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  City-Data Forum > General Forums > Economics > Investing Conservative
Investing? (bonds, bankrupt, invested, stocks)

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Page 2 of 17 < 1 2 345678912 > Last »

 
09-12-2019, 03:48 PM
mathjak107
 
98,402 posts, read 97,564,045 times
Reputation: 72435

Advertisements



Quote:
Originally Posted by ohio_peasant
Good link! Is there a way to enter one's own custom-allocations?

Some observations:

1. Non-US stocks look horrible over the past 10 years, with both high volatility
and very poor returns.
2. The Permanent Portfolio has good - but decidedly not outstanding -
return/risk ratio.
3. US stocks, which presumably means large-caps, have crushed everything else;
and so,
4. A US stock portfolio which over-weighs small-cap and mid-cap is lagging.
5. A more comprehensive picture wouldn't stop at 10 years. It would go out to
20, 30, 50,...

Most of those portfolios were either not around or the types of investments were
not around going back so long.

You can do your own stuff on portfolio visualizer or portfolio charts site
...portfolio charts is more accurate since the time frames used on portfolio
visualizer are varied on different assets according to Tyler who created the
portfolio charts data





 
09-12-2019, 05:50 PM
TwoByFour
 
Location: Haiku
7,131 posts, read 4,343,230 times
Reputation: 10324

Quote:
Originally Posted by ChessieMom
My question is....for those of you that keep a “conservative“ side, what do you
use? Bond funds? They seem like they are mostly lousy investments. Do you use a
MM fund? This fund is the Vanguard Federal MM Fund. Is that a fair place to use
to stay diversified? Too conservative?

Yes, I do have a fixed-income component to my portfolio. I try to keep the fixed
income risk-free as possible so it is mostly investment grade securities.

About:
20% US Treasuries less than 5 years in maturity.
25% BND (Vanguard's Total Bond Fund)
25% TIPS
22% Municipal bond fund (VWITX)
5% Short US Treasury fund
3% cash (MM fund - I don't know what exactly it is, but it is FDIC guaranteed)

The Munis and Treasuries are in my taxable Schwab account. TIPS and BND are in a
IRA.


 
09-12-2019, 08:31 PM
ChessieMom
 
35,995 posts, read 42,418,955 times
Reputation: 53177

Quote:
Originally Posted by mathjak107
Here is a nice look at lots of different portfolios the last decade . You can
select for how much risk ...I set it for the lowest risk diversified
portfolios.. you can set it for all kinds of parameters

Lazy Portfolios and ETF composition

Thanks! I'll check that out.


 
09-13-2019, 03:31 AM
mathjak107
 
98,402 posts, read 97,564,045 times
Reputation: 72435

Quote:
Originally Posted by TwoByFour
Yes, I do have a fixed-income component to my portfolio. I try to keep the fixed
income risk-free as possible so it is mostly investment grade securities.

About:
20% US Treasuries less than 5 years in maturity.
25% BND (Vanguard's Total Bond Fund)
25% TIPS
22% Municipal bond fund (VWITX)
5% Short US Treasury fund
3% cash (MM fund - I don't know what exactly it is, but it is FDIC guaranteed)

The Munis and Treasuries are in my taxable Schwab account. TIPS and BND are in a
IRA.

we have a pretty diversified portfolio... being retired we live off the income
side of our portfolio. we typically run 40-50% equities .

we hold of course cash , next level is an ultra short bond fund , then a bond
fund which is an intermediate term , then a high yield bond fund to juice things
a bit and finally long term treasures and some gold . so the bond funds are
basically laddered like cd's would be and we have some long term treasuries
flying fighter cover ..

we pretty much try to keep low yielding interest stuff out of the ira's since it
rarely pays to take up valuable tax deferred growth space on such little yield .


 
09-13-2019, 12:38 PM
Rakin 
 
Location: DFW - Coppell / Las Colinas
40,064 posts, read 45,731,710 times
Reputation: 52311

Quote:
Originally Posted by mathjak107
we have a pretty diversified portfolio... being retired we live off the income
side of our portfolio. .

I've started shifting a lot of my money over to Fidelity and really like their
website and services. Do you use them for your banking also and / or keep a
local bank for your day to day transactions and bill paying ?


 
09-13-2019, 02:18 PM
mathjak107
 
98,402 posts, read 97,564,045 times
Reputation: 72435

Quote:
Originally Posted by Rakin
I've started shifting a lot of my money over to Fidelity and really like their
website and services. Do you use them for your banking also and / or keep a
local bank for your day to day transactions and bill paying ?

i keep a local bank for emergencies , but fidelity gets 90% .. we have a
fidelity cma account so all bills go through fidelity . i have been with
fidelity since 1987


 
09-29-2019, 03:31 AM
sitihanter2
 
1 posts, read 733 times
Reputation: 10

There are several advantages to investing in bond funds, including the
following: Bond funds typically pay higher interest rates than certificates of
deposit, money market funds, and bank accounts.

[url]http://hapiwoman.blogspot.com/2019/09/tops-safe-investment-with-high-return.html[/url]


 
09-29-2019, 04:20 AM
mathjak107
 
98,402 posts, read 97,564,045 times
Reputation: 72435

Quote:
Originally Posted by sitihanter2
There are several advantages to investing in bond funds, including the
following: Bond funds typically pay higher interest rates than certificates of
deposit, money market funds, and bank accounts.

I am Happy Woman: Tops Safe Investment With High Return

bond funds should be part of a diversified portfolio but in no way should they
be your only investment .

bond funds depend on their duration and risk as far as how much they pay ...


 
09-29-2019, 07:16 AM
BeerGeek40
 
Location: Pennsylvania
27,171 posts, read 10,682,219 times
Reputation: 23376

Hint: people will always pay to keep their electricity on.

Some good ones to own: PPL, Dominion Energy (D), Duke Energy (DUK), Southern
Company (SO), AEP Energy, NextEra (NEE), etc.


 
09-29-2019, 08:00 AM
Sasquatches
 
198 posts, read 184,553 times
Reputation: 197

Utilities are close to nose bleed levels, so be careful. Anything with long
duration should be avoided and carries with it extreme risk. Stick to short
term, short duration, floating rates. MINT, SHYG, SHY, FLOT, VRP, VCSH to name a
few ETFs ranging from treasuries to preferreds, to corporate and high yield.


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