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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
Neither one. I moved away from both Artisan and Oakmark global funds when Vanguard Global Min Volatility became available. Lower expense ratio (0.30 vs 1.2 and 1.4% of Oakmark and Artisan, respectively), currency hedging, and better performance.
@hank, this year growth stocks has way outperformed value stocks, including health care and biotech. TRP Capital Appreciation and Mid Cap Growth have certainly benefited from it.
@willmatt72, there is no compelling reason to hold three balanced funds in your tax deferred account. Are those your only choice in each separate account? If you are use a brokerage like Schwab or vanguard, you have access to many balanced funds,…
Yes, he and Richard Pell ran Artio International fund for awhile. As I recalled, they had a good run for awhile, then they made some poor bets that went south and never recovered since then. Both managers left when Artio was acquired by someone …
There are pockets of opportunities after the short pullback. Not so much of US but the developed market is in early phase of recovery while their respective governments are trying to get the economy going again.
Tend to agree with Scott that rai…
Tend to agree more with one of the poster. It is important to consider the investor's risk tolerance first before constructing an asset allocation.
Reading this article for fund choice ideas might be OK, although indexing is probably a better cho…
I would keep VTMFX in taxable account, and sell VWENX over several years to spread the tax burden. If you have assess to VWENX, I would use it over the rest of the balanced funds.
Did the zero interest rate really benefit those who depend on their CDs and bonds? Not really. It certainly helped the big banks, but not so much the consumers.
In the early day, Acron funds were well respect. Since they were acquired by Columbia, they seem to fad away. Quick scan of of the website sheds some light on their overall performance.
https://columbiathreadneedleus.com/investment-products/mutu…
According to M* x-ray portfolio, I have about 10% exposure in EM, mainly through SFGIX and RNWGX (also some thru several diversified international funds). Active management is what I prefer in this asset class. Sold majority of Matthews funds and …
@bee, sorry that I missed your earlier question. I think they are similar in the portfolio makeup. Question is how frequent do they rebalance? Also which part if robo (algorithms driven) and which is human to justify the 0.5% fee?
Schwab's has…
The problem: We found that our spending increased when using the card to purchase everything from clothing to ketchup and that we paid less attention to price and value when shopping. Because increased spending translated into increased "benefits" i…
Oil service related jobs have been hit hard this year. Yet the month to month employment figures don't seem to reflect that. What other sectors are growing enough to compensate the loss figure?
@Old_Skeet,
Thank you for sharing your thinking and the detailed portfolio makeup. You have lots of patience. Tweleve funds and five stocks in ten accounts are plenty for me to manage.
While Greece took the spotlight this summer. Warning signs of China have been there all along until they devalued the yuan. Don't think that will be is a single event as the China market has not stabilized.
A colleague who worked at Kraft Food said that one of her main job is to find cheap substitute for key ingredients of process food as a way to boost their bottom line, i.e. quarterly earning number.
So what is in your beef burrito ? Taco Bell i…
@davidrmoran, I agree that value oriented funds tend to do better in drawdown period. In 2008, that view changed. Dodge & Cox stock fund suffered worst than the large cap value index. Few exception such as Yacktman, Vang Div Growth, and Fra…
Thank you. Paul McCulley always provide informative interviews from a macro-economic perspective. Another interview in April 2015 in Wealth Track was equally informative.
@davidrmoran, in severe drawdown period in 2008, few asset classes escape except cash and some bond sectors. I have been intrigued with DSENX's since inception, but chose Vanguard Global Min Volatility, VMVFX, in the end for all its simplicity and …
@little5bee, I apologize that I miss-typed. The $5K minimum investment is for retirement accounts, not non-retirement accounts as I stated earlier. The $100K requirement is common across many brokerages. Another approach is to buy direct from the…
@little5bee, All institutional shares of Thornburg funds are available for $5K (not $100K) for non-retirement accounts at Fidelity. These institutional shares are on the Transaction Fee platform, and thus require a transaction fee of $50. Like Bob…
Yes, they are good reminder. If the investor stay put rather than pull ot at the bottom, they have since recovered and gained more (actually a lot more if they have cash to buy at the height of fear).
@MIkeW, While TSP is great with its rock bottom fee index funds, you should think about opening a Roth IRA so that you can diversify in other asset classes.
