Recent content by Cnote325

Short term muni bond fund...NSMIX. Not state specific and shorter duration for when rate rise, NAV should be less effected than longer term, but give up some yield. 1.68% tax free

I converted in 2010, 3 mutual funds to 3 new Roth IRA's, with the intent of re characterizing if the the market plummeted like 2008. In the end, I kept all 3 accounts and have since combined them into one Roth IRA. Being only 34, the holding restrictions should have no effect on me. I dont...

Yeah it might be 30 days or something...

Of course it all depends on the situation... But if you convert $10,000 to a Roth and come tax time, said Roth is only worth $7500, you still pay tax on the full $10,000. However, if you re-characterize it back to an IRA, you delay the tax payment again. Then the next day you convert...

I don't believe so...you can withdrawal contributions at anytime, just the earning that is subject to the lime and age limits. Can some one confirm that this still applies after age 59.5? If you wanted to keep it separated, you could always open up a new Roth account. This is a handy idea...

I havent looked at the YTD numbers as compared to Vanguard funds (I will) but in all seriousness, 1Q or even 4 months is surely not a 'resounding no.' Quarter fluctuations from Q to Q mean little to me, especially at my age. But even throwing age out the window, if one quarter fluctuations...

Not sure comfortable is the right word, but I am aware of them...everyone hates paying fees especially in down markets. Fees are a secondary screen for me, after the criteria previously mentioned. I would never exclude an investment in my portfolio based on just a fee. But I sure expect to...

I can surely run the numbers using MStar. Not sure it is apples to apples as the indexes are set while these managers (heavily in large caps currently) move around as they see fit. I am about to 'retire' for the weekend but will compare next week to see how they stack up. I will equally...

I get an email for every response...can I change that setting? Anyway...here are the funds I am using: FAIRX- Berkowitz GRSPX- Chip Carlson YAFFX - Donald Yacktman FPACX - Steven Romick SAVIX, Colin and Ed Symons WPOPX - Wallace Weitz This are the 6 I am currently using, and have a few more...

Thanks. I am happy with the funds I am currently using. But always keep my eyes open as I know times/things change. EvrClrx311--thanks for the info. I didn't know that and def skews the numbers. Also, one of the fund managers I use (Berkowitz, FAIRX) is a prime example of reverting to the...

Did I rub you the wrong way? Thought this was about information sharing. Fund managers won't take a call from me...maybe one day, but at the current level, no suck luck. Thanks for your insight though.

Also, I don't think its a coincidence that nearly all the funds I am currently invested in are 1 to 2 man fund shops that have some what concentrated holdings. These aren't huge fund companies that operate as teams and have 100's of stocks to track. I would agree with buying an index vs Growth...

Well of course 100 out of 100, if you didn't believe it possible, it would make no sense to try and beat the index. Not sure what you mean by survivor-ship bias? please explain. This thread wasn't meant to be an active vs passive debate, but seems we are headed there....I also, am sure I...

Thanks for the responses. Site will become addicting I am sure. I am in a self directed Rollover IRA and SIMPLE IRA with no wrap fees. The only 'fees' i pay are the internal fund expense ratios and $9.99 on ETF and stock trades. All the funds I use are true no-load funds with active...