We review our ultra short term bond fund portfolio and discuss how it fits to be a money market fund substitute.We also again discuss how to utilize a brokerage account for banking activities.
We examine S&P 500 index total returns in its 93 plus year history and reveal that there are many bear or flat periods that are longer than 20 years. It’s important to be cautious and understand that the current bull market might end one day and likely enters a long period of bearish or flat market.
We review major asset trends and point out that large growth stocks are again in favor. We also speculate that the current market rise might be the final thrust before a big correction.
We discuss inflation, valuation and risk in the current environment in the context of the latest commentaries by Warren Buffett and Charlie Munger in Berkshire’s annual meeting this weekend.
PIMCO income and investment grade bond funds have outperformed their index funds consistently for the past 10 years and going. Some actively managed mutual funds are still hard to beat by low cost index funds including those Vanguard Dimensional Funds.
Two Children age 48, 44 We financed both their mortgage when they bought their first house 11 years ago. We financed at the IRS AFR of 3%, at that time we had inherited $400,000 that was sitting in a regular savings account earning less then 1/2 percent. We included the 3% earned every year on […]
I don't understand how, if you save 35% today and would lose 60% you can avoid drawing down your portfolio without significant changes to your spending. Currently, 35% goes to savings, 35% goes to taxes, and 30% gets spent. Our savings and tax rates would drop quite a bit if I were to leave my […]
This thread has provided so much information on MYGAs which I am a newbie to. Thank you Stinky and others who have shared their knowledge and experience on this topic. I am considering to purchase a 5 year MYGA from MassMutual currently at 5.2%, which will go up to 5.3% in a few days. Would […]
the_wiki wrote: ↑Fri Apr 19, 2024 3:52 pm It's probably a message from OneDrive or GoogleDrive saying your cloud storage plan is out of space. If you open up File Explorer on the Windows computer, and go to "This PC", it should show your drives. It will say something like 50GB Free of 500GB or […]
Beachey wrote: ↑Fri Apr 19, 2024 7:31 am Iorek wrote: ↑Fri Apr 19, 2024 7:25 am need403bhelp wrote: ↑Mon Apr 15, 2024 2:29 pm Does everyone agree with David Enna's prediction https://tipswatch.com/2024/04/14/i-bond ... ot-at-all/ ? "My conclusion (OK, guess) is that the Treasury will set the I Bond’s new fixed rate at either 1.2% or […]