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Bonds
Posted on 7/3/13 at 8:42 am
Posted on 7/3/13 at 8:42 am
What percentage is a decent allocation? Do you believe you should have your age? Have the rules changed with the low returns?
I really don't understand bonds like I do stocks. I'm at 0 percent in bonds in my early 30s. Mistake?
I really don't understand bonds like I do stocks. I'm at 0 percent in bonds in my early 30s. Mistake?
3
Posted on 7/3/13 at 8:42 am to ulsaint
quote:
What percentage is a decent allocation?
For me personally, 0%.
Posted on 7/3/13 at 8:53 am to ulsaint
quote:
I'm at 0 percent in bonds in my early 30s. Mistake?
You can replace a lot of what bonds do for you with annuities, insurance policies, dividend stocks, etc.
Bonds, by and large, can't win, and barely beat inflation. If you want to hedge a little bit, maybe 10 to 15% in bonds. I know people who make money in bonds, but you almost have to be all in to do so. There is much of the risk of the stock market in bonds, with little of the potential gains. I used to have a decent allocation in my 401k and my TSP accounts. I'm 45 and I'm at 0% bonds right now.
Posted on 7/3/13 at 9:00 am to ulsaint
Some of my mutual funds have a small allocation of bonds in their portfolio, like 10-15% maybe, other than that I own zero bonds. If you own any growth and income funds, chances are you have all the bond exposure you need.
Posted on 7/3/13 at 5:12 pm to Vols&Shaft83
Bonds should be bought for income, not price
appreciation.
appreciation.
Posted on 7/3/13 at 6:22 pm to oldtimefootball
I would never buy bonds, the growth opportunity does not exist.The only time I would ever use bonds is if I was like 70 and had $20M and wanted a no risk play. I'd go all in on Muni's and live out my days. I have a friend of mine who does that but he's in his 50's and I don't even think he's taking into account another 30+ years of life with that plan. He very well could lose tons to inflation but he seems happy.
This post was edited on 7/3/13 at 6:24 pm
Posted on 7/3/13 at 11:47 pm to ThaBigFella
I just dumped all my bonds (except Vanguard short-term) since the average loss YTD was 5.5%
I don't see any recovery until the rates (which haven't gone up yet ! start to go down).
I don't see any recovery until the rates (which haven't gone up yet ! start to go down).
Posted on 7/4/13 at 11:47 pm to matthew25
Read a report that more than $60 billion came out of bond funds in June. Errrybody's jumping ship.
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