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Old 12-18-2020, 03:24 PM   #41
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Originally Posted by Out-to-Lunch View Post
So, ballast it is?

Either ballast--or dead weight now.
It is quite possible that intermediate funds will continue to act as normal in a crash, but I have plenty of doubts, this time (but the most dangerous phrase is "this time is different"--even in negative yields I suppose). I still can't wrap my mind around bonds in a negative/zero yield world.
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Old 12-21-2020, 05:26 PM   #42
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In my taxable account I am using short term munis (SUB) for 'ballast'. If you want to beat inflation (which is a long-term problem), stocks are the only way to go (which are long-term investments).
The way I see it, Ballast will let me continue to eat when a market correction attacks the value of stocks.
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Old 12-21-2020, 06:27 PM   #43
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I consider my fixed allocation to be ballast, although over the last ten years, the bulk of it has returned 4% CAGR.


+1. Beats a sharp stick.
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Old 12-21-2020, 06:39 PM   #44
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I am holding intermediate and short term bond funds in equal proportion. I bet the next move by the Fed is negative interest rates in 2021.
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