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EZ money on Wall St
Old 11-28-2018, 08:29 PM   #61
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EZ money on Wall St

Thanks for the detailed explanation.

Edit: So you lose the state tax exemption if you hold in tax deferred, right?
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Old 11-29-2018, 08:24 AM   #62
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Originally Posted by jazz4cash View Post
I think it was 3.65 less than one week ago. I noticed yesterday that it dropped a bit back to 3.60
And today it is back up to 3.65. I thought prices were up/yields down after Powell's speech yesterday ( or maybe it was the other way around).
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Old 11-29-2018, 08:29 AM   #63
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And today it is back up to 3.65. I thought prices were up/yields down after Powell's speech yesterday ( or maybe it was the other way around).
Yeah the 10 yr Treasury is down 2 bps today, but looking to make a 5 year CD investment by year end as part of the rebalancing.
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Old 11-30-2018, 12:55 PM   #64
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The comment was mine and my exact words were that I wanted to outpace inflation. Their yields are less than cash.
You did say outpace. I thought that's what TIPS were supposed to do with their base rate plus CPI adjustment.



But it sounds like you're saying if you and I took the same amount of cash, you put it in a box under your bed, and I bought TIPS at the next auction, that after 5 years, your box of cash would buy more than the proceeds of my bond? That's just kind of a weird concept that I'm having trouble with.
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Old 11-30-2018, 01:09 PM   #65
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You did say outpace. I thought that's what TIPS were supposed to do with their base rate plus CPI adjustment. ...
Not "supposed to do," it is what they do.

I think @COCheeseHead did not understand how TIPS work. He has not been back since my explanation in post #55.
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Old 12-05-2018, 11:17 AM   #66
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I've been investing in stocks for around 30 years now and I just love it. I will be the first to say that I, or nobody, can tell you what the future will hold but even today there is no better way to grow your capital than investing in stocks imo. Having said that, I have never seen the balance of power so tilted toward shareholders as of right now. The following seems to be in play:

- Workers and union lack of power to get wage increases
- Low corporate taxes
- Tools and processes to wring out efficiencies going straight to the bottom line
- Low borrowing costs and stock buybacks leading to raking it in and not risking new capital
- An incredible culture of shareholders first over all other stakeholders
- Technology, AI and productivity improvements to allow shareholders even more power over labor
- A very disturbing wealth inequality between the 10% vs 90%

So, no, I don't think 13% is likely long term. I am using 4-6% in my models. With really good investments, a great stretch goal may be 8%. My current 30 year return is around 12%. I feel very fortunate and lucky to have gotten this.
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Old 12-05-2018, 12:17 PM   #67
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12%. That is a nice number. Really appreciate your observations. Were out of balance is my take away. The last 10 years match your 12% number. But if you do 20 years you get half of that. The next 10 years might be light on return. Who knows.
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Old 12-06-2018, 09:22 AM   #68
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Invest in Microsoft (MSFT). It is 1 of 2 AAA rated stocks and does very well vs SP500.



While it sounds great to get the big winners, they are risky. The key is investing and not losing money. 2 AAA rated stocks make two great options!
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