Search results

The etf’s have a history that you can check that show they actually have paid out what was expected.

Thanks for the replies. My research has shown that the defined maturity ETFs have delivered on the expected returns. I realize that is not guaranteed to happen in the future, but I feel confident that they will perform close to expectations. Considering I own only 1% stocks, a little risk for...

Thanks. That is helpful. I came up with the same conclusion about it being better to buy individual treasuries and am considering them for corp bonds mostly. I might buy some of the TIP etf just for simplicity knowing I am giving up a small fraction of return. Last question for you if you would...

Pb4uski, what do you think of using these defined maturity bonds? They obviously are not guaranteed like a brokered cd but they have attributes that make them attractive to me at least. Higher yields, easily traded and monthly payments.only downside I see is default risk which is very low.Am I...

That is true. However have you ever seen how much the value of your brokered cd can change over time? Treasuries as well. Mostly what matters is what you get when they mature. You can sell one of these in 5 seconds if you want and as mentioned before they pay monthly. They also have defined...

I am looking at it from a viewpoint of a 5yr cd or treasury is paying about 4.5 and the bond etf that actually matures like a cd in 5 years is paying 5.4. The bond ETFs have excellent history as to performing as advertised and are very low risk. Since I own practically no stocks a very small...

So it seems like none of you are concerned about trying to extend the durations out as far as possible without locking up the money like a 10 year treasury or longer. It would be nice if rates stayed close to what they are now but I am fixated on those pretty recent 1 pct 5 year CD’s and the...

Everything ie easy now with mm funds paying over 5% and short term treasuries the same. It was a very short time ago when mm funds were paying practically nothing. Nobody knows what rates are going to do, but I feel better locking in close to 5 % for longer terms. For me 5% give or take a bit is...

IBDU 2029 or IBDV 2030 or IBDW 2031 maturity years. Our total mix of brokered CD’s, treasuries, I Bonds, corp bonds, a few muni’s and a couple MYGA’s are providing almost 80K the next 12 months. Our SS covers all our basic day to day expenses because we are lucky to have 77,000 in combined SS...

Thanks for the replies. I was thinking more of a way to lock in longer rates. Probably a stupid idea but I have a lot of random 100,200 300 400 etc. payments coming in mostly in my SEP and Roth accounts. I was thinking of investing those in ishares defined maturity etf’s going out 4,5,6 years...

How to manage and reinvest in 100 pct fixed income portfolio. I am 72 and trying to create a system to reinvest our CD and different types of bonds interest. I would like to go out maybe 4 or 5 years if possible at the best rates and was thinking of using ishares defined maturity etfs.

SCHWAB. Great service and an office close by. Huge difference if there is an office to talk to someone face to face.

We have had it for a couple weeks. We live 3/4 of a mile from 5g tower. Our Mbps ranges from 335 to 520 and upload 15 give or take. Our ping is usually 23 to 39 and jitter in the 20’s but varies. So far so good. We also have Ooma with no problems.

Stocks have had a historic run the past 14 years and a lot of very respected researchers doing the math think it highly likely future returns will be well below average which if true makes them much less attractive for the risk involved. A lot of stock euphoria currently.

Very, very true and on top of that the requirements to get a RE license are very minimal, like can be done in about 3 weeks. I have always considered it insane to pay agents 50,60,70 80 100,000 and more for sales in hcol areas.

That is simply not true.

Just saved $50 on our medjet insurance for the next year and $50 last year.

IRA’s do not belong in a trust unless there is some special circumstance.

I would love to split my time between California and Switzerland but the best place for anyone is personal and these constant articles are pretty annoying. I would not live in Costa Rica or Mexico if you paid me but for many it is their perfect place.

Most people don’t have an HSA. It is a great investment opportunity because of the tax advantages but it has little effect on paying your actual medical bills. It is money being spent one way or another. I would say almost everyone who is financially sound has some kind of health insurance. We...

I did all our retirement planning with a pen and paper, basic math and a calculator at times. People make it much more complex than it is. It is mostly common sense for most people. If one has a very complicated life your retirement will also be more complicated.

So the switch is to no psa tests. So a person at age 40 does not get tested and if he did say his psa was 3. He goes 10 years and now finally gets it tested and it is 20. That is good medicine? Because it is elevated does not mean after one test you have to have a biopsy but you now know you...

Costco without any doubt whatsoever is superior when you look at everything overall.

It seems like most of the bonds I want to buy are all callable. I think I am too focused on companies I know like Bank of America,Wells Fargo,etc.

I have been thinking about buying quality corp bonds or agency bonds in my Roth with 6 to 7 pct yields and call dates maybe close to a year out. Is this something that you have been doing for a long time? I just bought a 5 year non callable monthly paying cd at 5.05 but am thinking your strategy...