BOXX

Anonymous wrote:

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.

I am probably 15 years from retirement and am also nearly 100 percent in stocks, plus a little less than $100k in bonds.

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.

OP here. Marcus is offering a 4.1% 14 month CD currently.

Anonymous wrote:

Anonymous wrote:

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.

No one should consider getting a 4.5% return "income" when the currency you're getting a return on is inflating at 8%. That's not income -- that's loss.

I think you mean “deflating”, not “inflating”.

The dollar index (DXY) is currently higher (98.7) versus where it was 5 or even 10 years ago. But, you can pick specific points in time and say it’s higher or lower, depending on what you trying to prove. None of that makes fixed income a “loss”, nor does it support the idea that all assets should be in stocks or crypto.

Anonymous wrote:

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.

No one should consider getting a 4.5% return "income" when the currency you're getting a return on is inflating at 8%. That's not income -- that's loss.

Anonymous wrote:I have an ability to go very low spend fast and stay there for long time. I actually enjoy it more than sitting on cash or cash equivalent.
I also have cash advance available to me for 4% that lasts for years and covers years of expenses.
Or I can sell stocks that have widely different cost basis. Tesla starting at $30 for example.
I'd use Voo as fixed income.Totally fit based on cost basis.
My SS will cover all expenses in retirement. There's also an 'annuity' that covers my biggest costs.
I have zero interest in CDs, t--bills, bonds, MMFs and will do anything to stay away.
Too many options for money including working part time. I'm in great health.

What do you mean you'd use VOO as fixed income? That makes no sense.

Nothing. 95% stocks (ETFs) 5% cash.

I have an ability to go very low spend fast and stay there for long time. I actually enjoy it more than sitting on cash or cash equivalent.
I also have cash advance available to me for 4% that lasts for years and covers years of expenses.
Or I can sell stocks that have widely different cost basis. Tesla starting at $30 for example.
I'd use Voo as fixed income.Totally fit based on cost basis.
My SS will cover all expenses in retirement. There's also an 'annuity' that covers my biggest costs.
I have zero interest in CDs, t--bills, bonds, MMFs and will do anything to stay away.
Too many options for money including working part time. I'm in great health.

I have a pension.