Intermediate Bond Fund

Tiger · 09-12-2008, 07:35 PM

I have been thinking about buying one of the funds below for my wife's IRA, any opinions or suggestions?

Dreyfus Bond Market Index - DBIRX
T. Rowe Price U.S. Bond Index - PBDIX
TCW Total Return Bond I - TGLMX
Vanguard Total Bond Market Index - VBMFX

Darryl · 09-12-2008, 07:56 PM

More similarities than differences in this group, intermediate term & high quality. Looks like the DBIRX & VBMFX are the lowest expense rate at .15 & .19 that's how I would decide.

slouch · 09-12-2008, 08:49 PM

BND https://personal.vanguard.com/us/fun...FundIntExt=INT has an 0.11% expense ratio.

chinaco · 09-13-2008, 05:08 AM

I would go with the lowest cost fund or ETF from a reputable fund. I prefer indexes.

Tiger · 09-13-2008, 01:25 PM

Thanks for the replies.

mickeyd · 09-13-2008, 07:36 PM

I prefer the Vanguard Intermediate-Term bond index fund because I hate GNMA bonds and this fund has the same mix as the TBM fund except that it does not have any GNMAs. Half of my FI is in this and the rest is in VG TIPS fund. Nothing fancy.

brewer12345 · 09-13-2008, 08:32 PM

I am just curious: what is so bad about Ginnie Maes?

**CuppaJoe** · 09-13-2008, 10:57 PM

Quote:

Originally Posted by brewer12345

I am just curious: what is so bad about Ginnie Maes?

-
I'm curious, too. Anyone?

chinaco · 09-14-2008, 03:40 AM

GNMA securities are backed by the US Govt.

Ginnie Mae: For Investors

cute fuzzy bunny · 09-14-2008, 09:19 AM

No problem with them here. They're slightly more risky than treasuries (not that you'd notice) and enjoy a higher return. I think you're more than well rewarded for that tiny little bit of risk that agency bonds have over treasuries.

If the US Government has to default on these bonds, what sort of bond you're holding isnt going to matter much.

mickeyd · 09-14-2008, 01:32 PM

Quote:

Originally Posted by brewer12345

I am just curious: what is so bad about Ginnie Maes?

Oh, nothing's wrong with them at all if that's what you want. I just have a personal bias against them that goes back many years ago and since the I-T bond fund excludes them, it was perfect for my needs.

09-12-2008, 07:35 PM	#1
Tiger Recycles dryer sheets Join Date: May 2007 Posts: 392	Intermediate Bond Fund I have been thinking about buying one of the funds below for my wife's IRA, any opinions or suggestions? Dreyfus Bond Market Index - DBIRX T. Rowe Price U.S. Bond Index - PBDIX TCW Total Return Bond I - TGLMX Vanguard Total Bond Market Index - VBMFX

09-12-2008, 07:56 PM	#2
Darryl Recycles dryer sheets Join Date: Mar 2007 Posts: 346	More similarities than differences in this group, intermediate term & high quality. Looks like the DBIRX & VBMFX are the lowest expense rate at .15 & .19 that's how I would decide. __________________ Your focus determines your reality - Qui-Gon

09-12-2008, 08:49 PM	#3
slouch Recycles dryer sheets Join Date: Aug 2008 Posts: 96	Vanguard Total Bond Market ETF (BND) BND https://personal.vanguard.com/us/fun...FundIntExt=INT has an 0.11% expense ratio.

09-13-2008, 05:08 AM	#4
chinaco Thinks s/he gets paid by the post Join Date: Feb 2007 Posts: 2,996	I would go with the lowest cost fund or ETF from a reputable fund. I prefer indexes. __________________ Disclaimer: I make no warranty or guarantee about the accuracy or completeness of this information. I am not a financial planner, my comments only represent my opinion.

09-13-2008, 07:36 PM	#6
mickeyd Thinks s/he gets paid by the post Join Date: Apr 2004 Location: South Texas~29N/98W Posts: 2,396	I prefer the Vanguard Intermediate-Term bond index fund because I hate GNMA bonds and this fund has the same mix as the TBM fund except that it does not have any GNMAs. Half of my FI is in this and the rest is in VG TIPS fund. Nothing fancy. __________________ Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx In dire need of: faster horses, younger woman, older whiskey, more money.

09-13-2008, 01:25 PM	#5
Tiger Recycles dryer sheets Join Date: May 2007 Posts: 392	Thanks for the replies.

09-13-2008, 08:32 PM	#7
brewer12345 Give me a museum and I'll fill it. (Picasso) Give me a forum ... Join Date: Mar 2003 Posts: 9,365	I am just curious: what is so bad about Ginnie Maes? __________________ “When you realize that you are one of the rare few who observe moral principles in their relationships with others, there is a temptation to sink into amorality, not out of conviction or pleasure but simply to avoid further pain, because there is no greater suffering than being an angel in hell, whereas a devil feels at home wherever he goes.” – Martin Page, How I Became Stupid

09-14-2008, 03:40 AM	#9
chinaco Thinks s/he gets paid by the post Join Date: Feb 2007 Posts: 2,996	GNMA securities are backed by the US Govt. Ginnie Mae: For Investors __________________ Disclaimer: I make no warranty or guarantee about the accuracy or completeness of this information. I am not a financial planner, my comments only represent my opinion.

09-14-2008, 09:19 AM	#10
cute fuzzy bunny Give me a museum and I'll fill it. (Picasso) Give me a forum ... Join Date: Dec 2003 Location: Losing my whump Posts: 22,527	No problem with them here. They're slightly more risky than treasuries (not that you'd notice) and enjoy a higher return. I think you're more than well rewarded for that tiny little bit of risk that agency bonds have over treasuries. If the US Government has to default on these bonds, what sort of bond you're holding isnt going to matter much. __________________ Many an optimist has become rich by buying out a pessimist

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