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Replace Bond Funds??
Are there higher funds to get a greater return on this 1/2 of my portfolio, or am I lacking one thing? I’m 73 years previous and wish to see this half of my portfolio do higher in NAV and dividend or coupons or distributions or curiosity, no matter you wish to name it. In different phrases make higher cash. At age 73 I do not wish to undergo one other prolonged time period with this type of expertise. Any concepts can be appreciated. Thanks.
Re: Replace Bond Funds??
PGHunt24 wrote: ↑Sat Sep 14, 2024 3:30 pm
Now that NAV’s are beginning to heal and distributions are beginning to settle down with Bond Funds, I used to be in search of recommendation on whether or not I ought to exchange my Bond Funds with one thing much less delicate to rates of interest with a greater return (if that exists). 1/2 of my portfolio is in 3 funds, BNDX, VFIDX and VFSUX. That is all certified cash totaling $500 Ok. I’ve owned these funds for nearly 9 years and are virtually at breakeve from what I paid for them. Over this time interval, the distributions have been comparatively low, apart from latest instances. Since inception, these funds have yielded 2.35, 4.66 and three.07 % respectively.Are there higher funds to get a greater return on this 1/2 of my portfolio, or am I lacking one thing? I’m 73 years previous and wish to see this half of my portfolio do higher in NAV and dividend or coupons or distributions or curiosity, no matter you wish to name it. In different phrases make higher cash. At age 73 I do not wish to undergo one other prolonged time period with this type of expertise. Any concepts can be appreciated. Thanks.
Rates of interest had been at 2.25% or beneath for 14 years (2008-2022.)
Bonds cannot do a lot better than that.
You may’t chase yield if you wish to stay secure.
Re: Replace Bond Funds??
One different can be to place 1/3 of your present bond allocation in a TIPS ladder, 1/3 in a SPIA and 1/3 in a complete U.S. bond fund.
Re: Replace Bond Funds??
A) Are you a bond supervisor by occupation? If not, why do you assume you are able to do higher?
B) In case you imagine somebody can actively handle their bonds and get a greater return, why keep at passive indexing?
C) 30% of my portfolio is within the Wellington Fund. It’s actively managed by Wellington Fund administration with 0.17% expense ratio.
D) 50% of my portfolio is within the 3 funds portfolio.
It is rather easy.
Do you or do you not imagine in passive indexing?
KlangFool
30% VWENX | 16% VFWAX/VTIAX | 14.5% VTSAX | 19.5% VBTLX | 10% VSIAX/VTMSX/VSMAX | 10% VSIGX| 30% Wellington 50% 3-funds 20% Mini-Larry
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Re: Replace Bond Funds??
PGHunt24 wrote: ↑Sat Sep 14, 2024 3:30 pm
Now that NAV’s are beginning to heal and distributions are beginning to settle down with Bond Funds, I used to be in search of recommendation on whether or not I ought to exchange my Bond Funds with one thing much less delicate to rates of interest with a greater return (if that exists). 1/2 of my portfolio is in 3 funds, BNDX, VFIDX and VFSUX. That is all certified cash totaling $500 Ok. I’ve owned these funds for nearly 9 years and are virtually at breakeve from what I paid for them. Over this time interval, the distributions have been comparatively low, apart from latest instances. Since inception, these funds have yielded 2.35, 4.66 and three.07 % respectively.Are there higher funds to get a greater return on this 1/2 of my portfolio, or am I lacking one thing? I’m 73 years previous and wish to see this half of my portfolio do higher in NAV and dividend or coupons or distributions or curiosity, no matter you wish to name it. In different phrases make higher cash. At age 73 I do not wish to undergo one other prolonged time period with this type of expertise. Any concepts can be appreciated. Thanks.
to op:
1
would you have got the “threat tolerance” and “sleep issue” to alter your allocation from 50/50 to 70/30??
2
Nevertheless, understand that your portfolio can have extra “motion” with the elevated volatility of a 70/30 allocation, whereas growing returns on the fairness facet.
3
You may concurrently allocate a portion of your portfolio and “anchor it” with this:
Constancy Mounted Fee chart. Present.
https://fixedincome.fidelity.com/ftgw/f … hest-yield
and/or CD Ladders (new subject), Treasury Ladders (new subject, not funds).
j 
Bogleheads Wiki: Every little thing You Must Know
Re: Replace Bond Funds??
PGHunt24 wrote: ↑Sat Sep 14, 2024 3:30 pm
Now that NAV’s are beginning to heal and distributions are beginning to settle down with Bond Funds, I used to be in search of recommendation on whether or not I ought to exchange my Bond Funds with one thing much less delicate to rates of interest with a greater return (if that exists). 1/2 of my portfolio is in 3 funds, BNDX, VFIDX and VFSUX. That is all certified cash totaling $500 Ok. I’ve owned these funds for nearly 9 years and are virtually at breakeve from what I paid for them. Over this time interval, the distributions have been comparatively low, apart from latest instances. Since inception, these funds have yielded 2.35, 4.66 and three.07 % respectively.Are there higher funds to get a greater return on this 1/2 of my portfolio, or am I lacking one thing? I’m 73 years previous and wish to see this half of my portfolio do higher in NAV and dividend or coupons or distributions or curiosity, no matter you wish to name it. In different phrases make higher cash. At age 73 I do not wish to undergo one other prolonged time period with this type of expertise. Any concepts can be appreciated. Thanks.
A bond fund paying 4% is fairly superior, should you ask me. How a couple of TIPS ladder?
Crom laughs at your 4 Winds
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Re: Replace Bond Funds??
I’m retired as effectively, however a bit youthful. I maintain a number of bond funds myself and don’t care what the NAV is doing as I exploit them for revenue and can maintain them without end. Some posters have talked about different options however as charges decline so with their yields. I’d give it a while.
However, in case you are involved about rising the general portfolio, then that might be a distinct plan of action by altering your asset allocation.
Re: Replace Bond Funds??
KlangFool wrote: ↑Sat Sep 14, 2024 3:35 pm
OP,A) Are you a bond supervisor by occupation? If not, why do you assume you are able to do higher?
B) In case you imagine somebody can actively handle their bonds and get a greater return, why keep at passive indexing?
C) 30% of my portfolio is within the Wellington Fund. It’s actively managed by Wellington Fund administration with 0.17% expense ratio.
D) 50% of my portfolio is within the 3 funds portfolio.
It is rather easy.
Do you or do you not imagine in passive indexing?
KlangFool
I want Wellington had a separate bond fund.
I’ve used Dodge and Cox
Re: Replace Bond Funds??
quattro73 wrote: ↑Sat Sep 14, 2024 6:00 pmKlangFool wrote: ↑Sat Sep 14, 2024 3:35 pm
OP,A) Are you a bond supervisor by occupation? If not, why do you assume you are able to do higher?
B) In case you imagine somebody can actively handle their bonds and get a greater return, why keep at passive indexing?
C) 30% of my portfolio is within the Wellington Fund. It’s actively managed by Wellington Fund administration with 0.17% expense ratio.
D) 50% of my portfolio is within the 3 funds portfolio.
It is rather easy.
Do you or do you not imagine in passive indexing?
KlangFool
I want Wellington had a separate bond fund.
I’ve used Dodge and Cox
Wellesley fund is shut sufficient.
KlangFool
30% VWENX | 16% VFWAX/VTIAX | 14.5% VTSAX | 19.5% VBTLX | 10% VSIAX/VTMSX/VSMAX | 10% VSIGX| 30% Wellington 50% 3-funds 20% Mini-Larry
