Search found 188 matches

by LMK5
Thu Sep 15, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

What would you do with the $640 per year if you cancelled the life insurance? I guess it would wind up in my online savings account. So, after 7 years, you would accumulate about $4,662 (I'm using a 1% interest rate, since you said it would go in a savings account). If you're still alive in 7 years...
by LMK5
Thu Sep 15, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

What would you do with the $640 per year if you cancelled the life insurance? I guess it would wind up in my online savings account. So, after 7 years, you would accumulate about $4,662 (I'm using a 1% interest rate, since you said it would go in a savings account). If you're still alive in 7 years...
by LMK5
Thu Sep 15, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

B0bL0blawsLawBl0g wrote:What would you do with the $640 per year if you cancelled the life insurance?


I guess it would wind up in my online savings account.
by LMK5
Thu Sep 15, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

We bought $1M 20-yr term for each of us when our 2nd child was born sized to have enough to pay off the mortgage and fund college if something should happen to one of us. Premiums are $500/yr for me $1200/yr for my husband. We no longer have a mortgage and the college funds are almost fully funded....
by LMK5
Thu Sep 15, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

With the wife being 10 years younger, how will you handle retirement? Will she "retire" (stop working) at the same time as you? If this is the case then in the event of your passing during the term of the insurance the proceeds might do well to carry her through to when she can obtain her...
by LMK5
Thu Sep 15, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

based on the info shared, and the fact that 8 years of the 15 year level term have passed, you still have a child who needs to go to college, you are now 55 years old so more risk to the insurer, you also have more risk of becoming uninsurable, current premium is relatively affordable , I would sug...
by LMK5
Thu Sep 15, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

I'm just concerned that I would keep the policy because "I've paid in for 8 years" which of course is not a good reason. Given the limited info on your financial status; other than retiring soon... With 2 kids aged 15, I'd keep it. You owe it to them and your wife should the worst happen....
by LMK5
Thu Sep 15, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

Two issues First, Is it needed? Only you can answer that. Then, even if it's not needed, would it be very helpful? Second, is it a good value? With level term you overpay at the beginning and underpay or pay a fair price toward the end. Since the premium is level but your risk to the insurer rises ...
by LMK5
Thu Sep 15, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

Will your family be able to live without your income if you die? If the answer is no, you should keep the life insurance. The primary purpose (IMHO) of life insurance is to provide for those who are dependent upon your income. If no one is dependent on your income, there is no *need* for life insur...
by LMK5
Thu Sep 15, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

... My thinking at the time was that since my portfolio took such a hit, it would be nice to have this buttress, should something happen to me (I have a family with 3 kids).... And if your portfolio takes such a hit again would it still be nice to have this buttress, or is it no longer needed? And ...
by LMK5
Thu Sep 15, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Re: Should I Cancel My Term Life Insurance?

... My thinking at the time was that since my portfolio took such a hit, it would be nice to have this buttress, should something happen to me (I have a family with 3 kids).... And if your portfolio takes such a hit again would it still be nice to have this buttress, or is it no longer needed? Good...
by LMK5
Thu Sep 15, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1229

Should I Cancel My Term Life Insurance?

Back in 2009, at the height of the market debacle, I decided to take out some life insurance. So I took out a $500k policy with a 15-year term. My thinking at the time was that since my portfolio took such a hit, it would be nice to have this buttress, should something happen to me (I have a family ...
by LMK5
Wed Aug 31, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA
Replies: 14
Views: 1054

Re: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA

I am 46 and can't imagine having 46% of my AA in bonds. If you are going to retire at 65, that is 18 years away. Way too conservative for me. In fact, I doubt I will ever have more than 40% in bonds. I am also 46 and am close to age in bonds, including all FI (CDs etc) I have more than age in bonds...
by LMK5
Tue Aug 30, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA
Replies: 14
Views: 1054

Re: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA

Engineer250 wrote:A lot of people use (age - x = bonds) where x can be whatever you feel like you can justify.


Yeah, and the problem is that "x" tends to climb along with one's complacency with the market.
by LMK5
Tue Aug 30, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA
Replies: 14
Views: 1054

Re: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA

Is Vanguard tossing out the old Bogle mantra of "your age in bonds"? In looking at the Target Retirement 2015 fund AA, they currently have a 47% allocation to equities. Assuming Vanguard is using a retirement age of 65 as their benchmark, why wouldn't they be closer to the 35% equity allo...
by LMK5
Tue Aug 30, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: Bond Behavior: IPS vs. International vs. General
Replies: 2
Views: 244

Bond Behavior: IPS vs. International vs. General

I noticed some all-in-one funds maintain allocations to both inflation protected bonds and also to international bonds. Can someone tell me how each of these would be expected to behave in different economic conditions relative to general bonds, and also what a sound allocation to each of these woul...
by LMK5
Tue Aug 30, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: "Your Age In Bonds"vs. Target Retirement 2015 Fund AA
Replies: 14
Views: 1054

"Your Age In Bonds"vs. Target Retirement 2015 Fund AA

Is Vanguard tossing out the old Bogle mantra of "your age in bonds"? In looking at the Target Retirement 2015 fund AA, they currently have a 47% allocation to equities. Assuming Vanguard is using a retirement age of 65 as their benchmark, why wouldn't they be closer to the 35% equity alloc...
by LMK5
Wed Aug 24, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by LMK5
Mon Aug 22, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

That is what I did but remember my small cap exposure was a decent size by itself but not a major percent of my allocation -- maybe 4% of my portfolio , so I could afford to carry a bit more risk. Also, I focus on the overall equity vs fixed income -- that is where the real risk/reward is. I don't ...
by LMK5
Mon Aug 22, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 35
Views: 2386

Re: Company's 401k junk and Trad IRA languishes - I want to fix now!

Please see the wiki article "prioritizing investments". The priorities that often work best for many people are: 1) contribute enough to the 401ks to get the full employer match; 2) pay off any high interest debt; 3) contribute the maximum to IRAs for both spouses; 4) contribute the remai...
by LMK5
Sun Aug 21, 2016 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Interesting, I have a large small cap position in my taxable account with large cap gains. I decided not to reinvest any distributions but it is such a small percentage of my total equities that I have not decided to take cap gains to reduce or eliminate it. I am well into retirement but you may ha...
by LMK5
Sun Aug 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by LMK5
Sun Aug 21, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by LMK5
Sun Aug 21, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

May I ask what your age is, or better yet, how many years until retirement? 60% sounds like a heavy weighting if you're close, .... I don't see myself having less than about 58% in equities on the low end until I die. I do see myself having more in equities occassionally. I haven't worked in a coup...
by LMK5
Sun Aug 21, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I am in a similar position as the OP only with US large cap stocks. And none of the suggestions will help. I have no more carry forward losses; donations to our DAF, new money, and dividends reinvested elsewhere will not be nearly enough alone to rebalance; I already use spec ID. No adult kids yet,...
by LMK5
Sun Aug 21, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by LMK5
Sun Aug 21, 2016 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

May I ask what your age is, or better yet, how many years until retirement? 60% sounds like a heavy weighting if you're close, .... I don't see myself having less than about 58% in equities on the low end until I die. I do see myself having more in equities occassionally. I haven't worked in a coup...
by LMK5
Sun Aug 21, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I am in a similar position as the OP only with US large cap stocks. And none of the suggestions will help. I have no more carry forward losses; donations to our DAF, new money, and dividends reinvested elsewhere will not be nearly enough alone to rebalance; I already use spec ID. No adult kids yet,...
by LMK5
Sun Aug 21, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

If you believe that SC has a higher expected return than LC, you could keep a lower overall stock position by keeping a higher SC allocation. For example, you could sell the LC(and maybe even add more SC), thus having a new higher SC AA and go to 45/55 AA overall. True, but keeping the higher perce...
by LMK5
Sun Aug 21, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

3) Unfortunately I didn't have that foresight. I believe my method is average cost basis which I don't believe can be changed. If you haven't sold any shares, then you can change your cost basis method now. What's the rule? Never having sold any shares since opening the fund, or never having sold s...
by LMK5
Sat Aug 20, 2016 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

If you believe that SC has a higher expected return than LC, you could keep a lower overall stock position by keeping a higher SC allocation. For example, you could sell the LC(and maybe even add more SC), thus having a new higher SC AA and go to 45/55 AA overall. True, but keeping the higher perce...
by LMK5
Sat Aug 20, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

livesoft wrote:4. Can I give away shares to charity or my Donor-Advised Fund and avoid realizing capital gains?

5. Do I have kids that I can gives shares to and let them sell the shares? Would they pay 0% LTCG tax?


Sounds complicated. I smell attorney fees.
by LMK5
Sat Aug 20, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Also don't be so strict with the percentages. If you sold large cap then how much is your small cap and what is your target %? Sounds like you are only wanting to sell about $10k. The problem is last year I also needed to sell small cap but didn't want the tax hit so I sold mid cap instead. Now I h...
by LMK5
Sat Aug 20, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I wouldn't sell. Instead, I'd simply make any new contributions in the asset class you'd like to own. It will rebalance itself over time that way. The problem is that any contributions I can make at this point aren't large enough--relative to the net assets of the portfolio--to make an impact. I ge...
by LMK5
Sat Aug 20, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I personally would not take the tax hit. I would be asking myself a couple of questions: 1. Where did all my tax-loss harvested losses go to such that I even need to think about net realized gains at tax time? and 2. Can I wait until the September distributions when most equity funds will pay out d...
by LMK5
Sat Aug 20, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2367

Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

I would like to reduce my equity percentage down to about 50% from 56% (I'm 55 years old). I have allocations I've maintained in the different classes of equities: Large Cap, Mid Cap, Small Cap, International, and Hard Assets (gold, energy, etc.), each with a specific percentage that in total equals...
by LMK5
Sun Nov 29, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 0
Views: 648

Can't Add Vanguard 529 Accounts to Yodlee?

I have 3 Vanguard 529 college savings plan accounts. I don't see a way to add them to "outside investments" using Yodlee. Does anyone know the trick? I previously had them listed when Cash Edge was the aggregator.
by LMK5
Fri Nov 27, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 3
Views: 870

Can't Add Vanguard 529 Accounts to Yodlee?

I have 3 Vanguard 529 college savings plan accounts. I don't see a way to add them to outside investments using Yodlee. Does anyone know the trick? I previously had them listed when Cash Edge was the aggregator.
by LMK5
Tue Jun 23, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

One thing not mentioned here is the buy-low-sell-high aspect of rebalancing--adding to sectors that have done relatively poorly and reducing those that have done better. Don't the expected gains from this principle nullify at least a portion of the tax liability that one might incur by rebalancing i...
by LMK5
Tue Jun 23, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

Here is what I have in my Investment Policy Statement, making a distinction between major asset classes (US stock, foreign stock, bonds, real estate) and subclasses (such as large-cap emerging markets). I will pay capital gains tax to rebalance in a taxable account only if a major asset class or su...
by LMK5
Tue Jun 23, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Re: Taxable Account Rebalance: Need Advice on Minimizing Damage

BL wrote:Are you using Specific Id for your basis? This allows you to pick the lots that have small gains when you sell.


No, unfortunately I'm using the average method. This is what gets reported from the fund companies.
by LMK5
Tue Jun 23, 2015 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Taxable Account Rebalance: Need Advice on Minimizing Damage

[Thread merged into here, see below. --admin LadyGeek] My current equity balance is at 60% and I want to bring it down to 50%. Within the equity allocation, I have specific allocations I've been maintaining for large cap, midcap, small cap, international, and natural resources equities. My major pr...
by LMK5
Tue Jun 23, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 5724

Re: Best Advice [Best single piece of advice to give a new investor]

1) Invest automatically and mechanically.
2) Max out your 401k from day 1.
3) Set a 50/50 asset allocation and just forget about it. Practice the incredibly successful strategy of benign neglect.
by LMK5
Tue Jun 23, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Re: Need Advice on Rebalancing Equity Subclasses in Taxable Account

Generally, I do not cause a tax liability when rebalancing. I will let my asset allocation among equities to drift a little bit before I will incur a tax liability. Do you have some tax-loss harvesting opportunities? For instance, in large-caps which you are not thinking of selling now? If you do w...
by LMK5
Tue Jun 23, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Rebalancing Equity Subclasses in Taxable Account
Replies: 13
Views: 652

Need Advice on Rebalancing Equity Subclasses in Taxable Account

My current equity balance is at 60% and I want to bring it down to 50%. Within the equity allocation, I have specific allocations I've been maintaining for large cap, midcap, small cap, international, and natural resources equities. My major problem is that my midcap and small cap allocations have t...
by LMK5
Fri May 15, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 11050

Re: Best Asset Allocation if you've "won the game"

When I retired 12 years ago at the age of 55, and determined that the main goal of my portfolio was capital conservation, I changed my allocation to: 30% Equities (a Global equity index fund plus small allocation of a Emerging Markets index fund) 55% Bonds (2 total return bond funds) 15% 5 year bon...
by LMK5
Fri May 15, 2015 2:39 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 11050

Re: Best Asset Allocation if you've "won the game"

How much in assets relative to what you'd need on a yearly basis? Do you care about how much you'd have left when you die? (to pass on) If you're just turtling in capital preservation mode, I would think something closer to 30/70 than 50/50 is appropriate. I could probably get by withdrawing 4% of ...
by LMK5
Fri May 15, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 11050

Re: Best Asset Allocation if you've "won the game"

Some actual numbers: for someone planning on $2M drawing $80k/year annually, if the market falls 50% and stays there, your choice is to keep 4% SWR and living on $40k/year or keeping on plan and hoping a few years of 8% draw downs don't deplete the account. Assuming the bond market is flat, only ha...
by LMK5
Fri May 15, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 11050

Best Asset Allocation if you've "won the game"

At 54, I feel like if I can keep my total assets about where they are, I could retire at 60. I am presently at 55/40/5 (stocks/bonds/cash). Is there an optimal asset allocation when you feel that you don't need to take much risk to get to the finish line? Also, my annual retirement contributions are...
by LMK5
Wed May 13, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 27
Views: 2207

Re: Corporate bond defined maturity funds

What else are you supposing the mutual fund is investing in other than the one 10-year over the period? Does it hold it to maturity? What about interest rates? Anyway, the contribution of an asset to total return is the same if you hold it or you have it indirectly through a mutual fund. But for a ...

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