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Old 05-19-2020, 10:31 AM   #21
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Originally Posted by ElizabethT View Post
Every time I see this thread title I do a double take and think, 'Bond. James Bond.'

Every single time.
Me too!!
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Old 05-19-2020, 10:50 AM   #22
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Originally Posted by COcheesehead View Post
25% is BB or below, the rest is investment grade.

Morningstar showed the overall Fund rating as BB, but when I looked down further it showed a breakdown by credit ratings and percents. Not sure why they indicated an overall rating of BB.
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Old 05-19-2020, 11:05 AM   #23
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Old 05-20-2020, 11:51 AM   #24
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Have you asked yourself why?



And of course, what has happened the last 12 months (or YTD) has little to no bearing on what will happen in the future.


Yes, there are many reasons why itís increased in value despite expertsí many reasons for predicting it would decrease in value.
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Old 05-20-2020, 04:44 PM   #25
Recycles dryer sheets
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When I look at Morningstar, there is a section on the holdings where the last line is "Not Rated". What is that? That is a very large number for DBLTX (25%). Does that automatically refer to junk, or is it small stuff that's not rated? Seems to be a disconnect in that folks here see this bond fund as risky, but Morningstar has it listed as below average risk. Not sure how to process this.
Its benchmark is AGG, yet DBTLX minimally absconds with .48 basis points!
I'd certainly look elsewhere recalling Fido's, Schwab, and VGs IDENTICAL Total Bond funds that also use AGG as benchmarks charge ERs close to 00.03/00.05ish. I'd check that out.
Yet you pay .48?, in this interest rate starved environment.

https://doublelinefunds.com/total-return-bond-fund/
Good luck & Best Wishes though!
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Old 05-20-2020, 08:39 PM   #26
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Its benchmark is AGG, yet DBTLX minimally absconds with .48 basis points!
I'd certainly look elsewhere recalling Fido's, Schwab, and VGs IDENTICAL Total Bond funds that also use AGG as benchmarks charge ERs close to 00.03/00.05ish. I'd check that out.
Yet you pay .48?, in this interest rate starved environment.

https://doublelinefunds.com/total-return-bond-fund/
Good luck & Best Wishes though!
DBLTX out performs AGG (see chart) and has about a 30% higher yield.
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Old 05-20-2020, 09:30 PM   #27
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DBLTX is not an index fund. It does not track AGG, it simply uses it as a benchmark for comparison. Don’t confuse it with The low cost index funds from Vanguard, Fido, etc.
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Old 05-21-2020, 10:49 AM   #28
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Thx for that info, another quick look at its (DBTLX) info and I'm confused, again.
It claims up to 50% of its securites are slated toward MBS yet its benchmark AGG is different.
I suspect its buying undervalued opportunities, actively.
I guess I assumed its 'Total Bond Market' claims had me believing it was simply another provider marketing index products, charging excessively & and claiming otherwise.


Good luck & Best wishes....
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Old 05-21-2020, 10:54 AM   #29
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Thx for that info, another quick look at its (DBTLX) info and I'm confused, again.
It claims up to 50% of its securites are slated toward MBS yet its benchmark AGG is different.
I suspect its buying undervalued opportunities, actively.
I guess I assumed its 'Total Bond Market' claims had me believing it was simply another provider marketing index products, charging excessively & and claiming otherwise.


Good luck & Best wishes....
Maybe it wants to beat the index rather than mimic it. Now that's a thought.
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Old 05-21-2020, 11:47 AM   #30
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Thx for that info, another quick look at its (DBTLX) info and I'm confused, again.
It claims up to 50% of its securites are slated toward MBS yet its benchmark AGG is different.
I suspect its buying undervalued opportunities, actively.
I guess I assumed its 'Total Bond Market' claims had me believing it was simply another provider marketing index products, charging excessively & and claiming otherwise.


Good luck & Best wishes....
There are plenty of funds called “Total Bond” that aren’t index funds, including a Fido one. An index fund will have Index in the name.
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