Re: BSV for cash portion
Posted: Wed Jul 29, 2020 11:31 am
Except that fund has corporates, as 80.3% of the fund is Total Bond Market (US+International). Also since it's 20% stocks, how would this be suitable as a substitute for cash?Kevin K. wrote: ↑Wed Jul 29, 2020 11:26 amI'm sticking with T Bills yielding nothing and a chunk of NCUA-insured CD's yielding ~1% but crazy as it may sound I'd choose this ultra-conservative Vanguard fund-of-funds over BSV or anything else containing corporates if I were desperate for yield:
https://investor.vanguard.com/mutual-fu ... olio/vasix
This is an obscure fund but if you look at the components and performance (including during market crises) it's a pretty resilient way to generate (just barely, admittedly) a real return above inflation for the least possible risk in a plain vanilla portfolio.