The "I have XX money to invest, where should I put it?" Thread - Page 191

looking for a little help with the bond market, to this point i've just been equities with VOO

just buy BND and call it a day?

or is the extra risk of EVD or TLT worth it and hope rates are cut in the near future? i have 10+ yr time horizon on this so most +EV is kinda what i'm looking for

i'm not even sure if i'd want bonds over something like a consumer staples/dividend ETF but seems like you do want some debt exposure as you get older

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08-03-2023 , 09:38 PM

#4752

BrianTheMick2

Long way to go and a short time to get there.

Join Date: May 2012 Posts: 19,410

Quote:

Originally Posted by Onlydo2days

Treasuries (BIL, IEF or TLT) typically have the lowest correlation with stocks. This means you can use them to rebalance effectively most of the time. This can bolster returns if you feel some need to own bonds. Having a case of the olds is a fine reason to own bonds.

Obviously it didn't work worth **** last year, but most of the time it does.

I actually like NTSX, NTSI and NTSE to get some long treasury bond exposure along with stock exposure. The only problem is that they are effectively short cash rates and that is a drag on returns right now.

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08-03-2023 , 10:33 PM

#4753

BrianTheMick2

Long way to go and a short time to get there.

Join Date: May 2012 Posts: 19,410

Forgot to add: over 10+ years it probably doesn't matter what you choose assuming you don't fiddle around except for rebalancing. You probably should already know if you are a fiddler. If you are, stop it.

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10-13-2023 , 02:31 PM

#4754

kevstreet

Pooh-Bah

Join Date: Dec 2004 Posts: 4,617

I was offered a buyout of a small pension ($81,791) I have with a previous employer.

I did some research and it appears the best move for me is to take it and roll it over to an IRA?

I’m 55 years old, so I’m old unfortunately, but I’ll still be working for at least 10 more years.

I’m assuming a traditional IRA? Is there a particular investment company I should go with (Charles Schwab, Fidelity, etc.)?

One last thing, I have an annoying credit card balance of $2,000 that I would like to clear. Advisable to take out enough to pay that off and roll over the rest?

Thanks in advance of any help you can advise.

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01-31-2024 , 10:04 PM

#4755

housenuts

1st Quartiled the 500

Join Date: Jul 2004 Posts: 49,719

Quote:

Originally Posted by TheFatBasil

Doing a bit more research I think I'm going to drop the 5% emerging markets.

It also looks like when you have a Canadian and US listed ETF (like VXC vs. VT) its slightly more expensive to hold the Canadian version in an RRSP due to US withholdings on dividends. So I'll probably switch from VXC to VT. Looks like the only complications is that I'll have to do the Norbert's Gambit to convert to USD. But Canadian Couch Potato has step-by-step directions for that so it doesn't look like that big of a deal.

super easy to do.
DLR and DLR.U

done it a few times over the past week. upset i didn't know about it for the past 20 years.

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