Can I-Bonds be bought for a ira/sep and if you can how do you do it?
I bonds generally yield less than TIPS, because of their tax advantage for taxable accounts. TIPS most often offer a better yield for IRA type accounts.
Thanks Petey. What global real estate and timber mutual funds do you recommend? Are global REITS and timber reasonably priced now? US REITS seem a bit pricey to me, but I don't know about global REITS or timber.
. Coming up with such a combination is far from trivial. Indeed. The equations are even more complex for taxable accounts. Taxes affect TIPS' return if they are not in an IRA. I bonds have low annual contribution limits, and lower yield than TIPS. Rebalancing with I bonds can be a protracted affair...
I am highly suspicious of any approach that promotes an 8% withdrawal rate. Me too. Take a reasonable percentage. If your portfolio outperforms, you will be taking a reasonable percentage of a larger portfolio, effectively giving you a raise. That way if you don't outperform, you will still have a ...
Another way of looking at this is that today's Safe Withdrawal Rate using the traditional approach is 2.4%. Instead, we can start out at 2.9% without giving up safety as long as we are willing to make adjustments later. Thin gruel either way. There does not seem to be any way to win today by using ...
For instance, I am still waiting for the shoe to drop at the Index Forum, but so far, I haven't been ostracized for have most of my assets at Fido If they haven't thrown out a momentum investor like myself, you are probably safe with your much milder divergence from the group norm. :)
Heh, heh - my first question is: if I stay at or near the div/interest stream should volitility be discounted. If you could have lived strictly off of the dividends from your equities, there was no historical advantage to holding any bonds permanently. Switching out of equities during high P/E year...
Rebalancing is inferior most of the time because the rebalancing bonus is not sufficient to overcome the performance drag caused by holding Treasury Bills. Since asset classes such as commodities, and SCV have rates of return equal to or better than the S&P, rebalancing with them would seem to ...
Right now, today, rebalancing is a good idea. These are stressful times. Rebalancing is a limited form of switching/market timing. It is not surprising that it works best at higher valuations, since that is when switching away from stocks statistically adds value. (Stocks go up most of the time, so...