Bonds. More bonds.

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epilnk
Posts: 2632
Joined: Wed Apr 18, 2007 7:05 pm

Bonds. More bonds.

Post by epilnk » Thu Oct 11, 2018 6:49 pm

Hi all,

We have a sudden need for a lot more bonds in taxable. We already have a large chunk of our portfolio in state munis - as much I am comfortable holding at the moment, so I prefer not to increase. So I'm looking to add new bond funds for the first time in more than a decade, and I see that VG has added a few federal muni offerings since I last looked.

What are tax exposed people doing for bonds these days? Is TIPS in taxable still best avoided? Did the recent tax legislation bring any changes I need to keep in mind?

Thanks.

Age: 56
Allocation: Moving from 60/40 towards 50/50.
Tax sheltered space: less than 20% of portfolio.
Tax bracket: high fed, high state.

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LadyGeek
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Re: Bonds. More bonds.

Post by LadyGeek » Thu Oct 11, 2018 9:33 pm

This thread is now in the Investing - Help with Personal Investments forum (portfolio help).
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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patrick013
Posts: 2367
Joined: Mon Jul 13, 2015 7:49 pm

Re: Bonds. More bonds.

Post by patrick013 » Thu Oct 11, 2018 10:08 pm

epilnk wrote:
Thu Oct 11, 2018 6:49 pm

What are tax exposed people doing for bonds these days? Is TIPS in taxable still best avoided? Did the recent tax legislation bring any changes I need to keep in mind?
I'm looking at 10 year Agency new issues at Fidelity. Some of them are state
tax exempt. 4% at par and may go higher next year. Otherwise the usual
ST and IT muni funds are always available depending on tax equivalent yields
for their maturity. With rates going up it may pay a little bit to wait.
age in bonds, buy-and-hold, 10 year business cycle

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