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If you wanted to come as close as possible to guaranteeing a 5% return for the next 7 yrs
Posted on 6/16/23 at 10:16 pm
Posted on 6/16/23 at 10:16 pm
... what, if anything, would you choose?
10
Posted on 6/16/23 at 10:18 pm to Zachary
40% bond / 60% dividend fund
Posted on 6/16/23 at 10:53 pm to Zachary
Funny enough, I'm seeing CD rates in the 4.5% range for that period so that's probably the best "guarantee" you'll get.
This post was edited on 6/16/23 at 10:54 pm
Posted on 6/17/23 at 6:40 am to Zachary
You can get a quality corporate bond portfolio that’s right in that range.
IBDV is a iBond ETF that matures in December 2030. Average yield to maturity of the fund is 5.18%. You’re welcome.
IBDV is a iBond ETF that matures in December 2030. Average yield to maturity of the fund is 5.18%. You’re welcome.
Posted on 6/17/23 at 10:02 am to Zachary
Nothing is guaranteed. For a long period of 7 years, I would go s&p500: VOO. Or entire stock market fund/etf. When has either not gained 5% over a 7 year period?
Posted on 6/17/23 at 10:23 am to Zachary
Posted on 6/17/23 at 11:57 am to KWL85
quote:
Nothing is guaranteed. For a long period of 7 years,
Annuities are guaranteed for 7 years or longer.
Posted on 6/17/23 at 12:03 pm to La Place Mike
Lol
Who do you work for again?
Who do you work for again?
Posted on 6/17/23 at 12:26 pm to meansonny
quote:
meansonny
Am I wrong?
Posted on 6/17/23 at 1:45 pm to La Place Mike
He says nothing is guaranteed.
You say annuities are.
Your "inclusion" of annuities would add dozens of other things that are guaranteed in a similar vein.
So yes. To claim annuities are guaranteed at the exclusion of other instruments with similar types of guarantees to annuities is incorrect.
In technical terms, annuity companies can fail and the institutions who guarantee the annuities can fail. Everyone is playing around with the term "guaranteeing".
Who do you represent?
You say annuities are.
Your "inclusion" of annuities would add dozens of other things that are guaranteed in a similar vein.
So yes. To claim annuities are guaranteed at the exclusion of other instruments with similar types of guarantees to annuities is incorrect.
In technical terms, annuity companies can fail and the institutions who guarantee the annuities can fail. Everyone is playing around with the term "guaranteeing".
Who do you represent?
Posted on 6/17/23 at 1:57 pm to meansonny
quote:
Your "inclusion" of annuities would add dozens of other things that are guaranteed in a similar vein.
Nothing is stopping you from adding them so go ahead.
quote:
So yes. To claim annuities are guaranteed at the exclusion of other instruments with similar types of guarantees to annuities is incorrect.
Wtf. Are Annuities guaranteed or not? You do realize an Annuity is a contract?
quote:
In technical terms, annuity companies can fail and the institutions who guarantee the annuities can fail. Everyone is playing around with the term "guaranteeing".
Everything can fail.
quote:
Who do you represent?
My self. Who do you represent?
You just cant admit I am not wrong.
This post was edited on 6/17/23 at 2:02 pm
Posted on 6/17/23 at 2:04 pm to La Place Mike
Link your guaranteed 5% annuity offer for 7 years and longer.
I will link comparable "guarantees" if there are any.
I will link comparable "guarantees" if there are any.
Posted on 6/17/23 at 2:14 pm to meansonny
quote:You guys are talking past each other. He didn't say they guarantee 5% in this market. He said they, by definition, are guaranteed. That's true, as far as it goes.
Link your guaranteed 5% annuity offer for 7 years and longer.
I will link comparable "guarantees" if there are any.
You are making the counterpoint that contracts can fail. That's true too.
Posted on 6/17/23 at 2:18 pm to meansonny
quote:
Link your guaranteed 5% annuity offer for 7 years and longer.
All I said was Annuities can be guaranteed for 7 years or longer. Am I right or wrong?
Posted on 6/17/23 at 2:20 pm to Big Scrub TX
quote:
You guys are talking past each other.
No we aren't. Means just cant admit that Annuities are guaranteed for some reason. It's very weird.
Posted on 6/17/23 at 2:27 pm to Big Scrub TX
quote:
You guys are talking past each other. He didn't say they guarantee 5% in this market. He said they, by definition, are guaranteed. That's true, as far as it goes.
Fair enough. Are CDs guaranteed?
This post was edited on 6/17/23 at 2:28 pm
Posted on 6/17/23 at 2:28 pm to La Place Mike
quote:
All I said was Annuities can be guaranteed for 7 years or longer. Am I right or wrong?
At 5%?
Or just in general?
Posted on 6/17/23 at 5:54 pm to meansonny
quote:It depends. Non-brokered CDs under the FDIC insurance limit are guaranteed. Those outside of those parameters technically are not. However, after what we just saw happen with SVB et al, it would appear highly unlikely the feds would allow retail CDs to be blanked out.
Are CDs guaranteed?
Posted on 6/17/23 at 5:56 pm to Zachary
quote:
If you wanted to come as close as possible to guaranteeing a 5% return for the next 7 yrs
…what, if anything, would you choose?
If 5% was my stated goal, I’d probably look at some of the S&P A rated corporate debt issues. Looking at 10 year issues, you could get anything from an Intel 5.2% callable that’s currently yielding 5% to a Reinsurance Group 6% callable that’s yielding 5.935%. I also noticed a Meta Platforms 4.95% callable that’s yielding 4.889%
Of course there are a variety of other options (especially if you consider total return versus just rate or yield).
This post was edited on 6/17/23 at 5:58 pm
Posted on 6/17/23 at 5:58 pm to Zachary
Agency bonds, available on Vanguard, have five year terms for +5%.
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