Soon to be free
Confused about dryer sheets
I am retiring early next year with about 1.3 million in my investment accounts and 401k combined.
Up to recently, I was 50% total stock funds and 50% in total bond ETF (BND). I got tired of the 1-2% returns from the total bond ETF, so I spent hours and hours researching bond mutual fund options. After MUCH analysis I determined I wanted bond funds that had the following:
A CAGR of about 5% since 2010.
A standard deviation of under 4.00 since 2010. (Similar volatility than AGG but with higher returns.
A maximum drawdown of under 7% since 2010.
Higher SHARPE RATIO than AGG
Higher SORTINO RATIO than AGG
Here is what I came up with: (What do you think?)
25% of my bond money in each of these investments:
BMSAX
PONDX
PTIAX
CPXAX
According to Portfolio Visualizer, my new bond fund portfolio has a CAGR of 7.11% since 2010, with a lower standard deviation, lower maximum drawdown, and higher SHARPE and SORTINO RATIO than AGG.
https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults
Up to recently, I was 50% total stock funds and 50% in total bond ETF (BND). I got tired of the 1-2% returns from the total bond ETF, so I spent hours and hours researching bond mutual fund options. After MUCH analysis I determined I wanted bond funds that had the following:
A CAGR of about 5% since 2010.
A standard deviation of under 4.00 since 2010. (Similar volatility than AGG but with higher returns.
A maximum drawdown of under 7% since 2010.
Higher SHARPE RATIO than AGG
Higher SORTINO RATIO than AGG
Here is what I came up with: (What do you think?)
25% of my bond money in each of these investments:
BMSAX
PONDX
PTIAX
CPXAX
According to Portfolio Visualizer, my new bond fund portfolio has a CAGR of 7.11% since 2010, with a lower standard deviation, lower maximum drawdown, and higher SHARPE and SORTINO RATIO than AGG.
https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults
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