Join Early Retirement Today
Reply
 
Thread Tools Display Modes
Old 12-30-2018, 09:44 AM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 17,010
Quote:
Originally Posted by bingybear View Post
I sold some bond funds as they were starting not to perform

pimix - flat when I sold it- may be improving now
FFrhx, SAMBX, - (plus two other bank loan funds (about 3%) -- sold them as they started rolling over.
individual bonds (varies) 2.5% or so.
I bonds (not a clue... but the ones from 2000 should have done well.

I avoided normal bond funds this year because I expected rising rates.
You are smarter than me.

I finally realized, every time I invest in something "safe" it ends up losing money. Maybe it's simply because if I invest in something risky, I really put effort into the decision making and pick better.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-30-2018, 09:55 AM   #22
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dash man's Avatar
 
Join Date: Mar 2013
Location: Limerick
Posts: 5,638
I’m realizing a Flexible Retirement Annuity we bought over six years ago is going to help us this year. Any money we add now will get us 3% tax deferred and there are no fees. As of November 2019 we can withdraw any amount without penalty. With a bunch of PenFed and Synchrony CDs maturing I’ve the next few months, it’s a good place to put the funds.
Dash man is offline   Reply With Quote
Old 12-30-2018, 10:13 AM   #23
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Posts: 2,509
Quote:
Originally Posted by Sunset View Post
You are smarter than me.

I finally realized, every time I invest in something "safe" it ends up losing money. Maybe it's simply because if I invest in something risky, I really put effort into the decision making and pick better.
Likely not smarter. Likely just different experiences. The other one I sold was THOPX. Good fund is a normal market. Lost 10% or so in 2015 which was related to the oil crashing. Oil price is diving again. This fund has lower quality investment grade bond.. a fair amount was in oil company bonds at that time. I'm guessing same thing now.

The market is not random. It more ebbs and flows. Most of the last month was a pretty clear down trend in stocks. Not random... that is every day jumping or falling arbitrary amounts. Seeing a trend even after the fact would be rare if it was purely random. But I'm not good at predicting the moves.

Now if I buy a fixed interest rate bond and the rates rise, I loose value in my bond. Someone will only pay me enough to get the present going rate of interest. Same thing in a bond fund... but they are trading and have to sell for redemption.

I'm sure someone much smart will point out my failings
bingybear is offline   Reply With Quote
Old 01-01-2019, 07:00 AM   #24
Full time employment: Posting here.
 
Join Date: May 2015
Location: Atlanta suburbs
Posts: 633
As of now that fund shows -0.03%. Not bad at all, knowing where it was most of 2018.
DEC-1982 is offline   Reply With Quote
Old 01-01-2019, 08:06 AM   #25
Thinks s/he gets paid by the post
VanWinkle's Avatar
 
Join Date: Oct 2017
Location: Tellico Village
Posts: 2,607
Every time I tinker, returns go down. I learned not to tinker with a simple investment portfolio. I was down 3.7% last year. I can live with that. I am obviously not as smart as some people that sell funds just in time and make 11% in a down market.

VW
__________________
Retired May 13th(Friday) 2016 at age 61.
VanWinkle is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Pro Forma income tax return for 2018? Scrapr FIRE and Money 12 06-14-2018 12:27 PM
"Vanguard 2018 economic and market outlook" 43210 Active Investing, Market Strategies & Alternative Assets 15 01-06-2018 05:50 PM
How is Year to Date Return Different from 2016 Return? nico08 FIRE and Money 4 11-12-2016 09:44 AM
Kitces: / Managing Sequence Of Return Risk With Bucket Strategies Vs A Total Return macav933 FIRE and Money 21 12-06-2014 09:38 AM
TIPS Or Total Bond Index If Bond Market Crashes? Marcretire FIRE and Money 2 02-05-2009 12:10 PM

» Quick Links

 
All times are GMT -6. The time now is 04:35 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.