Search found 2199 matches

by #Cruncher
Wed Apr 26, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Pension Choices and AA
Replies: 1
Views: 114

Re: Pension Choices and AA

... makes daddy very proud ... I am planning to retire early next year at 60 ... I have the following pension choices: annuity $95K to age 62, then $85K for life (no COLA) or annuity $33K to age 62, then $31K for life (no COLA) plus lump sum $824K ... I have a longevity estimator that I use to help...
by #Cruncher
Tue Apr 25, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: "Negative points" on mortgage
Replies: 23
Views: 1381

Re: "Negative points" on mortgage

It does not appear that there will ever be a 'break even' for the cash back mortgage at the higher rate. Looks like it will cost more in the long run and the short run. I believe there is a breakeven point, Jim. The offered option does cost less in the short run -- the third and fifth rows of your ...
by #Cruncher
Sun Apr 23, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred vs Taxable Account Calculator?
Replies: 19
Views: 1206

Re: Tax Deferred vs Taxable Account Calculator?

Why would one choose to realize an extra capital gain when the tax can be paid out of the dividend before it is reinvested? To take the first year of the example (in the 2nd table of my post above ), I was assuming that one reinvested the entire $200 dividend and then sold shares from the fund to p...
by #Cruncher
Sun Apr 23, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Tax Deferred vs Taxable Account Calculator?
Replies: 19
Views: 1206

Re: Tax Deferred vs Taxable Account Calculator?

The one at Tools and calculators - Personal_finance_toolbox - Bogleheads includes this as one of a variety of calculations. See rows 126-136 on the 'Misc. calcs' tab. Nice work, FiveK! For those interested, here is a direct link to the web page to download the spreadsheet. And here is how it expres...
by #Cruncher
Sat Apr 22, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred vs Taxable Account Calculator?
Replies: 19
Views: 1206

Re: Tax Deferred vs Taxable Account Calculator?

⋅ In account A, dividends are taxed every year, but capital appreciation is not. They pay taxes on their gains when they take money out of the account. ⋅ In account B, neither dividends nor capital appreciation is taxed until they take money out [of] the account. The after tax t...
by #Cruncher
Sat Apr 22, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4758

Re: Visualizing the devastating impact of fees

I think this formula is meant to apply to mutual fund expenses, where the expense is charged daily, not at the end of the year. I give up and now accept your formula, Kevin. :happy Applying the fee my way frequently enough during the year does indeed produce the same ending balance result as your f...
by #Cruncher
Sat Apr 22, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred vs Taxable Account Calculator?
Replies: 19
Views: 1206

Re: Tax Deferred vs Taxable Account Calculator?

You will owe the dividend taxes on your income tax return each year. If you take the taxes out of the taxable account each year to pay the taxes then the account balance will be $52,753 after 30 years (I used 1.057 as my annual return, 0.3% is 15% of 2%). This is approximately correct. It would be ...
by #Cruncher
Fri Apr 21, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4758

Re: Visualizing the devastating impact of fees

I believe the standard way to calculate after-cost return [R] is this formula (the same as adjusting [for] inflation): R = (1+r) / (1+c) -1 [where r is gross return before fee and c is the fee] This can't be right, Kevin. Consider the case where r, the gross return, is 0% and c, the fee, is 2%. You...
by #Cruncher
Thu Apr 20, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS auction April 20, 2017. Anyone participating?
Replies: 7
Views: 1018

Re: TIPS auction April 20, 2017. Anyone participating?

... Price was $1008.65 and coupon = 0.125%. By my calculation that comes out to YTM = 0%. At least it is not negative which I was worried about. Close to 0%; but still negative as you can see by netting the cash inflows of principal and interest against the cash (outflows) as shown in the auction r...
by #Cruncher
Thu Apr 20, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4758

Re: Visualizing the devastating impact of fees

... the chart in this frequently linked vanguard article has compelling data, but I believe the same information might be presented in an easier to understand way. Perhaps. But only if you enter the correct data, Lobster. :( In cells D3 & D4 of your Google Docs spreadsheet you copied the 0.5% a...
by #Cruncher
Wed Apr 19, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll out my portion of my pension???
Replies: 7
Views: 727

Re: Should I roll out my portion of my pension???

Age: 40 ... I can collect $1934 as a monthly pension starting at age 60 or I can take my portion now (appx $55,000) and collect the company portion of $1165 monthly starting at age 60 It sounds like the choice is between $55,000 now and $769 ($1,934 - $1,165) per month starting in twenty years. Usi...
by #Cruncher
Wed Apr 19, 2017 4:02 am
Forum: Investing - Help with Personal Investments
Topic: TIPS auction April 20, 2017. Anyone participating?
Replies: 7
Views: 1018

Re: TIPS auction April 20, 2017. Anyone participating?

Here is the Treasury's Offering Announcement . The $16 billion to be offered is the same as at the initial 5-year auction last year (as shown here on the 3rd row from the bottom). Any tips (no pun intended!)? If you're planning to hold in an account like an IRA, this is reasonable for the most conse...
by #Cruncher
Tue Apr 18, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2046

Re: Pension option-Should I include child?

... I'll ask if this is a good deal from an actuarial standpoint. Unfortunately, Teague, you omit some assumptions needed for a good estimate and others are contradictory. ⋅ You don't state your and your child's sex. ⋅ You don't state what kind of Cost of Living Adjustment (COLA...
by #Cruncher
Mon Apr 17, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2513

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

After running more numbers it's 95%, 91% and 88% of single life for 50%, 75% and 100% survival benefits. Below are the results modified (from the table in my post above ) to reflect these assumptions: -- Pmt/Mo While Alive -- Only Only - PV Discounted - You Wife Both @ 4.0% @ 2.0% ----- ---- ----- ...
by #Cruncher
Sun Apr 16, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2513

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

With sexes, ages, a life expectancy table, and a discount rate a longevity estimator like this one can calculate the probable present value of your alternatives. To illustrate, for a male/female couple aged 62/61 [1], the 2013 SSA Period Life Table , and a 4% or 2% discount rate [2]; it calculates t...
by #Cruncher
Sun Apr 16, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Correlation Between Yield Change and Duration
Replies: 5
Views: 398

Re: Correlation Between Yield Change and Duration

Such a dramatic change in yields as this example assumes would likely constitute a rather significant adjustment to a fund’s weighted average duration. I don't know why Vanguard says this. Figure 1 on page 4 of the July 2013 paper referenced in the original post ( Risk of loss: Should the prospect ...
by #Cruncher
Sat Apr 15, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Inflation-Protected Bond Index Fund (FSIYX)
Replies: 2
Views: 496

Re: Fidelity Inflation-Protected Bond Index Fund (FSIYX)

I don't understand how the 30 day SEC yield can be 6.26% when they are holding 99.7% TIPS. Can anyone explain how to think about this? I would just ignore it. The 6.26% 3/31/2017 "30-day Yield" reported on Fidelity's FSIYX web page has a footnote 7: 7. The fund's yield will include adjust...
by #Cruncher
Fri Apr 14, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of I-bonds purchase
Replies: 27
Views: 3248

Re: Timing of I-bonds purchase

Any comments by those who follow i-bonds on today's CPI-U? The non-seasonally adjusted March CPI-U released today was 243.801. This is a 0.98% increase over the 241.428 for September 2016 . Thus 0.98% will be the semi-annual inflation rate to be applied for six months starting May - October to all ...
by #Cruncher
Fri Apr 14, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: STRIPS ladder to buy my retirement home?
Replies: 13
Views: 1243

Re: STRIPS ladder to buy my retirement home?

... I feel kinda like James Clerk Maxwell dropped by to help with my algebra homework. ... [the federal tax] analysis is for the married-filing-jointly tax bracket, and I’m single. I guess I’ll redo the problem for the single bracket, and maybe go on some dates. Your well written and witty post was...
by #Cruncher
Thu Apr 13, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 2878

Re: ibond vs cd

Given that the interest rate fluctuates (I did a quick calculation of the last 10 years and 10k ended up at 15.7k and change, which is close to a 2% CD over 10 years), is there a good reason to choose ibonds over ... There are two errors in your parenthetical premise, tipee. But that's really acade...
by #Cruncher
Wed Apr 12, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: STRIPS ladder to buy my retirement home?
Replies: 13
Views: 1243

Re: STRIPS ladder to buy my retirement home?

... maybe an alternative is to set up a spreadsheet to find a combination of ordinary Treasuries to get close to the stream of payments you need? I think there’s been discussion of attempts to make TIPS ladders with consistent total payouts. When interest is taken into account, there is no savings ...
by #Cruncher
Tue Apr 11, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3778

Re: Value of having TIPS funds?

... it would appear that I-Bonds returned 2.68% in 2011 but inflation was 3.20%. The annual average CPI did increase 3.2% from 218.056 in 2010 to 224.939 in 2011 ( source ). And this did indeed exceed the 2.7% one year growth of a 0% fixed rate I Bond purchased in January 2011 (as shown in the tabl...
by #Cruncher
Mon Apr 10, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3778

Re: Value of having TIPS funds?

... the chart is listing current composite (fixed + inflation) rates for existing I-Bonds as if they were also those bonds' past -year returns . If so, then the I-Bond column in the chart may also be making an "apples to oranges" comparison with the columns for the inflation rate and the ...
by #Cruncher
Mon Apr 03, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Taxable SS Benefits
Replies: 28
Views: 2600

Re: Taxable SS Benefits

By assuming 2.5% inflation rate [over 14 years] I come up with $32000 -> $22647 and $44000 -> $31140 as adjustments to these thresholds for MFJ. ... Does this seem like a valid what-if approach...? It seems like a valid -- and elegant -- approach to me, Silk: simpler than keeping the two threshhold...
by #Cruncher
Sun Apr 02, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable SS Benefits
Replies: 28
Views: 2600

Re: Taxable SS Benefits

I had 85 pct of SS being taxed and now I see where that figure comes in and it does not apply to me. It does partially apply to you, hoops777. For a joint return with $43,000 of income besides social security, 85% of the first $12,118 of SS is taxed. But only 42.5% of additional SS beyond that firs...
by #Cruncher
Sat Apr 01, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Caluclating Fed taxes after age 70
Replies: 8
Views: 910

Re: Caluclating Fed taxes after age 70

I think the 25% tax bracket is around $71,500. But does the Fed tax the SS and the Pension benefits? For a 2017 joint return the 25% bracket begins at $75,900 as shown on page 7 of this IRS PDF file . All of pension benefits and up to 85% of SS benefits are federally taxable. As ubermax and tomd37 ...
by #Cruncher
Fri Mar 31, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 79
Views: 16782

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 03/31/2017 and the weighting effect of the 10-year auctions in January & March, and the 30-year auction in February. As shown in the table below, the weighted average yield of the bonds in the 1+ years broad index is...
by #Cruncher
Thu Mar 30, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: No market for short TIPS?
Replies: 13
Views: 985

Re: No market for short TIPS?

There's ... over a half trillion of TIPS outstanding. The amount on the web page you reference, lazyday, is out of date. As of 2/28/2017 the inflation-adjusted TIPS principal outstanding is $1,247 billion. This is about 9% of the $14,411 billion total US government debt held by the public. (See Mon...
by #Cruncher
Thu Mar 30, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: FERS Survivor Annuity for dual feds?
Replies: 8
Views: 526

Re: FERS Survivor Annuity for dual feds?

... whether it makes sense for us to reduce my pension by 10% for a 50% reduced annuity for my partner when I die (or 5% reduction for 25%). ... My partner is 3 years younger. Is there any calculation we can use to help us with this decision? You can use a longevity estimator like this one . With y...
by #Cruncher
Tue Mar 28, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1509

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

There are ... options to hold individual TIPS at Treasury Direct. I wouldn't buy individual TIPS from TreasuryDirect ; I'd buy them from a broker instead. At TreasuryDirect you can only buy at auction, while at a broker you can also buy and sell on the secondary market. Plus you'd get better custom...
by #Cruncher
Mon Mar 27, 2017 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1509

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

With a duration of 7.9 years won't interest rate increases eat away at the principal ...? The value of the fund would depend on when and how much yields rise. The following table shows three possible scenarios where interest rates rise 0.25%, 0.50%, and 1.00% per year. In all three cases yields sta...
by #Cruncher
Sat Mar 25, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Options
Replies: 19
Views: 1512

Re: Pension Options

Life expectancy matters, so if you think you will be drawing for 30 plus years the COLA looks better. If not, take Option 2. I agree that the relative advantage of the COLA [1] annuity (option 3) versus the non-COLA annuity (option 2) does indeed depend on longevity. [2] But it also depends on the ...
by #Cruncher
Fri Mar 24, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Securities and 1099-B
Replies: 1
Views: 193

Re: Treasury Securities and 1099-B

I can't answer definitively but have some experience that may bear. ⋅ Several years ago I purchased a 13-week Treasury bill in my taxable account. I recall that the difference between its purchase cost and redemption value appeared on a form 1099-INT; not on a 1099-B. ⋅ In 2011, ...
by #Cruncher
Fri Mar 24, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Timing of I-bonds purchase
Replies: 27
Views: 3248

Re: Timing of I-bonds purchase

So I suggest waiting until April 14, 2017 ... to learn details of the March inflation report. At that point, you will know the I Bond's new variable rate for May to November ... I don't know why people recommend waiting until we know what the next inflation rate will be before deciding when to buy ...
by #Cruncher
Thu Mar 23, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: tips on buying TIPS: new issue vs secondary market?
Replies: 24
Views: 2208

Re: tips on buying TIPS: new issue vs secondary market?

I am surprised they don't just have "True Price" that accounts for all components and lists exact out-of-pocket price to pay. I'd call this "total cost" rather than "true price", and indeed brokers should show it on their web pages for placing orders. But the unadjuste...
by #Cruncher
Wed Mar 22, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Understanding Bond Yields - Check my math...
Replies: 4
Views: 417

Re: Understanding Bond Yields - Check my math...

The only thing I could think of is that it has a possible call date of 7/2017 ... and that YTW/YTS is simply saying "If they decide to pay it off early, this is what your actual yield would be - let's hope they dont." Does that seem right in terms of the math? Yes. 4.001% and 0.354% are w...
by #Cruncher
Tue Mar 21, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: tips on buying TIPS: new issue vs secondary market?
Replies: 24
Views: 2208

Re: tips on buying TIPS: new issue vs secondary market?

... The correct relationship is: Adjusted Price = Index Ratio * Price 95.431541 = 1.00298 * 95.148 What's the importance of this number? What does it describe qualitatively? I'm assuming by "this number" you mean the index ratio. It describes the ratio between a TIPS' face value and its p...
by #Cruncher
Sun Mar 19, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: tips on buying TIPS: new issue vs secondary market?
Replies: 24
Views: 2208

Re: tips on buying TIPS: new issue vs secondary market?

Need to look at cumulative inflation, the reason is that it creates risk if get deflation--TIPS cannot go below par at maturity, but the inflation adjustment after you buy it can be negative. So the bigger the inflation adjustment the more the risk of deflation. That typically means higher yields. ...
by #Cruncher
Thu Mar 16, 2017 8:19 pm
Forum: Investing - Theory, News & General
Topic: tips on buying TIPS: new issue vs secondary market?
Replies: 24
Views: 2208

Re: tips on buying TIPS: new issue vs secondary market?

question : does new issue auction pricing tend to be a little better than secondary market ... ? Yes, according to a comparison I did three years ago of 10-year TIPS. (See my post, 10-Year TIPS Auction Yields Compared to Secondary Market .) Looks like buying in secondary market lets me buy [earlier...
by #Cruncher
Wed Mar 15, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2699

Re: Finding The "Sweet Spot" on a Roth Conversion

... Taxable Interest = 2,336 Ord. Div. = 42,893 [7,128 not qualified] Qual Div = 35,765 Cap Gain = -3,000 Taxable SS 22,708 AGI = 64,937 Taxable Inc = 41,737 Total SS Income = 32776 Tax Exempt Interest = 5,040 The chart below is from the toolbox link mentioned previously , and includes the tax exem...
by #Cruncher
Sat Mar 11, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and YTM -- Issue with The Bond Book's Claim
Replies: 14
Views: 988

Re: Bonds and YTM -- Issue with The Bond Book's Claim

... when looking at YTM values for a particular bond/fund, if there are two different ways that this information can be presented, how is one to know which method was used to derive the value? Could one show the periodic value while another shows the terminal one? No. Only what I call the "Per...
by #Cruncher
Wed Mar 08, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and YTM -- Issue with The Bond Book's Claim
Replies: 14
Views: 988

Re: Bonds and YTM -- Issue with The Bond Book's Claim

... the book [The Bond Book, 3rd. Edition, by Annette Thau] is saying that, in the above example with a 25-year bond with a 7.5% coupon purchased at par, the YTM would be ~4% if interest wasn't reinvested. Instead of "wasn't reinvested", it would be clearer if the author had said "wa...
by #Cruncher
Mon Mar 06, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: I Bonds: time-delayed Emergency Fund or down-payment?
Replies: 31
Views: 2089

Re: I Bonds: time-delayed Emergency Fund or down-payment?

... You should have bought the first I-Bond in 1998, with 3.4% fixed. ... And there were some even better ones issued at 3.6%. ... $30k per SS per year at 3.6% real. Words escape me. Those have got to be some of the best sovereign bonds ever issued, ... Good, but maybe not the best. 3.6% fixed rate...
by #Cruncher
Sun Mar 05, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pay ibonds taxes on interest now or later?
Replies: 23
Views: 1563

Re: Pay ibonds interest now or later?

It is better to defer the taxes until you sell, unless you expect your tax rate to go up. This is correct. But it's difficult to know how much your future tax rate would need to go up before paying tax annually would be the better choice. The answer depends on at least the following questions: &sdo...
by #Cruncher
Thu Mar 02, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: I bond ladder
Replies: 16
Views: 1694

Re: I bond ladder

I'm looking at getting a 0% real return in the best case at the current 0% fixed rate issue. You would also pay federal income [tax] on the inflation adjustment so the best case after tax real rate of return will be less than zero percent. To be picky, Watty, this isn't necessarily so. Because of t...
by #Cruncher
Wed Mar 01, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 736

Re: TD -Problem with Savings Bond Calculator

Are you using Google Chrome, Cosmo? The Savings Bonds Calculator Inventory Instructions say it is "not compatible". Actually, I am using Safari. Oh well, I was hoping your problem had an easy solution, but I guess that's not to be. I just used Safari (version 6.1.6 on my Mac, choosing &qu...
by #Cruncher
Tue Feb 28, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 736

Re: TD -Problem with Savings Bond Calculator

Are you using Google Chrome, Cosmo? The Savings Bonds Calculator Inventory Instructions say it is "not compatible". Using the Savings Bond Calculator (SBC) with Firefox I just tested creating a list of I Bonds, saving it as an .html file, and then opening it. This worked fine. I also opene...
by #Cruncher
Mon Feb 27, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: STPZ (PIMCO 1-5 Year U.S. TIPS Index) holds only 12 TIPS thus why not just...
Replies: 15
Views: 1089

Re: STPZ (PIMCO 1-5 Year U.S. TIPS Index) holds only 12 TIPS thus why not just...

Individual TIPS are a good choice if they will be held in a retirement account. But I wouldn't own them in a taxable account because of the tax accounting complexity. See the five issues listed in my post, Re: TIPS: individual vs fund? . A TIPS fund avoids these difficulties. If you do buy individua...
by #Cruncher
Tue Feb 21, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan repayment Amortization - seems incorrect
Replies: 6
Views: 460

Re: Student Loan repayment Amortization - seems incorrect

Your total interest paid is based on the number of days between payments. Yes. Applying a 4.125% annual rate on a daily basis against an initial $76,457.67 loan balance produces the amortization schedule shown in the original post (+/- a penny): $598.93 Payment ------------------- Date Days Interes...
by #Cruncher
Sun Feb 19, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS Auction Feb 16: real yield 1.1%?
Replies: 40
Views: 4195

Re: 30 yr TIPS Auction Feb 16: real yield 1.1%?

... That's why I like STRIPS. What would really be nice for inflation-indexed ladder builders is STRIPped TIPS to mature in the years when no regular TIPS do (2030-2031 & 2033-2039). As mentioned on this TD web page , the principal and interest of TIPS as well as nominal Treasuries can be separ...

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