i would keep Apple so you don't pay taxes on the massive gains.
I would sell EVERYTHING else.
I would buy 80% SPLG (S&P 500 Index fund)
I would by 15% IUSB (Total Bond)
i would leave 5% in cash.
Search found 1057 matches
- Tue Mar 19, 2024 8:50 pm
- Forum: Personal Investments
- Topic: Finally ready to improve, consolidate and own my plan to retirement!
- Replies: 50
- Views: 4752
- Mon Mar 04, 2024 8:20 pm
- Forum: Personal Investments
- Topic: To buy BND or not now ??
- Replies: 63
- Views: 8756
Re: To buy BND or not now ??
I think BSV is a better fund for safety. Short is safer. If you want yield, use HYG - but you give up safety. Mix the 2 50/50 - looks pretty good to me.
- Sun Mar 03, 2024 8:41 pm
- Forum: Personal Investments
- Topic: Would you help me best invest/allocate $350k
- Replies: 6
- Views: 925
Re: Would you help me best invest/allocate $350k
I'd put it in VOO,IVV or SPLG. S&P500 ETF. ETFS are more tax efficient. SPLG is the cheaper SP500 ETF, even cheaper than VOO and IVV!
- Thu Feb 15, 2024 11:05 pm
- Forum: Personal Investments
- Topic: Fixed income for specific purpose advice sought
- Replies: 9
- Views: 1011
Re: Fixed income for specific purpose advice sought
15% VOO - S&P 500 ETF
85% SCHO = short term treasury ETF
will produce 5-6% annually forever.
use Portfoliovisualizer website to verify
85% SCHO = short term treasury ETF
will produce 5-6% annually forever.
use Portfoliovisualizer website to verify
- Thu Feb 15, 2024 11:05 pm
- Forum: Personal Investments
- Topic: Fixed income for specific purpose advice sought
- Replies: 9
- Views: 1011
Re: Fixed income for specific purpose advice sought
15% VOO - S&P 500 ETF
85% SCHO = short term treasury ETF
will produce 5-6% annually forever.
use Portfoliovisualizer website to verify
85% SCHO = short term treasury ETF
will produce 5-6% annually forever.
use Portfoliovisualizer website to verify
- Thu Feb 08, 2024 11:22 am
- Forum: Personal Investments
- Topic: Inherited IRA
- Replies: 11
- Views: 968
Re: Inherited IRA
Ok, i guess i need to clarify / pick some assumptions. The funds will be in 80/20 portfolio: 80% SPY 20% SCHO The 4 year plan would mean taking out ~175K each year for 4 years. The 10 year plan would be ~90K a year for 10 years. I'm assuming 8% for the 80/20. And i'm assuming both the $175K and the 90K would be taxed at 24%. Sorry for your loss. What is your baseline income/MAGI without the IRA distributions? When the TCJA tax brackets go away in 2026, the 24% bracket will split into 28% at the lower end & 33% above taxable income of about $275k. Depending on your baseline income, adding $175k could easily boost you into the 33% tax rate for some of the IRA withdrawal. Even if you remain in the 28% rate, a 4 point rise in tax rates fro...
- Wed Feb 07, 2024 10:24 pm
- Forum: Personal Investments
- Topic: Inherited IRA
- Replies: 11
- Views: 968
Re: Inherited IRA
Ok, i guess i need to clarify / pick some assumptions.
The funds will be in 80/20 portfolio:
80% SPY
20% SCHO
The 4 year plan would mean taking out ~175K each year for 4 years.
The 10 year plan would be ~90K a year for 10 years.
I'm assuming 8% for the 80/20. And i'm assuming both the $175K and the 90K would be taxed at 24%.
The funds will be in 80/20 portfolio:
80% SPY
20% SCHO
The 4 year plan would mean taking out ~175K each year for 4 years.
The 10 year plan would be ~90K a year for 10 years.
I'm assuming 8% for the 80/20. And i'm assuming both the $175K and the 90K would be taxed at 24%.
- Wed Feb 07, 2024 9:58 pm
- Forum: Personal Investments
- Topic: Inherited IRA
- Replies: 11
- Views: 968
Re: Inherited IRA
Yes - parent was 81 and has been taking RMDs for a while. 10 year liquation still applies right? I do plan to retire in 3 years but i dont expect my taxes will change much.
- Wed Feb 07, 2024 9:29 pm
- Forum: Personal Investments
- Topic: Inherited IRA
- Replies: 11
- Views: 968
Inherited IRA
About to inherit a traditional IRA from parent. I know there is a 10 year rule to liquidate. Question is:
Is there an advantage to liquidating faster? or slower? I modeled on a spreadsheet and it looks like a wash no matter what speed. Anything i'm missing?
No matter what speed - all withdrawals will be taxed at 24%.
So i could liquidate in 4 years and max out 24% bracket.
Or i could stretch it to 9-10 years and tax rate will still be 24% (or higher if tax plan changes in 2025).
Thoughts?
Is there an advantage to liquidating faster? or slower? I modeled on a spreadsheet and it looks like a wash no matter what speed. Anything i'm missing?
No matter what speed - all withdrawals will be taxed at 24%.
So i could liquidate in 4 years and max out 24% bracket.
Or i could stretch it to 9-10 years and tax rate will still be 24% (or higher if tax plan changes in 2025).
Thoughts?
- Sat Oct 21, 2023 4:24 pm
- Forum: Personal Investments
- Topic: Good Fidelity Fund(s) to start an Investment account for child in College
- Replies: 28
- Views: 3232
Re: Good Fidelity Fund(s) to start an Investment account for child in College
I got my daughter started in her Fidelity account. She routinely buys shares of VOO and leaves the rest in SPAXX. I tell her to keep at least 75% in VTI.
- Fri Oct 20, 2023 10:14 pm
- Forum: Personal Investments
- Topic: Portfolio rev.help needed-ytd return lousy after lousy '22
- Replies: 22
- Views: 2908
Re: Portfolio rev.help needed-ytd return lousy after lousy '22
A person needs 2 investments:
1. S&P 500 Index fund
2. Cash
1. S&P 500 Index fund
2. Cash
- Sun Oct 15, 2023 7:23 pm
- Forum: Personal Investments
- Topic: Simplifying Portfolio
- Replies: 19
- Views: 2512
Re: Simplifying Portfolio
The only fund needed at your age is:
Previous 401k: Fidelity 500 Index
New 401K: Fidelity Total Market Index
All the rest is noise.
Previous 401k: Fidelity 500 Index
New 401K: Fidelity Total Market Index
All the rest is noise.
- Sat Oct 14, 2023 7:51 pm
- Forum: Personal Investments
- Topic: Money Market Fund vs Short Term Treasury ETF
- Replies: 18
- Views: 3122
Re: Money Market Fund vs Short Term Treasury ETF
i'd buy Treasuries. 1, 3, 5, 10 year are all very attractive, great coupon, non callable, 100% guaranteed.
- Fri Sep 29, 2023 10:42 pm
- Forum: Personal Investments
- Topic: Help Me Rid Myself of a Dog (VNQI)
- Replies: 21
- Views: 3185
Re: Help Me Rid Myself of a Dog (VNQI)
International-anything is junk. Dump it.
- Sat Sep 02, 2023 4:13 pm
- Forum: Personal Investments
- Topic: What fund to invest $270k in?
- Replies: 22
- Views: 3368
Re: What fund to invest $270k in?
90% VOO
10% Money Market
10% Money Market
- Fri Aug 11, 2023 8:09 pm
- Forum: Personal Investments
- Topic: My elderly parents porfolio - now I have to manage it, help
- Replies: 58
- Views: 8078
Re: My elderly parents porfolio - now I have to manage it, help
What about something simple like:
30% IVV - S&P500
25% MUB - Muni Bonds
25% SHY - Short Bonds
20% SPAXX - Money Market
Or just dump it all into the Fidelity Freedom® Index Income Fund Investor Class FIKFX. Its like a 20/80 fund.
30% IVV - S&P500
25% MUB - Muni Bonds
25% SHY - Short Bonds
20% SPAXX - Money Market
Or just dump it all into the Fidelity Freedom® Index Income Fund Investor Class FIKFX. Its like a 20/80 fund.
- Sat Jun 17, 2023 8:06 am
- Forum: Personal Investments
- Topic: What are you using for Bond portion of portfolio?
- Replies: 104
- Views: 11789
Re: What are you using for Bond portion of portfolio?
Correct. The t-bills are 99% marginable so i make 5.3% from the bills and i use 99% of the same cash to write cash secured puts for additional income.isaachemingway wrote: ↑Sat Jun 10, 2023 2:57 pmDo you mean cash secured puts? Do the t-bills count as the cash?
Sounds like a cool idea.
- Fri Jun 09, 2023 8:12 pm
- Forum: Personal Investments
- Topic: What are you using for Bond portion of portfolio?
- Replies: 104
- Views: 11789
Re: What are you using for Bond portion of portfolio?
Individual 3-6 month t-bills - and then i sell put options on stocks/etfs using the t-bills as leverage.
- Thu May 18, 2023 8:30 pm
- Forum: Personal Investments
- Topic: Sell SCHD in my taxable account?
- Replies: 11
- Views: 3067
Re: Sell SCHD in my taxable account?
You should be buying more instead of selling right now. In my opinion. I am.
- Sat Apr 29, 2023 7:48 am
- Forum: Personal Investments
- Topic: Mortgage -vs- Buy Out
- Replies: 9
- Views: 1258
Re: Mortgage -vs- Buy Out
20% down and mortgage.
Then when rates go down in the future, just re-finance to lower rate.
Then when rates go down in the future, just re-finance to lower rate.
- Tue Mar 21, 2023 8:26 pm
- Forum: Personal Investments
- Topic: Where should a senior safely park $300k for heirs
- Replies: 25
- Views: 3124
Re: Where should a senior safely park $300k for heirs
Maybe 90% treasuries
And see if he is ok with 10% in SCHD dividend ETF - stable dividend paying companies.
And see if he is ok with 10% in SCHD dividend ETF - stable dividend paying companies.
- Thu Feb 23, 2023 10:12 pm
- Forum: Personal Investments
- Topic: $2.5 million windfall at age 22... seeking advice
- Replies: 140
- Views: 23236
Re: $2.5 million windfall at age 22... seeking advice
1.5M in VTI
.5M in SCHD
.5M in Tbills/Cash
.5M in SCHD
.5M in Tbills/Cash
- Wed Jan 25, 2023 5:22 pm
- Forum: Personal Investments
- Topic: Accessing money in early FIRE
- Replies: 6
- Views: 998
Re: Accessing money in early FIRE
Rule of 55, make sure your plan allows it.
Put less in 403B - enough to get match, and start putting more in taxable.
Thats what im doing
Put less in 403B - enough to get match, and start putting more in taxable.
Thats what im doing
- Sun Jan 22, 2023 5:13 pm
- Forum: Personal Investments
- Topic: Most of my money is in a taxable account. Is this bad?
- Replies: 35
- Views: 7021
Re: Most of my money is in a taxable account. Is this bad?
Nutting wrong with having large Brokerage portfolio- here comes, opportunity for TLH (tax-loss harvesting), and possible step-up basis. Ideally keep AGI below 80k’ish to pay ZERO LTCG/Qual-dividends .. or, gift 16k/32k per year to needy kith/kin - so they may be eligible for tax-free gains - may be helps toward their college; or, donate to charity/DAF and itemize as tax deductions; one also could also consider early/partial FIRE .. You are far better off like that. I'm 80% traditional 401K and i regret doing that every day.... I'm pumping money into taxable like a madman trying to fox it but its pretty much unfixable at this point. I'm gonna have to do Roth conversions, otherwise RMDs are going to be horrendous when i get old. We truly wis...
- Sun Jan 22, 2023 5:00 pm
- Forum: Personal Investments
- Topic: Undervalued Wide Moat ETF
- Replies: 20
- Views: 2480
Re: Undervalued Wide Moat ETF
Just buy shares of the 49 stocks. Expense ratio = 0%. Its only 49, or just buy your favorites.
- Sat Jan 21, 2023 7:26 pm
- Forum: Personal Investments
- Topic: Most of my money is in a taxable account. Is this bad?
- Replies: 35
- Views: 7021
Re: Most of my money is in a taxable account. Is this bad?
You are far better off like that. I'm 80% traditional 401K and i regret doing that every day.... I'm pumping money into taxable like a madman trying to fox it but its pretty much unfixable at this point. I'm gonna have to do Roth conversions, otherwise RMDs are going to be horrendous when i get old.
- Fri Dec 23, 2022 5:26 pm
- Forum: Personal Investments
- Topic: Need easy online HYSA where new home funds can be wired quickly
- Replies: 27
- Views: 2635
Re: Need easy online HYSA where new home funds can be wired quickly
I recommended just Brokerage thus the SIPC. The cash sweep is SPAAX and it pays much higher than the FCASH FDIC sweep on the CMA. Here is the link that shows current rates: https://accountopening.fidelity.com/ftgw/aong/aongapp/interestRates?type=fcma But you could open CMA too. It connects to the Brokerage account and gives best of both worlds. Its free to open and try it out. Just open CMA+Brokerage accounts. Debit cards, checks, bill pay, credit cards that pay 2% rewards - its the best all in one place solution. I appreciate this additional info. I was surprised how much lower the Fidelity CMA FDIC interest rates are. I don't understand why someone would put their non-retirement cash money in that instead of going directly to a bank of t...
- Thu Dec 22, 2022 5:04 pm
- Forum: Personal Investments
- Topic: Need easy online HYSA where new home funds can be wired quickly
- Replies: 27
- Views: 2635
Re: Need easy online HYSA where new home funds can be wired quickly
I recommended just Brokerage thus the SIPC. The cash sweep is SPAAX and it pays much higher than the FCASH FDIC sweep on the CMA. Here is the link that shows current rates: https://accountopening.fidelity.com/ftg ... ?type=fcma
But you could open CMA too. It connects to the Brokerage account and gives best of both worlds. Its free to open and try it out. Just open CMA+Brokerage accounts. Debit cards, checks, bill pay, credit cards that pay 2% rewards - its the best all in one place solution.
But you could open CMA too. It connects to the Brokerage account and gives best of both worlds. Its free to open and try it out. Just open CMA+Brokerage accounts. Debit cards, checks, bill pay, credit cards that pay 2% rewards - its the best all in one place solution.
- Mon Dec 19, 2022 7:23 pm
- Forum: Personal Investments
- Topic: Need easy online HYSA where new home funds can be wired quickly
- Replies: 27
- Views: 2635
Re: Need easy online HYSA where new home funds can be wired quickly
A Fidelity Brokerage account:
The cash will sit in the Gov Money Market fund which currently is paying 3.68%.
And you can buy Treasuries or CDs which pay more.
And you can invest in whatever else you want as well but you don't have to.
FDIC is not needed - Brokerage's have SIPC insurance (SIPC insures $250,000 in cash, SIPC insures $500,000 in securities)
The cash will sit in the Gov Money Market fund which currently is paying 3.68%.
And you can buy Treasuries or CDs which pay more.
And you can invest in whatever else you want as well but you don't have to.
FDIC is not needed - Brokerage's have SIPC insurance (SIPC insures $250,000 in cash, SIPC insures $500,000 in securities)
- Sun Dec 18, 2022 4:41 pm
- Forum: Personal Investments
- Topic: Choosing a Bond Fund
- Replies: 21
- Views: 2736
Re: Choosing a Bond Fund
I see zero goodness from bond funds. They are terrible investments.
I would hold cash, or individual treasuries, or individual bonds for fixed (non stock) holdings.
I would hold cash, or individual treasuries, or individual bonds for fixed (non stock) holdings.
- Fri Dec 02, 2022 5:41 pm
- Forum: Personal Investments
- Topic: Help with Portfolio (Husband Passed Away)
- Replies: 31
- Views: 3201
Re: Help with Portfolio (Husband Passed Away)
Please don't go with the Insurance guy.
The simple approach would be to sell all investments: keep some cash in money market in Brokerage, and place everything else in Target Date Fund in each account. Pick a target date fund date that has like a 60/40 split.
The simple approach would be to sell all investments: keep some cash in money market in Brokerage, and place everything else in Target Date Fund in each account. Pick a target date fund date that has like a 60/40 split.
- Thu Nov 24, 2022 10:04 pm
- Forum: Personal Investments
- Topic: SCHD [Schwab US Dividend Equity ETF]
- Replies: 138
- Views: 19232
Re: SCHD [Schwab US Dividend Equity ETF]
Great ETF.
And the people above who rattle on about taxes on dividends have zero clue what they are talking about. They just repeat what someone else said.
Capital gains tax rates are extremely favorable over Ordinary income.
And the people above who rattle on about taxes on dividends have zero clue what they are talking about. They just repeat what someone else said.
Capital gains tax rates are extremely favorable over Ordinary income.
- Sat Oct 15, 2022 5:37 pm
- Forum: Personal Investments
- Topic: Can an advisor improve on "All VTI"?
- Replies: 42
- Views: 5178
Re: Can an advisor improve on "All VTI"?
I wouldn't change a thing. Maybe keep some cash / treasuries.
- Tue Oct 11, 2022 7:49 pm
- Forum: Personal Investments
- Topic: Ways To Stay The Course?
- Replies: 69
- Views: 8767
Re: Ways To Stay The Course?
Easy. Log into your account with the wrong password a few times in a row until you are locked out of the account. Done.
- Sat Oct 08, 2022 8:25 pm
- Forum: Personal Investments
- Topic: When to add VBTLX to VTSAX & VTIAX ?
- Replies: 9
- Views: 1357
Re: When to add VBTLX to VTSAX & VTIAX ?
i would say - never.
- Sun Oct 02, 2022 4:25 pm
- Forum: Personal Investments
- Topic: New DIY Investor
- Replies: 22
- Views: 2298
Re: New DIY Investor
I would open taxable and Roth IRA at Schwab or Fidelity and transfer out of those horrible funds.
Taxable
S&P 500 Index Fund (SWPPX) or Fidelity FXAIX if you go with them
Some cash and/or Treasury Bills
401K
Vanguard Institutional Index Trust (S&P 500 Index Fund)
Vanguard Short-Term Bond Index Fund (VBITX)
Roth
S&P 500 Index Fund (SWPPX) or Fidelity FXAIX if you go with them
Taxable
S&P 500 Index Fund (SWPPX) or Fidelity FXAIX if you go with them
Some cash and/or Treasury Bills
401K
Vanguard Institutional Index Trust (S&P 500 Index Fund)
Vanguard Short-Term Bond Index Fund (VBITX)
Roth
S&P 500 Index Fund (SWPPX) or Fidelity FXAIX if you go with them
- Sat Oct 01, 2022 2:43 pm
- Forum: Personal Investments
- Topic: unable to trade in last hour today [Vanguard]
- Replies: 36
- Views: 3163
Re: unable to trade in last hour today [Vanguard]
I moved my account to Fidelity 2 weeks ago. Had enough of Vanguard. Absolutely terrible. You can’t even sell an ETF or stock from their mobile app. Their website is horrid. Their new app is completely useless. You can’t sell complex options at all. They dont do fractional shares. Their customer service is terrible. The whole company is junk. Good riddance, gone. Funny thing is, my account still shows $97 in it 3 days after that $97 was transferred. Slow and ancient.
- Sun Sep 11, 2022 7:55 pm
- Forum: Personal Investments
- Topic: Where to invest excess emergency funds (Fidelity)
- Replies: 12
- Views: 3193
Re: Where to invest excess emergency funds (Fidelity)
Fidelity has some good short term treasury and bond funds.
You could also use ultra short term bond ETFs such as VUSB, JPST, ICSH.
You could also use ultra short term bond ETFs such as VUSB, JPST, ICSH.
- Sun Sep 11, 2022 8:43 am
- Forum: Investing - Theory, News & General
- Topic: What’s wrong with this etf yielding 11% (JEPI)? [JPMorgan Equity Premium Income]
- Replies: 152
- Views: 34682
Re: What’s wrong with this etf yielding 11% (JEPI)?
Made me laugh....Charles Joseph wrote: ↑Sun Sep 11, 2022 8:25 amAbsolutely. Just call one of his endorsed Ramsey SmartVestor Investing Professionals and they will get you all squared away.whodidntante wrote: ↑Sat Sep 10, 2022 4:57 pm I mean, it kind of feels like you are leaving money on the table if you accept a meager 11%. Dave Ramsey tells us we can earn 12% in "good growth stock mutual funds" which are easy to identify in advance.
- Sat Sep 10, 2022 9:52 pm
- Forum: Investing - Theory, News & General
- Topic: What’s wrong with this etf yielding 11% (JEPI)? [JPMorgan Equity Premium Income]
- Replies: 152
- Views: 34682
Re: What’s wrong with this etf yielding 11% (JEPI)?
The money comes from the covered call option premium. Seems like maybe you don't understand what JEPI is.Brianmcg321 wrote: ↑Sat Sep 10, 2022 9:24 pm It would be no different that if you sold the shares. Where do you think the money comes from?
- Sat Sep 10, 2022 9:18 pm
- Forum: Investing - Theory, News & General
- Topic: What’s wrong with this etf yielding 11% (JEPI)? [JPMorgan Equity Premium Income]
- Replies: 152
- Views: 34682
Re: What’s wrong with this etf yielding 11% (JEPI)?
JEPI is fantastic for a person needing income. I'm thinking about a 10-15% position in it for when i retire.
- Wed Sep 07, 2022 3:37 pm
- Forum: Personal Investments
- Topic: Inherited brokerage account
- Replies: 11
- Views: 866
Re: Inherited brokerage account
This is why people just need to do TOD/Beneficiary for all accounts.
- Wed Apr 13, 2022 9:46 pm
- Forum: Personal Investments
- Topic: Burned by Paul Merriman Advice
- Replies: 242
- Views: 30690
Re: Burned by Paul Merriman Advice
I got burned as well. I've been holding 100% S&P 500 for 20 years.
Turns out if i would have went 100% Tesla i would have been retired years ago.
Turns out if i would have went 100% Tesla i would have been retired years ago.
- Fri Apr 08, 2022 3:09 pm
- Forum: Personal Investments
- Topic: Windall Coming... AA recomendations?
- Replies: 20
- Views: 2634
Re: Windall Coming... AA recomendations?
5-10% Cash
90-95% VOO
And i wouldn't use Vanguard, i would use Fidelity or Schwab.
90-95% VOO
And i wouldn't use Vanguard, i would use Fidelity or Schwab.
- Fri Apr 08, 2022 3:06 pm
- Forum: Personal Investments
- Topic: HSA Allowing Investments - What Do I Choose
- Replies: 15
- Views: 1233
Re: HSA Allowing Investments - What Do I Choose
100% (VFIAX)
And read the rules on qualified expenses
And read the rules on qualified expenses
- Thu Mar 24, 2022 7:17 pm
- Forum: Personal Investments
- Topic: Do I bother with Bond Funds?
- Replies: 40
- Views: 4776
Re: Do I bother with Bond Funds?
It's been suggested that this chart be shown in "why bonds?" threads. The only point of this chart is that there have been times when bonds have been well worth bothering with. After seventeen years stocks finally, as expected, outperformed bonds, but bonds helped keep you warm while you were waiting. Source https://imgur.com/3CxxpKp.png I can cherry pick dates too.. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2011&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviatio...
- Sat Mar 19, 2022 9:05 pm
- Forum: Personal Investments
- Topic: A better option than my target date fund
- Replies: 15
- Views: 2287
Re: A better option than my target date fund
I'm not a bond expert - in fact i despise them and own none and never plan to own any.Smith wrote: ↑Sat Mar 19, 2022 6:17 pm I appreciate the thoughts here. Nix4me, this is exactly what my CPA said about intermediate term bonds when we know rates are going up. Do you like any particular short or ultra short Bond funds? I’m in a IRA with this Target date fund, but may want to split it up. We looked at my Target Fund for the last 12 months and the bond portion appears to lose a lot of value. I’m not leaving Vanguard just wondering about the bond portion.
Vanguard has many short term bond funds - BSV comes to mind. VUSB is ultra-short bond fund.
Just be aware - even these short term funds have lost money in the past year or 2.
Why not cash?
- Sat Mar 19, 2022 8:16 am
- Forum: Personal Investments
- Topic: VOO/VTI Substantially Identical?
- Replies: 40
- Views: 5452
Re: VOO/VTI Substantially Identical?
not even close to identical.
- Sat Mar 19, 2022 8:11 am
- Forum: Personal Investments
- Topic: A better option than my target date fund
- Replies: 15
- Views: 2287
Re: A better option than my target date fund
He is right actually. Target date funds contain total bond funds which equate to intermediate duration. These bond funds are taking a a beating and will continue to be beaten while the interest rates go up. With bonds right now, shorter duration is better. Short term or ultrashort term will lose less than intermediate/total.
- Fri Feb 25, 2022 3:38 pm
- Forum: Personal Investments
- Topic: Alternatives to VASIX with fewer/no dividends?
- Replies: 5
- Views: 945
Re: Alternatives to VASIX with fewer/no dividends?
Cash and VOO