Search found 556 matches

by MoneyMarathon
Sun Aug 25, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 21443

Re: Negative Interest Rates in U.S.

Not a lot different than me setting up "The Welderwannabe Prize in Bogleheads Studies in memory of Alfred Nobel" and calling it a Nobel prize :beer https://www.nobelprize.org/the-nobel-prize-organisation/prize-awarding-institutions/ The not-a-Nobel-prize prize is awarded by the Royal Swedish Academ...
by MoneyMarathon
Sat Aug 24, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Honest question to people invested. How does it feel to know that your funds will be selling stocks today? I'm a long term investor. Ordinarily, I don't know about daily price movements or 10-19% corrections. When I do, I don't care. Somehow I missed even knowing that stocks when down during Decemb...
by MoneyMarathon
Fri Aug 23, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Honest question to people invested. How does it feel to know that your funds will be selling stocks today? I'm a long term investor. Ordinarily, I don't know about daily price movements or 10-19% corrections. When I do, I don't care. Somehow I missed even knowing that stocks when down during Decemb...
by MoneyMarathon
Fri Aug 23, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

305pelusa wrote:
Fri Aug 23, 2019 6:14 am
I'm assuming you've put money in this fund ?
Yes. I was not annoyed by the somewhat-valid criticism. The completely invalid bits were a bit annoying.
by MoneyMarathon
Thu Aug 22, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Then I am confused by this sentence in the prospectus: "Though the Fund does not normally invest directly in S&P 500 Index securities, when S&P 500 Index derivatives appear to be overvalued relative to the S&P 500 Index, the Fund may invest all of its assets in a “basket” of S&P 500 Index stocks." ...
by MoneyMarathon
Thu Aug 22, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

305pelusa wrote:
Thu Aug 22, 2019 7:40 pm
Also, I noticed they could invest in individual securities with that fund. That would concern me as it adds another uncompensated risk (stock picking).
There's zero stock picking in PSLDX.

There is, however, plenty of bond picking.
by MoneyMarathon
Thu Aug 22, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I have been following this thread since day 1. The OP strategy and its variations (including PSLDX) are not immediately available to EU investors. I was wondering whether somebody has any suggestion on how non US people can implement this approach. Might just dig under the hood of funds like PSLDX ...
by MoneyMarathon
Thu Aug 22, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: The Small Lie: Small Caps are Riskier
Replies: 54
Views: 3187

Re: The Small Lie: Small Caps are Riskier

Northern Flicker wrote:
Thu Aug 22, 2019 3:36 pm
That is incorrect thinking. Liquidity cost is transaction cost, which is not part of ER.
Thanks for pointing this out. My comment was misleading.

Note how Vanguard mitigates liquidity risk: "The fund invests by sampling the index..."
by MoneyMarathon
Thu Aug 22, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Multi Streams of Income to Build Wealth?
Replies: 44
Views: 2588

Re: Multi Streams of Income to Build Wealth?

is my megacorp salary enough to become wealthy? Yes, it can be enough. "Multiple streams" is an idea promulgated by (a) people who have done it and seen it work for themselves, (b) people trying to get you to buy into something or to get involved in some side business, (c) writers who've never made...
by MoneyMarathon
Thu Aug 22, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: tax efficiency of funds vs ETFS - better to stay the course than chase a few bp
Replies: 4
Views: 390

Re: tax efficiency of funds vs ETFS - better to stay the course than chase a few bp

It's good info for people starting out. If we say it doesn't matter, that just perpetuates the high switching costs to someone that has not yet bought mutual funds in taxable.
by MoneyMarathon
Thu Aug 22, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: The Small Lie: Small Caps are Riskier
Replies: 54
Views: 3187

Re: The Small Lie: Small Caps are Riskier

So how can we say that small caps are riskier than large caps? There's slightly more liquidity risk. Institutions and funds can't enter and exit large positions easily without problems with execution and slippage, so they suffer from more liquidity issues than high volume (large cap) tickers. If co...
by MoneyMarathon
Thu Aug 22, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: The Small Lie: Small Caps are Riskier
Replies: 54
Views: 3187

Re: The Small Lie: Small Caps are Riskier

So how can we say that small caps are riskier than large caps? There's slightly more liquidity risk. Institutions and funds can't enter and exit large positions easily without problems with execution and slippage, so they suffer from more liquidity issues than high volume (large cap) tickers. If co...
by MoneyMarathon
Thu Aug 22, 2019 8:30 am
Forum: Personal Investments
Topic: $1M cash: how to invest
Replies: 40
Views: 3493

Re: $1M cash: how to invest

I would never pay off a loan at that rate. I am actually trying to do a cash-out refinance of my current house at these low rates and we have more than the OP invested already. It's your choice, but I think people deserve a counterpoint. Good point. The OP has a great opportunity here to keep the l...
by MoneyMarathon
Thu Aug 22, 2019 12:55 am
Forum: Investing - Theory, News & General
Topic: The Small Lie: Small Caps are Riskier
Replies: 54
Views: 3187

Re: The Small Lie: Small Caps are Riskier

pdavi21 wrote:
Wed Aug 21, 2019 10:13 pm
So how can we say that small caps are riskier than large caps?
There's slightly more liquidity risk. Institutions and funds can't enter and exit large positions easily without problems with execution and slippage, so they suffer from more liquidity issues than high volume (large cap) tickers.
by MoneyMarathon
Wed Aug 21, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4268

Re: Looking at investment asset allocation in more detail than stocks/bonds

I have the same option as well. Is it a 100k initial minimum purchase? Schwab minimum is $1. Most places that have it offer a low minimum purchase, such as $1 or $100. For example, Ally Invest, E-Trade, and Schwab have low minimums, with Ally Invest at $100 minimum and the others at $1. Ally Invest...
by MoneyMarathon
Wed Aug 21, 2019 10:27 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4268

Re: Looking at investment asset allocation in more detail than stocks/bonds

Bosro wrote:
Wed Aug 21, 2019 10:11 pm
Does your 401k offer PSLDX? Been looking at my options and it appears that my solo 401k at E*TRADE has it available to purchase with no minimum and $20 fee.
I can get it through a Schwab PCRA brokerage window in my employer's 401k.
by MoneyMarathon
Wed Aug 21, 2019 10:14 pm
Forum: Personal Investments
Topic: $1M cash: how to invest
Replies: 40
Views: 3493

Re: $1M cash: how to invest

I feel anxious about investing it all at once -- my thought was to place is in a 2% money market account and invest all the funds on a monthly basis over the next 6-12 months. Any thoughts? The difference in the long term is both uncertain and negligible, apart from behavioral "error" . In the OP, ...
by MoneyMarathon
Wed Aug 21, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4268

Re: Looking at investment asset allocation in more detail than stocks/bonds

As with all leveraged funds I expect it eventually to have a near total loss and not recover. Yeah, it took a lot of trouble for me to figure out that this is wrong and that it misunderstands the nature of maintaining a constant proportion of leverage to net assets, which is different from taking o...
by MoneyMarathon
Wed Aug 21, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Just hit 50% total return, and it only took 6.5 months. Compare that to 8% for the S&P 500. So much for volatility decay and low interest rates! :sharebeer Thanks for the good advice to look into PSLDX (PIMCO Long Duration Total Return Fund Institutional Class) and MCDFX (Matthews China Dividend Fu...
by MoneyMarathon
Wed Aug 21, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4268

Re: Looking at investment asset allocation in more detail than stocks/bonds

As with all leveraged funds I expect it eventually to have a near total loss and not recover. Yeah, it took a lot of trouble for me to figure out that this is wrong and that it misunderstands the nature of maintaining a constant proportion of leverage to net assets, which is different from taking o...
by MoneyMarathon
Wed Aug 21, 2019 3:59 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4268

Re: Looking at investment asset allocation in more detail than stocks/bonds

But I’m curious - for those of you that have ventured outside of the traditional boglehead portfolio, what did you invest in/are you invested in? I've recently ventured, after being a replicate-the-market type for a while (intellectually since the early 2000s and reading Burton Malkiel's "A Random ...
by MoneyMarathon
Wed Aug 21, 2019 2:41 am
Forum: Investing - Theory, News & General
Topic: Diversification Regret Index
Replies: 161
Views: 19940

Re: Diversification Regret

Size is a continuous scale, and moving from biggest to medium-big is still a move TOWARD small. Fair enough, although using such language could be very confusing to those who think 'tilting toward small-cap' means actually owning small-cap companies, which equal-weighting of the S&P 500 does not do...
by MoneyMarathon
Wed Aug 21, 2019 1:19 am
Forum: Personal Investments
Topic: Series EE Treasury bonds for kiddie tax arbitrage
Replies: 14
Views: 984

Re: Series EE Treasury bonds for kiddie tax arbitrage

My first thought is that I know a lot of 25 year olds in a 35% or so federal + state income tax bracket. I think it'd be better to be gifted VTI (total stock), VT (world stock), VOO (S&P 500), MTUM (momentum), or a small cap fund. The tax hit can be timed (and may be taxed favorably as long term cap...
by MoneyMarathon
Mon Aug 19, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

The first idea would be the only one I would ever consider using. And would be looking at going from 100% VOO to 75/25 VOO/UPRO. Again, not sure why we are only supposed to look at bull market periods when assessing combing timing strategies and leverage.....but even in doing so....the timing strat...
by MoneyMarathon
Mon Aug 19, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Well, I was not talking about just a regular 200 day SMA strategy. That is always bound to underpeform (but at a lower volatility). I'm discussing incorporating a timing strategy with the use of the LETFs. Leverage on during up trends, no leverage during down trends. So moving from 100-150% equity ...
by MoneyMarathon
Mon Aug 19, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL savings rates
Replies: 43
Views: 3485

Re: HCOL savings rates

For those of you who live in the SF Bay Area (and didn’t buy your house 10 years or more ago) if you are making high 6 to low 7 figures total comp This is an odd way to ask the question. If you're interested in how people save to buy a house, it'd make sense to ask how much they were making in the ...
by MoneyMarathon
Mon Aug 19, 2019 12:23 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Well, I was not talking about just a regular 200 day SMA strategy. That is always bound to underpeform (but at a lower volatility). I'm discussing incorporating a timing strategy with the use of the LETFs. Leverage on during up trends, no leverage during down trends. So moving from 100-150% equity ...
by MoneyMarathon
Mon Aug 19, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

If we having a discussion that moves away from risk parity, and just trying to find a better way to hold equities.....how about this? This is basically going to 150% equity position when the SP500 is trading above it's 200 day SMA....and back to 100% equities when it is trading below it. One would ...
by MoneyMarathon
Mon Aug 19, 2019 1:36 am
Forum: Investing - Theory, News & General
Topic: Why do dividends still exist?
Replies: 204
Views: 11805

Re: Why do dividends still exist?

Since the majority of US stocks are held by tax-free investors, people tend to care less about taxes. I don't think so (re: "majority of US stocks," which I interpret as a majority of shares or wealth in equity). A 2/3 majority of US-based investor dollars in stocks (67%) are held by the top 1% in ...
by MoneyMarathon
Mon Aug 19, 2019 12:17 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Pimco is a great option and still of interest to me for potential future contributions; given the size of their pot, would they not be reaping the benefit of the rebalancing bonus as well? Any time yields go down at the same time as stocks, they definitely benefit because they are out on the long d...
by MoneyMarathon
Mon Aug 19, 2019 12:05 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 21443

Re: Negative Interest Rates in U.S.

LTTs are cheap and easy because, at the end of the day, they're still speculative as "stock portfolio insurance." You're still being compensated for taking the risk that they aren't actually that kind of "insurance" in every single bear market. Even as recently as 2008, Swedroe was writing that stoc...
by MoneyMarathon
Sun Aug 18, 2019 11:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

This is likely an exaggerated effect though since rebalancing with TMF (or any uncorrelated asset) will reduce the impact of volatility decay substantially as shown by MoneyMarathon. And if someone believes in the negative correlation rebalancing bonus, I'd say "M1 and chill" is worth a 1% manageme...
by MoneyMarathon
Sun Aug 18, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded inspection of actual low-vol fund
Replies: 31
Views: 3537

Re: Simple-minded inspection of actual low-vol fund

The fundamentals (higher P/E than the market itself despite lower growth in earnings) also indicate that min vol is either correctly priced or has already passed that point and it's now just a matter of how big the bubble will get before popping You can argue that low vol stocks are richly priced a...
by MoneyMarathon
Sun Aug 18, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded inspection of actual low-vol fund
Replies: 31
Views: 3537

Re: Simple-minded inspection of actual low-vol fund

"slightly better" long term returns with lower volatility. Ain't no such thing. Why not? There may be no compensation for holding lottery stocks. Because now everyone can buy low volatility, with a low expense ratio, and the market inefficiencies due to shorting constraints are diminishing as more ...
by MoneyMarathon
Sun Aug 18, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 1995

Re: I and EE bonds

In other words, an extra $40,000 a year in income by cashing in EE bonds is going to be pretty sweet if a severe (deflationary) crisis of some kind hits and your stocks are worth less than you paid for them. Potentially even life-changing amounts of money, depending on the severity of the crisis. <...
by MoneyMarathon
Sun Aug 18, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded inspection of actual low-vol fund
Replies: 31
Views: 3537

Re: Simple-minded inspection of actual low-vol fund

Low vol proponents say one should expect the same or slightly better broad equity returns + two thirds of the volatility and the actual performance bears that out. The burden of proof lies with the low vol sceptics. Short term backtest believers will love low vol until they are proven wrong. That's...
by MoneyMarathon
Sun Aug 18, 2019 3:34 am
Forum: Personal Investments
Topic: Getting Married - Portfolio Optimization Questions
Replies: 7
Views: 760

Re: Getting Married - Portfolio Optimization Questions

https://www.bogleheads.org/wiki/Prioritizing_investments Husband 401k Husband Self Employed 401k Husband IRA Husband Roth IRA Husband Taxable Wife 401k Wife Self Employed 401k Wife IRA Wife Roth IRA Wife Taxable Your options look like this: 401k (employee contribution - $19k x 2) Backdoor Roth IRA (...
by MoneyMarathon
Sun Aug 18, 2019 12:25 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: U.S. Weighs Selling 50- and 100-Year Bonds
Replies: 36
Views: 3677

Re: Bloomberg: U.S. Weighs Selling 50- and 100-Year Bonds

Just imagine a 75 year duration STRIPS fund...talk about volatility. Could a bond whiz tell me what would happen to the value of a STRIPS that will mature in 100 years if yields on 100-year treasury goes up or down 1%? (say from 2% to 3%, or 2% to 1%). I ask because the rule of thumb obviously fail...
by MoneyMarathon
Sun Aug 18, 2019 12:06 am
Forum: Personal Investments
Topic: Please review my asset allocation
Replies: 6
Views: 587

Re: Please review my asset allocation

15% International 1. I’m fairly new to asset allocation so I’m curious if I’m doing it properly. You're doing good. You may be interested in this Vanguard take on asset allocation: https://personal.vanguard.com/pdf/icriecr.pdf Considerations for investing in non-U.S. equities "Although there is no ...
by MoneyMarathon
Sat Aug 17, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 32
Views: 2477

Re: Why not invest in sector ETFs?

I'm not trying to beat the market. I want a safe backup investment in case the market underperforms, and I'm not really interested in bonds currently. I understand not wanting to buy bonds. Bonds don't do as well as stocks in the long run. So why bonds? Unfortunately, any investment that is a "stoc...
by MoneyMarathon
Sat Aug 17, 2019 9:35 pm
Forum: Personal Investments
Topic: Revisiting EE Bonds given 20 year treasury bond at ~1.9%
Replies: 31
Views: 2367

Re: Revisiting EE Bonds given 20 year treasury bond at ~1.9%

I think there is a case, for us, for the I/EE ladder to build an income floor that will bridge the period from a hoped for early retirement (in 20 years when kids leave home, we hope) until full social security (which will not have been gutted, we hope). All abstract arguments aside, I really like ...
by MoneyMarathon
Sat Aug 17, 2019 8:58 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 32
Views: 2477

Re: Why not invest in sector ETFs?

I didn't mention it in my OP, but I've been thinking about just putting the rest into a defense fund or just a single stock such as Lockheed Martin or Raytheon. I just can't imagine their price going down that much in this country. You'd be taking on unnecessary risk with individual stocks - you sh...
by MoneyMarathon
Sat Aug 17, 2019 7:13 pm
Forum: Personal Investments
Topic: Revisiting EE Bonds given 20 year treasury bond at ~1.9%
Replies: 31
Views: 2367

Re: Revisiting EE Bonds given 20 year treasury bond at ~1.9%

Maybe my question should have been: if I was going to purchase a new 20 year bond, is the EE clearly a better choice? If you want the money in 20 years, without taking on much/any credit risk, then yes, it's basically a mispricing in your favor that exists because of government rules on who can buy...
by MoneyMarathon
Sat Aug 17, 2019 2:59 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 915
Views: 52357

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Long story short, about 3x leverage could be optimal if the rebalancing bonus is quite as big as it has been recently, even if the returns of long term treasuries are lower than the past. So the 55% UPRO / 45% TMF does indeed depend on the assumption of a negative correlation between stocks and lon...
by MoneyMarathon
Sat Aug 17, 2019 1:51 am
Forum: Investing - Theory, News & General
Topic: Asset location: bonds belong in taxable
Replies: 70
Views: 6945

Re: Asset location: bonds belong in taxable

I have been doing some calculations to determine where to place bonds in my portfolio. Would welcome any comments or feedback. I think you're right. Treasury bonds can very well go in taxable. If you're interested in treasuries and in withdrawing the money in 20 years, then EE bonds would deliver 3...
by MoneyMarathon
Sat Aug 17, 2019 1:36 am
Forum: Investing - Theory, News & General
Topic: Statistics used to analyze S&P500
Replies: 18
Views: 1519

Re: Statistics used to analyze S&P500

investor3000 wrote:
Fri Aug 16, 2019 11:15 pm
If assets follow Markov Chains
Spoilers: they don't.
by MoneyMarathon
Sat Aug 17, 2019 1:29 am
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 74
Views: 13538

Re: The value of international stocks, in pictures

Many investors may be either too young or too old to remember the period from 1971 to 1988 (nearly two full decades) during which a globally diversified equity portfolio complex completely dominated a US-only equity portfolio. I find it a bit disingenuous to include a 17 year time period that inclu...
by MoneyMarathon
Sat Aug 17, 2019 12:46 am
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 1995

Re: I and EE bonds

Perhaps you can do something like buy your full allotment between ages 40-50 so that you can retire at 60 and use your maturing EE bonds as income until social security deferred until age 70 kicks in. This is what I'm currently considering, although starting a little earlier. I've seen people take ...
by MoneyMarathon
Fri Aug 16, 2019 9:56 pm
Forum: Investing - Theory, News & General
Topic: When should I invest on Vanguard margin?
Replies: 24
Views: 2422

Re: When should I invest on Vanguard margin?

But keep in in mind that earnings fall in a recession, and stocks may not look as cheap as you expect even after a significant drawdown. So you dont want your filter too stringent, if you actually want to do it. Great point. P/E spiked above 40 in the dot com crash and above 100 in the great financ...
by MoneyMarathon
Fri Aug 16, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 1995

I and EE bonds

The treasury is currently selling I bonds with a real rate of 0.5% (nominal floor 0%) and selling EE bonds with a 20-year nominal rate floor of 3.53% (doubling in 20 years). The main limitation is the purchasing limits. You can buy $10,000 of each per SSN per year online, so a couple could buy up to...