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

Yesterday I was kind of burned out on the dialogue with Doc, and thought it was taking us too far off topic, so kept my last reply short. Now I've got my mojo back, and have realized that this probably is an important topic to clarify; i.e., what do we mean by "return" or "returns&quo...
by Kevin M
Fri Jan 30, 2015 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

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

Kevin, how are you getting annual returns? That is, how are you computing annual returns from price change and distributions? I just use the annual total returns directly from Vanguard's website, or for returns before 1999, from the Vanguard fund statistics spreadsheets on the BH Wiki (put together...
by Kevin M
Fri Jan 30, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

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

Vanguard Limited-Term Tax-Exempt Bond fund (VMLTX) ... is one of those funds I wouldn't even consider based on SEC yield, but the persistently higher distribution yield in recent years causes me a bit more doubt ... Kevin, it now sounds like you're saying that distribution yield may be a better ind...
by Kevin M
Fri Jan 30, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

Re: Google finance performance comparison tool

^Well, I can show you actual calculated values to show that it does get within a couple of basis points for quite a few years of returns I looked at for two Vanguard bond funds, but even if I did that, we'd still agree that we can't rely on it. Kevin Hi Kevin, I found my older post where I had desc...
by Kevin M
Fri Jan 30, 2015 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

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

And if you keep insisting that you must reinvest dividends you are adding to the confusion. I'm confused. I'm simply using the same calculations that everyone else does, including Vanguard. I'm not insisting on doing anything other than calculating geometric mean return (or whatever you want to cal...
by Kevin M
Thu Jan 29, 2015 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

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

Yesterday I experimented with the Excel PRICE function to see how the price of a bond behaves as it rolls down a steep yield curve. It appears that a bond will rise to a premium which will peak out at some point. The premium then starts to decline and disappears at maturity. Here is a post in which...
by Kevin M
Thu Jan 29, 2015 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

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

I no longer know what all your charts are supposed to be measuring. Doc, the rest of your post would be fun to reply to in detail, but I think we're getting too far off topic for this thread, so I'll just reply to the quoted comment, since that's on topic. The term used in the charts is "5yr a...
by Kevin M
Thu Jan 29, 2015 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

Re: Anyone know when CD rates will increase?

For example I see an A-rated Pepsico bond with a 7.9% coupon maturing in 3 years. These returns are looking so much more enticing than a 2.25% CD. Maybe I should put a portion of my money into corporates and a portion into CDs? As has been explained, it's not the coupon rate but the yield to maturi...
by Kevin M
Thu Jan 29, 2015 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 52
Views: 3800

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

I thought it would be useful to view the 23-year yield-gap charts for VBMFX and VMLTX together: http://s26.postimg.org/qsv6dt395/VBMFX_Distribution_Yield_minus_SEC_Yield_23_Year.png http://s26.postimg.org/9e5ukvnax/VMLTX_Distribution_Yield_minus_SEC_Yield_23_Year.png Note that the up and down swings...
by Kevin M
Thu Jan 29, 2015 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

Re: Google finance performance comparison tool

If you just need data for Vanguard funds https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/price?fundId=5832 Good find for up to 10 years of distributions. To go back further, Yahoo Finance is the only free alternative I know of that makes it convenient. Curiously, you only can expor...
by Kevin M
Thu Jan 29, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

Re: Google finance performance comparison tool

Just tried GoogleFinance with the Return52 attribute. As far as I can tell it can't be used to return 1-year returns for different dates, so it's no good for doing any kind of historical analysis of total returns. Actually, I'm not sure what it's good for. For VTSMX it returns 15.78 for Return52, wh...
by Kevin M
Thu Jan 29, 2015 1:58 am
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

Re: Google finance performance comparison tool

<snip>I found a few complicated formulas extracting dividends from Yahoo Finance Web pages, it works, but this isn't exactly simple. Actually it's quite easy to calculate total return using the adjusted close values from Yahoo Finance. Google Sheets even provides a function, IMPORTDATA, that allows...
by Kevin M
Thu Jan 29, 2015 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

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

I've now done a similar analysis for Vanguard Limited-Term Tax-Exempt Bond fund (VMLTX). I thought of starting a new thread, since it's off topic relative to the thread title, but I thought including it here would be better for continuity of the discussion about the history of SEC yield vs. distribu...
by Kevin M
Thu Jan 29, 2015 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

Re: Spreadsheet for backtesting (includes TrevH's data)

Yeap, wrong link. https://drive.google.com/file/d/0B6rEnGbxebTBOWRfMUpDOC1jbWc/view?usp=sharing is the one for xls version 14b. All right, since you state that it works with OpenOffice, I'll add the link to my main post with that comment. I'll keep xlsx version for now too--in case someone discover...
by Kevin M
Wed Jan 28, 2015 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

Re: Google finance performance comparison tool

I haven't checked for data quality or handling of dividends, but would trust http://www.nasdaq.com/symbol/veiex/historical more than yahoo. Link near bottom of page to download in excel format (csv). Unless I'm missing something, I only see a single close-price column, which I assume is not adjuste...
by Kevin M
Wed Jan 28, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

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

For coupon bonds, the realized return will depend on coupon reinvestment rate as well. Kevin, you are being very loose with your definition of "realized return". Perhaps, but you may have to take this discussion up with professors Bodie, Marcus and Kane, since I must have adopted this ter...
by Kevin M
Wed Jan 28, 2015 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

Re: Google finance performance comparison tool

^Well, I can show you actual calculated values to show that it does get within a couple of basis points for quite a few years of returns I looked at for two Vanguard bond funds, but even if I did that, we'd still agree that we can't rely on it.

Kevin
by Kevin M
Wed Jan 28, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

Re: Invest RMDs into Roth IRA

<snip> will keep these accounts in a self-contained group, meaning I will not contribute or withdraw any money from this account group. This is mainly to keep pre-marital assets separate from marital assets). Considering that group, if my RMDs were taken from the IRA to the Taxable as cash, I could...
by Kevin M
Wed Jan 28, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest RMDs into Roth IRA
Replies: 8
Views: 543

Re: Invest RMDs into Roth IRA

Agree with Kevin. More importantly, retiredjg and Kevin agree with the IRS: Publication 590-A (2014), Contributions to Individual Retirement Arrangements (IRAs) (traditional) Publication 590-A (2014), Contributions to Individual Retirement Arrangements (IRAs) (Roth) Generally, you can contribute to...
by Kevin M
Wed Jan 28, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest RMDs into Roth IRA
Replies: 8
Views: 543

Re: Anyone know when CD rates will increase?

I've followed CD rates for some time, and I suspect there might be some disconnect between CD rates and interest rates overall. I posted this in another thread not too long ago. This is the actual history of APYs on CDs I've purchased and Treasury yields for same maturities. Also included is a line...
by Kevin M
Wed Jan 28, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 52
Views: 3800

Re: Google finance performance comparison tool

<snip>I found a few complicated formulas extracting dividends from Yahoo Finance Web pages, it works, but this isn't exactly simple. Actually it's quite easy to calculate total return using the adjusted close values from Yahoo Finance. Google Sheets even provides a function, IMPORTDATA, that allows...
by Kevin M
Wed Jan 28, 2015 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

Re: Google finance performance comparison tool

A detailed list of the various available GoogleFinance functions: https://support.google.com/docs/answer/3093281?hl=en I use a number of the "return" functions in mine. Interesting--I had never seen the total return attributes before. I'm guessing they've been added since I last looked. H...
by Kevin M
Wed Jan 28, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 18
Views: 1774

Re: Invest RMDs into Roth IRA

You can contribute to an IRA up $5,500 ($6,500 if over age 50) or your earned income, whichever is less. An RMD is not earned income. As long as you have earned income, the IRS does not track the flow of dollars, so if the RMD enables you to afford to do an IRA contribution that you couldn't do othe...
by Kevin M
Wed Jan 28, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest RMDs into Roth IRA
Replies: 8
Views: 543

Re: College or just Savings Investment Option Question

A good safe option for a 529 is the Colorado 529 Stable Value Plus fund. It is earning a little over 3% for 2015, which is more than you can get in any other safe investment, unless you have a great Stable Value fund in your 401k/403b. It's certainly much more than the 1% you can get in a savings ac...
by Kevin M
Wed Jan 28, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: College or just Savings Investment Option Question
Replies: 5
Views: 463

Re: Anyone know when CD rates will increase?

With the recent decline in 5-year Treasury rates, I'd be more concerned about CD rates falling in the short term. People, including experts, are notoriously bad at predicting future interest rates. The shape of the yield curve sometimes is used to predict future interest rates, but it also is notori...
by Kevin M
Wed Jan 28, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 52
Views: 3800

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

grayfox , lots of good observations in your post. Much of this has been covered in other threads, but your post summarizes many of the points nicely. We all know that if you hold a bond to maturity, the return is the Yield-to-Maturity YTM. Not exactly. This is only true for a zero-coupon bond. For ...
by Kevin M
Wed Jan 28, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

Re: Spreadsheet for backtesting (includes TrevH's data)

Here is a differently-saved version of the Excel spreadsheet (Old Excel style). For those of you having problems opening the spreadsheet in OpenOffice, does this version fix it? https://www.dropbox.com/s/awrb77zcyjuwdw6/Backtest-Portfolio-returns-rev14b.xls?dl=0 And if so, are there any features th...
by Kevin M
Wed Jan 28, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

Re: Spreadsheet for backtesting (includes TrevH's data)

I uploaded similar xls save of Backtest-Portfolio-returns-rev14b.xls to Google Drive at https://drive.google.com/open?id=0B6rEnGbxebTBMUl6Mk5CSGV0Uk0&authuser=0 before I've seen his post . So, Kevin M. please try that in Open Office Looks like the wrong link. Still downloading Backtest-Portfoli...
by Kevin M
Wed Jan 28, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

Re: Spreadsheet for backtesting (includes TrevH's data)

Have you looked at historical quotes Yahoo! Finance? Or, perhaps use GoogleFinance as described here: Using a spreadsheet to maintain a portfolio Yes. I use the GoogleFinance function extensively in portfolio management spreadsheets and market overview spreadsheets, but mainly to get current quotes...
by Kevin M
Tue Jan 27, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

Re: Spreadsheet for backtesting (includes TrevH's data)

Yes, that's the one, and it doesn't work. I don't get any download error messages, and the downloaded file is 708KB. The Open Office loading indicator gets to about 1/3 very quickly, then staggers and creeps up to somewhere between 1/2 and 2/3. Task Manager shows OpenOffice 4.1.1 (32 bit) using abou...
by Kevin M
Tue Jan 27, 2015 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

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

grayfox , thanks for contributing! I may run my analysis on VFITX to see if I get the same results as you. Your results are even more surprising than the results for VBMFX. Vanguard has daily SEC yield going back to January 1994. Actually it's January 1993. Yahoo has daily Adjusted-Close prices. Wi...
by Kevin M
Tue Jan 27, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

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

Interestingly, this paper actually found that the gap between distribution and SEC Yields was actually predictive of future performance for muni bond funds: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1722301 I think I may have scanned this paper before, but I'll read it in the context of my...
by Kevin M
Tue Jan 27, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

Re: Spreadsheet for backtesting (includes TrevH's data)

I'm not sure what went wrong. :confused In any case, I incorporated the Portfolio chart changes to work with LibreOffice Calc: Backtest-Portfolio-returns-rev13a3.xls . Those with LibreOffice / OpenOffice (and Excel) should give it a try. I made no changes other than what was needed for the charts. ...
by Kevin M
Tue Jan 27, 2015 4:00 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 634
Views: 394330

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

Kevin--we often say around here that SEC Yield is better because fund managers can manipulate distribution yield. Do you disagree with this view? No, I agree with this. SEC yield is best to compare one mutual fund to another; that's it's purpose. Interestingly, this paper actually found that the ga...
by Kevin M
Tue Jan 27, 2015 3:25 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

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

The SEC seems to think we do need this. It's the number to use. Buying funds or forecasting based on distribution yield would be like buying individual bonds based on coupons alone ignoring the price; a bad idea. The historical data for VBMFX does not support this view: Bogleheads • View topic - In...
by Kevin M
Tue Jan 27, 2015 2:03 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

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

It is interesting to review the dividend history of the fund you are considering. <snip> You can download the Yahoo Finance data and actually plot the dividend trend over time. It is an interesting chart to view. However, you do have to remove the capital gains distributions to view only the monthl...
by Kevin M
Mon Jan 26, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Initial SEC yield and subsequent 5yr and 10yr returns
Replies: 131
Views: 6428

Re: Question about Bond Mutual Funds and High Interest CD's

I've always suggested looking into a CD ladder and bond funds. It's not an "either/or" proposition. Exactly. As I've mentioned before, my fixed income is about 75% direct CDs and 25% bond funds. Since the direct CDs are so safe, I take a little more risk in the bond funds than I might oth...
by Kevin M
Mon Jan 26, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Bond Mutual Funds and High Interest CD's
Replies: 15
Views: 1329

Re: Why not invest in bond fund in taxable account?

Vanguard limited term is distributing 1.54% with an ER of .20%,~ I see 0.78% and 0.86 for Vanguard Limited Tax Exempt Investor Shares and Admiral Shares respectively. Am I looking at the wrong fund? Can't find anything else with "Limited" in the name. The reference was to the distribution...
by Kevin M
Sun Jan 25, 2015 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2658

Re: Question about Bond Mutual Funds and High Interest CD's

Ok. Great. You have persuaded me to look closer at CDs now. The gov't offers various types of treasuries. Do CDs have superior yields than all of them? Are you talking about different terms to maturity, like 3-years, 5-years, 7-years, etc.? Or are you talking about nominal Treasuries vs. Treasury I...
by Kevin M
Sun Jan 25, 2015 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Bond Mutual Funds and High Interest CD's
Replies: 15
Views: 1329

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

David, so do you think the charts will look different for one of the "true" intermediate-term bond funds? What differences would you expect to see? Is there one in particular that you think would show any differences more clearly? My inclination would be to do the next analysis on an inter...
by Kevin M
Sun Jan 25, 2015 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond: 23 years of SEC yield and distribution yield
Replies: 32
Views: 3181

Re: Why not invest in bond fund in taxable account?

Thanks guys. I'm in the 25% tax bracket. So Kevin, does it make more sense to hold Life Strategy Income or 80/20 Intermediate Term Tax Exempt/Total Stock? Ignore for now the international equity considerations. Probably doesn't make that much difference. I haven't done any deep research myself, but...
by Kevin M
Sun Jan 25, 2015 4:35 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2658

Re: Question about Bond Mutual Funds and High Interest CD's

That is interesting that CDs are actually giving better returns that gov't bonds. I wonder if the rates on CD's will increase anytime soon. Back in 2000, yields on 5 year CDs were around 6% according to bankrate.com. No one knows what will happen "anytime soon". In the last four years tha...
by Kevin M
Sun Jan 25, 2015 4:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about Bond Mutual Funds and High Interest CD's
Replies: 15
Views: 1329

Re: Question about Bond Mutual Funds and High Interest CD's

Although the yield is higher with the CD, gov't treasuries are exempt from state and local tax, so I'm not sure yet which investment would bring a better return. I would have think it through. What is your state and local tax marginal rate? Say it's 10%. The the after tax yield of the CD, with resp...
by Kevin M
Sun Jan 25, 2015 12:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about Bond Mutual Funds and High Interest CD's
Replies: 15
Views: 1329

Re: Why not invest in bond fund in taxable account?

If simplicity is very important to you, and you're sure you are OK with the risk, then LS Income probably is fine. If Federal marginal tax rate is higher than 25%, then an intermediate-term muni bond fund probably is a better bet than the Total Bond (and some international bond) in the LS fund. So y...
by Kevin M
Sun Jan 25, 2015 12:01 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2658

Re: Question about Bond Mutual Funds and High Interest CD's

You should read this: Individual bonds vs a bond fund - Bogleheads . To find best rates on CDs, see http://www.depositaccounts.com. Currently you can earn 2.25% on a 5-year CD with an early withdrawal penalty of only six months of interest. Compare this to a 5-year Treasury, currently yielding 1.33%...
by Kevin M
Sat Jan 24, 2015 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Bond Mutual Funds and High Interest CD's
Replies: 15
Views: 1329

Re: Advice on Brokerage CDs?

I'd put the money into an online savings account like GE Capital where you can earn 1.05% right now. If rates go up, you'd rather have the money there than locked up in a CD. And if rates don't go up a lot you'll wish you had been in the CD. Rates would have to increase quite a lot for the savings ...
by Kevin M
Sat Jan 24, 2015 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 983

Re: Mean versus standard deviation for the Simba data series

Very nice work. As a fellow spreadsheet geek, I really appreciate a nice analysis like this.

Thanks for sharing.

Kevin
by Kevin M
Sat Jan 24, 2015 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: Mean versus standard deviation for the Simba data series
Replies: 2
Views: 241

Re: Advice on Brokerage CDs?

Some people buy brokered CDs to earn a higher rate for longer term--like 3% for 10 years. Not applicable to the OP, and personally I don't want the term risk in a brokered CD, due to lower liquidity and hence high bid/ask spreads. So I take my term risk in bond funds instead. But with the typical pr...
by Kevin M
Sat Jan 24, 2015 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 983

Re: Add new bank to vanguard account

^Funny! (oops, not fast enough; re: the livesoft post).
by Kevin M
Sat Jan 24, 2015 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add new bank to vanguard account
Replies: 13
Views: 751

Re: Advice on Brokerage CDs?

Some banks and credit unions have been known to change early withdrawal penalties and procedures, for what it's worth. I've had terms changed at several banks and CUs, but all changes have been only for new CDs--nothing retroactive. As we can read about on http://www.depositaccounts.com, there have...
by Kevin M
Sat Jan 24, 2015 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 983
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