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
I cringed whenever see him not wearing mask and being in indoor meetings. At least he is vaccinated and having mild symptoms. The only risk factor is his age. My prayer go to his family for speedy full recovery.
My only reservation on VWINX is that the duration of the bond portion is at 8.2 year, which is on the longer end of intermediate term corporate bond index. This implies it will be affected more in rising rate environment. Having said that, the Wel…
Next week FOMC meets to decide how much rate hike will be. They have been hinting 75 bps. Perhaps there will be more clarity afterward. So this tread is helpful to see what the MFO’s wish list.
Sold most of commodities and energy several months ago. Adding to existing positions slowly and keeping a large cash position. Building TIPS and STIP to deal with inflation. Don’t know enough of alternatives to invest in and not get disappointed.
…
USD is strong this year and it posted challenges to oversea investing. Yes, my EM exposure was reduced considerably since COVID pandemic. Most are focus on the more conservative int’l value funds.
Other folks here including Professor Snowball has written about Andrew Foster. By nature SIGIX is not an aggressive EM fund and it deviates from its EM benchmark (i.e. Spliced Emerging Markets Index) which which contains 37% exposure to China. It is…
Seafarer's Andrew Foster, a former fund manager, is far better communicating with their investors than that of Matthews Asia. In addition, Matthews Asia is having a number experienced managers leaving for elsewhere, and that is not good.
Seafarer'…
More than @johnN there are other posters who regularly follow Zero Hedge. Credibility of the information sources is important when sharing them with others.
Thanks. I prefer to buy new issues, especially in rising rate environment. In two more week, the Fed will likely to raise rate by 100 bps. New CD yield will keep rising.
From an earlier posted by @yogibb earlier,
Fed fund futures market is going haywire showing 80% for 100 bps, followed by 75, 25, 25 to end at 3.75-4.00% in December.
https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html
Keep your …
That is so true! Last year was bad for large cap growth funds with large capital gain distribution. In some case even they have a negative return year. Index funds would be a better option for taxable account. I have done that several years ago.
@davidmoran, glad to see you return. Yes, it has been a tough year. When both stocks and bonds go down at the same time, there are few safe options left other than cash. With CPI reported this morning at 9,1%, cash is losing figure buying power t…
Entering my password using TD’s keyboard is the least of the annoyance and I have done that using either Mac or PC computers.
TD could require dual-factor authentication to improve security on your behalf as the major brokerages and TSP do.
TD …
Thanks @Observant1. The more recent bear markets from 2000-2002 and 2008 had long recovery periods well beyond 12 months and more. That was including the Fed are cutting the interest rate multiple times. 2020 COVID bear market was an abnormality, …
My deepest condolences to your loss. Concur with @yogibb’s advice. Vanguard do not work over the weekend. Early Monday morning would be the best to talk with a VG agent.
An update on the user interface aspect would be very helpful to investors. This is typically government sites that were build many years ago and with minor and I frequent updates.
Energy situation is evolving quickly. Less than 2 months ago crude oil was priced near $120-130. Also there was concern about food shortage due to the Ukraine war. Commodities and their futures are the few brighter spots in 2022. Now it is the rev…
The website is atrocious. I'm won't go into details. Suffice to say that people who complain about Vanguard's website likely haven't yet had the "pleasure" of dealing with TIAA's. And you won't know what funds you can buy through the IRA brokerage …
Think this posting was posted below.
https://mutualfundobserver.com/discuss/discussion/59761/everything-we-deal-with-is-significantly-cheaper-than-it-was-six-12-months-ago-howard-marks#latest
Things are moving fast. Several posters here reported oil price declined a week or two ago. Now the agricultural product prices are falling too. This may imply inflation is coming down as well. Hopefully gasoline price is coming down as well.
@yogibb, thanks for the info. My previous experience with Pershing/T. Rowe Price required patience. Is TIAA available for anyone or limited to teachers ? I had TIAA-CREF serving as the administrator for Oregon 529 plan.
@msf, really appreciat…
Agree with OJ there. But when natural disasters strike such as hurricanes and tornadoes, the citizens come to seek help from the federal and local help. What do they think FEMA, Red Cross and others are created for?
TIAA - impossible to navigate, reducing offerings. They used to offer a simple, vanilla brokerage IRA. No longer. Now all they offer is an IRA annuity with a brokerage window. Since it's an annuity you can't just have another brokerage pull your as…
Marks said he doesn't invest in crypto because assets like bitcoin don't produce any cashflow.
"Assets that don't have cash flow don't have intrinsic value," he said. "A good part of the value has to be conceptual and future-oriented."
Mark does …
@hank, I would not bail on PRWCX since it is closed to new investors. Link above explains the consequences of stocks and treasury being down at the same time. Just about all allocation funds are down this year. There are a number stock funds and ETF…
The SV fund in my 401(k) invested with instruments from insurance companies. The yield this year is over 3%.
Money market funds now are yielding 1.3-1.4% whereas it was yielding less than 0.1% less than a year ago.
If you haven’t noticed, commodities have tanked hard in recent days - not a sign of a booming economy.
Crude oils and energy funds/ETFs fell considerably in the last two weeks. While this is one bright spot for this year, it is trending downward, …
Good memory! Natural gas is produced as a by-product from oil refineries. Periodically serious accidents happen that they do considerable damage that takes months to bring them back to operation.
