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There are decent cash like choices to cover short term uses without dipping into bond and equity buckets. Cash Money market short term CD are reasonable choices as others on this board have noted on another discussion.
Many 401k plans have a stable value fund (ER 0.2%) with a daily NAV of $1.00 and a yield slightly higher than money market. Government employees have a government investment securities that functional similar to money market. Don't know if 403b plans have similar choices.
There are decent cash like choices to cover short term uses without dipping into bond and equity buckets. Cash Money market short term CD are reasonable choices as others on this board have noted on another discussion.
Many 401k plans have a stable value fund (ER 0.2%) with a daily NAV of $1.00 and a yield slightly higher than money market. Government employees have a government investment securities that functional similar to money market. Don't know if 403b plans have similar choices.
CHS Preferred Shares (CHSCP, there are others but lets use CHSCP as an example) over the last 6 months.
I need a "bear fund" like I need a hole in my head. However, there are options out there in the fund universe for those who feel they can time markets consistently. Here's the Pro Funds link. Would expect fees and minimums to be high. However, compared to the huge gains to be made with good speculative calls, fees should seem trivial. http://www.profunds.com/funds/
Gotta like this: "ProFunds' indexed mutual fund portfolios were designed to accommodate frequent trading and large movements of assets in and out of the ProFunds. ProFunds seeks to invest cash flows on a daily basis in order to remain fully invested and minimize the impact of frequent trading."
Comments
Many 401k plans have a stable value fund (ER 0.2%) with a daily NAV of $1.00 and a yield slightly higher than money market. Government employees have a government investment securities that functional similar to money market. Don't know if 403b plans have similar choices.
CHS Preferred Shares (CHSCP, there are others but lets use CHSCP as an example) over the last 6 months.
http://finance.yahoo.com/echarts?s=CHSCP+Interactive#{"range":"6mo","allowChartStacking":true}
Take it out to 10 years.
http://finance.yahoo.com/echarts?s=CHSCP+Interactive#{"range":"10y","allowChartStacking":true}
Plus a 6.5% yield currently.
Gotta like this: "ProFunds' indexed mutual fund portfolios were designed to accommodate frequent trading and large movements of assets in and out of the ProFunds. ProFunds seeks to invest cash flows on a daily basis in order to remain fully invested and minimize the impact of frequent trading."