Half the market thinks LTT's are overpriced and the other half thinks they are underpriced. So the question is it time for a rebalance (percentage bands, calendar, or whatever else you use as a trigger)? If so, then buy. If not, then wait for the predetermined trigger in your personal investment po...

dualstow wrote: ↑

Thu Jun 01, 2023 1:08 pm

Smith1776 wrote: ↑

Thu Jun 01, 2023 12:42 pm

Every time I see this thread title I think it’s a Seinfeld reference.

One of the finest episodes.

Now, THAT could really spice up this forum. A king of the castle competition.

https://www.youtube.com/watch?v=61zJHstzOoY

1:53 of the best comedy writing and acting.

personally i wouldn’t take up valuable tax deferred space with bonds unless i thought i was going see capital gains from selling that may be high.. flipping or rebalancing tlt would warrant it . at 3-4% interest ,not worth it to me taking up space Fair enough, but I think much depends on what one w...

Hey jhogue, Appreciate your take. Here is a good David Enna article (alas, from November of 2022 when the I-Bond fixed rate was only 0.4%) that has two lists. One of them gives the advantages of I-bonds over TIPS and the other the advantages of TIPS over I-Bonds. https://tipswatch.com/2022/11/20/i-b...

Thanks for posting that conversation, Hal. Very interesting as it deals with reality and not drama. And, to channel my inner Vinny, I may watch it again at some point.

my personal feeling is that if one wants TIPS and is a PP user i would not make them part of the PP bond holdings as they would suck in a recession or depression in comparison .. but nothing wrong holding them in the VP just like holding commodities on the side and not diluting the gold budget. Agr...

tyler looked in to them too https://portfoliocharts.com/2022/09/27/all-about-tips-real-returns-and-inflated-expectations/ And, as usual, it's an excellent article looking at all of the pros and cons of the asset class. Remember that I am not going all in on TIPS, but I do think it's smart to hold s...

And yet about half of the time TIPS held to maturity are going to beat nominal treasuries of the same maturity, right? Not sure how the government manipulating inflation figures changes that. As kbg pointed out a while back, we don't seem to talk as much about government manipulation of inflation da...

Hi Barrett, It's possible that this is something different than what you are referencing, but I recently discovered and have been using the planner calculator at this site: https://i-orp.com/Plans/extended.html I have found it to be very helpful. That's great that you've found it still works, snedg...

Back when I used the i-ORP extended planner calculator to run simulations (the earth's surface was mostly just molten lava then), I would assume a real rate of return of 2%. So I used a nominal return of 4% and an inflation rate of 2%. Alas, that calculator doesn't seem to be working anymore. I read...

I know TIPS are not really part of the PP but I have been buying some in my tax-deferred account as a sort of liability matching/planned withdrawal strategy between now and when I start taking SS at age 70 in 2028. I am curious if anyone else here has been buying them with the real yields currently ...

I think I’ll wait until after the debt crisis is over. Yeah, it's such a weird asset. Doesn't shine when it should. These congressional shenanigans should be pushing gold higher. But, then again, I think we all know that it's a manufactured "crisis". Whenever gold dips below $2,000 that standard ca...

Seriously, Vinny. Please lay off posting for a few hours at least. Not sure what you are trying to do by starting a million new threads and posting in every other one. Enough is enough.

Hey glennds, I appreciate the lengthy post but haven't had time to follow up. One thing you've accomplished is to get this idea into my head that inflatable characters can be seen as a sort of metaphor for inflation. Yesterday I saw one and all I could think of was inflation/deflation and how the wh...

The article is fine as far as it goes but this last paragraph was kind of just thrown in as an aside: "We didn’t cover the nuances involved with spousal benefits, dependent benefits, or survivor benefits. These auxiliary benefits could impact your filing decision in either direction, and coordinatio...

Think about how many Goldman Sachs alumni have populated the Fed and Treasury Department over recent years. Ask yourself whether Goldman and the community of mega hedge funds have any particular influence, and whether it is a coincidence that easy money policy has been super lucrative for them. Tha...

The Fed's dual mandate is to control inflation and strive for something close to full employment. That's the official story, yes. Just like the official mandate of the Supreme Court is to ensure the American people the promise of equal justice under law. Hey glennds, Would you mind expanding on thi...

I guess "experts" have to have opinions but I'm not sure this one amounts to much. The Fed's dual mandate is to control inflation and strive for something close to full employment. In many cases, like 2008 & 2020, that involves cutting interest rates quickly. So that will usually benefit stocks, rea...

Having said that, there is an interesting asset class that seems to act almost like "risk-be-gone powder" that can be sprinkled on pretty much any portfolio and watch the maxDD and volatility go down without anything near the commensurate decrease in returns....unfortunately I at the moment only ha...

Thanks for posting this Dieter. Reminded me to login to check out the new & enhanced site. Is it just me or has the site overall gotten even worse recently? There used to be a section that listed the fixed rates of I-Bonds all the way back to inception. It looks like one can only go back to 2018 now...

In the comments section of here: https://tipswatch.com/2022/07/04/looking-to-put-cash-to-work-consider-short-term-treasury-bills/ Read this: " I’d like to put $20K somewhere with a decent return before I spend it on purchasing I-Bonds in January (10K for my individual account and 10K for sole propr...

In the comments section of here: https://tipswatch.com/2022/07/04/looking-to-put-cash-to-work-consider-short-term-treasury-bills/ Read this: " I’d like to put $20K somewhere with a decent return before I spend it on purchasing I-Bonds in January (10K for my individual account and 10K for sole propr...

Does anybody know of a calculator to assist with selling I-Bonds? On the TD page it shows me the date each was issued, and the interest rate it's currently earning. It isn't clear how that interacts with the 3-month interest rate penalty, nor does it tell me what the composite vs fixed rate is for ...

Barret, Hal posted the following link in a different thread, that has some timeframes, compared to existing rate of 0.4% https://tipswatch.com/2023/04/14/i-bond-dilemma-buy-in-april-buy-in-may-or-dont-buy-at-all/ So, less than three years for mine that have less than 0.4% fixed rate Ah, good, so yo...

I’m not planning to buy new, but I may “swap” (sell and buy new) older iBonds, as most of mine have a 0% fixed rate (one has 0.2% I think) Not that I have much, but, as I have space, I might as well get that extra 0.9% (even with any tax implications of selling existing iBonds, I _think_ worth it) ...