PRPFX really isn't really PP -- if it's currently getting 0.58%, that's a LOT lower than current PP, which is closer to 3% If using Vanguard Mutual Funds as a simple implementation: Cash (Treasury MM - VUSXX): 5.28% LTT (VLGSX) : 4.52% SP 500 (VFIAX): 1.26% Gold (IAU): 0% Add and divide by four: 2.7...

Definitely Cash And, quite happy with them -- didn't lose value; returns spiked during high inflation, don't pay taxes until redeem, no state taxes -- good stuff! I don't have that much in I-Bonds, so, selling low fixed rate bonds and buying at the current 1.3% fixed rate (yeah, the current composit...

Something I found interesting (why not to expect rate cuts for next 2-5 years)



Although I know can't really predict

But, I still thought it was an interesting take

yankees60 wrote: ↑Thu May 09, 2024 12:08 pm

mathjak107 wrote: ↑Thu May 09, 2024 11:37 am

Yes!

You and I are IN TUNE together!

Um, that's why were are here, right?

A few days ago I did receive my $5,000 in iBonds purchased from my tax return e-filed on April 14, 2024. This time it was only one $5,000 bond. In the past there have been several to many bonds in different denominations to compose the $5,000. It was dated April 29, 2024. That means I got it under ...

It has been said that if Israel takes out Iran’s drone facility in its anticipated response, this will degrade Russia’s ability to use drones against Kyiv. Wouldn’t mind seeing that. Well, looks like only removing the drones / missles that Iran shot at Israel Still, that's at least some that can't ...

And the final I-Bond 1 May 2024 tally:

* 1.3% Fixed rate (unchanged)

* 4.28% composite rate

And the final 1 May 2024 tally: * 1.3% Fixed rate * 4.28% composite rate So, it worked out to buy in April I'll likely sell more of my 0% fixed rate I-Bond (2.98%) and put into T-Bills / Treasury Money Market for now (~5.3%) Then put back into I-Bonds a bit later -- some likely around November / som...

I just sold some 0% fixed rate I-Bonds and bought new ones at 1.3% (Fixed rate at 1.3% through the end of April) Per one YouTube video I say, the fixed rate likely to be slightly lower May 1 And, figued 1.3% is better than my 0%, even with the 3 month interest penalty for selling before 5 years are up

I did sell some 0% / low fixed rate I-Bonds and bought some new with the funds

Highest fixed rate since I've been paying attention to I-Bonds

Yeah, I need to look into this -- I'm pretty sure I need to put some funds into LTT (although I have a low target allocation to LTT vs PP)

Overall, if I hadn't applied PP aspects to my retirement portfolio starting in 2012 (never been full PP), if I'd stayed the course, I'd have had higher returns. If I'd gone the other way and 100% into S&P 500, I'd have done even better Of course, I wouldn't have slept as well, might not have sta...

What's the way to think about using I-Bonds if the yield dips significantly below T-Bills? Well, I don't have that much in I-Bonds (have more in T-Bills / Money Markets) So, I'll likely not add; rollover older than May 2023 I-Bonds to higher fixed rate ones as it makes sense. Stay the course to hav...

While we are on the topic is surprises me that we don't have more members of this forum that are gamers, given that it seems like we are mostly male. Is it a generational thing? Used to do a bit -- Table Top RPGs (Basic and AD&D, Star Frontiers) and a bit of Wargaming (Panzer Leader, Dawn Patro...

This is someone else's take on the prior article: https://www.mymoneyblog.com/treasury-bonds-vs.-tips-vs.-lifetime-income-annuities-compared.html?lctg=9627344 Treasury Bonds vs. TIPS vs. Lifetime Income Annuities Compared JUNE 25, 2023 BY JONATHAN PING "My lightning recap: Moderate inflation (...

And a video on the new iBond rate and when to maybe “roll over” 0.00 fixed rate iBonds to buy into the new 0.90 fixed rate

https://youtu.be/7ooIgdycrfw

yankees60 wrote: ↑Fri May 26, 2023 8:29 am

Dieter wrote: ↑Fri May 26, 2023 12:52 am I own some of the Vanguard short-term TIPS fund, but, not increasing my allocation

Isn't that a totally different investment from actually holding the TIPS and holding them to maturity?

I wouldn’t say “totally”, but yeah, different

I own some of the Vanguard short-term TIPS fund, but, not increasing my allocation

flyingpylon wrote: ↑Fri May 19, 2023 8:39 am

dualstow wrote: ↑Fri May 19, 2023 6:58 am

Doesn’t shine when it should

— totally agree, Barrett.

Does gold have an obligation to shine when people want/expect it to?

It shines when it does. ¯\_(ツ)_/¯

Well, obviously, it SHOULD shine when _I_ expect it to

I mean, really

Wish I had a working crystal ball

Guess I should review my asset allocation actuals at some point

But not planning in making any changes

This blog is designed to record the investment journey of a UK based small investor. The All-Weather Portfolio for Uncertain Times https://diyinvestoruk.blogspot.com/2023/05/the-all-weather-portfolio-for-uncertain.html "Could this is the ultimate set-and-forget portfolio?" "Further r...

Kevin K. wrote: ↑Tue May 09, 2023 2:53 pm

Dieter wrote: ↑Tue May 09, 2023 2:05 pm Holy tracking error, Batman!

Well yeah but unlike the Larry Portfolio or even (dare one say it?) the PP you at least get some return to go with your tracking error.

True

Ditto on the “tracking error” bit — if trying to get them to learn, I’d probably start with TSM or some such so that it better tracks the news

Holy tracking error, Batman!

So, I logged into TreasuryDirect Sunday (5/7) — uses the new login: * Are sent a one-time passcode (OTP) every time (can’t register your computer) * No more using on-screen keyboard * Password now case sensitive, based on the capitalization used for first login I didn’t do any changes (I’m looking t...