<p>The low-power states on Haswell are insanely low on their mobile processors. The lowest states range from 0.04 to 0.1 watts (depending on the processor). I guess that’s where the much longer battery life on the new MacBook Air models come from.</p>
<p>^^That first article sounds to me like they are confused. If the “experts” are confused, than the common investor is completely lost.</p>
<p>I sold all my inflation adjusted funds today. Seemed like a decent tradeoff-put it into a fund that returns a couple percent safely, instead of taking the chance that rates go up and it crashes. Not worth the gamble. Thanks for the suggestion about buying TBT and covered calls, but this is just 401K money that is limited to a rather small number of funds, and I can’t sell options on them.</p>
<p>Which fund safely returns 2 percent?</p>
<p>VWINX! vanguard wellesley</p>
<p>Vwinx…</p>
<p>“Risk
The fund is vulnerable to rising interest rates because of its long-term bond holdings. On the equity side, the managers pursue a fairly strict value strategy, which can cause the fund to lag behind peers during big rallies.”</p>
<p>“You Can’t Have 100% Security & 100% Privacy… We’re going to have to make some choices.” Oooops, Wrong quote. You can’t have 100% security and 100% gains…We’re going to have to compromise one’s risk tolerance with one’s goal. Once upon a time I had one year CDs yielding 8%. When will I see that CD again?</p>
<p>I asked about a safe 2 percent return. </p>
<p>Another poster mentioned a safe couple of percent return. I want to see the fund that provides that. </p>
<p>Vwinx is pretty safe. The securities probably won’t go bust.
There is interest rate risk in that fund. I haven 't checked the duration of the bond portfolio but there is risk with rising interest rates.</p>
<p>What about this dstark? [ProShares</a> ETFs: High Yield?Interest Rate Hedged ? Index/Benchmark](<a href=“http://www.proshares.com/funds/hyhg_index.html]ProShares”>HYHG | High Yield - Interest Rate Hedged ETF | ProShares)</p>
<p>I don’t think any fund is ever guaranteed, but Vanguard Retirement Savings Trust is extremely stable, low risk, hasn’t returned less than 2% since inception in 1989. Has returned significantly more. Though it says a min of 1 million, through my company plan there is no minimum.</p>
<p>Krillies, I hope that product is not being sold as a low risk product. That would be a lie.</p>
<p>There is a relationship between high yield corporates and treasuries but that relationship is not fixed. The relationsip varies. </p>
<p>For example, high yield corporates may yield 3 to x percent more than treasuries. </p>
<p>What happens if high yield corporates decline more in price than treasuries? </p>
<p>The 7 year duration helps control the losses but you cam lose.</p>
<p>Here is an interesting link.</p>
<p>[History</a> Repeats Itself In The High-Yield Bond Market - Seeking Alpha](<a href=“Seeking Alpha | Stock Market Analysis & Tools for Investors”>Seeking Alpha | Stock Market Analysis & Tools for Investors)</p>
<p>Seeing some articles expecting a big flight to safety (US Stocks) late 2013 from other countries.</p>
<p>I missed this story.
[Morgan</a> Stanley sued over $5m super losses | theage.com.au](<a href=“http://m.theage.com.au/business/morgan-stanley-sued-over-5m-super-losses-20130519-2jurh.html]Morgan”>Morgan Stanley sued over $5m super losses)</p>
<p>Japan bugs me. Maybe because I am invested in Japan. Lol
I don’t like the price action in Japan. Too much speculation. The market feels different in the US. Might just be the summer nonsense. Market feels heavy.</p>
<p>That first link in post 7940 bugs me too. Because I think the writer is correct.</p>
<p>I thought that churning went out of style in the early 2000s as the SEC cracked down on it. I guess bad behavior just keeps coming back. I wonder why MS doesn’t just make good on their former clients - seems to be a pretty open and shut case. I hope arbitration sees it that way too. This is why I don’t like mutual funds, brokers and advisers that have control of your accounts.</p>
<p>I can lose money just fine on my own. I don’t have to pay someone else to do it for me.</p>
<p>IBD says Market in Correction. I guess that will cause the market to go start going up.:)</p>
<p>IBD… :)</p>
<p>I prefer to lose my money myself too…</p>
<p>I don’t know why MS is not settling those option cases either.</p>
<p>They made almost $1B in Q1 but 2012 wasn’t good for them. $5M shouldn’t be a big deal unless there are other customers in the same situation. I’m curious about the other customers that worked with this particular broker.</p>
<p>BCEagle91, I think you make a good point about other customers…</p>
<p>There are quite a few pieces about rising interest rates. This is just one…</p>
<p>[In</a> a Shift, Interest Rates Are Rising - NYTimes.com](<a href=“In a Shift, Interest Rates Are Rising - The New York Times”>In a Shift, Interest Rates Are Rising - The New York Times)</p>
<p>This is Morgan Stanley in Australia. We had cases of churning in the US back in the early 2000s and I assumed that the brokers in the United States cleaned up their act. It appears that this is a problem in Australia.</p>
<p>These accounts are Superannuation accounts and I’m familiar with them. Australia requires employees and employers to make large contributions to Superannuation accounts for their retirements. It’s pretty reprehensible that a broker would do this sort of thing to retirement accounts. The broker received about $500K in commissions. I would expect some legal protections for customers in the future since the government requires these accounts to be funded by employees and employers.</p>
<p>Morgan Stanley is going to vigorously defend itself.</p>
<p>Just another big US bank behaving badly.</p>
<p>The broker appears to still be working there.</p>
<p>Churning might be declining but it still exists.</p>
<p>Every case doesn’t get to Finra either.</p>
<p>[Dispute</a> Resolution Statistics - FINRA](<a href=“http://www.finra.org/ArbitrationAndMediation/FINRADisputeResolution/AdditionalResources/Statistics/]Dispute”>http://www.finra.org/ArbitrationAndMediation/FINRADisputeResolution/AdditionalResources/Statistics/)</p>
<p>[Developing</a> Nations’ Edge Over U.S. in Manufacturing Costs Shrinks - WSJ.com](<a href=“Developing Nations' Edge Over U.S. in Manufacturing Costs Shrinks - WSJ”>Developing Nations' Edge Over U.S. in Manufacturing Costs Shrinks - WSJ)</p>
<p>“Producing goods remains less expensive in emerging nations such as China and Thailand than in the U.S., according to data from Boston Consulting Group, but the gap has closed: In 2003 manufacturing costs were 18% lower in China than in the U.S., but the difference has narrowed to 7% this year. The gap is closing in part because labor and energy are becoming more expensive in China relative to the U.S.”</p>