Where is your fixed income invested?

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corn18
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Where is your fixed income invested?

Post by corn18 »

I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
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Jack FFR1846
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Re: Where is your fixed income invested?

Post by Jack FFR1846 »

Total bond from Vanguard and Fidelity funds and US Savings Bonds.

My spending cash and some of my immediate emergency fund is at Ally, Redneck and my credit union.
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ruralavalon
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Re: Where is your fixed income invested?

Post by ruralavalon »

Congratulations on your imminent retirement :D .
corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
We use Vanguard Intermediate-term Bond Index Fund (VBILX) held in my rollover IRA.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
njay73
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Re: Where is your fixed income invested?

Post by njay73 »

ruralavalon wrote: Tue Jul 21, 2020 10:14 am Congratulations on your imminent retirement :D .
corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
We use Vanguard Intermediate-term Bond Index Fund (VBILX) held in my rollover IRA.
I am 50% stable and rest in a combination of Total Bond, iBond, intermediate + long term tips, and 5 yr CD ladder.
A few weeks back, after reading the following post, I have started moving from Stable to tips slowly.
I am sure this type of drop is common but probably useful to know (at least I was not).
viewtopic.php?t=261726

I am early/semi-retired with stock/bond 50/50
bigskyguy
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Re: Where is your fixed income invested?

Post by bigskyguy »

Treasuries only, TIPS and T-bills, purchased directly via our brokerage accounts, with our only expense the bid-ask spread. No reason paying a mutual fund to hold them when we can, given the market liquidity. We take all of our risk in equities.
zhuyz05
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Re: Where is your fixed income invested?

Post by zhuyz05 »

Cash and long term government bond
dbr
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Re: Where is your fixed income invested?

Post by dbr »

I would not hold all of 40% of my assets in one single 401k in one single stable value fund, the idiosyncratic risks of which are hard to evaluate for sure.
I have no data to support that, but there are too many places unlikely events could still arise in such a fund.* A split of 20% to SV and 20% to TBM could be a good compromise.

I hold a mix of intermediate Treasuries and intermediate TIPS and enough in stocks to hold my preference and judgement in risk and return.

*My megacorp 401k deleted their SV fund because the corporate investment committee decided the fund costs were too high. They offered an intermediate term bond index instead
jebmke
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Re: Where is your fixed income invested?

Post by jebmke »

Treasuries or equivalent (40% of fixed)
Investment Grade funds (44%)
Muni funds (15%)
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SevenBridgesRoad
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Re: Where is your fixed income invested?

Post by SevenBridgesRoad »

We use a single fund of funds for stocks and bonds: VTINX (Vanguard Target Retirement Income Fund).
njay73
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Re: Where is your fixed income invested?

Post by njay73 »

dbr wrote: Tue Jul 21, 2020 10:44 am
*My megacorp 401k deleted their SV fund because the corporate investment committee decided the fund costs were too high. They offered an intermediate term bond index instead
Did the value drop? like other thread I posted in my last post?
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corn18
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Re: Where is your fixed income invested?

Post by corn18 »

njay73 wrote: Tue Jul 21, 2020 11:07 am
dbr wrote: Tue Jul 21, 2020 10:44 am
*My megacorp 401k deleted their SV fund because the corporate investment committee decided the fund costs were too high. They offered an intermediate term bond index instead
Did the value drop? like other thread I posted in my last post?
I looked at that thread. The employer bailed on the SV fund and the value dropped. This would be normal, especially if the SV fund had an insurance wrap around it. If the SV fund had stayed in place, I doubt it would have dropped 5%. That's not how SV funds work.
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dbr
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Re: Where is your fixed income invested?

Post by dbr »

njay73 wrote: Tue Jul 21, 2020 11:07 am
dbr wrote: Tue Jul 21, 2020 10:44 am
*My megacorp 401k deleted their SV fund because the corporate investment committee decided the fund costs were too high. They offered an intermediate term bond index instead
Did the value drop? like other thread I posted in my last post?
No, it did not. The management committee made the transition without any issues for anyone. I feel, though, that I worked for a company that had both competent management and good will toward employees. Well, actually in that area of American corporations I know they operated with peer competition that they would have been damaged if the workforce all those companies draw from saw something out of line in the compensation and benefits system.
hudson
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Re: Where is your fixed income invested?

Post by hudson »

90% CDs
10% Intermediate Term Muni VWIUX
friar1610
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Re: Where is your fixed income invested?

Post by friar1610 »

In our T-IRAs (we are in our mid-70s and taking RMDs)
- 50% VG Total Bond
- 50% a combination of CDs and VG short-term treasury

In taxable
- a big bunch of I-Bonds, a large portion from the good old days with 3.4% fixed rate +'inflation
- a medium bunch of "laddered" CDs. (I put laddered in quotes because I often jump on NFCU deals which sorta screws up the ladder)
- a really small bunch of VG Total Bond fund

FI is 50-55% of port
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Taylor Larimore
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Re: Where is your fixed income invested?

Post by Taylor Larimore »

corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
corn18:

My fixed income allocation is in the Vanguard Total Bond Market Index Fund (VBTLX) purchased in 1986. It is in my IRA.

Best wishes
Taylor
Jack Bogle's Words of Wisdom: "Deep down, I remain absolutely confident that the vast majority of American families will be well served by owning their equity holding in an all-U.S. stock market index portfolio and holding their bonds in an all-U.S. bond-market index portfolio."
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rich126
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Re: Where is your fixed income invested?

Post by rich126 »

I'm beginning to look at MYGAs and may put a portion in a 3 yr annuity to get 2.4-3% instead of the under 2% that CDs are providing. I have no interest in going beyond 3 yrs with those.
Wanderingwheelz
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Re: Where is your fixed income invested?

Post by Wanderingwheelz »

60/40

40- 85% Vanguard Total Bond, 15% Vanguard Short Term Bond

The 15% we view as our emergency fund.
dbr
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Re: Where is your fixed income invested?

Post by dbr »

Taylor Larimore wrote: Tue Jul 21, 2020 11:50 am
corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
corn18:

My fixed income allocation is in the Vanguard Total Bond Market Index Fund (VBTLX) purchased in 1986. It is in my IRA.

Best wishes
Taylor
Jack Bogle's Words of Wisdom: "Deep down, I remain absolutely confident that the vast majority of American families will be well served by owning their equity holding in an all-U.S. stock market index portfolio and holding their bonds in an all-U.S. bond-market index portfolio."
I would comment that if somehow someone would come along and force me to do the same it would not bother me a bit. If someone would come along and force me to order vanilla ice cream rather than chocolate or coffee there might be an issue.
rixer
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Re: Where is your fixed income invested?

Post by rixer »

I'm in Lifestrategy so except for a couple of years expenses in CD's, my FI is total bond and total international bond.
GMT-8
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Re: Where is your fixed income invested?

Post by GMT-8 »

I'm retired and will be taking SS next year.
House is paid for, cars paid for, we live near the ocean so staycations are ok
We live mostly on my wife's teacher pension at the moment.

Assets
$1.5M in stocks 60%
VFIAX 500 Index
VTSAX Total Market
VWNAX Windsor II

$1M in bonds 40%

In IRA $750k
VBILX Vanguard Intermediate-Term Bond Index Fund Admiral
VBLAX Vanguard Long-Term Bond Index Fund Admiral

In taxable $250k
VCADX Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares
VCLAX Vanguard California Long-Term Tax-Exempt Fund Admiral Shares

And $100k emergency funds in MM and bank accounts
Last edited by GMT-8 on Tue Jul 21, 2020 12:17 pm, edited 1 time in total.
DSInvestor
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Re: Where is your fixed income invested?

Post by DSInvestor »

I'm 50/50 stock/bond and my bond allocation is in Vanguard Total Bond Market Index.
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Sandtrap
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Re: Where is your fixed income invested?

Post by Sandtrap »

VBTLX Total Bond
Corporate Bonds
CDs
Treasuries
Cash

Keeping it simple.
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dodecahedron
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Re: Where is your fixed income invested?

Post by dodecahedron »

In descending order of holdings:

TIPS (specifically the Schwab Intermediate TIPS mutual fund in my Roth IRA)
TIAA Trad (liquid SRA version with 3% minimum in my 403b)
CDs of various vintages (currently averaging a bit over 2%) at Navy Fed and Ally in taxable
FDIC Ally savings account (1.0% currently) in taxable
jeff1949
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Re: Where is your fixed income invested?

Post by jeff1949 »

Right now we have 50% in I-Bonds purchased in 2000-2002 at 3.0%-3.6% plus inflation and 50% in 3 year CDs paying 3.2% at PSECU.
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AerialWombat
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Re: Where is your fixed income invested?

Post by AerialWombat »

My 70% fixed income is spread across:

-high yield savings
-CD ladder
-bond portion of Wellesley
-Vanguard Intermediate Tax Exempt
-Vanguard High Yield Tax Exempt

New money is now going into paying off mortgages.
Kompass
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Re: Where is your fixed income invested?

Post by Kompass »

67/33 FI is split into rough thirds with:

1/3 Total US & Total Int’l bond funds held in deferred
1/3 Muni funds short, int, and long held in taxable
1/3 Cash held in HY savings = 5 yr expenses
The large print giveth and the fine print taketh away.
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22twain
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Re: Where is your fixed income invested?

Post by 22twain »

Retired, age 66.

47% total fixed income, of which:

28% TIAA Traditional account, currently returning about 4%
16% Vanguard Total Bond Market
3% cash (checking and brokerage money market)
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Dave55
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Re: Where is your fixed income invested?

Post by Dave55 »

Total Bond
Short Term Investment Grade
Ultra Short Term Bond
Short Term Tax Exempt



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windaar
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Re: Where is your fixed income invested?

Post by windaar »

All in TIAA Traditional.
Nobody knows nothing.
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Re: Where is your fixed income invested?

Post by abuss368 »

Total Bond and Intermediate Tax Exempt for many many years.
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Oilcans
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Re: Where is your fixed income invested?

Post by Oilcans »

Investment Grade Bonds Intermediate
High Yield Bonds Intermediate
Emerging Market Bonds Long
International Bonds Intermediate
Global Bonds Short
Municipal:
MITFX
FTABX
MUB
Around 50 Individual Muni's
DetroitRick
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Re: Where is your fixed income invested?

Post by DetroitRick »

Mostly in 4 funds and some individual US Treasuries: Dodge & Cox Income, Baird Core Plus, MetWest Total Return Bond, Schwab Tips ETF, and (laddered) individual US Treasuries. Also minor positions in more-aggressive fixed income - global or world bond funds and high-yield funds.
Last edited by DetroitRick on Thu Jul 23, 2020 3:15 pm, edited 1 time in total.
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Artful Dodger
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Re: Where is your fixed income invested?

Post by Artful Dodger »

I'm 65, spouse 67.

Sitting at 50/50. The fixed is -

Life ins cash value - 24%
Fidelity managed bond account - 54% (I recently set this up. They choose the bonds and charge a .4% expense fee. Will evaluate after a year to see if it's worth it.)
Ishares Core U.S. Bond Aggregate ETF - 5% (This the the benchmark I'm using to compare against the Fidelity account returns. It has a .04% ER)
Artisan High Income Fund - 5%
Fidelity MM - 12%
SimplicityNow
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Re: Where is your fixed income invested?

Post by SimplicityNow »

Our portfolio is 40% fixed income

VBTLX
3 different stable value funds paying from 2.4 to 4.5%
CDs
High Yield Savings Accounts
Chris K Jones
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Re: Where is your fixed income invested?

Post by Chris K Jones »

My allocation is 60 % stocks and 40 % fixed income

70% of fixed income is in Vanguard Intermediate Term Bond index (VBILX) and Fidelity US Bond Index(FXNAX) in IRAs
25% of fixed income is in Vanguard intermediate term tax exempt (VWIUX) and Vanguard Tax Exempt Bond Index Fund (VTEAX)
5% of fixed income is in Ally high yield savings account.

Best wishes
tibbitts
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Re: Where is your fixed income invested?

Post by tibbitts »

I made a significant mistake by not contributing to TIAA for about five years when I had the opportunity to ( the 3% unrestricted option.)

I have a higher percentage of junk bond funds than most Bogleheads. That hasn't worked well lately, but I've had hung on for fifteen or twenty years so I'll probably stick with them.
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FIREchief
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Re: Where is your fixed income invested?

Post by FIREchief »

100% individual TIPS. 8-)

Do you know why TIPS are so expensive? Because they're worth it! :P
I am not a lawyer, accountant or financial advisor. Any advice or suggestions that I may provide shall be considered for entertainment purposes only.
softwaregeek
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Re: Where is your fixed income invested?

Post by softwaregeek »

For high income taxpayers in high tax states muni bonds may be better choices.
dru808
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Re: Where is your fixed income invested?

Post by dru808 »

80%+in GOVT, ishares US treasury bond fund, the rest in VBTLX.
65% US equity | 25% ex US equity | 10% US long bond index
schildkrote
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Re: Where is your fixed income invested?

Post by schildkrote »

Jack FFR1846 wrote: Tue Jul 21, 2020 10:10 am Total bond from Vanguard and Fidelity funds and US Savings Bonds.

My spending cash and some of my immediate emergency fund is at Ally, Redneck and my credit union.
Glad someone else uses Redneck Bank haha :sharebeer
rossington
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Re: Where is your fixed income invested?

Post by rossington »

corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
Seems to me that given all the posts so far that everyone has a different opinion.
It reinforces the theory that investing is a psychology at best.
Everyone has a different situation and thinks independently for themselves.
"Success is going from failure to failure without loss of enthusiasm." Winston Churchill.
hudson
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Re: Where is your fixed income invested?

Post by hudson »

dru808 wrote: Tue Jul 21, 2020 10:27 pm 80%+in GOVT, ishares US treasury bond fund, the rest in VBTLX.
dru808,
I'm sure that you've compared GOVT and Vanguard's version VGIT.
They are relatively close. Why GOVT over VGIT?
renegade06
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Re: Where is your fixed income invested?

Post by renegade06 »

What about those of you who put bonds in taxable? I’m out of room in my tax deferred accounts and want to add bonds in taxable. I’m in the 37% tax bracket and 5.25% state. Based on previous responses, I’m leaning towards VTEB (Vanguard Tax Exempt Bond ETF) or VWITX (Intermediate term Tax Exempt).... trying to determine if these two funds are the same (with one being the ETF and the other a mutual fund)
JimmyD
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Re: Where is your fixed income invested?

Post by JimmyD »

I'm all about keeping it simple.

Ours is approximately 75% Vanguard Total Bond (and Fidelity equivalent) and 25% Vanguard Prime Money Market.
bearcub
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Re: Where is your fixed income invested?

Post by bearcub »

Vanguard TIPS funds. I"m retired. Cashed in the last of my EE Bonds last week.
3funder
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Re: Where is your fixed income invested?

Post by 3funder »

VBTLX
dbr
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Re: Where is your fixed income invested?

Post by dbr »

rossington wrote: Wed Jul 22, 2020 2:12 am
corn18 wrote: Tue Jul 21, 2020 10:08 am I was wondering where everyone keeps their fixed income (e.g. the 40 part of 60/40 or whatever your fixed income allocation is). Up until Apr, all of my 40% was in total bond index funds in my 401k. We went through a merger and picked up a decent stable value fund so I moved everything over to that. Right now it's yielding 2% paid daily, and I am very happy with that. The reason I made the move was to reduce volatility as I head into retirement next March.

So where does everyone have your fixed income allocation?
Seems to me that given all the posts so far that everyone has a different opinion.
It reinforces the theory that investing is a psychology at best.
Everyone has a different situation and thinks independently for themselves.
Exactly. Bond investing is underspecified. That means there are far more choices available than there are criteria to make a choice. The result is a wide variation of selections all to the same purpose. That the process is psychological in a case like that is probably a fair assessment. I certainly couldn't get my bond choices down without applying a measure of what just feels good. Sometimes the choice is also just perceived convenience. I, for example, would just as soon not have a bunch of CDs hanging around, so I don't, but that would not be advice that CDs are bad investments. For me a couple of bond funds with dividend reinvestment sitting around in a 401k are "easy-peasy," and that's all it is.
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Taylor Larimore
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Re: Where is your fixed income invested?

Post by Taylor Larimore »

rossington wrote: Wed Jul 22, 2020 2:12 am Everyone has a different situation and thinks independently for themselves.
Or perhaps a different salesperson. :wink:

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "A profession once focused largely on investing became a business largely focused on marketing."
"Simplicity is the master key to financial success." -- Jack Bogle
hudson
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Re: Where is your fixed income invested?

Post by hudson »

renegade06 wrote: Wed Jul 22, 2020 7:56 am What about those of you who put bonds in taxable? I’m out of room in my tax deferred accounts and want to add bonds in taxable. I’m in the 37% tax bracket and 5.25% state. Based on previous responses, I’m leaning towards VTEB (Vanguard Tax Exempt Bond ETF) or VWITX (Intermediate term Tax Exempt).... trying to determine if these two funds are the same (with one being the ETF and the other a mutual fund)
VTEB is paired with the mutual fund VTEAX....https://investor.vanguard.com/mutual-fu ... file/vteax

VWITX is the investor version that is paired with the admiral version... VWIUX

It's a long story, but if you wanted to tax loss harvest some time, VWITX/VWIUX would work better because they are DAILY ACCRUAL funds. The others are not. viewtopic.php?p=4117185#p4117185

If I were in your shoes, I would strongly consider VWITX/VWIUX...just because of the DAILY ACCRUAL feature...but of course, do your homework!
MathWizard
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Re: Where is your fixed income invested?

Post by MathWizard »

VBILX 8%
VBLAX 17%
TIAA 8%
Money Market 7%

The other 60% is equities.

The TIAA is from when I just started working and was 50/50 split between
TIAA and CREF. I had less than 2 minutes to decide
1. whether to sign up for a pension or DC plan, and
2. when choosing DC, my AA when I was hired.

"Here,choose and sign. You can change AA later."

1. was irrevocable
2. The AA could be changed, but inertia meant that the change did not
occur for several years.
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