Reply to Would you choose bond or "real 3%" investment if you were me?

Forum Index » Money and Finances

Reply to "Would you choose bond or "real 3%" investment if you were me?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous]PP and fellow WB colleague - appreciate fellow WB colleagues bumping/reviving this thread.

What a difference that last few months have made as compared to this time last year (when I first responded to the OP).  I jumped back into the S&P in March 2023 and was able to take advantage of the recent surge in the markets.  I'm currently allocated at a 50-50 split between the S&P and Real 3% option.  I'm 50+ years old, so I'm not trying to be as aggressive in my investment decisions as I was earlier in my career - there is way too much for me to potentially lose now vs. 20 years ago when we only had 1 infant child (now 2 are in college and the last will leave in a couple of years).

I would say to the OP (and any other fellow WBers) who are in their 30s and 40s, take advantage of the market returns in your youth.  Sure you can hedge with the 3% to play it a little safe (say up to 20-25% of your allocation), but I would suggest that you look at this from a long term perspective. Unless you have sizeable outside investments, the market returns you can capitalize on now will just grow your portfolio at a compounded rate that the 3% simply cannot offer.[/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics