disneysteve
Thinks s/he gets paid by the post
- Joined
- Feb 10, 2021
- Messages
- 2,434
Ally is going up to 3.85% tomorrow.
Nice! The current yield on our fixed income investment portfolio right now is 5.09% with an average maturity of 249 days and is 60.2% Treasuries, 32.8% CDs, 5.7% Agency notes, 1.0% money market and 0.3% cash. Corporate bonds are not paying enough of a risk premium for me to bite right now. This does not include money in savings accounts which earns less and is meant for off-budget spending, not investment.Well, my magic spreadsheet of all my fixed holdings tells me my weighted yield is now 5%!
Weighted APY on cash, bank accounts, money market funds, CD's, treasuries, etc. 5.001%
Weighted days to maturity: 357 days.
Breakdown of fixed by asset type: Cash (bank checking/savings) 1.3%. money market 7.1%, Tbills/Tnotes/TIPS 43.8%, CD's 46.4%, corporate bonds 1.7%. Not included are savings bonds and some preferred, which will likely skew the yields higher.
Only recently have I been tracking changes in my weighted yield, the oldest data point I have is December 12, 2022 and the number was 4.279%.
Nice! The current yield on our fixed income investment portfolio right now is 5.09% with an average maturity of 249 days and is 60.2% Treasuries, 32.8% CDs, 5.7% Agency notes, 1.0% money market and 0.3% cash. Corporate bonds are not paying enough of a risk premium for me to bite right now. This does not include money in savings accounts which earns less and is meant for off-budget spending, not investment.
Me... 5.220%, 2.65 years/966 days;
46% CDs, 30% Agencies, 14% Corp, 8% I-Bonds, 2% Preferreds
49% Callable
DM... 4.620%, 1.73 years/630 days;
50% CDs, 30% Agencies, 20% UST
30% Callable
Note that's the APY. The interest rate is now 3.78%. Gotta look at the details.Ally is going up to 3.85% tomorrow.
I'm not sure how anything "conservative" can be yielding over 7%. There must be some risk somewhere to get that yield.My 401k (professionally managed conservative fund) is yielding over 7%. (believe it or not) Fortunately that's where I have my big bucks.
I can only tell you what the documentation says. I know for sure they are getting a nice return on part of my money by making personal loans to employees @8.75%. And they have a lot of employees.I'm glad that one has worked out Car-Guy but my guess is the actual breakdown of securities may be different than you expect. 7%+ is not easily achieved in this market with high quality securities.
I can only tell you what the documentation says. I know for sure they are getting a nice return on part of my money by making personal loans to employees @8.75%. And they have a lot of employees.
^^^^^
. Anyway, I've been in this 401k for over 40 years and never lost a dime.
Anyway, I've been in this 401k for over 40 years and never lost a dime. Some years have been pretty lean but I've always made money.
Oh it's very possible.How is that even possible?
How is that even possible?