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.
EGRIX imo is much riskier than a plain vanilla bond fund due to it's strategy -- long/short, lotsa macro calls, frontier market holdings, FX risk, etc..
It has performed really well with an amazingly low SD with the falling dollar as a tailwind. Bu…
EGRIX imo is a better bond alt than QDISX. But certainly still a lot riskier than a straight bond fund. One has to have very high faith in manager capabilities.
Where is the risk?
In the last 1-3-5 years EGRIX did better than "safe" funds such as DO…
OJ bother me? Not for a second.
The wave of immigrants from Asia powering high-tech innovation? They're not just succeeding; they're dominating. These folks have turned Silicon Valley into a global powerhouse, and the results speak for themselves.
…
OJ,
3+ more years of MAGA, what are going to do?
Your city is packed with immigrants, just like me, who came to this country and were successful in high tech.
DEI is fading in many companies, what a relief.
Keep complaining, no one is listening.
Democrats are so desperate they cling to every fleeting story. Just give them a glimmer of hope.
The shutdown is over. Dems drool, GOP rule.
Chuck E. Cheese is fading.
Elections have consequences.
No wonder Old Joe’s fuming, he’s smack in the epicen…
From my post on Nov 10
If I don’t see at least 20 responses after mine, I’ll be disappointed.
You guys made it. It never fails. You have another 3 years to go.
Plan G Medigap plans have different prices because although the benefits are standardized by the government, the premiums are set by private insurance companies. These companies use various factors to determine costs, including your age, location, g…
You can go back to Original Medicare + Medigap w/o underwriting if
1) You move to another county or a state that doesn't offer your Advantage.
1) Your Advantage is cancelled.
See https://boomerbenefits.com/what-to-do-when-moving-to-another-state-wi…
The flaw in most definitions is that they’re just labels.
What truly matters are quantifiable performance metrics:
TR (total return), SD (standard deviation), Sharpe ratio, Sortino ratio, max drawdown, and others.
Then: set measurable goals, track t…
@sma3. Good info....but.
As usual, you need to know what you are doing.
Original is great in most places.
Advantage choices are great in big cities with many options.
I would never go for HMO.
If I lived in a smaller town and/or not many choices, Or…
The biased media.
On November 9-10, 2025, two top BBC executives
* Tim Davie, BBC Director General (overall head of the corporation)
* Deborah Turness, CEO of BBC News (overseeing news operations)
resigned amid intense criticism over editorial bias…
One more post that timing the market is just gambling:
I reduced my equity holdings from 45% to 30% over the summer thinking things were too overvalued and told myself I will not buy until October which is normally not a good month. FOMO was hard …
The longest shutdown is about to end — one caused by the Democrats, which led millions to suffer. It’s clear the Democrats aren’t focused on finding real solutions; their actions seem driven by Trump Derangement Syndrome, resistance for its own sake…
@FD1000 said,
BTW, the Original Medicare Medigap went from $145 to $206 in the last 3 years. That's over a 40%.
I believe @FD1000 is referring to Part B increases.
No.
Supplement Insurance (Medigap) Plan G policies.
@FD1000 Thank you for your …
@FD1000 said,
BTW, the Original Medicare Medigap went from $145 to $206 in the last 3 years. That's over a 40%.
I believe @FD1000 is referring to Part B increases.
No.
Supplement Insurance (Medigap) Plan G policies.
We have to use my wife's Medicare Advantage choices to get $2100 per year each.
Humana's HMO plan H4141-017-003 isn't an option.
Every HMO has a rating of 3.5/5. Every PPO is 4.5/5. The PFFS is better than all, IMO.
All the HMOs don't have all our d…
I don’t see a strong connection between choosing the right Medicare plan once per year and managing investments.
Medicare: I evaluated the risk and reward years ago, and in my county, a Medicare Advantage (MA) plan turned out to be a better option …
Reading these posts makes me chuckle.
All I see is nonstop TDS.
Politics always swings back and forth, but Democrats seem to live in a constant state of panic—everything’s always on fire.
Keep up the rants and watch how you destroy the whole point o…
@FD1000: You came here, took advantage of the freedom and financial opportunities of OUR country, made your money, and now root for the destruction of the very country that gave you so much.
PLEASE GO BACK WHEREVER YOU CAME FROM. JUST TAKE YOUR DAM…
MikeW: @FD1000. I find your bullying annd condescending attitude to really be a detriment to this board. I don’t post often but couldn’t let your ignorant and insensitive comment pass.
The above comment violates the site’s rules.
Most of your other…
Looks like the usuals forgot that this is an investment site.
Please take your political and TDS posts to the off-topic forum?
Tariffs, the price of eggs, the shutdown, doom and gloom...all didn't influence the markets YTD.
SPY is up 17+%
VXUS almos…
The gov shutdown...so boring.
Here is a good advice. Stop listening to all the doom and gloom in this site and many others.
...and my best advice for most. Invest based on your goals and risk tolerance, and use only funds (and hardly trade). That'…
Donald Trump's Key Achievements (October 24–31, 2025)
Brokered the Kuala Lumpur Peace Accords: Trump facilitated a multilateral agreement in Malaysia aimed at resolving regional tensions in Southeast Asia, marking a significant step toward stabilit…
The red carpet is rolling out for Trump across the world — and there’s a reason. It’s about respect and a desire to do business with America again.
Did Biden get that treatment? Of course not. Would Kamala? Let’s be honest — that would be a joke.
I never said I'm better. I already made my comments then and now.
No one should predict the future.
Predictions based on valuation have been wrong for over 10 years.
Lastly, did you make changes in real time to your portfolio based on the memos?
Howard Marks's last January memo called for a bubble. I posted the following months ago, and it's still true now. Mark's memos have lots of fluff and hardly anything about what to do.
10 months later the SP500 is up close to 20%.
I can play Marks…
Nice poll.
https://www.yahoo.com/news/articles/cnn-data-guru-stunned-polls-184112485.html
Trump can make deals with almost anyone in the world — except the extreme left.
Schumer has completely lost it.
As usual, the last few posts have DDD: dismiss…
Another scream of “Doom!” because fear sells clicks and keeps the base scared. But the kids (and the adults) are catching on: the monster under the bed is just a sock puppet.
Ah, "Ms. Pier" lands again—gotta love the autocorrect rebellion. If you'r…
Look, the irony is thicker than a Biden nap schedule: Democrats love to shriek about every perceived Trump "scandal" like it's the end of democracy, but when their own side pulls the same stunts? Deafening silence. It's the ultimate "rules for thee …
My SIL has been buying 50/50 VOO/QQQ for years now. He can already retire.
In the early 1990s, a good friend invested in ten individual stocks, putting about $3,000 into each. The rest of his monthly contributions went into the S&P 500.
Nine of…
I have one account that I tell myself is a safe spot, but is it really?
Equal amounts in the following funds.
RPHIX
CBLDX
ICMUX
RSIIX
DHEAX
NRDCX
RCTIX
SWVVX
What is a safe spot? In 2022 many bond funds lost 5-12%
EGRIX easily beat the funds above i…
Neither. There’s a huge gap between the two.
When I retired, I already had enough — all I needed was a 6% annual return, indefinitely. I could have gone with a simple 50/50 portfolio, but why? That approach would have allowed my portfolio to drop 2…
https://wolfstreet.com/2025/10/21/the-23-bigger-cities-where-condo-prices-dropped-by-12-to-28-through-september/
Condo prices in the markets on this list have dropped by 12% to 28% from their respective peaks in 2021, 2022, 2023, or 2024. Each city…
OP "The REAL Economy: 'Empty shelves, higher prices’- Americans tell cost of Trump’s tariffs"
Here’s my experience:
Over the past several weeks, I’ve been shopping at Walmart and Aldi every week — and I haven’t seen any issues. I also visited Kroge…
The economists' chorus of doom since January 2025—stagflation lurking, recession inevitable, inflation roaring back, markets in freefall.
Yet, as of October 24, 2025, the U.S. economy is defying the script with solid growth and tame (if sticky) infl…
The irony continues. After years of panic-inducing narratives from unhinged Democrats, inflation is finally under control. Yet these same Democrats once denied the highest inflation in four decades during the Biden years—and now they’re attempting t…
Yesterday, former first lady Hillary Rodham Clinton cut to the heart of President Donald J. Trump’s destruction of the East Wing of the White House.
Hilary?
The Clintons stole an estimated $28,000 in White House furnishings and paid $86,000 to the f…
TDS has a new rival: BDS — Ballroom Deranged Syndrome.
Dems are melting down over… nothing. Again.
Trump’s 90,000 sq ft White House ballroom? 100% privately funded.
No taxpayer dime. Not a penny.
Try naming one other White House renovation of this s…
