↧
Investing - Theory, News & General • Re: Comparing T-Bills to Ultra Short...
Are there any funds which are treasuries, duration somewhere in 3-12 months?BILS - SPDR® Bloomberg 3-12 Month T-Bill ETF https://www.ssga.com/us/en/intermediary ... lsrc=aw.dsStatistics: Posted by...
View ArticleInvesting - Theory, News & General • Re: How long should a retiree's TIPS...
It should probably be mentioned that until today, it was never assumed that a retiree would/should have a TIPS ladder. And realistically it still isn't, but it does seem to be the Boglehead...
View ArticleInvesting - Theory, News & General • Re: Why Include Bonds in your...
It seems the Debbie downers are out and about. The thing to remember is that if you're dead, longevity doesn't matter, and trust me, you won't care either way.However, if you do live long enough to...
View ArticleInvesting - Theory, News & General • Re: Best book to convince someone...
I think stock market investing is a gamble as much as life is. We choose a career, a spouse, have kids, buy a house, and a car. No one knows how any of the choices will turn out. Investing is just...
View ArticleInvesting - Theory, News & General • Re: Margin Accounts - Avoiding...
for IBKR with no stock yield opt-in, i'm getting around 10% (perhaps up to 20%) of my dividends as dividends-in-lieu; overall a small partThis is for ITOT, VTI, and VXUSOne quarter, i opted in to...
View ArticleInvesting - Theory, News & General • Re: Now that long TIPS yields have...
At what minimum real yield are long TIPS worth buying?I've been using TIPS coupons to buy more LTPZ lately, with a bunch more to come on October 15, so I guess 1.94% (20-year close today) is good...
View Article
Image may be NSFW.
Clik here to view.
Clik here to view.
Investing - Theory, News & General • Re: For stocks, you can set it and...
I am simply more comfortable having an inflation adjusted income stream that will adjust for inflation as it occurs which will cover the majority of my known non-lumpy expenses. Historically, in the...
View ArticleInvesting - Theory, News & General • Re: After 2022-23, how are we...
The appropriate time to judge that 2019 post by Vineviz is something closer to 2034, not 2024They are “long term bonds”, not “5 year bonds.” Folks just not being able to wrap their heads around that...
View ArticleInvesting - Theory, News & General • Re: I Bond predicted real rate for...
CPI data will be released tomorrow, so that will be the final clue.That doesn't really have any impact on the real rate - that determines the variable component of the nominal rate.Statistics: Posted...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
Tradeup has a 90 day forfeiture clause, which requires not transferring out until 90 days have passed from the (last?) bonus payment. If you ACATS in now, the soonest quarter end after the initial 90...
View ArticleInvesting - Theory, News & General • Re: Why hold nominal bonds at all?...
I actually agree with you OP. I think most individual investors should hold all of their fixed income in TIPS (and I bonds), with the possible exception of liability-matching a mortgage.Statistics:...
View ArticleInvesting - Theory, News & General • Re: Point of Roth 401k contributions...
I gave the scenario where you’d consider going all Roth - low marginal tax bracket (10-15%).This low of a marginal bracket means you’re likely married and living a very frugal lifestyle to be able to...
View ArticleInvesting - Theory, News & General • Re: New tool for building a TIPS ladder
How about "Duration matched pair of bonds" as a new entry for the drop-down box labeled "Which TIPS to use to fund a year without a maturing TIPS:"?It might work something like this. The duration for...
View ArticleInvesting - Theory, News & General • Re: Latest Roth conversion paper
I like that the paper confirms my situation. We are in 12% now in retirement before DW's Social Security and both our RMDs begin. We will be in 22% (25% if tax rates revert in 2026) after those...
View ArticleInvesting - Theory, News & General • Re: Why hold nominal bonds at all?...
Your $100 in a tax deferred account with a 25% tax rate is only worth $75 post tax (after withdrawal) not $100. To me you need a $103 pre tax, not post tax, which is exactly what you have. You need to...
View ArticleInvesting - Theory, News & General • Re: Can someone explain what...
The question is why would anyone sell that low?After hours market order. Market orders are all subject to that sort of event, but during the day for most things you'd expect somebody to be standing in...
View ArticleInvesting - Theory, News & General • Re-fi HELOC (7%) with box spread...
We used a HELOC to finance a remodel when rates were low in 20-21 (Third Federal, Prime - 1%), approx 7%.Box spreads are about 4-5% up to 1 year out, and we could continue to "roll" these to be...
View ArticleInvesting - Theory, News & General • Re: 16 years before Dow came back??!!
1966 - 1995 represent pretty much the darkest path in Bill Bengen's 4% rule. From 1966 to 1985, S&P 500 returned a 6.8% on an inflation of 6.8%, giving a real return of 0%. The damage was bad...
View ArticleInvesting - Theory, News & General • Re: Does a T-bill earn interest on...
As an example, I may purchase a T-bill for $10000 at a discount of $9050. When it matures, I get a 1099-INT for $50 in the year that it matures.Statistics: Posted by gavinsiu — Sat Oct 12, 2024 11:25 pm
View ArticleInvesting - Theory, News & General • Re: Do you stay the course AFTER...
Winning the game means you invest in low/no risk assets thus you are staying a course to maintain winning…just because you won at a certain time doesn’t mean it’s overStatistics: Posted by Dpmbball —...
View Article