Search found 33 matches

by jeffreyalan
Fri Oct 04, 2019 11:56 am
Forum: Personal Investments
Topic: Simulating a 10 year Treasury in ETF form
Replies: 5
Views: 643

Simulating a 10 year Treasury in ETF form

If I wanted to get as close as possible to a constant 10 year Treasury in ETF form, how would I divvy up these ETFS? IEF 7-10 Treasury has an avg maturity of 8.49 years and an avg duration of 7.59 years TLH 10-20 Treasury has an avg maturity of 16.97 years and an avg duration of 12.50 years Do I wei...
by jeffreyalan
Thu Apr 11, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 331431

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

So what are the realistic chances that 3x ETFs like UPRO or TMF can go to zero, close and wipe you out like XIV did last year. I know XIV was not a levereged fund but still..
by jeffreyalan
Wed Apr 03, 2019 10:29 pm
Forum: Personal Investments
Topic: 10 Year Treasury ETF
Replies: 3
Views: 475

10 Year Treasury ETF

I know there isnt an ETF that only holds 10 year Treasuries. Which of these two ETFs would be closer?

IEF with avg duration 7.55 of and avg maturity of 8.48

Or

TLH with avg duration of 11.5 and avg maturity of 16.12

Should I be looking at the maturity or the duration?
by jeffreyalan
Mon Apr 01, 2019 8:37 am
Forum: Personal Investments
Topic: ETF choice for short term cash
Replies: 12
Views: 2095

Re: ETF choice for short term cash

How would ETFs like JPST or MINT hold up in a market meltdown such as 2008?
by jeffreyalan
Wed Mar 20, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 331431

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Any reason you didnt use UDOW instead of UPRO? It seems to backtest better.
by jeffreyalan
Wed Mar 20, 2019 1:31 pm
Forum: Personal Investments
Topic: Treasury Bill ETFs
Replies: 4
Views: 743

Treasury Bill ETFs

I am currently using an online broker (M1 Finance) that does not sell Treasury bills direct. However, I would like to keep the majority of my funds with them and need somewhere to park my cash. Should I feel safe with a Treasury bill ETF such as GBIL or SHV? By safe I don't mean from market fluctuat...
by jeffreyalan
Wed Mar 20, 2019 12:29 pm
Forum: Personal Investments
Topic: 2 ETF Portfolio
Replies: 5
Views: 550

2 ETF Portfolio

Any opinions on a simple 2 ETF portfolio:

VT- Total World Stock
BNDW - Total World Bond

I would just do those 50/50 and rebalance as necessary. Thoughts?
by jeffreyalan
Mon Mar 18, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 104
Views: 15962

Re: Buy and Hold Forever Stocks

Forever is a very long time. In 1900, the Dow Stocks were: American Cotton Oil Federal Steel * Peoples Gas American Steel & Wire * General Electric Company * Tennessee Coal, Iron and Railroad American Sugar National Lead U.S. Leather (Preferred) Continental Tobacco * Pacific Mail Steamship U.S. Rub...
by jeffreyalan
Fri Mar 01, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 174
Views: 24683

Re: Why does dividend investing not work?

I am a dividend growth investor myself. I will say that I do not in any way believe that dividends are "free money." I am well aware of the fact that I could buy an index fund, sell off shares as I need them and possibly achieve the same goals (tax issues notwithstanding). However, the reason I cho...
by jeffreyalan
Fri Mar 01, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 174
Views: 24683

Re: Why does dividend investing not work?

I am a dividend growth investor myself. I will say that I do not in any way believe that dividends are "free money." I am well aware of the fact that I could buy an index fund, sell off shares as I need them and possibly achieve the same goals (tax issues notwithstanding). However, the reason I choo...
by jeffreyalan
Sat Feb 23, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt vs savings
Replies: 14
Views: 1308

Re: Pay off debt vs savings

Unless you're 100% sure that you can actually avoid using your CC again and rebuild your EF fast enough, in which case go ahead and pay everything off. It's obviously the right thing to do from a purely financial POV. Just don't dismiss psychology entirely. [/quote] Yeah paying off debt is smart fin...
by jeffreyalan
Sat Feb 23, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt vs savings
Replies: 14
Views: 1308

Pay off debt vs savings

I want to get everyone's opinion on this topic. I have $13k in credit card debt at about 25% interest. I also have $13k in an auto loan at 10%. My savings account has about $25k in it. Should I just take that $25k and pay off all debt? My job is pretty secure at the moment. If I had an emergency I w...
by jeffreyalan
Mon Feb 04, 2019 8:14 am
Forum: Personal Investments
Topic: What is a "stock"
Replies: 9
Views: 684

What is a "stock"

Since most people on this board invest in stock funds, I assume that most believe in stocks as an asset class that respond to certain economic scenarios. Is the thought that stock is an individual ownership in a company and you reap the benefits and risks of that company sort of passe now? It seems ...
by jeffreyalan
Tue Oct 16, 2018 8:21 pm
Forum: Personal Investments
Topic: More safe: Treasury ETF or Bank Account
Replies: 6
Views: 1068

More safe: Treasury ETF or Bank Account

I was having a discussion with another person about investments today and the topic came up of which is ultimately safer: An ETF of all Treasuries (such as VGSH or SHV) or an FDIC insured bank account. Opinions?
by jeffreyalan
Mon Oct 15, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4632

Re: Relocation to California

Luckily for us we do not need a raise in salary really. We are currently living solely on my wife's salary and mine is going totally into savings. So if I wipe out our little bit of consumer debt before we move then we will be fine with $$ for at least a short while. I wouldn't even need to look int...
by jeffreyalan
Mon Oct 15, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4632

Relocation to California

My wife recently met her biological family who lives in the San Fernando Valley. In order for her to be closer to them and get to know them, we are thinking of relocating from Dallas to that area of California in about a year. My wife works from home so she would easily be able to make such a move. ...
by jeffreyalan
Mon Jul 23, 2018 9:41 pm
Forum: Personal Investments
Topic: Treasury Floating Rate Note-Has its Time Arrived?
Replies: 50
Views: 7096

Re: Treasury Floating Rate Note-Has its Time Arrived?

I feel like I am the only one who purchases and appreciates FRNs. I buy them from Treasury Direct. You get the 13 week bill rate plus a small spread. The rate resets every week so In a rising rate environment you dont have to wait until a bill matures to get a new, higher rate. You get it immediatel...
by jeffreyalan
Thu Jul 19, 2018 7:01 pm
Forum: Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 29
Views: 4460

Re: Are ETFs Really That Safe?

How does everyone feel about Treasury ETFs as a place to park cash for 1-2 years? Maybe SHV or TFLO?
by jeffreyalan
Thu Jul 19, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ACH PUSH to TreasuryDirect?
Replies: 8
Views: 924

Re: Can you ACH PUSH to TreasuryDirect?

You can transfer to TD from ALLY but not the other way around. TD does not accept ACH debits of any kind. So to send the money back you would have to link the accounts in TD and do a withdrawal from the TD site.
by jeffreyalan
Mon Jun 25, 2018 1:15 pm
Forum: Personal Investments
Topic: All Treasury Portfolio
Replies: 7
Views: 806

All Treasury Portfolio

I am turning 50 this year and have about 15 years until retirement (I hope). So what would be the drawbacks of an all-Treasury portfolio? If the purpose of investments is to protect your money against various economic cycles, couldn't I replicate that with a Treasury portfolio? I-Bonds and TIPS for ...
by jeffreyalan
Wed May 09, 2018 12:42 pm
Forum: Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2982

Re: Question on safety of ETFs

Here is an article that explains it better than I can. Specifically the part on the short selling is worrisome:

https://www.caseyresearch.com/are-etfs-really-safe/
by jeffreyalan
Tue May 08, 2018 8:22 pm
Forum: Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2982

Question on safety of ETFs

So I will confess that back in 2011 I succumbed to the siren call of the “doom porn” crowd. I read Schiff, Rickards and David Morgan. And slowly proceeded to lose several thousand dollars on silver and shorting treasury bonds ( since i was convinced of the $$ collapse any day). Then i finally starte...
by jeffreyalan
Thu Apr 26, 2018 2:31 pm
Forum: Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2980

Re: Rising Interest and bond funds

Well lets say my bond fund has a 2 year avg duration. So I am told that if I hold it thru 2 years then in general I should not have much of a principal loss. However, what if in year 1 interest rates rise 3 times? And then in year 2, interest rates rise another 3 times? Doesn't the NAV of the fund d...
by jeffreyalan
Thu Apr 26, 2018 2:08 pm
Forum: Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2980

Re: Rising Interest and bond funds

I hear people say all that time that rising rates are not a problem for a bond fund as long as you hold it thru the avg duration of the bonds in the fund. Can someone help me understand that better? I understand that theory if there is just one or two rate increases and then they stop. But in a situ...
by jeffreyalan
Thu Apr 19, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 40
Views: 12573

Re: Best way to hold Treasury Bills???

Would you feel comfortable putting $100k+ into Treasury Direct?
by jeffreyalan
Thu Apr 19, 2018 2:38 pm
Forum: Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 7663

Re: Anyone invest in I Bonds and why?

I wish!!

Let's say I buy the limit on IBonds for 5 or 10 years..so $50k to $100k.
by jeffreyalan
Thu Apr 19, 2018 2:34 pm
Forum: Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 7663

Re: Anyone invest in I Bonds and why?

Does everyone here feel comfortably placing large sums of money in Treasury Direct?
by jeffreyalan
Thu Apr 19, 2018 10:21 am
Forum: Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 1837

Re: ETFs for cash savings

I have considered laddering 1 year T-bills. Do you trust having large amounts of money in Treasury Direct?
by jeffreyalan
Wed Apr 18, 2018 8:57 pm
Forum: Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 1837

Re: ETFs for cash savings

I know I am sacrificing return. But it is for a possible house purchase so I cant take any chances (however remote) of a large drawdown in equities.
by jeffreyalan
Wed Apr 18, 2018 8:29 pm
Forum: Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 1837

Re: ETFs for cash savings

Do you feel Treasury ETFs like SHV or TFLO are decent options for safety and return etc?
by jeffreyalan
Wed Apr 18, 2018 8:05 pm
Forum: Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 1837

ETFs for cash savings

Any opinions here on using ETFs for my cash savings I will need in 3-4 years? Very safe ETFs like SHV or MINT?

Thanks!

Jeffrey
by jeffreyalan
Wed Apr 11, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 5745

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I am now in a position to start accumulating a good chunk of my monthly income and put it away. Do those of you who buy I bonds feel comfortable with the safety of the Treasury Direct website? Given that they do not provide monthly statements etc.

Thanks!

Jeffrey
by jeffreyalan
Mon Mar 19, 2018 9:54 am
Forum: Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 19
Views: 3273

Re: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

How about:

40% VYM (Vanguard HY Dividend Fund)
40% VCIT (Vanguard Intermediate Corp Bond)
20 % IEF (Ishares 7-10 year Treasury Bond)

Thanks!

Jeffrey