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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
Learned my 2008 lesson and hold NO risky debt this year.
France and former ambassador, Henry Kissinger, want Ukraine to negotiate a deal; basically give up part of eastern region. Ukraine refused as long they get arm support from the west.
On th…
This year USD has been strong against many currencies. Also flight to safety I stress times also account for that. Learned that lesson from 2008 - EM debts fall like equity! In addition, those EM debts with sizable Russian exposure are added to th…
5 year TIPS auction is coming next week as @yogibb mentioned in earlier post. Here is more info from TIPWatch.
https://tipswatch.com/2022/06/14/attention-investors-tips-are-now-a-viable-attractive-alternative-to-i-bonds/#comments
I am planning to…
@hank, think there are more downside coming with several more rate hikes in 2022. Higher rates put pressure on stocks, especially tech stocks as shown in NASDAQ. This stock reversal reflects recession fear.
Better to focus on I bonds, individual TI…
There may be a concern of aggressive rate hike only hasten a recession. Seeing layoff now in some mortgage industry. When this spreads to the broader workforce in the future, that can spell problem.
S&P500 is up 1.3% on Wednesday morning. Will see later what % the rate hike is. Many traders are leaning toward 75 bps.
Wonder if the rate hike will improve the already bearish investor sentiment?
CDs are attractive relative to money market. The 18-month ladder that @Tarwheel suggested is near the sweet spot. When the rates go higher later this year (several more rate hikes are anticipated), start a second CD-ladder. Will check out our local…
Buying CD ladder makes sense as partial replacement of money market in the cash bucket. The shorter end looks attractive. After the June rate hike, the CD rates will likely to increase. Recalled that CDs were paying double digits back in the 70’s,…
Thanks for the Stockcharts plots that are helpful to see the differences between VTIP and TIP.
One can buy individual TIPS from their brokerages. New issues are available based on the auction schedule. Here is more information from Fidelity.
You…
That decision came from CDC.
The official said the Centers for Disease Control and Prevention had determined the requirement was no longer needed.
Airlines dropped their face mask requirement due to violent customers.
In fall 2019 when COVID s…
Giruox has been a master in using bond & cash positions to counteract his equity risk. His goal is to provide equity-like return while maintain below market risk over a 5 years period.
Krane strategy seems to be to throw stuff at the wall and see what sticks.
It appears Krane is all about asset gathering. That is not a compelling and winning strategy.
How many 50 bps rate hike depends on the PCE number that the Fed is tracking. The 2% target may need to shift upward. The root cause of this inflation is more complex than that of the 70’s. Today we are facing supply chain disruption, war, wages,…
Thanks @Crash. He is not happy with Amazon on several fronts. Retail sale and cloud service are flat. Hard to justify the high valuation going forward. Now it is at 3.6%.
The stock allocation in the fund is at 64%, a bit lower than the past w…
The news is widely reported. Try this.
https://wraltechwire.com/2022/06/07/robinhood-other-trading-apps-might-get-bad-news-soon-as-sec-may-change-rules/
Beware that ZH is Russian-tilted site. Many old posters here avoid it.
That is NRA's talking point. Teachers are already under-paid. Now they want them to take on additional life and death risk as armed teachers. That is absolutely nuts!
The other option is put minimum into tsp 6% (not 17 18%) and transfer all new incomes into private ira
Not sure what private IRA you are referring to. Think you need to look at the actual $ amount allow in 401(k) contribution, not % of your salar…
In-service rollovers to T-IRA are allowed by TSP. Not many retirement plans allow that. 401k/403b vs T-IRA involves other issues covered elsewhere (TSP is formally not 401k, but follows similar rules).
Yes, one can rollover their TSP account to a …
There is a fixed administrative cost the employers pay for their employees to the plan administrators. It appears the government want to employees to pay for most of it and that is why you are seeing two layers of fees. Personally this is a losing …
derivatives funds
I think you meant actively managed funds. The fees are too high to be worthwhile.
If the government wants to be competitive. They have to offer solid performing funds with low fees, i.e. institutional shares, without transacti…
This trend of high mortgage rates and high home prices cannot persist forever. Home sale and mortgage application have been declining for several months. Because there is limited inventory of houses for sale, the pricing still climbs in certain par…
Not sure what you are seeking. Vanguard has a very basic comparison tool for their funds and other families. It provides 1, 3, 5, and 10 years performance, top 10 holdings, sector invested, historical volatility, expense ratio and minimum $ requir…
The oversea version of SCHD, which is SCHY, is only 2 years old. SCHD has a longer track record.
@yogibb provided a good list. Also CDC and VG Dividend Growth, VGIDX. It is a good idea to review the sectors invested that may reveal how the fund…
Many long haulers from COVID cannot return to work even if they want too. Often they start collecting disability. The work force is returning but not at the pre-pandemic level as manufacturing and construction are still have a way to reach full ca…
The police on-site waited outside for 60 minutes instead of going inside to pursue the “active shooter”. Don’t buy the story on how the situation changed from active shooter to a barricaded situation. I believe the police made a terrible error of …
bear market rally
That is for sure. Will see if this will advance tomorrow and weeks after. YTD, the US, developed and emerging markets are still down 14.4%, 11.6% and 13.6%, respectively. Bond index is also down 8.6%. So it will take some time t…
@BenWP, sorry to be late in replying. Awhile back I was in similar situation as you on subscribing SA and finally decided not too for other reasons. Since I subscribed to Barron’s and Apple News, adding SA would be too much to keep up with. As you…
