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Quote: "According to Vanguard, for the 10 years leading up to 2007, the majority of actively-managed U.S. stock funds underperformed the index they were seeking to outperform. For instance, 84% of actively-managed U.S. large blend funds underperformed their index, and 68% of actively-managed U.S. small value funds underperformed, as well. The case is even worse for actively-managed bond funds. In that case, almost 95% of actively-managed bond funds underperformed their indexes for the 10 years leading up to 2007."
Everyone thinks that they can pick the 16% of funds that beat (or equal) the index funds, and apparently 84% of us are wrong. Based on this dismal stat, I have parked a significant chunk of my retirement money in what's called an "Indexed CD": you are guaranteed a minimum return over the term of the CD for several years (a few years ago it was 1%, somewhat under the market rate then and probably even lower today) and any upside is tied to monthly calculations based an index of several that they offer - but the upside is capped on some of these. Mine are offerings of Chase Bank purchased through Schwab (their fixed income desk, it's treated as a CD), but many people offer this. I had to look to find this in Schwab's offerings, it's not widely publicized, perhaps because you will not be generating any trading income for years at a time? Downside: if you have to sell early there is not an easily determined value.
posted by 108.71.134...
Index Funds vs. Actively-Managed Funds
Posts in this Thread:
- investing...throwing darts...., GFW3pedals
, Thu, 12 Jan 2012 11:09:33- it just depends on what kind of fund your looking for, vvack0matic
, Sat, 14 Jan 2012 15:13:12 - Open a fidelity account, pony, Sat, 14 Jan 2012 03:55:36
- Re: investing...throwing darts...., pennydini, Fri, 13 Jan 2012 12:37:43
- It's all about asset allocation and costs, RodM, Fri, 13 Jan 2012 09:23:16
- It's all about the fund managers tr.............., soccersaab, Thu, 12 Jan 2012 19:41:44
- Re: investing...throwing darts...., Reality, Thu, 12 Jan 2012 17:11:41
- Re: investing...throwing darts...., davidgmills, Thu, 12 Jan 2012 17:07:14
- Re: investing...throwing darts...., TML
, Thu, 12 Jan 2012 14:59:25 - Re: investing...throwing darts...., John Myers, Thu, 12 Jan 2012 12:14:16
- Index Funds vs. Actively-Managed Funds, Bill Homer
, Thu, 12 Jan 2012 12:10:58 <-- Viewing This Message - Re: investing...throwing darts...., James, Thu, 12 Jan 2012 11:50:47
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