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.
The direct deposit, logo on the annuity check you receive or retiree employee corporate website may not be the same entity accountable for payment of the annuity even though your annuity check is derived from that source. We are making assumptions…
How could the PBCG (starts with Pension...implication is that it is still with the corporation) be responsible once the annuity option is chosen and the corporation passes the cash on to the annuity payer (this case Met Life) and Met Life starts pa…
If an employee has not chosen yet whether to accept lump sum or annuity then PBGC covers any bankruptcy while the $ is still with the corporation. However, in this case, once the annuity choice is made the corporation (employer) not longer contribut…
Many retirees choose to take the lump sum option with the thought in mind to pay off all debt because they say it is impossible to do with the annuity option. Therefore reduced principal right out of the gate. Many are not sophisticated investors,…
Bee, I believe the less movable parts the better for a portfolio which is why I like 60/40 to 50/50 funds which balance it for us and make withdrawals easier. I have learned thru the years there are layers and dimensions of risk far beyond the day …
Different issue but in the ballpark in answer to bee's question......I have personally known 4 people who chose a lump sum option from their employer in retirement vs annuity option. All 4 are in serious trouble now. I have known 2 who chose the an…
Just to clarify AWF is a global fund in which 70% is invested in the USA. DSL has 40% foreign debt. Both of them reached near 15% discounts during the oil panic.
Ted, dead horse. yes. ha ha. sorry about that. and I said I wouldn't beat any dead horses anymore once I retired. people gotta learn at their own pace. saying on wall street: when I first met my broker I had the money and he had the experience. whe…
Do you believe GLRBX, FPACX, OAKBX and BERIX will still be the best performing funds 20 years from now? If the answer is no, then can you give me the names of the 4 funds that will outperform so I can buy them today? VBINX outperforms 90% of every…
"find a way to do it accurately" Accurate conclusions is what you want... but you persist that VBINX ranks 24 out of 148 when you know many funds have closed over the last 10 years due to underperformance and you ignore adding that to your calculat…
I trust M* globally published statistics more than yours on a message board. They say VBINX is in the top 12%. Also, if just 10 balanced funds per year closed (100) the VBINX outperformance numbers will be much higher. (The reason they closed is du…
msf, 1. Can you please provide the number of Allocation funds that have closed or merged due to underperformance during those 10 years that VBINX has outperformed? You ignored that number in your misrepresentation of my numbers. Please add th…
msf, I am sorry you feel my numbers are suspect. I pulled them two weeks ago. So, lets look at them again. I just got off the Fidelity website. Hot off the press.
10 year Moderate Allocation Funds = 322 funds VBINX is #24 or top 7.4%.
10 year All …
Bee, yes I agree with you that VTMFX is also great choice looking back. 70/30 or 60/40 is our choice over the next 10 years due to potential rising rates IMHO but we have been saying that for the last decade.
1. Nothing to write home about ....assumes the investor is predisposed to balanced fund level of risk/beta. No 100% equity funds. 2. I do not believe I am capable of picking the top 1.4% managers as you have done. I could not pick the top 1.4% over …
