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.
CNBC points to (i) short squeeze in silver and (ii) low silver inventories in exchange/dealer vaults. Some silver has to be flown by air to make good on deliveries.
https://www.cnbc.com/2025/11/29/silver-hit-record-highs-in-2025-and-still-has-furthe…
Different technologies are noted in passing in this LONG article.
Tesla relies on visual/optical technology only. As a result, it may fail where visuals may fail - bad weather (rain, snow, fog), poor or too-bright lighting (driving against the Sun…
Keep in mind that searches are separate for MFO Discussions and MFO Home. So, if you are looking for a fund mentioned in a monthly MFO issues, you will find it only in the latter search, not the former.
Search works for keywords, poster names, fund…
It's useful to look at prices of gold and silver as well as their ratio.
The ratio now is 75, and the last major turning point was 73, so a change in gold:silver relationship may not be that far away.
Of course, there are wild price targets for b…
It's the same exchange issue.
M* Quote for DVY defaults to US DVY (XNAS exchange). Don't know why the Watchlist suddenly uses Berlin exchange (XBER). There is a note at M* website and may be these problems will go away naturally,
"Morningstar Inves…
From the news, it's hard to understand the issue. How can a software update be more vulnerable to solar flare vs the previous version. The fix suggested seems to be to go back to the previous software version. It could be a buggy software update, bu…
@Junkster, although AAII Sentiment was the most bearish recently on 11/12/25, the combination of sentiment and indicators seemed most bearish to me on 11/19/25 - OP for this thread. You correctly called that out.
Not only one should look at more th…
Gold:Silver ratio peaked at 105 in 04/2025 (gold was hot) and is now 76 (silver has been shining for months). Recent low for the ratio was 73 in 11/2024.
Edit/Add: Gold:Silver chart (E.O.D.) https://schrts.co/pNJHhiAh
May be the question to ask is which billionaires are without media outlets? Some media control is probably self-protection for them - not just in US, but overseas too.
Eric JACOBSEN is VERY INFLUENTIAL at Morningstar.
Those familiar with history may remember that after a leak/tip to him about 2009 about Jeffrey Gundlach firing from TCW, he forced a REVOTE of 2009 Bond Manager of the Year and the result was change…
https://www.morningstar.com/etfs/XMEX/FLOT/quote
I hope it's temporary, and fixed soon, but wow! It's returns should be very close to FLRN. I noticed this while rearranging the deck chairs in the IRA
Ticker FLOT is found in many foreign exchanges …
If you reinvest with mutual funds, the brokerage OR the fund firm will keep track of cost-basis. You may have to do it yourself if you change the cost-basis method - there are rules for that.
Because reinvesting for mutual funds is simple and done …
The very unusual situation of poor sentiments and indicators near market highs has been noted in the media and at MFO. The K-economy explanation sounds reasonable.
AAII Sentiment is survey based (and so is the UM sentiment - not included here), but…
@rforno, yes, I transfer out from Schwab BANK to another bank through auto transfers. However, the link could work for transfers into Schwab Bank too.
There was one problem that I (and maybe others) complained about and they fixed it.
When money t…
@Crash, I do recurring transfers at Schwab. I just checked Fido too and under Transfers, it also offers recurring transfers.
Unfortunately, Schwab doesn't offer m-mkt fund as core, so money have to be shifted as T+1. Fido offers SPAXX as core, Vang…
Cloudfare outage is affecting lot more than MFO - X/Twitter, ChatGPT (OpenAI), Shopify/SHOP, NJ Transit System, etc.
https://www.cnbc.com/2025/11/18/cloudflare-down-outage-traffic-spike-x-chatgpt.html
Looking at Bitcoin/$BTCUSD with StockCharts, 2 yrs,
Candlesticks https://stockcharts.com/sc3/ui/?s=$BTCUSD&id=p97097155654
Solid Lines https://stockcharts.com/sc3/ui/?s=$BTCUSD&id=p90427907898
1. Bitcoin is volatile, even when tre…
@Rbrt, FADMX is a middle-of-the-road multisector bond fund. It may not be as exciting as PONAX / PIMIX, PYLD, LSBRX / LSBDX, BINC. Even Vanguard has VMSAX / VMSIX.
@Crash, there is QLAC from T-IRAs. There are no RMDs on the amount used for QLAC, but there are limitations on the total amount.
Also, from taxable accounts, there are CRATs - Charitable Remainder Annuity Trusts. You get some tax deduction upfront,…
Backdoor Roth is only for $7K / $8k new contributions in 2025, $7.5K / $8.6K in 2026. That too requires clean T-IRA (i.e. without deductible/pretax contributions).
But to reduce future RMDs, consider QCDs from T-IRA and regular Roth Conversions fro…
351 exchange ETFs are offered by Cambria, Alpha Architect, etc. Not sure if Vanguard is into this specialized etf game. It may not be what you think it it is.
https://ybbpersonalfinance.proboards.com/thread/762/351-exchange-etfs
The basic problem is that companies are allowed to keep 2 sets of books.
Isn’t that how the mobsters ran their business?
Well, mobsters are playing with revenues, not just depreciation, amortization and tax calculations.
BTW, cryptos are in a bear territory already. It's said that speculative cryptos and Nasdaq have a good correlation.
Broad market briefly rallied on the expectations of the end of the longest DC shutdown, but has sold hard on the news.
Sentiments …
The basic problem is that companies are allowed to keep 2 sets of books.
The one set for earnings reports and and investors uses different (conservative) depreciation and amortization rules to optimize (maximize) reported earnings.
The other set f…
@msf, thanks for the advanced level info on QCDs.
I included the basics for a general audience within the severe space limitations of community E-paper - mini-features have about 400 words within the total column space of about 750 words.
Barron's mentioned in July 21, 2025 issue that CAT bond issuance for YTD (then) was already more than that for full 2024. Be careful with hot areas attracting lot of money.
If there are no recent catastrophic events, then the CAT bond investors win…
@StayCalm, that's an amazing fraud story in WSJ.
A chain of fake companies was setup with fancy websites and the companies operated on paper only for 5+ years. But they took real loans (private-credit) with fake collaterals. The likes of HPSInvest…
TSP F Fund is total bond market (investment-grade) and is similar to AGG, BND, SCHZ.
Stable-value TSP G Fund has no downside risk. Note that its crediting rate update hasn't been posted for 1+ month - 4.25% was the September rate.
Post FOMC Presser Notes
Rates: Fed fund rate cut -25 bps to 3.75-4.00%, bank reserves rate at 3.90% (generous), discount rate at 4.00%. On December 1, the Treasury QT of -$5 billion/mo will drop to $0, & MBS QT at -$35 billion/mo to $0 but futu…
YEARS ago, my Sears store card suddenly became a Sears MasterCard, and now just Citi Mastercard. I wasn't asked for any additional info. But Sears may have had my SSN then.
As Capital One will handle the card from now on, it makes sense to call onl…
Relative SD is more stable than SD.
Relative SD = SDportfolio/SDbenchmark. I just use SP500 for benchmark.
TestFol also provides rolling SDs, so you can see it overtime. But SDbenchmark also has similar variations, and that's why Relative SD beco…
@Observant1, in most metrics, I am in the gray area - not at extreme high or low if ranges. Benz describes opposites - maximizer and satisfiers. So, I am neither but somewhere in between.
There isn't much in the Bogleheads framework for DIYs to do. How many combos of 2 or 3 index fund portfolios can one make?
Then, there are strategic-allocation (static income/conservative/moderate/aggressive allocations) and glide-path TDFs of ind…
