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Keep going......

Originally posted by DeBolt Originally posted by BioFreeze Here's the gold Audemars Piguet and the key to the Benz, bankboy. You'll have to open a lot of checking accounts to get this stuff... Good grief that watch screams Bio-sleeze... Gold is old and that watch looks 20 y/o, you gotta get on the platinum train man. You see any rappers with gold in their mouth any more?   p.s. nice ride though if you got the AMG package?...

Originally posted by B24 This opinion would not be popular with the writers at Money or Fortune or mostly any other financial columnist (that has never done anything in the investment world), but I feel sometimes too much emphasis is placed on expense ratios.  A share loads aside, unless you are comparing two similar funds (like a large cap value fund), you really have to look at the performance and consistency of...

LSUAlum, thank you for your response. I asked the question, albeit maybe not with the best choice of words, to see how other professionals respond when handed the same question from prospects and DYIers. For the record, I am a Rep and fully aware of how 12b-1 fees are composed, how active and passive funds are different, and how both types can be beneficial for clients. After reading this forum for some time, I finally asked a simple question...

Originally posted by AGEMAN Originally posted by ChrisVarick Chief, I agree, there are some no-load funds that are lower in operating expenses than A share funds. What do you say to clients that want to use no-load funds? I would tell them I can do no-load funds and institutional shares in a fee based account.  If they don't think my advice is worth 1-1.25% then they should go direct with Vanguard or Fidelity.  ditto

What have you guys been using for the core part of your client's portfolios?   I personally like:   AMF Capital Income Builder Ja*** Balanced Fund Fidelity Contrafund Fidelity Midcap T. Rowe Price Midcap Value T. Rowe Price Capital Appreciation Franklin Mutual Discovery   I am not able to do fee based planning yet (due to tenure) at my insurance firm therefore I am stuck to selling loaded funds. I have...

This opinion would not be popular with the writers at Money or Fortune or mostly any other financial columnist (that has never done anything in the investment world), but I feel sometimes too much emphasis is placed on expense ratios.  A share loads aside, unless you are comparing two similar funds (like a large cap value fund), you really have to look at the performance and consistency of performance.  I'll give an...

Originally posted by optimist LSUAlum, thank you for your response. I asked the question, albeit maybe not with the best choice of words, to see how other professionals respond when handed the same question from prospects and DYIers. For the record, I am a Rep and fully aware of how 12b-1 fees are composed, how active and passive funds are different, and how both types can be beneficial for clients. After reading this forum for some time, I...

So what are you talking about?  That is a very serious charge and you better have all of your facts in place.

Originally posted by anonymous Snags, I'm having trouble understanding how his tax bracket won't change.  What is his current income?   Current income is around $70k filing as a single person.  At worst, he'll be bumped up from 25% to 28% if too much is converted.   But, he will be in the same tax bracket in retirement as he needs pretty close to his current income in retirement.  ...