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.
Hi @MikeM - thanks for your message. What I meant to say, and did so incompletely was that COTZX has these S&P *trigger* points where they will then buy or sell based on how the market shows up. I have my own *trigger* points to buy (from bond…
Hello CecilJK - thanks for responding. I realize my bias is showing. Your answer reminds me that given a large portfolio, a less than 5% allocation would be significant.
Hello CecilJK - I recall briefly discussing this fund with you some time back. Again, I like the idea behind it’s strategy and why I have a very modest exploratory investment with it.
You, as well as another poster/author I highly regard (Charles…
As a disclaimer, I currently have a very moderate position in COTZX and appreciate the clear mechanics of adjusting to market conditions based on S&P levels. Still, I am challenged to add to it for the following reasons and considering selling i…
Just moved a hefty chunk of VTSAX and VDADX to VUSFX to take some gains off the table for 2022. I continue to work with a 33-36% stock allocation range, but am considering a reduction to 30-33%.
To move funds from a NY State Deferred Compensation 457 account to an IRA at Vanguard, I had to have the 457 account mail me a check first. Then to expedite the process, I scanned the check and submitted it online to Vanguard. It was then entered …
I am also in the midst of a transfer-rollover to consolidate funds. Unfortunately, the current account doesn’t do e-transfers. They also need to confirm that I’m no longer at my previous employer.
Our portfolio is now in RMD land. Between those distributions, soc sec and a small annuity to cover supplemental health insurance (not LTC) our expenses are covered.
The decision of what and when to withdraw the rmd funds is the tricky part. We…
My wife and I just had our 2nd Moderna dose. For 12-24 hrs afterwards we both experienced chills, dizzyness, body ache/joint pain, and headaches. Uncomfortable, but tolerable - considering that by the 2nd day we were symptom-free. So for us, the sid…
@wxman123 - thanks for your thoughts. I’ve been invested in PIMIX for the past 3-years during it’s asset bloated period and investment faux pas (see Argentina). Analysis and opinions from online folks has challenged me to reconsider this position o…
Ended my 18-month PCI experiment with a break-even result. Having been newly retired, I was wowed by the large monthly distribution and exotic feel of CEFs. They still *call* to me but they require more work than I’m willing to do. Hey, I’m retire…
A year ago in August, with additional cash on hand, I took to experimenting. Interested in low volatility, I invested in VMVFX and USMV. As their March performance obliterated my trust in the concept, I kicked them to the curb. With those funds I…
@msf - excellent article:
“People living in poorly rated neighborhoods would have had trouble obtaining mortgages for homes there, [due to redlining] regardless of their individual creditworthiness. Other consequences most likely piled up from ther…
I don’t get it. How can someone who does not live in NYC, but has visited it a few times, write about lawlessness, etc? I guess if you watch and read biased media, then you could have a skewed view of a city - any city. However, I’ve lived and work…
I’ve been holding just over 10% cash, which for someone who had always been fully invested when w*rking (now retired) has me edgy. I recall my father telling me when I was a boy with a few bucks to spend, that it was burning a hole in my pocket. She…
Put some cash to work in VBILX, VBIRX, and VLAIX in IRA accts and VWIUX in taxable. Currently in “Rewirement” with a an asset allocation of 30%/60%/10% (Equity/FI/Cash).
Hello @bee,
I’ve been an infrequent poster but have been snooping on MFO for some time. In 2002, after the dotcom implosion, I crafted an Excel file to keep track of our (with DW) investment accumulations. I would track the bi-weekly changes, as we…
@BenWP - “Lets erect replacement statues to the morons in our public life.”
Can’t wait to hear about the DT Presidential library and whose lucky town will curate it.
I’m in my 3rd year of retirement - during the 2000-2002 and 2008-09 years I was working and simply continued to dca into my/our 403bs and IRAs. I kept my head down and ran with it as buying opportunities. This time (for me) is different. With a 35…
My wife suspended her RMD from TIAA starting in June. There was a notification that even though it was suspended for 2020, it would auto-start-up for 2021.
Hi @Old_Skeet, thanks so much for the clarification on CTFAX. As you and @Puddnhead noted, the third point is a game changer. CTFAX seems to have a multi-dimensional strategy; both clever and complex. I will be keeping it on my watch list for now.
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Hi @Old_Skeet,
Thanks for your link to COTZX & CTFAX. I have been curious about his fund since it was noted here at MFO recently. M* lists it as a 15-30% equity allocation fund, while Columbia lists it’s Mar 31st allocation as 70% equity / 30% …
I too have had a toe-hold in DSEEX. I did not buy it to outperform the market. I interpreted Doubleline’s description that it would CYA based on the CAPE strategy. My bad.
“He seemed to be saying that this is as bad as we're going to see it and readers would be missing a golden opportunity by waiting longer to get back in.”
Hi Mark,
I think the article ended with the author about to reduce risk:
“If we reach any of …
