My husband and I are only using short-term government bonds and a stable value fund for the bonds/cash portion of our tax-deferred retirement accounts.
I don’t want to get into a discussion of whether that is a good choice, versus adding longer-term and/or corporate bonds. That shipped has sailed.
But I am interested in whether the specific options that we’ve chosen could be improved on.
We are both retired, and living entirely off our pensions plus Social Security. RMDs start in a few years.
We currently own the following percentages, relative to our bond/cash total:
1. 50%: TSP G Fund (this is the federal government plan’s equivalent of a stable value fund; YTD yield=2.21%)
2. 25%: Treasury Bills that mature in March 2025
3. 25%: Vanguard’s Short-Term Treasury Index Fund ETF (VGSH)
Thoughts on the above options and recommendations for improvements are welcome. The Treasury Bills & VGSH are held in a rollover Traditional IRA at Fidelity.
I don’t want to get into a discussion of whether that is a good choice, versus adding longer-term and/or corporate bonds. That shipped has sailed.
But I am interested in whether the specific options that we’ve chosen could be improved on.
We are both retired, and living entirely off our pensions plus Social Security. RMDs start in a few years.
We currently own the following percentages, relative to our bond/cash total:
1. 50%: TSP G Fund (this is the federal government plan’s equivalent of a stable value fund; YTD yield=2.21%)
2. 25%: Treasury Bills that mature in March 2025
3. 25%: Vanguard’s Short-Term Treasury Index Fund ETF (VGSH)
Thoughts on the above options and recommendations for improvements are welcome. The Treasury Bills & VGSH are held in a rollover Traditional IRA at Fidelity.
Statistics: Posted by delamer — Sat Jul 13, 2024 2:23 pm