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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
From what I understand is that the added heme protein provides the desirable taste as meat imitation. Animal blood from slaughter house are not waste by-product. Instead they are used in many process food including pet food. Blood sausage is widel…
Not sure if lab-grown plant protein is less energy intensive than growing soybean in the field. Beyond Meat is made from various plant protein plus iron-containing protein, i.e. blood extract. The blood extract is what make these burger taste like…
IRA to IRA transfer between brokerages is straight forward. Proprietary funds commonly used in 401(k) pose a different set of challenges. The other option is leave the $ there but that is not the question being posted here.
In the long run, timi…
You are in the same situation we were a number years ago. We were mostly lucky that the market stayed most flat during the transfer process. We had to reinvest quickly to maintain the same % allocation. It is your call when to make the rollover. …
Had that surprise experience in the past. Fidelity only allows Fidelity funds to transfer-in-kind in rollover transfer. The rest of non-Fidelity funds are sold and transfer as cash. Fidelity was our 401(k) administrator and we were not please.
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MFO Premium has a wealth of data to evaluate many fund candidates within the same asset class. Thanks to @Charles, it is the most comprehensive database I have come across.
I regret not calling my father on every Fathers Day after I left home for college. He passed away awhile back and these days we light a candle on every Fathers Day for him. My wife set an example for our family and calls her father even though the…
Taking a page from David Giruox of T. Rowe Price interview.
Fidelity Floating Rate bond fund, FFRHX
T. Rowe Price Floating Rate fund, PRFRX
PRWCX itself invests some amount of bank loans too. Beware bank loans are considered junk bonds. They h…
Have not travel to the east coast over a year now for the same reason you stated above. Recently we drove to San Francisco on Hwy 1 - very scenic and SF is very well behaved. Think we will wait till next year when the vaccination and the COVID varia…
ZROZ is down over 9% YTD. I think that in addition to saving and investing, he needs to add speculating to his vocabulary. I usually see 30 year bonds described as speculative because their incremental return over 10 year bonds is not worth the addi…
Often we spent 3-4 hours in Powell and leave with many books. Much prefer Powell than Amazon for books. The ability to scan few pages of the book is much better than reading the review on Amazon. The faked review on Amazon products are really disap…
I understand that neither DFA nor Adventis ETFs are index based funds. Some elements of factor based are used, and thus they are considered actively managed. Just want to learn more information on their strategies.
There are 2 more than the link listed.
International market core ETF,DFAI
Emerging market core ETF, DFAE
In addition, these are fairly new ETFs. So pay attention to the trading volume for the bid-ask spread. Just checked few of DFA ETFs and the…
It is the 10% probability that the homeowners will need the insurance against natural disasters including fire, wind storm and others. Several years ago our house was damaged by a large tree fallen on the side of the house. The total bill came to …
Amid the optimism (or complacency), the question remains: Why would a rational investor buy bonds that yield well under the rate of inflation?”
I had the same question. Still prefer balanced funds instead.
Exited entire position in gold last fall and started to build the position in the last 6 months. If inflation worsen, this may play out okay this year.
Also I am looking at other metals for electric vehicles : lithium and copper.
Every Memorial Day I watch most of the movie “Bands of Brothers” to commemorate my grandfather who served in WWII. He seldom talked about his experience as many of his friends did not return.
I don’t get it either for not protected everyone around you. Now is the time to get vaccinated when the weather allows for more outdoor activities. Then come the dark winter months that favors COVID infection. So the cycle of suffering starts all…
Thank you. The chart is a good reminder. The 10 year treasury yield is lowered to 1.53% today. Feel like the rates are being manipulated despite higher inflation is expected this year.
The Comment section is worthwhile to see the new proposal in different situations. For example,
professor Kelly, "But Munnell objects to increasing the age for RMDs to 75. Employees are permitted to save pretax dollars so they can have a decent r…
This year my value funds, large and small, are out-perform their larger siblings by large margin. Often in excess of 5-10%. I like the mid-cap value stocks where they tend to lead to in early phase of recovery while they have real earning. Labor a…
@Mark, I often get frustrated with the Windows 10 PC at work. Several years ago Mac computers were introduced in the workplace and our lives became very good. Our kids got the new M1 MacAir for school and they absolutely love them. My old iMac at h…
