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We retired 6 years ago and immediately moved away from the town where we lived for 30 years. Really liked the town we lived in and raised our kids in. But, we wanted to create a “new chapter” in our lives. Not because there was anything wrong with the life we were living, it was fine and we...

Sorry if this is too detailed or technical for this forum. Trying to do my taxes and like many have purchased a bunch of individual issue bonds over the last couple years. How is the discount on a treasury treated for income tax purposes. Example: Bought $100,000 treasury on Jan 1, 2023...

Congrats! We Retired 5 years ago at age 53. Still can’t believe how great it feels. Wether it is sitting on the beach mid week, no longer feeling that Sunday afternoon “have to work tomorrow” thing, even mowing the yard feels better than being on conference calls or chasing work deliverables...

Thanks for all the info. Yes, I do all my investing through Merrill. I will go into the screener and see what I can find. I do have access to fidelity and Schwab as well, so I can see if they make this info more readily available.

Is each bond labeled to designate where it falls in the “Cap Stack” in a consistent and EASY to find way. Or is this something I need to dig out of the prospectus? Thanks

I have found building out my ladder kind of fun and easy over the last 8 months. I now have about 50% of our portfolio in a ladder that extends out about 10 years…. 5 year average duration, yielding a bit over 5.25%. Good quality investment grade corporates. My question is to those that have...

+ 6% YTD - would just love it if we could repeat for 2nd half and end year +12% !!!!!! Modeled our plan around 3% average returns to be conservative. 45% stocks 45% Bonds 10% Cash

What is this “survivor option”. Seems like my very old and ill father in law should load up on a bunch of these that are selling well below par. Thanks for any info on how to find these.

Merrill Edge has a screen on their on line tool that provides the info you are talking about. Only does it for assets held in Merrill Edge brokerage accounts.

When we were working we had a “savings budget”. Simply set a $ amount that we wanted to save for the year and then spent the rest. Now that we are retired, we have a spending budget. A set $ amount that we are comfortable spending for the year. We are disciplined people and usually spend...

Banff - Moraine Lake Maui - sunrise at top of Haleakala Yellowstone Cliffs in Ireland - both Kerry and Mohr

We are entering a "Golden Period" for fixed income investing Huh? I have noticed that not all bonds have he prospectus link. Are you using Google Chrome as your browser? Only thing I can think of as to why the link may not work???

We are entering a "Golden Period" for fixed income investing

When you click on the link, go to search tab and type in your CUSIP. Then it will bring up the details for that bond and for most bonds they will provide a link for he prospectus. I included a couple screen shots to help guide.

https://finra-markets.morningstar.com/BondCenter/Default.jsp Here is the link to the finra bond info site. Once you put your CUSIP in the search it will pull up details on the bond and a link to the prospectus.

We are entering a "Golden Period" for fixed income investing Seems safest to read prospectus or speak to bond desk. The 3 or 4 times I have spoken to bond desk they have indicated that the MWC could be done at anytime throughout the life of the bond. In all of these cases, there...

We are entering a "Golden Period" for fixed income investing Make Whole Calls can be called at any time. On the finra site they use the term “continuously” to describe the call period. I don’t think the date you are seeing means anything when it is a make whole call bond.

These seem to have make whole call provisions. Is that right? Do you view that similar to non callable? Thanks for all the info you have shared on this thread.

We are entering a "Golden Period" for fixed income investing Couple of thoughts. My observation has been that bonds showing a call date close to the maturity date have turned out to be Make Whole Call bonds. I have found going into the finra site and researching bond details revealed...

50% Equity / 50% Bonds. yield = 2.95% WR = 2.4%

Thanks for all the input Freedom - I am just trying to gauge when to extend maturities. If your average duration is 4.8 years, would it be fair to say that about 1/3 of your ladder has maturities at 7 years or longer? Thanks again for all the guidance you have provided!

Everything at Merrill and BAC, good perks depending on balances and just easy in terms of reporting, problem solving and money movement logistics.

Smartless. It is very entertaining, the 3 hosts have great chemistry.

Freedom 56 - why are you focused on 1-5 year maturities? If one believes rates will be much lower in 3-5 years, why not build out a 10 year ladder with high grade corporates and secure these higher rates for a much longer period? Thanks for any thoughts.

I searched, but did not see this covered. I have done some on-line research and read prospectus language for a “Make Whole Call (MWC)” provision on a bond. Can someone help explain it in simple English. To use an example, if I bought a 7% coupon bond for 110.00 maturing in 2031 with a MWC...