Investing - Theory, News & General • Re: Long term TIPS real yield at 3%
Literally, every single TIPS fund purchase I've ever made currently has negative gains.Same.I started building my ladder in 2022 and built the bulk of it in 2023. I have just been padding it , and...
View ArticleInvesting - Theory, News & General • Re: Is short-term treasuries with...
Saving .03% isn't unlike credit card rewards. Easy money.If coupon interest is to be reinvested, then the lost return from delays in reinvesting coupon interest in the DIY ladder will exceed .03%. A...
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Investing - Theory, News & General • Re: What's up (or down) with TIPS?
The next TIPS auction is not a reopening. It's a new issue maturing Oct 2031I don't understand the fascination with auctions. Unless you specifically want a TIPS maturing in October of 2031, there are...
View ArticleInvesting - Theory, News & General • Re: Bond Bear Market?
Best time to buy into bond funds in decades. The NAV are at historic lows and yields are at decades highs. Rejoice.the thing about bond bear markets is that you can wait a few months and get even...
View ArticleInvesting - Theory, News & General • Re: 80% stocks and 20% cash is...
[rant]Maybe the people who are shocked, surprised and dismayed are those who are no longer long term investors (e.g. retirees, decumulators) who were lead to believe that bonds, particularly the...
View ArticleInvesting - Theory, News & General • Re: What does the Warren Buffett...
I hate to present evidence against my own firm beliefs, but I did find a posting that contains what people have cited as evidence that Warren Buffett meant it to be general advice:Here.After talking...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
I currently have around $57k worth of I Bonds at a 0% fixed rate that I'd like to swap out when the rate resets next month. Would my best course of action be to sell them all and then buy $10k for...
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Investing - Theory, News & General • Re: DoE for 3 Investment Factors in...
There may be interaction effects beween AA and savings rateYou can see the contrast-size for main effects, and 2-way & 3-way interactions in Figure 1 for accumulation (and Figure 2 for...
View ArticleInvesting - Theory, News & General • Re: Purchasing MYGAs (multi year...
gainbridge has just fielded a new flexible premium deferred annuity, “retirement flex.” deposits go into a $100 min 3.25% mmf “cash wallet” that is without surrender fee or mva, from which you can...
View ArticleInvesting - Theory, News & General • Re: Bill Gross recommends 100% cash...
I’m not sure why, but it seems like recently there are a ton of media and noise about “getting out of bonds” / “don’t buy bonds”…..Are these media stories really only looking at a capital appreciation...
View ArticleInvesting - Theory, News & General • Re: Boglehead acronyms
Most of us are familiar with the "SWAN" (Sleep Well At Night) acronym meaning we're comfortable with our overall financial plan and risk profile. It's sometimes harder to remember the risk variables,...
View ArticleInvesting - Theory, News & General • Re: Is short-term treasuries with...
A short-term Treasury fund is very stable. Look at SGOV, for example. Its price history, even over five years, has little variation. It's far more convenient if you need the money at any point.One...
View ArticleInvesting - Theory, News & General • Boglehead acronyms
Most of us are familiar with the "SWAN" (Sleep Well At Night) acronym meaning we're comfortable with our overall financial plan and risk profile. It's sometimes harder to remember the risk variables,...
View ArticleInvesting - Theory, News & General • Re: 80% stocks and 20% cash is...
But why is it better (this is a question) to have a more volatile *portfolio* so that one *piece* of the portfolio is less volatile? I don't see why that is a win.You are right, it’s most definitely...
View ArticleInvesting - Theory, News & General • Re: How should bogleheads take “more...
Add risk that isn't stock market risk.Yeah, ARCNX or maybe VCMDX. Arguably VMNFX.You don't even need to get that fancy.You can take on credit risk via IG/HY.Or boring gold.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
WF $2500/$250k for 90 days live again with web link generating bonus code:https://accountoffers.wellsfargo.com/premierupgrade/DOC "Update 10/7/26: Offer is back at this link. If it doesn’t work copy...
View ArticleInvesting - Theory, News & General • Re: PSA: bond market closed, stock...
One of those weird holidays when the bond market is closed but the stock market is open. I had forgotten this, so was surprised to see Oct 9 as the market update date and Oct 13 as the settlement date...
View ArticleInvesting - Theory, News & General • Re: What does the Warren Buffett...
There are articles about Warren Buffetts advice to simply maintain a 90% equities 10% treasury bonds allocation.I am not interested in arguing the merits of his recommendation but rather how would you...
View ArticleInvesting - Theory, News & General • Re: interest rates
My crystal ball is not very good. The war in Iran could end and bond prices drop. Or inflation could go up and rates rise. Or we go into a recession and quantitative easing starts. Or something else,...
View ArticleInvesting - Theory, News & General • Re: No equities allow higher...
That's why you also buy into a tontine.Wish I could!Statistics: Posted by Lawrence of Suburbia — Mon Oct 12, 2026 1:05 am
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