RetireJapan

6 years 1.035％～年1.514％ after taxes. Seems that institutional investors think its a no-no, but the rate seem good enough for retail investors.

Bonds and I are not friends

OkiBum wrote: ↑Tue Apr 02, 2019 6:39 am Bonds and I are not friends

Haha how do you allocate funds under the "safe" classification so to speak?

crew wrote: ↑Wed Apr 03, 2019 7:58 am

OkiBum wrote: ↑Tue Apr 02, 2019 6:39 am Bonds and I are not friends

Haha how do you allocate funds under the "safe" classification so to speak?

I don't care for bonds, either And I'd never buy an individual offering, only an ETF.

Preferred ETFs are better bait for me, at least they have been in the past. I do have one leveraged pimco CEF, and another similar one, that each yield about 10%/yr. Those two equal about 7% of overall as my "bond" allocation. (I have some other things that I think of as stable enough to be bond-like.)

Instead, I'm sort of cash heavy, which would cover quite a bit of retirement spending. (Shoulda bought more during the fall sale or xmas eve, but that's hindsight.) My gamble is that this allows a larger equity weighting than some "safe" classification.

crew wrote: ↑Wed Apr 03, 2019 7:58 am

OkiBum wrote: ↑Tue Apr 02, 2019 6:39 am Bonds and I are not friends

Haha how do you allocate funds under the "safe" classification so to speak?

I might allocate some into bonds once I'm closer to retirement. For now, it's time to take calculated risks rather than lock up cash for a 2%ish growth over a 10 year period. (I'm 30)

I personally follow the rule of 72, so if something doesn't double in around 10-12 years, it doesn't grab my attention for now. Once again, this will change later on in life but for now most of my funds are index stock funds or individual stocks.

Investing depends on various factors such as goals, age, risk ability etc. so main thing is to figure those out for yourself.