Search found 470 matches

by spdoublebass
Sun Dec 09, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard total corporate VTC: Why is the yield so low compared to its parts?
Replies: 1
Views: 230

Re: Vanguard total corporate VTC: Why is the yield so low compared to its parts?

I have wondered why as well. I do not know the answer.

I wonder if it has something to do with VTC being an etf of etf’s?

BNDW is made up of BND and BNDX and has the same issue.
by spdoublebass
Fri Dec 07, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44627

Re: Bonds - Throw it all on the table!!!

I’m not too proud.... I don’t understand the case where one would prefer STRIPS (or an ETF like EDV) over long treasuries. Help on understanding that would be appreciated. The duration of EDV is 24.3 yrs compared to VUSTX which is 16.6 yrs; duration is how long it takes for the bondholder to get re...
by spdoublebass
Fri Dec 07, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44627

Re: Bonds - Throw it all on the table!!!

I’m not too proud.... I don’t understand the case where one would prefer STRIPS (or an ETF like EDV) over long treasuries. Help on understanding that would be appreciated. The duration of EDV is 24.3 yrs compared to VUSTX which is 16.6 yrs; duration is how long it takes for the bondholder to get re...
by spdoublebass
Mon Nov 26, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 38
Views: 2716

Re: For i401k, Vanguard does not allow investment into Admiral Shares

Is it still the case that Vanguard does not allow access to Admiral shares in their i401K? Their page seems to state otherwise but following the link just takes you to the their general mutual fund and ETF options. https://investor.vanguard.com/small-business-retirement-plans/individual-solo-401k I...
by spdoublebass
Mon Nov 26, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: Market Weight:effect of Individual Stock and EM
Replies: 6
Views: 552

Re: Market Weight:effect of Individual Stock and EM

bluquark wrote:
Mon Nov 26, 2018 12:15 am
EM is about 4% of VT. If it tripled in market float, then VT would increase by 8%.
Just for other people reading this thread.
EM is currently 9.1% of VT
China is 2.9% of VT
by spdoublebass
Sun Nov 25, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Market Weight:effect of Individual Stock and EM
Replies: 6
Views: 552

Market Weight:effect of Individual Stock and EM

Please note: 1. I know the answers to my questions will be subject to how much International one holds. I am not trying to start another discussion on that subject. 2. I'm talking about market weight indices. I have been following the US vs INT thread currently going on in this forum. People refer t...
by spdoublebass
Tue Nov 20, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98487

Re: How much international stock? A suggestion.

I read these discussions and wonder why some seem to be so...religious ;) about the issue. It doesn’t have to be all or nothing: it’s pretty darn easy tobput half your equities in TSM and the other half in a global cap fund like VT. That puts one at about 25% international. That’s the Goldilocks zo...
by spdoublebass
Tue Nov 13, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98487

Re: How much international stock? A suggestion.

These threads are always entertaining. However, with all the different opinions, I do not think people take into account the individual's perspective. If someone is entering retirement and has held only US equity for 30+ years, I wouldn't expect them to want to hold International equity now. Likewis...
by spdoublebass
Fri Nov 02, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 136
Views: 11538

Re: Core-4 Investing is LIVE! It really is this time!

Rick I like your website. Do you have any recommendations or general guidelines for which portfolio to pick based on your stage in life such as someone entering early career versus recently retired? For example which of the core-4 would you use for an early retiree. Looks like a lot of cross over b...
by spdoublebass
Thu Nov 01, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 136
Views: 11538

Re: Core-4 Investing is LIVE! It really is this time!

I have been awaiting this launch ever since I heard this new website was coming. I’m speaking only as a new investor (second year in the market). There have been other threads on this forum debating if Mr. Ferri would still include REITs in today’s market. Obviously, this website answers this questi...
by spdoublebass
Thu Nov 01, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 136
Views: 11538

Re: Rick Ferri's new Core-4 (6 versions) Website

You may want to check out this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=262817&newpost=4193143&view=unread#unread I can't speak for Rick, but I suspect REITS are less correlated to the stock market and give a diversification benefit. Thank you. I searched for other threads, fig...
by spdoublebass
Wed Oct 31, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 136
Views: 11538

Rick Ferri's new Core-4 (6 versions) Website

[Thread merged into here, see below (next page) --admin LadyGeek] Here's his latest update that was released today. https://core-4.com/?fbclid=IwAR3M_i8NdwD4lbaUzbEYdlmWJNE68n4oKQgFkVudk0NQ-DDNeSkmW8-bTaA From reading this forum I knew his CORE 4 was going to be updated. I've paid attention to Mr. ...
by spdoublebass
Thu Oct 25, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7279

Paul Merriman 2 Funds for Life

Just curious if anyone caught Paul Merriman's latest Podcast. I always find him interesting.

He came out with a 2 Fund portfolio.

https://paulmerriman.com/2-funds-for-life/

Basically it's 1.5 X your age in a TDF, and the remaining in SCV.
by spdoublebass
Thu Oct 25, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Specific Question about ST Bond fund vs MM
Replies: 5
Views: 638

Re: Specific Question about ST Bond fund vs MM

I know VGSH would be state tax free. From reading this forum, I know if a fund is combined treasury and corporate bonds it can be tricky. I was also curious about BSV. Short term bond fund. I live in NY. I am having a hard time finding what percent of the bond fund needs to be treasury for that port...
by spdoublebass
Wed Oct 24, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Specific Question about ST Bond fund vs MM
Replies: 5
Views: 638

Specific Question about ST Bond fund vs MM

I have made a previous post about saving for a non retirement goal about 10 years away. I'm am happy with my AA for that, this question is not about that side of things. I wanted to keep 10% of this money liquid and on hand. My first inclination was to just use a MM fund which at Vanguard has a Sec ...
by spdoublebass
Sun Oct 07, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 79
Views: 13991

Re: Why not a 2 fund portfolio like Bogle suggests

There are lots of scenarios I can easily imagine involving for example, runaway government spending on (take your pick) Healthcare, military, giveaways to the poor, giveaways to the rich, etc. where the US gets into economic trouble that both a) adversely affects the value of US bonds AND b) does n...
by spdoublebass
Sun Sep 23, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1873

Re: How do you define your success in our life, career and job?

"the real work is to see the world as real as it is and to make ourselves as real as we are in it." -Gary Snyder When I was younger my Dad told me that if I can do something I like for a living to do that. Even if I fail at it, you win. You can always go work 40 hours a week somewhere. I can't imagi...
by spdoublebass
Thu Sep 13, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 548

Re: TIAA questions

Additionally, many of us with larger TIAA plans use Trad as a bond surrogate, since its value can't decrease, unlike a real bond fund. But you can only use GSRA Trad to rebalance into stocks, obviously, not restricted GRA Trad. Also need to consider your overall AA. Don't see your ages mentioned, b...
by spdoublebass
Thu Sep 13, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 548

Re: TIAA questions

In the ORP, I have access to the GRA version of Traditional with 4% guarnteed. Are you sure that's the guaranteed minimum, rather than what it happens to be paying right now? I'd expect the guarantee to be something like 3.25% for a GRA or RA contract. I know this is not liquid. My question is this...
by spdoublebass
Thu Sep 13, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 548

TIAA questions [GRA (Group Retirement Annuity) payout options]

My wife and I each have a 403B with TIAA. These accounts represent a small portion of our overall portfolio because we are not Full time professors. Our University switched our titles and now we qualify for an ORP (Optional Retirement Program). We must contribute 3% of our income and the University ...
by spdoublebass
Sun Sep 09, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global Bond Index Portfolio (annuity)
Replies: 20
Views: 3260

Re: Vanguard Global Bond Index Portfolio (annuity)

I think the non-US bonds are currency hedged, but Vanguard badly wrote the description for BNWD so that the hedging is not immediately obvious. You have an eagle eye, I totally missed that. Yes, you're correct, the press release actually makes it more clear: Vanguard Total World Bond ETF is subject...
by spdoublebass
Thu Sep 06, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

So, when do they announce a VT + BNDW ETF-of-ETFs? I think they might one day do an ETF that tracks Global Market weight. So for example right now that would be: 57.8% VT 42.2% BNDW William Sharpe wrote a lot about this as I'm sure you know. I'm still (hopefully) a long way from retirement. I follo...
by spdoublebass
Thu Sep 06, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Well, I jumped in to this new ETF.
I had such a low amount in BND and BNDX that it won't make much difference.
by spdoublebass
Thu Sep 06, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

starkinthesouth wrote:
Thu Sep 06, 2018 12:09 pm

Agreed my math was not accurate, will update my post. Thanks
I make so many mistakes calculating stuff it's crazy. I just wanted to make sure. With this ETF of ETF structure it gets confusing fast.
by spdoublebass
Thu Sep 06, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Based on my quick calculation it appears that BNDW is composed of 37.2% BND and 62.8% BNDX (based on 18,275 shares BNDX and 11,075 shares BND). May I ask where you found this info? I can't find anything on the Vanguard website. I am not doubting your figures, just want to be able to see it for myse...
by spdoublebass
Thu Sep 06, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Based on my quick calculation it appears that BNDW is composed of 37.2% BND and 62.8% BNDX (based on 18,275 shares BNDX and 11,075 shares BND). May I ask where you found this info? I can't find anything on the Vanguard website. I am not doubting your figures, just want to be able to see it for myse...
by spdoublebass
Tue Aug 28, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 52
Views: 3103

Re: Student Loan Repayment Plan

Whether you file separately or jointly I would pay off the debt asap. Over the long run his income will go up substantially over the next 25 years and thus his debt payment will increase such that eventually the amount of actual forgiveness will be not much compared to what he will be paying for 25...
by spdoublebass
Tue Aug 28, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 52
Views: 3103

Re: Student Loan Repayment Plan

Hi all - I am reviving this thread with additional questions since we had made the decision to get married next year. Any advice/comments will be very much appreciated. :sharebeer I posted earlier in this thread my thoughts. But I had a few more. I think REAPYE and PAYE both are based off of 10% of...
by spdoublebass
Fri Aug 24, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5333

Re: Is Treasury Direct worth the hassle?

I’m not advanced in anything investing wise. I found Treasury Direct to be easy. I even attach a secondary person to my iBonds in case of my death.

I also use it for individual treasury bonds.
by spdoublebass
Fri Aug 24, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1114

Re: Can you lose principal on these types of bond funds if you hold them to maturity?

I'm sorry, and I'm not just being needlessly picky, but funds don't have principal. Principal is money somebody owes somebody else. With a fund, even a bond fund, nobody owes you nothin'. You of course are putting your capital at risk, and the ETFs you mention might be less risky than some others, ...
by spdoublebass
Thu Aug 23, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1114

Re: Can you lose principal on these types of bond funds if you hold them to maturity?

Since the fund performance is currently -3.75% ytd, than I would say yes you can lose principal....... :oops: "The Fund could lose money over short periods due to short term market movements and over longer periods during more prolonged market downturns." I stated in the title, if you hold them to ...
by spdoublebass
Thu Aug 23, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1114

Can you lose capital on these types of bond funds if you hold them to maturity?

IBDS= iShares Dec 2027 Corporate bond ETF BSCR= Investco 2027 Corporate bond ETF BSJP= Investco 2025 High Yield Bond ETF I'm not asking if you can lose to inflation, but can you lose principal? My understanding (from prospectus) is that these funds buy bonds that mature by a certain date. As they ma...
by spdoublebass
Thu Aug 23, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6914

Re: What non-Vanguard ETFs will you be looking to buy?

It won't change much for me. However, I am saving a specific dollar amount (not inflation sensitive) for the year 2030. So I have been tossing around different savings options (along with the majority in individual treasury bonds). For the Stock portion: VFMV Vanguard Min Volatility ACWV iShares Glo...
by spdoublebass
Wed Aug 22, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5141

Re: Is divorce a wise financial move?

We divorced then re-soldered our union, without the license or the legal state contract, there are several advantages financially even though that was not the initial reason for the split, ACA for the lower of the two incomes (me) is amazingly affordable. She has group federal plan. The taxation of...
by spdoublebass
Wed Aug 22, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5141

Re: Is divorce a wise financial move?

We divorced then re-soldered our union, without the license or the legal state contract, there are several advantages financially even though that was not the initial reason for the split, ACA for the lower of the two incomes (me) is amazingly affordable. She has group federal plan. The taxation of...
by spdoublebass
Tue Aug 21, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 22416

Re: Treasury Bonds are the Only Bonds You Need

So as the liability date approaches, you’d need to manage your effective duration by slowly selling the fund with the 5 year duration and buying a fund with a shorter duration. This is what I don't understand. What if the longer duration bond fund is down? If it has a long duration such as 15+ year...
by spdoublebass
Mon Aug 20, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 22416

Re: Treasury Bonds are the Only Bonds You Need

As a rule, the duration of your bonds should match your investment horizon. If you are more 10 years from retirement, the bulk of your bonds should be intermediate or long-term bonds, not a cash-like pseudo-insurance product like a GIC. This statement seems to be a major sub-current within this thr...
by spdoublebass
Sat Aug 18, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 14159

Re: Remind me (again) how real estate isn't a GREAT investment?

Of course Real Estate can be a great investment. I think the better question is will it be a great investment for you? I don't even own a house because I move so often for my work. Also, because I've rented so long I don't know how to fix anything, I am not handy. My point is that I probably shouldn...
by spdoublebass
Sat Aug 18, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?
Replies: 28
Views: 2270

Re: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?

I was just thumbing through Larry Swedroe’s book Investment Mistakes Even Smart Investors Make And ahow To Avoid Them. It’s a great book, easy to read, and I think Larry has said it’s his favorite of the one’s he’s written so far. There is a chapter (all of 3 pages) titled “Do You Believe Diversifi...
by spdoublebass
Fri Aug 17, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 2008

Re: Small cap tilt - value vs. growth

I really shouldn't be commenting because I do not know enough and hold market weight.... But, I read so much about small value being the better choice, but if I were going to tilt I would use the Extended Market index. I know it's not the point of the fund. Portfolio Vis. goes back to 1988, it comes...
by spdoublebass
Thu Aug 16, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 38
Views: 2716

Re: For i401k, Vanguard does not allow investment into Admiral Shares

As a current i401(k) and Roth i401(k) account holder at Vanguard holding most of my entire portfolio in those two accounts, I too am tempted to move them elsewhere due to the fact that Admiral shares are not available. Ever since opening the account, I have felt shortchanged due to the seemingly un...
by spdoublebass
Tue Aug 14, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund
Replies: 19
Views: 2276

Re: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund

CyberBob wrote:
Sun Aug 12, 2018 7:56 pm
spdoublebass wrote:
Thu Aug 09, 2018 9:19 pm
I thought this new fund was going to be a compliment to Total World stock fund.
That’s another fund that’s global credit and government.
viewtopic.php?t=249955

Thank you.
by spdoublebass
Thu Aug 09, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund
Replies: 19
Views: 2276

Re: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund

I thought this new fund was going to be a compliment to Total World stock fund.

Why wouldn't they just follow an index instead of actively managing it?
by spdoublebass
Mon Aug 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4967

Re: Dear BH, what are non-BH actions you do?

1. I didn't focus on paying back my student loan. Since I consolidated based off of my income, I just make the minimum payments. After 20 years, the balance will be counted as income and I will be taxed on it. I crunched the numbers....I end up paying less than the amount I borrowed if I just make t...
by spdoublebass
Mon Aug 06, 2018 2:06 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 1107

Re: Asset Allocation for a intermediate savings goal.

I've spent a lot of time thinking about an AA. I have one mapped out, but as stated above it will have to be watched carefully depending on what happens in the market. This lead me to think about what fund to use for the stock portion. I of course was leaning towards VTI (TSM), VOO (SP500), or even ...
by spdoublebass
Sun Aug 05, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 22416

Re: Treasury Bonds are the Only Bonds You Need

I'm not trying to derail this thread. I do have a question that I did not want to start a new thread for. I recently discovered Treasury Direct and CD's. My experience has only been with rates as they are currently. I went to TD and looked at previous treasury rates. In 2012 were one year treasury r...
by spdoublebass
Sun Aug 05, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6295

Re: Will dividend spending only portfolio last forever ?

I know I should just let this go, but I have to chime in.... Chip, Here is a article that WB is a closet dividend investor. (how dividend investors look at things). You post articles all over the place. This is fine if you are willing to defend them. Otherwise there is absolutely no point. The secon...
by spdoublebass
Sat Aug 04, 2018 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Small Retirement Portfolio—Advice Requested
Replies: 20
Views: 2140

Re: Small Retirement Portfolio—Advice Requested

It seems like you received great advice. I just wanted to chime in and mention that since you said you worked in the arts (as do I) you can invest any cash or 1099 paychecks into a Solo (or sometimes called Individual) 401K. Obviously Roth IRAs are great but if you are maxing it out, you might want ...
by spdoublebass
Fri Aug 03, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a value index fund (low-cost) that spans all market caps
Replies: 16
Views: 1713

Re: Looking for a value index fund (low-cost) that spans all market caps

jhfenton wrote:
Fri Aug 03, 2018 10:47 pm


+1 I own VFVA as well for the same reasons. It is a deep value fund that will always be around 1/3 each large, mid, and, and small.

Is there a similar fund to VFVA to use to look at historical returns? Would looking at 50/50 LCV/SCV be a decent comparison?
by spdoublebass
Fri Aug 03, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 1107

Re: Asset Allocation for a intermediate savings goal.

IBDS is a target maturity fund, a ETF that purchases bonds which mature in the year 2027. It will cash out that year, and should deliver a more-or-less predictable yield to maturity until then which is currently 4.16%. Once it cashes out you can move leave that money in cash, put it in a CD Good lu...