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
CDs are attractive relative to money market. The 18-month ladder that @Tarwheel suggested is near the sweet spot. When the rates go higher later this year (several more rate hikes are anticipated), start a second CD-ladder. Will check out our local…
Buying CD ladder makes sense as partial replacement of money market in the cash bucket. The shorter end looks attractive. After the June rate hike, the CD rates will likely to increase. Recalled that CDs were paying double digits back in the 70’s,…
Thanks for the Stockcharts plots that are helpful to see the differences between VTIP and TIP.
One can buy individual TIPS from their brokerages. New issues are available based on the auction schedule. Here is more information from Fidelity.
You…
That decision came from CDC.
The official said the Centers for Disease Control and Prevention had determined the requirement was no longer needed.
Airlines dropped their face mask requirement due to violent customers.
In fall 2019 when COVID s…
Giruox has been a master in using bond & cash positions to counteract his equity risk. His goal is to provide equity-like return while maintain below market risk over a 5 years period.
Krane strategy seems to be to throw stuff at the wall and see what sticks.
It appears Krane is all about asset gathering. That is not a compelling and winning strategy.
How many 50 bps rate hike depends on the PCE number that the Fed is tracking. The 2% target may need to shift upward. The root cause of this inflation is more complex than that of the 70’s. Today we are facing supply chain disruption, war, wages,…
Thanks @Crash. He is not happy with Amazon on several fronts. Retail sale and cloud service are flat. Hard to justify the high valuation going forward. Now it is at 3.6%.
The stock allocation in the fund is at 64%, a bit lower than the past w…
The news is widely reported. Try this.
https://wraltechwire.com/2022/06/07/robinhood-other-trading-apps-might-get-bad-news-soon-as-sec-may-change-rules/
Beware that ZH is Russian-tilted site. Many old posters here avoid it.
That is NRA's talking point. Teachers are already under-paid. Now they want them to take on additional life and death risk as armed teachers. That is absolutely nuts!
The other option is put minimum into tsp 6% (not 17 18%) and transfer all new incomes into private ira
Not sure what private IRA you are referring to. Think you need to look at the actual $ amount allow in 401(k) contribution, not % of your salar…
In-service rollovers to T-IRA are allowed by TSP. Not many retirement plans allow that. 401k/403b vs T-IRA involves other issues covered elsewhere (TSP is formally not 401k, but follows similar rules).
Yes, one can rollover their TSP account to a …
There is a fixed administrative cost the employers pay for their employees to the plan administrators. It appears the government want to employees to pay for most of it and that is why you are seeing two layers of fees. Personally this is a losing …
derivatives funds
I think you meant actively managed funds. The fees are too high to be worthwhile.
If the government wants to be competitive. They have to offer solid performing funds with low fees, i.e. institutional shares, without transacti…
This trend of high mortgage rates and high home prices cannot persist forever. Home sale and mortgage application have been declining for several months. Because there is limited inventory of houses for sale, the pricing still climbs in certain par…
Not sure what you are seeking. Vanguard has a very basic comparison tool for their funds and other families. It provides 1, 3, 5, and 10 years performance, top 10 holdings, sector invested, historical volatility, expense ratio and minimum $ requir…
The oversea version of SCHD, which is SCHY, is only 2 years old. SCHD has a longer track record.
@yogibb provided a good list. Also CDC and VG Dividend Growth, VGIDX. It is a good idea to review the sectors invested that may reveal how the fund…
Many long haulers from COVID cannot return to work even if they want too. Often they start collecting disability. The work force is returning but not at the pre-pandemic level as manufacturing and construction are still have a way to reach full ca…
The police on-site waited outside for 60 minutes instead of going inside to pursue the “active shooter”. Don’t buy the story on how the situation changed from active shooter to a barricaded situation. I believe the police made a terrible error of …
bear market rally
That is for sure. Will see if this will advance tomorrow and weeks after. YTD, the US, developed and emerging markets are still down 14.4%, 11.6% and 13.6%, respectively. Bond index is also down 8.6%. So it will take some time t…
@BenWP, sorry to be late in replying. Awhile back I was in similar situation as you on subscribing SA and finally decided not too for other reasons. Since I subscribed to Barron’s and Apple News, adding SA would be too much to keep up with. As you…
There are other factors we don’t have visibility on their day-to-day operation such as the supporting team of analysts and company culture.
Don’t know how much Rondure has grown since they branched out from Grandeur Peaks funds. For awhile Rondur…
Few asset classes work this year, except for energy and commodities. Bought COM and DBA (more recently). Market fell considerably since May’s rate hike and there are few more to come. So I am reluctant to commit more to equity until the inflation …
Texas GOP calls to arm the teachers and security guards. We have gone down that road since Parkland, FL and it did not resolve the issue. The ease of access to assault firearm is ridiculous!
@carew388, you are correct. I have made the correct in the post above.
Look like smallpox vaccine maybe needed if the cases spread rapidly, as noted by @Derf on vaccine manufacturers.
Coming off COVID pandemic new monkeypox cases are causing some alarm. The fact that the principal transmission mode is through physical contact of open sores on both sides and not an airborne virus. Crowded living conditions tend to promote this t…
Thanks for the additional information. More recently, Fidelity contacted us through phone and email to invite us to their Private Client Group services. Not really interested right now without having a face-to-face meeting preferably, or even a Z…
