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newgirl

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newgirl
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  • @Hank. FWIW - I can easily get to someone pretty quickly on the phone at Schwab - and they have periodic PROMO's for new money & securities transferred in. That can help ease the pain . You might just ask for it - but I can send you a referra…
  • Additionally , I really liked the use of the word "only " "You will pay tax on only 85 percent of your Social Security benefits, based on Internal Revenue Service (IRS) rules. If you: file a federal tax return as an "individual" and your combined …
  • Daniel Amerman's commentary makes the case for earlier SS based on several other points, including the "pooling of the cost of Medicare premiums ". How relevant/accurate do you think that point is ?
  • "Bonds come in a variety as rich — and sometimes baffling — as the screw-and-fastener aisle at Home Depot."- that is the truth ! what does US IG mean ?
  • Thank You @Hank and @MSF - The article infers that it is also a prudent time to look abroad. I have less than 1% of my bond portfolio in foreign bonds, so it really piqued my interest.
  • @CRASH AND @BASEBALL FAN -My question is specifically for diversification of funds outside of the US .Currently full positions of US Bond funds and Muni's, and wanting to put some cash to work .Per the NYT article -I am interested in the foreign …
  • Ideal mix of foreign bond funds for diversification ? I hold only a smidgeon of PRSNX
  • ITCSX is open at Schwab No load /with a fee - annual returns going back ten years within .05 -.15 basis points below PRWCX - Most likely as a result of the slightly higher ER .
  • Thanks @stillers - Yes , I amirs averse - and I understand that EM and SC are inherently more risky- I look for less Maxx DD and recovery within the category. I have almost no exposure to either at the moment - Heavy Domestic Large Cap and cash - …
    in Small Caps Comment by newgirl January 22
  • THANKS @The shadow - so even the closed funds on Schwab are open at Wasatch?
    in Small Caps Comment by newgirl January 21
  • Looking at MSSMX Eye watering YTD + 136.75% 1 year + 127.18% it holds overstock.com ++607.77% 1 year.. .too late ? The Wasatch small caps look greta also - alas... closed . It looks like best open option is ARTSX
    in Small Caps Comment by newgirl January 21
  • @observant1 - please elaborate "I would avoid funds which track the Russell 2000 index due to this index's inferior design" "
    in Small Caps Comment by newgirl January 21
  • TYPO- I meant 8.8 % ...
  • Thanks All for the comments and suggestions . @BewnWP &@AndyJ > I was cautious about the Mathews fund due to the recent departures of fund managers. I definitely understand EM is inherently more risky, exactly why I was concentrating on t…
  • @Benwp and @MikeW ... I 'd love for you to start the thread on Small Cap and EM Asia . I am very interested in thorough analysis!
  • Who would like to provide a tutorial on how to use this tool?
    in Port Viz Comment by newgirl January 15
  • Thanks @lewisBraham I will be screening it against other EM along with your earlier suggestion and others you care to send my way!
  • @msf . Thanks so much for the thoughtful analysis! I really appreciate it ! I did note the EM in KGIRX which is another category I am interested in for new cash - I need to offset the concentration in US Large caps over all. I have very little ex…
  • @msf thanks for the suggestion of KGIRX. I spent some time on their very interesting website this morning. https://www.kopernikglobal.com- Iben makes some very compelling arguments. The correlation of KGIRX to TBGVX-PRCNX-ArTKX - are all below 0.…
  • @msf. agreed- Several great ideas ! ( thanks ) and I think it has gotten a bit confusing because.... 1. I asked to consider a "global blend manager" in the hopes that might put the decision making between Value & growth in the hands of the ma…
  • @lewisBraham- I would also love your to hear your comments re; EM - I will be moving on to researching that next :)
  • @lewisBraham - I especially value your comment about NOT chasing hot funds.
  • @LewisBraham- I took note of QUSOX after your earlier comment on anther thread. It is categorized as small/Midcap even has a small slug of micro in there - which might be of interest for a smaller allocation. I have not compared it to other stric…
  • @bee VGWLX is 60/30 equity /bonds and of the equity 59.21% U.s. so not what I am looking for . I am looking for the holy grail - Smart international or global manager with decent returns and some downside protection. not heavy with U.S and Fa…
  • Thanks @sma3. Generally their reports have been very straight forward and informative . I was re-reading to look for an explanation for the underperformance
  • @lewisBraham. I am sick of waiting on value.... aren't we all ? But I do question the decision to bail on it totally . The minute I bail its going to take off for sure! I sold Artgx earlier in the year to harvest the losses in a taxable account .…
  • @shostakovitich ... exactly ! Also looking into these :• INTL MFAPX/MFAIX – SOME MIOPX/MIOIX (12%US) for China & EM MGGIX is 63% US–all same manager INTRNL-LCG-MFAIX-lower risk &return -MIOPX-slightly riskier- MFAIX 11% US. MIOIX less FA…
  • there is also MFAPX- managed by Heugh- Less North America more western Europe - Lower standard Deviation- higher sharpe -lower returns over 9 year period
  • @vegomatic - I am looking at the portfolio visualizer - I see now that you meant a combination of funds. This might be overhead at the moment
  • Thanks For your replies @msf and @Vegomatic. I am not at all familiar with portfolio Visualizer... I will dig in and try to learn. I am primarily looking at international multi cap - relying on the managers to choose the best spot moving forward on …
  • Roth IRA. As long as you meet the income limits , you can also contribute up to $6,000 (or $7,000 if you're turning 50 or older this year) to a Roth IRA. (If you exceed the income limits, you can still use a "backdoor " approach to contribute.) As w…
  • Thank you @msf ! As I mentioned "recent articles suggest I might do better hedged- or perhaps both Some hedged/some not ?" do you have an opinion . Over long term does it make a difference ? I will add GFLOX to my screen on the multisearch
  • @MikeW- Ditto . There was this in the morningstar article - "That now gives mutual funds the flexibility to turn to their management companies for loans to provide liquidity should they face pressure to sell less-liquid assets to meet redemptions." …
  • I would not discount a fund that got hammered - if its good in every other respect and just got oversold - It might even be a better candidate . I am still looking for an alternative to ARTGX, and TBGVX that I would not mind holding on to, if the p…
  • @charles -assuming you meant this > "Assess your portfolio--but don't obsess"? Thanks ! not obsessing just trying to make lemonade. I am close to retirement, but still running business. These are all in taxable accounts. I am not touching my 40…
  • Yes... I am working on it right now . I just have not gotten to my EM holdings. Trying to concentrate on the previous mentioned positions 1st .
  • Thanks @davfor- os there an advantage to getting into a "new " fund ?
  • Considering VIG or VIDGX as a replacement for LCEYX - Would growth be better at this point ? I am struggling with ARTGX AND TBGVX
  • I have not lost confidence in ARTGX or TBGVX-YAFIX I'd like to replace them with similar as temporary parking place to harvest the losses - ( i am still working - at least I hope so !) DDVIX ( value) and LCEYX dividend - both under performed befo…
  • @Sven. I Totally understand that ! I was not planning on selling and going to cash . I was looking for something substantially similar. Sell the shares in one at the end of the day and roll over to a similar funds, at the same time . SO book the lo…