MY Fixed Income Allocation Consists of....

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.

My current or ideal fixed income allocation consists of

Poll ended at Sat Apr 26, 2008 3:59 pm

Treasuries (including TIPS) Only
12
8%
Treasuries (including TIPS) Only
12
8%
Other bonds (say corporate or other)
61
40%
Other bonds (say corporate or other)
61
40%
I don't own any bonds
6
4%
 
Total votes : 152

MY Fixed Income Allocation Consists of....

Postby SmallHi » Mon Apr 21, 2008 3:59 pm

Want to know where the group is...

I am hoping for a big voter turnout. I would love to see what the concensus is!

Thanks.

sh
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Postby bob90245 » Mon Apr 21, 2008 4:12 pm

Other. A little bit of GNMA fund, Stable Value fund, iBonds and Intermediate-term govt bond.
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Postby alec » Mon Apr 21, 2008 4:35 pm

roughly 1/2 TIPS [VIPSX], 1/2 LBA index [VBMFX].
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Postby mikenz » Mon Apr 21, 2008 5:08 pm

I think your overall AA affects what bonds you should have.

For 60/40 or 50/50 income portfolio: TIPS, GNMA, IT Treasuries, ST Corp, maybe some High Yield.

For 80/20 accumulator: ST Corp/Treas, maybe IT Treas (the more volatile your stock portion, the "safer" your bonds should probably be)
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Postby Leif » Mon Apr 21, 2008 5:08 pm

TIPS (individual), DFA 2 Yr Global, ST Munis (funds).
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Postby Kenster1 » Mon Apr 21, 2008 5:11 pm

If someone posted $10k Bond to get out of jail would that count as "Other Bonds" ?
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Postby SmallHi » Mon Apr 21, 2008 5:23 pm

Leif,

Don't wanna hijack the thread, but, have you looked at the 2YR Selectively Hedged Fund?

Just curious.

sh
(smallhi, not selectively hedged :wink: )
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Postby stratton » Mon Apr 21, 2008 5:25 pm

I'm half each TIPS and intermediate tax exempt.

Paul
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Postby stratton » Mon Apr 21, 2008 5:26 pm

SmallHi wrote:(smallhi, not selectively hedged :wink: )

Plant some Privet or English Laurel and you'll find out what its like to be "hedged." :lol:

Paul
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Postby G12 » Mon Apr 21, 2008 6:48 pm

Of bonds TIPs are roughly 15%, with rest in ST investment grade, ST Bond, Total Bond, IT bond ETF, HY muni and about 5% in Loomis Sayles LSBRX, plus CD's and cash/muni money market.
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Postby runthetrails » Mon Apr 21, 2008 7:03 pm

My 401K offers Total Bond Market Institutional shares (VBTIX). There may be more safety in treasuries, but it's hard to pass on the 7 bp expense ratio.
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Postby OptionAl » Mon Apr 21, 2008 7:10 pm

ST, IT, even a touch of LT. Also TIPS, IBonds.
If diversification works for equities, why not fixed income?
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Postby dandetour » Mon Apr 21, 2008 7:18 pm

Half TIPs.
The other half is Stable Value and whatever is in Wellesley.
Dan
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No bond funds, just individual bonds

Postby djw » Mon Apr 21, 2008 8:31 pm

No bond funds, just individual bonds

25% 10 year TIPS; bought in 2003; holding until maturity in 2013.

75% corporate bonds, mostly "junk": Ford Motor Credit, GM, GMAC, Goldman Sachs, Bear Stearns, TXU; various maturities in 2011 - 2018; holding all until maturity.

Overall, this bond portfolio currently pays me more than 6% annually (based on my purchase price); some were bought over the past year at substantial discounts which will (fingers crossed) provide a nice bonus at maturity.

These bonds make up 28% of my total portfolio.
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Postby DblDoc » Mon Apr 21, 2008 9:28 pm

I'm in TIPS, short and int Treasuries but will be adding a total bond index fund as that is the only (reasonable) choice in my HSA.

I switched to "govt" stuff last summer based on informative posts here and have been happy with the result: http://stockcharts.com/charts/performan ... FISX,VIPSX :D

DD
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Postby fishnskiguy » Mon Apr 21, 2008 9:57 pm

Bonds and other fixed income instruments comprise 80% of our portfolio. The break down is as follows (total equals 100% of our bond holdings).

35%- Five year CD ladder at our credit union
25%- I-bonds (3.0% real yield)
12%- Vanguard TIPS fund
8%- TIPS purchased at auction (2.5% real yield)
8%- Vanguard GNMA fund
7%- Vanguard Short Term Bond Index
5%- Vanguard Intermediate Term Bond Index

Chris
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Re: MY Fixed Income Allocation Consists of....

Postby Default User BR » Tue Apr 22, 2008 12:45 am

SmallHi wrote:Want to know where the group is...

I am hoping for a big voter turnout. I would love to see what the concensus is!

All mine are in my 401(k) except for about $5000 in EE bonds I got years ago. I split the others 50/50 between the Lehman Aggregate Index fund and the Stable Value fund.


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Enjoying Retirement

Postby Grandpaboys » Tue Apr 22, 2008 8:59 am

80 years old, 80% bonds, 20% LT Corp., 40% IT Corp., 40% ST Corp.. 20% Stocks TSM. Sleep well, live well.
Thirty years ago was 80% stocks, 20% bonds.
At that time did not sleep well, but am very happy with outcome.
Good Day | GP
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Postby dbr » Tue Apr 22, 2008 11:09 am

Other = TIPS, Stable Value Fund, State Specific Munis, Treasury MM. Distribution to taxable/tax preferred accounts is appropriate.
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Postby shadowrings » Sat Apr 26, 2008 4:00 am

Other: Single state muni fund andVG short term bond index.

oops forgot about the TIPS embedded in PRCDX..
Last edited by shadowrings on Sun Apr 27, 2008 2:03 am, edited 1 time in total.
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Postby dave.d » Sat Apr 26, 2008 8:47 am

In taxable, all munis, mostly Vanguard High-Yield, the rest in other Vanguard funds including some still in tax-exempt money market gradually being invested in other things. AMT is creating a dilemma as I expect the extra coupon on the Vanguard high-yield fund is virtually free of default risk.

In tax-protected, all corporate investment grade, mostly short-term, except some GNMA, all in either Vanguard funds or iShares ETF's. No treasuries at all at current yields, except a small amount of TIPS embedded in PCRDX.
Last edited by dave.d on Sat Apr 26, 2008 3:25 pm, edited 2 times in total.
Value-based allocation: recently 48% stocks @S&P 1550 and real bond yields approx. -1% (targets again comparable to past, house purchase taken from overall portfolio)
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Postby celia » Sat Apr 26, 2008 8:47 am

"both" and "other"--which aren't voting options
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