Anonymous wrote:

Anonymous wrote:I had been doing 6 month t-bills. Now CDs at 4.1% for 14 months seem to be the best. Starting to think about Ibonds again or TIPs.

What bank is offering 4.1% for 14 mo ? I want some of that.

Might be a come on for new deposits only. But you can get similar via Vanguard. I take my money out of WF and put it in V and buy their CD, lol.

Anonymous wrote:I had been doing 6 month t-bills. Now CDs at 4.1% for 14 months seem to be the best. Starting to think about Ibonds again or TIPs.

What bank is offering 4.1% for 14 mo ? I want some of that.

Anonymous wrote:I've always been 100% in stocks, and it has served me well.

Well that’s stupid once you hit a certain age. I did the same thing before my late 50s, but after that you’re asking for trouble.

Anonymous wrote:

Anonymous wrote:MMF mostly. I agree that the value of the dollar is going to continue to decline. I can’t think of anywhere else to put the money though - bonds suck as an investment.

Bitcoin, gold, and real estate. I wouldn't touch bonds or MMF or CDs -- the U.S. dollar is a melting ice cube at this point and the interest on those assets doesn't even keep up with inflation. We are going to see a major devaluation of the U.S. dollar over the coming decade(s).

No one considers those fixed income assets.

I ladder Treasuries I can hold to maturity (retired). I also buy bank CDs via Vanguard. Wells Fargo wants to give me 0.2% and offers 3.5 in a commercial CD.
2 year Treasuries are down to 3.5 now.

Anonymous wrote:MMF mostly. I agree that the value of the dollar is going to continue to decline. I can’t think of anywhere else to put the money though - bonds suck as an investment.

Bitcoin, gold, and real estate. I wouldn't touch bonds or MMF or CDs -- the U.S. dollar is a melting ice cube at this point and the interest on those assets doesn't even keep up with inflation. We are going to see a major devaluation of the U.S. dollar over the coming decade(s).

MMF mostly. I agree that the value of the dollar is going to continue to decline. I can’t think of anywhere else to put the money though - bonds suck as an investment.

BWZ. I think the US$ is going to continue to lose value over the next couple of years. 4 percent doesn’t look that good when the $ is down 15 percent…

I like ibonds. If I didn’t have the G find I’d use TIPS too.

Anonymous wrote:I've always been 100% in stocks, and it has served me well.

That works when you don’t have an immediate need to use the funds. However, it’s a really bad strategy when you’ll need to use the funds soon, say 5 years or so.

But to answer the question, I use vanguard federal money market fund in my retirement accounts. And use a credit union HYSA for a smaller emergency fund.

Widely diversified high-quality bond ETFs, both int'l and domestic focused. Some tax-exempt, some TIPs, but mostly corporate for the yield but only higher quality.

we have about 8-9% of portfolio in cash - mostly in HYSA (440k w/ Vanguard), and Ibond/Tbil (200k).

I've always been 100% in stocks, and it has served me well.

For us, that portion is a combination of: HYSA, MMF, and Bond ETFs. We’d also consider TBill and CD ladders in future.

I had been doing 6 month t-bills. Now CDs at 4.1% for 14 months seem to be the best. Starting to think about Ibonds again or TIPs.