Janus for bonds.
Who else could make a go of this business model? T. Rowe Price? It recently upped its min in proprietary funds from $100K to $250 for a free M* membership. Would its customers spring for $1M to invest in outside funds w/o a fee? Or could they make a…
@hank, concur with your view on the market condition and the political turmoil. Opportunities with 25% discount are difficult to come by unless US enters recession now. Thus I continue to watch to find better entry points.
Realistically 6 month holding period for mutual funds is relatively short. These are long term investment products unlike individual securities or ETFs. One needs to have sufficient cash set aside to pay medical bills, tuition, and other short term…
@bee, thank you. That is an interesting perspective. Wonder how the Treasury will do when the Fed starts to unwind the $1.25 trillion of mortgage-backed securities?
@bee, Other countries hold US Treasury because it is considered the more stable and liquid currency in the world. Also it provides higher yield than those from the developed market: Europe yields less than 1% and Japan yields 0.09%.
https://www.…
