Personal Investments • Re: How to buy 3 month treasuries
The value we have been discussing is the Coupon Equivalent Yield and that is NOT the Yield To Maturity (YTM) ... It is ... also referred to as the Investment Rate on the auction results sheet.The...
View ArticlePersonal Investments • Re: Determining the ‘buyer’s yield’ ex-inflation for a...
"Buyer's Yield" is also called "Running Yield"= coupon/ priceIf an investor does not wish to deplete their capital in nominal terms, then it is one way of measuring a portfolio return. Of course...
View ArticlePersonal Investments • Re: Advice sought on a specific UST bond
From 2019 to 2021 a broker (who I wasn't and couldn't supervise) bought (on my behalf) $20,0000 (face value) of cusip 912810FT0 (4.5% US treasury bond; maturation 2036) for an total cost of $25,049....
View ArticlePersonal Investments • Re: There’s still hope!! [2019 federal tax refund]
Hopefully you received some hefty interest as part of the payment!Statistics: Posted by pawtucket — Wed Jun 19, 2024 8:04 am
View ArticlePersonal Investments • Re: How to understand the interest you make from an...
For any asset that has a price on a market that changes constantly a better measure of "what you are making" is the return. Interest does not apply to investments in general. For stocks there is also...
View ArticlePersonal Investments • Re: 18 yo, Seeking Advice
I'd just read through the Wiki and hang out on the forum every once in awhile. I'm impressed that you sought out Bogleheads and posted here. I definitely wasn't thinking about these things when I was...
View ArticlePersonal Investments • Re: Traditional IRA Investment ideas
Any ideas or websites to help me research?https://www.fidelity.com/fixed-income-b ... -portfolioStatistics: Posted by chinchin — Thu Jun 20, 2024 8:37 am
View ArticlePersonal Investments • Re: Rebalancing or Market Timing
I hold individual bonds to maturity so I do not care about price fluctuations due to interest rates. But, a fund will be much easier for my surviving spouse.What do you do when your bond matures, do...
View ArticlePersonal Investments • Re: Help Me Understand my Bond Allocation and Develop...
... but I guess I should turn the question around to this: how do you treat your own bond allocation and what is your reasoning behind that? I treat my bond allocation as a store of wealth that I may...
View ArticlePersonal Investments • Re: Divorcing my SCV fund - A few questions
Some further questions:Since you mentioned owning AVUV for the past year, I charted the share price vs VTI for the past year. Most of the time, AVUV was outperforming, and only in the past month has...
View ArticlePersonal Investments • Re: Tax deferred or Roth for pensioners with...
4) To generate 490K -120K pension = 370K of retirement income, you need 25X 370K = 9.25m (withdrawing at 4% per year) in your tax deferred account.Sorry, I am confused on two points in #4...I reread...
View ArticlePersonal Investments • Re: Question on 529 investing - NJ
Not applicable to OP because he is retired, but when I was commuting from NJ to NY, I used the NY 529 plan and took the tax break on my NY return. The NY plan uses Vanguard funds and is far superior...
View ArticlePersonal Investments • Re: Should we buy out co-owners of rental property?
You will be 300k in to clear 12k a year plus the hassle of dealing with an illiquid rental far from where you live. That isn’t a deal to sign up for. If you really, really want real estate exposure:...
View ArticlePersonal Investments • Re: Traditional vs. Roth IRA contributions
Bracket isn't the right measure, marginal tax rate is.We are in a low tax bracket, but we use traditional employer plan contributions because reducing both our AGI and W2 wages makes us eligible for a...
View ArticlePersonal Investments • Re: experiences ares private debt fund - and private...
A good overview of private debt (with an obvious bias): https://www.guggenheiminvestments.com/p ... ivate-debtAres is a real manager, not some fly by night group.The problem is that as an individual...
View ArticlePersonal Investments • Re: Best place to park $250k for a year
Looking for best place to park $250k for 6-18 months to be drawn down for a remodeling project. New money, not pulling on from existing investments. Nerdwallet has CIT online savings with 5% rates....
View ArticlePersonal Investments • Re: Is Now the Time to Buy Vanguard Total Bond Market...
Don't even try to time the bond market. If you want to add Vanguard Total Bond Market ETF (BND) to your portfolio, then go right ahead now.Statistics: Posted by ruralavalon — Fri Jun 21, 2024 8:50 am
View ArticlePersonal Investments • Re: Morgan Stanley vs. Fidelity wealth mgmt???
I use Vanguard PAS since they can do things better for me with tax efficiency. I get automated tax loss harvesting. When I need to sell shares, they know the shares with the lowest capital gains. When...
View ArticlePersonal Investments • Re: TIPS purchase at Fidelity. Question about purchase...
You have it correct....The adjusted price is the unadjusted price multiplied by the index ratio. The index ratio is the ratio of the Reference CPI on a certain date to what the Reference CPI was on...
View ArticlePersonal Investments • Re: Will NVidia continue to climb?... sold half so I'm...
I'm a US-based index investor, mostly corresponding to the SP500. So whatever % that is, I haven't looked it up today.I am saying that Nvidia in the 2020s is like Intel in the 90s. Is tech overblown?...
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