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

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.

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.

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.

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.

I believe you will be subject to taxes and penalty if you distribute early, is there another option for paying off the $2,000? Doing traditional makes sense. Schwab, Fidelity, and Vanguard are all fine options. Personally, I prefer to have as few brokerage relationships as possible, so I house everything at one (Schwab).

Hey guys, hope you're all well.

Country I live in: UK
Income: $2-$8k a month
Risk tolerance: Very high
Debt: $0
Monthly expenses: $1-1.75k

I have recently got into investing and am doing quite well so far (as are most people in this bull market).

I don't own any property and my only assets are my investments. I keep my poker bankroll separate from my investments and every day bank account. I withdraw from my poker bankroll every month to cover my expenses and aim to keep increasing my bankroll over time. When I have a good month I add more into my investments, which I can do most months.

When I first started off I invested mainly into the S&P 500 and a global index on vanguard. These provided reasonable returns. But I have since become more aggressive and gradually started buying more individual stocks. After learning more I have realized keeping a lot of capital in fiat is kinda stupid, as it devalues a lot over time. After learning more about cryptocurrency and bitcoin I have decided bitcoin is a good long term investment. Because I am from the UK I cannot invest in spot bitcoin ETFs because our country is backwards and still in the feudal age. I am nervous about holding physical bitcoin and it seems stressful have a hardware wallet and then having to hide your seed phase somewhere, stamping it onto metal and hiding it it the walls or something. So I did more research and the common consensus seems to be to gain bitcoin exposure in the UK the best option is to buy microstrategy.

This is what my portfolio currently looks like:

Microstrategy 50% - average share price $378 - currently up 39.4% on my investment
ASTS 25% - average share price $25.09 - currently down 4.8% on my investment
S&P 500 25% - up obviously, recently took some out to put into microstrategy

I feel like asts is a great investment. When they get their stuff up into space and get that full coverage I would like to think the share price could go as high as $200 a share.

What do you guys think? Am I crazy? My plan is to keep going and when adding to my portfolio 50% microstrategy, 25% asts and 25% s&p500. The s&p500 is kinda like a safety net I guess.

I appreciate all insight or opinions.

Thanks.

Yes