Search found 3 matches

by montero4
Sun Aug 13, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting Bond index equivalent at workplace 401K option
Replies: 9
Views: 536

Re: Need help in selecting Bond index equivalent at workplace 401K option

Thanks so much for your replies. I didn't know if the 3% real option was good, but it seems to be, based on your replies here. It is unusual, you are right. Based on the description that I did have, I checked the US CPI for the period March 2016 to March 2017, it did rise by 2.4%. https://www.bls.go...
by montero4
Sat Aug 12, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting Bond index equivalent at workplace 401K option
Replies: 9
Views: 536

Re: Need help in selecting Bond index equivalent at workplace 401K option

Thank you both for replying. The 3% option doesn't have any fees. The annual rate appears to be set every May, based on March-March yearly U.S CPI Index. I just checked, and the rate has been set at 5.38% for the next year. So the maximum return is always 3% above the US CPI, thus 5.38% for the next...
by montero4
Sat Aug 12, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting Bond index equivalent at workplace 401K option
Replies: 9
Views: 536

Need help in selecting Bond index equivalent at workplace 401K option

Hello, I'm finally looking into investing properly and I signed up for my company's 401K recently. I'm going with the couch potato type of allocation of 60% equity/40% bond using index funds. I'm confused with the bond part of this allocation. I seem to have 3 choices: - a real 3% option. The descri...