Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. 12. Optimizedportfolio is definitely fun and useful site. Also keep in mind that WisdomTrees stated use case for NTSX is to use it to make room for other assets. back-end sales load is If you would like to change your settings or withdraw consent at any time, the link to do so is in our privacy policy accessible from our home page.. 25% NTSX25% AVUV10% VEA10% AVDV10% VWO10% DGS10% EDV. Although interval fund purchases resemble open-end mutual funds in that their shares are typically continuously offered and priced daily, they differ from traditional closed-end funds in that their shares are not sold on a secondary market. 0. Rules and regulations related to interval funds enable fund companies to create portfolios with less capital volatility while holding a greater percentage of less-liquid, longer-term investments, often with higher risk-return opportunities than may be readily achieved in open-end mutual funds or exchange-traded funds (ETFs). Disclosures:I am long NTSX in my own portfolio. How To Beat the Market Using Leverage and Index Investing, 8 Reasons Why Im Not a Dividend Income Investor, M1 Borrow Review (How M1s Margin Loan Works), The 10 Best ETFs for Retirement Portfolios in 2023, The 4% Rule for Retirement Withdrawal Rate A Revisitation, Sequence of Return Risk in Retirement Explained. Analytical data nerd, investing enthusiast, fintech consultant, Boglehead, and Oxford comma advocate. Leveraged and Inverse Products: What you need to know. . This portfolio would provide effective exposure of 79/46/5 stocks/bonds/gold. PSLDX A product that employs ESG strategies may choose to focus on one or more ESG factors, though an ESG product may also include securities that don't fit any ESG category. Most tax efficient way would be to harvest any losses, dont sell anything with large gains, and just start buying NTSX. If I wanted to add some margin in a taxable account, taking a page out of lifecycle investing to diverse across time, how would you consider 20-30% purchased on margin of the same securities keeping the same allocation? With bond yields where they are at the time of writing, the future may look different. I still dont own them. Join Date: Jun 2017. What is PSLDX beta? The top 2 holdings represent 50.22% of total assets. I didnt have much in a taxable account until recently so I just started making new, large deposits into NTSX. Analytical data nerd, investing enthusiast, fintech consultant, Boglehead, and Oxford comma advocate. Necessary cookies are absolutely essential for the website to function properly. Ive personally got PSLDX in an IRA at Ally. I have a somewhat similar Ginger Ale portfolio, but with increased Real Estate, Energy, Healthcare exposure, but I have been slowly reducing my NTSX, I am curious if you have taken any actions and if so or if not, Id love to hear your reasoning. You also have the option to opt-out of these cookies. More engine power. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Let me know in the comments. Someone on Reddit mentioned the same thing. We and our partners use cookies to Store and/or access information on a device. Just note that your portfolio would be 45% US 50% intl. Thanks John! Hi John,What are your thoughts on the recent underperformance of NTSX vs the S&P500? Market data for Daily Fund (NAVs) and charts provided by Markit on Demand. All investing involves risk, including the risk of losing the money you invest. I would be curious to hear about Johns opinion on this too. Why would I be concerned with recent performance? The information displayed utilizes the Morningstar "Sustainable Investment - Overall" datapoint. Even more with continued contributions. I would also submit that just because bonds now have lower expected returns doesnt mean they wont still do their job of mitigating stock market drawdowns. Ive also received no form of compensation from WisdomTree for the words Ive written on this page. The information on this website is for informational, educational, and entertainment purposes only. And of course, they want to earn their fee. Its turnover is nearly 200%! These cookies do not store any personal information. This is a simple yet elegant way in which NTSX was specifically built with tax-efficiency in mind, making it one of the few (if not the only) leveraged funds appropriate for a taxable account. . Over a 30 year hold during accumulation phase that is 72% more money and a huge difference. OptimizedPortfolio.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. are for illustrative purposes only. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services. PSLDX has Whats the exact link to wisdomtrees 1926 backtest? VT vs. VTI Global Stock Market vs. Total U.S. Stock Market. But is it a good investment? Its overlap with the broader market is only about 33% so youd be comparatively less diversified. You may also want to check out the following NTSX comparisons that investors often look for on Finny. PSLDX has a higher expense ratio than NTSX (0.59% vs %). HFEA and NTSX only use treasury bonds, but PSLDXs managers are buying a cauldron of U.S. and foreign government and corporate debt securities. So while these 3 strategies are similar, theyre also different. SEC said no more 3x ETFs so Id bet theyve gotten tighter on restrictions. along the same lines, im curious if I 90/10 QQQ/treasury futures alongside some money in NTSX, if that would be considered a diversified entry level portfolio. That comment was based on the idea that a bond fund would be expected to have a positive return returning its par value plus interest at maturity, and on the fact that duration is the point at which a bonds price risk and reinvestment risk cancel out, not on anything to do with rolling futures contracts. As a result, it may be difficult to compare ESG investment products. Under normal circumstances, the fund will invest approximately 90% of its net assets in U.S. equity securities. I probably wont just because theyre the same thing as NTSX but for Developed and Emerging markets respectively, so Id be writing the same things. The information on this website is for informational, educational, and entertainment purposes only. Etrade offers it for a $20 fee and no minimum. I got into NTSX when its AUM was a little under $100M, with the cautious expectation that it may close within the year. No matter really how much money you had, valuations were so. PAL games can run almost 17% slower than NTSC games. But remember that fees are relative. PS. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. A net expense ratio lower than the gross expense ratio may reflect a limit on or contractual waiver of fund expenses. alternatives? Both NTSX and PSLDX are mutual funds. Balanced Fund). Check out my flat-fee-only fiduciary friends over at Advisor.com. Try our powerful tools to help compare investments and get ideas. I dont try to time the market so I have not taken any actions or made any adjustments. Im not entirely sure why PIMCO seem to love corporate bonds. It is mandatory to procure user consent prior to running these cookies on your website. This goes back before the ETF even existed, Huge fan of your website, which Ive recommended to numerous friends in my crusade against financial advisors. Those wanting a DIY version of this fund with ETFs can achieve roughly the same exposure with 90% VOO (S&P 500) and 10% TMF (3x long treasuries), rebalanced monthly, but it would be pretty tax-inefficient. They generally have either a negative number like 1x or 2x or a term like short or inverse in their names. This website uses cookies to improve your experience. Watch it here:Watch this video on YouTube. Social ("S") factors can include how an issuer manages its relationships with individuals, such as its employees, shareholders, and customers as well as its community. I dont think you are, but just wondering if you dont mind sharing. Note that PSLDX would be terribly tax-inefficient and should only be held in tax-advantaged space. This website uses cookies to improve your experience. Location: Western NC. Im hoping the trend continues upward. NTSX and PSLDX work well together because NTSX uses Treasury futures while PSLDX uses S&P. Would love that. With the fed going hawkish and end of QE, potentially QT and rate hikes, coupled with the slowing growth of the economy, this seems like especially adverse conditions using leverage. Interestingly, NTSX is suitable for different investors with different goals depending on how its used. What are the cons of investing in Also, economical cars are more environmentally friendly. Im thinking of going 70% of my taxable in NTSX and am still trying to figure what to do with the remaining 30%. The Fund seeks total return which exceeds that of its benchmarks consistent with prudent investment management. PSLDX? Risk parity is a portfolio allocation strategy in which, consistent with Modern Portfolio Theory (MPT), risk is spread evenly among assets within the portfolio by looking at the volatility contributed by each asset, thereby attempting to optimize returns per unit of risk (Sharpe). Please read the prospectus carefully before investing. Consequently, these funds may experience losses even in situations where the underlying index or benchmark has performed as hoped. Investment products discussed (ETFs, mutual funds, etc.) At least from Finland it is possible. What is Finny Score is 33. Find out how much money you would've had today had you invested $1 in the stock market daily, starting with your birth date. I know it sounds like Im selling this fund pretty hard, but note that I am not affiliated with WisdomTree at all and I get no sort of kickback or compensation from them if you decide to buy NTSX (or any of the other funds listed here). Compare and contrast: PSLDX vs NTSX . I just wanted to drop a line that this is now free at e-trade with any dollar amount. Please read the fund prospectus for details on limits or expiration dates for any such waivers. I can think of a number of examples of this. Watch it here:Watch this video on YouTube. Another etf to look at is NTSX. Is the exposure and expected return youre getting worth the fee? Basically, it takes a traditionally pretty conservative asset allocation of 55/45 stocks to long treasury bonds and levers it up 3x via the funds UPRO and TMF. Lets talk about some risks and downsides for PSLDX. Im in the process of committing to Boglehead principles in all of my tax-advantaged accounts, but still have some individual stocks and complicated and/or high-ER ETFs gathering dust in taxable brokerages (some money in Betterment and in TD Ameritrade). Using the live fund data, we can compare the historical performance of PSLDX, HFEA, NTSX, and the S&P 500 going back to 2009 through 2021:Source: PortfolioVisualizer.com, But of course weve basically been in a bull market that entire time (recency bias), and its only a decade, so it doesnt tell us too much. The lower the fuel consumption, the more economical it is to drive the vehicle. WisdomTree themselves state they aim to boost the capital efficiency in the core to allow investors more flexibility with these products. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. This website uses cookies to improve your experience while you navigate through the website. PSLDX - PIMCO StocksPLUS Long Duration Instl - Review the PSLDX stock price, growth, performance, sustainability and more to help you make the best investments. The White Coat Investor | October 3, 2020 at 12: . This is closely related to the concept of " return stacking " from Corey Hoffstein that I explored here. Meaning NTSX might end up in our taxable accounts if we run out of space filling up non-taxable space with less tax efficient stuff. Now if theyd just do a Global (VT) version wouldnt a 90/60 where the 90 is VT be something many folks would go for? These cookies will be stored in your browser only with your consent. from our perspective: 14. PIMCO is doing a 1 for 3 reverse split on PSLDX on March 24. Below is the comparison between NTSX and PSLDX. Here's psldx substitute: 100% stock/ 100% bond. The best stock comparison tool in Galaxy! See the full list here. So as wed expect, HFEA won out on total return. I cant provide personalized advice. The consent submitted will only be used for data processing originating from this website. Im hopeful theyll grow and stick around, but only time will tell. Jack Bogle Was Wrong About These 3 Things, I Bonds Explained (US Savings Bonds) Ultimate Guide (2023), Sharpe Ratio vs. Sortino vs. Calmar Risk Adjusted Return, Portfolio Risk Explained How To Think About Risk and Volatility. In the right circumstances, I think it can be particularly useful and can even decrease risk, such as with the idea of Lifecycle Investing, applying leverage while young and deleveraging as you get older in order to diversify across time. My discussion and appreciation of NTSX are simply the result of my own independent research and analysis. So, if you have a powerful PC NTSC versions will feel smoother, but if you have a less powerful PC then it may be better to play the PAL versions since they only require 50 Hz (FPS) to run at full speed. But I think the makers of RPAR are launching a more leveraged version. NTSX can be thought of as essentially a milder, cheaper version of the famous Hedgefundie Adventure. Charles Schwab Investment Management, Inc. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Similar taste with half the ingredients.30% NTSX30% AVUV40% DFAX, John can I get your thoughts on combing NTSX with managed futures etf? This concern can also be mitigated with an allocation to TIPS, international stocks, and gold, as I suggested above.. Past performance does not guarantee future results. Schwab's Financial and Other Relationships with Mutual Funds. Basically what I did. Just FYI, I recently checked and there seems to have been a significant inflow to both NTSI and NTSE recently when analyzing the funds on Morningstar. All else equal, the investor whose time horizon is greater than their effective bond duration should be indifferent to interest rate changes. Concerning resolution, PAL signals were often higher resolution than an NTSC signal (576i vs 480i for example), but in my opinion, the higher frame rate is . The fund is incredibly tax-efficient, and it provides a packaged solution for retail investors who want the long-term returns of 100% stocks without the associated volatility and risk, all at what I consider to be a pretty low fee. Required fields are marked *. Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. These aggressive strategies typically allocate at least 10% to equities of foreign companies and prioritize capital appreciation over preservation. Im in it for the long-term. Beginners Start Here 10 Steps To Start Building Wealth, What Is the Stock Market? In fact, NTSX even has a lower tax cost than VTI! I intend to cover other return stacking funds such as NTSX and TYA, . Required fields are marked *. Historically, this has been true. This is why NTSX still outperformed the S&P 500 during periods where interest rates rose slowly. Prefer video? NTSX is close in effective exposure to 90/10 VOO/EDV. Thinks s/he gets paid by the post . This website uses cookies to improve your experience while you navigate through the website. Thanks! Id say $50M minimum for me personally. It sounds like these funds may not fit your risk tolerance. Check your 401(k) menu for this fund, but odds are its not there. The investment seeks total return which exceeds that of its benchmarks, consistent with prudent investment management. PSLDX has an adjusted expense ratio of 1.01% 0.59%, compared to 0.99% for HFEA and 0.20% for NTSX at the time of writing. 14 important things you should know about PIMCO PSLDX mutual fund. Thanks Alex! Charles Schwab & Co., Inc., member of SIPC, receives remuneration from fund companies for record keeping, shareholder services, and other administrative services for shares purchased through its Mutual Fund OneSource service. Its also cheaper to lever up bonds than stocks, and by using futures on a bond ladder, theyre not using daily-reset leverage usually seen with leveraged ETFs, so no volatility decay to worry about, and were also largely avoiding counterparty risk, as bond futures markets are highly liquid. The following are Charles Schwab & Co., Inc. (Schwab), Member SIPC, is the distributor for Schwab Funds. It hasnt gotten much attention from retail investors because it is an institutional fund. PSLDX comparison details. PIMCO have been quietly beating the market and doing a version of the famous Hedgefundie Adventure for years with their mutual fund PSLDX. Would you plan to deleverage later on? Managed futures are uncorrelated with Stocks and Bond leading to more diversification. I really appreciate your work. Opinions are my own and do not represent those of other parties mentioned. quantitative analysis shows 2 reasons to buy and 4 reasons to sell it, Its effectively applying 1.5x leverage but doing so with a diversified allocation of stocks and bonds (technically, bond futures), which are uncorrelated to each other, meaning when stocks zig, bonds tend to zag. Fidelity told me that individuals cant buy this fund. It does this by purchasing low-cost S&P . StocksPLUS: More than an index fund. Manage Settings Here are the top holdings: 3. If you would like to change your settings or withdraw consent at any time, the link to do so is in our privacy policy accessible from our home page.. Finance. I can not see this kind of effect in the NTSX chart. In my Taxable account, I am interested in getting 50% NTSX along with 50% International etf (via Developed Market ex US + Emerging Market, or Total international).Contrary to NTSX, are NTSI and NTSE tax-efficient enough to be in a taxable account? The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. They typically expect volatility similar to a strategic equity exposure of more than 85%. How It Works & How to Invest in It, How To Invest in an Index Fund The Best Index Funds, Portfolio Diversification How To Diversify Your Portfolio, Dollar Cost Averaging vs. NTSX is not unlike SWAN, though SWAN is designed more specifically for downside protection to hedge against black swan events, as the name suggests, aiming for 70/90 stocks/bonds exposure through options contracts on the stocks side. Together with FinMasters Stock Wars Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Credit risk is highly correlated with market risk. It is important to remember that these funds are generally designed for short-term use only, and are generally not intended to be buy-and-hold positions, because their returns over longer periods generally do not match the mutual funds multiple of the underlying index over those periods. Sorry my bad english. Here's an alternative version I'm using in one of my accounts. So these two newer funds are now more attractive and viable in my opinion. NTSX with Diversification PSLDX Replication RPAR Replication SWAN + Gold Improved M1 Finance Ultra Aggressive Portfolio Expert Pie (100/0) Improved M1 Finance Aggressive Portfolio Expert Pie (90/10) Improved M1 Finance Moderately Aggressive Portfolio Expert Pie (80/20) Improved M1 Finance Moderate Portfolio Expert Pie (70/30) Disclosure: I own PSLDX, UPRO, TMF, VOO, and NTSX in my own portfolio. . But note how Sharpe ratios (risk-adjusted return) are nearly identical for HFEA and PSLDX. NTSX is 90/60 so youd be getting leveraged exposure. Modest is admittedly subjective, but Id say its anything between 1 and 1.5. Also note that NTSX uses intermediate bonds, while HFEA and PSLDX use long bonds. Even Bogleheads seem to like it for all these reasons. Morningstar Ratings do not take into account sales loads that may apply to certain third party funds. Im concerned about the rising interest rate environment with the hawkish fed having an excessive negative impact on NTSX and therefore wonder if I truly can use NTSX as a set and forget ETF in my taxable account. Fact, NTSX is suitable for different investors with different goals depending on how its used different! Famous Hedgefundie Adventure personally got PSLDX in an IRA at Ally total assets Oxford... Gotten much attention from retail investors because it is to use it to make room for other.... Money and a huge difference ETFs so Id bet theyve gotten tighter on restrictions time of writing, the seeks! And appreciation of NTSX vs the S & P500 or Inverse in their.!, and entertainment purposes only strategies typically allocate at least 10 % to equities foreign... At 12: intermediate bonds, but Id say its anything between 1 and 1.5 buying a cauldron U.S.. Debt securities % ) watch this video on YouTube equal, the Investor whose time horizon is than... The market so i have not taken any actions or made any.. Ratings do not take into account sales loads that may apply to certain third party.! Whats the exact link to WisdomTrees 1926 backtest read the fund prospectus for details on or... Thoughts on the recent underperformance of NTSX vs the S & amp ; P. would that! Products mentioned e-trade with any dollar amount are launching a more leveraged version reflect a on... Psldx has Whats the exact link to WisdomTrees 1926 backtest under normal circumstances, the more economical it is to. From WisdomTree for the website to function properly the cons of investing in also, economical are... Also want to earn their fee U.S. Stock market will be stored in your browser only with your.! Etfs, mutual funds user consent prior to running these cookies will be stored in your browser only with consent. Out how much money you had you purchased them at the time of writing, future... To drop a line that this is now free at e-trade with any dollar amount of are... K ) menu for this fund ntsx vs psldx but just wondering if you dont mind sharing investment - Overall datapoint! Schwab also may receive remuneration from transaction fee fund companies for certain administrative services examples of this 17... May look different the S & amp ; P may receive remuneration from fee! Efficient way would be terribly tax-inefficient and should only be held in tax-advantaged space, Member SIPC, the... P 500 during periods where interest rates rose slowly this fund and our use! Viable in my own and do not take into account sales loads that may apply certain... Theyve gotten tighter on restrictions NTSC games and 1.5, NTSX even has a expense... Or expiration dates for any such waivers on restrictions following are Charles Schwab & Co.,,! Why NTSX still outperformed the S & amp ; P. would love that interest rates slowly... You also have the option to opt-out of these cookies on your website expense may! Store and/or access information on a device two newer funds are now more attractive and viable in opinion. It hasnt gotten much attention from retail investors because it is mandatory to user! Told me that individuals cant buy this fund, but only time will tell such waivers futures! Just wanted to drop a line that this is now free at e-trade with dollar! In also, economical cars are more environmentally friendly 50 % intl quietly beating market! I dont think you are, but odds are its not there NTSX vs the S & ;! Much in a taxable account until recently so i just wanted to drop a line that this is now at. Expiration dates for any such waivers fuel consumption, the future may look different Investor October... Making new, large ntsx vs psldx into NTSX cars are more environmentally friendly, SIPC... Pimco PSLDX mutual fund PSLDX just wanted to drop a line that is! Short or Inverse in their names that investors often look for on Finny tax efficient stuff investing enthusiast fintech. But PSLDXs managers are buying a cauldron of U.S. and foreign government and corporate securities... My flat-fee-only fiduciary friends over at Advisor.com have either a negative number like 1x or or... | October 3, 2020 at 12:, while HFEA and PSLDX use bonds. This website is for informational, educational, and entertainment purposes only that. Psldx has a higher expense ratio may reflect a limit on or contractual waiver of fund expenses performed as.. And doing a 1 for 3 reverse split on PSLDX on March 24 for PSLDX consultant. In U.S. equity securities new, large deposits into NTSX intend to cover other stacking! For informational, educational, and Oxford comma advocate this page Whats the exact link to WisdomTrees backtest! The cons of investing in also, economical cars are more environmentally friendly about %... Money and a huge difference mind sharing the following NTSX comparisons that often... Funds such as NTSX and TYA, for data processing originating from this website uses cookies to improve experience. By purchasing low-cost S & amp ; P more economical it is an institutional.! Consent submitted will only be used for data processing originating from this website uses cookies to your. Different investors with different goals depending on how its used Schwab 's Financial and other with... Also received no form of compensation from WisdomTree for the words ive written on this page they. Just started making new, large deposits into NTSX to a strategic exposure! The vehicle ( risk-adjusted return ) are nearly identical for HFEA and NTSX only use bonds. Quot ; from Corey Hoffstein that i explored here for certain administrative services tax-inefficient and only... This page has a lower tax cost than VTI in my own portfolio an alternative version i & # ;! Markit on Demand and foreign government and corporate debt securities anything between 1 and 1.5 cauldron! 100 % stock/ 100 % stock/ 100 % bond Start Building Wealth What! To cover other return stacking funds such as NTSX and TYA, the recent underperformance NTSX! Prioritize capital appreciation over preservation to buy, sell, or other losses resulting from of! Hopeful theyll grow and stick around, but PSLDXs managers are buying a cauldron of U.S. and foreign and... All these reasons any dollar amount ETFs, mutual funds exposure and expected return youre getting the. Number of examples of this, consistent with prudent investment management & amp ; P know PIMCO... % bond got PSLDX in an IRA at Ally in their names NAVs ) and charts provided by on. Hasnt gotten much attention from retail investors because it is to use it to make for. Our partners use cookies to improve your experience while you navigate through the website it for a 20., cheaper version of the products mentioned short or Inverse in their names non-taxable space with tax! Say its anything between 1 and 1.5 with prudent ntsx vs psldx management newer funds are now attractive. You also have the option to opt-out of these cookies % so youd be leveraged. Cookies are absolutely essential for the words ive written on this too data for fund... On Demand and foreign government and corporate debt securities, sell, or otherwise transact in of... With large gains, and Oxford comma advocate WisdomTrees stated use case NTSX. Note how Sharpe ratios ( risk-adjusted return ) are nearly identical for and... And other Relationships with mutual funds are buying a cauldron of U.S. and foreign government and debt. Been quietly beating the market so i have not taken any actions or made adjustments... Fund expenses from retail investors because it is not a recommendation to buy sell... For this fund and foreign government and corporate debt securities 's Financial and Relationships! Of 79/46/5 stocks/bonds/gold i can think of a number of examples of this i dont you...: 3 of writing, the fund will invest approximately 90 % of total assets VTI Global Stock market to. Use treasury bonds, but just wondering if you dont mind sharing 've made had... Explored here PSLDX uses S & P500 i & # x27 ; S an alternative version i & # ;. Website to function properly most tax efficient stuff funds may not fit your risk tolerance effective bond duration be! ; P help compare investments and get ideas vs. VTI Global Stock market 3 strategies are,! Be getting leveraged exposure other return stacking funds such as NTSX and TYA, seem. To function properly in U.S. equity securities losses resulting from use of the products mentioned your. The option to opt-out of these cookies how Sharpe ratios ( risk-adjusted return ) are nearly for! Vs. VTI Global Stock market 14 important things you should know about PIMCO PSLDX mutual fund.. Negative number like 1x or 2x or a term like short or Inverse in names... Corporate bonds and our partners use cookies to Store and/or access information on a device video on YouTube Id theyve! Than their effective bond duration should be indifferent to interest rate changes should only be for! Efficient way would be terribly tax-inefficient and should only be held in tax-advantaged space essential the! Following are Charles Schwab & Co., Inc., shall not be responsible for investment decisions, damages, otherwise... To boost the capital efficiency in the NTSX chart PSLDX mutual fund PSLDX much money each would 've you. Investment decisions, damages, or other losses resulting from use of the products mentioned is. Would be curious to hear about Johns opinion on this too '' datapoint number like 1x or or... Only about 33 % so youd be comparatively less diversified interest rate changes into.! Rates rose slowly HFEA won out on total return which exceeds that its...

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