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02-09-2005, 02:00 AM
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#1
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Dryer sheet wannabe
Join Date: Jan 2005
Posts: 10
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where safe 2% plus
Where is a good safe place to get a 2% real return ?
Tips - Cds - bond mutual funds - 
Is there a downside to TIP mutual funds ?
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02-09-2005, 03:10 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Jul 2004
Posts: 1,505
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Re: where safe 2% plus
2%? All we need is a third party arrangement and you can have your 2%.
I'd give anything to be able to margin at a 2% rate.
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02-09-2005, 05:07 AM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2003
Posts: 18,085
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Re: where safe 2% plus
Az, note that he said 2% real, not nominal.
Searcher, I suppose you'll have to dig around. Something floating rate would probably give you a rough approximation of a real return, like maybe a bank loan fund or something similar. Alternatively, look around at various TIPS, I bond and inflation-indexed options. I suspect that a guaranteed 2% real will be tough to come by.
__________________
"All animals are equal, but some animals are more equal than others."
- George Orwell
Ezekiel 23:20
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02-09-2005, 05:11 AM
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#4
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Re: where safe 2% plus
Hey azanon, you can margin at -0- % if you have enough credit
cards 
JG
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02-09-2005, 06:09 AM
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#5
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Dryer sheet wannabe
Join Date: Jan 2005
Posts: 10
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Re: where safe 2% plus
Where are these swr 4% rates comming from, or are those based on averages vs guarenteed ?
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02-09-2005, 06:25 AM
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#6
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2003
Posts: 18,085
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Re: where safe 2% plus
Head on over to www.retireearlyhomepage.com and look at the safe withdrawal rate studies.
__________________
"All animals are equal, but some animals are more equal than others."
- George Orwell
Ezekiel 23:20
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02-09-2005, 11:40 AM
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#7
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Location: Nomadic in the Rockies
Posts: 2,720
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Re: where safe 2% plus
 Quote:
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Where are these swr 4% rates comming from, or are those based on averages vs guarenteed ?
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More specifically, here: http://www.retireearlyhomepage.com/restud1.html
In short, the 4% rule will consume at least some of your principle. The study is done on historical survivability of the portfolio over given timespans with given investment mixes. It's not a Norwegian-widow-living-off-dividends-and-interest scenario.
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02-09-2005, 11:59 AM
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#8
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Dryer sheet wannabe
Join Date: Feb 2005
Posts: 17
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Re: where safe 2% plus
I have a Morgan Stanley CPI/Floating
rate bond which yields 220 bps + CPI.
It's rated as AA3/A+, due 2013.
I suppose you could shop around for
equivalent floating rate instruments.
Anyone knows of any good sites to search
for these floating rate notes?
Joe
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02-09-2005, 12:05 PM
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#9
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Thinks s/he gets paid by the post
Join Date: Mar 2004
Location: Dallas
Posts: 1,211
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Re: where safe 2% plus
Yes, you can find them on Vanguard's Bond Desk
data base. You have to have a brokerage account,
however.
Cheers,
Charlie
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02-09-2005, 12:55 PM
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#10
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Dryer sheet wannabe
Join Date: Jan 2005
Posts: 10
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Re: where safe 2% plus
Sounds like 2% is not the issue, in fact a 4% average is probably closer to reality. It is the 'guarentee' of 2% that is what is harder to get. Do I have it right ?
In other words if I figure that 2% over inflation leaves us in good shape, then we we should be.
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