Search found 2417 matches

by #Cruncher
Fri Dec 03, 2010 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: I bond
Replies: 26
Views: 4082

nisiprius makes a good point about the "put" option of I-bonds. Another thing in their favor is that, unlike TIPS, the principal can't go down. Since the current base rate is 0%, if the CPI declines in any of the 6-month periods used to calculate the composite rate, your I-bond value isn'...
by #Cruncher
Fri Dec 03, 2010 12:04 am
Forum: Investing - Help with Personal Investments
Topic: portfolio [updated 12/4]
Replies: 14
Views: 1549

I also would like to move the IRA contributions away from American Funds, given that they are class A shares my wife isn't quite in agreement with this since we've paid the fees already for them. The sales charge is a sunk cost so it's irrelevant when deciding whether to move your IRA . You should ...
by #Cruncher
Sun Nov 28, 2010 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF in Euro
Replies: 9
Views: 1755

There are 4 SPDR ETFs that invest in foreign bonds some of which are euro-denominated: Sym Exp Dur Euro% Descrip BWX 0.50 6.7yr 35% Sovereign BWZ 0.35 1.8yr 40% Sovereign IBND 0.55 4.5yr 60% Corporate WIP 0.30 9.5yr 30% Inflation Protected More info at https://www.spdrs.com/ I'm estimating the euro ...
by #Cruncher
Wed Nov 24, 2010 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: CD or TIPS in 401K (Fidelity BrokerageLink)?
Replies: 2
Views: 1135

I would suggest putting something into TIPS. This link shows current real yields (before inflation adjustment): http://www.ustreas.gov/offices/domestic-finance/debt-management/interest-rate/real_yield.shtml The 5-year yield currently is about 0%. So your actual yield would be solely based on the fut...
by #Cruncher
Wed Nov 24, 2010 8:25 pm
Forum: Investing - Theory, News & General
Topic: Need a 100% TIPS portfolio now
Replies: 89
Views: 14227

Here's a link to the outstanding TIPS: http://www.treasurydirect.gov/instit/annceresult/tipscpi/tipscpi.htm When you find the maturity dates that you want, you can look up the CUSIPs and go your broker. Here's a web page that provides a more useful listing of TIPS in maturity date order: http://eye...
by #Cruncher
Sat Nov 20, 2010 11:25 am
Forum: Investing - Help with Personal Investments
Topic: TIPS OID for 2010 Now Available
Replies: 5
Views: 1201

Re: TIPS OID for 2010 Now Available

The month of December runs from December 1 to December 31. The month of January runs from January 1 to January 31. TD published by the month. December does not run from December 2 to January 1. January 1 will be published the same day that January 31 is. That's my point. TreasuryDirect only shows D...
by #Cruncher
Sat Nov 20, 2010 8:47 am
Forum: Investing - Help with Personal Investments
Topic: TIPS OID for 2010 Now Available
Replies: 5
Views: 1201

TIPS OID for 2010 Now Available

With the release of the October CPI this week, it is now possible to compute the OID on TIPS held during 2010. The CPI increased 1.2% during the year. So for bonds held the entire year in a taxable account, there will be a small positive OID (varying from $11.87 to $15.67 per $1,000 of face value) t...
by #Cruncher
Sat Nov 20, 2010 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 1 more reason not to own TIPS in taxable
Replies: 13
Views: 3374

It doesn't look like TreasuryDirect knows the correct way to calculate OID! For example, the last item on your list appears to be $2,000 of the 5/8% 5-year TIPS maturing on 4/15/2013 re-issued on 10/31/2008. The correct OID s/b a negative $24.06, not the negative $23.38 they reported to you. The err...
by #Cruncher
Sun Jun 20, 2010 11:51 am
Forum: Investing - Theory, News & General
Topic: TIPS Index Ratios Web Site
Replies: 3
Views: 1038

TIPS Index Ratios Web Site

I've developed a web site that shows index ratios and related information on Treasury Inflation Protected Securities (TIPS). This may be of interest to investors who own individual TIPS and wish to confirm their broker's reports regarding purchases, interest, OID, and capital gains. I believe my sit...
by #Cruncher
Sun May 16, 2010 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Am I diversified?
Replies: 42
Views: 3919

I-Bonds Similarity to Cash

nisiprius wrote:I bonds are actually in many ways more like cash than like bonds

Eye opening! I'm thumping my forehead with the heel of my hand and exclaiming "I could have had an I-Bond". I'm going to rethink my attitude toward them.
by #Cruncher
Sat May 15, 2010 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Bond Index Funds
Replies: 2
Views: 806

Foreign Bond Index Funds

For diversification I like to have some of my bond money in a foreign bond index fund. I wish Vanguard had one. I've been able to find 3, all SPDRs. Here are their symbol, expense ratio, and current SEC 30 yield and duration: BWX 0.50% 2.41% 6.46 yr SPDR Barclays Capital International Treasury Bond ...
by #Cruncher
Sat May 15, 2010 2:56 pm
Forum: Investing - Theory, News & General
Topic: Sources for TIPS Ref CPI and Index Ratio Data
Replies: 5
Views: 1092

It might be easier to download the monthly CPIs from the BLS and calculate the reference CPIs and index ratios yourself. Ron That's what I've done. Some time ago I converted the entire table tetractys mentions to Excel and built the lookup tables necessary to calculate the Ref CPI for every day sin...
by #Cruncher
Sat May 15, 2010 2:16 am
Forum: Investing - Theory, News & General
Topic: DOW at the Same Level it was 10 Years Ago
Replies: 59
Views: 7274

S&P 500 is Better Index

Because of the way it's constructed the DJI is a poor index, especially for long periods of time. The S&P 500 is a much better one. It's down 20% over the same 10 year period.
by #Cruncher
Sat May 15, 2010 1:12 am
Forum: Investing - Theory, News & General
Topic: TIPS and the CPI
Replies: 1
Views: 887

TIPS and the CPI

I just bought a new computer a week ago to replace the same brand I bought in 2003. The new one came with 16X the memory, 6X the hard drive space, 3X the CPU speed, and a monitor with 60% more pixels. All this, not to mention improved software, sold at 2/3 the price I paid 7 years before! This got m...
by #Cruncher
Sat May 15, 2010 12:05 am
Forum: Investing - Theory, News & General
Topic: Sources for TIPS Ref CPI and Index Ratio Data
Replies: 5
Views: 1092

...The Accrued Principle is the Index Ratio. Click "Find Historical Data" for other dates... I'd never noticed the "Find Historical Data" link before. Of course the index ratios are only 3 decimal places instead of 5 -- not sufficient for calculating. And I noticed two rounding ...
by #Cruncher
Fri May 14, 2010 5:21 pm
Forum: Investing - Theory, News & General
Topic: Sources for TIPS Ref CPI and Index Ratio Data
Replies: 5
Views: 1092

Sources for TIPS Ref CPI and Index Ratio Data

We TIPS holders sometimes need this data to compute OID or to check the prices and interest our brokers report. I've used the Treasury Direct web site to get it. But it's time consuming to retrieve for multiple months and multiple TIPS. I've developed some spreadsheets that condense the information....
by #Cruncher
Fri May 14, 2010 3:24 am
Forum: Investing - Theory, News & General
Topic: 1099-OID from Vanguard Brokerage for 2009
Replies: 41
Views: 7731

Here's what I mean by calculating OID by hand. Here are the daily index ratios for Ed/Rager1's TIPS: 1/1/09: 1.20452 5/26/09: 1.18248 7/15/09: 1.18753 1/1/10: 1.20232 Here is the number of days in each of those periods: 1/1/09 thru 5/25/09: 145 5/26/09 thru 7/14/09: 50 7/15/09 thru 12/31/09: 170 So...