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Re: VEU 3.52% vs. 5 year Treasury 1.58%

Just a reminder that foreign source qualified dividends exceeding $20K can complicate the filing of Foreign Tax Form 1116 and possibly reduce the allowable foreign tax credit. See the instructions for Form 1116.
by Electron
Tue Mar 03, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEU 3.52% vs. 5 year Treasury 1.58%
Replies: 29
Views: 1734

Re: High Yield Corporate Bonds Have Less Interest Rate Risk?

The coupon from a bond is one factor in the duration. High coupon bonds do have shorter duration than lower coupon bonds of the same maturity. Here is one definition of duration. "Duration is a weighted average of the times that interest payments and the final return of principal are received. ...
by Electron
Sun Mar 01, 2015 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: High Yield Corporate Bonds Have Less Interest Rate Risk?
Replies: 10
Views: 500

Re: Foreign Tax Credit and State Taxes

The 2014 state taxes paid in 2015 are not deducted on your 2014 return, so you don't have anything to adjust. However, the 2013 state taxes you paid in 2014 do need to be adjusted, as they are deductible on your 2014 federal taxes. It makes most sense to adjust those state taxes according to how mu...
by Electron
Sat Feb 28, 2015 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit and State Taxes
Replies: 7
Views: 706

Re: Foreign Tax Credit and State Taxes

How are others handling the case where you pay a portion of 2014 state income taxes in 2015? That portion would not be included in 2014 Federal Itemized Deductions, but it typically would be related to 2014 Foreign Source Income. Just so everyone is on the same page, we are talking about IRS Form 11...
by Electron
Fri Feb 27, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit and State Taxes
Replies: 7
Views: 706

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Thus, TR = 0.20% + 0.15% = 0.35%. Add in the 0.25% ER and the TER = 0.60%. That's not an unreasonable total expense ratio when compared with the average mutual fund apparently in the range of 1%. I was not able to reproduce the numbers shown and assume more information was involved than the 2% yiel...
by Electron
Thu Feb 26, 2015 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

As USA-NRA investors with no tax treaty with the USA, we've been "eating" both the non-USA's and the USA's "tax leakage" for 31 years. E.g. Assume a 2% dividend yield. For VT the tax ratio (TR) = 0.64%. The ER = 0.18%. TER = 0.82%. For VWRD (=VT) the TR = 0.33%. The ER = 0.25%. ...
by Electron
Thu Feb 26, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Using Turbotax, I don't see much hassle to filing the 1116; I believe, for a mutual fund, you can just put "various" and aggregate all the countries together. Form 1116 even in the simplest case may take some effort. Have others determined how to handle Federal Schedule A Itemized Deducti...
by Electron
Wed Feb 25, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Another key takeaway of this thread - the cost of compliance can easily exceed the higher economic value of the credit. This is particularly true for holders of mutual funds / ETFs where the sponsoring organization doesn't provide enough information to compute the proper numbers for foreign source ...
by Electron
Mon Feb 23, 2015 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

But, in another IRS URL titled "Foreign Tax Credit Compliance Tips", the Foreign QDI multiplier for a TP in the 15% QDI bracket is stated to be 0.4286. By the way, the Bogleheads Wiki references the use of this ratio too. I believe that information is out of date and applied when the top ...
by Electron
Mon Feb 23, 2015 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

Morningstar and other sites show the similarity but the Yahoo finance and marketwatch interactive charts I originally used show PBDIX diverging negatively December 2 years ago. Perhaps they incorrectly report a distribution. You have to be careful with charting websites and determine if they are sh...
by Electron
Sun Feb 22, 2015 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 991

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

In checking the Performance Tab on Morningstar, PBDIX has outperformed VBTLX over the most recent 1 and 3 year periods. Click on "Compare" and add VBTLX to see the comparison. http://performance.morningstar.com/fund/performance-return.action?t=PBDIX&region=usa&culture=en-US PBDIX i...
by Electron
Sat Feb 21, 2015 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 991

Re: Cap Gains & Divs killed me this year

I'm expecting another year of significant capital gains distributions for many funds based on the market advance since March 2009. A lot of funds avoided capital gains distributions for several years after 2008-2009 as a result of losses carried forward. Windsor fund likely had significant losses ca...
by Electron
Sat Feb 21, 2015 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5906

Re: Cap Gains & Divs killed me this year

I would make a list of your taxable investments that have distributed significant capital gains in recent years. Next, determine the current cost basis for each investment which will take into account all investments and reinvestments. You can now determine the tax impact of selling and investing th...
by Electron
Fri Feb 20, 2015 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5906

Re: Pay Income Tax Upfront?

I would suggest downloading and reading IRS Publication 505. The title is Tax Withholding and Estimated Tax.

http://www.irs.gov/Forms-&-Pubs

Many people pay the safe harbor amount each year to avoid tax penalties.
by Electron
Fri Feb 20, 2015 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay Income Tax Upfront?
Replies: 5
Views: 630

Re: Car Battery in Unusual Cold

I remember the gas line antifreezes from the old days, also hydrometers. Haven't used one of them since the 60s. Amazon has both of those products from quite a few different manufacturers. A hydrometer can catch a battery approaching end of life if used at a reasonable interval or at the first hint...
by Electron
Thu Feb 19, 2015 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3753

Re: Car Battery in Unusual Cold

Here is some information from the Interstate link that I posted earlier. See the section on Winterizing Batteries. "Your vehicle’s battery loses 33 percent of its power when the temperature dips below freezing, and over 50 percent of its power when the temperature falls below zero." Anothe...
by Electron
Thu Feb 19, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3753

Re: Car Battery in Unusual Cold

Exactly what my mechanic said. Altho I don't fully understand why. There is a lot on the Internet. Here is one site with information. http://corporate.interstatebatteries.com/heat_kills_batteries/ It is also important for the charging system to be operating properly. Overcharging by even a small am...
by Electron
Thu Feb 19, 2015 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3753

Re: Car Battery in Unusual Cold

One thing you can do is check the specific gravity of each cell in the battery with a hydrometer. Last year I replaced an eight year old Sears Diehard Battery when one cell dropped down to the half charged level. You can also get a battery load test at a qualified service center. I spent four years ...
by Electron
Thu Feb 19, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3753

Re: Is it true VTSAX Total Market fund...

Here is a list of the portfolio holdings in order of market capitalization. It starts with Apple, Exxon Mobil, Microsoft, Johnson & Johnson, and Wells Fargo. https://personal.vanguard.com/us/FundsAllHoldings?FundId=0585&FundIntExt=INT&tableName=Equity&tableIndex=0&sort=marketValu...
by Electron
Thu Feb 19, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it true VTSAX Total Market fund...
Replies: 15
Views: 1466

Re: Is it true VTSAX Total Market fund...

Here is the information provided by Vanguard. "The fund employs an indexing investment approach designed to track the performance of the CRSP US Total Market Index, which represents approximately 100% of the investable U.S. stock market and includes large-, mid-, small-, and micro-cap stocks re...
by Electron
Wed Feb 18, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it true VTSAX Total Market fund...
Replies: 15
Views: 1466

Re: Deflation protection

What about the other long term fund that is a mix of treasuries and corporates.....I think it was at 3.38%. That is probably the Vanguard Long Term Bond Index fund. https://personal.vanguard.com/us/funds/snapshot?FundId=0522&FundIntExt=INT#tab=4 The SEC Yield is now a little higher. Note that i...
by Electron
Wed Feb 18, 2015 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Deflation protection
Replies: 23
Views: 1461

Re: Deflation protection

If you are referring to Vanguard Long Term Investment Grade, the yield is quite a bit higher since it is invested primarily in corporate bonds. The portfolio once again is concentrated in 20-30 year bonds with a modest percentage in the 10-20 year range. https://personal.vanguard.com/us/funds/snapsh...
by Electron
Tue Feb 17, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Deflation protection
Replies: 23
Views: 1461

Re: Deflation protection

If you are looking at the Vanguard Long Term Treasury Fund (VUSTX), the SEC Yield is currently 2.19% and the Distribution Yield is 2.59%. Both yields are somewhat higher than what is available in the Total Bond Market Index Fund VBMFX. https://personal.vanguard.com/us/funds/snapshot?FundId=0083&...
by Electron
Tue Feb 17, 2015 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Deflation protection
Replies: 23
Views: 1461

Re: Deflation protection

The monthly dividends from a long term bond fund would rise very slowly after an increase in long term rates. Bonds would only be replaced with higher coupon issues when they either reached maturity or reached some number of years to maturity. The average maturity of the fund would be a key paramete...
by Electron
Tue Feb 17, 2015 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Deflation protection
Replies: 23
Views: 1461

Re: Intermediate term tax-exempt bond fund

VWITX should be fine as a long term holding, but be aware that municipal bond funds can have liquidity problems in a crisis and drop more than government bond funds. Here is a chart comparing VWITX to the Total Bond Market Index fund. Corporate bonds can also have liquidity problems which had some i...
by Electron
Mon Feb 16, 2015 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1277

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

The good news is that unused Foreign Tax Credit can be carried forward up to 10 years. If you don't think the credit can be used effectively, the foreign taxes paid or accrued each year can be taken as an Itemized Deduction. Those normally taking the Standard Deduction should see if there is anythin...
by Electron
Sat Feb 14, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

The Foreign Tax Credit in the original post may actually be lower than shown. On Form 1116 in the Deductions and Losses section, Line 3d is specified as Gross Foreign Source Income and not the adjusted amount. I believe that will result in a larger deduction and reduce the net Foreign Source Income ...
by Electron
Sat Feb 14, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Fund operating companies, like Vanguard, publish a detailed breakdown of the foreign composition of distributions, and foreign taxes paid on each. For example, the 2014 data for Vanguard funds can be found here . Thanks for the link. Those tables provide the breakdown by country for dividend income...
by Electron
Thu Feb 12, 2015 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Vanguard Ultra-Short-Term Bond Fund now available

Vanguard Short Term Investment Grade (Investor Shares) currently shows an SEC Yield of 1.54%. The Distribution Yield is 1.76%. https://personal.vanguard.com/us/funds/snapshot?FundId=0039&FundIntExt=INT#tab=0 Average Maturity is 3.0 years and Duration is 2.4 years. The new Ultra-Short Fund is exp...
by Electron
Thu Feb 12, 2015 12:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 35
Views: 3950

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Line 19 on the "Qual Div/Cap Gn" Form (see pdf link) has the total amount of cap gain and dividend income taxed at 15%. In our example, this should be $5,900. Line 22 has the amount of cap gain and div income taxed at 20% ($0 in our example). Using the formula above, Gross Income from For...
by Electron
Wed Feb 11, 2015 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Investors in this kind of situation may be better off taking the Foreign Tax Credit as an Itemized Deduction assuming they can itemize. Even an investor in the 0% bracket for Qualified Dividends might be in a marginal tax bracket of 25% or 30% for ordinary income. An Itemized Deduction could be a mu...
by Electron
Wed Feb 11, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 55
Views: 6599

Re: Initial SEC yield and subsequent 5yr and 10yr returns

I just read the latest Annual Report on the Vanguard California Tax Exempt funds, one of which was referenced in the first post of this thread. It looks as though Vanguard may be managing these funds for total return and the dividend payout is a lower priority. See "Management of the Funds"...
by Electron
Mon Feb 09, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 142
Views: 7445

Re: Bearish Boglehead, is there such a thing?

There are alternative asset classes to consider, but I think an investor would be better off with a conventional stock and bond asset allocation perhaps with some modifications. A Bear Market in stocks can mean a significant downtrend for a period of years, or it can mean a trading range market over...
by Electron
Mon Feb 09, 2015 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bearish Boglehead, is there such a thing?
Replies: 45
Views: 3944

Re: Cap gains exposure in bond funds

This is correct for a stock fund, but bond index funds will often distribute the unrealized capital gains. For example, suppose that an intermediate-term bond index bought a ten-year bond for $10,000 four years ago, and the bond is now worth $11,000. The fund will need to sell the bond next year be...
by Electron
Sat Feb 07, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cap gains exposure in bond funds
Replies: 11
Views: 749

Re: Next decade outlook from Vanguard CEO

John Bogle presents simple forecasting models for the decade ahead in his book "Common Sense on Mutual Funds". The models are worth understanding and they do give a hint on the returns going forward. I think it is useful from the standpoint of expectations especially after the high stock r...
by Electron
Sat Feb 07, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Next decade outlook from Vanguard CEO
Replies: 17
Views: 2076

Re: Cap gains exposure in bond funds

Now that's an interesting point...I think what you're saying is that part of the impact of rising rates is "absorbed" via the unrealized cap gains becoming smaller, is that right? I wonder if the after-tax return impact can be quantified or is very significant.... If rates move up the pri...
by Electron
Fri Feb 06, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cap gains exposure in bond funds
Replies: 11
Views: 749

Re: Cap gains exposure in bond funds

Here is Morningstar's explanation on the Potential Capital Gains Exposure. http://www.morningstar.com/InvGlossary/potential_capital_gains_exposure.aspx My understanding is that the percentage represents the capital gains that would have to be distributed to shareholders if the fund were liquidated. ...
by Electron
Fri Feb 06, 2015 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cap gains exposure in bond funds
Replies: 11
Views: 749

Re: Backdoor Roth: inherited IRA's and the Pro-rata rule??

An Inherited IRA will not affect the Backdoor Roth.

http://www.bogleheads.org/forum/viewtop ... =1&t=99336

You can also check IRS Publications 590-A and 590-B. The two IRAs appear to be totally separate and often require a separate Form 8606 for each.
by Electron
Thu Feb 05, 2015 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth: inherited IRA's and the Pro-rata rule??
Replies: 2
Views: 228

Re: Total Bond: 23 years of SEC yield and distribution yield

I like shifting some from bonds to CDs when bond funds are at all time highs. Moving some assets from bond funds to CDs sounds like a good move at present bond valuations. The manager of the T. Rowe Price Global Stock Fund wrote last fall that he is "100% sure that we are in a yield-chasing bu...
by Electron
Wed Feb 04, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544

Re: Switching to doing my own taxes

Employee Stock Purchase Plans and Restricted Stock Units don't appear to add much complexity to a tax return.

I believe the real problem occurs with Incentive Stock Options (ISOs) which can involve the Alternative Minimum Tax and AMT Credits.
by Electron
Tue Feb 03, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 19
Views: 1889

Re: Total Bond: 23 years of SEC yield and distribution yield

If this agreement keeps up we should get together and pat each other on the back. Thanks for confirming my comments on bond premium amortization and the derivatives held by VBMFX as part of the cash position. It is great that we are agreeing on so many fine details related to bond funds! The amazin...
by Electron
Mon Feb 02, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544

Re: Define "High tax bracket"

Note also that there are different tax brackets for ordinary income and capital gains & qualified dividends. Capital gains now have a 20% tax rate in addition to the more common 0% and 15% capital gains tax rates. There is also the Medicare Investment Income tax of 3.8% over a certain threshold....
by Electron
Mon Feb 02, 2015 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Define "High tax bracket"
Replies: 45
Views: 3764

Re: Switching to doing my own taxes

Doing your own taxes is a very good move and a computer isn't even necessary in many cases. I do my taxes totally by hand starting with all the 1099 Forms and last year's return as a guide. You also need to collect all items for Schedule A, estimated tax payments, and possibly cost basis information...
by Electron
Sun Feb 01, 2015 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to doing my own taxes
Replies: 19
Views: 1889

Re: Total Bond Mkt or tax-exempt in taxable account?

The 0% tax bracket for Qualified Dividends and Capital Gains is great if you can take advantage of it. However, be aware that any extra ordinary income comes with a penalty whether from mutual funds, online savings accounts, state tax refunds, or any other source. As already mentioned, the marginal ...
by Electron
Sun Feb 01, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt or tax-exempt in taxable account?
Replies: 29
Views: 2345

Re: Total Bond: 23 years of SEC yield and distribution yield

The ratio of distribution yield to SEC yield was 2.35/1.99 = 1.18. So average YTM and SEC yield were quite close, as is often the case, but distribution yield was quite a bit lower than average coupon. That could be at least in part the result of amortization of premium bonds. If my understanding i...
by Electron
Sat Jan 31, 2015 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544

Re: Total Bond Mkt or tax-exempt in taxable account?

Once you make a decision on taxable versus tax-exempt based on your tax return, it is a good idea to keep an eye on both bond markets as the thresholds can change. I used to read the Morningstar Fund Investor in the library, and they provided a nice chart showing tax exempt yields versus Treasury yi...
by Electron
Sat Jan 31, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt or tax-exempt in taxable account?
Replies: 29
Views: 2345

Re: Initial SEC yield and subsequent 5yr and 10yr returns

Assume annual returns of 5%, 4%, 6%, -2%, 3%. Kevin's formula gives a result of 3.16%, as does a normal CAGR formula. I use a scientific calculator with the y to xth power function. 1.05 x 1.04 x 1.06 x 0.98 x 1.03 = 1.168400688 1.168400688 to the 0.2 power = 1.031616693 which translates to 3.16166...
by Electron
Sat Jan 31, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 142
Views: 7445

Re: Total Bond: 23 years of SEC yield and distribution yield

Here is something interesting that I had not studied before. Morningstar provides the coupon ranges held in the Total Bond Market Index fund. The Vanguard reports only show the coupon information as part of the long portfolio listings. The high coupon bonds held should give some clues about the dist...
by Electron
Sat Jan 31, 2015 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544

Re: Total Bond: 23 years of SEC yield and distribution yield

I've always wondered why the turnover rate on a fund indexing the entire bond market would be so high. The turnover percentage in the Total Bond Market Index fund might be deceptive even after removing the mortgage dollar roll activity. I have a feeling that the turnover in intermediate and long te...
by Electron
Fri Jan 30, 2015 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544

Re: Total Bond: 23 years of SEC yield and distribution yield

Thanks all for the comments on several of my posts. In regards to my example of a bond rolling down a steep and straight yield curve, here is my data from Excel. As Kevin mentioned, it is not realistic to expect a yield curve to remain static for ten years, but it is still interesting to see the eff...
by Electron
Fri Jan 30, 2015 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 64
Views: 6544
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