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  1. #7601
    Join Date
    Jan 2010
    Location
    2 hours from anything
    Posts
    10,735
    Quote Originally Posted by 4matic View Post
    2y notes still offer decent yield


    Sent from my iPhone using TGR Forums
    My parents said they just received an offer of %4 on a savings account, $50k maximum from their local credit union. Seems too good to be true, I’ll check it out more but how can they be offering that much over treasury?

  2. #7602
    Join Date
    Dec 2016
    Posts
    2,573

    Is the stock market going to tank?

    Quote Originally Posted by neufox47 View Post
    My parents said they just received an offer of %4 on a savings account, $50k maximum from their local credit union. Seems too good to be true, I’ll check it out more but how can they be offering that much over treasury?
    Money market acct? I’m getting 3.14 at Merrill which thought was pretty good. Acts like checking acct.
    Last edited by CascadeLuke; 06-21-2019 at 11:29 AM.

  3. #7603
    Join Date
    Apr 2006
    Location
    Movin' On
    Posts
    3,716
    Quote Originally Posted by neufox47 View Post
    My parents said they just received an offer of %4 on a savings account, $50k maximum from their local credit union. Seems too good to be true, I’ll check it out more but how can they be offering that much over treasury?
    What credit union? I've heard of rewards checking accounts offering high yields, but you have to make X number of debit card purchases per month and have direct deposit.

  4. #7604
    Join Date
    Feb 2005
    Posts
    19,221
    A Colorado judgement lien on real estate will net 8% a year. Granted you need to foreclose, or wait for a sale, but that's easy and can't be beat. I'm just waiting for all the evil cunts who haven't paid me to cry when they or their family goes to sell, or I decide to get feisty.

  5. #7605
    Join Date
    Dec 2002
    Location
    cow hampshire
    Posts
    8,304
    Quote Originally Posted by neufox47 View Post
    My parents said they just received an offer of %4 on a savings account, $50k maximum from their local credit union. Seems too good to be true, I’ll check it out more but how can they be offering that much over treasury?
    Sounds like a brokerage deal, no?

    I dumped some cash into Wealthfronts savings plan. It just bumped up to 2.51. I'm holding it there to pay college stuff.

  6. #7606
    Join Date
    Mar 2006
    Posts
    19,814
    France 10Y turned negative yield today. US back below 2%.

  7. #7607
    Join Date
    Mar 2006
    Posts
    19,814
    Jeff Bezos has made $17.4 million dollars a day, everyday, for the last 25 years.

  8. #7608
    Join Date
    Mar 2005
    Location
    SE USA
    Posts
    3,421
    So what is "the" gauge for Mutual Funds these days? is it still morningstar ratings? are there other metrics for finding good funds?
    "Can't you see..."

  9. #7609
    Join Date
    Mar 2006
    Posts
    19,814

    Is the stock market going to tank?

    WSJ:

    "In America, older workers have been responsible for just about all of the net employment expansion over the last recovery. From 2007 to 2018, the number of prime-age employees has grown by a mere 300,000--that is, by +0.3%."

    Geezers rejoining the work force

  10. #7610
    Join Date
    Dec 2010
    Location
    Last Best City in the Last Best Place
    Posts
    7,276
    Quote Originally Posted by 4matic View Post
    WSJ:

    "In America, older workers have been responsible for just about all of the net employment expansion over the last recovery. From 2007 to 2018, the number of prime-age employees has grown by a mere 300,000--that is, by +0.3%."

    Geezers rejoining the work force
    Or maybe people 54-60 who got pink slipped.

  11. #7611
    Join Date
    Apr 2006
    Location
    Movin' On
    Posts
    3,716
    Quote Originally Posted by Marshall Tucker View Post
    So what is "the" gauge for Mutual Funds these days? is it still morningstar ratings? are there other metrics for finding good funds?
    Haven't you heard? No one is buying mutual funds anymore. It's been proven countless times that it is impossible to beat the market consistently, so index funds and low cost ETFs have taken over. VTSAX is a great option if you are looking for exposure to US equities. VBTLX for US bond market and VTWSX for international equities.

  12. #7612
    Join Date
    Aug 2004
    Location
    New Haven Line heading north
    Posts
    2,944
    WeWork Co-Founder Has Cashed Out at Least $700 Million Via Sales, Loans - WSJ

    God bless. Should’ve pulled twice that amount out.
    Charlie, here comes the deuce. And when you speak of me, speak well.

  13. #7613
    Join Date
    Oct 2017
    Posts
    202
    groupon 2.0

  14. #7614
    Join Date
    Dec 2008
    Location
    100'F and Muggy
    Posts
    604
    PNTV coming back from the dead.. ran from just under .02 a month ago up to close at .0574 today. 52 week high is .083. All with a stop sign and no big official news. But they finally outsourced grow ops to some dudes who actually know what they are doing, and are posting IG pics of the early build stages in Argentina.

  15. #7615
    Join Date
    Dec 2006
    Location
    crown of the continent
    Posts
    13,947
    Quote Originally Posted by 4matic View Post
    France 10Y turned negative yield today. US back below 2%.
    How does that even work? You invest $110 to get $100 back? That can't be a good sign.
    Something about the wrinkle in your forehead tells me there's a fit about to get thrown
    And I never hear a single word you say when you tell me not to have my fun
    It's the same old shit that I ain't gonna take off anyone.
    and I never had a shortage of people tryin' to warn me about the dangers I pose to myself.

    Patterson Hood of the DBT's

  16. #7616
    Join Date
    May 2002
    Posts
    33,440
    Quote Originally Posted by tripice351 View Post
    PNTV coming back from the dead.. ran from just under .02 a month ago up to close at .0574 today. 52 week high is .083. All with a stop sign and no big official news. But they finally outsourced grow ops to some dudes who actually know what they are doing, and are posting IG pics of the early build stages in Argentina.
    God, was I glad I got out at .22. My gf didn't sell and is sitting on a shitload, determined it would go back up. This will make her happy. I'm still trying to wrap my head around the Argentina grow move. If they can ship it out, then yes, it's a good move with exchange rate @ 1:26 or so.

  17. #7617
    Join Date
    Dec 2002
    Location
    cow hampshire
    Posts
    8,304
    I just caught this headline. Beyond meat is beyond reality.

    https://www.cnbc.com/2019/07/26/beyo...-investor.html

  18. #7618
    Join Date
    Dec 2011
    Location
    PNW
    Posts
    7,368
    I read in the, Is This Place Losing Its Experts?, thread that there were bond fund experts, I have many questions

  19. #7619
    Join Date
    Mar 2006
    Posts
    19,814

    Is the stock market going to tank?

    I know a little bit bout’ bonds and funds. I own several and have traded many others.

  20. #7620
    Join Date
    Dec 2011
    Location
    PNW
    Posts
    7,368
    I have a SEP mutual fund, with the market being on an (unsustainable) upswing I wanted to take some of the mutual funds and buy Bond funds for a more secure and stable investment. When I started researching the funds, within The Capitol Group, American Funds, I see there's even a fair amount of risk in Bond funds. I thought bonds were super stable, dopes the fact it's in a fund and not a stand alone bond change the volatility? Is it a good investment to move a SEP to Bond fund?

  21. #7621
    Join Date
    Nov 2005
    Posts
    8,319
    The experts know more, but in a nutshell: you're thinking of bonds, not bond funds. Funds go up and down with the market value of their bonds, whereas if you buy a bond and think only about the promised payout (on the day you bought it) you can hold it to maturity for the expected stability.

    Per Bromo: treasuries and chill.

  22. #7622
    Join Date
    Oct 2003
    Location
    Looking down
    Posts
    50,491
    Quote Originally Posted by Stu Gotz View Post
    WeWork Co-Founder Has Cashed Out at Least $700 Million Via Sales, Loans - WSJ

    God bless. Should’ve pulled twice that amount out.
    Out of thin air. Alchemists.

  23. #7623
    Join Date
    Mar 2006
    Posts
    19,814
    Quote Originally Posted by k2skier112 View Post
    I have a SEP mutual fund, with the market being on an (unsustainable) upswing I wanted to take some of the mutual funds and buy Bond funds for a more secure and stable investment. When I started researching the funds, within The Capitol Group, American Funds, I see there's even a fair amount of risk in Bond funds. I thought bonds were super stable, dopes the fact it's in a fund and not a stand alone bond change the volatility? Is it a good investment to move a SEP to Bond fund?
    Bond funds generally have a stable duration which is basically the average maturity of the bond. For example BND has an average duration of 6 years and an average maturity of 8 years. The managers will continue to buy bonds as others mature and roll off so the maturity and duration will largely always be the same meaning your fund never matures. Because of that the value of the fund will fluctuate daily roughly the amount of the average duration bond in the portfolio:


    BND:

    Characteristics
    as of 06/30/2019


    Number of bonds
    8566

    Average effective maturity
    8.2 years

    Average duration
    6.0 years


    Yield to maturity
    2.5%

    The advantage to a bond fund is liquidity, active management, and constant duration with an element of laddering. The problem is you will always have principle risk as you own the fund because if never matures. Bond funds generally fluctuate less than individual bonds on a daily basis because of the blended maturity. The also pay dividends monthly.

    Advantage to Individual bonds is they are less risky for principal in that if you hold them to term you get all your money back. The disadvantage to individual bonds is liquidity, expense (sometimes), and your duration expires so you have to find a substitute when the bonds expire.

    So bond funds have an element of equity risk in their fluctuating principal.

    Also, you can get bond funds that use leverage. They are quite common. When you use leverage you obviously increase yield but also increase principal risk and volatility.

  24. #7624
    Join Date
    Oct 2003
    Location
    Looking down
    Posts
    50,491

  25. #7625
    Join Date
    Aug 2004
    Location
    New Haven Line heading north
    Posts
    2,944
    Tomorrow we see how the markets react when the Uber decade ends.
    Charlie, here comes the deuce. And when you speak of me, speak well.

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