BOND
PIMCO Active Bond Exchange-Traded Fund
stock NYSE ETF

YES. April 2025 he didn't flinch when stock market crashed, he flinched when BOND MARKET started acting up.
I keep telling people, you do not. fuck. with. the bond market.

Hello, here is the list of investment options available in my Fidelity 401(k). Based on these options, what would you consider the ideal retirement portfolio?
ABF LG CAP VAL INV (AAGPX)
DFA US CORE EQ 1 I(DFEOX)
DFA US LARGE COMPANY(DFUSX)
DFA US LG CAP EQ IS(DUSQX)
DFA US LG CAP VAL(DFLVX)
FID CONTRAFUND(FCNTX)
FID GROWTH COMPANY(FDGRX)
FID MID CAP STOCK(FMCSX)
DFA US SM CAP VALUE(DFSVX)
DFA US TARGET VAL I(DFFVX)
VANG SMCP GR IDX ADM(VSGAX)
DFA EMRG MKT CORE EQ(DFCEX)
DFA GLBL EQUITY INST(DGEIX)
DFA INTL CORE EQ I(DFIEX)
FID DIVERSIFD INTL(FDIVX)
FID LOW PRICED STK(FLPSX)
DFA GLOB REAL ESTATE(DFGEX)
FID REAL ESTATE INVS(FRESX)
DFA GLB ALLO 25/75 I(DGTSX)
DFA GLB ALLO 60/40 I(DGSIX)
FID FREEDOM 2010 K6(FOTKX)
FID FREEDOM 2015 K6(FPTKX)
FID FREEDOM 2020 K6(FATKX)
FID FREEDOM 2025 K6(FDTKX)
FID FREEDOM 2030 K6(FGTKX)
FID FREEDOM 2035 K6(FWTKX)
FID FREEDOM 2040 K6(FHTKX)
FID FREEDOM 2045 K6(FJTKX)
FID FREEDOM 2050 K6(FZTKX)
FID FREEDOM 2055 K6(FCTKX)
FID FREEDOM 2060 K6(FVTKX)
FID FREEDOM 2065 K6(FFSZX)
FID FREEDOM 2070 K6(FRBHX)
FID FREEDOM RETIR K6(FYTKX)
MIP CL 1
DFA INF PRT SEC PORT(DIPSX)
DFA INVT GRD PORT IS(DFAPX)
DFA IT EXTND QLTY IS(DFTEX)
DFA ST EXT QUAL INST(DFEQX)
FID CAPITAL & INCOME(FAGIX)
FID TOTAL BOND(FTBFX)
PIMCO TOT RETURN ADM(PTRAX)
DFA 5YR GLB FX INC I(DFGBX)
DFA COMM STRATEGY I(DCMSX)

The Banking Act of 1935 requires at least 4 meetings per year. So, what he will essentially do is relinquish control of Rates and turn that job over to the BOND MARKET Traders. SO lets SEE:
1- mortgages are typically 150-200bps over the current 10yld. Current mortgage rate is 6.70% , 10ys. closed at 4.72% on Friday.
2- Credit Cards - Rate based on Prime Rate, which right now is 6.75%....THEN, Lenders add a fixed percentage (margin) to the Prime Rate based on market competition and risk. National AVG. today is 22%....
Effective federal funds rate , now, is 3.63% and short-term Treasury bills averaging around 3.70%–4.02%
Typically Fed Fund changes take on average about 6 months to woprk their way through the system, so changes are more Psychological han practical.

YES. April 2025 he didn't flinch when stock market crashed, he flinched when BOND MARKET started acting up.
I keep telling people, you do not. fuck. with. the bond market.

Hello, here is the list of investment options available in my Fidelity 401(k). Based on these options, what would you consider the ideal retirement portfolio?
ABF LG CAP VAL INV (AAGPX)
DFA US CORE EQ 1 I(DFEOX)
DFA US LARGE COMPANY(DFUSX)
DFA US LG CAP EQ IS(DUSQX)
DFA US LG CAP VAL(DFLVX)
FID CONTRAFUND(FCNTX)
FID GROWTH COMPANY(FDGRX)
FID MID CAP STOCK(FMCSX)
DFA US SM CAP VALUE(DFSVX)
DFA US TARGET VAL I(DFFVX)
VANG SMCP GR IDX ADM(VSGAX)
DFA EMRG MKT CORE EQ(DFCEX)
DFA GLBL EQUITY INST(DGEIX)
DFA INTL CORE EQ I(DFIEX)
FID DIVERSIFD INTL(FDIVX)
FID LOW PRICED STK(FLPSX)
DFA GLOB REAL ESTATE(DFGEX)
FID REAL ESTATE INVS(FRESX)
DFA GLB ALLO 25/75 I(DGTSX)
DFA GLB ALLO 60/40 I(DGSIX)
FID FREEDOM 2010 K6(FOTKX)
FID FREEDOM 2015 K6(FPTKX)
FID FREEDOM 2020 K6(FATKX)
FID FREEDOM 2025 K6(FDTKX)
FID FREEDOM 2030 K6(FGTKX)
FID FREEDOM 2035 K6(FWTKX)
FID FREEDOM 2040 K6(FHTKX)
FID FREEDOM 2045 K6(FJTKX)
FID FREEDOM 2050 K6(FZTKX)
FID FREEDOM 2055 K6(FCTKX)
FID FREEDOM 2060 K6(FVTKX)
FID FREEDOM 2065 K6(FFSZX)
FID FREEDOM 2070 K6(FRBHX)
FID FREEDOM RETIR K6(FYTKX)
MIP CL 1
DFA INF PRT SEC PORT(DIPSX)
DFA INVT GRD PORT IS(DFAPX)
DFA IT EXTND QLTY IS(DFTEX)
DFA ST EXT QUAL INST(DFEQX)
FID CAPITAL & INCOME(FAGIX)
FID TOTAL BOND(FTBFX)
PIMCO TOT RETURN ADM(PTRAX)
DFA 5YR GLB FX INC I(DFGBX)
DFA COMM STRATEGY I(DCMSX)

The Banking Act of 1935 requires at least 4 meetings per year. So, what he will essentially do is relinquish control of Rates and turn that job over to the BOND MARKET Traders. SO lets SEE:
1- mortgages are typically 150-200bps over the current 10yld. Current mortgage rate is 6.70% , 10ys. closed at 4.72% on Friday.
2- Credit Cards - Rate based on Prime Rate, which right now is 6.75%....THEN, Lenders add a fixed percentage (margin) to the Prime Rate based on market competition and risk. National AVG. today is 22%....
Effective federal funds rate , now, is 3.63% and short-term Treasury bills averaging around 3.70%–4.02%
Typically Fed Fund changes take on average about 6 months to woprk their way through the system, so changes are more Psychological han practical.