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Sven
Lynn,
Thank you so much. I am planning on a 3-year ladder since I am a year away from retirement. Lots of spreadsheet work to calculate the income replacement needed. This ladder will create a steady income stream. So thank you for all your help.
I moved back to high quality bond funds this year. Some of which you covered in the SA article. For now, I will stay with agency bonds to the bond ladder. I will pick active managers for corporate bonds.
Sven
I am very sure that only short term loss can offset short term gain. Same goes for long term gain and loss.
The long term capital gains tax rate is 0%, 15% or 20% on most assets held for longer than a year. Short term capital gains taxes on asset…
I am selling those with negative cost basis (preferably all long term cap gain) but we don’t have many despite a poor year. Quickly we buy the equivalent ETFs to avoid future headache.
Donation is always good at this time.
The next rate hike will be in December’s FOMC meeting; most likely 50 bps. So the CDs will rise above 4.7% in mid December. I would add more CDs and treasury bills at that point.
Also there are several more rounds of rate hikes coming next year.…
Moving from Investor shares to Admiral shares at Vanguard is not considered a taxable event. The total value of the account is converted to the new Admiral share’s NAV. Nothing was sold and bought. I wonder if that can only be done at TRP.
Sharing on how to import images helps everyone. Here is how I do it on Chrome or Safari browsers:
1. click on the image in the article and it brings up an URL on the browser bar above.
2. copy the URL and paste into the green "picture" icon abov…
There are several more rounds of rate hikes coming through 2023. Recent October CPI and PPI data are encouraging that indicate inflation is slowing. Even at 7.2% it is still quite high. Additional data from November would ensure a lower rate hike i…
Thank you. The article helps to better understand the mechanics of trading on secondary market with different brokerages. Smaller lots cost a bit more in terms of bid prices and lower yields. Liquidity of treasury market is huge and thus it makes …
Another data point indicating that inflation is slowing. Treasury yields fell few basis points.
Another month of CPI and PPI improving data would help to slow rate hike in Dec.
Please be patient. Saw more 2-3 yrs non-callable CDs today at Fidelity; less offering at Vanguard.
Auction today for 13 week and 26 weeks treasury bills are yielding 4.2% and 4.6%, respectively.
Brainard mentioned today that a slower rate hike pace is possible. Really need more data point to get the rest to buy in. Timing is the question.
Seeing big layoffs in tech companies but it may take some time before it apprears in the unemployment…
The other advantage of treasuries is liquidity, so that you can go sell readily in secondary market if you need cash. Also you can buy lots of them in auction or in secondary market.
One can also build a treasury ladder with 13 week, 26 week and …
NYTimes is behind a paywall. However, Paul Krugman articles can be find in Apple News subscribers. Type in his name and search. Think this is the twitters posting davidmoran from earlier.
https://markets.businessinsider.com/news/stocks/paul-krug…
The terminal rate is projected to be 5.00-5.25% if the Fed maintains their path of rate hike. That is the worse scenario if the inflation fails to response to the rate hikes. Now there is an indication that it is slowing, and a more moderate pace c…
JD_co and Old_Joe, you two are too fast. Most of the 2-3 year non-callable CDs you mentioned are all gone by the time I got to my brokerage. Will wait for next week.
Many things happened. The dollar weakened today against major currencies so ma…
Today's CPI and core CPI numbers suggested inflation may have peaked and likely to fall further. Imagine if the numbers came out on the opposite side?
This implies next rate hike will be smaller, 50 bps in December and taper down to 25-25-25 fo…
@JD_co, I started a new discussion on October’s CPI #.
https://mutualfundobserver.com/discuss/discussion/60263/october-inflation-report-price-pressures-show-signs-of-cooling#latest
Thanks for the heads up news on CD rates that react quickly. Are …
TROW has not done well this year, so I am glad to see it turning around. Also Cathy Woods’ ARKK ETF which is up 13% ! But this ETF is still down 60% for the year.
Today is just one data point and there is still a way to go. Earning reports ind…
The S&P500 was up 4% this morning. The 2 yr and 10 yr treasury yields also dropped that move that the broader bond index upward. It is encouraging to all investors.
The Fed rate is at 4.0% after November rate hike. If the Fed terminal rate is over 5%, it implies that there are more downside to junk bonds going forward.
I would rather buy Treasuries (not funds) and CDs and hold them to maturity in order to get…
Although it is all about the math, both are important to keep things in perspective. The % number gives you a broad view on the portfolio and the $ value provides an absolute number that we can relate to.
TUHUX ranked on top quartile in 2019 and 2020, but it ranked in the bottom quartile this year! Being ranked 95% among HY category may help a bit. As of 11/4/22, YTD return of BND is down -16.1% and TUHYX is down -16.7% (and that is too much for me…
I can understand your concern. Rest be sure that what you do your devices do not get report back to the manufacturers. Same goes like what you use the internet and where you go and so fourth. If you don’t want someone to track your whereabouts at a…
