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
Details revealed in the article are troubling.
1. Shares distributed to government will diluted existing shareholder’s value.
2. May impose other companies to use Intel foundry business even though Intel chips may not able to produce chips with …
@WABAC, Think we are on the same page on that. Majority of our bonds are on the shorter end. Our small moves to 5-7 years bonds have been gradually as we monitor the inflation data and employment number. Going to long duration is pre-mature at thi…
@msf, thank you for the NYU link. Just bookmark it. Very instructive to see different asset classes returns going back to 1926.
@davidrmoran, that is what Warren Buffet recommended for most investor.
@WABAC, not us. The long end of yield curv…
@hank, 2022 was a rare year where both stocks and bonds fell together from the rapid rate hike. Bonds failed as a ballast for stocks. Cash was no longer trash in that year.
One fund may still work. I would add a second bucket to provide enough …
During the Watergate, there were GOP senators who stood up to Nixon who told Nixon he will be facing impeachment. Nixon resigned. What kind of senators we have today for something far more damaging to the constitution. Yet, they stood silence.
Matthew McLennan has been managing this fund since 2008. The fund holds about 10% in gold, quite like his predecessor, Eveillard. McLennan has been on Wealthtrack a number of time in the past. Three other co-managers have been added since 2011 to…
It is not good for Intel. Really miss the boat on smartphone chipsets. Same goes for Blackberry.
Also Lutnick mentioned the government will take stakes on defense companies.
How is this Intel case different from Warren Buffet’s investment on Ban…
Here is more details on the government stake on Intel.
https://pbs.org/newshour/politics/trump-says-intel-has-agreed-to-give-u-s-a-stake-in-its-company-heres-what-to-know
These shares are non-voting share, but at a discount from the publicly trade…
It is the SCOTUS that is the most disappointing for failing to upheld the US Constitution. The congress is simply scare of him, and for what ? Mob boss!
Many don’t want to face their constituents in town hall meetings.
@larryB, i presume your social security and pension cover the entire expense. And these two funds are for capital appreciation, correct?
If not, do you have another bucket to generate income to supplement the monthly income needs ?
Sen. Rand Paul, R-Ky., wrote in an X post, “If socialism is government owning the means of production, wouldn’t the government owning part of Intel be a step toward socialism?”
Where are the rest of senate and congress? They all know that goes ag…
@rfono, your assessment is spot on.
Future market for tomorrow: gold is up and the Dollar is down, and it is relating to the firing of Governor Lisa Cook and the attack of the FED’s independent.
Both Senate and Congress are complicit to these decisions made by this administration, Ultimately, it impacts the national security negatively. It is all about painting a false narrative that the mission was highly successful. It was inconclusive a…
Going forward there is an increased likelihood of decoupling between US from rest of the world. Still they will be corrected, but to a lesser extent. The other consideration is the currency used in trading. When other countries want to get paid on…
Sneakflation is here and guess who is paying them?
Through June, US consumers had absorbed 22% of tariff costs, but that share was expected to rise to 67% by October, according to an August 10 estimation from Goldman Sachs economists. That assess…
Buying European stocks is about diversifying the portfolio risk from the over-valued US stocks. Will AI propels the market in the future? No one knows for sure, but AI stocks are trading at high multiples. European market is still growing but at a…
@msf said:
Reiterating what I said at the outset - the fewer funds one has, the more difficult it is to get a desired allocation, especially as one changes the target over time.
I agree that a single fund would be challenging during de-accumulating…
Before Bolton published his tell-all book, the WH wants to stop him on the ground that it contains classified information bur offers no evidence of such. WH then back downed and the book iwas published this year. We will see how this drama plays out…
Canada and Mexico are major food importers to US. Now the tariffs is making things more expensive. Below is a 2024 USDA report on food.
https://ers.usda.gov/sites/default/files/_laserfiche/DataFiles/53736/FoodImports.xlsx?v=66673
Read earlier th…
It would be a good idea to examine drawdown periods as @Obervant1 noted with various multi-sector funds and ETFs for their risk. Using MFO Premium, one can compare these funds for their MFO rating and Risk over 3 years and 5 years period. In gener…
Thanks @msf for the update. Two years ago there were fewer Vanguard funds available. There must be additional agreement made to be on Fidelity shelf space.
All the discussion about robotic and AI will solve the labor shortage. Going to U-Pick farms such as strawberry would help one to appreciate the back-breaking labor and skills required.
Just look at it took several decades to transform car manuf…
@Mark is correct with D&C at Fidelity’s mutual fund supermarket. Years ago they were listed.
Vanguard is listed today, although it limited only to a handful of OEFs and not the entire lineup.
We consolidated to Fidelity several years ago. F…
Thanks @bee for the math.
Food produced domestically also went up even though the main ingredients are produced domestically, i.e. pasta. What other factors could contribute to that?
Produces also went out considerably. In many cases, the pri…
In my honest opinion, it may has passed that point already. TRP analyst support cannot be under-estimated as PRWCX continues to lead in the allocation fund category. Giroux is well aware the overvaluation issue, yet he maintains the tech exposure …
Pretty soon we will be eating saw dust to add bulk to ground meat. I observe these days people are overwhelming buying food rather than big screen TVs at Costco. And that is a bad sign of financial stress.
Cannot imagine the low income families s…
I recall someone who has boxes government files in his home, some of which are classified. https://apnews.com/article/trump-justice-department-indictment-classified-documents-miami-8315a5b23c18f27083ed64eef21efff3
Is this a case of the pot calling …
Don’t forget where coffee are grown and global warming contributes to smaller areas. This has been observed for some time. Tariffs adds another layer of cost to the consumer.
I switched to tea but still their prices have gone up too.
Gee, I wonder if the value of Trmp's bonds might increase if the Fed lowered interest rates
That is my exact thinking. The true motivation of cutting rate from 4-4.25% to 1%, is to goose the bond prices and his pocket substantially. Wonder who e…
