Posts Tagged ‘Bonds’
The more money one has in salary, the more one can save and invest. The really big point that is not discussed sufficiently is that the long one has invested and saved the more one will have at the time of need provided of course one has not lost it all in the current bear market. Unfortunately, many have. If not all most.
It is a common saying among financial advisors that one should have about 6 months worth of living expenses in a savings account. That would be foolish for someone having a massive debt load carrying 13%++ interest. But to not have any available funds is even more foolish. One should for sure have at least $1000 in ready cash available. Who knows when an emergency might rear its ugly head? For someone starting out and making less than $20,000 a year, maybe 10% if possible. It might not be. For someone making $50,000 a year about 15%. People in that category normally have expenses associated with children that take precedence. People making $75,000 + are foolish if they are not saving 20%.
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Gold mutual funds are made up of either units of gold bullion or through representation from a gold processing company. Look at gold prices on the market before investing in gold mutual funds with …
What is their money percentage? Which one would you prefer? Would you prefer a stock? Thank you for answering.
So, i’m new to investing.. I know the definitions of them; but i was just wondering what is the benefits or advantages or so for investing in each of these?
Like the earnings or so? If you have any advice on them; please let do tell me. Thanks.
Where does this increase in wealth come from specifically? Thank you
Definitely not munis. Not in an IRA. This is a very very tough call to make. You are 5 years from retirement. Bonds are paying a negative 3% for AAA rated. Why people are buying them I expect is because stocks are returning a negative 10%. Inflation is going to be bad the next 5 years, I think. It is bad now despite the government stats saying it isn’t. Convetional wisdom is that as you approach retirement you should re-allocate your investment more towards income producing investments to approach a 50-50 mix of bonds and equities. This might be an exception to that rule since the Fed is giving money away for free.
If you are heavily into growth funds, you might certainly think about moving towards income producing equity funds. They certainly stand to hold up better in a down market and you do need to be thinking about protecting your assets from both a down market and from inflation. The only bonds that might work are TIPs. There is an ETF call TIP. But only a small holding is all that should be considered, maybe 10% to 15%. Among the safest equity funds would be ones that hold the so called blue chip stocks. One that comes to mind is the index fund OEF which holds the top100 stocks of the S&P 500. Pays 2.5% dividend. Another is IOO which holds the top 100 global stocks. This actually hold many of the same stocks as OEF. Pays 1.0% dividend.
Gold mutual funds are made up of either units of gold bullion or through representation from a gold processing company. Look at gold prices on the market before investing in gold mutual funds with …
http://www.ArizonaAnnuityRa… Learn how an Equity Indexed Annuity is a better choice over stocks, bonds, and mutual funds.
Gold mutual funds are made up of either units of gold bullion or through representation from a gold processing company. Look at gold prices on the market before investing in gold mutual funds with …
